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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.

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 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.

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
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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