Transparency
How this is written, checked and corrected
· Applies to loamnotes.com and every page on it
Content about borrowing money should say where its numbers came from and what happens when one of them turns out to be wrong. This page is that commitment, written down so it can be held against us.
Who publishes this
Rate Shock is published by Rate Shock, based in Ho Chi Minh City, Vietnam, and has been online since 2026. It is an independent publication. It is not owned by, funded by, or affiliated with any bank, broker, developer or comparison site, and it holds no licence to give financial advice, which is why it does not give any. See the financial disclaimer.
Editorial responsibility for everything published here rests with the publisher. Questions, corrections and complaints go to support@regulad.com and are answered by a person.
Where the figures come from
Every number on this site falls into one of three categories, and they are treated differently.
| Category | Source | How it is checked |
|---|---|---|
| Computed figures | The calculation engine, run against the worked example used across the site: 2.4 billion dong over 240 months at 6.9% for twelve months, then 8.5% base plus a 3 point margin | Generated by running the engine, never typed from memory. The engine carries forty-three automated tests checked against hand calculations, and every formula is published on the methodology page |
| Market conventions | Published bank fee schedules, product terms and credit agreements, plus contracts sent in by readers | Described as ranges and as what is typical, never as universal. Where practice varies between banks, the article says so rather than picking one |
| Judgements | Our own reasoning, for example the affordability thresholds in the guides | Presented as our view with the reasoning shown, so you can disagree with it on the merits |
A number is never included because it sounds plausible. If a figure appears in a guide, it was produced by the engine or it came from a document.
Review cycle
Every guide carries a published date and a reviewed date, both visible at the top. The reviewed date changes only when the article has actually been reread against current conditions, not when a typographical error is fixed.
- Every six months: each guide is reread and the rate ranges, fee tiers and market conventions are checked against current bank documentation.
- Immediately: whenever a reader reports something wrong, or a change in market practice or regulation makes part of a guide inaccurate.
- Whenever the engine changes: any change to the calculation engine triggers a regeneration of every computed figure quoted in the guides, so the articles cannot drift away from the tool.
Corrections
Errors are fixed rather than quietly removed. If you find one, the most useful report contains the share link to the scenario, the figure you believe is correct, and where it comes from. The report a calculation bug section of the contact page asks for exactly that.
- A calculation error is treated as a defect. It is reproduced, a failing test is written, the engine is fixed, and every figure derived from it is regenerated.
- A factual error in a guide is corrected in place and the reviewed date is updated.
- A material correction, meaning one that could have changed a reader’s decision, is noted at the foot of the article saying what was wrong and when it was fixed. We do not silently rewrite something that misled someone.
- A typographical fix is made without ceremony and without touching the reviewed date.
Independence
No bank, broker or advertiser has ever seen an article before publication, requested a change to one, or paid for a mention. There is no sponsored content on this site and no affiliate revenue of any kind. The site is funded entirely by display advertising, which is bought through an auction and which we do not select; the full arrangement is in the advertising disclosure.
If any of that ever changes, the change will be disclosed on that page and the affected item will be labelled at the top of the item itself.
Naming banks
We describe what is typical across the market rather than ranking individual banks, for two reasons. Rankings are the format most easily bought and the hardest to keep honest. And terms change constantly, so a table of named products is out of date within a quarter and actively misleading within a year.
What the site does instead is give you the arithmetic to price whatever offer is in front of you, which does not go out of date.
On the use of AI
Software tools, including AI ones, are used in drafting and in checking this site, in the same way a spreadsheet or a spellchecker is. That does not change where responsibility sits or what the standard is:
- Nothing is published that a person has not read, understood and taken responsibility for.
- No figure is ever taken from a language model. Every computed number is produced by running the engine, and every claim about market practice comes from a document.
- There is no automatically generated content on this site, and no page exists for the purpose of carrying advertising.
Accessibility and the reading experience
The site is built to be usable with a keyboard and a screen reader, respects a reduced-motion preference, keeps visible focus outlines, and provides a print stylesheet for the calculator so a schedule can be taken to the bank on paper. Advertising never obscures content, never moves it after it has loaded, and never appears inside the analysis. If something here is hard to use, that is a bug and we would like to hear about it.
Contact
Corrections, complaints and questions about this policy: support@regulad.com, or the contact page.