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Up to 80% car value, but not exceed 75% the value of collateral and Up to 5 years
Principal: monthly or quarterly
Interest: monthly
VIB is currently offering many attractive preferential interest rates. View details here.
Study on the suitable lending program
Prepare the necessary documents & complete borrowing procedures
Obtain information on borrowing approval
Corporate with bank to complete the necessary procedures
Receive the disbursement
1. Individual customer
Nationality
Vietnamese and foreigners reside in Vietnam
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...
2. Micro SME customer
Target customer
Domestic Corporate (except FDI) has Revenue of Financial statements in previous year/ 12 previous months < 20bn VND/p.a and Total assets of Financial Reports in previous year < 20bn VND (for manufacturing enterprises) or < 10bn VND (for service/trade enterprises).
Time of business activity
At least 1 year
Credit history
There is no CAT 2 at time of application and no CAT 3-5 within last 2 years
The profit of customer is above zero in a previous year.
The collateral is vehicle:
The collateral is valued papers issued by VIB.
The collateral is Mortgage which has red book.
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