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NGH PHT HNH TH TN DNG QUC T

KIM HP NG S DNG TH (KHNG C TI SN BO M)


Knh gi:

Ngn hng TMCP K thng Vit Nam (Techcombank)

ngh Techcombank pht hnh Th tn dng cho ti theo ni dung sau y: (Cc thng tin c du * l thng tin bt buc cung cp)

A. THNG TIN YU CU PHT HNH TH TN DNG


Loi th*:

Loi pht hnh*:

Techcombank Visa

Vietnam Airlines Techcombank Visa. S th GLP..............................................................................

MercedesCard

Khc, ghi r: ........................................................................................................................................

Pht hnh mi

Thay th th ht hn (NH s thc hin kho th c khi pht hnh th mi)


Hn mc tn dng ca th thay th:

Th dnh cho khch


hng Priority*:

Khng

Hng th*

Chun

Vng

Gi nguyn hn mc th
Thay i hn mc (c th): ..........................................

Platinum

Khc, ghi r: ........................................................................................................................................

Nu khng c cp th theo hng th nh trn, ti ng cp th hng thp hn theo quyt nh ph duyt ca Techcombank:
Hnh thc tr th*:

Qua bu in (theo a ch lin lc)

Khng

CN/PGD tr th:.................................................

ng k kch hot tnh nng thanh ton qua internet *:

Th chnh

Th ph

Th chnh v th ph

ng k hnh thc nhn sao k*:

Qua bu in

Qua email

C 02 hnh thc trn

B. THNG TIN C NHN CH TH CHNH


Giy t
nhn thn*

H v tn (ch in hoa) *
(H)
.......................
D

Ngy sinh*:
Gii tnh*:

(M)
..............................

Nam

D
N

a ch theo h khu*:

a ch tm tr*:

(TN)
.................................
Y

Ngy cp:

CMND/
D

H chiu S: ...................................................................
M

Ni cp: ..................................................

Quc tch:...................................................

in thoi di dng*:................................................

in thoi nh ring*: ( .................. ) .............................................................................

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

.........................................................................................................................................

S nh......................................................................

ng...............................................................................................................................

Phng/x:..............................................................

Qun/huyn:.........................................

S nh.....................................................................

ng................................................................................................................................

Phng/x:.............................................................

Qun/huyn:.........................................

S nh ...................................................................

ng................................................................................................................................

Phng/x:............................................................

Qun/huyn:.........................................

Tnh/Thnh ph: ........................................

(nu khc a ch theo h khu)

a ch lin lc*
/a ch gi sao k:

Trnh hc vn*:
i hc

Di PTTH

PTTH

Cao ng/trung cp

Trn i hc

Khc: ...........................................

Hnh thc s hu nh *:

Tnh/Thnh ph: ........................................

Tnh/Thnh ph: ........................................

Tnh trng hn nhn*:


c thn

lp gia nh

Ly hn, ga

Loi phng tin i li*:

Nh ring c din tch 100 m

Nh ring c din tch < 100 m2

cng b m

i thu

nh bn b, h hng

t con (thuc s hu)

Xe gn my

Phng tin giao thng cng cng

Phng tin khc: ................................

Tn trng hc u tin*:...............................................................................................................................................................................................................................................

C. THNG TIN NGH NGHIP CH TH CHNH


Tn c quan hin ti*: ...................................................................................................

in thoi c quan*: ( ........ ) ...................................... Fax: ( ....... )........................

S nh: .......................................................................

ng: .............................................................................................................................

Phng/x: ................................................................

Qun/huyn: ................................................. Tnh/Thnh ph: .....................................

...............................................................................................

Thi gian lm vic ti c quan hin tai*: ......................................................thng

Thm nin cng tc*


tnh t khi bt u i lm: ........................................nm....................................thng

Loi hp ng lao ng*:..............................................................................................

a ch c quan*:

V tr cng tc*:

Hnh thc nhn lng*:


Tin mt

Chuyn khon qua Techcombank

Chuyn khon qua ngn hng khc (tn ngn hng:................................................)


MB01-QT.CARD/01

< 1 nm

Khng xc nh thi hn

1-3 nm

Khc (ghi r): ........................................................

Ngnh ngh hin ti:..................................................................................................

Ngy hiu lc: 09/09/2012

Ln ban hnh/sa i: 03/00

D. THNG TIN NGI LIN H (Khng phi v/chng)


Quan h vi ch th chnh: ...................................................................................................................................

H v tn*
(H)
..........................

(M)
.............................

a ch lin lc*

(TN)
..............................

in thoi di ng*: .........................................

in thoi nh ring: ( ......... )............................................

S nh: .................................................

ng: ..................................................................................................................................................................

Phng/x: ..........................................

Qun/huyn: ..................................................

Tnh/Thnh ph: ................................................................

Trng hp Ngn hng TMCP K Thng Vit Nam (Techcombank) khng lin h c trc tip vi ti/ chng ti thng bo cc thng tin cn thit, xin vui lng lin h vi
ngi c thng tin ni trn.

E. THNG TIN GIA NH (v/chng ch th chnh, nu c)


Giy t
nhn thn :

H v tn (ch in hoa) *:
(H)
...............................

(M)
....................................

Ngy sinh:

(TN)
........................................

Ngy cp:

TDD*: ................................................ TCQ (..............).......................................

H chiu S:.........................................................

CMND/
D

Ni cp: ........................................................

Quc tch:..............................................

Chc v: .....................................................

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

Tn c quan cng tc*: ................................................................................................................................................................................................................................................


a ch c quan:

S nh: .....................................................................

ng: .............................................................................................................................

Phng/x: ..............................................................

Qun/huyn: .................................................

Tnh/Thnh ph: ..................................

F. KH NNG TI CHNH
1. Tng thu nhp ch th chnh* (A):................................................VN/thng
Ngi vay

2. Tng chi ph gia nh*(B):

V/chng ngi vay

.......................................................VN/thng

- Chi ph sinh hot: ............................................................................................................

Lng c bn

- Chi ph hc hnh/o to:................................................................................................

Ph cp

- Chi ph thu nh:..............................................................................................................

Thu nhp khc

- Chi ph khc:....................................................................................................................

M t thu nhp khc: .......................................................................................................

M t chi ph khc:..............................................................................................................

..........................................................................................................................................

.............................................................................................................................................

Thu nhp tch ly hng thng* (A+C-B): .......................................................VN

S ngi khng c thu nhp trong gia nh* (ghi r):.............................................

3. Tng thu nhp ngi khc trong gia nh (C): ...................................VN/thng

S ngi c thu nhp trong gia nh* (ghi r): .......................................................

4. Loi ti sn: ............................................................................. .......................................

Tng gi tr ti sn hin ti: ................................................................................VN

G. THNG TIN GIAO DCH TI NGN HNG


Ti khon tin gi thanh ton
ca ch th chnh*:

Ti Techcombank, S ti khon

(nu l ch n v chp nhn th ca


Techcombank th l ti khon th hng)

Ti T chc tn dng khc

Khng c

Quan h Tn dng vi Techcombank*

c quan h

Cha c quan h

Cc khon vay ti Techcombank v cc T chc tn dng khc


Tn n v

Hnh thc quan h

S tin vay

D n cn li

S tin phi tr (thng)

1)
2)
3) ang s dng th tn dng ca Ngn hng (nu c): ............................................

Tng hn mc th tn dng c cp thi im cao nht: .....................................................

H. NG K THANH TON T NG D N SAO K (b trng nu khng ng k)


S ti khon tin gi thanh ton ca ch th chnh ti Techcombank:
(khng cn in li nu cung cp mc G)

S tin t ng ghi n:

Gi tr thanh ton ti thiu

S d n sao k

I. THNG TIN CH TH PH (nu c)


H v tn ch th ph (ch in hoa) *
(H)
............................
Ngy sinh*:

MB01-QT.CARD/01

Giy t
nhn thn *:

(M)
..............................
D

(TN)
...........................
Y

Ngy cp:

CMND/
D

Ni cp: ...............................
Ngy hiu lc: 09/09/2012

H chiu S:.............................................................................
M

Quc tch: .....................

Gii tnh:

Nam

Ln ban hnh/sa i: 03/00

S nh: .............................................................

ng: ........................................................................................................................................

Phng/x: ......................................................

Qun/huyn: ............................................................

in thoi nh ring:

( ............. )........................................................

Quan h vi ch th chnh: .........................................................................................................

in thoi di ng:

.........................................................................

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

a ch lin lc

Hn mc tn dng
ngh*:

Tnh/Thnh ph: .................................

Bng hn mc c cp cho th chnh


Khc, ngh ghi c th: ....................................... (Trong trng hp, hn mc tn dng c cp cho th chnh nh hn gi tr ny, hn mc
tn dng ca th ph s c ngn hng cp bng hn mc tn dng ca th chnh)

J. THNG TIN KHC


Ti bit n sn phm th tn dng ca Techcombank qua (cc) knh:
Bo
Internet
Truyn hnh

Radio

Bn b/ Ngi thn

Qung co ngoi tri

Chi nhnh Techcombank

Khc, c th..............................................

K. QUY NH V S DNG TH

1. Hn mc s dng th
Ch th phi s dng Th theo ng hn mc s dng theo qui nh ca NH bao gm nhng khng gii hn bi
cc hn mc rt tin trong mt ngy, hn mc thanh ton trn internet
- Nu Ch th c nhu cu thay i hn mc s dng, Ch th phi lin h vi NH c xem xt v thay i theo
quy nh ca NH ty tng thi im.
Cc hn mc trn s c NH quy nh ti tng thi k theo tng gi dch v/hng Th, Ch th ng k s dng.
2. Phm vi s dng Th:
- Th c s dng thanh ton tin hng ho, dch v, gi, np, rt tin mt v s dng cc dch v khc t h
thng ATM v h thng chp nhn th ca NH v Cc NH c h thng th kt ni vi h thng th ca
Techcombank di hnh thc kt ni trc tip hoc gin tip thng qua mt hoc mt s t chc trung gian.
- Ch th cng c th s dng thng tin Th v thng qua vic s dng cc yu t nh danh Ch th nh s PIN
v/hoc m s mt thc hin giao dch MOTO v cc giao dch khc theo ng k vi NH hoc thc hin ngay
sau khi Ch th th c kch hot, ty theo quy nh ca NH tng thi k:
Giao dch MOTO (Mail Order/ Phone Order) l giao dch m ch th s dng thng tin th t mua hng
ha, dch v t n v chp nhn th qua in thoi hoc email hoc cc phng tin truyn thng khc.
Trong , th v/hoc ch th khng phi hin din trc tip ti n v chp nhn th.
Giao dch th trn internet: l giao dch m ch th s dng thng tin th t mua hng ha, dch v qua
internet hoc cc mng lin quan khc.
- Ch th nhn thc y ri ro v chu trch nhim khi thc hin cc giao dch trn y, ng thi chu trch
nhim bo mt cc yu t nh danh Ch th.
3. Ph s dng Th: Loi ph v mc ph do NH quy nh trong tng thi k v khng tri vi quy nh ca
php lut. Biu ph s dng Th c cng b cng khai ti tr s ca NH v trn website
www.techcombank.com.vn.
4. Quyn v ngha v ca ch th
- Ch th cam kt tip tc chu trch nhim v tt c nhng giao dch bng th c thc hin trc khi NH nhn
c thng bo v th b mt cp, b tht lc hoc vic s dng th v/hoc thng tin trn th tri php bao gm
nhng khng gii hn cc giao dch la o v/ hoc ch k gi mo bi bt k bn th ba no khc.
- Ch th phi thng bo kp thi vi NH khi pht hin thy sai st, nhm ln hoc c nghi ng Th b li dng.
- Ch th ng rng cc yu cu v tra sot khiu ni vi dch v th, Ch th c trch nhim thc hin yu cu
(nu c) bng vn bn trong vng 10 ngy k t ngy giao dch pht sinh hoc k t ngy quyn v ngha v ca
ch th b vi phm. Qu thi hn trn, NH vn tip tc h tr gii quyt tra sot khiu ni nhng kt qu tra sot
khiu ni s ph thuc vo thin ch ca cc i tc khc c lin quan v KH s phi chu hon ton thit hi pht
sinh do khiu ni chm. Cc yu cu tra sot khiu ni c thi gian 75 ngy k t ngy pht sinh giao dch, NH s
t chi yu cu tra sot.
- Ch th c trch nhim thanh ton y v ng hn cho NH cc khon vay, li v ph pht sinh do vic s dng
th theo sao k do NH lp v gi cho ch th. Trong trng hp ch th c thc hin giao dch th nhng khng
nhn c hoc chm nhn c sao k, ch th vn c trch nhim thanh ton cc khon vay, li v ph pht sinh
do vic s dng th theo quy nh sau khi NH a ra cc bng chng v vic gi sao k cho ch th.
- Vi cc giao dch th l giao dch MOTO v cc giao dch khc nh giao dch trn internet ch th ng rng,
ch th c th phi ng k vi NH thc hin cc giao dch ny hoc cc giao dch ny c th c thc hin
ngay sau khi ch th ng th c kch hot, ty theo quy nh ca Ngn hng tng thi k. Ch th cam kt
nhn thc r ri ro v ng nu Ngn hng m tnh nng ny m khng cn ch th ng k.
- Ch th ng NH c quyn nh k nh gi li vic s dng hn mc tn dng ca Ch th cng nh nh
gi li cc iu kin pht hnh, s dng th tn dng ca Ch th theo ng quy nh ca NH v trn c s vic
-

MB01-QT.CARD/01

Ngy hiu lc: 09/09/2012

Ln ban hnh/sa i: 03/00

nh gi , NH c quyn n phng thay i/chm dt hn mc tn dng cp cho Ch th.


- Ch th ng NH c quyn kho th khi nhn c thng bo th b mt cp, tht lc, l PIN hoc c nghi
ng th ang b li dng theo s in thoi tha thun ti iu khon, iu kin v pht hnh v s dng th ny
v cc cuc in thoi t NH.
- Ch th ng cho NH ghi m li tt c nhng trao i ca ch th qua in thoi v/hoc bt k cc thng tin
bng li ni gia ch th v NH trong qu trnh s dng th. V nhng trao i ghi m ny c th c NH hay bt
k bn th ba no s dng, bao gm s dng lm bng chng trong qu trnh gii quyt tranh chp hoc th tc
hnh chnh no.
5. Chm dt s dng th
- Ch th c trch nhim thanh ton tt c cc khon giao dch trc thi im th b chm dt s dng v cc khon
pht sinh (nu c) cha c cp nht trn ti khon th trong vng 40 ngy k t ngy NH nhn c thng bo
bng vn bn v vic chm dt s dng th hoc trc khi ht thi hn hiu lc th.
- Khi n phng chm dt s dng th, Ch th phi gi tr li th v thng bo bng vn bn cho NH. Ch th c
trch nhim thanh ton ton b d n; v cc tra sot, khiu ni ca Ch th (nu c).
- Khi th b chm dt s dng th ton b d n s n hn v Ch th c trch nhim thanh ton mi chi ph, giao
dch th pht sinh ti thi im chm dt. Nu Ch th chm dt s dng th nhng vn tip tc s dng th
giao dch th Ch th vn phi c trch nhim thanh ton cc giao dch ny v cc khon li, ph pht sinh theo quy
nh ca NH.
- NH c quyn chm dt vic s dng th trc hn trong nhng trng hp sau:
Cc trng hp chuyn n qu hn theo quy nh ti mc 7 Quy nh v s dng th ny;
Ch th chi tiu vt hn mc tn dng m khng c NH cho php;
Ch th vi phm cc quy nh v vic pht hnh v s dng th ca NH, vi phm Quy nh v s dng th ny,
iu khon, iu kin v pht hnh v s dng th hoc vi phm cc quy nh ca php lut;
NH pht hin ti liu, thng tin do Ch th cung cp l khng chnh xc, khng trung thc, sai s tht;
Ch th vi phm ngha v tr n (bao gm n gc, li, ph v cc chi ph khc pht sinh) vi NH v/hoc vi
bt k bn th ba no khc;
Ch th lin quan n cc v kin, v n m theo quan im ca NH th c th nh hng nghim trng n
kh nng tr n ca Ch th;
Ch th b bt, khi t, b truy cu trch nhim hnh s hoc chp hnh bn n hnh s;
Ch th cht, mt tch;
Ch th ly hn hoc chia ti sn chung v chng trong thi k hn nhn;
Phn ln ti sn ca ch th b k bin, phong ta, cm gi
Trng hp ti sn bo m ca ch th b mt, h hng, gim st gi tr so vi gi tr ti sn bo m c
nh gi ti thi im cp hn mc theo nh gi ca NH /bn th ba.
Cc trng hp lin quan n ngh vic, thay i thu nhp hoc khng p ng iu kin s dng th theo quy
nh ca NH;
Cc trng hp lin quan n gi mo v qun l ri ro;
Cc s kin khc m theo nh gi, xem xt ca NH l c kh nng nh hng ti kh nng tr n y , ng
hn ca ch th;
Cc trng hp khc theo quy nh ca NH v php lut
6. Li sut cho vay v cch tnh li
6.1.
Li sut cho vay: Li sut cho vay i vi vic s dng th tn dng s do NH ban hnh v c thay i theo
tng thi k, c cng b cng khai ti tr s ca NH v/hoc trn website ca NH.
6.2.
Cch tnh li: i vi phn d n phi tr li (theo quy nh ti mc 6.3 di y), tin li c tnh trn d
n thc t ca ch th v thi gian vay thc t (t ngy cc giao dch c cp nht vo h thng qun l th ca
NH n ngy ch th hon tr ht n). Tin li c tnh theo ngy, c cng dn v ghi n vo ngy sao k.
6.3.
Cc quy nh v min li/thu li i vi tng loi giao dch:
6.3.1. i vi giao dch thanh ton hng ho, dch v/giao dch thu ph/giao dch thu li: Chm nht vo ngy n
hn thanh ton, nu ch th khng thanh ton ton b d n cui k, NH s tnh li i vi ton b d n ca
cc giao dch thanh ton hng ho, dch v/giao dch thu ph/giao dch thu li pht sinh trong k sao k ca ch
th theo nguyn tc quy nh ti mc 7 ca Quy nh v s dng th.
6.3.2. i vi giao dch rt tin mt: D n ca giao dch rt tin mt s b tnh li theo nguyn tc quy nh mc 7
ca Quy nh v s dng th ny.
6.3.3. i vi cc giao dch c tra sot, khiu ni ca ch th: Li v ph ca cc giao dch tra sot, khiu ni ca Ch
th pht sinh v cha c NH hon tr trong k sao k cng c tnh theo nguyn tc c quy nh ti mc
6.1, 6.2 v khon 6.3.1, 6.3.2. NH s hon li cho ch th cc khon li/ph pht sinh i vi nhng giao dch tra
sot, khiu ni ng.
MB01-QT.CARD/01

Ngy hiu lc: 09/09/2012

Ln ban hnh/sa i: 03/00

7. Thanh ton n, thu hi n v chuyn n qu hn


7.1.
Th t thanh ton n: D n s c thanh ton theo th t u tin di y v theo th t thi gian giao dch
c cp nht vo h thng: (1) Cc khon li v ph; (2) Cc khon giao dch rt tin mt; (3) Cc khon giao dch
thanh ton hng ha, dch v.
7.2.
Thanh ton n:
- NH quy nh ngy sao k i vi mi loi th tn dng c th. Nu ngy sao k trng vi ngy th 7, ch nht hoc
ngy l th Ngy sao k s l ngy lm vic tip theo.
- Vo ngy sao k, NH s lit k tt c cc giao dch ca Ch th pht sinh trong k sao k c cp nht trn h
thng ca Techcombank. Cc giao dch ngoi t c chuyn i sang ng Vit Nam (VND) theo t gi ca T
chc th quc t (TCTQT), vo ngy x l giao dch ca TCTQT, NH s thu (cc) ph pht sinh theo quy nh ca
NH trong tng thi k.
- Sao k c gi cho Ch th qua hnh thc ph hp theo quy nh ca NH trong tng thi k v ti a ch m Ch
th ng k vi NH. Ch th c trch nhim thng bo cho NH nu thay i a ch nhn sao k.
- Ch th c trch nhim kim tra v thanh ton ng hn cho NH tt c cc khon n pht sinh ghi trn sao k, mc
t nht bng gi tr thanh ton ti thiu. Ch th phi gi cc thc mc ca mnh lin quan n cc giao dch trn
sao k bng vn bn cho NH trong vng 10 ngy, k t ngy NH gi sao k. Nu trong thi hn , NH khng
nhn c thng bo ca Ch th th coi nh Ch th ng thanh ton tt c cc giao dch, ph v li pht sinh th
hin trn sao k.
- Ch th y quyn cho NH t ng ghi n ti khon tin gi thanh ton ca Ch th m ti NH thanh ton d n
cui k. Ch th phi m bo ti khon ny lun s d cn thit NH ghi n trong khong thi gian quy nh
(t sau ngy sao k n ngy n hn thanh ton). Nu trong khong thi gian s tin trch t ti khon ny
khng thanh ton d n cui k, Ch th c trch nhim thanh ton trc tip cho NH phn d n cn li ng
hn v phi chu cc khon ph, li pht sinh (nu c).
- Vic thanh ton n ca Ch th ch c tnh l thnh cng khi h thng ca NH ghi nhn c giao dch ca Ch
Th (NH nhn c bo c vi s tin thc bo c). S tin thanh ton nhn c sau gi lm vic ca NH s c
tnh sang ngy lm vic k tip. Hn mc tn dng ca Ch th s c khi phc bng ng s tin Ch th
thanh ton vo ngy lm vic tip theo.
7.3. Chuyn n qu hn v Thu hi n :
- NH ghi n ti khon gi tr tt c cc giao dch th, cc khon ph v li pht sinh lin quan vic pht hnh, s dng
v thanh ton th theo biu ph c NH quy nh trong tng thi k ph hp vi quy nh ca php lut v tha
thun ti Hng dn s dng th tn dng quc t ny.
- Sau 01 ngy k t ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn gi tr
thanh ton ti thiu, ton b d n cha thanh ton s b chuyn sang n qu hn.
- Sau 30 ngy k t ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn gi tr
thanh ton ti thiu, NH c quyn xem xt vic ngng s dng th tm thi. Sau 3 k sao k lin tip, nu Ch
th khng thanh ton hoc thanh ton s tin nh hn gi tr thanh ton ti thiu, NH c quyn chm dt vic s
dng th, thu hi th, tin hnh cc th tc thu hi n vay v x l ti sn bo m v p li sut qu hn cho ton
b d n cha thanh ton sang n qu hn.
- Khi ht thi hn cp hn mc, nu Ch th cha thanh ton ht ton b d n, NH s tin hnh cc th tc thu hi
n vay, x l ti sn bo m v p dng li sut qu hn cho ton b d n cha thanh ton.
- Ch th ng cho NH c quyn thu n t cc ngun lng, thu nhp ca Ch th hay t c quan, n v cng
tc hay bt c ti sn no khc ca Ch th m khng cn c xc nhn ca Ch th. Vic x l ti sn thu n s
c thc hin theo quy nh ca NH v quy nh ca php lut. NH c quyn lp y nhim thu yu cu NH m
ti khon cho Ch th trch tin thu hi n gc, li trong trng hp cc khon n gc, n li ca Ch th b
chuyn sang N qu hn, N li qu hn
- NH c quyn thu n, x l ti sn bo m thu n theo cc phng thc m NH la chn m khng cn thm
bt c chp thun no t pha Ch th (k c vic nh gi ti sn x l).Trng hp Ch th khng thanh ton
ng hn cho NH, NH c quyn thu n t ti khon tin gi thanh ton, s tit kim ca Ch th thanh ton cc
khon n pht sinh. Trong trng hp ny, NH c min trch nhim v vic ph k hn gi tin ca Ch th.
c quyn trch n ti khon tin gi thanh ton ca Ch th hon tr d n th tn dng theo ng k ti
ngh pht hnh th tn dng kim hp ng s dng th ca Ch th.
- c quyn yu cu Ch th s dng mi ti sn v ngun thu ca c nhn v gia nh Ch th; Yu cu bn nm
gi ti sn ca Ch th, gia nh Ch th, cc thnh vin Ch th chuyn giao cho NH thanh ton, hon tr cc
khon n gc, li v ph, cho ph khc pht sinh ca Ch th.
7.4.
p li sut qu hn:
- D n th tn dng b p dng li sut qu hn k t ngy lin k sau ngy ln sao k ca k th t nu ba k sao
k lin tip trc ch th khng thanh ton hoc thanh ton s tin nh hn gi tr thanh ton ti thiu:
MB01-QT.CARD/01

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- Thi hn thanh ton n qu hn khng c qu 45 ngy k t ngy d n ca ch th b p li sut qu hn. Qu


thi hn ny m Ch th khng thanh ton th NH c quyn p dng cc bin php do NH la chn thu hi
ton b d n. Tnh t thi im chuyn li qu hn, Ch th phi thanh ton ton b d n v cc chi ph pht sinh
lin quan n vic NH thc hin cc bin php thu hi n nh ph lut s, n ph, ph x l ti sn, chi ph i li,
thng tin lin lc, sao, chp, cng chng, dch thut ti liu, chun b ti liu t tng, ph thi hnh n m khng cn
chng t chng minh.
- D n cha thanh ton ca ch th c hiu bao gm s tin giao dch gc, tin li v ph pht sinh lin quan. i
vi cc trng hp Ch th b p dng li sut qu hn, li sut qu hn c NH chuyn v li sut trong hn
ch khi Ch th thc hin thanh ton ton b d n qu hn hin c ca th tn dng. Phn li sut qu hn NH
s tin hnh thu theo quy nh tng thi k.
8. Cc trng hp min tr trch nhim:
Ch th ti y ng :
- NH c min trch nhim trong trng hp h thng x l, h thng truyn tin b trc trc, hoc v bt k l do
g ngoi kh nng kim sot ca NH.
- NH c min trch trong trng hp v l do bo m an ton v hn ch ri ro cho Ch th, NH khng thc
hin hoc chm tr trong vic thc hin cc tha thun ti Quy nh v s dng th ny.
- Ch th chp nhn t b quyn khiu kin khi giao dch c th b gin on, khng thc hin c do b li mng,
ng truyn, h thng, in, hoc cc li k thut khc ca bn cung ng dch v hoc ca NH, hoc do c cc s
c xut pht t cc nguyn nhn thi tit, ng t, thin tai
- NH khng chu trch nhim i vi bt k trng hp no th b VCNT t chi. ng thi khng chu trch
nhim v vic cung ng hng ho, dch v c thanh ton bng th v c quyn ghi n vo ti khon gi tr cc
giao dch thanh ton bng th cho d hng ho, dch v c c giao, nhn hoc c thc hin hay khng.
- NH min trch trong vic khng thc hin cc yu cu tra sot khiu ni vt qu thi hn theo quy nh ca NH.
9. Cam kt ca ch th
- Cam kt khng thc hin cc giao dch tri vi lut php nc Cng ho X hi Ch ngha Vit Nam hoc nc s
ti ni Ch th s dng Th giao dch.
- ng v cho php NH tm kim thng tin lin quan n Ch th t bt k bn th ba no.
- ng NH c quyn quyt nh cung cp thng tin giao dch th, thng tin Ch th cho bn th ba cung cp
dch v h tr hot ng th (nh dch v in v gi sao k hoc cc dch v khc do NH la chn khng tri php
lut Vit Nam) hoc bn th ba hp tc vi NH trong vic m rng, gia tng thm gi tr s dng th cho Ch th.
- Ch th cam kt dng thu nhp hng thng u tin hon tr s d n sao k. Ch th y quyn cho NH c
trch tin lng v cc khon thu nhp hng thng ca Ch th t ti khon tin gi thanh ton ca Ch th ti NH
hoc trc tip lin h nhn tin t n v, c quan ca Ch th lm vic tr n. Ch th y quyn cho c
quan/n v hin Ch th ang lm vic trch tin lng, cc khon thu nhp hng thng v cc khon thu nhp
khc (nu c) chi tr cho NH. Vic y quyn ny ch ht hiu lc khi Ch th thanh ton tt c cc khon n
gc, li pht sinh ti NH.
- Trong trng hp khng tip tc lm vic ti c quan hin ti, Ch th cam kt thng bo cho NH trc thi hn
07 ngy k t ngy ngh vic.
- Ch th cng nhn, khng hy ngang v chu trch nhim thanh ton tt c cc giao dch c thc hin theo ng
quy nh ca NH v quy trnh thanh ton bng th qua Internet v c s dng ch k, ch k in t ca Ch th
m khng c hy, ph nhn, t chi, thay i, thoi thc giao dch vi bt k l do no; cam kt chu mi ri ro
lin quan n giao dch c thc hin.
- i vi cc giao dch thc hin bng phng tin in t, Ch th nhn thc y cc ri ro c th gp phi khi
thc hin giao dch, cam kt cc hot ng din ra do chng t in t ca mnh lp khp ng qui nh v chu
trch nhim v nhng thit hi xy ra do v tnh hay c l ch k in t, dn n b k gian li dng.
- Trng hp Ch th thc hin giao dch MOTO v cc giao dch khc bng th thanh ton cho cc nh cung
ng dch v (CDV), Ch th cam kt chu trch nhim v vic thc hin quy trnh thanh ton theo tha thun vi
nh CDV, chu trch nhim i vi cc giao dch cung cp khng chnh xc M dch v, M thanh ton v cc
thng tin khc lin quan; t gii quyt cc tranh chp lin quan n vic cung ng dch v ca nh CDV v s
tin thanh ton, m thanh ton, thi im thanh ton; chu trch nhim v cc giao dch c gi nhiu ln v cc
vn khc gia Ch th v nh CDV trong mi thi im, k c trc, trong v sau khi NH chuyn tin n
ti khon ca nh CDV.
- Cam kt chu mi ri ro (nu c pht sinh) lin quan n vic nhn th qua bu in trong trng hp khch hng
ngh nhn th trc tip qua bu in.
10. Tnh thng nht i vi iu khon, iu kin v pht hnh v s dng th:
- Cc Quy nh v s dng th trn y l mt phn khng tch ri ca bn iu khon, iu kin v pht hnh v
s dng th do NH pht hnh. Ti/Chng ti c trch nhim tun th y qui nh ca php lut, qui nh ti
MB01-QT.CARD/01

Ngy hiu lc: 09/09/2012

Ln ban hnh/sa i: 03/00

iu khon, iu kin v pht hnh v s dng th v cc sa i, b sung, thay th. Ti/Chng ti ng NH


c sa i, b sung, thay th Bn iu khon, iu kin v thng bo bng vn bn hoc trn phng tin thng
tin i chng hoc trn website ca Techcombank hoc ti im giao dch ca NH hoc bng vic NH ng k vi
c quan nh nc c thm quyn v cng b trn website ca NH;
- Cc thut ng c s dng trong cc Quy nh v s dng th trn y c hiu theo ng ni dung gii thch t
ng trong bn iu khon, iu kin v pht hnh v s dng th.
CAM KT CA CH TH CHNH V CH TH PH (nu c)
1. Ti/Chng ti xc nhn v hon ton chu trch nhim v cc thng tin c cung cp ti ngh pht hnh th
tn dng quc t kim hp ng s dng th trn y l chnh xc v xc thc, do chnh ti/ chng ti k khai v
khng c thng tin no c c che giu.
2. Ti/Chng ti ng v cho php Techcombank s dng bt k thng tin no trn n ngh pht hnh th tn
dng quc t kim hp ng s dng th ny, bao gm vic chia s v trao i nhng thng tin lin quan n ti
v (cc) ch th ph (nu c).
3. Ti/Chng ti xc nhn c NH gii thch r v cc vn lin quan n biu ph ca th tn dng. c
v hiu r cc thng tin lin quan n giao dch thanh ton trn Internet (vi ch th c ng k dch v ny).
4. Bng vic k tn vo mu n ny, Ti/Chng ti xc nhn rng c, hiu r, ng b rng buc bi cc quy
nh trong bn iu khon, iu kin v pht hnh v s dng th c cng b cng khai trn website chnh
thc ca ca Ngn hng TMCP K Thng.
................., ngy............thng..............nm..............
Ch th chnh (K v ghi r h tn)

................., ngy............thng..............nm..............
Ch th ph (K v ghi r h tn)

PHN DNH CHO NGN HNG


PHN DNH CHO N V TIP NHN H S
Knh bn :
CVKH ti Trung tm Bn
Chuyn vin bn hng qua in thoi
CVKH ti CN/PGD
i tc thu ngoi (ghi r): ..............................................
Khc (ghi r): ..................................................................

Thng tin lin h CVKH

Thng tin lin h CVKH

H v tn............................................................

H v tn........................................................

S in thoi ....................................................

S in thoi ................................................

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

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

S TK: ...............................................................

S TK: ...........................................................

, ngy
thng
nm
Chuyn vin khch hng (K v ghi r h tn)

Thng tin ca Khch hng:


Khch hng thng thng (HMTD
ph thuc xp hng NLTD, c
chng minh thu nhp)
Khch hng bn ngoi
CBNV Techcombank

, ngy
thng
nm
Lnh o CN/PGD (K v ghi r h tn)

Khch hng ph duyt trc, la chn trc:


Khch hng Priority
CBNV Techcombank (TCB)
Cn c chc v
Cn c thm nin theo loi hp ng lao ng
Khch hng tit kim ti TCB
Khch hng vay ti TCB
Hi vin chng trnh BSV
Khch hng c TK TGTT ti TCB
Khch hng theo din la chn trc hng lot
Khc, ghi r: .

Loi khu v ri ro:

n v cng tc ca khch hng ang c quan h giao dch vi Techcombank:

Vn iu l doanh nghip (ghi r):Thi gian hot ng k t khi thnh lp (ghi r):

Loi h s:

Hn mc tn dng xut:

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KVRR thng thng

KVRR Quan h hn ch
Khng

H s cung cp y theo danh sch quy nh

Ngy hiu lc: 09/09/2012

KVRR Quan h c kim sot cht ch


C (ghi r tnh trng trn T24): ..
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