Hotline

1900 5454 49Call rate 1,000 VND/min

FAQFAQ


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 https://www.shinhanfinance.com.vn/VayNgay/

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.

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

Shinhan Finance offers diversified and convenient repayment methods, which help you save time and effort. The list below for your convenience:


A. Free payment channel

Auto debit:
ACB Bank, Vietcombank, Techcombank, Sacombank.
Please refer to Question 4 for more details.

 

Internet banking:
- ACB: www.online.acb.com.vn
- Vietcombank: www.vietcombank.com.vn/iBanking2015
- Techcombank: www.techcombank.com.vn
- Sacombank: www.isacombank.com.vn

Please refer to Question 5 for more details.

 

ATM Payment:

At ATMs of Vietcombank and Techcombank.
Please refer to Question 6 for more details.

 

Smart card - Banknet/Smartlink:

Key in your contract ID, repayment amount and select “Loan payment to Shinhan Finance” to complete the service.


B. Payment channels for Cash transactions:

- Post offices
- Collection points of Payoo
- Collection points of MoMo
- Collection points of Viettel; Viettel stores; VIETTELPAY; BankPlus.

- Collection points of AirPay
- Bank’s counters


Please refer to Question 7 for more details.
You have to be aware of payment channel charges for cash transactions.

 

You are strongly recommended to pay your EMI via the given payment channels. Do not give/hand over your money to any sales agent and/or company representative for any reason.

 

 

Auto Debit is a method of payment that Shinhan Finance will electronically deduct your EMI from an authorized bank account on the due date.


Advantages:

- Fast and convenient, just one-time registration.


How to register:

- Open a bank account at ACB Bank, Vietcombank, Techcombank, Sacombank, VietinBank
- Auto Debits are usually processed in business days (The service is normally unavailable at weekends and holidays).

- Contact our Officers at any Transaction offices for services registration.

*Notes

- Auto-debit will be applied from the second repayment, thus you should make the first repayment by Internet banking, ATM, or pay in cash at bank counters/MoMo/Payoo/Post offices.

- Remain sufficient amount in your account at least equal to the repayment amount plus Bank's mandatory account maintenance fee* at least 1 business day prior to the due date.

- In case of insufficient funds, Shinhan Finance will request your bank to cancel Auto debit service when you don’t have enough money to cover EMI and it happens for 3 consecutive months since you got the service confirmation.

*Mandatory account maintenance fee is up to each bank’s policy. 

Shinhan Finance currently incorporate with ACB Bank, Vietcombank, Techcombank to provide the most flexible repayment channel anytime anywhere.


Advantages:

- Simple

- Convenient 

How to register: You need to register the services at bank counters, accessing websites below and following the instructions.

- ACB  www.online.acb.com.vn  Choose “ACB Online for Individual”

- Vietcombank  www.vietcombank.com.vn Choose  “VCB Internet Banking”

- Techcombank www.techcombank.com.vn Choose “Internet Banking for Personal”

- Sacombank www.isacombank.com.vn  Choose  “Personal”

- VietinBank: https://ebanking.vietinbank.vn/ipay/login.do

Choose “Bill payment”, type “Finance”, choose “Shinhan Finance (Prudential)”



Some important notes when making payment via Internet Banking:


- Be cautious of using public computer and should use personal computer for banking transactions.

- Type "https://" before bank's website to ensure that your transaction is in a secured session.

- Do not click any links in spam emails.

- Do not disclose your account's information (username, password, debit/credit card’s numbers, CVC code, PIN) with anyone.

- If you have any suspicion that your banking account is disclosed under any circumstances, contact your bank immediately.

You can easily make a monthly repayment at ATMs of Vietcombank and Techcombank just with simple steps.
Advantages: Free of transaction fees

How to register: You need to register an account at Vietcombank or Techcombank, then log in at ATM machine and follow the instructions.

Vietcombank:
- Choose transaction: “T.Bảo hiểm & DV Tài chính”
- Choose supplier: Nhập số “5 – Shinhan TC”
- Choose service: “TT_HD_TinDung”
- Input number of Loan agreement and amount of repayment 

Techcombank:
- Choose “Thanh toán hóa đơn” > ”Tín dụng” > “Vay tài chính Shinhan” 
- Input number of Loan agreement at “Xin vui lòng nhập số Hóa đơn/Hợp đồng thanh toán” and choose “Đúng”
- Input amount of repayment “Xin vui lòng nhập số tiền thanh toán” and choose “Đúng”.
- Verify information and confirm “Đúng” 

Make your repayment at any Bank counters, MoMo’s POS, Payoo’s POS, VIETTEL and post offices.


1) Bank

- NH TMCP ACB – Chi nhánh TP. HCM - Bank account number: 92248559 - Transaction fee: VND 5,000 - Description: Giao dịch tiền mặt: TM (Name of borrower) thanh toán hợp đồng cho vay số (number of contract) - Beneficiary: Công ty tài chính TNHH một thành viên Shinhan Việt Nam.

- NH TMCP Sacombank - Chi  nhánh Tân Định – TP. HCM - Bank account number: 060108086559 - Transaction fee: 16,500 for transaction less than VND 10 Million - Description: Giao dịch tiền mặt: TM (Name of borrower) thanh toán hợp đồng cho vay số (number of contract) - Beneficiary: Công ty tài chính TNHH một thành viên Shinhan Việt Nam.


- NH TMCP Vietcombank – Chi  nhánh TP. HCM - Bank account number: 0071004468898 - Transaction fee: 0.03% of repayment amount (from VND 20,000 to VND 2 Million, excluding VAT) - Description: (Name of borrower) thanh toán hợp đồng cho  vay số (number of contract) - Beneficiary: Công ty tài chính TNHH một thành viên Shinhan Việt Nam.


- NH TMCP Techcombank – Hội sở Hà Nội - Bank account number: 10120482878028 - Transaction fee: 16,500 for transaction less than VND 10 Million -  Description: (Name of borrower) thanh toán hợp đồng cho  vay số (number of contract) - Beneficiary: Công ty tài chính TNHH một thành viên Shinhan Việt Nam.

 

- NH TMCP VietinBank - Chi Nhánh Thủ Thiêm - Bank account number: 121000059067 - Transaction fee: 11,000 for successful transaction - Description: (Name of borrower) thanh toán hợp đồng cho vay số - Beneficiary: Công ty tài chính TNHH một thành viên Shinhan Việt Nam.

 

 


2) MoMo

Transaction fee: 8,000 
Location: at any MoMo’s POS, from 9AM to 8PM, from Monday to Sunday
How to make a repayment:
- Deposit cash at POS
- Provide full details to the teller:
+ Pay the loan amount to Shinhan Finance
+ Loan agreement number
+ Full name of the borrower


3) Payoo

Transaction fee: VND 8,000
Location: at Payoo’s POS such as Vien Thong A, FPT shop, Nguyen Kim, Hnam Mobile, Circle K, BKC, G7-ministop, Thanh Cong Mobile, Foodcomart, Bee-next.
How to make a repayment:
- Deposit cash at POS
- Provide full details to the teller:
+ Pay the loan amount to Shinhan Finance
+ Loan agreement number
+ Full name of the borrower


4) Post office

Transaction fee: VND 15,000
Location: at any post offices naitionwide, from 7AM to 7PM, from Monday to Saturday. For post offices in HCMC and Hanoi: working day from Monday to Sunday Deposit cash at post office
How to make a repayment:
- Deposit cash at the post offices
- Provide full details to teller:
+ Pay the loan amount to Shinhan Finance
+ Loan agreement number
+ Full name of the borrower


5) VIETTEL

Transaction fee: VND 11,000 (included VAT)
Location: at VIETTEL stores
How to make a repayment:
- Deposit cash at POS
- Provide full details to the teller:
+ Pay the loan amount to Shinhan Finance
+ Loan agreement number
+ Full name of the borrower
+ Your cell phone numbers (if any)
Or click here for online transaction.

 

6) AirPay

- Deposit cash at counter

- Provide full details to the teller:
+ Pay the loan amount to Shinhan Finance
+ Loan agreement number
+ Full name of the borrower
+ Your cell phone numbers (if any)

 

 

 

Make FULL repayment, BEFORE or ON DUE DATE

- As stated in the loan agreement, monthly repayment must be made fully on the due date or the next working day if due dates fall into Saturday, Sunday or holidays subject to Shinhan Finance’s further notice.

- Provide full and accurate information such as Borrower’s full-name, Loan agreement’s number, Description.

- Keep invoice, receipt, Auto-debit request form, ATM’s receipt for counter-checking in case of any issues.


SMS for auto repayment reminder:

- Pre-due SMS will be sent once before the due date;

- Reminder SMS to be sent once per day, on 2-3 day frequency in case of uncompleted repayment (Reminder SMS will be stopped when the repayment is made) 

DO NOT pay in cash to any Shinhan Finance’s members.

- DO NOT make your repayment in cash to any staff or member of Shinhan Finance. Please check the repayment channels in Question 3.

- If you receive any request of cash deposit from Shinhan Finance’s members,  please call 1900 5454 49 press 0 or email to dvkh@shinhanfinance.com.vn to report.

You can obtain any information of equated monthly installment (EMI), the previous repayment and outstanding balance and other information by 02 methods:

Method 1: Call 1900 5454 49 press 1 to use 24/7 Interactive Voice Response.

Method 2: Access to your log-in page at www.shinhanfinance.com.vn. Please refer to Question 12 for login instruction.

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.

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 15, PICO buiding, 20 Cong Hoa, Ward 12, Tan Binh Dist., HCMC.


2. IF YOU ARE NOT CUSTOMER OF SHINHAN FINANCE YET

Register for loan now at https://www.shinhanfinance.com.vn/VayNgay

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.

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?

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. 

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.

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.

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

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

You can call 1900 5454 49 to refer to Shinhan Finance's loan agreement in here

You can call 1900 5454 49 to refer to the Shinhan Finance's General Clauses of Loan Agreement in here

 

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