Unsecured loans from Vietinbank with the lowest interest rate 2022

Unsecured loans Vietinbank According to salary, preferential interest rate is only from 0.8% - 1.9%/month, support for quick disbursement from 1-2 working days, simple application. One of the most popular forms of loans today is unsecured loans. Many banks have implemented this service.

If you are still confused between dozens of options, do not know which bank will provide the right loan package for you. Please refer to the service Unsecured loans according to Vietinbank salary in the article below.

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What is Vietinbank unsecured loan?

Vietinbank unsecured loan is an unsecured consumer loan package of Vietnam Joint Stock Commercial Bank for Industry and Trade for individual customers with salary income. Borrow money according to payroll Vietinbank does not need appraisal assets, based on income and credit history to approve a maximum loan limit of VND 300 million for consumption purposes, personal expenses...

Features of unsecured loan package Vietinbank:

Loan limit: up to 300 million VND and not more than 12 times the income.

Loan maturity date: Up to 60 months.

Debt payment method: Pay monthly principal and interest.

Interest rates: Apply unsecured lending interest rates according to the bank's regulations.

Types of unsecured loans from Vietinbank

Types of unsecured loans according to Vietinbank's salary include:

Borrow by salary, borrow by ATM card

Borrowing by household business

Borrowing according to motorbike registration

Borrowing under a life insurance policy

Borrowing according to electricity bill

Borrowing under other party's credit contract

Advantages of unsecured consumer loans from Vietinbank

The Vietinbank loan package has many outstanding advantages such as:

The loan process is easy and simple.

No collateral required.

Disbursement from 2-3 working days

The maximum loan can be up to 300 million VND.

Flexible loan term up to 5 years.

Flexible form of interest payment

Attractive and competitive interest rates.

Interest rates apply according to the bank's regulations

Vietinbank unsecured loan interest rate

Currently, compared to the market, the interest rate when applying for a salary unsecured loan at Vietinbank is considered to be quite favorable, only from 9.6%/year. As follows:

Product

Interest rate (year)

Maximum loan

Minimum income

Loan form

Unsecured loans for employees

Employee trust

9.6%

300 million won

3 million won

Salary loan

Borrowing overdraft card

9.6%

500 million won

3 million won

Salary loan

How to calculate interest when Unsecured loans according to Vietinbank salary calculated in two ways:

Interest on the reducing balance: Customers will pay monthly interest based on the decreasing balance, the interest rate is calculated on the actual amount you still owe after you have paid the principal in the previous months. The formula is as follows:

Monthly principal = loan amount/loan number of months

First month interest = loan amount * monthly interest rate

Interest in the following months = remaining principal * interest rate

Interest on the principal balance: This is a form of interest payment, the interest code will be calculated on the original loan amount during the loan term. Calculated according to the formula:

Monthly interest rate = annual/12 month interest rate

Monthly interest = principal amount * monthly interest

Total monthly payment = principal/12 months + monthly interest

Each form of interest payment has its own advantages. Staff at Vietinbank will advise carefully to help you choose a method of calculating interest that suits your abilities and needs.

Find out what is a short-term loan?

Conditions for unsecured loans according to Vietinbank salary

Condition when Unsecured loans according to salary at Vietinbank extremely simple. Borrowers need to pay attention to meet the following conditions:

Customers are between the ages of 21-58.

Being an officer or employee with a monthly income of 4.5 million VND or more.

Have a labor contract or determine the minimum salary of 12 months.

Having a clear purpose of using the capital, not violating the law.

The source of repayment is feasible and consistent with the conditions stated in the loan contract.

Customers have no bad debt at any lending institutions or banks.

Customers living and working in the area where Vietinbank's main branch is located.

Instructions for unsecured loans of VPBank with the lowest interest rates

Vietinbank unsecured loan documents

In addition to the above conditions, customers when using the service unsecured loan At Vietinbank, it is necessary to pay attention to the necessary documents when making documents. Specifically as:

Application for unsecured consumer loan cum debt repayment plan certified by the labor management agency (paper form provided by Vietinbank).

Copy of ID card/passport/citizen identity card.

Copy of household registration / KT3 and documents confirming current residential address (if any).

Copy of labor contract or equivalent document.

Original salary account statement/ pay slip/ pay slip/ salary confirmation to qualify for unsecured loan (depending on the type of business).

Vietinbank's unsecured loan process

Step 1. Apply for a loan: You can register installment loan at the counter or register online on the bank's official website. Regardless of the form of registration, you can rest assured to receive the advice and enthusiastic help of the consultants.

Step 2. Prepare documents: This is a very important step, the borrower needs to pay attention to prepare all the required documents, to avoid omissions that disrupt, delay in the procedure or miss out on benefits and incentives.

Step 3. Appraisal: If you meet the requirements when Unsecured loans according to Vietinbank salary At the same time, your loan application is complete, you will quickly be assessed for a loan

Step 4. Approval: The consultant will submit the application and appraisal report to the review officer for inspection, review and re-evaluation (if necessary) and submit it to the competent authorities for approval.

Step 5, Disbursement: After the loan is approved, the accounting department is responsible for disbursing the unsecured loan to you.

Some questions when applying for unsecured loans from Vietinbank

Can group 3 bad debt get unsecured loans from Vietinbank?

Vietinbank does not support bad debt customers to borrow money.

How long does it take to disburse after the application is approved?

After the loan is approved, the customer can receive the money within 24 hours.

Is it possible to pay off the application before the due date?

Customers can pay off their documents before the due date at any time during the repayment cycle.

Conclusion

The above article has provided you with the most basic information about the service unsecured loans Vietinbank. We hope we have fully answered your questions, helping you to choose the most accurate fast loan solution!

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