Conditions for borrowers

Nationality
Vietnamese residents or foreigners whose spouses are Vietnamese residents.

Age
From 18 to 70 years old or below until the maturity period of loans.

Working experience
Having at least 03 months at current job; having formal labor contract with a term of 12 months or above.

Business experience
Having at least 2 years of business experience for customers being business owners or using part of revenues from business operations to repay loans.

Incomes
At least VND 10 million per month.

Credit history
Having no bad debts to VIB and other banks  in the last 2 years.

Conditions for collaterals

For ownership and land use right-certified houses and land
The facades equal or exceed 2 meters and 3 meters for urban and suburban respectively.
The areas equal or exceed 20 square meters and 30 square meters for urban and suburban respectively.

For ownership certified apartments
The apartment areas equal or exceed 30 square meters and 50 square meters for urban and suburban respectively.

For ownership and land use right-uncertified apartments and land
In business deal with investors who are our business partners.
Customers borrowing to construct or repair that property.

For land use right-certified mixed land
The remaining useful time of the nonresidential land part equals or exceeds 10 years.
The accesses to the land are 3 meters or above wide.

For transport vehicles
Accept vehicles with brands from developed countries. View here.

For valuable papers
Savings books, deposit certificates, deposit agreements and deposit account balances at VIB.
Bills, bonds and papers issued by VIB.