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Value Paper Loan

A convenient financing solution designed to support your personal and everyday financial needs

Register now
Register now
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Key features

Fast disbursement

Simple application process, quick approval and funding

Keep earning interest

Your deposit continues earning interest

Competitive rates

Enjoy attractive loan rates with your deposit as collateral

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Optimal Financial Solution

Term Deposit Information
VND
10.000.000 VND 10.000.000.000+ VND
%
1% 20%
Withdrawal demand
VND
1.000.000 VND 10.000.000.000+ đ

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Product details

Eligible customers

Vietnamese residents with full legal capacity and civil act capacity in accordance with applicable laws

Maximum loan amount

Up to 100% of the pledged deposit value

Loan interest rate

Subject to VIB's prevailing regulations from time to time.

Repayment method

Principal and interest are payable in a lump sum at loan maturity

Collateral

Deposit certificates issued by VIB

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Loan Application Guide

1
Select "Value Paper Loan" on MyVIB
Download the MyVIB app from the App Store or Google Play
Download now
2
Enter your loan request
Select the deposit to be pledged and enter your desired loan amount
3
Sign digitally and receive disbursement
Complete the digital signature process and receive your loan online
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FAQs  link

How much can I borrow?
You can borrow from VND 10 million up to 100% of the pledged deposit value, subject to VIB's terms and conditions in effect from time to time.
What are the eligibility requirements?
To apply for a Value Paper Loan, you must: - Be a Vietnamese citizen aged 18 or above - Be the owner of a deposit maintained with VIB - Hold a VIB current account - Have completed biometric authentication on the MyVIB app
What can be used as collateral?
Eligible collateral includes deposit contracts, savings books, or certificates of deposit issued by VIB in the customer's name and meeting VIB's pledge requirements.
How is the loan disbursed and repaid?
The loan proceeds are disbursed to your VIB current account or in cash, subject to VIB's regulations. Principal and interest are repaid in full at loan maturity, with interest calculated based on the actual number of borrowing days.
What is the loan tenor?
The minimum loan tenor is 3 days, and the maximum tenor is the remaining term of the pledged deposit, up to 36 months.

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Call 1900 2200

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