Product's detail
This product is aimed for the purpose of living, personal and family life.
Benefits
Competitive & attractive interest rate
Quick and convenient lending procedures.
Lending amount is up to 100% of the customers’ reasonable demands.
Conditions
1. Borrow for personal and family living purposes.
2. Have a feasible consumer loan plan.
3. Have sources of repayment satisfying the lending conditions
4. Have collaterals for the loan as real estate
5. No bad debt at VRB and other credit institutions within 02 years.
6. No overdue debt at VRB
Procedures
Required documents
Legal documents
The notarized version with the term no more than 6 months photocopy in comparison with the original documents:
a) Valid identity card/ passport/ identification of the customer.
b) Permanent household registration/ KT3 or current residence confirmation.
c) Papers proving the marital status:
+ Bachelorhood certificate (if not married);
+ Marital certificate or other papers proving the marital status.
d) Valid identity card/passport/ identification of the customer’s spouse if the customer is married.
e) To foreign customers: Valid passport, work permit and proof of residency in Vietnam.
Loan documents
- The loan using plan (according to VRB’s form);
- Documents evidencing the purpose of using capital.
Dossier of financial ability
a) Documents proving income from salary:
+ Statement of income account within the last 3 months or confirmation of salary of the working unit if receiving salary in cash (original);
+ Labor contract, appointment decision, salary increase (if any) (the photocopy in comparison with the original);
b) Documents evidencing income from business activities: The photocopy in comparison with the original documents:
+ Purchase contract, financial invoice or retail invoice;
+ Book revenues and expenditures or cash statement in the case of business owner, retail invoice / receipt;
+ Contract for renting house / means of transport ...
c) Documents evidencing the lawful income from other sources.
Security asset documents
Originals of documents of proving of legal assets ownership of customer/third party in accordance with the VRB’s security transaction regulation.
Loan approval documents
Credit contract, collateral contract (using VRB's common contract template) and documents related to loan approval.
Calculation
Monthly repayment plan
This tool is used for reference
Apply
Contact
Please contact VRB for more details:
- Hotline (free): 1800 6656
- Email: contact_vrb@vrbank.com.vn