Lotte finance is one of the famous credit lenders in Vietnam today. But recently there is information like Lotte finance scam appear quite confusing for users. So what's the point of this problem? Let's find out more details in the shared analysis below.
About Lotte Finance
Lotte finance is a one-member limited financial company under Lotte Vietnam group and referred to as Lotte Fin for short. In particular, the parent company of Lotte Finance is one of the largest economic groups in Korea doing business in many fields from shopping to finance.
Lotte started to expand into the financial business since LotteCard completed a contract to buy a Vietnamese financial company in 2017. By 2018 it was officially licensed by the State Bank of Vietnam to operate in financial sector. Some of the prominent business segments that Lotte Finance promote business investment today are:
- Open a bank credit card
- Unsecured lending
- Loans online
- Sell insurance
Is it safe to borrow Lotte Finance money?
Lotte finance scam? Is Lotte finance safe? These are all concerns and questions of the majority of consumers today when they have not really studied carefully about this credit lending unit. If you look closely at all aspects, it can be seen that when choosing any loan form of Lotte Finance, customers are legally protected because the company has been registered with the state and approved by the Bank. state licensing in the industry. Next, all services are provided by Lotte - the largest financial group in Korea. When the customer makes any loan, the information is saved and approved by this unit.
Real information about Lotte Finance fraud, loan sharking?
Information lotte finance scam appearing today is all genuine information. This may happen because the customer does not learn carefully about the loan interest rate, loan form, payment method, etc. Lotte Finance scams customers.
This situation can also occur due to the fault of the consultant not carefully advising on each item when making a loan for the customer. Leads to customers having incorrect information about loans, loan interest rates, loan fees, loan insurance fees, etc.
For example, you have made a loan and the payment is due on the 10th of every month. But you do not pay attention to the payment deadline, or submit it at the end of the payment day. Or maybe the 10th falls on a holiday, a weekend, etc., leading to a delayed loan and you have to pay additional debt fees. This case is an error caused by customers and employees of Lotte Finance who are responsible for reminding. But this reminder makes the borrower feel troublesome and leads to thinking Lotte Finance is a fraud and usury.
Should I borrow money from Lotte Finance?
The problem of lotte finance scam is not true at all, so users can be completely assured when choosing to borrow money at Lotte Finance. But to be able to borrow money at Lotte Finance, customers need to ensure the following conditions:
- Must be aged 20 or older and not older than 60. Regardless of gender and have daily consumer loan needs.
- Customers must prove their monthly income. Must have a minimum income of 3 million VND/month
- Have valid ID/CCCD according to the regulations of the papers
When customers fully prepare these documents and have clean financial information and no bad debt stored on CIC, they can easily complete the loan application.
Steps to borrow money at Lotte Finance
To apply for a loan at Lotte finance, customers need to register for a loan and perform loan appraisal in turn as follows:
- Step 1: Need to directly access Lotte Finance's website or app
- Step 2: Fill in the available registration form of Lotte Finance
- Step 3: Click submit application and wait for staff to check your credit history on CIC and get back to you
- Step 4: Return appraisal results and receive loan disbursement immediately.
Note: Please ask the staff carefully for information about the loan including payment time, loan interest rate, additional fees if any, etc. to be answered in detail by the staff to avoid unexpected troubles. .
Where to pay Lotte Finance loan?
To pay a lotte finance loan, you need to do the following simple steps:
- Method 1: Make cash payments at counters of partners associated with VNPost, Momo, Vietinbank, Payoo
- Method 2: Pay online, transfer money online via Momo e-wallet, Payoo online or via Woori Bank accounts
- Method 3: Debit automatically at Vietcombank or Shinhan Bank. Note, if paying via this bank, customers need to bear additional collection fees.
Flexible and intelligent payment methods make it the most convenient for customers to pay their loans. Save time and costs.
Lotte Finance's communication channel
For a more detailed answer to the problem lotte finance scam or to find out more information about loans at Lotte Finance, you can contact via:
- Address: 4th Floor, 12A Floor, West Tower, Lotte Center Hanoi, 54 Lieu Giai, Ba Dinh, Hanoi
- Domestic customer care hotline: 1900 6866 (24/7)
- Foreign Customer Care Call Center: +84 247 302 0202 (24/7)
- Website: https://www.lottefinance.vn/
- Fb: Facebook.com/LOTTE FinanceVietnam/
Some frequently asked questions when borrowing money at Lotte Finance
Besides the problem of scam lotte finance, you need to pay attention to the following issues:
Can I borrow more at Lotte Finance if I have a loan from a bank?
If you have another loan at another bank, you can still get a loan at lotte finance when you meet the following conditions:
- Loans made at Lotte Finance need to borrow at least 3 months or more
- No late payment at any time as specified in the contract
- Do not owe too much about the remaining amount or owe too much to credit institutions
- PTI cannot exceed 50-70% depending on the regulations of the financial company
Is it okay to pay late at Lotte Finance?
If customers make late payment at lotte finance, they will have to pay an additional penalty fee. At the same time, the staff will contact the customer to remind the deadline.
Can bad debt get a loan from Lotte Finance?
For customers who already have bad loans, currently lotte finance does not support these customers. To get a loan at lotte finance, please pay off that bad debt before making a new loan.
Experience of borrowing money from Lotte Finance to avoid fraud and lose money
To make a loan at lotte finance to avoid being scammed and lose money unjustly, you need to note the following points:
- It is necessary to carefully check the loan information, loan package as well as the loan process at the main page of LOTTE Finance.
- Make the right transaction at Lotte Finance Transaction Point
- Customers do not need to pay staff any support money when making transactions at Lotte Finance
Conclusion
So we have shared the details lotte finance scam are not. Hopefully these shares will bring useful information to you and help you choose the loan package and loan that best suits your needs.
The article was edited by: Banktop.vn
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