PHS activates the VIP COMBO promotion program with interest rates from only 10.99%/year, suitable for loyal customers with long-term disbursement needs.
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VIP 5 |
VIP 10 |
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Implementation date |
28/10/2024 – 28/04/2025 |
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Outstanding balance requirements |
From 1 bil – Under 5 bil VND |
From 5 bil – Under 10 bil VND |
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Interest rate (*) |
11.5%/year |
10.99%/year |
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Interest-free |
No |
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Total Limit |
500 billion VND |
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Loan term |
90 days - maximum 180 days |
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PIA fee |
Based on PIA fee before joining VIP COMBO |
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(*): Only apply for new disbursed loans during the promotion.
- Conditions for maintaining the promotion: At the end of each month, PHS will evaluate the average outstanding balance of all customers participating in the VIP COMBO promotion. Accordingly:
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Average monthly outstanding balance reached |
Adjust accordingly |
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From 5 billion VND |
Upgrade to/keep VIP 10 |
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From 1 billion to under 5 billion VND |
Downgrade to/keep VIP 5 |
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Not meeting both of the above balance levels |
Downgrade to original interest rate |
- Promotion validity:
- Customers register before 4pm on working days: valid on the same day.
- Customers register after 4pm on working days: valid on the next working day. - Note:
- Customers can only participate in 01 promotion at the same time.
- Customers can re-register to participate in VIP COMBO at any time when they meet the program's outstanding balance conditions. - Registration/Cancellation:
- Via Customer Portal: Tab Other feature => Register to participate in the promotion (click here)
- Via email or call our Customer Care Center: 1900 25 23 58 – Email: support@phs.vn
