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Service Features

-          Collateral-free lending;

-          Overdraft limit of up to 3-times your monthly salary (to a maximum of VND50 billion);

-          Lending terms up to 12 months;

-          Interest rate applied on a daily basis;

-          Use of a VIB Values Card.

Conditions for borrowers

A Borrower must:

-          Has residency in a location with a VIB branch.

-          Be employed by:

P       Government administration units

P       Enterprises listed on securities transaction centers

P       Enterprises operating in the following fields: finance, insurance, banking, airlines, oil & gas, posts & telecommunications, health, or electricity;

-          Has been working with current employer for at least 12 months;

-          Has been employed with his/her current employer under an open-ended term labor contract or a fixed term labor contract with the remaining term exceeding the loan term;

-          Has an account at VIB Bank for receiving monthly salary;

-          Earns a monthly salary of at least VND2 million if working for a Government administration unit or VND3 million if working for other companies;

Necessary documents

-          ID card or passport;

-          Completed VIB Bank application form;

-          Permanent or temporary residential certificate;

-          Labor contract, pay-slip, and three latest salary account statements.