best banks for loans - haiphong

i am trawling through bank websites now and sometimes can't get the information i need easily. If anyone have good experience / low rates they can share it is appreciated.
The parameters are vietnamese citizen, single, monthly income 8,000,000VND loan/mortgage required for 250,000,000 - 350,000,000 for 3-5 years. Has 100,000,000 savings. In HaiPhong area only.
Also can a foreign citizen act as guarantor?
anything is good - so far HSBC seems the best foreign bank one for Haiphong

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