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LOANS
Attention
-
Bank
for Foreign Trade of Vietnam is of ability to meet fund’s demands of
customers (being individuals, representatives of households,
representatives of cooperatives).
-
Simple and convenient lending procedures.
-
Competitive and attractive lending interest rates.
-
The
Bank has well-trained, flexible and enthusiastic staff.
Objects of loan
·
For business purposes including
- For development of family’s
prosperity
- For implementing plans of manufacture and business to serve daily life
·
For
consumption
- For purchasing of consumption goods,
housework facilities, transport means (motobike, automobile …), living
house/land…
- Unsecured lending to employees.
(Loans in foreign currencies must be in accordance with the existing
regulation oN forex management.)
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Requirements of
loan:
1. The borrower shall have legal
competence and civil obligation
1.1 Individuals: Vietnamese citizens from 18 years old or more who
are not limited or not loosing civil behavior as stipulated in Article
24, 25 of Civil Law.;
1.2 Representative of household: shall have full legal ability and
civil act ability.
1.3 Representative of cooperative housholds: shall have full legal
ability and civil act ability.
2. The borrower shall have legal utility purpose of the loan.
3. The borrower shall have financial ability to assure repayment as
committed
• The borrowers shall have income resource to make sure of the
repayment when the loan comes due.
4. The borrowers shall observe loan guaranty procedures in line
with the Bank’s regulation. Loan security properties include:
- Valuable papers of high liquidity
- Land-use right and house: which are commercially valuable and has
adequate possession documents stipulated by the laws;
- Vehicles: automobiles, motorbikes, vessels…
- Precious metals and gemstones.
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Manners of making
loans:
Loan by time:
Whenever you have fund demand, you shall fill in the loan application file
as stipulated.
Loan by installment
payment:
The Bank and the customer shall calculate and agree in advance the total
interest and principal in order to divide evenly for payment in
installment in loan period.
Loans with mortgage of
passbooks, promissory notes, other commercial papers issued by the Bank
and other credit institutions:
Loans are made to customers being eligible owners of those documents.
Other retail Loans
Lending interest
rates:
- for loans in VND (in
accordance with existing lending rates table in VND announced in various
periods)
- for loans in foreign currencies (in accordance with existing lending
rates table in foreign currencies announced in various periods).
- in order to know current lending interest of the Bank, please refer to
Service Fee. Click here”.
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Loan Application
file:
-
When
the customer has fund demand, it is required to provide the Bank with
relevant and necessary information, documents as follows:
1.
Loan application form and repayment schedule prepared by the customer
(in form):
In case of loans for
improvement of family prosperity, investment or realisation of manufacture
and business, services plan: loan application form shall clarify plans or
business plan and repayment schedule; in case of loans for serving daily
private life: loan application form shall clarify loan using objective and
repayment schedule to the Bank.
2.
Identification Card (ID card)
3.
File
of loan security (commercial papers for mortgaged loans), guaranty;
guarantee letter by the third party in compliance with stipulations of the
State Bank of Vietnam and the Bank (in original copies);
4.
Other documents related to the purpose of the loan (if available or
supplied later).
5. In case of
unsecured lending to employees, certification of employers (fill in form)
and Employment contract are required.
Related documentation:
- Decision No. 02/QD-NHNT.HDQT dated 30 Dec2000 of Board of Directors on
Loans to customers as individuals, households and cooperatives.
- Decision No. 284/2000/QD-NHNN1 dated 25 Aug2000 of the Governor of the
State Bank of Vietnam.
- Documents on determination of loan guaranty of the SBV and Vietcombank.
For further information,
please contact:
Hanoi:
·
Credit Department-
Vietcombank Operations
Center
Address: 198 Tran Quang
Khai, Hoan Kiem Dist, Hanoi
Tel: (04) 8 243 523 – 9
342 194
·
Project Investment Department
– Vietcombank (for medium and long term loans).
Address: 198 Tran Quang
Khai, Hoan Kiem Dist, Hanoi
Tel: (04) 8 249 743 - 8
249 744
·
Credit Department-
Vietcombank’s Hanoi Branch
Address: 78 Nguyen Du,
Hoan Kiem Dist, Hanoi
Tel: (04) 8 227 361 – 9
420 858
(or at Sub-Branches in
Hanoi)
Hai Phong
·
Credit Department
– Vietcombank’s Hai Phong Branch
Address: 11 Hoang Dieu,
Hai Phong
Province
Tel: (31) 822 247 – 841
723
(or at Sub-Branches in
Hai Phong)
Quang Ninh
·
Credit Department-
Vietcombank’s Quang Ninh Branch
Address: 172 Le Thanh
Tong – Ha Long – Quang
Ninh
Province
Tel: (33) 825 737
Thai Binh
·
Credit Department-
Vietcombank’s Thai Binh Branch
Address: 6 Le Loi – Thai Binh
Province
Tel: (36) 836 996
Vinh
·
Credit Department-
Vietcombank’s Vinh Branch
Address: 9 Nguyen Sy
Sach, Vinh
City
Tel: (38) 842 031 – 840
032
Ha Tinh
·
Credit Department-
Vietcombank’s Ha Tinh Branch
Address: 6 Phan Dinh
Phung- Ha Tinh
Province
Tel: (39) 856 775
Hue
·
Credit Department-
Vietcombank’s Hue Branch
Address: 78 Hung Vuong,
Hue
City
Tel: (54) 846 058 – 824
571
Da Nang
·
Credit Department-
Vietcombank’s Danang Branch
Address: 140 Le Loi, Da
Nang
Tel: (511) 835 102 – 825
957
Quang Ngai
·
Credit Department-
Vietcombank’s Quang Ngai Branch
Address: 345 Hung Vuong –
Quang Ngai
Tel: (055) 825 430
Quy Nhon
·
Credit Department-
Vietcombank’s Quy Nhon Branch
Address: 152 Le Loi, Quy Nhon
City
Tel: (56) 828 633 – 822
408
Nha Trang
·
Credit Department-
Vietcombank’s Nha Trang Branch
Address: 17 Quang Trung –
Nha Trang
City
Tel: (58) 821 054- 816
039
Dac Lac
·
Credit Department-
Vietcombank’s Dac Lac Branch
Address: 121-123
Yjut-Buon Ma Thuot-
Dac
Lac
Province
Tel: (50) 813 018 – 858
000
Binh Duong
·
Credit Department-
Vietcombank’s Binh Duong Branch
Address: Phu Loi-Phu Hoa-Thu
Dau Mot-Binh Duong
Province
Tel: (065) 831 224- 831
225
Vung Tau
·
Credit Department-
Vietcombank’s Vung Tau Branch
Address: 27-29 Tran Hung Dao-
Ba Ria- Vung
Tau
Province
Tel: (64) 850 353 –810
057
An Giang
·
Credit Department-
Vietcombank’s An Giang Branch
Address: 1 Hung Vuong-
Long Xuyen- An Giang Province
Tel: (76) 843 589- 843
590
Binh Tay
·
Credit Department-
Vietcombank’s Binh Tay Branch
Address: 129A Hau Giang-
Dist. 6- Ho Chi Minh City
Tel: (08) 9600 483 – 9
602 003
Dong Nai
·
Credit Department-
Vietcombank’s Dong Nai Branch
Address: 77c Hung Dao
Vuong- Bien Hoa –Dong
Nai
Province
Tel: (61) 819 771 –827
942
Tan Thuan
·
Credit Department
– Vietcombank’s Tan Thuan Branch
Address: Tan Thuan EPZ –
Nha Be Dist, Ho Chi Minh City
Tel: (08) 7 700 179
Kien Giang
·
Credit Department-
Vietcombank’s Kien Giang Branch
Address: 2 Mac Cuu- Rach
Gia- Kien Giang Province
Tel: (77) 863 427 –870
496
Ho Chi Minh City
·
Credit Department-
Vietcombank’s Ho Chi Minh City Branch
Address: 29 Ben Chuong
Duong, Ho Chi Minh City
Tel: (08) 8 297 247 –8
293 098
Can Tho
·
Credit Department-
Vietcombank’s Can Tho Branch
Address: 7 Hoa Binh- Can
Tho Province
Tel: (71) 820 499 –820
445
Ca Mau
·
Credit Department-
Vietcombank’s Ca Mau Branch
Address: 4 :Lac Long
Quan, Ca Mau Province
Tel: (780) 835 028 –836
141
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2001 IT Center of Vietcombank.
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