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Loan mount and loan tenor

Up to 80% financial need and not exceed 1 billion vnd/loan and up to 8 years 

Repayment method

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 of customer


From 18 to 70 years old until the maturity period of loans

Credit history
There is no balance CAT 2 at time of application and no CAT 3-5 within last 2 years

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 valued papers issued by VIB.
The collateral is vehicle
The collateral is Mortgage which has red book. 

Estimated costs
Estimated costs
  • Consultant fee: Free
  • Evaluation fee of collateral:  1.500.000 vnd per Collacteral
  • Collateral notarial fee:  Around 0.1% of the contract value
  • 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?
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