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Features
Features

Loan values and tenor

The loan values can be up to 100% and 80% tuition fees and living expenses for overseas and domestic study, respectively and The loan tenor is up to 10 years.

The repayment method

The loans are repaid in installments flexibly depending on your financial capability: The principals are paid every month, every quarter or every 6 months and the interests are paid monthly.

Interest rate

VIB is currently offering many attractive preferential interest rates.

5 easy steps to apply
5 easy steps to apply
  • 1

    Learn about loan programs suitable to individual needs

  • 2

    Prepare necessary documents to complete lending procedures

  • 3

    Receive the loan approval

  • 4

    Coordinate with the Bank to complete necessary legal procedures

  • 5

    Get disbursement

Conditions
Conditions

Conditions for borrowers

Eligible customers

Relatives of student (grandparents; parents; adoptive parents; uncles; siblings; spouse; parents in law) or student.
Do not apply for student if it is international study loan.

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

Working experience
If collateral is real-estate: working in the recent unit for a minimum of 04 months; having formal labor contracts with a term of 12 months or above; or
If collaterals is other assets: Having at least 2 years of working experience; working in the recent unit for a minimum of 06 months; having formal labor contracts with a term of 12 months or above.

Business experience
Having at least 2 years of business experience for customers being business owners or using part of revenues from business operations to repay loans.

Incomes
At least VND 10 million per month for borrowers and joint responsible persons.

Credit history
Having no bad debts to VIB and other banks  in the last 2 years

 

Conditions for collaterals

For ownership and land use right-certified houses and land
The facades equal or exceed 2 meters and 3 meters for urban and suburban, respectively.
The areas equal or exceed 20 square meters and 30 square meters for urban and suburban, respectively.

For ownership certified apartments 
The apartment areas equal or exceed 30 square meters and 50 square meters for urban and suburban, respectively.

For land use right-certified mixed land
The remaining time of use of the nonresidential land part equals or exceeds 10 years.
The accesses to the land are 3 meters wide or above.

For transport vehicles
Accept vehicles with brands from developed countries. View here.

For valuable papers
Savings books, deposit certificates, deposit agreements and deposit account balances at VIB.
Bills, bonds and papers issued by VIB.

Estimated cost for your student loan
Estimated cost for your student loan
  • Appraisal fee : From around VND 1,200,000;
  • Collateral notary fee:  Around 0.1% of the contract price;
  • Guarantee transaction registration fee: VND 80,000;
  • Overdue repayment interest: 150% of the interest rate in the loan contract;
  • Early repayment fee: Depend on VIB's regulation/ specific promotion packages.
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

List of documents

Read necessary documents for your oversea study loan

READ MORE
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