My Happy Money

The Happy Money app provides a fast, transparent, and convenient asset collateral loan solution. Customers can use assets such as cars, motorcycles, or other valuable assets to receive cash based on their appraised value. A. Collateral Value - Unlimited, depending on the asset's value at the time of appraisal. B. Contract Term - Flexible, from 6 months to 24 months. C. Payment Methods - Monthly installment payments, or - Installment payments and full contract value upon term completion D. Payment Methods - Cash at the transaction point, or - Bank transfer to the account holder E. Service Packages - Standard Package (applicable to all customers) - Special Offer Package (for loyal customers) - Flexible Package (depending on the program) - Express Package (simplified procedures) F. Pledge Fees: - Pledge fees are calculated flexibly depending on the pledge value, type of collateral, and pledge term, applied to the fixed principal balance. - Pledge fees include: Appraisal fee, Asset management fee, Interest. - No other fees except for early repayment penalty fees, late payment penalty fees, or storage fees. - The appraisal fee is calculated based on the contract value and is used to maintain the data processing system. This includes the cost of document appraisal, information verification, and providing technical support services throughout the pawn process. This fee ensures that the pawn process is fast, secure, and professional. - The asset management service fee is calculated based on the value of the collateral. This fee is used to cover risk management activities, warehouse insurance (for pledged assets) or security monitoring (for assets borrowed back by the customer). This ensures that the customer's assets are always properly valued and protects the legal rights of both the customer and Happy Money. - The pawn costs will be fully and accurately provided in the contract. - Customers will receive a detailed cash flow statement (Repayment Schedule) after being advised on a suitable package. - Flat mortgage premium (APR) from 31.68%/year (Applicable to high-limit automobiles, equivalent to 2.64%/month). For smaller or higher-risk assets, the fee may vary according to regulations from time to time. - Includes: • Interest rate: 1.46% / month • Fee: 1.18% / month - Includes: • Appraisal fee: 0.18% / month • Asset management fee: 1.00%/month - Example: A customer signs a mortgage contract for VND 300,000,000, for a term of 12 months. The package applies a flat mortgage premium of 2.64%/month (equivalent to APR of 31.68%/year). Monthly mortgage cost (Interest + Fee): VND 7,920,000. - Therefore, the total payment amount, including collateral fees and principal debt after one year, is 396,360,000 VND. - Collateral fees may vary depending on the collateral amount, asset value, and your credit score. Please register your information on the app for detailed advice tailored to your specific situation, or visit the website for the latest updates. Nano Trading and Linkage Joint Stock Company Address: 9th Floor, TNR Tower, 54A Nguyen Chi Thanh Street, Lang Ward, Hanoi City, Vietnam Website: https://happymoney.vn/ Hotline: 1800 6285