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Features
Features

Loan value and loan term

The loan value is up to 75% of the collateral value and loan term is up to 6 years.

 

Method of repayment

The amount paid in each time depending flexibly on customer financial capacity: paying principle monthly or quarterly; paying interest monthly.

Interest rate: VIB is currently offering many attractive preferential interest rates

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 for borrowers
Conditions for borrowers

Conditions for personal customers

1.  Personal customers

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...

2. Mirco business customers

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.

Collateral

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 cost for your loan
Estimated cost for your 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
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Warning

Warning

Invalid configuration found. Contact the administrator.

 
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