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Fees, conditions and documents for new car | VIB
Fees, conditions and documents for new car
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Section4
1. Fee schedule
1.1 Fee (collected by VIB)
| Loan appraisal fee | Free |
| Collateral valuation fee | Free |
| SMS fee | Free |
| Early prepayment fee | Partial: Minimum VND 300,000 VND once Full: Minimum VND 1,500,000 VND per loan |
1.2 Fee (collected by third-party)
| Secured Transaction Registration Fee | VND 80,000 |
| Car insurance | From 1.2% of Car value |
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Section5
2. Requirement and documents
2.1 Individual
| Nationality | Vietnamese or Vietnamese whose spouse is Foreigner |
| Age | From 18 and not exceed 70 at loan maturity |
| Residential/working address | Provinces/cities where VIB branches/transaction offices locate |
| Salaried income | Minimum 03 months working at current employer. Labor contract tenor is 12 months at minimum |
| Rental income | Under ownership and stable income for at least 06 months |
| Business/household income | Minimum 01 year in operation |
| Minimum income | VND 15 mil per month |
| Credit history | No overdue debt at the time of loan application No bad debt record in last 04 years |
2.2 Micro SME
| Type | Established in Vietnam and Revenue/Total Asset less than VND 500 bio |
| Business address | Provinces/cities where VIB branches/transaction offices locate |
| Ebtablished | Minimum 1.5 years in operation |
| Profit after tax | > 0 |
| Debt to equity | ≤ 6 |
| Credit history | No overdue debt at the time of loan application No bad debt record in last 04 years |
2.3 Document check-list
| Individual |
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| Micro SME |
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Section6
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Data Right Box
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Section2
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