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Smart Mortgage | Income, Savings, Loan all-in-one - HSBC VN From 27 November 2024, the new versions of our app will no longer work on older versions of operating systems on Android and Apple devices. To continue to enjoy the latest features on your HSBC Vietnam app, please update your device's operating system to aOS 9 or iOS 15.0 or above. Skip page header and navigation Latest offers with HSBC Premier Premier support for overseas education Articles about studying abroad HSBC Premier World Mastercard® Credit Card Spend Instalment on HSBC Vietnam App Investment Linked Insurance Product - Pru-Flexinvest Financial Planning Foreign Exchange Special offers for study abroad Global View and Global Transfers HSBC International Student Program Financial wellbeing management Get sign-up gifts worth up to VND3.5m with your new HSBC TravelOne Credit Card Apply for an HSBC Cash Back Credit Card and get up to VND 2 m cashback! Live it up with an HSBC Live+ Credit Card – enjoy up to VND2.8m worth of sign-up gifts Pay no annual fee when you spend with your HSBC LiveFree Credit Card Latest offers with HSBC Premier Premier support for overseas education Articles about studying abroad HSBC Premier World Mastercard® Credit Card Spend Instalment on HSBC Vietnam App Investment Linked Insurance Product - Pru-Flexinvest Financial Planning Foreign Exchange Special offers for study abroad Global View and Global Transfers HSBC International Student Program Financial wellbeing management Get sign-up gifts worth up to VND3.5m with your new HSBC TravelOne Credit Card Apply for an HSBC Cash Back Credit Card and get up to VND 2 m cashback! Live it up with an HSBC Live+ Credit Card – enjoy up to VND2.8m worth of sign-up gifts Pay no annual fee when you spend with your HSBC LiveFree Credit Card Your income, savings and loan – all rolled into one. Contact us check the forms to know how to apply loans This link will open in a new window The Smart Mortgage offers flexibility to your lending and savings. Any additional funds that you pay into the Smart Account allows you to pay less for your mortgage or pay it quicker. Additional funds paid into Smart Account reduces interest charge on your mortgage loan Withdraw funds from your Smart Account at any time Receive up to VND10Million cash-back Daily end balance to calculate interest of the mortgage will be netted off against 50% of Smart Mortgage Account balance prior to interest calculation, which will lower the interest payment for the customer. Home Mortgage Loan fixed rates After the Fixed Period, Variable Rate will be applied After the Fixed Period, Variable Rate will be applied After the Fixed Period, Variable Rate will be applied Mortgage interest rate might be lower if customer meet some conditions include: Premier,Payroll offers and hold other HSBC’ products. Home Mortgage Loan variable rates Variable rate = Prime Rate + Spread Variable rate = Prime Rate + Spread 2Prime Rates is an internal HSBC decided rates and may vary from time to time Home Loans Early Repayment fees for Premier customers Basing on early principal amount Basing on early principal amount Home Mortgage Loan fixed rates After the Fixed Period, Variable Rate will be applied After the Fixed Period, Variable Rate will be applied After the Fixed Period, Variable Rate will be applied Mortgage interest rate might be lower if customer meet some conditions include: Premier,Payroll offers and hold other HSBC’ products. Home Mortgage Loan variable rates Variable rate = Prime Rate + Spread Variable rate = Prime Rate + Spread 2Prime Rates is an internal HSBC decided rates and may vary from time to time Home Loans Early Repayment fees for Premier customers Basing on early principal amount Basing on early principal amount Vietnamese individuals orOverseas Vietnamese Monthly personal income of at least VND 10 million Local residents living in Hanoi, HCMC, Dong Nai, Binh Duong, Long An, Ba Ria Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong , Hai Phong, Danang, Hoi An City, Tam Ky , Hue City Mortgaged property must be located in Ho Chi Minh City, Ha Noi, Binh Duong, Dong Nai and minimum value is VND 800 million OR located in Da Nang and minimum value is VND 500 million Home Mortgage Loan application form Household registration book / Temporary residence book Copy of purchasing house ownership certificate Copy of other asset ownership certificates HSBC Mortgage financed projects HSBC Mortgage financed projects Download link Product material Download link Loan tariff to read the loan tariff details Download link Mortgage Credit Agreement – Vietnamese version Mortgage Credit Agreement – Vietnamese version to read the loan credit agreement in Vietnamese Download link Please make sure you've read the information under Things you should know section Contact us for an HSBC Home Mortgage Loan This link will open in a new window Lines are open 8am to 10pm daily. Smart Account is a current account, mandatory to open for Smart Mortgage, and is linked to your Smart Mortgage Account. 2. Is there interest paid for Smart Account? Smart Account is a no interest bearing account. 3. How many Smart Accounts can be linked to a Smart Mortgage Account? Each Smart Account can only be linked to one Smart Mortgage Account and vice versa. 4. Is there any cap for the Smart Mortgage? Fifty percent Smart Account Balance will be netted off with actual Smart Mortgage Balance for interest calculation for borrowers. 5. If 50% of Smart Account Balance is higher than Smart Mortgage balance, could the surplus be netted off for the following day or month? At any day, if 50% of Smart Account Balance is higher than actual Smart Mortgage balance, HSBC will calculate the mortgage interest as zero . HSBC does not charge mortgage interest for that day but also does not transfer the surplus to the following day or month. 6. Could Smart Account be maintained after Smart Mortgage closure? When Smart Mortgage has been paid off/ closed, Smart Account will be auto-closed and Smart Account balance will be transferred to borrower’s main transaction account. You might also be interested in Make your plans a reality today. Fulfill your personal needs while being enjoy the attractive interest rates from fixed deposits. Enjoy flexibility of your changing needs with our attractive loan. Write, call or send us a message Visit us at your nearest branch Find answers to your queries or contact us for further help Careers, media, investor and corporate information HSBC Group | © Copyright HSBC Bank Group 2002-2025 All rights reserved This website is designed for use in Vietnam. Cross-border disclosure