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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

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 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 75%
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

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?

List of document

Danh muc ho so_UC.pdf (application/pdf 39 KB)

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FAQs

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