TPBank's unsecured loan appraisal process in 2022 is information that many customers seek and are interested in when taking out a loan. Understanding these questions that need to be clarified, Banktop sends you the following detailed analysis article.
What is TPBank's unsecured loan appraisal process?
Appraisal process TPBank unsecured loan is the process by which TPBank verifies customers' application for unsecured loans. This is to ensure that customers can choose the right loan product and service package for themselves. Is the information provided by the customer correct?
This helps to ensure that customers are not pressured and insolvent. Cash flow in the state economy is guaranteed to be delivered to the right customers, avoiding bad debts that affect the economy and society.
Advantages of TPBank unsecured loans
TPBank's unsecured loan has the following great advantages:
- TPBank's unsecured loan products are diverse and flexible for each customer
- The procedures and conditions to apply for an unsecured loan are very simple
- The interest rate is only from 1%/year and according to the gradually decreasing loan balance to reduce the monthly pressure on customers
- Long loan term, up to 36 months
- Quick disbursement time suitable for customers with urgent loan needs
Limitations of TPBank unsecured loans
In addition to the advantages mentioned above, when taking an unsecured loan at TPBank, the following limitations can be clearly seen:
- Customers need to provide and confirm their exact monthly income
- Need to provide income statement of the last 6 months for TPBank appraisal department
- The current TPBank banking system is only concentrated in big cities, difficult to access for customers in small provinces and cities who need unsecured loans.
Types of unsecured loans at TPBank
When applying for an unsecured loan at TPBank, customers can choose from the following 4 forms:
- Unsecured loan according to salary
- Unsecured loans under the life insurance contract
- Borrow according to utility bills such as electricity, water, internet, ...
- Borrowing under installment contracts, old contracts
Conditions and procedures for unsecured loans TPBank 2022
To get an unsecured loan at TPBank, customers need to meet the following conditions:
- Be a Vietnamese citizen and be between the ages of 18 and 60
- Have a stable job for 3 consecutive months
- Having a permanent residence at the office or transaction branch of TPBank
- Monthly income of customers must be over 4 million
- No history of bad debt at other banks in Vietnam
- Depending on the specific loan product, customers need to provide full registration documents to TPBank upon request.
See more: Check TPBank loan documents
In response to the above conditions, before going to TPBank's unsecured loan appraisal process, customers need to prepare the following procedures:
- ID card or CCCD card is valid
- Registration book
- Driving license (if any)
- Labor contract
- Bank statement of the last 6 months to confirm income level
- Application form for loan registration according to the form provided by TPBank
- Loan contract according to the form provided by TPBank
- Other types of additional documents according to the unsecured loan product package selected by the customer
TPBank's unsecured loan appraisal process
To answer the question posed at the beginning of the article, we can encapsulate the TPBank unsecured loan appraisal process including the following 5 steps:
Register for unsecured loans at TPBank
When applying for an unsecured loan at TPBank, customers can do it in two ways:
Apply directly at the nearest bank branch in the area where you live or where you have permanent residence
Apply for an online unsecured loan on the bank's website:
- Step 1: Visit TPBank's website homepage
- Step 2: Select “Borrow” in the menu bar at the top corner of the screen
- Step 3: Choose the right loan service package according to your needs
- Step 4: Select loan application and fill in the information required by the application
Loan advisor and information verifier
Next, the bank will call to confirm the appraisal process for TPBank's unsecured loan, and advise on information about the loan package that the customer has selected. Or the bank's staff will come to advise customers directly to ensure that the information is communicated clearly and completely.
Prepare necessary documents and procedures
At this time, customers need to prepare the following procedures to be appraised:
- Notarized copy of ID card
- Notarized copy of passport
- Proof of income such as a working contract at the company or a bank statement of the last 6 months
TPBank conducts loan appraisal
This is considered the most important step in the TPBank unsecured loan appraisal process, because if the application is not approved, the customer will not be able to borrow at the bank. TPBank will evaluate customer records through the following 6 question criteria:
- Is the customer's personal information complete and accurate?
- Is the level of income provided by the customer correct or not?
- Is the customer's household registration in an area where unsecured loans are supported?
- Is the customer facing a problem with the law (currently serving a criminal record)?
- Is the customer's score on the bank's CIC system in the group of subjects that are refused loans?
- Is the registered loan package suitable for the customer's monthly income?
Announcement of loan appraisal and disbursement results
Finally, the customer will be notified by the bank whether he has successfully obtained an unsecured loan at TPBank. If successful, the bank will notify the customer about the disbursement time. If unsuccessful, the bank will explain in detail the reason for failure and which loan criteria the customer violated.
How long does TPBank disburse unsecured loans?
Normally, after the application file has been approved and confirmed, the customer will receive the disbursement within 1 to 4 working days. However, if the application has problems or is missing information, the time may be extended by 1 or 2 working days.
Conclusion
With the information analyzed and mentioned above about TBBank's unsecured loan appraisal process In 2022, Banktop hopes to have all your questions answered. If you still have questions, please visit the "News" section to find more necessary information.
The article was edited by: Banktop.vn
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