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Features
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.

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

Conditions
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 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. 

Estimated costs for auto loan
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
Personal loan calculator

Personal loan calculator

Monthly income
Monthly expenses
Loan term
Interest rate
* This tool is use for reference only.
You may be able to borrow up to
760,500,000 VNĐ
Loan amount
Loan term
Interest rate
Repayment method
* This tool is use for reference only.
1st month payment at 13.99%
76,500,000 VNĐ
See monthly breakdown
Total payment
760,500,000 VNĐ
Total interest paid
10,200,000 VNĐ
What you need to know?
What you need to know?
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