Name: Auto Loan
Rating: 5 (1 reviews)

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Shinhan Finance's credit card The First stand out for my personal expense. Besides, I can make statement balance payment easily via e-wallet as MoMo, VNPAY.

As an IT engineer, a crucial reason why I choose the financial company's services is not-disclosed customer information. Then after experiencing in service, I put my trust in Shinhan Finance.

I am so impress and sastified because Shinhan Finance's customer care is such professional and conscientious.

Loan interest of Shinhan Finance is so competitive. It's helping to solve my personal expenses. I am pleased that Shinhan Finance's staffs always actively & immediately support.

I choose Shinhan Finance because of the company's credibility in marketplace, especially customer information is not be disclosed, be confidential. In addition, loan approval and payment's process is a plus when using Shinhan Finance's services.

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You can contact us in the following ways:
- Apply online at <a href="https://www.shinhanfinance.com.vn">https://www.shinhanfinance.com.vn</a> select “Đăng ký vay ngay”
- Connect with the SVFC Bot on Shinhan Finance's Facebook Messenger
- Chat with our staffs to request support via Shinhan Finance's official Zalo page: <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-Zalo-official</a>
- Call 1900 5454 49, press key 2 to contact sales office for car loan
- Go directly to the transaction offices at the address at <a href="https://shinhanfinance.com.vn/contact">https://shinhanfinance.com.vn/...</a>

1. Which channels can I get auto loan consultation?

The loan amount may range from VND 100 million to VND 10 billion.

2. What is the minimum and maximum loan amount for Auto loan?

SVFC's target customer are citizen and resident of Vietnam with stable income, capacity for civil acts, the age from 18 to 70 and use the purchased car for the right purposes.

3. Who is eligible for SVFC auto loan?

SVFC only approves the loan purpose of buying new cars with 9 seats or less to serve consumer needs such as travel, transportation. SVFC does not approve loans to buy car with purpose: business, freight, rental or other purposes

4. What are Shinhan Finance's regulations on the purpose of auto loan?

Flexible loan terms including 12 months, 18 months and 24 months can help customers easily select the suitable one according to their individual needs.

5. How long can the loan term be applied?

Customer can get a loan amount up to 90% of the car value. The car value is determined on the underwriting results of SVFC.

6. What is the highest loan to value ratio?

The early repayment fee is calculated as follows:
- 3% of repayment amount, if the period from 2nd to 13th.
- 2% of repayment amount, if the period from 14th to 25th.
- 1% of repayment amount, if the period from 26th onwards.

7. What is the prepayment fee?

The loan tenure may range from 12 months to 84 months.

8. What is the loan tenure for auto loan?

Customers can choose date 1, 5, 10 or 16 (calendar days) as their official monthly repayment date.

9. Which date can I choose as my monthly repayment date?

SVFC approves all legal income sources from salaries income, leasing income, enterprise or household income.

10. What sources of income are accepted by SVFC?

SVFC only accepts the car loan to buy new car and use that car as collateral for loan.

11. Which collateral is accepted by SVFC?

Shinhan Finance encourages you to buy insurance in accordance with the provisions of the law, while ensure the safety of you and your car as collateral during the loan period.

12. What are regulations to buy auto loan insurance at Shinhan Finance?

You cannot request to cancel the loan after SVFC disburses successfully.
In this case, you are required to complete the prepayment procedures and pay the early 
settlement penalty fee in accordance with the loan contract.
Check out the fee for loan settlement before maturity <a href="/assets/site/162-Auto-Loan-Tariff_R3_ENG.pdf" target="_blank" rel="noreferrer noopener">here</a>

13. Does Shinhan Finance agree that customers can cancel the loans after signing loan agreement with Shinhan Finance and the car buying money has been disbursed successfully?

- For overdue principal: 150% of the interest rate specified in the contract
- For overdue interest: 10% of the interest rate specified in the contract

14. What is the penalty interest for late payment?

From the 2nd payment period onwards, you can request for partial loan repayment or all the existing outstanding balance. Please contact us via these following channels:
- Chat with Shinhan staffs to request support via Shinhan Finance's official Zalo page: <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-Zalo-official</a>
- Send your support request via email: dvkh@shinhanfinance.com.vn 
- Call 1900 5454 49, press key 0 
- Visit Shinhan Finance's branches and offices in Ho Chi Minh City or Hanoi to complete procedures for partial loan repayment before maturity.
Check out the fees <a href="/assets/site/162-Auto-Loan-Tariff_R3_ENG.pdf" target="_blank" rel="noreferrer noopener">here</a>

15. Does Shinhan Finance have regulations of paying a part of the loan before maturity?

Within 03 working days from the date SVFC fully receives a written request for partial payment of principal before due ("Request Form"), signed by you and the amount to be paid according to the Request , SVFC will send you a new payment plan sheet to your registered mailing address.
Or you can actively check your loan information in the following ways:
- Option 1: Connect with SVFC Bot on Facebook Messenger by pressing “Bắt đầu” button, then clicking “Tra cứu khoản vay” below and follow the instructions. 
- Option 2: Chat with our staffs to request support via Shinhan Finance's official Zalo page: <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-Zalo-official</a>
- Option 3: Use the 24/7 automatic loan lookup channel via call center 1900 5454 49 (Press key 1)

16. How can you know the exact amount to be paid monthly to SVFC after a part of the principal has been pre-paid?

Requirements

Calculate your repayments

12 hours for Loan approval letter

Rate from 10,39%/year

Loan tenure up to 96 months

Loan amount up to 90% car value

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