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Shinhan Finance provide personal financial solutions which help customers fulfill their dreams and improve life quality. For product consultation, you can contact us via one of these channels: Apply online at <a href="https://www.shinhanfinance.com.vn/en/product/personal-loan">https://www.shinhanfinance.com.vn/en/product/personal-loan</a> Call 1900 5454 49 press 4 Visit transaction offices with listed at www.shinhanfinance.com.vn According to the regulations of State Bank of Vietnam, Shinhan Finance do not collect any fees when customers apply for their loans.

1. How do I apply for a loan at Shinhan Finance?

In compliance with Circular 14/2017/TT-NHNN by The State Bank of Vietnam, effective from 01/01/2018, the principle and interest calculator is as follows:
 Interest calculator principle Interest rate is expressed by % per year (annual interest rate), a year means 365 days. The interest duration is a measure starting from the date of loan disbursement until the end of the day preceding the date of full repayment (including the first day, excluding the last day of the interest duration) and loan balance defined at the end of any day within the interest duration. Interest calculator
 The interest of each interest period is determined as follows: Interest = [∑(Actual balance x number of days maintaining actual balance x Interest rate)] : 365

2. How do I know the interest calculation method applied at Shinhan Finance?

Email and SMS of repayment notification will be sent to your registered phone number or emails in 01 working day after you make the repayment. Please keep invoice, receipt, Auto-debit request form, ATM’s receipt for counter-checking in case of any issues. If you do not receive such alerts, please call 1900 5454 49 press 0 for clarification: - In case that you no longer use this phone number/email, request to update new ones for our Customer Service Center.

3. How can I know that Shinhan Finance receives my repayment amount?

1. IF YOU ARE ALREADY A CUSTOMER OF SHINHAN FINANCE To log in account of Shinhan Finance’s website, you must have User ID and Password: Your User ID is your email address or National ID. "Password" provided on Loan agreement. If you have NOT received User ID and Password, please contact Customer Service Center: Call 1900 5454 49 press 0. Leave your request at dvkh@shinhanfinance.com.vn Visit Customer Service Center at Floor 10, PICO building, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC.
 2. IF YOU ARE NOT CUSTOMER OF SHINHAN FINANCE YET Register for loan now at <a href="https://www.shinhanfinance.com.vn/en/product/personal-loan" target="_blank" rel="noreferrer noopener">https://www.shinhanfinance.com.vn/en/product/personal-loan</a>

4. How can I have an account to log in at Shinhan Finance’s website?

1) First time log in: Step 1: Log in to account - Visit www.shinhanfinance.com.vn - Click "LOGIN" - At "Account Login" section, input "User name" is your email address or National ID and "Password" provided on Loan agreement and key in "Verification code". - Click "LOGIN" Step 2: Create new password - Key in "New password". Password must have at least 8 characters including at least 1 number and 1 uppercase letter. - Confirm "New password" - Key in "Verification code" Verification code will be sent to your mobile phone registered with Shinhan Finance Step 3: Activate account When you receive loan disbursement notification via SMS, you can access to your Account at www.shinhanfinance.vn with User name and new password.
 2) Normal login (after first login): Step 1: Log in to account - Visit www.shinhanfinance.vn - Click "LOGIN" - At "Account Login" section, input "User name" and "Password" (Password is created at first time login). - Key in "Verification code" - Click "LOGIN" Step 2: Login successfully Click "REGISTER NOW" if you have not registered email with Shinhan Finance.

5. How can I log in my account at Shinhan Finance’s website?

If you cannot log in, please check: User ID/Password is input correctly? Turn of Vietnamese word processing function if needed. Account is activated yet? If you are unsure, please call 1900 5454 49 press 0. JavaScript is activated and works on your web browser? Network system, DNS, stability of internet line?

6. What should I pay attention to when logging in my account at Shinhan Finance’s website?

Call 1900 5454 49 (press 0) when you need to update your contacts, address or other personal information, which also help us keep you posted of any program or promotions.

7. How can I update my personal information with Shinhan Finance?

If you keep good credit information and meet Shinhan Finance’s requirements, you will have chances for Top-up loan. Please call 1900 5454 49 press 0 for more details.

8. Can I apply for Top-up loan at Shinhan Finance?

Uncompleted repayment will be updated to Credit Information Center of State Bank of Vietnam, which cause disadvantages for you:
 You may not be supported financially by Shinhan Finance in the future. Other financial institutes will consider very carefully when approving your loan application. The serious case may be brought into court.
 Therefore, if complying the repayment terms, you can gain benefits: Support from Shinhan Finance. Get more offers from other financial institutes when having financial needs.

9. What are disadvantages in case of late payment?

Shinhan Finance currently applies Service Fees related to loan documents as below: - Issuance of Loan confirmation lettter: VND 110,000/envelope - Provide Payment statement: VND 55,000/copy - Provide copy of Loan agreement: VND 110,000/copy - Provide copy of Insurance certificate: VND 110,000/copy - Receive the required documents via post on registered address: VND 55,000/request - Provide authenticated copy of motorbike registeration form; land usage and owned home license: VND 220,000/copy (maximum of 5 copies) - Provide Letter of lease/construction/renovation acceptance: VND 165,000/copy - Borrow title deeds to present for studying abroad interview, lease contract notarization, construction permission/completion: VND 550,000/copy Note: Fee includes VAT

10. How many types of service fee applied at Shinhan Finance?

You can request for loan foreclosure via: Call 1900 5454 49 press 0 Visit Customer Service Center at Floor 15, PICO buiding, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC

11. Which documentation for foreclosure?

You can call 1900 5454 49 to refer to Shinhan Finance's Personal loan agreement <a href="https://shinhanfinance.com.vn/assets/site/H%E1%BB%A2P-%C4%90%E1%BB%92NG-CHO-VAY-TI%C3%8AU-D%C3%99NG.pdf" target="_blank" rel="noreferrer noopener">in here</a>

12. Which document can I refer to Shinhan Finance's Personal loan agreement?

You can call 1900 5454 49 to refer to the Shinhan Finance's General Clauses of Personal loan agreement <a href="https://shinhanfinance.com.vn/assets/site/B%E1%BA%A2N-%C4%90I%E1%BB%80U-KHO%E1%BA%A2N-C%C6%A0-B%E1%BA%A2N-C%E1%BB%A6A-H%E1%BB%A2P-%C4%90%E1%BB%92NG-CHO-VAY-TI%C3%8AU-D%C3%99NG.pdf" target="_blank" rel="noreferrer noopener">in here</a>

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