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Features
Features

Loan value and loan term

Loan amount up to 80% car value and loan tenor up to 8 years

Method of repayment

Principal: monthly or quarterly
Interest:  monthly

Interest rate

VIB is currently offering many attractive preferential interest rates.

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5 simple steps to apply
5 simple steps to apply
  • 1

    Study on the suitable lending program

  • 2

    Prepare the necessary documents & complete borrowing procedures

  • 3

    Obtain information on borrowing approval

  • 4

    Corporate with bank to complete the necessary procedures

  • 5

    Receive the disbursement

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Conditions
Conditions

Conditions for borrowers

Nationality
Vietnamese

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

Credit history:
There is no CAT 2 at time of application and no CAT 3-5 within last 2 years

Income:
At least 10 million/month (if the loan has  only 1 payer) or at least 12 million/month (if the loan has at least 2 payers)

Payment resource: 
From salary, house/car rental, business...
 

Conditions for collaterals

The collateral is vehicle:

  • Loan to value: Up to 80%
  • Insurance of car amount: At least 120% multiply by loan amount, maintaining during the loan period

The collateral is valued papers issued by VIB.

The collateral is Mortgage which has red book. 

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Estimated costs for auto loan
Estimated costs for auto loan
  • Consultant fee: Free
  • Insurance for car: About 1.5% multiply by 120% x Loan amount
  • Evaluation fee of collateral being a new car: Free of charge.
  • Registration fee for guarantee transaction : 80.000 VND
  • Overdue interest rate: 150% of the interest rate in the loan contract
  • Early repayment fee: Depending on specific preferring package
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What you need to know?
What you need to know?
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FAQs
FAQs
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Warning

Warning

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