To meet their shopping spending needs, many people have chosen to take out consumer loans at HD Saison. However, before the outbreak of the Covit -19 epidemic, many workers were paralyzed and lost their income. In order to share the burden for customers, HD Saison has a debt relief program. Join Banktop to find out how HD Saison extends debt right here.
About HD Saison Financial Company
HD Saison Company is known as one of the leading prestigious financial companies in Vietnam. Currently, the company is supporting lending for main products including: cash loans, installment purchase of motorbikes, installment purchase of electric appliances, etc.
HD Saison was established in 2007 with 100% foreign investment. In 2013, HDBank acquired HD Saison and changed its name to HDFinance. In 2017, with the capital contribution of Credit Saison, HDFinance was changed back to the old name of HD Saison.
Full information about HD Saison:
| Full name | HD SAISON Finance Company Limited (LLC) |
| English name | HD SAISON Finance Co.,Ltd |
| Transaction name (Abbreviated) | HD SAISON |
| Headquarters | 8th floor, 9th floor, 10th floor, Gilimex building, number 24c Phan Dang Luu street, Binh Thanh district, Ho Chi Minh city. |
| License to operate | 67/GP-NHNN dated November 1, 2017 |
| Tax code | 0307672788 |
| Call Center (Hotline) | 1900 558854 |
| thongtin@hdsaison.com.vn | |
| Number of workers | More than 9000 employees |
| Branch number | 20,000 service referral points in 63 provinces/cities |
| general manager | Mr. Nguyen Huu Nhan |
| Website | hdsaison.com.vn |
What is HD Saison debt relief?
Debt rescheduling is HD Saison's acceptance of extending the repayment period of principal and interest. The repayment period of the customer will be longer than the agreement stated in the contract to support the borrower.
Responding to Circular 01/2020 of the State Bank of Vietnam, from March 14, 2020, HD Saison has implemented a policy of loan interest exemption and reduction, debt repayment term structure and debt group retention for many customers. row. This is considered a special policy of HD Saison to share less financial burden for customers during the global crisis.
Why do you need to extend your loan at HD Saison?
When the job is favorable, employees will have a stable income. They often tend to take consumer loans from HD Saison financial company to shop for themselves, their families, and improve their quality of life. That installment will only make up a portion of their income.
However, before the sudden outbreak of Covit -19 disease caused workers to lose their jobs and cut wages. The sudden decrease in income makes monthly installment loans a burden for many workers, they still struggle to make ends meet every day.
Although also greatly affected by the Covid-19 epidemic, in the spirit of always understanding customers, HD Saison's "good leaves cover torn leaves" HD Saison has supported debt relief for many customers. Thanks to that, it helps customers to partly reduce their financial burden during the epidemic season.
Instructions for loan extension at HD Saison
The loan extension at HD Saison is not automatically granted, but when required, customers need to contact HD Saison at hotline 1900 558854 for support. Or you can also follow the steps below.
- Step 1: Access to HD Saison's website by following the link: https://www.hdsaison.com.vn/vn/giahankhoanvay.html.
- Step 2: Here will display the loan extension request form, the customer proceeds to fill in all the information on the form, including: Customer's full name, Credit contract number (HDD), ID card/CCCD number, Date Year of birth, Phone number registered when making a credit contract, Current residential address, Loan term of the credit contract, Payment status of the credit contract, Reason for late payment, Request for support, Request details...
- Step 3: Check the information again and then tick "I confirm the information provided above is completely correct". Finally, click “Submit” to send the proposal to HD Saison.
- Step 4: After the ticket is sent, HD Saison will receive the information and verify the information. If the borrower is subject to loan extension, HD Saison will accept and notify the borrower.
Is HD Saison overdue debt okay?
Overdue debt is the customer's breach of the contract and failure to pay the debt on time. Delayed debt payment will have many consequences such as:
Penalty fee incurred
When falling into overdue debt HD Saison, customers will have to pay a penalty fee of 150% interest. Therefore, when paying late debts, in addition to the principal and interest when paying on time, customers will have to pay a penalty fee depending on the number of days of late payment.
HD Saison bad debt
HD Saison operates under the regulations of the State Bank of Vietnam. Therefore, loan information, including overdue debt of customers, will be recorded at CIC - Credit Information Center. Depending on the number of days of late payment, customers will be considered for different bad debt groups:
- Group 1: Debt payment is less than 10 days late.
- Group 2: Late payment from 10 to 90 days.
- Bad debt group 3: Late payment from 91 to 180 days.
- Group 4 bad debt: Late payment from 181 to 360 days.
- Bad debt group 5: Payment of loans over 361.
When involved in bad debt, it will be difficult for customers to get loans at banks or other financial institutions. At the same time, it will take a long time to write off bad debt.
Note to avoid bad debt at HD Saison
It can be seen that the bad debt of HD Saison will leave many bad consequences and greatly affect the credit history of customers. Therefore, in order not to get bad debt at HD Saison, you need to note a few things as follows:
- To ensure no late payment, you should pay 3-7 days in advance, if problems arise, they can be handled promptly.
- Use automatic payment authorization so that every payment period, the bank will automatically pay money to HD Saison, avoiding the case that the "goldfish brain" forgets the debt payment date.
- If you can afford to pay, you should take the initiative to pay off the loan before the due date, although there will be a fee, it will reduce the pressure of repayment and do not worry about bad debt.
Conclusion
So above, Banktop has answered you some information about the problem HD Saison debt relief. Hopefully, the article has helped you know how to extend your loan at HD Saison to reduce your financial burden during difficult epidemic times. Don't forget to pay your debt on time to avoid becoming the subject of HD Saison's bad debt.
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