To use the Margin trading by stock service, you need to sign a margin trading contract and be granted a margin limit by FPTS.

With the EzMortgage service, you can mortgage securities that are pending settlement. However, you can only pledge the whole quantity of a specific pending securities and may adjust the loan amount to be less than the maximum allowable loan.

To place margin trading orders, please refer to the detailed instructions here.

In case you have used up your limit and needs to borrow more, you can submit a 'Request to Change Margin Limit' in the 'Margin Management' section. (Please refer to the detailed instructions here)

You can easily register, change or cancel Margin T+ packages online via FPTS's trading applications (EzTrade web-based online trading platform and EzTrade mobile application).
For more detailed instructions, please click here.

The Margin T+ service is only applied for EzMargin buying orders.

FPTS currently offers the following margin packages:

• Margin T+3 package: The loan term for margin securities purchases with interest-free application is three days.
• Margin T+5 package: The loan term for margin securities purchases with interest-free application is five days.
• Margin T+7 package: The loan term for margin securities purchases with interest-free application is seven days.

The applicable interest rates after the interest-free time for each Margin T+ package are as follows:

• T+3 Package: interest-free in the first three days; overdue interest rate of 03395685% per day on the total margin loan amount.
• T+5 Package: interest-free in the first five days; overdue interest rate of 03491370% per day on the total margin loan amount.
• T+7 Package: interest-free in the first seven days; overdue interest rate of 03587055% per day on the total margin loan amount.

For more details on Service Tariff, please see here.

• If you register before 15:00 on a trading day: The Margin T+ package will take effect immediately and all margin buy orders placed on the same day will be executed according to the terms of the Margin T+ package.
• If you register after 15:00 on a trading day: The Margin T+ package will take effect on the next trading day and margin buy orders placed on the registration day will be executed according to the terms of the normal margin service.

At the end of trading day T+n (n corresponds to 3, 5 or 7 depending on the T+ package used by the customer), if the margin contract has not been settled, the system will:

• Automatically sell the whole remaining quantity of securities as collateral assets for the loan if the selected handling method for the T+ package is Automatic selling.
• Automatically extend the loan for an additional three (03) months if the collateralized securities are still in FPTS's securities margin list. The accrued interest will be added to the principal amount if the loan package has the "Automatic Extension" handling method. After extension, the loan will be subject to the overdue interest rate. The extended contract will be treated as a regular margin contract and subsequent steps such as repayment, extension and automatic selling will follow the same procedures as a regular margin contract. For any subsequent extensions, the extension interest rate will be the regular margin rate.

The number of days for the T+ package is calculated from the day the securities are purchased. For example, with the T+7 package, the contract duration is seven days from the day the securities are bought. Please note that the number of days is counted as calendar days, not business days.

The maturity date of the contract is based on the active T + package on your account.

• Example: If you create a T + margin contract and your account is under the T + package, the maturity date will be calculated as seven calendar days from the date of purchase.

If the maturity date (calculated by n calendar days) is on a holiday, the system will automatically move the maturity date to the next business day.

• Example: If you use the T+5 margin package and create a margin contract on Monday (April 14), the maturity date will be on Saturday (April 19). The system will automatically move the maturity date to the next business day, which would be Monday (April 21).

No, the interest rate for EzMargin margin loans and EzMortgage securities collaterals is the same.

You will pay a minimum fee of VND30,000 when settling a margin contract early.