HOME LOANS

Asia Commercial Bank

COMMERCIAL BANKING 1
GROUP :03
Lecturer: Ph.D Ho Thanh Tung
 GROUP MEMBERS
Full name Finished
Nguyễn Gia Thành 100%
Huỳnh Xuân Nhị 100%
Nguyễn Mạnh Nguyên 100%

Nguyễn Nhật Tân 100%

Võ Thị Tú Trinh 100%

Thiều Trần Nhật Duy 100%
Trần Kim Dung 100%
Lê Trần Quốc Thịnh 100%
 PRESENTATION CONTENT
Summary of home loan package at ACB

Appraisal of loan documents

 01 OVERVIEW OF HOME LOAN AT ACB
Choose the best Home Loan products, and make your
dream home ownership come true.

OBJECT INTEREST RATE

❑ Customers are individuals with
Vietnamese nationality, overseas
Vietnamese are allowed to buy
houses/land in Vietnam
❑ Age 18 and up
Discount 7.5%/year for the first
years
After that, the formal:
Interest rate = Saving IR of 13
months + range(from 2.5-
4%/year)
ADVANTAGE OF THE HOME LOANS
Loan amount Depending on the value of the house - land purchased or
the value of the mortgaged property
Term of a loan Maximum term of 180 months

Loan repayment grace period Up to 12 months

Competitive interest rate Calculate on actual outstanding balance (reducing balance)

Flexible disbursement method Disburse once or many times according to the actual
payment schedule

Debt payment method Monthly interest and

• Capital to be paid monthly or periodically ≤ 6
months/time by regular contribution method; or
• The capital contribution ladder increases 10-20%/year
or is paid according to customer's cash flow.
 LOAN CONDITIONS

❖ Having a stable source of income and

being able to repay the loan from the
following sources: salary, production
and business, house - land or car
rental, capital contribution, dividends.
❖ Collateral: the house itself - the land
intended to be purchased; or other
house - land owned by customers or
family members.
 o Legal papers
LOAN
PROCEDURE
o Proof of customer income

o Documents proving the

purpose of using capital

o Documents and documents

related to the special assets
Provide 4 papers
 LOAN DOCUMENTARY
ASSESSMENT PROCESS

01
01 02
02 03
03 04
04 05
01

Contact ACB for Prepare for Have the loan Prepare Carry out
necessary application documents and
advice on loan comply with all disbursement
documents appraised and
conditions and approved the necessary
documents procedures
before
preparation disbursement
CUSTOMER
PROFILE
APPRAISAL
A/ INFORMATION OF CUSTOMER
Full name: Lam Ai Nhi
Marriage status: Married
Husband’s name: Nguyen Tam Tri
Address: 109/24 Le Loi, Ward 4, Go Vap District, HCM city.
Job: Director limited company Phat Thanh Thanh Dat
Main business sectors: Vocational training, training to drive
cars, trucks, passenger cars...
- Loan purpose: Loan to buy a house
- Amount to borrow: 7,400,000,000 VND
 RELATIONSHIP RELATIONSHIP
WITH ACB WITH OTHER
FINANCIAL
- Credit transaction since
2011. Currently, the
outstanding balance is zero
- Service products in use: INSTITUTIONS
01 credit card, 01 payment -There is no credit
card, 01 IB, 01 SMS, 01 relationship information with
Mplus. other banks.
- Rating: B -Customers have no bad
debt in the past 3 years.
CUSTOMER'S FINANCIAL
RESOURCES
ITEMS AMOUNT
✓ Average • 240,274,000 VND
CUSTOMER’S monthly income
INCOME of husband and
wife.

✓ Average • 30,000,000 VND

activity/month
COST ✓ Personal backup • 10,000,000 VND
✓ Highest loan
amount this • 92,911,111 VND
time/month

TOTAL OF COST 121,911,111 VND

CUSTOMER'S FINANCIAL RESOURCES

Firm Ms Thuy
Revenue 9.542 million + Dividend profit:
VND 1,203,284,414 VND
+ Each month:
Profit 2.406 million 100,273,701 VND
VND + Income from
salary is:
20,000,000
VND/month
Trung tâm dạy nghề Thành Đạt
CUSTOMER'S FINANCIAL RESOURCES
With a loan amount
of 7.4 billion for 15
years with interest
TOTAL rate of 7.5%/year,
TOTAL COST: after 1 year have to
INCOME: 121,911,111 pay for 9%/year,
240,274,000 VND/ customer must pay
VND/ MONTH the highest loan,
month. which is 92,911,111
VND/month

→ Income – Cost = 118,362,889 VND/ month.

→ Qualifying for a loan.
LOAN REQUEST FORM
LAND USE RIGHT MORTGAGE CONTRACT
SSESSMENT REPORT
 LEGAL RECORDS
Customer’s name: Lam Ai Nhi Gender: Female

Year of birth: 1988, Age: 31

National ID: 022569812 Date Range: 28/6/2014

Nationality: Viet Nam

Permanent residence: 109/24 Le Loi, Ward 4, Go Vap District, HCM

Address contact: 109/24 Le Loi, Ward 4, Go Vap District, HCM

Education level: University

Marriage status: Married

Assessment: The client is suitable, is in the working

age range 18-60 years old, has full capacity for civil
acts.
Customer’s demand
Amount loans: 7.4 billion VND
Term: 180 months. Maximum is 180 months (15 years)

Repayment period: 180 periods

Loan method: Installment due to amortized loan

Interest rate: 7.5%/year in the first 12 months

Loan purpose: Buy a house

DEPOSIT AGREEMENT

Information about
the house to buy:
- Land plot number 66, TBD number 33 assets
attached to land use.
- Address: 308/81 Huynh Tan Phat St, Tan Thuan
Tay Ward, Dis 7, Ho Chi Minh.
- Area: 53,4 m2
- Customer has made a deposit: 100,000,000 VND

ASSESSMENT: The loan plan and

purpose of the customer is valid
COLLATERAL
❖ Real estate number
109/24 Le Loi, Ward 4,
Go Vap District, City.
HCM.

❖ LOANS: 7.4 billion VND

❖ VALUE OF COLLATERAL:
12 billion VND
LÊ TẤN HÙNG

TRẦN THỊ THỦY

❖ RATIO: 70%
 LOCATION ASSESSMENT

Services and means of

transportation are provided

Have many schools

Center of all kinds of

services

-> The collateral is located at a convenient

location for circulation
-> Secured assets with high liquidity
 DIRECT ASSESSMENT OF SECURITY ASSETS

- Address: 109/24 Le Loi, Ward 4, Go Vap District, City. HCM MATCH

- Area of ​land plot: 29,2 m2 APPROVED
- Number of floors: 1 ground
- 2 floors APPROVED
- Survey of local people and agencies: No dispute APPROVED

-> The collateral completely coincides with the certificate provided by the
customer
-> Valuation value of collateral = Value of land + Value of assets attached
to land = 12,000,000,000 VND (according to market price)
-> Secured property without any dispute about legal ownership

Evaluate:
Type of collateral: REAL ESTATE APPROVED
1. Risk level : LOW RISK APPROVED
2. Loan rate/ collateral: 70% (8,400,000,000 VND) APPROVED
3. Loan demand/collateral: 61.67% (7,400,000,000 VND) ELIGIBLE
 CONCLUSION

No. Evaluative criteria APPROVED DISAPPROVED

1 Assess the capacity of civil acts of customers

X

2 Evaluation of the customer's loan plan and purpose X

3 Evaluation of education level, work experience, social
status and customer capacity X

4 Evaluation of the source of income to repay the debt X

PROPOSE: MAKE A LOAN

THANK YOU