KB HiMargin - Margin rate 50% every stock

1.   Promotion period: 15/09/2025 - 30/09/2026.
2.   Eligible customers:
-      Domestic customers with a margin account (MA), who register to use KB HiMargin and are approved during the product implementation time
-      At the registration time, customer’s margin loan (including current and expected intraday loans) must not exceed 5.000.000.000 VND.
3.   Product content:
-       KB HiMargin portfolio applies a loan rate of 50% to all securities in KBSV's standard margin lending portfolio issued from time to time.
-       KB HiMargin product is set up on a margin trading sub-account (MA sub-account). Customers are only allowed to use 01 MA sub-account at a time.
-       Margin loan limit: 5.000.000.000 VND/account
4.    Transaction fee, Margin interest rate, cash advance fee
-       Transaction fee: 0.15%
-       Margin interest rate: 12%/year
-       Cash advance fee: 12%/year.
-       Applicable time for transaction fee, margin interest rate and cash advance fee: from the product registration approval date until the end of the product implementation time (30/09/2026).
-       Loans incurred before the date of product registration approval will still maintain the interest rate of the currently applied loan.
After the product expires, the sub-account will be reset, the interest rate of loans incurred during the product usage period still maintains the product interest rate.
5.    Other policies:
-       Roll-over:
o    Interest rate for 1^st roll-over: 12%/year
o    Interest rate for 2^nd roll-over onwards: based on current KBSV regulation
o    Roll-over method: based on current KBSV regulation
-       If a customer cancels product usage, sub-account will be reset to standard parameters, but loans incurred during product usage will maintain the product’s interest rate until settled or the loan term expires.
 
6.    Periodic customer evaluation regulations
6.1.  Evaluation criteria
To continue to maintain the policy of KB HiMargin product, Customers need to ensure that the average monthly turnover (TO) on MA sub-account reaches at least 1.5 times during the evaluation period
6.2.Evaluation time and data
-       Evaluation time: monthly periodic evaluation. Specifically:
o    First period: The transaction value data, average margin loan assessed from the date of product registration approval until the end of the following month.
o    From the 2nd period onwards: transaction value data, average margin loan balance assessed from the first day of the month until the last day of the month.
-          If customers DO NOT MEET the criteria during the evaluation period, they will be given a 3-working-day extension time to increase transactions and/or adjust margin loan to meet TO conditions, continue to qualify for the product policy.
-          Evaluation execution time: on the 1^st working day after the end of the evaluation period.
-          The supplementary evaluation (for Customers who did not meet the criteria): at the end of the 3^rd working day after the end of the evaluation period.
-          Policy application time after evaluation: from the 4^th working day after the end of the assessment period
6.3.  Policy applied after evaluation
-          If customer MEETS the conditions: the product policy will continue to be applied.
-          If customer DOES NOT MEET the conditions:
o    Apply the standard margin loan portfolio of KBSV
o    Apply KBSV’s standard margin ratio parameters (Mrtype).
§  Safety ratio (Rat): 100%
§  Warning ratio (Rcb): 85%
§  Forced-sell ratio (Rxl): 80%
o    Maintain the interest rate and cash advance fee, transaction fee of KB HiMargin product
o    Maintain the margin loan limit of 5.000.000.000 VND/account
 
7.     Notice:
-       Customers are only approved to register to use the product 01 time only. If customers Cancel, they will not be allowed to re-register.
-        KB HiMargin product cannot be used with other preferential products/programs regarding transaction fees, interest rates, cash advance fees, and/or MA sub-account currently applying the policies approved by Risk Management Execution Committee (RMEC)
-        The condition to maintain the 50% lending ratio for all securities in the margin lending portfolio is that the customer ensures that the average monthly turnover (TO) on the MA sub-account reaches at least 1.5 times
 
For inquiries, please contact your relationship manager or hotline 19001711.
Terms & Conditions