SEABorrow

Lender page

Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)

A shareable lender landing page for Vietnam borrowers. Use it to inspect the published rate, fee notes, income bar and a representative repayment example before you open the lender site.

Open official source
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Representative monthly payment₫4,037,497₫120,000,000 over 36 months
Effective rateEIR not publishedFrom 12.90% p.a.
Upfront fees₫0Processing + fixed charges where published
Income bar₫10,000,000/moFlexible prepayment noted

What this page is good for

  • Sharing one lender result directly in WhatsApp, Reddit or social posts.
  • Showing a repayment example without making the borrower re-enter filters first.
  • Keeping the source URL and lender-specific caveats next to the numbers.

Published terms at a glance

Amount range
Up to ₫1,000,000,000
Tenor
12–60 months
Funding
Check source
Badge
Cleaner fee stack

Editorial note

Headline reducing-balance rate published by Techcombank; EIR and processing fee are not published.

Figures shown are taken from the lender’s public product page (Vietnamese). Personalised rate, EIR and approval are determined by Techcombank — confirm before applying.

Read more about how SEABorrow classifies verified vs partial / indicative rows on the Methodology page.

Methodology page

SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.

Repayment example

Techcombank planner loaded below

The planner starts with Vietnam defaults and preselects this lender so the shared URL opens to the same offer.

Compare & filter

Find the right Southeast Asia loan shortlist

Start with one market, then adjust amount, tenure and income to surface the most realistic offers.

Popular amounts:
Market focusVietnamProduct quality varies a lot, so showing total repayment and income fit is especially useful.
Best headline rate12.90%Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)
Lowest monthly cost₫4,037,497Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)
Fastest payout—Not published

Offer shortlist

3 matching bank loans

Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.

Vietnam · Higher ceiling

VPBank

Vay tín chấp cá nhân (Personal Unsecured Loan)

Fit 99
IndicativeLast checked May 31, 2026Official bank page (partial) ↗
High ceilingUp to 0.5 tỷ VND
Advertised rateCheck source
Effective rateCheck source
Monthly—
Total cost—
Upfront fee
₫0
Funding
—
Max amount
₫500,000,000
Min income
—
VPBank does not publish a headline rate on the public unsecured personal-loan page; rate is personalised at application.
Open lender pageOpen lender site
Vietnam · Short-term fit

Sacombank

Vay tiêu dùng từ lương (Salary-Based Consumer Loan)

Fit 99
IndicativeLast checked May 31, 2026Official bank page (partial) ↗
Salary-basedUp to 0.5 tỷ VND
Advertised rateCheck source
Effective rateCheck source
Monthly—
Total cost—
Upfront fee
₫0
Funding
—
Max amount
₫500,000,000
Min income
—
Sacombank does not publish a headline rate on the public salary-based unsecured-loan page; rate is personalised at application.
Open lender pageOpen lender site
Vietnam · Cleaner fee stack

Techcombank

Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)

Fit 73
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
From 12.90% p.a.Up to 1.0 tỷ VND
Advertised rateFrom 12.90% p.a.
Effective rateEIR not published
Monthly₫4,037,497
Total cost₫145,349,882
Upfront fee
₫0
Funding
—
Max amount
₫1,000,000,000
Min income
₫10,000,000/mo
Headline reducing-balance rate published by Techcombank; EIR and processing fee are not published.
Figures shown are taken from the lender’s public product page (Vietnamese). Personalised rate, EIR and approval are determined by Techcombank — confirm before applying.
Open lender pageOpen lender site

Repayment planner

Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)

A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.

Estimated monthly payment₫4,037,49736 monthly installments
Total repayment₫145,349,882Principal + interest
Total interest₫25,349,882Cost of borrowing
Upfront fees₫0Processing + fixed charges
All-in cash cost₫145,349,882Repayment plus fees
Income bar₫10,000,000/moPrepayment flexibility supported

Amortization snapshot

Month-by-month repayment schedule

MonthPaymentPrincipalInterestBalance
1₫4,037,497₫2,747,497₫1,290,000₫117,252,503
2₫4,037,497₫2,777,032₫1,260,464₫114,475,471
3₫4,037,497₫2,806,885₫1,230,611₫111,668,586
4₫4,037,497₫2,837,059₫1,200,437₫108,831,526
5₫4,037,497₫2,867,558₫1,169,939₫105,963,968
6₫4,037,497₫2,898,384₫1,139,113₫103,065,584
7₫4,037,497₫2,929,542₫1,107,955₫100,136,043
8₫4,037,497₫2,961,034₫1,076,462₫97,175,008
9₫4,037,497₫2,992,865₫1,044,631₫94,182,143
10₫4,037,497₫3,025,039₫1,012,458₫91,157,104
11₫4,037,497₫3,057,558₫979,939₫88,099,546
12₫4,037,497₫3,090,427₫947,070₫85,009,120

Scenario lab

Run affordability, DSR and early-payoff checks without leaving the comparison flow

These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.

Affordability radar

How much monthly budget feels realistic?

Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.

15% of income₫3,750,000/mo budget
₫111,455,199
20% of income₫5,000,000/mo budget
₫148,606,932
25% of income₫6,250,000/mo budget
₫185,758,665
30% of income₫7,500,000/mo budget
₫222,910,398

Payment pressure

Debt-service view for the selected offer

A quick screen for monthly pressure against the current income input and lender income bar.

Installment / income16.1%
Lender income bar₫10,000,000/mo
Eligibility signalMeets lender floor

This scenario looks relatively light versus the current monthly-income assumption.

Tenure sandbox

Slide the term and watch cost rebalance

36 months₫120,000,000 principal
Monthly₫4,037,497
Total interest₫25,349,882
All-in cost₫145,349,882

This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.

Early-settlement preview

What if you clear the loan early?

Month 12
Remaining balance₫85,009,120
Interest paid so far₫13,459,080
Interest avoided₫11,890,801

This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.

Why this experience is stronger

Designed as a borrower toolkit, not a thin rate table

  • Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
  • Affordability, DSR and early-payoff checks tied directly to the selected lender row.
  • Guides, methodology and policy pages embedded in the same information architecture.

Expansion path

High-related next tools for this vertical

  • Vietnam affordability calculator by salary band
  • Vietnam DSR / DTI checker with lender-income fit
  • Vietnam early-settlement and prepayment-fee explainer

All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.