Overdraft limit usage across multi-channels
Customers can use overdraft limit through transaction counters, VCB Digibank, ATM, POS,…
Collateral
No collateral needed
Convenient and quick procedures
Simple procedures, free consultation, 24/7 support

Product information

Conditions
Documents required
Loan Process and Repayment Schedule
Fees

Applicant eligibility

  • Vietnamese citizens aged 18 years or older
  • Meet Vietcombank’s Priority customer criteria
  • Meet Vietcombank’s credit approval requirements
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Loan type

Overdraft (Customers are allowed to spend more than the available balance in their payment account)
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Loan terms

Applicant personal identity

  • Valid Citizen Identification Card (CCCD) or equivalent legal documents of the Customer
  • Marriage Certificate / Certificate of Single Status
  • Customer’s Residency Records / Information
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Loan Purpose Documentation

As guided by Vietcombank
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Financial Capability and Debt Repayment Source Documentation

As guided by Vietcombank
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Capital utilisation plan

As per Vietcombank prescribed forms/templates
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Other documents

As guided by Vietcombank
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Loan process

  • Step 1:The customer receives consultation on loan conditions and required documents.
  • Step 2:The customer prepares and submits the application as per the guidelines.
  • Step 3:Vietcombank conducts an appraisal and notifies the customer of the approval result.
  • Step 4:The customer and Vietcombank sign the loan agreement.
  • Step 5: The customer actively utilizes the overdraft limit through Vietcombank's transaction channels (VCB Digibank, branch counters, etc.).
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Repayment schedule

  • Principal Repayment Term: At the end of the loan term
  • Interest Repayment Term: Monthly
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Prepayment Fee

  • 1.

    Tại sao thẻ tín dụng không thanh toán được?

  • 2.

    Thẻ tín dụng Vietcombank có rút tiền được không?

  • 3.

    Tại sao không kích hoạt được thẻ tín dụng Vietcombank?

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