Các sản phẩm cho vay tiêu dùng có bảo đảm

7/31/2019 Cc sn phm cho vay tiu dng c bo m

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Ngn hng ACB Ngn Hng BIDV Ngn Hng VCB

I. Vay mua nh t

Vay mua nh - t l sn phm tndng nhm h tr ngun vn gipkhch hng c nhu cu mua nh, cnh, t th c , lm a im snxut kinh doanh, trng trt, chn nui,

1. c tnh sn phm: S tin vay: ty theo gi tr

mua thc t/gi tr ti sn bom.

Loi tin vay: VND. Thi gian vay: ti a ln n

120 thng (10 nm). Li sut cnh tranh tnh trn

d n thc t (d n gimdn).

Phng thc gii ngn linhhot, c th gii ngn mt lnhoc nhiu ln theo tin thanh ton thc t.

Phng thc tr n: li tr

hng thng2. i tng khch hng: Khch hng l c nhn, h gia

nh ngi Vit Nam, VitKiu c php mua nh/tti Vit Nam.

tui t 18 tr ln.3. H s vay vn: Giy ngh vay vn (theo

mu ca ACB). CMND, H khu/KT3 ca

ngi vay v ngi bo lnh(nu c). Giy t lin quan n nh/t

d nh mua v ti sn thchp.

Chng t chng minh ngunthu nhp: Hp ng lao ng,Xc nhn lng, Hp ngcho thu nh, thu xe, giy

Vay Mua nhCho vay h tr nhu cu nh lsn phm BIDV ti tr vn mua nh , t , xy dng nh mi, ci to nh , sa chanh .

1.c tnh sn phm:

Li sut cnh tranh, litnh trn d n gim dn

Mc cho vay c th lnn 100% gi tr ti snbo m

Thi hn cho vay ti aln n 20 nm.

Phng thc tr n:Tr (gc + li) nh khng thngTr gc nh k, li trhng thng

- Bo m tin vay: tisn hnh thnh t vnvay, hoc ti sn bom khc ca khchhng hoc ca bn thba, hoc kt hp cchnh thc bo m.

2. iu kin ng kvay Mua Nh tiBIDV:

C nhn ngi VitNam/nc ngoi; tui t18 n 55.

Sinh sng/thng xuyn

CHO VAY MUA NH D

Sn phm cho vay mua nh dn ca Vietcombank s gip bc th s hu ngay cn nh mc vi s tin vay ti a lnn 100% gi tr ngi nh v cth tr n dn trong thi gian a l 20 nm

1. Tnh nng sn phm

Gi tr khon vay ln

n 70% gi tr ngi nnu c bo m bnchnh ngi nh nhmua; v ln n 100%gi tr ngi nh nuc bo m bng tsn khc.

Thi gian hon trkhon vay ln n 20nm.

p lc tr n gc tron

thi gian u thp vicc la chn hnh thctr n vn vay ph hpmc thu nhp thc t(tr gp hoc tr dn)

Th tc cho vay nhanhchng, thun tin

Li sut vay cnh tranhgim dn theo d nthc t.

2. iu kin s dng

C nhn c nhu cu vavn mua nh ti ccd n c tha thun htc vi Vietcombank

C thu nhp thngxuyn hng thng t 0


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php kinh doanh, ca ngivay v ngi cng tr n (nuc).

lm vic trn cng abn Chi nhnh cho vay

C thu nhp n nh,m bo kh nng tr n

C ti sn bo m phhp vi cc quy nh caBIDV

3. H s ng k vaymua nh ti BIDV:

Giy ngh vay vnkim phng n tr nvay theo mu ca BIDV.

CMTND ca khchhng, S h khu/S tmtr.

Giy ng k kt hnhoc giy xc nhn cthn.

Ti liu chng minhngun thu nhp trn.

Ti liu lin quan tinh, t cn mua, xydng, sa cha.

Ti liu lin quan ti tisn bo m.

triu ng tr ln.

3. H s ng k

Hp ng mua bn nhk vi ch u t d

CMND/h chiu, S hkhu/Giy chng nhntm tr ca bn hoc cbn th ba c ti sn bm cho khon vay.

Giy ngh vay vnmua nh d n (theomu)

Giy t chng minh thnhp

Giy t v ti sn bo

m
http://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20nha%20du%20an.pdf


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II. Vay xy dng sacha nh t

Vay xy dng sa, cha nh l snphm tn dng nhm h tr ngun vn

gip khch hng xy dng, sa cha,trang tr ni tht cn nh hoclm a im sn xut kinh doanh,

1. c tnh sn phm: S tin vay: ty theo gi tr d

ton cng trnh v ti sn bom.

Loi tin vay: VND. Thi hn vay: Xy dng nh: ti a ln n

120 thng (10 nm)

Sa cha nh: ti a ln n84 thng (7 nm). Li sut cnh tranh tnh trn


Phng thc gii ngn linhhot, c th gii ngn mt lnhoc nhiu ln theo tin thicng thc t.

Phng thc tr n: li trhng thng v

- Vn tr gp u; hoc

- Vn tr gp bc thang.

2. i tng khch hng: Khch hng l c nhn, h gia

nh ngi Vit Nam v VitKiu c s hu nh ti VitNam.

tui t 18 tr ln.

3. iu kin vay: C ngun thu nhp n nh v kh nng tr n cho khonvay t cc ngun sau: lng,sn xut kinh doanh, cho thunh/t hoc xe, gp vn, ctc.

C ti sn th chp: c nh/tthuc s hu ca khch hng


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hoc ca ngi thn trong gianh.

4. H s vay vn: Giy ngh vay vn (theo

mu ca ACB). CMND, h khu/KT3 ca

ngi vay v ngi bo lnh(nu c).

Giy t lin quan n vic xydng, sa cha v ti sn thchp.

Chng t chng minh ngunthu nhp.

III. VAY MUA CN HCC D N BTNG SN TH

CHP BNG CN HMUA

1. c tnh sn phm: Mua cn h ti cc d n Bt

ng sn (BS) m ACB chp tc, bao gm: HngVng Plaza, Saigon Pearl,


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The Everrich II, ThePlemington, L Thnh-Khu Bv Chung c An Sng.

Loi tin cho vay: VND. Thi hn vay: ti a ln n

120 thng (10 nm). Mc cho vay: ti a 70% tr

gi cn h mua. Li sut cnh tranh tnh trn


Phng thc gii ngn: giingn mt hoc nhiu ln,chuyn khon trc tip chocng ty ch u t d n.


- Vn tr gp u; hoc;

- Vn tr gp bc thang.


nh ngi Vit Nam v VitKiu c s hu nh ti VitNam.

tui t 18 tr ln.

3. iu kin vay: C ngun thu nhp n nh v

kh nng tr n cho khonvay t cc ngun sau: lng,sn xut kinh doanh, cho thunh/t hoc xe, gp vn, ctc.

C ti sn th chp:

- Chnh cn h mua; hoc

- Nh/t khc thuc s huca khch hng hoc cangi thn trong gia nh.


mu ca ACB). CMND, h khu/KT3 ca

ngi vay v ngi bo lnh


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(nu c). Hp ng mua bn cn h,

bin lai ng tin, Chng t chng minh ngun

thu nhp.

IV. VAY TIU DNGC TI SN BOM

Vay tiu dng c ti sn bo m lsn phm tn dng nhm h tr ngunti chnh gip khch hng linh hot vch ng hn trong cc nhu cu sinh

hot tiu dng ca c nhn v gia nhnh: mua sm vt dng gia nh, hctp, du lch, khm cha bnh v ccnhu cu thit yu khc trong cucsng.

1. c tnh sn phm: S tin vay linh hot, ty theo

nhu cu thc t v kh nngchng minh mc ch s dngvn vay.




Phng thc gii ngn linhhot, c th gii ngn mt lnhoc nhiu ln theo nhu cu sdng vn thc t.


hng thng v

- Vn tr gp u hng thng;hoc

- Vn tr gp bc thang hngthng.

2. i tng khch hng:


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Khch hng l c nhn, h gianh ngi Vit Nam.

tui t 18 tr ln.3. iu kin vay: C ngun thu nhp n nh v

kh nng tr n cho khon

vay t cc ngun sau: lng,sn xut kinh doanh, cho thunh/t hoc xe, gp vn, ctc.

C ti sn th chp: bt ngsn (nh/t), chng t c gi, ca khch hng hoc cangi thn trong gia nh.

C mc ch s dng vn phcv cho nhu cu tiu dng hpphp.




Chng t lin quan n mcch vay.

Chng t lin quan n ti snth chp.

Chng t chng minh ngunthu nhp: Hp ng lao ng,Xc nhn lng, Hp ngcho thu nh, thu xe, giyphp kinh doanh, ca ngivay v ngi cng tr n (nuc).

V. DCH V H TRTI CHNH DU HC

Dch v h tr ti chnh duhc lsn phm tn dng dnh cho khchhng c nhn c nhu cu h tr tichnh lm th tc xin xt cp Visav/hoc thanh ton chi ph du hccng cc chi ph pht sinh trong thigian du hc.

Dch v H tr ti chnh du hc ca


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ACB bao gm:

- Pht hnh Hp ng tn dng hnmc.

- M th tit kim/ti khon v xcnhn s d th tit kim/ti khon.

- Pht hnh giy chng nhn nh gibt ng sn.

- Cho vay thanh ton chi ph du hc.

- Dch v chuyn tin thanh ton chiph du hc.

- Th tn dng, th thanh ton.

1. c tnh sn phm: S tin vay: ln n 100% chi

ph ca du hc sinh hoc tytheo nhu cu, mc ch vayvn ca Qu khch.




Phng thc gii ngn linhhot, c th gii ngn mt lnhoc nhiu ln theo tin thanh ton thc t.


- Vn tr gp u; hoc

- Vn tr gp bc thang


nh ngi Vit Nam l thnnhn ca du hc sinh.

tui t 18 tr ln.


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kh nng tr n cho khonvay t cc ngun sau: lng,sn xut kinh doanh, cho thunh/t hoc xe, gp vn, c

tc. C ti sn th chp: bt ng

sn (nh/t) hoc chng t cgi ca khch hng hoc cangi thn trong gia nh.




Chng t chng minh quan hthn nhn vi du hc sinh.

Chng t lin quan n mcch vay.

Chng t lin quan n ti snth chp.

Chng t chng minh ngunthu nhp: Hp ng lao ng,Xc nhn lng, Hp ngcho thu nh, thu xe, giy

php kinh doanh, ca ngivay v ngi cng tr n (nuc).

VI. VAY MUA XE T

Vay mua xe t l sn phm tn dngnhm h tr ngun ti chnh gipkhch hng c nhu cu mua xe tphc v nhu cu i li v/hoc kt hpvi kinh doanh/cho thu (nu c).

1. c tnh sn phm: S tin vay: ln n 70% gi

tr xe t mua. Loi tin vay: VND. Thi gian vay: ti a ln n


d n thc t (d n gim

VAY MUA XET

Vay mua t l sn phm png nhu cu s hu xe hi cakhch hng c nhn, h gia

nh thng qua vic h trngun vn cho khch hng muaxe.

Li ch dnh cho khch hng:

Mc cho vay ln (ti a95% gi tr xe mua)

VAY MUA XET

1. Tnh nng sn phm

Gi tr khon vay lnn 80% gi tr chic xnu c bo m bnchnh chic xe bn nmua v ln n 100%gi tr xe nu c bom bng ti sn khc


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dn). Phng thc gii ngn linh

hot, c th gii ngn mt lnhoc nhiu ln theo tin thanh ton thc t.


hng thng v

- Vn tr gp u; hoc

Vn tr gp bc thang.

2. i tng khch hng: Khch hng c nhn, h gia

nh ngi Vit Nam. tui t 18 tr ln.

Yu cu i vi xe mua:

Xe mi 100%. Loi xe mua:

- Xe hi n 16 ch ngi.

- Xe bn ti n 04 ch ngi.

- Xe ti c ti trng n 2,5tn.

Xe mua c giy t hp l vthc hin th tc chuynnhng theo quy nh caphp lut.


kh nng tr n cho khonvay t cc ngun sau: lng,sn xut kinh doanh, cho thunh/t hoc xe, gp vn, c

tc. C ti sn th chp:

- Xe mua; hoc

- Bt ng sn (nh/t),chng t c gi ca khchhng hoc ca ngi thntrong gia nh.

Thi hn vay ti a: 5 nm Ti sn m bo linh hot:

- Chic xe mua- Ti sn khc thuc s hu

ca khch hng hoc bn th ba

c t vn bi i ng cnb chuyn nghip, nhit tnh

iu kin ng k vay muat ti BIDV:

i tng khch hng:

- C nhn ngi Vit

Nam/nc ngoi

- H gia nh

Mt s iu kin c bn khivay vn:

- Sinh sng/thng xuyn lmvic trn cng a bn Chinhnh cho vay

- ng tn s hu xe mua

- C thu nhp n nh, mbo kh nng tr n

- C ti sn m bo ph hpvi cc quy nh ca BIDV

H s ng k:

Giy ngh vay vn (theo

mu ca BIDV)

S h khu/KT3/S tmtr/Giy chng nhn tnh trnghn nhn

Ti liu chng minh ngunthu nhp

Thi gian hon trkhon vay ln n 05nm.

p lc tr n gc tronthi gian u thp vicc la chn hnh thc

tr n vn vay ph hpmc thu nhp thc t(tr gp hoc tr dn)

Th tc cho vay nhanhchng, thun tin

Li sut cnh tranh,gim dn theo d nthc t.

Nhiu tin ch u itng ng vi cc hnvay Chun, Vng, Bc

Kim

2. iu kin s dng

C nhn trong tui 25-30

C thu nhp thngxuyn hng thng t 0triu ng tr ln.

3. H s ng k

Hp ng mua bn t CMND/h chiu, S h

khu/Giy chng nhntm tr ca bn hoc cbn th ba c ti sn bm cho khon vay.

Giy ngh vay vnmua t (theo mu)

Giy t chng minh thnhp

Giy t v ti sn bom
http://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20oto.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20oto.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20oto.pdfhttp://www.vietcombank.com.vn/Personal/Documents/Giay%20de%20nghi%20vay%20von%20mua%20oto.pdf


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mu ca ACB). CMND, h khu/ KT3 ca


Chng t lin quan n xemua v ti sn th chp.

Chng t chng minh ngun thunhp: Hp ng lao ng, Xc nhnlng, Hp ng cho thu nh, thuxe, giy php kinh doanh, cangi vay v ngi cng tr n (nuc).

Ti liu lin quan n xevay mua

nh gi, so snh chung:

1. Cc sn phm ca ACB kh a dng, vic phn chia cc snphm ra c th s ph hp vi nhu cu ngi vay vn.

Sn phm cho vay lin quan n BS

u im

Sn phm cho vay tiu dung:

u im:

Sn phm cho vay du hc:

u im:

2.