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A savings product ensures customers’ benefits upon interest rate fluctuation; customers still enjoy the interest rate being adjusted in line with market changes without changing the book.

  • Interest rate is adjusted in line with market rates, thus customers shall not spend time to change savings book
  • Premature withdrawal is allowed. Customers still enjoy preferential interest rate
  • Simple and time-saving procedure
  • Eligible to use savings book for mortgage, loan guarantee
  • Currency: VND
  • Minimum amount: 50.000.000 VND
  • Term on book: 13 months, 18 month, 24 months, 36 months
  • Term as registered: customers register actual term following the terms on book:

 

No. Term on book Term as registered
1 13 months 3 months, 6 months, 9 months, 12 months
2 18 month 3 months, 6 months, 9 months, 12 months, 13 months
3 24 months 3 months, 6 months, 9 months, 12 months, 13 months, 18 month
4 36 months 3 months, 6 months, 9 months, 12 months, 13 months, 18 month, 24 months

 

  • Interest rate is automatically adjusted every 3 months for each customer’s savings book
  • Interest payment: at maturity date or date of premature withdrawal
  • Principal is allowed to withdraw one time only
  • Customers withdrawing at due date of registered term shall enjoy adjusted rate (if any) of such term
  • Customers withdrawing at due date of the term on book shall enjoy the rate stipulated on book in line with adjusted ones (if any)
  • In case of premature withdrawal, customers enjoy non-term savings rate. If withdrawal is made within less than 5 interest-bearing-days since the first deposit, no interest shall be paid to customers
  • Upon maturity date, if customers do not withdraw, interest shall be capitalized and the savings shall be automatically renewed for another term with applicable rate
  • Savings application (SHB form)
  • Actual term registration (SHB form)
  • Identification papers: ID Card/Passport/…
  • Other relevant papers of customer (if any)

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