SN PHM CHO VAY

H TR MUA NH X HI/NH THNG MI

1. i tng vay vn ( sau y gi l Khch hng)
Cn b cng chc, vin chc, lc lng v trang v i tng thu nhp thp vay vn mua,
thu, thu mua Nh x hi.
Cn b cng chc, vin chc, lc lng v trang v i tng thu nhp thp vay vn thu,
mua Nh thng mi c din tch nh hn 70 m2 v c gi bn di 15 triu VN/m2.
2. iu kin vay vn
iu kin c vay vn thu, thu mua v mua Nh x hi
-

C hp ng mua, thu, thu mua Nh X hi vi ch u t theo quy nh ca php

lut;

C mc ch vay vn tr khon tin cha thanh ton mua, thu, thu mua Nh X hi
i vi cc hp ng k vi ch u t k t ngy 07/01/2013;

C ngh vay vn mua, thu, thu mua mt cn duy nht v cam kt khch hng,
cc thnh vin trong h gia nh ca Khch hng cha tng c vay vn h tr ti
Vietcombank v ti cc ngn hng khc mua, thu, thu mua Nh X hi.

iu kin c vay vn thu, mua Nh thng mi:

-

Cha c nh ca mnh hoc c nh nhng din tch qu cht chi. C th l:

C nh l cn h chung c, nhng din tch nh bnh qun ca h gia nh thp hn

8m2 s dng/ngi;

C nh ring l, nhng din tch nh bnh qun ca h gia nh thp hn 8m 2 s

dung/ngi v din tch khun vin t ca nh thp hn tiu chun din tch t ti
thiu thuc din c php ci to, xy dng theo quy nh ca UBND cp tnh/TP;

C h khu thng tr ti tnh, TP trc thuc TW ni c d n nh . i vi trng hp

tm tr th phi c ng bo him x hi t 1 nm tr ln;

C hp ng thu, mua Nh thng mi vi ch u t theo quy nh ca php lut;

C mc ch vay vn tr khon tin cha thanh ton thu, mua Nh thng mi i

vi cc hp ng k vi ch u t k t ngy 07/01/2013;

C ngh vay vn thu, mua Nh thng mi v cam kt Khch hng, cc thnh vin
trong h gia nh ca Khch hng cha tng c vay vn h tr ti Vietcombank v ti
cc ngn hng khc thu, mua Nh thng mi;

Khch hng v gia nh ca Khch hng ch c vay vn 01 ln h tr nh ti

Vietcombank theo quy nh;

C xc nhn iu kin c vay:

i tng l Cn b cng chc, vin chc, lc lng v trang th phi c xc nhn ca

n v cng tc v ni cng tc v thc trng nh ( Theo mu 02 Xc nhn ni cng
tc v thc trng nh nh km);

i tng thu nhp thp th phi c vn bn xc nhn ca UBND x (phng) ni Khch

hng c H khu thng tr hoc ng k tm tr xc nhn v h khu v thc trng nh
(Theo mu 04 Xc nhn h khu v thc trng nh nh km);

Ngoi cc iu kin trn, Khch hng phi p ng cc iu kin vay vn ca

Vietcombank.
3. Thi gian cho vay
Ti a khng qu 15 nm.
Trng hp thu/thu mua, thi gian cho vay khng vt qu thi gian cn li ca Hp ng
thu/thu mua.
4. Mc cho vay
- Trng hp ti sn bo m l ti sn hnh thnh t vn vay ti Vietcombank: Mc cho vay ti a l
80% gi tr mua/thu/thu mua theo hp ng/ho n.
- Trng hp khon vay c bo m bng ti sn khng phi ti sn hnh thnh t vn vay:
+ Ti sn l bt ng sn ca khch hng hoc b/m khch hng vay: Mc ti a l 90% gi tr ti
sn mua/thu/thu mua theo hp ng/ho n, song khng vt qu 70% gi tr ti sn m bo.
+ Ti sn l giy t c gi ca b/m khch hng vay: Mc ti a l 90% gi tr ti sn mua/thu/thu
mua theo hp ng/ho n, song khng vt qu 95% gi tr ti sn m bo.
- Xc nh gi tr ti sn m bo phi do t chc nh gi chuyn nghip (theo xut ca
Vietcombank)
5. Li sut cho vay
- Giai on trc ngy 02/06/2023:

Mc li sut v phng thc iu chnh li sut: Th ni theo thng bo ca Ngn hng Nh nc v

li sut cho vay h tr nh theo Thng t 11/2013/TT-NHNN ngy 15/05/2013 ca Ngn hng Nh
nc.
- Giai on t 02/06/2023 tr i:
+ Mc li sut: Theo thng bo ca Tng gim c Vietcombank tng thi k
+ Phng thc iu chnh li sut: nh k 03 thng/ln
- Li sut qu hn: Ti a 150% li sut cho vay.
Mi thng tin chi tit xin vui lng lin h:
Ms Phi H: Phng Khch hng th nhn Vietcombank H Ni
Tng 05, 344 B Triu, Hai B Trng, H Ni
in thoi: D: 096.303.5990; C nh: 04.3974.6666 my l 511

H S VAY VN CN CHUN B

01 Giy ngh vay vn kim phng n tr n theo mu nh km.

H s chng minh nhn thn ca khch hng ( hai v chng)

01 bn photo giy CMND/H chiu (Bn sao cng chng)

01 bn photo h khu thng tr, Giy ng k kt hn hoc Chng nhn tnh trng hn
nhn (Bn sao cng chng)

Trng hp khng c h khu ti H Ni b sung Giy ng k tm tr di hn (KT3)

v s bo him x hi (Bn sao cng chng)

Giy xc nhn ca n v cng tc v ni cng tc v thc trng nh ( Theo mu Ph

lc s 02 Xc nhn ni cng tc v thc trng nh nh km) i vi Cn b, cng
chc, vin chc v lc lng v trang.
Hoc :
Giy Xc nhn ca UBND x (phng) ni Khch hng c H khu thng tr hoc
ng k tm tr xc nhn v h khu v thc trng nh (Theo mu ph lc s 04 Xc
nhn h khu v thc trng nh nh km) i vi cc i tng khc.

H s chng minh mc ch s dng vn vay:

Hp ng mua bn nh k vi Ch u t (Khch hng phi chuyn bn gc cho

Vietcombank chm nht ti thi im k Hp ng tn dng).

Cc ho n thanh ton tin mua nh thanh ton.

H s chng minh kh nng ti chnh v ngun tr n ca ngi vay v ngi ng tr n

(nu c):

Bn sao Hp ng lao ng hoc giy t c gi tr tng ng.

Sao k ti khon Ngn hng hoc bng lng hoc giy xc nhn lng ca cng ty 03
thng gn nht. Trng hp tr lng qua Vietcombank th khng cn sao k ti khon.

Nu khch hng l ch doanh nghip th cung cp: Giy ng k kinh doanh, m s thu,
bo co ti chnh thu nm gn nht, T khai thu GTGT 09 thng gn nht.