Maximum loan amount
According to the policy applied to each customer segment
Interest rates
Attractive an Competitive interest rates
Collateral
Collateral

Product information

Conditions
Applications
Process & Payment date
Forms

Applicant eligibility

  • Vietnamese citizens aged 18 years and over
  • Term of labor contract: 01 year or longer; Indefinite – term labor contract
  • Salary (after tax): VND 7 mil. Per month (exempted to customer whose salary paid by State Budget)
  • Customers adapt VCB’s credit approval requirements.


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Loan method

  • Single loan
  • Overdraft (Customers are allowed to spend more than the available balance in their payment account).
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Maximum loan term

  • Single loan: 84 months
  • Overdraft: 12 months.
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Proof of identity

  • ID Card/Passport
  • Residence information
  • Marriage Certificate/Single Certificate
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Proof of loan purpose and income

As Vietcombank’s instruction

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Loan application

Vietcombank’s form

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Other documents

Based on Vietcombank’s instruction
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Loan application process

Step 1: Receive consultation on loan conditions and required documents
Step 2: Prepare and submit the application as instructed.
Step 3: Vietcombank conducts evaluation and notifies the approval result
Step 4: Customers and Vietcombank sign the loan contract
Step 5: Disbursement/ Customers proactively use overdraft limits through VCB’s transaction channels (Digibank, at the transaction counter,…..)

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Repayment date

- Principal payment:

Single loan: monthly payment

Overddraft: End-of-term payment

- Interest payment: monthly paymen
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Loan estimate

amount you want to borrow
VND
Interest rate
%/Year
Number of loan months
Month
Disbursement date

Amount to be paid

Loan method
--
Monthly payment amount
0 VND
Total principal payable
0 VND
Total interest payable
0 VND

Total amount to pay
0 VND

Note: Calculation results are for reference only

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FAQs

  • 1. Can salaries paid through other banks be used to obtain unsecured loan at Vietcombank?
  • 2. Does the time working at current agency include the probationary period?
  • 3. Will I have to pay additional costs such as collection fees, verification fees?
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