File Dao Tao BDSND 10.05.2016

7/25/2019 File Dao Tao BDSND 10.05.2016

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3/80

Ph Quc l o ln nht Vit Nam vi din tch 593.05 km2. S hu nhng bi bin hoang s yquyn r vi rn san h rc r sc mu cng rng nguyn sinh nm trong khu d ch sinh quynth gi, Ph Quc mang nhng v p hoang s b n m khng ni no snh c. Nhn thytim nng du lch bt tn ca o ngc, ngy 5/10/2014 th tng CP ph duyt n pht trinPQ thnh trung tm du lch, ngh dng, giao thng quc t, hin i. T c 136 d n ctrin khai vi tng din tch 5.110 ha, tng vn ng k hn 161.000 t ng. trong gn 8 t USDang vo bt ng sn ngh dng Ph Quc. c bit n c khu kinh t Ph Quc angc trnh ln B Chnh Tr xem xt ph duyt.

c bnh chn l mt trong 29 vnh p nht hnh tinh, vi bi ct tri di m trn b vnhnh ngc. Nha Trang thu ht du lch bng v p thun khit ca bin v tri. i thm : ThPonagar, vnh Vn Phong, sui Hoa Lan, o Kh, v.v... Hay khm ph i dng vi cc trln bin ngm san h, d bay, kayak, cano nc,v.v... L iu m ai cng phi th khi mt lvi Nha Trang. Cng chnh v vy m Nha Trang lun l mt trong nhng im n hot nhnc vi cng sut phng lun t mc cao.


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L mt trong nhng thnh ph ng sng nht Vit Nam, Nng l mt thnh ph tr nng ngv l trung tm ca con ng di sn min trung vi nhiu im n ni ting nh: B N Ni ChaBn o Sn Tr Thnh a M Sn Ph c Hi An Ng Hnh Sn C Hu, v.v... Nng cns hu mt trong 6 bi bin p nht hnh tinh. Vi tt c nhng l do Nng ang l imn l tng nht ca du khch trong v ngoi nc.


5/80

c bit n nh mt xu hng u t mi trn th gii, BS ngh dng em li mt i mi an ton v hiu qu cho cc nh u t chuyn nghip. BS ngh dng l nhng ckhch sn (Condotel) v bit th bin siu sang to lc ti nhng v tr c a nht ca nhndanh du lch ni ting. Ch nhn ca BS ngh dng khng mua m u t sinh li tcho nhng thng hiu hng u v khch sn thu li v vn hnh, khai thc.

CN H KHCH SN CONDOTEBIT TH BIN


6/80

L mt hnh thc bit th sang trng, to lc ti nhng b bin p nht ca nhng khu du lcting th gii. Bit th bin l hnh thc ngh dng sang trng, ca nhng bc thng lu vht bit th bin cn l mt trong nhng knh u t an ton v c t sut sinh li cao nht hinNgoi vic s hu mt ngi nh th 2 ni m c gia nh c th tn hng nhng giy phthi bn nhng bi bin p nht hnh tinh th ch nhn ca bit th cn c th nhn c nkhon li nhun u n sinh ra t chng trnh k gi k ngh m khng phi lo lng v smn v c bo dng thng xuyn.


7/80

L mt trong nhng hnh thc u t sinh li cao v an ton, Condotel l s kt hp hon ho cn h v khch sn. Condotel l mt khch sn c bit bi mi phng trong u c chhu ring tuy nhin c vn hnh, khai thc, qun l v bo dng bi mt n v qun l ksn uy tn. Cng ging nh bit th bin ch nhn ca cc cn h khch sn s khng phi lov vic vn hnh v bo dng cn h m thay vo s c hng khon li nhun thu t chng trnh k gi k ngh vi mc li sut cao v u n.


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Gi vng th gii sau mt thp k tng gi th ang c xu hng chng li. Li xut tin gi hng s c gim dn theo chnh sch ca nh nc khi Vit Nam ra nhp TPP, AFTA. N27/09/15, NHNN h li sut gi USD ca t chc xung cn 0%, c nhn xung 0.25%, ban hquyt nh 15 v tip tc bn USD ra th trng khin cho knh u t USD khng cn l an ton v hiu qu. Trong khi gi bt ng sn ang tng mnh m tr li, giao dch v gitc tng mnh trong nm 2015, d bo s tng tip trong nm 2016. Do vy u t BS anknh u t an ton v hiu qu nht.

Hin ti gi BS ngh dng ca tp on Vingroup ang l thp nht so vi cc sn phm phn khc trn th gii. Do vy BS ngh dng ca tp on Vingroup s c trin vng tnmnh trong thi gian sp ti.

Khi s hu BS ngh dng ca Vingroup, ngoi vic nhn c li nhun u n v n nh,

khch hng cn c s hu k ngh 15 m/nm trong 10 nm trn ton b h thng ca Vinpearlvi tng gi tr ln n 3 t 7trm 50 triu ng.


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Chng trnh k gi k ngh cho php ch s hu bt ng sn ngh dng yn tm k gsn ca mnh cho qun l khu ngh dng cho thu li;

Ch s hu c quyn s dng ti sn ca mnh trong mt khong thi gian c nh ngthu c mt phn li nhun nh vo vic cho thu. n v qun l/ch s hu khu ngh ds cho thu li bit th/cn h nh l mt sn phm ca khu ngh dng


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1. Thng thng khu BSND cao cp thng gn lin vi cc thng hiuni ting trn th gii

2. Xu hng trin khai chng trnh trao i k ngh time share trn tonh thng

3. Tn dng c cc a im du lch ngh dng c trng, khch hng cth ty thch la chn ngh dng theo mong mun ca mnh v thi giannht nh c sp xp trc

4. Ti Vit Nam thng hiu Vinpearl l mt trong nhng thng hiu vkhch sn ngh dng hng u, khch hng mua sn phm Vinpearl Re-sort & Villas s hon ton yn tm v nhng li th vt tri ca thnghiu Vinpearl mang li

5. Thng hiu l s bo m cho chng trnh thu nhp cho thu6. T hp khch sn s c cc chi ph hp l, cng sut phng, gi phng

bnh qun tt, c qun l chung theo h thng7. Thng hiu mnh v pht trin theo chui s hng ton b li ch theo

chui khi s hu mt bit th8. Cc cam kt ca ch s hu bit th khi mua trong mt thng hiu danh

ting chnh l cam kt m bo ln nht v tt c cc quyn li h cnhn.

LI TCTIT KIM

Li sut huy ng VND 5.8-6 %/nmGp 02 ln li sut

gi tin VND

SO SNH

CHCC 5 t VN v cho thu 15.000.000/thng =>T l li sut:

Mc cam kt linhun 85/15, 85% linhun thuc v ch

s hu bit th, camkt ti thiu 10%/

nm trong vng 10nm.

RI ROKINH DOANH

Khng th lp y cng sut 100%Mt thi gian/ chi ph tip tc tm kim

khch hng cho thu

Vinpearl m bo linhun kinh doanhbit th cho khchhng trong vng 10

nm

BO TR 16.5 m2 19.3 m2

GI TRSAU 10 NM

Cn h c kh nng b xung cpLm pht mt gi, do gi tr bt ng sn

bng tin VN

Vn m bo tiuchun 5 sao ca

Vinpearl.m bo gi tr btng sn, do gi tr

bng USD

15.000.000x12x100%= 3.8%

5.000.000.000


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Nm 2015 l mt nm chng kin nhiucn sng thn mang tn Vingroup vi nhng con s k lc

G iao dc h t ng 6 l n t heo nm Gi ao dc h t ng 900% ln t heo nmGiao dch tng 33 ln theo nm

Uy tn ca ch u t l yu t ti quan trng quyt nh u t vo mt d n BS, bi ch cnhng ch u t c tim lc mnh mi c th em n cho bn s an tm tuyt i v m bosinh li ti a cho bn. Vi cht lng ng cp c th hin qua tng sn phm, cng vi tin thi cng thn tc ch u t Vingroup lun l s la chn hng u cho nhng nh kinh doanhthng thi.

Vingroup lun pht trin sn phm ca mnh theo m hnh qun th a chc nng, ni m bnkhng ch mua 1 cn bit th hay cn h m cn mua c mt mi trng sng trong lnh vi nhiut hp tin ch ng b v hon ho nh trng hc, bnh vin, khu vui chi, trung tm thngmi, khch sn...Cng v l cc sn phm BS ca Vingroup lun gi gi v tng gi theo thi gian bt chp sbin ng ca th trng.


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1. BS ngh dng l knh u t sinh li cao nht, an ton nht2. Chnh sch ng s hu gip nhiu ngi cng tham gia u t vng tn trong hp ng.

3. Chnh sch vay 65% cho php bn u t BS ngh dng ch vis vn 2 t ng.

4. BS ngh ng ca Vingroup to lc ti nhng bi bin p nhthnh tinh.

5. Ch u t uy tn nht trong lnh vc BS6. BS ngh dng ca tp on Vingroup c u t v qun l bi

Vinpearl, mt trong nhng h thng khch sn c cng sut phngcao nht v c tha hng trn vn tin ch 5 sao ca h thng

7. Sn phm c bo tr thng xuyn do vy lun m bo tiuchun 5 sao trn i.

8. Cc sn phm BS ngh dng ca tp on Vingroup lun adng v p ng mi nhu cu u t ca khch hng

9. Cc sn phm BS ngh dng c t vn thit k bi cc n vhng u th gii nh EDSA, FSC... Do vy mi sn phm l mtkit tc kin trc m vn m bo cng nng s dng mt cch tiu

10. Khi s hu BS ngh dng ca Vingroup khch hng s ctng 15 m ngh/nm trong vng 10 nm ti villas trn h thngca Vinpearl

11. Tin bn giao ng cam kt chnh l li ha t tp on Vingroupti qu khch hng.

12. Vi nhiu li th v thin nhin, c hi v k vng tng gi ca BSngh dng ti VN l chc chn.

13. BS ngh dng m bo c tnh an ton v sinh li n nhkhng ch cho khch hng m cn cho th h tng li

1. Mua sn phm u t khng phi m l u t2. Mua sn phm c thng hiu CT uy tn3. L ti sn dnh cho th h tng li4. C khon tin thu thu nhp u n v an ton hng nm5. K vng tng gi tr gp nhiu ln6. Nhu cu ngh dng, ti cn bng li nng lng

7. V tr c a ti nhng khu du lch ni ting8. Chi ph mua (iu khon thanh ton, tin xy dng)


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SO SNHVinpearl Resort &

Villas

Premier Village Ocean Villa Hyatt

HNH NH

CT Vingroup Sun Group Vina Capital Indochina Land

KEY INDICATORS

VN U T &1000 - &2000 mil $65 mil $130 mil $110 mil

CNG SUT PHNG Ln n 98% 60% 60% 65%

QUY M D N &MT XY DNG

- Sn golf- Vinpearl Land- Khu bit th

Khu bit th Khu bit th Khu bit th

CHIA S K NGH

Chui Vinpearl 8%bng USD trong

10 nm

Duy nht dn N 9% tinVND trong 10nm, 5% tinUSD 85/15

Duy nhtDuy nht

CAM KT THUNHP

Khng camkt

Khng cam kt

T L PHN CHIA 85/15 85/15 65/35 50/50


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- Trong trng hp khng c Cn htrng ti thi im ng ChCn hc thc quy i sphng ngca Cn htsphng tng ng trong hthng khch sn Vinpearl.

In case of no available condotel at the time of registration; thecondotel Owner can be converted the number of bedrooms ofcondotel to the number of equivalent rooms in the Vinpearl hosystem.

- Khch hng/khch mi ca Khch hng c trao i cc

nghti cc khch sn trong hthng Vinpearl.Clients/guests of Clients have the right to exchange of the nigin the Vinpearl hotel systems.

2. TIN THANH TON V THTC / PAYMENT PROGRESS AND PROCEDURES

TIN /THTCPROGRESS/PROCEDURES

THI HNDURATION

KThtc t ccSigning Deposit Procedure

Ti thi i m t cc: 200.000.000 ng/cn (t cc ln 1)At the time of Deposit: 200,000,000 dong/condotel (1stdeposit)

t cc ln 22ndDeposit

15% Gi Bn (cha gm VAT) ( bao gm tin cc ln 1) trong v15 ngy ktngy t cc.15% of the Price (VAT excluded) (including the 1 stdeposit) within

days of the 1stdeposit

KHp ng mua bnSale Contract

Dkin Q3/2016 (thng 9/2016)Expected at 3rdquarter of 2016

Ln 11

stinstallment

30% Gi Bn (gm VAT) ( bao gm tin cc) ngay khi kHMB30% of the Price (VAT included) (including deposit) upon signing t

Sale Contract

Ln 22

ndinstallment

10% Gi Bn (gm VAT) vo ngy 15/12/201610%of the Price (VAT included) on 15/12/2016

Ln 33rdinstallment

10% Gi Bn ( gm VAT) vo ngy 15/4/201710% of the Price (VAT included) on 15/4/3017

Ln 44thinstallment


Ln 55thinstallment


Ln 66thinstallment

25% Gi Bn ( gm VAT) v VAT ca 05% gi Cn hkhi nhn thng bo bn giao nh (dkin 30/4/2018)25% of the Price (VAT included) and VAT of 05% of the Price whe

receiving handover notice (expected on 30/4/2018)

Ln 77th installment

05% Gi Bn (khng gm VAT) khi nhn shng05% of the Price (VAT excluded) when receiving ownership certific

--- p dng tngy 12/04/2016 /Applied from 12/04/2016 ---

Dn / Project: - VINPEARL RIVERFRONT CONDOTEL NG QUYN NNG

1. CHNG TRNH CAM KT CHO THU / RENTAL COMMITMENT PROGRAM

STTNO.

U IPREFERENCES

CHI TI TDETAILS

1

Cam kt thu nhp tCHNG TRNH

CHO THU (CTCT)Income

Commitment from

RENTAL PROGRAM

(RP)

- Mc cam kt Thu nhp tin thu:Khch hng c nhn 85%li nhun tCTCTnhng khng thp hn 10%gi trcn h(khng gm VAT)/nm

The rate of rental income commitment: Clients receive 85%of profits from RP which at least equals to 10% of thecondotel price (excluding VAT) / year (

- Thi gian cam kt:5 nm ktngy khch thanh ton 100%gi trCn htrc VAT v VAT n hn ti tng thi im.

Commitment time: 5 years from the date of payment 100% of thecondotel price (excluded VAT) and VAT of all installmentscalculating up to at the time of payment

- iu kin thanh ton: Chu tbt u thanh ton Thu nhptin thu cam kt khi Khch hng thanh ton 100% gi trCnhtrc VAT v VAT n hn ti tng thi im(khng phthuc vo thi m kHMB)

Payment condition: Developer starts paying rental incomecommitment when the Client fully pays 100% of the Condotel

price (excluded VAT) and VAT of all installments calculating up toat the time of payment (without distinguishing the signing date ofthe Sale Contract)

- Kthanh ton: Ku tin sau 6 thng ktngy iu kin.Cc ktip theo 06 thng/lnPayment period: the first payment shall be made after 6 monthsfrom the date of fulfillment of the payment conditions. The next

payments shall be made every 06 months

2

Quyn li Khchhng khi tham giaCTCTRights of Clients

while participating

RP

- Sdng 15 m min ph ktngy khch thanh ton 100%gi trCn htrc VAT v VAT ca tt ccc t thanh tontnh n thi im thanh ton

Using 15 free nights (condotel nights / year) from the payment

date of 100% of the villa price (VAT excluded) and VAT of allinstallments calculating up to the time of payment by Clients


15/80

Ti khon nhn thanh tonTn ti khon: Cng Ty TNHH Riverview Complex NngSti khon: 12310000600654 Ngn hng BIDV chi nhnh Quang TrungSti khon: 19028689216016 Ngn hng Techcombank Nng

3. CHNH SCH U I TI CHNH (Ngn hng cho vay Techcombank-TCB) / FINANCIALPREFERENTIAL POLICY (Techcombank-TCB)

CHNH SCH/ POLICYThi gian vayLoan term

Ti thi u 5 nm, ti a 20 nmMinimum 5 years, maximum 20 years

TlvayLoan rate(*)

65% gi bn Cn h(gm VAT)65% of Condotel price (VAT included)

Thi gian htrli sutTime of interest ratesupport

12 thng k tngy gi i ngn12 months as from the date of the loan disbursement

Li sut trong thi gianhtrli sutInterest rate during timeof interest rate support

Khch hng chi tr: 0% / Clients pay: 0%CT chi tr: 7,72% / Developer pays: 7.72%Ngoi thi gian htrli sut, khch hng chi trtheo li sut ca ngnhng ti tng thi imClients pay interest applicable to the loan in accordance with the banksregulations from time to time after the time of interest rate support

n hn ngc(ktngygii ngn u tin ca ngnhng)

Grace period for principal(as from the firstdisbursement date of theloan)

12 thng ktngy gii ngn u tin

12 months from the first disbursement date of the loan

Ph tr n trc hntrong thi gian htrlisutFee for premature

payment of the loanduring the time ofinterest rate support

Khch hng chi tr: 0% / Clients pay: 0%CT chi tr: 2,5% / Developer pays: 2,5%Ngoi thi gian h tr li sut, khch hng chi tr theo quy nh cangn hng ti tng thi im / Clients pay fee for premature payment ofthe loan in accordance with the banks regulations from time to time afterthe time of interest rate support.

a im giao dch/ Transaction place TP H Ni: Trung tm hi nghQuc TAlmaz, Vinhomes Riverside, Long Bin, H ni

Hanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, Hanoi TP HCh Minh: Sn giao d ch bt ng sn Vinhomes, 208 ng Nguyn Hu Cnh,

phng 22, Qun Bnh Thnh, TP HCh MinhHo Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh Street,Ward 22, Binh Thanh District, Ho Chi Minh City


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- Trong trng hp khng c Cn htrng ti thi im ng Ch bit th c th c quy i s phng ng ca Cn h thnh s phng tng ng trong h thng khch sn Vinp

In case of no available condotel at the time of registration; thecondotel Owner can be converted the number of bedrooms ocondotel to the number of equivalent rooms in the Vinpearl hosystem.

- Khch hng/khch mi ca Khch hng c trao i cc ngh ti cc khch sn trong h thng Vinpearl.

Clients/guests of Clients have the right to exchange of the nigin the Vinpearl hotel systems.

2. TIN THANH TON V TH TC / PAYMENT PROGRESS AND PROCEDURES2.1. Vinpearl Condotel Nha Trang Le Thanh Ton

TI N /TH TCPROGRESS/PROCEDURES

THI HNDURATION

K Tha thun t ccSigning Deposit Agreement

Ti thi im t cc: 200.000.000 ng/cnAt the time of Deposit: 200,000,000 Dong/condotel

t cc ln 22ndDeposit

10% Gi Bn (cha gm VAT) ( bao gm tin ccln 1)trong v15 ngy k t ngy t cc.10% of the Price (VAT excluded) (including the 1stdeposit) within


t cc ln 33rdDeposit

05% Gi Bn (cha gm VAT) vo ngy 15/4/201605% of the Price (VAT excluded) on 15/4/2016

K Hp ng mua bnSale Contract

D kin Q2/2016 (thng 6/2016)Expected at 2ndquarter of 2016

Ln 11stinstallment

30% Gi Bn (gm VAT) ( bao gm tin cc)ngay khi k HMB30% of the Price (VAT included) (including deposit) upon signing t

Sale Contract

Ln 22ndinstallment

10% Gi Bn (gm VAT) vo ngy15/11/201610%of the Price (VAT included) on 15/11/2016

Ln 33rdinstallment

10% GiBn ( gm VAT) vo ngy 15/3/201710% of the Price (VAT included) on 15/3/3017

Ln 44thinstallment


Ln 55thinstallment

10%Gi Bn ( gm VAT) vo ngy 15/9/201710% of the Price (VAT included) on 15/9/2017

Ln 66thinstallment

25%Gi Bn ( gm VAT) v VAT ca 05% gi Cn h khi nhnthng bo bn giao nh(d kin 15/12/2017)25% of the Price (VAT included) and VAT of 05% of the Price whe

receiving handover notice (expected on 15/12/2017)

---p dng t ngy 24/02/2016/Applied from 24/02/2016 ---

D n/ Project: VINPEARL EMPIRE CONDOTEL


STTNO.

U IPREFERENCES

CHI TI TDETAILS

1

Cam kt thu nhp tCHNG TRNHCHO THU (CTCT)

IncomeCommitment from

RENTAL PROGRAM

(RP)

- Mc cam kt Thu nhp tin thu:Khch hng c nhn 85%li nhun t CTCTnhng khng thp hn 10%gi tr cn h(khng gm VAT)/nm

The rate of rental income commitment: Clients receive 85%of profits from RP which at least equals to 10% of thecondotel price (excluding VAT) / year (

- Thi gian cam kt:5nm kt ngy khch thanh ton 100%gi tr Cn htrc VAT v VAT n hn ti tng thi im.

Commitment time: 5 years from the date of payment 100% of thecondotel price (excluded VAT) and VAT of all installmentscalculating up to at the time of payment

-

iu kin thanh ton: Ch u t bt u thanh ton Thu nhptin thu cam kt khi Khch hng thanh ton 100% gi tr Cnhtrc VAT v VAT n hn ti tng thi im (khng phthuc vo thi m k HMB)

Payment condition: Developer starts paying rental incomecommitment when the Client fully pays 100% of the Condotel

price (excluded VAT) and VAT of all installments calculating up toat the time of payment (without distinguishing the signing date ofthe Sale Contract)

- K thanh ton: K u tin sau 6 thng k t ngy iu kin.Cc k tip theo 06 thng/lnPayment period: the first payment shall be made after 6 monthsfrom the date of fulfillment of the payment conditions. The next


2


while participating

RP

-

S dng 15 m minph k t ngy khch thanh ton 100%gi tr Cn htrc VAT v VAT ca tt c cc t thanh tontnh n thi imthanh ton

Using 15 free nights (condotel nights / year) from the paymentdate of 100% of the villa price (VAT excluded) and VAT of allinstallments calculating up to the time of payment by Clients


17/80

Ln 77th installment

05% GiBn (khng gm VAT) khi nhn s hng05% of the Price (VAT excluded) when receiving ownership certificate

2.2. Ti khon nhn thanh tonTnti khon: Cng ty C phn Vinpearl

S ti khon: 19124412488018

Ngn hng Techcombank Hi s chnh

a im giao dch/ Transaction place TP H Ni: Trung tm hi ngh Quc T Almaz, Vinhomes Riverside, Long Bin, H ni

Hanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, Hanoi TP H Ch Minh: Sn giao dch bt ng sn Vinhomes, 208 ng Nguyn Hu Cnh,

phng 22, Qun Bnh Thnh, TP H Ch MinhHo Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh Street,Ward 22, Binh Thanh District, Ho Chi Minh City


18/80


D n/ Project: VINPEARL NHA TRANG BAY RESORT & VILLASVINPEARL GOLF LAND RESORT & VILLASVINPEARL PH QUC RESORT & VILLAS

VINPEARL NNG RESORT & VILLAS

1. CHNG TRNH CAM KT CHO THU/ RENTAL COMMITMENT PROGRAM

STTNO.

U IPREFERENCES

CHI TI TDETAILS

1

Cam kt thu nhpt CHNGTRNH CHO THU(CTCT)Income

Commitment from

RENTAL

PROGRAM (RP)

- Mc cam kt Thunhp tin thu:Khch hng c nh85% li nhun t CTCTnhng khng thp hn 8%gibit th (khng gm VAT)/nm(m bo gi tr theo UShoc 10%gi tr bit th (khng gm VAT)/nm(m bgi tr theo VND)The rate of rental income commitment: Clients receive 8of profits from RP which at least equals to 8% of the vprice (excluding VAT) / year (guaranteed value in USD)

10% of the villa price (excluding VAT) / year (guarantevalue in VND)

- Thi gian cam kt: 10 nm k t ngy khch thanh to100% gi tr Bit th trc VAT v VAT n hn ti tng tim.Commitment time: 10 years from the date of payment 100of the villa price (excluded VAT) and VAT of all installmencalculating up to at the time of payment

- iu kin thanh ton:Ch u t bt u thanh ton Tnhp tin thu cam kt khi Khch hng thanh ton 10gi tr Bit th trc VAT v VAT n hn ti tng thi i(khng ph thuc vo thi m k HMB)Payment condition: Developer starts paying rental incocommitment when the Client fully pays 100% of the villa pr(excluded VAT) and VAT of all installments calculating up

at the time of payment (without distinguishing the signdate of the Sale Contract)

- K thanh ton: K u tin sau 6 thng k t ngy kin. Cc k tip theo 06 thng/lnPayment period: the first payment shall be made after


19/80

15%of the Villa Price (inclusive VAT) within 60 days after 1st

installment

Ln 33rdinstallment

20% GiBn BT ( gm VAT) trong vng 75ngy k t ngy thton ln 220% of the Villa Price (inclusive VAT) within 75 days after 2nd

installment

Ln 4

4thinstallment

20%Gi Bn BT ( gm VAT) trong vng 75ngy k t ngy th

ton ln 3

20% of the Villa Price (inclusive VAT) within 75 days after 3 rd

installment

Ln 55thinstallment

25% Gi Bn BT (g m VAT) v VAT ca 05% gi BT khi nhnc thng bo bn giao nh25%of the Villa Price (inclusive VAT) and VAT of 05% of the V

Price when receiving handover notice

Ln 66th installment

05%Gi Bn BT (khng gm VAT) khi nhn s hng05% of the Villa Price (exclusive VAT) when receiving ownersh

certificate

2.2. Vinpearl Golf Land Resort & Villas

TIN /TH TCPROGRESS/PROCEDUR

ES

THI HNDURATION

K Tha thun t ccSigning Deposit

Agreement

Ti thi im t cc 500.000.000 ng/BTAt the time of Deposit: 500,000,000 Dong/Villa

t cc ln 22ndDeposit

15% Gi Bn BT(cha g m VAT) trong vng 15 ngy k t ngt cc ( bao gm tin cc ln u 500.000.000 ng).15% of Villa Price (exclusive VAT) within 15 days of the 1stdep

(including the 1stdeposit of 500,000,000)

K Hp ng mua bnSign Sale Contract

D kin Qu IV/2015Expected at 4thquarter of 2015

Ln 11stinstallment

30%Gi Bn BT (g m VAT) ngay khi k HMB ( bao g m tit cc).30% of the Villa Price (inclusive VAT since signing the Sale

Contract (including Deposit)

Ln 22ndinstallment

20% Gi Bn BT (gm VAT) trong vng 75ngy k t ngy kHMB20% of the Villa Price (inclusive VAT) within 75 days after 1st

months from the date of fulfillment of the payment conditions.The next payments shall be made every 06 months

2


while participating

RP

- S dng 2 m min ph ti Khch sn Vinpearl (2 roomnights) sau khi khch k TTC v 15 m min ph (Villanights / year) k t ngykhch thanh ton 100% gi trBit th trc VAT v VAT ca tt c cc t thanh ton tnhn thi im thanh tonUsing 2 free room nights at Vinpearl (2 room nights) after

signing Deposit Agreement and 15 free nights (villa nights /year) from the payment date of 100% of the villa price (VATexcluded) and VAT of all installments calculating up to thetime of payment by Clients

- Trong trng hp khng c Bit th trng ti thi im ngk, Ch bit th c th c quy i s phng ng ca Bitth thnh s phng tng ng trong h thng khch snVinpearl.In case of no available villa at the time of registration; the villaOwner can be converted the number of bedrooms of the villato the number of equivalent rooms in the Vinpearl hotelsystem.

- Khch hng/khch mi ca Khch hng c trao i ccm ngh ti cc khch sn trong h thng Vinpearl.Clients/guests of Clients have the right to exchange of the

nights in the Vinpearl hotel systems.

2. TIN THANH TON V TH TC / PAYMENT PROGRESS AND PROCEDURES2.1. Vinpearl Nha Trang Bay Resort & Villas/ Vinpearl Phu Quoc Resort & Villas/ Vinpearl

Da Nang Resort & Villas

TI N /TH TCPROGRESS/PROCEDUR

ES

THI HNDURATION

K Tha thun t ccSigning Deposit

Agreement

Ti thi im t cc: 500.000.000 ng/BT (t cc ln 1) At the time of Deposit: 500,000,000 Dong/Villa (1stDeposit)

Ln 1

1st

installment

15% Gi Bn BT (g mVAT) ngay khi k HMB (Trong vng 15ngyk t ngy t cc ( bao gm tin cc) )

15% of the Villa Price (inclusive VAT) upon signing the SaleContract(Within 15 days after making deposit (including deposit))Ln 2

2ndinstallment

15% Gi Bn BT (gm VAT) trong vng 60 ngy k t ngy kHMB


20/80

support Clients pay interest applicable to the loan in accordance with banks regulations from time to time after the time of interest rsupport

n hn n g c (k tngy gii ngn u tinca ngn hng)Grace period forprincipal (as from the

first disbursement dateof the loan)

12 thng k t ngy gii ngn u tin


Ph tr n trc hntrong thi gian h trli sutFee for prematurepayment of the loanduring the time ofinterest rate support

Khch hng chi tr: 0% / Clients pay: 0%CT chi tr: 2% / Developer pays: 2%Ngoi thi gianh tr li sut, khch hng chi tr theo quy ca ngn hng ti tng thi im / Clients pay fee for prematpayment of the loan in accordance with the banks regulations frtime to time after the time of interest rate support

a im giao dch/ Transaction place TP H Ni: Trung tm hi ngh Quc T Almaz, Vinhomes Riverside, Long Bin, H

niHanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, H

TP H Ch Minh: Sn giao dch bt ng sn Vinhomes, 208 ng Nguyn Hu

Cnh, phng 22, Qun Bnh Thnh, TP H Ch MinhHo Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh StWard 22, Binh Thanh District, Ho Chi Minh City

installment

Ln 33rd installment

20%Gi Bn BT (g m VAT) trong vng 75ngy k t ngy thanhton ln 220%of Villa Price (inclusive VAT) within 75 days after 2nd

installment

Ln 4

4th installment

25% Gi Bn BT (g m VAT) v VAT ca 05% gi BT khi nhn

c thng bo bn giao nh

25% of the Villa Price (inclusive VAT) and VAT of 05% of the Villa

Price when receiving handover notice

Ln 55th installment

05%GiBn BT (khng g m VAT) khi nhn s h ng05% of the Villa Price (exclusive VAT) when receiving ownership

certificate

3. CHNH SCH BN HNG / Sales policy

La chn 1/Option 1:Chitkhu 05% vo gi bn Bit th cha gm VAT.Discounted 05% of the villa price (VAT excluded)La chn 2/Option2:Khon cam kt tin thu CT vn tr cho khch hng sau 06 thng k t ngy gii ngn choCT, ng thi bn pha TCB s phong ta khon tin ny v cho php Khch hng gi s titkim phong ta ti TCB hng li n khi Khch hng tr gc k u tinThe committed rental income is still paid by the Developer to the Clients after 06 months asfrom the date the Clients make full payment to the Developer. At the same time, TCB willblockade this amount and the Clients are entitled to receive saving interest on the blockadedamount until the Clients pay the first installment of the principal

CHNH S CH/ POLICYThi gian vayLoan term

T i th i u 5 nm, t i a 20 nmMinimum 5 years, maximum 20 years

T l vayLoan rate(*)

65% gi bn Bit th (g m VAT)65% of Villa price (VAT included)

Thi gian h tr lisutTime of interest ratesupport

12 thng k t ngy gii ngn12 months as from the date of the loan disbursement

Li su t trong thigian h tr li sutInterest rate duringtime of interest rate

Khch hng chi tr: 0% / Clients pay: 0%CT chi tr: 6,99% / Developer pays: 6.99%Ngoi thi gian h tr li sut, khch hng chi tr theo li sut cangn hng ti tng thi im


21/80


D n/ Project: VINPEARL PH QUC RESORT & VILLAS3/VINPEARL NNG RESORT & VILLAS 2 /VINPEARL PH QUC RESORT& VILLAS 4


STTNO.

U I/PREFERENCES

CHI TIT/ DETAILS

1

Cam kt thu nhp tCHNG TRNHCHO THU (CTCT)Income

Commitment from

the RENTAL

PROGRAM (RP)

- Mc cam kt Thu nhp tin thu:Khch hng c nhn 85%li nhun t CTCTnhng khng thp hn 10%gi tr bit th(khng gm VAT)/nm.

The rate of rental income commitment: Clients receive 85%of profit from the RP which at least equals to 10% of the vilprice (excluding VAT) / year.

- Thi gian cam kt:10 nm kt ngy khch thanh ton 100%gi tr Bit th trc VAT v VAT ca tt c cc t thanh ton

tnh n thi im

thanh ton.Commitment time: 10years from the payment date of 100%of the villa price (VAT excluded ) and VAT of all installmentcalculating up to the time of payment by Clients

- iu kin thanh ton: Ch u t bt u thanh ton Thu nhptin thu cam kt khi Khch hng thanh ton 100% gi tr Bith trc VAT v VAT ca tt c cc t thanh ton tnh n thimthanh ton (khng ph thuc vo thi m k HMB)

Payment condition: Developer starts paying the committed rentaincome when the Clients fully pay 100% of the villa price (VATexcluded) and VAT of all installments calculating up to the time o

payment (without distinguishing the signing date of the SaleContract)

- K thanh ton: K u tin sau 6 thng k t ngy iu kinCc k tip theo 06 thng/lnPayment period: the first payment shall be made after 6 monthsfrom the date of fulfillment of the payment condition. The next



22/80

Ln 22ndinstallment

20% GiBn BT (gm VAT) trong vng 60 ngy k t ngy k HM20% of the Villa Price (VAT included) within 60 days from the signing

date of the Sale Contract

Ln 33rdinstallment

20% Gi Bn BT (gm VAT) trong vng 120 ngy k t ngy k HM20% of the Villa Price (VAT included) within 120 days from the signin


Ln 4

4th installment

25% Gi Bn BT (gm VAT) v VAT ca 05% gi BT khi nhn cthng bo bn giao nh

25% of the Villa Price (VAT included) and VAT of 05% of the Villa Priwhen receiving handover notice

Ln 55thinstallment

05%Gi BnBT (khng gm VAT)khi nhn s hng05% of the Villa Price (VAT excluded) when receiving the villa

ownership certificate

VINPEARL PH QUC RESORT & VILLAS 4 TI N /TH TCPROGRESS/PROCEDURES

THI HNDURATION


Ti thi im t cc: 500.000.000 ng/BT (t cc ln 1)At the time of Deposit: 500,000,000 Dong/Villa (1stDeposit)

Ln 11stinstallment

15% Gi Bn BT (cha gm VAT) bao gm tin cctrong vng 15ngy k t ngy k TTC15% of the Villa Price (VAT excluded) including deposit within 15 dayfrom the signing date of the Deposit Agreement


D kin Qu II-Qu III/2016Expected from the 2nd3rdquarter of 2016

Ln 11stinstallment

30% Gi Bn BT(gm VAT) gm tin cc c a Ln 1 theo TTCngay khik HMB30%of the Villa Price (VAT included) including deposit at the 1 st

installment of the Deposit Agreement upon signing the Sale Contract

Ln 22ndinstallment

20% GiBn BT (gm VAT) trong vng 60 ngy k t ngy k HM20% of the Villa Price (VAT included) within 60 days from the signing


Ln 33rdinstallment

20% Gi Bn BT (gm VAT) trong vng 120 ngy kt ngy k HM20% of the Villa Price (VAT included) within 120 days from the signin


Ln 44th installment

25% Gi Bn BT (gm VAT) v VAT c a 05% gi BTkhi nhn cthng bo bn giao nh25% of the Villa Price (VAT included) and VAT of 05% of the Villa Pri

when receiving handover notice

2


while participating

the RP

- S dng 2 m min ph ti Khch sn Vinpearl (2 roomnights) sau khi khch k TTC v 15 m min ph (Villanights / year)k t ngy khch thanh ton 100% gi tr Bitth trc VAT v VAT ca tt c cc t thanh ton tnh n thiimthanh ton

Using 2 free room nights at Vinpearl (2 room nights) after signingDeposit Agreement and 15 free nights (villa nights / year) fromthe payment date of 100% of the villa price (VAT excluded) and

VAT of all installments calculating up to the time of payment byClients

- Trong trng hp khng c Bit th trng ti thi im ng k,Ch bit th c th c quy i s phng ng ca Bit ththnh s phng tng ng trong h thng khch sn Vinpearl.

In case of no available villa at the time of registration, the villaOwner is entitled to convert the number of bedrooms of the villato the equivalent rooms in the Vinpearl hotel system.

- Khch hng/khch mi ca Khch hng c trao i cc mngh ti cc khch sn trong h thng Vinpearl.

Clients/guests of Clients are entitled to exchange of the villanights in the Vinpearl hotel systems.

2. TIN THANH TONV TH TC/ PAYMENT PROGRESS AND PROCEDURESVINPEARL PH QUC RESORT & VILLAS3 /VINPEARL NNG RESORT & VILLAS 2/


THI HNDURATION


Ti thi i m t cc: 500.000.000 ng/BT (t cc ln 1)At the time of Deposit: 500,000,000 Dong/Villa (1stDeposit)

Ln 11stinstallment

15% Gi Bn BT (cha gmVAT) bao gm tin cctrong vng 15ngyk t ngy k TTC15% of the Villa Price (VAT excluded) including deposit within 15 days

from the signing date of the Deposit Agreement


D kin Qu I/2016Expected at 1stquarter of 2016

Ln 11stinstallment

30% Gi Bn BT(gm VAT) gm tin cc ca Ln 1 theo TTCngay khik HMB30%of the Villa Price (VAT included) including deposit at the 1st

installment of the Deposit Agreement upon signing the Sale Contract


23/80

5. CHNG TRNH U I C BIT DNH CHO KHCH HNG MUA BIT TH VINPEPH QUC RESORT & VILLAS 4N HT NGY 15/12/2015 / PREFERENTIAL PROGFOR CLIENTS PURCHASING VINPEARL PH QUC RESORT & VILLAS 4 TILL 15/12/

(Khng p dng ng thi vi chnhsch u i ti chnh) / (Not applied simultaneouslfinancial preferential policy)

- Chit khu 05% vo gi bn Bit th cha gm VAT.Discounted 05% of the villa price (VAT excluded)

a im giao dch/ Transaction place TP H Ni: Trung tm hingh Quc T Almaz, Vinhomes Riverside, Long Bin, H ni

Hanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, Hanoi

TP H Ch Minh: Sn giao dch bt ng sn Vinhomes, 208 ng Nguyn Hu Cnh,phng 22, Qun Bnh Thnh, TP H Ch MinhHo Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh Street, W22, Binh Thanh District, Ho Chi Minh City

Ln 55thinstallment

05%Gi BnBT (khng gm VAT) khi nhn s hng05% of the Villa Price (VAT excluded) when receiving the villa

ownership certificate

3. Tng th VIP Vingroup vi nhiu quyn li khi s dng cc sn phm, dch v ca tp onVingroup / Receive VIP card for preferential rights in using products and services of Vingroup.

4. CHNH SCH U I TI CHNH (Ngn hng cho vay Techcombank-TCB) /FINANCIAL PREFERENTIAL POLICY (Techcombank-TCB)

Khon 10% cam kt tin thu CT vn tr cho khch hng sau 06 thng k t ngy gii ngn choCT, ng thi bn pha TCB s phong ta khon tin ny v cho php Khch hng gi s tit kimphong ta ti TCB hng li n khi Khch hng tr gc k u tinThe 10% committed rental income is still paid by the Developer to the Clients after 06 months as fromthe date the Clients make full payment to the Developer. At the same time, TCB will blockade thisamount and the Clients are entitled to receive saving interest on the blockaded amount until the Clients

pay the first installment of the principal


Ti thi u 5 nm, ti a 20 nmMinimum 5 years, maximum 20 years

T l vayLoan rate(*)

65% gi bn Bit th (gm VAT)65% of Villa price (VAT included)

Thi gian h tr li sut

Time of interest ratesupport

12 thng k t ngy gi i ngn

12 months as from the date of the loan disbursement

Li sut trong thi gianh tr li sutInterest rate during timeof interest rate support

Khch hng chi tr : 0%/ Clients pay: 0%CT chi tr: 6,99%/ Developer pays: 6.99%Ngoi thi gian h tr li sut, khch hng chi tr theo li sut ca ngnhng ti tng thi imClients pay interest applicable to the loan in accordance with the banksregulations from time to time after the time of interest rate support

n hn n gc(k t ngygii ngn u tin ca ngnhng)Grace period for principal(as from the firstdisbursement date of theloan)

12 thng k t ngy gi i ngn u tin


Ph tr n trc hntrong thi gian h tr li

sutFee for premature


Khch hng chi tr : 0%/ Clients pay: 0%CT chi tr: 2%/ Developer pays: 2%

Ngoi thi gian h tr li sut, khch hng chi tr theo quy nh cangn hng ti tng thi im/ Clients pay fee for premature payment ofthe loan in accordance with the banks regulationsfrom time to time afterthe time of interest rate support


24/80


D n/ Project: VINPEARL NHA TRANG BAY RESORT & VILLASVINPEARL GOLF LAND RESORT & VILLAS


STT

NO.

U I

PREFERENCES

CHI TIT

DETAILS

1


Commitment from

RENTAL PROGRAM

(RP)

- Mc cam kt Thu nhp tin thu:Khch hng c nhn 85%li nhun t CTCTnhng khng thp hn 10%gi tr bit th(khng gm VAT)/nm(m bo gi tr theo VND)

The rate of rental income commitment: Clients receive 85%of profits from RP which at least equals to 10% of the villaprice (excluding VAT) / year (guaranteed value in VND)

- Thi gian cam kt:10 nm kt ngy khch hng k HMB vthanh ton 100% gi tr Bit th trc VAT v VAT n hn titng thi im.

Commitment time: 10 years from the date of signing the SaleContract and payment 100% of the villa price (excluded VAT) anVAT of all installments calculating up to at the time of payment

-

iu kin thanh ton: Ch u t bt u thanh ton Thu nhptin thu cam kt khi Khchhng k HMB v thanh ton 100% gi tr Bit th trc VAT v VAT n hn ti tng thiim.

Payment condition: Developer starts paying rental incomecommitment when the Client signs the Sale Contract and fully

pays 100% of the villa price (excluded VAT) and VAT of allinstallments calculating up to at the time of payment.

- K thanh ton: K u tin sau 6 thng k t ngy iu kinCc k tip theo 06 thng/lnPayment period: the first payment shall be made after 6 monthsfrom the date of fulfillment of the payment conditions. The next


2Quyn li Khch

hng khi tham gia

- S dng 2 m min ph ti Khch sn Vinpearl (2 room

nights) sau khi khch k TTC

v 15 m min

ph (Villa


25/80

20% of the Villa Price (VAT included) within 45 days from the date of

the 3rdinstallment

Ln 55thinstallment

25% Gi Bn BT (gm VAT) v VAT c a 05% gi BT khi nhncthng bo bn giao nh25%of the Villa Price (VAT included) and VAT of 05% of the Villa Pric


Ln 66th installment

05%

Gi Bn BT (khng gm VAT) khi nhn s hng

05% of the Villa Price (VAT excluded) when receiving ownership

certificate

3. CHNH SCH U I TI CHNH (Ngn hng cho vay Techcombank) / FINANCIALPREFERENTIAL POLICY (TECHCOMBANK)

Khon cam kt tin thu CT vn tr cho khch hng sau 06 thng k t ngy gii ngn cho CT, thi bn pha TCB s phong ta khon tin ny v cho php Khch hng gi s tit kim phong tTCB hng li n khi Khch hng tr gc k u tinThe committed rental income is still paid by the Developer to the Clients after 06 months as fromdate the Clients make full payment to the Developer. At the same time, TCB will blockade this amand the Clients are entitled to receive saving interest on the blockaded amount until the Clients pafirst installment of the principal


Ti thiu 5 nm, ti a 20 nmMinimum 5 years, maximum 20 years

T l vayLoan rate(*)

65% gi bn Bit th (gm VAT) 65% of Villa price (VAT included)

Thi gian h tr li sutTime of interest ratesupport



Khch hng chi tr: 0%/ Clients pay: 0%CT chi tr: 6,99%/ Developer pays: 6.99%Ngoi thi gian h tr li sut, khch hng chi tr theo li sut ca nghng ti tng thi imClients pay interest applicable to the loan in accordance with the banregulations from time to time after the time of interest rate support

n hn n gc(k t ngygii ngn u tin ca ngnhng)Grace period for principal

(as from the firstdisbursement date of theloan)

12 thng k t ngy gii ngn u tin


Ph tr n trc hntrong thi gian h tr lisut

Khch hng chi tr: 0%/ Clients pay: 0%CT chi tr: 2%/ Developer pays: 2%Ngoi thi gian h tr li sut, khch hng chi tr theo quy nh c

CTCTRights of Clients

while participating

RP

nights / year) k t ngy khch hng k HMB v thanh ton 100% gi tr Bit th trc VAT v VAT ca tt c cc t thanhton tnh n thi imthanh ton

Using 2 free room nights at Vinpearl (2 room nights) after signingDeposit Agreement and 15 free nights (villa nights / year) fromthe date of signing the Sale Contract and payment 100% of thevilla price (VAT excluded) and VAT of all installments calculatingup to the time of payment by Clients

- Trong trng hp khng c Bit th trng ti thi im ng k,Ch bit th c th c quy i s phng ng ca Bit ththnh s phng tng ng trong h thng khch sn Vinpearl.

In case of no available villa at the time of registration; the villaOwner can be converted the number of bedrooms of the villa tothe number of equivalent rooms in the Vinpearl hotel system.

- Khch hng/khch mi ca Khch hng c trao i cc mngh ti cc khch sn trong h thng Vinpearl.

Clients/guests of Clients have the right to exchange of the nightsin the Vinpearl hotel systems.

2. TIN THANH TON V TH TC / PAYMENT PROGRESS AND PROCEDURES


THI HNDURATION


Ti thi im t cc: 500.000.000 ng/BTAt the time of Deposit: 500,000,000 Dong/Villa

Ln 11stinstallment

15% Gi Bn BT (gmVAT) ( bao gm tin cc)ngay khi k HMB(Trong vng 15 ngyk t ngy t cc)15% of the Villa Price (VAT included) (including deposit) upon signing

the Sale Contract(Within 15 days after making deposit)

Ln 22ndinstallment

15% Gi Bn BT (gm VAT) trong vng 30 ngy k t t thanh tonln 115%of the Villa Price (VAT included) within 30 days from the date of

the 1stinstallment

Ln 3

3rdinstallment

20% GiBn BT ( gm VAT) trong vng 45 ngy k t t thanh ton

ln 2

20% of the Villa Price (VAT included) within 45 days from the date of

the 2ndinstallment

Ln 44thinstallment

20% Gi Bn BT ( gm VAT) trong vng 45 ngy k t t thanh tonln 3


26/80

Fee for prematurepayment of the loanduring the time ofinterest rate support

ngn hng ti tng thi im / Clients pay fee for premature payment ofthe loan in accordance with the banks regulations from time to timeafterthe time of interest rate support

4. CHNG TRNH BN HNG T NGY 12/03/2016 N HT NGY 23/03/2016/ Policy forSales program from 12/03/2016 to 23/03//2016

I TNG KHCH HNGCLIENTS

CHNH SCH/POLICY

iu kin:- Hon tt vic t cc trong thi gian chngtrnhbn hng- Hon tt th tc theo ng quy nh

Condition:

- Complete the deposit on time of program

- Complete the prescribed procedures

- Tng 01 cy vng JSC

Offering 01 tael of JSC gold

a im giao dch/ Transaction place TP H Ni: Trung tm hi ngh Quc T Almaz, Vinhomes Riverside, Long Bin, H Ni

Hanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, Hanoi TP H Ch Minh: Sn giao dch bt ng sn Vinhomes, 208 ng Nguyn Hu Cnh,

phng 22, Qun Bnh Thnh, TP H Ch Minh

Ho Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh Street, Ward22, Binh Thanh District, Ho Chi Minh City


27/80

the payment date of 100% of the villa price (VAT excluded) anVAT of all installments calculating up to the time of payment bClients

- Trong trng hp khng c Bit thtrng ti thi im ngCh bit th c th c quy i s phng ng ca Bit ththnh s phng tng ng trong h thng khch sn Vinp

In case of no available villa at the time of registration; the villaOwner can be converted the number of bedrooms of the villa the number of equivalent rooms in the Vinpearl hotel system.

- Khch hng/khch mi ca Khch hng c trao i cc ngh ti cc khch sn trong h thng Vinpearl.

Clients/guests of Clients have the right to exchange of the nigin the Vinpearl hotel systems.

2. TIN THANH TON V TH TC / PAYMENT PROGRESS AND PROCEDURESTIN /TH TCPROGRESS/PROCEDURES

THI HNDURATION

K th tct ccSign Deposit Procedures

Ti thi i m t cc 500.000.000 ng/BT (t cc ln 1)At the time of Deposit: 500,000,000 Dong/Villa (1stdeposit)

t cc ln 22ndDeposit

15% Gi Bn BT(cha gm VAT) ( bao gm tin ccln 1)trovng 15 ngy k t ngy t ccln 1.15% of Villa Price (VAT excluded) (including the 1stdeposit) within


K Hp ng mua bnSign Sale Contract D kin Qu 2/2016 (thng 6/2016)Expected at 2ndquarter of 2016

Ln 11stinstallment

30%Gi Bn BT (gm VAT) ( bao gm tin t cc)ngay khi kHMB.30% of the Villa Price (VAT included) (including Deposit) since sig

the Sale Contract

Ln 22ndinstallment

20% Gi Bn BT (gm VAT) trong vng 60ngy k t t thanh tth 1.20% of theVilla Price (VAT included) within 60 days as the date of

1stinstallment

Ln 33rd installment

20%Gi Bn BT (gm VAT) trong vng 60ngy k t t thanh tth 2.20% of Villa Price (VAT included) within 60 days from the date of t

2ndinstallment

Ln 4

4th installment

25% Gi Bn BT (gm VAT) v VAT c a 05% gi BTkhi nhn

thng bo bn giao nh

25% of the Villa Price (VAT included) and VAT of 05% of the Villa


Ln 55th installment

05%GiBn BT (khng gm VAT) khi nhn s hng05% of the Villa Price (VAT excluded) when receiving ownership

certificate

---p dng tngy 23/03/2016/Applied from 23032016 ---

D n/ Project: VINPEARL RESORT & VILLAS TI BI DI NHA TRANG


STT

NO.

U I

PREFERENCES

CHI TIT

DETAILS

1


Commitment from

RENTAL PROGRAM

(RP)

- Mc cam kt Thu nhp tin thu:Khch hng c nhn 85%li nhun t CTCTnhng khng thp hn 10%gi tr bitth(khng gm VAT)/nm(m bo gi tr theo VND)

The rate of rental income commitment: Clients receive 85%of profits from RP which at least equals to 10% of the villa

price (excluding VAT) / year (guaranteed value in VND)

- Thi gian cam kt:10 nm kt ngy khch thanh ton 95%gi tr Bit th trc VAT v VAT n hn ti tng thi im.

Commitment time: 10 years from the date of payment 95% of thevilla price (excluded VAT) and VAT of all installments calculatingup to at the time of payment

- iu kin thanh ton: Ch u t bt u thanh ton Thu nhp

tin thu cam kt khi Khch hng thanh ton 95% gi tr Bitth trc VAT v VAT n hn ti tng thi im (khng phthuc vo thi m k HMB)

Payment condition: Developer starts paying rental incomecommitment when the Client fully pays 95% of the villa price(excluded VAT) and VAT of all installments calculating up to atthe time of payment (without distinguishing the signing date of theSale Contract)

- K thanh ton: K u tin sau 6 thng k t ngy iu kinhoc ngy30/06 hoc ngy31/12ty thi im no n trc.Cc k tip theo 06 thng/ln.

Payment period:

2


while participating

RP

- S dng 2 m min ph ti Khch sn Vinpearl (2 room

nights) sau khi khch k TTCv 15 m min ph (Villanights / year) k t ngy khch thanh ton 100% gi tr Bitth trc VAT v VAT ca tt ccc t thanh ton tnh n thiimthanh ton

Using 2 free room nights at Vinpearl (2 room nights) after signingDeposit Agreement and 15 free nights (villa nights / year) from


28/80

Khch hng c nhu cu thanh ton trc hn s c hng mc chit khu tng ng 7%/nmtrn khon tin v s ngy thanh ton trc hn, tr khi c tha thun khc (Mc chit khu ny cth thay i m khng cn bo trc). Khon tin ny s c chitkhu thng vo gi bn cn h. Clients make premature payment will receive a discount equal to 7%/year on the amount and thedays of premature payment, unless otherwise agreed. (This discount amount is subject to changewithout prior notice). The discount amount will be deducted into Apartment selling price.

3. CHNH SCH CHNG TRNH BN HNG t 23/03/2016 n 31/03/2016 / Sales programpolicy from 23/03/2016 to 31/03/2016

La chn 1: Chitkhu 05% vo gi bn Bit th cha gm VAT.Option 1: Discounted 05% of the villa price (VAT excluded)La chn 2: Option2:


Ti thiu 5 nm, ti a 20 nm Minimum 5 years, maximum 20 years

T l vayLoan rate(*)

65% gi bn Bit th (gm VAT)65% of Villa price (VAT included)

Thi gian h tr li sutTime of interest ratesupport



Khch hng chi tr: 0%/ Clients pay: 0%CT chi tr: 7.72%/ Developer pays: 7.72%Ngoi thi gian h tr li sut, khch hng chi tr theo li sut ca ngnhng ti tng thi imClients pay interest applicable to the loan in accordance with the banksregulations from time to time after the time of interest rate support

n hn n gc(k t nggii ngn u tin ca ngnhng)Grace period for principal(as from the firstdisbursement date of theloan)

12 thng k t ngy gi i ngn u tin


Ph tr n trc hntrong thi gian h tr lisutFee for premature


Khch hng chi tr : 0%/ Clients pay: 0%CT chi tr: 2.5%/ Developer pays: 2.5%Ngoi thi gian h tr li sut, khch hng chi tr theo quy nh cangn hng ti tng thi im / Clients pay fee for premature payment ofthe loan in accordance with the banks regulations from time to time afterthe time of interest rate support

a im giao dch/ Transaction place TP H Ni: Trung tm hi ngh Quc T Almaz, Vinhomes Riverside, Long Bin, H ni

Hanoi: Almaz International Conference Center, Vinhomes Riverside, Long Bien, Hanoi TP H Ch Minh: Sn giao dch btng sn Vinhomes, 208 ng Nguyn Hu Cnh,

phng 22, Qun Bnh Thnh, TP H Ch MinhHo Chi Minh City: Vinhomes Real Estate Trading Floor, 208 Nguyen Huu Canh Street,Ward 22, Binh Thanh District, Ho Chi Minh City


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1. u th ni bt ca BS ngh dng ca tp on Vingroup l g? BS ngh dng ca tp on Vingroup c u t v pht trin bi - thng

hiu hng u v bt ng sn Vit Nam hin nay Vinhomes. c qun l bi Vinpearl vi chui thng hiu khch sn ngh dng hng

u Vit Nam ta lc ti cc v tr vng, c a v p nht hnh tinh. Cc khu ngh dng u nm trong cc khu tng th tt c trong mt bao gm

cc tin ch vt tri v ngh dng, vui chi, gii tr, sn nh Golf, spa... ivo hot ng vi t l cng sut phng lun t mc cao trn 80%.

Tin xy dng cc k nhanh chng, ng b vi thit k ni tht ng cphon ho.

T l phn chia thu nhp cho thu cao nht trn th trng giaKhch hng/Ch u t l 85/15.

2. Ti sao Khch hng nn mua BS ngh dng ca tp on Vingroup vo thiim ny?

Cam kt li nhun chng trnh chia s k ngh ln n 10%/nm gi tr snphm trc thu trong 10 nm vi BTB v 10%/nm gi tr sn phm trc thutrong 5 nm vi Condotel.

Khch hng c hng rt nhiu u i: c tng 15 m min ph/nm ti h thng ca Vinpearl trn ton quc. Khch hng/khch mi ca Khch hng c trao i cc m ngh ti cc

khch sn trong h thng Vinpearl

Trong trng hp ti thi im Ch bit th ng k m ngh m khng cn Bitth trng, c th c quy i s phng ng ca Bit th thnh s phng tngng trong h thng khch sn Vinpearl

Sau khi t cc, Khch hng c u i 02 m min ph trong Khch snVinpearl ti a im D n Khch t mua

Hin nay li sut tin gi VND xung rt thp 6%/nm; li sut tin gi USD0.75%/nm

Bi cnh lut nh v kinh doanh bt ng sn c hiu lc t 1/7/2015 m rngi tng cho ngi nc ngoi s hu bit th, nh Vit Nam dn n giatng gi tr bt ng sn v gia tng xu hng u t BS ngh dng.

3. Khi no khch hng s c nhn Cam kt Thu nhp Chng trnh cho thu? Ch u t s thanh ton Thu nhp cho thu 6 thng/ln. Khng ph thuc vo thi gian nhn bn giao bit th, Khch hng bt u nhn

Cam kt thu nhp cho thu 6 thng sau ngy thanh ton 100% gi tr bit th; Khch hng c th nhn cam kt thu nhp cho thu 6 thng sau ngy nhn bn

giao bit th, bt u tham gia vo Chng trnh cho thu v thanh ton 100%gi tr bit th

4. C cn phi tr thm chi ph no trong thi gian cam kt thu nhp cho thuhay khng?

Trong thi gian cam kt thu nhp cho thu, mi chi ph c tnh vo Chi phhot ng, v th Khch hng s nhn v cam kt 8%/nm m khng phi trthm chi ph g

5. Khch hng c c quyn kim tra cc nghip v k ton khng?Kim tra nh th no?

Khch hng c quyn t mnh v/hoc sp xp cho mt bn th ba xem xt/kimton bo co ti chnh hng nm ca Bn Cung Cp Dch V lin quan n DchV Qun L Cho Thu ca Bit Th.

6. Ngoi cam kt thu nhp cho thu,Khch hng s c hng nhng u i g?

Khch hng hoc khch mi ca khch hng c hng u i 15-30 ngyngh/nm cng cc u i v dch v i km ti bt c thi im no trong nm,vi iu kin:

t trc ti thiu 30 ngy trong thi gian khng phi l Ma Cao im v 60ngy cho Ma Cao im. Khch hng s tr ph ph ma cao im.

Ngy ngh u i khng c cng dn qua cc nm7. Nu khch hng t phng nhng khng th c b mt ngy u i khng?

Nu hy t phng trc ti thiu 15 ngy s khng b tr ngy ngh u i Nu hy trc t hn 15 ngy hoc khng bo hy s mt s ngy u i t

8. Khch hng c th trao i ngy ngh trong ccKhu ngh mt khc cng h thng ca Vinpearl khng? C th quy i s phng ng ca Bit th thnh phng ti khu ngh mt ca Vin -

pearl C th trao i ngy ngh u i ti cc khu ngh mt khc trong h thng Vinpearl

9. Sau thi gian cam kt thu nhp cho thu s nh th no?a. Khch hng s c nhn:

T nm th 11, khch hng nhn c 85% thu nhp cho thu thun thot ng kinh doanh cho thu Bit th thc t.

b. Khch hng s phi tr: Ph Qun l Bo tr chung. Ph D phng sa cha ln cc khu vc chung. Cc chi ph ny c xem

l mt phn chi ph hot ng ca Bit th v s c tr vo doanh thucho thu trc khi thanh ton cho khch hng.

c. Khch hng mun tip tc tham gia Chng trnh cho thu na c c khng?Nu khng, Bit th nhn li s nh th no?

Trong thi gian tham gia vo chng trnh cho thu, Bit th lun cqun l v bo tr theo tiu chun 5*.

Sau thi gian cam kt thu nhp cho thu, Khch hng c th tip tc thamgia Chng trnh cho thu, hoc khng tham gia na v nhn li Bit thng theo tiu chun.


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10. Tnh trng Bit th khi bn giao cho Khch mua nh th no? Bit th hon thin y tt c cc trang thit b ni tht, ngoi tht, cng

c dng c a vo vn hnh khai thc kinh doanh theo tiu chun 5* cathng hiu ngh dng Vinpearl.

11. Quyn s hu ca cc bit th ngh dng Vinpearl Resort & Villas nh th

no? Ngi Vit Nam: c s hu l lu di. Ngi Nc ngoi: c s hu 50 nm theo Lut nh mi c hiu lc t

1/7/201512. Thi hn hon thin giy chng nhn s hu l bao lu?

Trong vng 45 ngy lm vic k t khi Ch u t nhn y h s xin cpGiy Chng Nhn t Khch hng, Ch u t s hon thnh cc th tc xincp Giy Chng Nhn cho Khch hng theo quy nh ca php lut

13. Vic chuyn nhng bit th ti cc d n Vinpearl Resort & Villas? Khch mua c c chuyn nhng bit th khng? Theo Thng t 16/2010/TT-BXD ngy 1/9/2010 (Thng t 16), trc khi

nhn bn giao Bit th t Ch u t, Bn Mua c quyn chuyn nhngHp ng Mua bn.

T 01/7/2015, sau khi nhn bn giao Bit th cho n trc khi c giychng nhn quyn s hu, th Bn Mua vn c bn/chuyn nhng Hp

ng Mua bn Bit Th; Sau khi Bit th c cp giy chng nhn quyn s hu. Th tc, iu kin

chuyn nhng thc hin theo Hp ng Mua bn v quy nh ca php lutti tng thi im.

Khch hng c c mua chung bit th khng? Khch hng c mua chung Bit th. Tt c cc ng ch s hu s cng

k Hp ng Mua bn v cc vn bn, tha thun vi Ch u t. Hoc ccng ch s hu c vn bn y quyn (c cng chng hp l) cho mthoc mt s ng s hu thay mt k kt vi Ch u t.

Khi mt khch hng ng s hu bit th c c chuyn nhng phn shu cho ngi khc khng?

c. Thng tin v vic chuyn nhng Bit th nh ni trn. Cc bn tr cc ph theo quy nh ca Nh nc.

14. Nu KH mun kim tra doanh thu thc t hng nm th c c php kim trahay khng v bng cch no?

Hng nm vo cui nm ti chnh, CT s c bo co doanh thu. Trng hpKH mun t kim tra doanh thu, CT s h tr KH kim tra trc tip hocKH c th thu 1 n v ton c lp kim tra doanh thu. Vic kim tra ca

KH khng lm nh hng n hot ng kinh doanh ca KS.15. Bn Sungroup c cam kt t nm th 11 tr i li nhun c chia 70:30, bnVin khng cam kt r rng nh vy m ch cam kt chung chung khng ni r sau10 nm l bao nhiu?

T nm th 11 tr i, Vin cam kt chia li nhun 85:15, 85% thuc v KH,15% thuc v pha vn hnh. Nh vy, Vin c mc cam kt cao hn Sun, yl mc cao nht hin nay.iu 2 PL3

16. Trong thi gian tham gia CTCT, KH mun chuyn nhng CH/BT cho ngikhc c c khng? Ngi nhn chuyn nhng ch mun v khng muntham gia CTCT c c khng v h phi chu ph pht nh th no?

Trong thi gian tham gia CTCT, KH c quyn chuyn nhng CH/BT bnhthng, nhng ngi nhn chuyn nhng phi tip tc k tha ton bngha v v quyn li ca ngi chuyn nhng.

CH/BT ngh dng ch c mc ch kinh doanh, khng c s dng vnh vin.

17. Hng nm KH phi ng cc loi chi ph no trong qu trnh tham gia CTCT? Trong thi gian cam kt thu nhp cho thu, KH khng phi ng chi ph hot

ng. Sau thi gian cam kt thu nhp KH s ng chi ph hot ng gm chiph bo dng sa cha BT, chi ph in nc, chi ph sa cha, bo dngcc cng trnh v cc khon ph khc theo H qun l v bo tr chung. Chiph hot ng s da trn s liu thc t v c Cty kim ton c uy tn tiVN xc nhn (iu 5 PL 3)

18. Trng hp KH k HVV nhng n thi im k HMB KH i cng tcnc ngoi v y quyn cho ngi khc k thay HMB c c khng? V vsau, s hng ca KH c ng tn Ch s hu hay ng tn ngi y quyn? vicy quyn ny c nh hng n quyn li KH hay khng?

c, nu ngi c UQ k thay c giy UQ cng chng ca phng cngchng nh nc t KH y quyn cho ngi c UQ k thay trn HMB.

Giy chng nhn quyn s hu s ng tn ngi c UQ.

Trng hp ny c th linh ng chuyn HMB sang nc ngoi cho khchk v chuyn v VN.


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19. Trong HMB c th hin vic CT cam kt 10%/nm trong 10 nm khng? Saukhi ht thi gian CTCT th s tip tc k H nh th no? Khch hng c th lyli s dng cho mc ch c khng?

Theo iu 2 PL3 ca HMB c ghi r trong vng 10 nm u tin KH sc nhn thu nhp cho thu trc thu CTCT ti thiu 10% gi tr BT (cha

VAT). T nm th 11 n nm th 50 s chia li nhun 85:15 theo doanh thuthc t. Thi hn CTCT s tip tc gia hn 50 nm tip theo tr khi c vn bn khng

tip tc gia hn ca mt bn trc ngy ht hn 30 ngy.iu 1.1 Ph lc 3.20. Trong thi gian thc hin CTCT, KH khng mun tip tc CTCT na c ckhng? Nu KH mun t cho thu c c khng? C th ton quyn s dngCH/BT ca mnh khng, hay u t ch mc ch kinh doanh thu li nhun?

Trong thi gian thc hin CTCT, nu KH n phng chm dt CTCT, KHphi hon tr cho CT s tin nhn v mt khon li tnh bng 150% lisut gi tit kim VND k hn 12 thng v tr mt khon pht tng ng8% trn gi tr BT (iu 8 PL 3)

KH khng c php t kinh doanh cho thu v vic vn hnh CTCT phic ng b ton khu, vic KH t vn hnh cho thu mi cch khc nhaus lm nh hng n m quan v vic vn hnh tng ton khu.

21. Sau thi gian cam kt CTCT, nu kinh doanh b l, KH c phi chia khon l

vi Vinpearl ko? Vic kinh doanh thua l l iu khng c mt ch u t no mong mun. KH

s khng phi chia s cc khon l vi VP (nu c).22. Ch u t ng tin s dng t cha? Tin thi cng ca Bi Di khnhanh. Vy vic bn giao s p ng ng tin , nhng v cht lng ca cnbit th th nh th no, ly g lm c s cn c bit rng bit th m bocht lng khi bn giao?

CT thc hin y cc ngha v vi nh nc. Tin thi cng BD nhanh do khu vc Bi Di ch c 200 cn bit th, khng

c building, mt bng c sn, khng mt nhiu thi gian san i MB.Hn na vic thi cng Bi Di thun tin v nm trn t lin s thun li hnrt nhiu so vi cc khu vc d n trn o.

V cht lng bit th c minh chng qua cc d n, v KH khi nnhn BG hu ht u rt hi lng.

22. Li nhun ca cc CH/BT s c chia theo li nhun chung ca ta, hayc chia theo cng sut ring tng cn vy??

Li nhun CTCT s c chia theo tng cn, tuy nhin trong qu trnh vnhnh, vic bn phng s c phn u cho cc cn, do s khng c tnhtrng cn khai thc nhiu, cn khai thc t.

23. KH l ch s hu CH/BT c c min ph 3 ba buffet, min ph v vo khuVinpearl Land hay Safari khi s dng cs 15 m khng?

Theo CS 15 m ngh ti KS thuc h thng VP, KH c min ph 3 babuffet, v vo khu vui chi Vinpearl Land, nhng khng bao gm v thamquan Vn th Safari..

24. Vay ngn hng, tnh ra sau 10 nm th khng c li? Cn c vo u m KH tinch u t s tr cho KH li nhun ti thiu l 10% v cn hn th na? Ti munlit k c th cc ph m ti phi tr hng nm? R rng c th?

Theo bng tnh chi tit trong TL training cho Sales, th li nhun cho thuhon ton c th b p v lun ln hn li vay NH. Nu tnh c li vay vtin gc th thu nhp cho thu lun l s dng. Vic c hng li nhuncho thu sm hay mun ty thuc vo khong thi gian KH vay.

Cc Salse c th xem chi tit trn TL training Sales v Sales c th lin hGQLL ca mnh c bng tnh chi tit.

KH s ng chi ph hot ng gm chi ph bo dng sa cha BT, chi phin nc, chi ph sa cha, bo dng cc cng trnh v cc khon phkhc theo H qun l v bo tr chung. Chi ph hot ng s da trn s liuthc t v c Cty kim ton c uy tn ti VN xc nhn.

25. Trong hp ng cam kt ca CT i vi KH, CT c iu khon cam ktti thiu 10%/nm trong 10 nm.Cch tnh lng tin nhn c t cam kt cho

thu? (C th sau khi nhn 10% gi tr BTB ko bao gm VAT theo cam kt th khchhng cn phi np thu TNCN ko?)

Cch tnh: t ngy KH thanh ton 100% gi tr BT tnh n ngy 31/12/2015,2 ln TT tip theo cho nm 2016 tnh theo nm dng lch nh sau:

Ln 1 s bt u t ngy 1/1/2016 30/06/2016 Ln 2 s bt u t ngy 1/7/2016 31/12/2016 Thu thu nhp cc nhn ang tm thu 10% /li nhun khch nhn c.

26. Sau thi gian cam kt thu nhp CTCT nh th no? Li nhun s c tnhtheo m2 hay tnh theo cn? Liu sau thi gian cam kt LN c c tr khng? yc phi dng gp vn vo xy dng ri cho thu khng? Ch u t cam kt thno v li nhun cho thu, php l u hay ly tin gp vn tr tin thu.Nu KH ko mun cho thu m c c ko? Khi bn d n xong, cc th tccho thu th no, ti phi gp ai gii quyt? Sau thi gian cam kt th li nhunc c 10% na khng?

Sau thi gian cam kt thu nhp s chia li nhun 85:15, 85% thuc v chcn h. Li nhun khng tnh trn m2 m tnh trn vic khai thc cho thu.

y l hnh thc kinh doanh cho thu v u t hng thu nhp trn i. Nu c vng mc lin quan n cn KH mua, KH c th lin lc vi

GL bo GQLL h tr v gii quyt. Theo nh cng sut phng hin nay ca VP v nhng g VP lm th

minh chng c ngun khch n nh cho cc khu ngh dng ca VP trongthi gian qua.


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STT CC LOI HNH BIT THHNH THC HP NG TN

NG

1

Bit th hnh thnh trong tng lai

(bn trc mng) K Hp ng Vay vn

2

Bit th hnh thnh trong tng lai(bn sau mng)

K Hp ng Mua bn- Cam kt TNCT bng USD

- Cam kt TNCT bng VN

3

Bit th c sn, bn trc tip t CT



4

Bit th c sn, bn chuyn nhng



27. Ti sao trong hp ng vay vn ko c iu khon no nu ln l KH s cquyn mua cn h m KH ng k nguyn vng?

Trong Bng ng k nguyn vng km theo HVV c ghi r chi tit m cn,din tch. Trn HVV cng th hin m cn KH ng k mua.

28. Sau thi gian cam kt cho thu, KH s phi ng cc khon chi ph no vng bao nhiu?

Tng t nh cu 4 trn. Sau thi gian cam kt thu nhp KH s ng chiph hot ng da trn s liu s dng thc t nh chi ph bo dng sacha BT, chi ph in nc, chi ph sa cha, bo dng cc cng trnh vcc khon ph khc theo H qun l v bo tr chung. Cc chi ph ny sc mt Cty kim ton c uy tn ti VN xc nhn (iu 5 PL 3).

29. Sau 5 nm, l nh khai thc khng tt, thm ch b l th sao? Cch chia linhun khai thc nh th no? Chia theo tng cn ring l hay cng gp li ri chiatrung bnh?

Theo nh gi hin nay cng sut phng hin nay hng 5 sao, VP c cngsut lp y cao nh c nc 80-90%/nm.

Li nhun CTCT chia theo tng cn, tuy nhin trong qu trnh vn hnh, vicbn phng s c phn u cho cc cn, do s khng c tnh trng cnkhai thc nhiu, cn khai thc t..


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CNG HA X HI CH NGHA VIT NAM

c lp T doHnh phc

-------o0o------

HP NG VAY VN

S: _________/....../HVV

Hp ng Vay Vn ny (sau y c gi l "Hp ngVay Vn") c lp vo ngy ___thng ___ nm_____ gia v bi Bn Vay (Bn A) v Bn Cho Vay (Bn B)

1. THNG TIN V CC BN:

BN VAY: CNG TY _____________________________

a ch : ______________________________________

M s Doanh nghip : ______________________________________

in thoi : Fax:

i din bi : ______________________

Chc v : ______________________

S CMND: cp ngy: , ti ..

(theo Giy y quyn s k ngy .).1

(Sau y gi l Bn A)

V

BN CHO VAY:

Tn t chc/ng (b):.........................................................................................................

M s DN/CMND (h chiu) s:......................cp ngy:..../..../....., ti.............................

Tr s/H khu thng tr:................................................................................................

a ch lin h:....................................................................................................................

in thoi:..............................................Fax (nu c):.......................................................

Email:..................................

i din (i vi t chc):..................................................................................................

(theo Giy y quyn s k ngy .).2

(Sau y gi l Bn B)

(Bn A v Bn B gi ring l Bn v gi chung l Cc Bn)

Cn c:

-

B Lut Dn S s 33/2005/QH11 c Quc hi nc Cng ha X hi Ch nghaVit Nam thng qua ngy 14 thng 6 nm 2005; v

- Cc quy nh php lut hin hnh c lin quan.

1Nu ngi k khng phi TG hoc ngi i din php lut th in thng tin v giy y quyn.2Nu ngi k khng phi TG hoc ngi i din php lut ca t chc th in thng tin v giy y quyn.

2

Sau khi tha thun, Cc Bn ng k kt Hp ng Vay Vn ny vi cc iukhon v iu kin sau:

IU 1. KHON VAY V MC CH VAY 1.1. Bn B ng cho Bn A vay v Bn A ng vay t Bn B mt khon vaybng

ng Vit Nam c gi tr l: ..............................................................................., bngch................................................................................. 3ng (Khon Vay).

1.2. Li sut:6%/nm(mt nm c tnh l 365 ngy) v c nh trong sut Thi HnVay. Vic thanh ton khon li vay (Khon Li Vay) c thc hinkhi kt thc

Thi Hn Vay hoc theo tha thun ca Cc Bn ti tng thi im. 1.3. Bn B c trch nhim gii ngn Khon Vay 4trong vng ..ngy k t ngy k kt

Hp ng ny.1.4. Bn B nht tr vic Bn A s dng Khon Vay phc v hot ng kinh doanh ca

Bn A v cho mc ch u t pht trin ca Bn A. 1.5. Ton b Khon Vay c gii ngn bng phng thc np tin mt hoc chuyn

khon vo ti khon di y ca Bn A hoc ti khon khc do Bn A ch nh :Ch ti khon: ___________S ti khon : ___________Ngn hng : ___________

IU 2. THI HN VAY2.1. Thi Hn Vay l [.]thng5tnh t ngy Hp ng Vay Vn c k kt.Vic gia

hn Thi Hn Vay (nu c) s c thc hin theo tha thun ca cc bn.2.2. Trc khi kt thc Thi Hn Vay, Bn B ng v cam kt khng rt bt k khon

tin no trong Khon Vay cp cho Bn A, tr trng hp Cc Bn c tha thunkhc.

IU 3. QUYN V NGHA V CA BN A3.1 Bn A c cc quyn sau y:

a) Ton quyn s dng Khon Vay theo Hp ng Vay Vn ny phc vhot ng kinh doanh ca Bn Anh ni dung c th hin ti iu 1.4 caHp ng Vay Vn ny.

b) c n phng chm dt Hp ng Vay Vn ny khi Bn B khng thchin ng vic gii ngn theo quy nh ti iu 1 ca Hp ng Vay Vnny;

3.2 Bn A c cc ngha v sau y:a) m bo huy ng cc ngun vn hp php ca mnh hon tr Khon Vay

y ,ng hn cho Bn Bnh quy nh ti Hp ng ny. Trng hp

chm hon tr Khon Vay, Bn A s phi tr cho Bn B mt khon pht bng

3in s tin theo chnh sch c lnh o ph duyt vo tng thi im. 4in theo CSBH ti tng thi im.Nu gii ngn khon vay c theo tin th in theo tin sau: 5Thi gian bn giao d kin ca tng T a + 6 hoc 8 thng ty tng ta v tng D n (ngha l = s thng tnh

t ngy k HVV n thng m KH c quyn n phng chm dt HMB do CT chm bn giao nh).


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3

0,05%/ngy tnh trn s tin chm thanh ton tnh t ngy kt thc Thi HnVay cho n ngy Bn A thc t thanh ton cho Bn B.

IU 4. QUYN V NGHA V CA BN B4.1. Bn B c cc quyn sau y:

a) Yu cu Bn A hon tr Khon Vay v Khon Li Vay theo tha thun caCc Bn;

b) c quynnhn li Khon Vay v Khon Li Vay theo quy nh ca Hpngny, tr trng hp Cc Bn c tha thun khc .

4.2.

Bn B c cc ngha v:a) Gii ngn Khon Vay theo ng tin nu ti iu 1. 2. Nu vi phm tin gii ngn, Bn B c trch nhim tr cho Bn A mt khon bng 0,05%/ngytrn s tin chm gii ngn tnh t ngy n hn gii ngn cho n ngy giingn thc t.

b) Khng n phng chm dt Hp ng Vay Vn trc Thi Hn Vay v/hoc khng rt Khon Vay trc hnv bt k l do g, tr trng hp CcBn c tha thun khc;

c) Chu cc khon thu, ph, l ph pht sinh t Khon Li Vay (nu c ). Bn Bng Bn A khu tr cc khontin ny trc khithanh ton Khon LiVay cho Bn B.

IU5: CAM KT V M BO5.1. Bn B cam kt v m bo rng vic cung cp Khon Vay theo Hp ng Vay Vn

ny l hon ton t nguyn v ph hp vi ch ca Cc Bn tham gia giao dch ny.

5.2. Hai Bn c ton b, hiu r, chp nhn cc ni dung ca Hp ng Vay Vn ny.Bn B cam kt s khng c bt k phn i, khiu ni hoc kin tng n bt k cquan c thm quyn no i vi Bn A v cc ni dung ca Hp ng Vay Vn ny.

IU 6: CHM DT HP NG6.1. Hp ng Vay Vn ny s chm dt hiu lc khi xy ra mt trong cc s kin sau

y(ty s kin no xy ra trc):a) Khi ht Thi Hn Vay theo quy nh ti iu 2.1 ca Hp ngVay Vn;b) Khi Bn B tm c bn th ba ng k tha/nhn chuyn nhng cc

quyn, ngha v ca Bn A theo Hp ng ny v cc Tha Thun c linquan khc (nu c) ca Cc Bn v c Bn A xc nhn.

c) Cc trng hp khc theo tha thun ca cc bn .6.2. Hp ng Vay Vn nyc th b chm dt theo quyt nh ca Bn A nu Bn B

khng gii ngn Khon Vay theo ng tin quy nh ti Hp ng Vay Vn ny;

6.3.

Sau khi Hp ng Vay Vn chm dt, mi Bn vn phi gii quyt nhng ngha vcn tn ng i vi Bn kia.

IU 7. GII QUYT TRANH CHPTrong qu trnh thc hin Hp ng Vay Vn, nu c bt ng hoc tranh chp phtsinh gia Cc Bn trc ht s c gii quyt thng qua thng lng, ha gii trn

4

tinh thn tn trng v hiu bit ln nhau. Trong trng hp khng gii quyt cthng qua thng lng ha gii th tranh chp s c a ra gii quyt ti ta n cthm quyn theo quy nh ca php lut Vit Nam.

IU 8. CAM KT BO MTBn B c ngha v m bo rng bt k thng tin bo ch no c lin quan ti hpng ny, Bn A hoc Tp on Vingroup Cng ty CP (bao gm c cc cng ty con,cng ty thnh vin ca Tp on Vingroup Cng ty CP) do Bn B cng b v/hoccung cp/ tit l cng b u phi c s ng trc bng vn bn ca ngi c

thm quyn caBn A hoc/vTp on Vingroup

Cng ty CP. iu khon nyvn tip tc rng buc Bn B ngay c khi Hp ng ny kt thc.

IU 9. CAM KT CHUNG

9.1. Cc Bn cam kt tn trng v thc hin y cc ni dung trong Hp ng Vay Vn.9.2. Mi sa i, b sung i vi Hp ng Vay Vn ny u phi c lp thnh vn

bn, c ch k ca Cc Bn.9.3. Hp ng Vay Vn ny c lp thnh 03 (ba) bn gc bng ting Vit c gi tr

php l ngang nhau: Bn A gi 02 (hai) bn, Bn B gi 01 (mt) bn thc hin.

BN B

_________________________________

I DIN BN A

____________________________________


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c lp T do Hnh phc

-------o0o------

BN NG K NGUYN VNG Knh gi: CNG TY []

Sau khi tm hiu y thng tin v D n [....] ti [....] ("D n") do Qu Cng Ty lm Chu T, Ti/Chng Ti c nguynvng c tham gia ng k chn mua mt 1Cn H/BitTh/Nh lin k(sau y gi l 2Nh ) ti D n ngay khi Ch u T hon thnh cciu kin v th tc m bn theo quy nh ca php lut vi ni dung c th sau y:

1. Nguyn vngng k:

1.1 Thng tin Nh :

Nh s :

Loi Nh : Cn H/Bit Th/Nh lin k3Din Tch Nh tm tnh

(theo cch o thng thy) :

a ch Nh :

1.2. Gi Bn Nh tm tnh l: [] ng (Bng ch)

Nu l Cn H/Nh Dch V th qu y nh nh sau:Gi BnNh nu trn c xcnh bng n gi bn [.ng/m2] nhn vi Din Tch Nh v cha bao gmthuGi Tr Gia Tng v kinh ph bo tr phn s hu chung nh chung c theo quy nh

ca php lut hin hnh.Nu l Bit Th th quy nh nh sau: Gi BnNh nu trn bao gm (i) Gi tr

quyn s dng t ca Nh , Gi tr cng trnh xy dng v ti sn gn lin trn t

ca Nh , Quyn s dng i vi phn c s h tng chung ti Nh , cc tin tch

thng mi khc c quy nh s dng chung trong D n; 4(ii) gi dch v qun l

cho thu Bit Thnhng cha bao gm thu GTGT.

1.3. Tin thanh ton Gi Bn Nh d kin5:

- t 1: Thanh ton []%Gi Bn Nh v thu GTGT ngay khi k kt Hpng MuaBn.

- t 2: Thanh ton [.]% Gi BnNh v thu GTGT ..

- t 3: Thanh ton [.]% Gi Bn Nh v thu GTGT ..;

1Ghi tng ng vi loi sn phm.

2Nu khng phi l nh , m l Din tch thng mi, nh dch v th thay Nh bng Din tch thng mi,

nh dch v3Nu l Bit th/Nh lin k th ghi Din Tch t tm tnh v Tng Din Tch Xy Dng tm tnh

4Nu khng phi BTB th b i.

5in theo CSBH ca CDT ti tng thi im


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- t 4: Thanh ton [.]% Gi Bn Nh v ton b thu GTGTcn li caGi BnNh v kinh ph bo tr phn s hu chung theo Thng bo bn giaoNh ca Bn Bn

- t 5: Thanh ton [.]% Gi BnNh theo thng bo ca Bn Bn khi Nhc cp Giy chng nhn quyn s dng t, quyn s hu nh v ti snkhc gn lin vi t.

Ti cam kt, thc hin y cc th tc theo quy nh ca php lut v theo thngbo ca Qu Cng ty hoc n v bn hng hon thnh vic k kt Hp ng MuaBn Nh khi nguyn vng ng k c Ch u Txc nhn giao dch thnhcng.

Ti ng v xc nhn rng trng hp ti khng thc hin cc th tc theo quy nhca php lut vtheo thng bo ca Qu Cng tyhoc n v bn hng hon thnhvic k kt Hp ng Mua Bn Nh nh nu trn th c hiu l ti khng cnnguyn vngmua Nh v Qu Cng ty c quyn cho bncho cc bn khc.

Trn trng cm n!

C NHN/T CHC NG K

.., ngy .. thng nm

XC NHN CA CH U T

Chng ti nhn c Bn ng K Nguyn Vng ca Qu Khch v s chuyn n n vt chc bnngay khiNh hon thnh cc iu kin m bn thc hin cc th tclin quan theo quy nh ca php lut.

CNG TY .......................................

(K tn v ng du)


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c lp T doHnh phc

-------o0o------

THA THUN K QU

S [M Cn]/[Tn D n]/TTKQ

Hm nay, ngy thng .. nm ...ti .., chng ti gm c:

CH U T:

Giy Chng nhn ng k kinh doanh s ..do Phng ng k Kinh doanh S K hoch v u t.., cp ln ungy..

a ch : []

in thoi : . fax:.

S ti khon : ..m ti Ngn hng ..

i din bi : . Chc v: ..

(theo giy y quyn s ..ngy )

(Sau y gi l Bn A/Ch u T)

v

1BN K QU:

ng (b):

S CMND h chiu s:.cp ngy:ti C

H khu thng tr:.

a ch lin h:..

in thoi:

Email:

(Sau y gi l Bn B/Bn K Qu)

Xt rng:

- Bn A, hin l Ch u t ca D n [...], a ch ti .. ("Dn"), c mong munkho st nhu cu thc t mua 2Cn H/Bit Th/NhLin k(Nh )ca cc Khch hng ti D n;

- Bn B c nhu cu vmong mun c muaNh ti D nkhi D n cBn A t chc m bn theo quy nh ca php luttheo Bn ng k nguynvng ngy . (Bn ng K),

Do , Cc Bn cng thng nht kktTha thun k qu ny sau y gi l ThaThun vi cc ni dung sau y:

iu 1: Ni dung tha thun

1.1. S tin k qu:

1Nu l Cng ty th ghi y cc thng tin nh Bn A.

2

Nu l Nh Dch V th thay Nh bng Nh Dch V.2

Bn K Qung k quvo mt ti khon trung gian s: [](Ti Khon KQu) ti Ngn Hng [] (Ngn Hng) vi s tin l: []3ng (Bngch:.) ("Tin K Qu") tham gia chng trnh kho st nhu cu muaNh ti D n v m bo nhu cu mua nh ny ca Bn K Qu l c thc khiD n c Ch u Tt chc m bn theo quy nh ca php lut.

Cc bn ng rng, cc bn s cng k mt Tha Thun Qun L Tin K Qu viNgn Hng v Tin K Qu s c Ngn Hng phong ta trong sut Thi Hn KQuv c hng li theo li sut theo chnh sch ca Ngn Hng thng nht viCh u T ti tng thi im .

1.2. Thi Hn KQu: Tnh t thi im Bn K Quthc t np Tin K Qutheo quy

nh ti iu 1.1 ca Tha Thun ny cho n khi Tin K Quc x l theo quynh ti iu 3 ca Tha Thun ny.

Bn K Quc trch nhim np Tin K Qu theo tin sau:

- t 1: []4ng trong vng [..] ngy k t ngy k kt Tha Thunny.

- Cc t tip theo: theo thng bo ca Ch u T.

Tin K Qu c hng li sut theo chnh sch ca Ngn Hng.iu 2: Cam kt ca ccbn

2.1. Cam kt ca Ch u T:

a) C trch nhim trin khaiD nv thc hin cc th tc m bn Nh theo ngquy nh ca php lut. Thi giand kinm bn Nh l thng []5;

Ch u T ng h trton b li sutv ph tr n trc hnm Bn K Quthc t phi tr cho Ngn Hng trn s tin Bn KQuphi vay ngn hngv NgnHng thc t gii ngn nu c trong sut Thi Hn K Qu sau khi tr i khonLi K Qu Bn K Qu c hng t Ngn Hng trong thi gian k qu (KhonH Tr)theo xc nhn ca Ngn Hng. lm r, cng vi vic c hng Khon H Tr ny, Bn K Qukhng c chm dt Tha Thun K Qu trong trnghp thi gian m bn b chm so vi thi gian d kin nu trn.

Vic xc nh Khon H Trs c thc hin bi Ch u Tv Ngn Hng chovay cn c trnc sHpng Tn Dng v Tin K Qu c Ngn Hng thc tgii ngnvo Ti Khon K Qu trn c s xc nhn ca Ngn Hng .

b) Ghi nhn nguyn vng ca Bn K Qu v vic mong mun l khch hng tim nngca Bn theo Bn ng K v gi Bn ng K ca Bn KQun n v tchc bn nh n V T Chc Bn).

c) Thng bo bng vn bncho Bn K Qucc thng tin lin quan n vic m bnbao gm thng tin vn V T Chc Bn Nh ca D n v thi gian t chc mbnNh trc ngy m bn.

2.2. Cam kt ca Bn K Qu:

a) Ngay khi c Ch u Txc nhn Nh m Bn K Qu ng knguynvng v tham gia chn mua c giao dch thnh cng th Bn K Qu c trchnhim thc hin vic k kt Hp ng Mua Bntheo chnh sch bn hng v thi hn c thng bo bng vn bn ca Ch u T ;

3ti a 70%gi bn.

4in s tin =15% Gi bn.

5in theo thi gian d kin k HMB cp nht nht


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Trng hp Bn K Quchm k Hp ng Mua Bn vi Ch u T theo thi hntrong thng bo ca Ch u T, th Bn K Qu ng rng trc khi k Hpng Mua Bn s thanh ton cho Ch u T khon tin pht vi li sut bng6[0,05%/ngy] trn tng Tin K Qu tnh t ngy n hn k Hp ng Mua Bn

theo thng bo ca Ch u T n ngy Bn K Qu thc t k Hp ng MuaBn.

b) Khng rt Tin K Qutrong sut Thi Hn KQu, tr trng hp cc bn c thathun khc;

c) hiu r thng tin v D n v hon ton t nguyn k kt Tha Thun ny nhmm bo cho cc cam kt ca mnh.

iu 3: X l Tin KQuTin K Qus c x l nh sau:

a) Trng hp (i) Bn K Qu tham gia chn mua Nh theo ng quy nh tiTha Thun ny v bn ng K v (ii) c Ch u Txc nhn Nh chnmua theo nguyn vng ca Bn K Qunu ti Bn ng K c p ng thTin K Qus t ng c khu tr vo tin thanh ton gi mua Nh theo Hpng Mua Bn.

b) Trng hp (i) Bn K Qukhng tham gia chn mua Nh theo thng bo bngvn bn ca Ch u Tnh nu tiim ciu 2.1ca Tha Thunny; hoc iiBn K Qu tham gia chn mua Nh v Ch u T xc nhn Nh mBn K Qu ng k nguyn vng theo Bn ng K c giao dch thnh cngcho Bn K Qunhng Bn K Qukhng thc hin cam kt ca mnh theo Bnng K theo thng bo ca Bn , th Tha Thun K Qu s chm dt v Bn KQuc trch nhim bi thng cho Ch u T ton b Khon H Tr m Ch uT chi tr cho Ngn Hng theo xc nhn ca Ngn Hng.Trng hp Bn K Qutham gia chn mua Nh theo ng quy nh ti Tha Thun ny nhng Nh m

Bn K Qu ng k nguyn vng theo Bnng K khng c xc nhn giaodch thnh cngcho Bn K Qu th Tha Thun K Qu s chm dtv Bn KQuc quyn yu cu Ngn Hng gii ta ton b Tin K Qu hon tr cho BnK Qu.

iu 4: Chuyn nhng Tha ThunKQu

Bn K Quc th chuyn nhng quyn v ngha v ca mnh theo Tha Thun nycho mt bn th ba khi i gibn gc tha thunchuyn nhng theo Mu nhkm Tha Thun ny cho Ch u Tkm theo bn gc Tha Thun ny v ii vicchuyn nhng Tha Thun ny phi c thc hin cng vi vic chuyn nhngton b cc tha thun khc c lin quan nu c v iii c Ch u Tng .

Bn nhn chuyn nhng c trch nhim k tha ton b cc quyn v ngha v caBn K Qutheo ni dung Tha Thun nyv cc tha thun khc c lin quan nuc.

iu 5: Hiu lc tha thun

Tr khi c tha thun khc bng vn bn ca Cc Bn, Tho Thun ny c hiu lc k

t ngy kv t ng chm dt khi Cc Bn thc hin xong cc quyn, ngha vca mnh theo Tha Thun.

Trnghp mtphn ni dung ca Tha thun ny b tuyn v hiu cng s khnglm nh hng n hiu lc ca cc ni dung cn li ca Tha Thun.

6Ghi theo mc li sut tng ng ca HDMB.

4

Tho Thun ny c lp thnh 03 ba bn v c gi tr nh nhau. Ch u Tgi02 hai bn, Bn KQugi 01 mt bn lm c s thc hin.

BN K QU I DIN CH U T


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Mu THA THUN CHUYN NHNG

(V/v: Chuyn nhng Tha ThunKQu)

Ngy thng nm , cc bn gm:

Bn K qu: ng (b): .

S CMND h chiu s:.cp ngy:ti ..

H khu thng tr:.

a ch lin h:..

in thoi:

Email:

v

Bn Nhn Chuyn Nhng: ng b: .

S CMND h chiu s: ..cp ngy: ti

H khu thng tr:.

a ch lin h: .....

in thoi: ... Fax nu c: ..

Email:

Sau khi tha thun, Bn K qung chuyn nhng ton b quyn v ngha v ca mnhtheo Tha Thun KQukngy gia Bn KQuv Ch u Tnh nh km(baogm c khon Tin K Qu ang k qu ti Ti Khon K qu cho Bn Nhn ChuynNhng v Bn Nhn Chuyn Nhng ng s k tha ton b cc quyn, ngha v caBn K ququy nh trong Tha Thun KQu k.

Bn K quv Bn Nhn Chuyn Nhng cam kt:

Vic chuyn nhng ny l hon ton t nguyn v cc thng tin nu trn l chnh xc;

Thc hin nghim tc ni dung Tha Thun KQuv Tha Thun chuyn nhng;

m bo cho Ch u T trnh khi bt k tranh chp, khiu ni, thit hi no phtsinh t vic chuyn nhng gia Cc Bn theo Tha Thun ny.

Tha thun ny c hiu lc k t thi im c Ch u T xc nhn.

Xc nhn v ng ca

Bn K qu

Xc nhn v ng ca

Bn Nhn Chuyn Nhng

XC NHN CACH U T


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CNG HO X HI CH NGHA VIT NAMc lp - T do - Hnh phc

------o0o------

THA THUN

(V/v Qun l,x l Tin K Qu)

S [M Cn]/[Tn D n]/TTXL TKQ

Cn c cc quy nh php lut ca nc CHXHCN Vit Nam ;

Cn c Tha Thun K Qu s ngy .../.../... k gia Cng ty v ng/B [] (Tha

Thun K Qu);

Cn c Hp ng tn dng s .... ngy .../.../... gia Ngn hng .v ............ cngcc vn bn sa i/b sung/thay th pht sinh (Hp ng Tn Dng);

Cn c nhu cu v tho thun ca cc bn,

Hm nay ngy .../.../..., ti tr sNgn hng ., chng ti gm:

1/ NGN HNG - a ch :- in thoi : Fax:- Ti khon (VND)s: M ti:-Ngi i din : Chc v:Theo Giy y quyn s: ngy ../../.... ca i din theo php lut ca Ngn hng (Sau y gi l Ngn Hng)

2/ CNG TY [.]- a ch :- in thoi : Fax:- Ti khon s : M ti:- M s thu :-Ngi i din : Chc v:Theo Giy y quyn s: ngy ../../.... ca(Sau y gi l "Ch u T")3/ NG/B- CMND s : do cp ngy- a ch :- in thoi : Fax:- Ti khon s : M ti:(Sau y gi tt l "Bn K Qu")(Ngn Hng, Ch u T,Bn K Quc gi chung l Cc Bn)

XT RNG:- Bn K Qu k ktTha Thun K QuviCh u Tngy .../.../.... (Tho ThunK

Qu) nhmk qumt khon tin (Tin K Qu) cam kt s tham gia ng k chnmua mtCn H/Bit Th/Nh Lin k(Nh ) thucd n .........(D n) khi Ch uT t chc m bn Nh theo ng quy nh php lut;

- Bn K Qy hin ang vay vn ti Ngn Hng theoHp ng Tn Dngs [] (Hp ng

2

Tn Dng) nhm mc ch vay vn thanh ton TinK Qu;

- bo m cho ngha v ca BnK Qui viNgn Hng theo Hp ng Tn Dng,

Nay, Cc Bn nht tr k kt Tha thun v vic qun l v x l Tin K Qu(ThaThun) nh sau:

IU 1.CAM KT CA CH U T

1.1 Ch u Tng giao choNgn Hng ng v y cc giy t sau:

a) Bn gc Tho Thun K Qu(bn giao cho Bn K Qu) v cc vn bn sa i, bsung (nu c);

b) Bn gc cc chng t np tin thanh ton theo Tho Thun K Qu;

1.2 Ch u Tng , trong sut thi gian c hiu lc ca Tha Thun ny, th:a) Mi sa i, b sung ni dung Tho Thun K Qugia Ch u Tv Bn K Qu

phi thng bo cho Ngn Hng.

b) Ch u Tkhng gii quyt bt c th tc no lin quan n vic th chp, cm c,mua bn/chuyn nhng, cho tng, tha k, k khai gp vn doanh nghip, hp tc, ccgiao dch khc ca Bn K Qu i viTinK Qu/Tho Thun K Qu v.v. khi chac kin chp thun bng vn bn ca Ngn Hng.

c) Ch u T ng Ngn Hngphong ta Tin K Qu v thc hin x l Tin KQu theo quy nh ti iu 4 Tha Thun ny.

1.3 Ch u T s thng bo cho Ngn Hng thi im m bn Nh ti D ntrc t nht01 ngy v ngay khi c kt qu giao dch i vi Nh m Bn K Qu ng k nguynvng theo Bn ng K. Trng hp giao dch thnh cng, Ch u T s thng bo choNgn Hng thi im k kt hp ng mua bn Nh ("Hp ng Mua Bn") vi Bn KQu trc t nht 03 ngy.

1.4 Ch u T c trch nhim thc hin y cc th tc theo quy nh ca php lut v theo

ng thi hnm bnNh tiD n m Ch u T cam kt Bn K Quctham gia ng k chn mua Nh .

1.5 Ch u Tcam kt thng bo ngay cho Ngn Hngbng vn bn trc t nht 03 (ba) ngylm vic tnh n ngy Tho Thun K Qub chm dt hoc c kh nng chm dt v b tc l do g.

1.6 Ch u T cam kt kt hp v h tr y Ngn Hng trong vic thc hin th tc nhnth chp ti sn, cng chng, ng k giao dch bo m v trong trng hp Ngn Hng xl TinK Qu thu hi nnh quy nh ti Tha Thun ny .

IU 2. CAM KT CA BN K QU

2.1 Bn K Qucung cphoc ng cho Ch u tgiao cho Ngn Hng ng v y ccgiy t sau:

a) Bn gc Tho Thun K Qu v cc vn bn sa i, b sung (nu c);

b) Bn gc cc chng t np Tin K Qutheo Tho Thun K Qu.

2.2 Bn K Qucam kt khng thc hin bt k giao dch no lin quan n Tin K Qu, cc

quyn ti sn pht sinh t Tho Thun K Qunh th chp, cm c, tng cho, mua bn,chuyn nhng, k khai gp vn doanh nghip, hp tcv.v. cho mt bn no khc tr khi cs ng caNgn Hngbng vn bn.

2.3 Bn K Qucam kt phi hp viNgn Hng trong qu trnh thc hin th tc th chp tisn, cng chng v ng k giao dch bo m theo quy nh ca php lut v yu cu caNgn Hng.


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2.4 Bn K Qung rng trong trng hp khon vay theo Hp ng Tn Dng cn cbo m bng ti sn khc th Ngn Hng c ton quyn quyt nh th t x l i viTinK Quv ti sn khc .

2.5 Bn K Qu ng rng khon li tin k qu Bn K Qu c hng theo quy nh caNgn Hng s t ng c Ngn Hng khu tr thanh ton cho mt phn khon li tinvay hng thng theo Hp ng Tn Dng.

2.6 Bn K Qucam kt rng vic k kt Tha Thun ny l hon ton t nguyn v ph hpvi ch ca mnh. Bn K Qucam kt khng khiu ni, khiu kin, ng thi min choNgn Hng, Ch u Tmi khon pht vi phm, bi thng thit hi (nu c) trong trnghpNgn Hng, Ch u Tthc hin ng ni dung cam kt ti Tha Thun ny.

2.7 Bn K Quthc hin mi ngha v cam kt trong Hp ng Tn Dng v cc vn bn,tha thun khc k kt viNgn Hng v Ch u T.

IU 3. CAM KT CA NGN HNG

3.1 Ngn Hng cam kt s thng bo bng vn bn cho Ch u T trong trng hp x l Tin K Qu thu n theo quy nh ti Hp ng Tn Dngv chu trch nhim v tnh chnhxc, hp php ca thng bo ny .

3.2 Ngn Hng thc hin thm nh v xt duyt khon vay ca Bn K Qy theo ng quy nhca php lut v caNgn Hng.

3.3 Ngn Hng thc hin vic gii ngn khon vay cho Bn K Qy vo ti khon k qu mtiNgn Hng theo ng quy nh ca Hp ng Tn Dng v Tha Thun K Qy v ThaThun ny.

3.4 Ngn Hng cam kt s t chu trch nhim v min tr cho Ch u T mi lin quan vbo m Ch u T khng chu bt c trch nhim no trong cc quyt nh x l Tin KQucaNgn Hng i vi Bn K Qykhi Ch u T thc hin cc trch nhim linquan theo quy nh ti Tha Thun ny .

IU 4. X L TIN K QU4.1 Ch u T v Bn K Qu ng rng Tin K Qu s cchuyn vo ti khon k qu

m tiNgn Hng v c Ngn Hng phong ta, x l theo ng quy nh ti iu ny.Tin K Qu s c p dng mc li sut do Ngn Hng thng nht vi Ch u T titng thi im

4.2 Trong thi gian phong ta, Bn K Qu ng s dng Tin K Qu m bo cho ccngha v n ca Ch u T ti Ngn Hng.

4.3 Khi Bn K Qy chn mua thnh cng v k Hp ng Mua Bn, th Tin K Qu s ckhu tr vo tin thanh ton gi muaNh theo Hp ng Mua Bn c k kt gia BnK Qy v Ch u T, tr trng hp Cc Bn c tha thun khc. Theo , ngay khi Chu T/Bn K Qu cung cp cho Ngn Hngbn gc Hp ng Mua Bn (bn giao choBn K Qu), thNgn Hng s gii ta Tin K Qu v chuyn cho Ch u T t hanhton gi mua Nh theoHp ng Mua Bn.

4.4 Ch u Tc trch nhim chuyn Khon H Tr theo iu 2.1 (a) ca Tha Thun KQucho Ngn Hng vo ngy Tha Thun K Qu chm dt.

4.5

Ngn Hng c quyn x l TinK Qu thu n theo quy nh ti Hp ng Tn Dng trong cc trng hp sau:

a) Tho Thun K Qub chm dt, hy b v bt k l do g, tr trng hp Nh mBn K Qu ng k nguyn vng theo Bn ng K c giao dch thnh cng choBn K Quv Bn K Qu tin hnh k kt Hp ng Mua Bn vi Ch u T.

b) Bn K Qyvi phm ngha v tr n theo Hp ng Tn Dng v cc vn bn, tha

4

thun c lin quan; hoc Bn K Qykhng thc hin ngha v hon tr, thanh ton choNgn Hng trong trng hp Hp ng Tn Dng b v hiu, hy b, chm dt.

c) Nh m Bn K Qu ng k nguyn vng theo Bn ng K c giao dch thnhcng cho Bn K Qunhng Hp ng Mua Bn khng c k kt v bt c l do gv/hoc Bn K Qukhng hon thin cc th tc th chp ti sn theo yu cu caNgn Hng m bo cho ngha v ca Bn K Qytheo Hp ng Tn Dng

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