NGAN HANG THUONG MAI CO PHAN LONG 1-16A XA HOI CHU NGHTA VIET NAM

VIET NAM THLIONG TIN D'Oc 10p — Ti! do — Hanh phOc

S61Cf- k/2020/QD-TGD. Soc. Tang, ngay ..(.;.;. thang .:S nam 2020

QUYET
V/v ban hanh Hudng dgn Thgm Binh cho vay croi vat san ph am mua/nhan chuyan nhu'ong BDS
danh cho KHCN

TONG GIAM DOC NGAN HANG TMCP VIET NAM THUONG TIN

Can Quye't Binh so 14/2020/QD-HDQT ngay 13/3/2017 clia HO/ clang quan tai Vietbank v/v 66'
nhiem Quyen Tong giam clO'c

Can cu' Quye? Binh so 1886/QD- TGD ngay 15/8/2019 cua TO'ng giam doC Ngen hang Viet Nam
Thugng Tin v/v ban hanh San pharn cho vay mua/nhan chuyen nhcidng BDS danh cho KHCN va cac
van ban slia ci5i/b5 sung,.

Can cci' td trinh so' 4 /2020/TT-P. TDCN-KTD ngay ..Q3./. $../2020 v/v ban hanh Hueing din them
Binh cho vay JOY voi san phim mua/nhan chuye'n nhvong BDS danh cho KHCN,.

QUYtT DINH:

Dieu 1. Ban hanh Hu'ding dgn thgm dinh cho vay d6i vdi san phgm mua/nh5n chuygn nhu'dng
BDS danh cho KHCN (theo Hudng dgn dinh kem), san pham da difbc T6ng giam d6c
ban hanh theo Quygt dinh s6 1886/00-TGD ngay 15/8/2019 va cac van ban sda d6i/b6
sung.

DZu 2. Quygt dinh nay co higu luc thi hanh kg ngay

DZu 3. True:mg cac don vi kinh doanh chiu trach nhigm trie'n khai Fluting dAn nay dgn toan thg
cac nh5n vien, bd ph5n nghigp vu lien quan dg thy'c hien.

GIAM DOC Cti!c_

Nci nhan:
NGAN HANei
- Kh6i/ Phong/ Ban tai Hbi sd, TTKD: de thi hanh: 911G MAi
Sao kinh
*I C
Vi AM /`,
- TT/HDQT, BKS: de boo coo;
•
- BTGO/GDKV: de bigt
Lau VT.
HUY DUNG
 HUtNG DAN Ma s6 HD-TDCV.01
Lan ban hanh 01 (r.3./S../2020)
THAM DINH CHO VAY DOI VO+1 SAN PHAM
—
VIETBANK
eg. t:N • 1/22
CHO VAY MUA /NHAN CHUYrN NHU'ONG
Ziy±(}2_62 SO trang
47/troir.i BAT DQNG SAN DANH CHO KHCN

; *( *I
ViET NA?.1
THuOtIG Titl HU'ONG DAN
!NH CHO VAY MUA/NHAN CHUYE'N NHU'ONG BOS DANH CHO KHCN

(Ban hanh kern theo Quyal Binh se(g$.41-.WP.034.:T.G-9 ngay . . ./2020 caa Tong gram (IOC)

MUC LUC TRANG

I. MUC EACH 2

II. PHAM VI AP DUNG 2

III. QUY DINH CHUNG 2

IV. CAC BU'OC THLIC HIEN THAM DINH TIN DUNG 4

V. HU'ONG DAN TEAM DINH 5

1. KIEM TRA Ho, S0 PHAP LY KHACH HANG 5

2. OCH SC5 TIN DUNG CUA KHACH HANG 7

3. PHUONG AN VAY VON 9

4. NGUON THU NHAP TRA NO 10

5. TAI SAN TICH LUY CUA KHACH HANG 20

VI. TAI SAN BAO DAM 20

VII. TAI LIEU LIEN QUAN 21

THEO DOI PHIEN BAN 22

NGAN HANG TMCP VIET NAM THUONG TIN

PHONG TIN DUNG CA NHAN

THANG NAM 2020

 HLICNG DAN Ma s6 HD-TDCV.01

THAM DINH CHO VAY Dal VOI SAN PHAM Can ban hanh 01 (Q34./2020)
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I. MUC DICH:

Hu'ong den chi tiet viec them dinh va lap to trinh cep tin dung d6i vdi san phem cho vay

mua/nhen chuyen nhu'dng bet clOng san tai Vietbank.

Thuc (Vey qua trinh ban hang, canh tranh dude vOi cac TCTD khac ye thdi gian xLit' ly h6 sd cho
khach hang.

Neu ra cac tinh hu6ng, van de co the phat sinh trong thu'c to va huang xu ly, giai quyet de
TTKD co the tham khao va du'a ra cac giai phap phu hap khi gap tinh hueng tudng tu.

II. PHAM VI AP DUNG:

Hudng d5n nay ap dung cho san phern cho vay mua/nhan chuyen nhu'ong bat deng san danh
cho KHCN.

HuOng den nay ap dung th6ng nhet tai cac TTKD cCia Vietbank.

Ph6ng Tin dung ca nhan la d'au m6i quan ly Hudng cl5n nay

III.QUY DINH CHUNG

1. Nguyen t5c thgm dinh

a. Khai niam thgm dinh tin dung: la cong viec thu thep, kiem tra, phan tich, danh gia cac thOng

tin, chOng tir nham phuc vu cho viec ra quyet dinh cap/khOng cep tin dung.
b. Cac phu'dng phap thgm dinh tin dung, bao gbm:

PhuOng phap thgm dinh ChCeng du'dc hieu la hinh thOc them dinh thong qua chOng tCI
hOlaC Internet/bao/dai.

Phitong phap thgm dinh Thyt tg: ducic hieu la hinh thOc them dinh tai ndi 6, ndi yen vay
se du'dc su dung, ndi tao ra thu nhap, cua khach hang.

Phu'ong phap thgm dinh Dien thoai: duoc hieu la hinh thOc them dinh th6ng qua viec goi
dien thoai cho cac ben c6 lien quan den ho sd tin dung.

Viec ap dung phu'dng phap them dinh nao du'dc quy dinh cu the tai cot "Phu'ong phap
them dinh" cua cac Phan huting den chi Wet ben dudi.

c. Yeti cau ye viec thu thap thong tin/chiing

NVKD/CVKD CO trach nhiem thu thap day du va chinh xac cac thong tin can thiet cUa hO
sd tin dung (bao gom ca viec chup hinh); bao dam cac thOng tin phai trung thuc, khach
quan va phan anh dung thy'c to ye dei tu'dng du'dc them dinh.

ChOng to do KH cung cep thuc hien theo Quyet dinh s6 1886/2019/00-TGD

15/8/2019 v/v ban hanh san phem cho vay mua/nhen chuyen nhudng BDS danh
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THAM DINH CHO VAY D61 V6►I SAN PHAM
VIETBANK
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S6 trang
BAT ONG SAN DANH CHO KHCN

KHCN (xem Phu luc 2 — Danh muc hO so' vay von)va cac van ban sira d6i, b6 sung tiing
thoi ky. Thy'c hien kiem tra, d6i chieu ban chinh chtYng ti cung cap theo quy dinh cua
Vietbank. Ngobi ra, NVKD/CVKD va C5p kiem soat (GD/PGD kinh doanh/Tru'ang don vi)
can kiem tra xem chtit'ng ti co cl5u hieu tgy x6a, cat dan hoac cac d5u hieu gia mao khac
hay khOng?

CIC thu thap du'oc phai co chi kY kiem soat cua C5p kiem soat (Gam doc/Pho giam d6c
phu trach TTKD).

Taking hop cac thOng tin thu thap du'oc mau thu5'n hoac khong trang khdp vii ho
so/chCmg tif do khach hang cung cap ma khOng xac minh duoc th6ng tin nao la chinh xac
nh5t, thi theo nguyen tac than trong, nh5n vier) chin thong tin co loi nh5t hoac it riJi ro
nh5t cho Vietbank de sir dung.

d. MOt s6 quy chung trong hutng

BAng chang/Phu'ong phap thgrn dinh ghi tru'ac se duoc u'u Wen thu'c hien/thu thap tru'erc,
B5ng chCmg/Phuong phap th5m dinh ghi sau se duoc thyt hien/thu thap thay the neu
B5ng chCmg/Phu'ong phap tha'm dinh khong thu'c hiO/thu thap duoc.

Cac Chung ti duoc 'Vat Ice trong cot "Bang chtYng" trong hung d5n nay nh5m muc dich
hu'aing d5n cac don vi cach thO'c thu thap thOng tin phuc vu cho car-1g viec th5m dinh tin
dung, khong phai la cac ChUng tEt bat bu6c phai co trong bo HO so tin dung (HSTD). D6i
vii cac hO so/Ching ti duoc yeu eau bat buOc trCr' trong HSTD: cac don vi thy'c hien
theo quy dinh san ph.am cho vay mua/nhan chuyen nhuong b5t dOng san danh cho
KHCN.

e. Cac chi'? tat:

BCTC : Bao cao tai chinh HTK : Hang ton kho

BDS : Bat Ong san KH : Khach hang.
CIC : Trung tam thOng tin tin dung N/A : KhOng yeu eau b5ng cht:mg
CK : Ching khoan PTVT : Phu'ong tien van tai
CP : Chi phi TCTD : T6 chic tin dung
GPKD : Gray phap/ clang ky kinh doanh TK : Tai khoan
HO : Hop (rang HDTD : Hop dOng tin dung
HOLD : Hop dOng lao dOng TTKD : Trung tam kinh doanh
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THAM DINH CHO VAY DOI VOl SAN PHAM Lin ban hanh 01 (0/.8./2020)
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BAT DONG SAN DANH CHO KHCN

GCN : Gigy chO'ng nhan bat dgng san HSTD : Ho so tin dung
(quyan sd him nha, sO' dung
v.v...)
KHCN : Khach hang ca nhan TSBD : Tai san bao dam
2. Nguyen t5c trinh bay ten Tel trinh cgp tin dung
- Ta trinh cap tin dung can trinh bay ngan gon, suc tich, han chg cac not dung tiling lap.

- StY dung ngon nga da higu, CO rang, tranh dung da nghia, khOng sai I6i chinh to va han chg
dung tit dia phuong.

- TO trinh cap tin dung va cac Phu luc duoc danh s6 trang duOi clang "so trang/t6ng s6 trang"
va phai co Clay du chili' kj, cua cac cap theo quy dinh.

Don vi tinh trong Ta trinh cap tin dung bp dung th6ng nhgt la "trieu d'Ong"cla dtioc ghi chu tai
phan footer.

D61 vdi cac not dung can lam not bat: TTKD s6' dung in dam, in nghiOng, gach chan,...

- Phan nhOm chCi s6 theo chugn ph6 th6ng mac dinh cua may tinh:
✓ Dgu phgy "," ngan cach hang ngan, hang trigu, hang tji

✓ Dgu chgm "." ngan cach hang thap phan

VD: 12,345,678.99 VND.

- Nham tranh sai sot do thigu/sai lgch th6ng tin, TTKD can dung dOng mau bigu Tel trinh cap
tin dung KHCN danh rieng theo san phgm cho vay mua/nhan chuygn nhticing BDS theo Th6ng
bac, s6 1459/2020/TB-TGO ngay 10/7/2020 va cac van ban sua d6i, b6 sung tin-1g theii kjr

IV. CAC BIJOC THLIC HIEN THAM DINH TIN DUNG

&tad Cong viec N8i dung/Cach thLtc hien TN lieu lien quan
1 Chugn bi Tu' vgn, phang vgn KH. BO HSTD t6i
tru'fic thgm - Tip nhgn HSTD: tiep nhan h6 so khach hang cung cap thigu
dinh theo quy dinh tai thoi digm trubc khi phg duygt cua san
phgm cho vay mua/nhan chuygn nhu'ong bat dOng san
danh cho KHCN (xem Phu lyc 2 - Danh myc ho so' vay von)

Truy xugt thong tin: tra scat lich giao dich tin
dung theo quy dinh tren CIC, TCBS, FBE
- Xac dinh dia digm thgm dinh thu'c te. bao g6m nhung khOng
gidi han mot trong cac dia digm sau:
 HUtNG DAN Ma s6 HD-TDCV.01
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THAM DINH CHO VAY Dal VOI SAN PHAM
isi1111113ANK 5/22
CHO VAY MUA /NHAN CHUYN NHUONG
S6 trang
BAT DONG SAN DANH CHO KHCN

Butt C6ng viac Nei dung/Cach thyt hien Tai lieu lien quan
Tai nha/ndi d cua KH
Tai ndi SXKD/ndi lam viec/noi tao ra thu nhap cua KH
+ Tai ndi KH gop yen kinh doanh
+ Tai ndi nha/dat clang cho thue
Tai ndi PTVT cho thue clang du'oc dung
Tai ndi KH clang lam viec d6i ngYen thu nhap tii
'Yong.
+ Tai nhang ndi phu hop khac (neu co)
Len lich hen tharn dinh thu'c to (neu co)

Thgm dinh - >lc, trao d6i phong van KH/nhan su' có lien quan ve ChYng tt:/' b6

thyc to cac thOng tin trong HSTD sung theo yeu

- Chup anh ndi 6, ndi hoat Ong SXKD cua KH, ndi phat sinh cau
nguen thu nhap tra nd. Hinh chup
- Tiep nhan th6ng tin, chUng tit b6 sung (neu có) thu'c to

T6ng hop & T6ng hop cac bang chiing & phan tich, tinh town nhu ceu vay, Bang chYng
Phan tich kha nang tra nd tren co sal:
thong tin ThOng tin ye Nhan than, uy tin/lich stY tra nd cua KH: thu'c
hien theo Dieu 1, 2 Muc V
Thong tin v'e Phucing an vay: thu'c hien theo Dieu 3 Muc V
ThOng tin va Ngu6n thu nhap: thu'c hien theo Dieu 4 Muc V

Lap TO trinh Nh'ap lieu cac not dung cla tham dinh vao Tc1 trinh. TO trinh cap tin

cap tin dung Trinh cap kiem soat va clang ky trinh cap tharn quyen phe dung da ky kiern
duyat theo quy dinh hien hanh. soat

V. HU'ONG DAN THAM DINH:

1. KIEM TRA HO SO PHAP LY KHACH HANG

Tieu chi Bang chi:Mg Cach thCic thiic hien

Ho ten, ngay Chiing minh nhan dan (CMND), he - Cac n'di dung Ten khach hang, nam sinh,
sinh, tu6i, s6 chieu, hoac he khau/ KT3 tu6i, s6 CMND, ngay cap, ndi cap (can cif
CMND/CCCD CMND/CCCD, He khau, GCN...)
/He chi& - Kiem tra hieu lu'c cua CMND/CCCD.
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THAM DINH CHO VAY D61 VOI SAN PHAM Lan ban hanh 01 (0./.g./2020)
yg V.-4A
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tIY. CJC "1
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S6 trang
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Tieu chi BAng chi:mg Cach thiic thu'c hian

- Kim tra tinh th6ng nhat giCia thong tin tren

CMND/CCCD/HO chigu vOi cac ho so co lien
quan (Giay dang ky kat hon, H6 khau, Giay td
chang nhan so hau/s0' dung tai san...) dam
bao tinh chinh xac va hop le.
- Kigm tra de tudi cua KH xem co phO hop vOi
quy dinh san pham

Dia chi thudng H6 khau, trudng hdp dia chi thudng tru - Dia chi thu'ang tru: Theo s6 h6 khau cCia
tru khac dia chi lien he thi b6 sung them khach hang.
dia chi tam tru va kiam tra, thu thap - Dia chi lien t-i: Ndi 0 thudng xuyen c0a
GCN sd hCiu tai san tai dia chi thudng khach hang, can cd KT3/GCN/giay tam tru
tru (ne"u co) hoac KT3 hoac giay tam hoac tham dinh thy'c t6
trio - CO HKTT hoac KT3 tai ndi Vietbank co dia
diem giao dich hoac tai cac dia ban khac co
ban kinh cach ndi VB co diem giao dich khong
qua 40km (theo google map)

Cong viec HOLD, Quyat dinh to6 nhigm hoac Nghe nghiep chinh cilia khach hang. Kigm tra
hign nay Quyel dinh thang chCfc.../chUng tii cac chdng to KH cung cap, kiam tra thOng tin
cho thue tai san/giay phep kinh cuc thug,...
doanh...

Ma khach He th6ng FBE Kigm tra KH da co ma CIF ten he th6ng FBE

hang (neu co)

Tinh trang hon Giay dang ky kgt hOn/Giay xac nhan Phan anh tinh trang h6n nhan cCia Khach
nhan tinh trang hOn nhan,... hang tai thdi diem tham dinh, chon theo cac
thong tin Chua kat hen/ Da kat hen/ Ly hOn-
Goa

Dien thoai 06i chieu danh ba dign thoai (Yellow Dien dOng thong tin
page)/Website/Bien lai Wen dien thoai

Thong tin ve Xet theo phap ly tai thai diem hien tai, Tudng tu nhu' th6ng tin ve khach hang
khach hang/ tudng tu' nhu' thong tin ve khach hang.
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THAM D!NH CHO VAY DOI VOl SAN PHA m Lan ban hanh 01 (OIL/2020)
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Se trang
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TiOu chi Bang chiing Cach thttc thitc hian

vo/chOng Rieng thOng tin ye m6i quan he giCia

khach hang/ ngu'di dung kY vay vdi KH/ vo cheng
Ngudi dOng kY KH can cu' theo chCfng tif chCing minh
vay/Ngudi m6i quan he (giay khai sinh, he khau,
cam ket dOng cac chCfng khac,...)
tra no/bao
lanh (neu co)

2. LICH TIN DUNG COA KHACH HANG

2.1 Tinh hinh quan he tin dung cua Khach hang, nhom khach hang lien quan tai Vietbank va cac
TCTD:

a. Tinh hinh quan ha tin dyng cua Khach hang tai cac TCTD:

Thyt hien tra cdu CIC theo huting dan s6 1043/2017/QD-TGD ngay 13/09/2017 v/v ban
hanh hudng dan tra cCru thong tin CIC, ding van s6 108/NVCV-PT&QLTD.12 ngay
19/5/2012'v/v ban hanh quy dinh va hudng dan tra thOng tin CIC va cac van ban siia
d6i, b6 sung tiing thdi ky. Ngobi cac hudng dan vilfa neu, TTKD danh gia cac not
dung sau:

Ghi ro ngay tra cal th6ng tin CIC, theo quy dinh la khong qua 20 ngay so vdi thai diem
trinh phe duyet. Doi chieu s6 lieu CIC vdi bao cao tai chinh cua khach hang, neu co sti
khac biet can neu re nguyen nhan va cac tai lieu chLeng minh (neu co).

Liet ke th6ng tin lien quan den du nd vay va tai san dam bao cua Khach hang vay va
nhom khach hang co lien quan tai cac TCTD.

Du' nd: Du' nd hien tai cua khoan cap tin dung theo ddn vi tinh trieu dOng.

Tai san bao dam: Cac tai san dam bao cho khoan vay va tri gia.

Nh6m khach hang lien quan: Liet ke thong tin chi fiat cua tiing khach hang lien quan
la ca nhan/t6 chCfc theo quy dinh cua Vietbank

Copy bleu do CIC ve dian ban nd vay cua khach hang va nhOm khach hang có lien
quan (neu co) trong 12 thang qua vao TO trinh cap tin dung.

Uy tin trong quan he' vdi cac TCTD: Xac dinh chat luring tin dung cua khach hang tai
cac TCTD, khach hang da tong phat sinh nd tif nhom 2 dan nhom 5NAMC/cham thanh
toan the tin dyng hay kh6ng? S6 tien, s6 Ian, nguyen nhan, ngay phat sinh nd cu6i cur-1g
 HIJONG DAN Ma só HD-TDCV.01

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BAT DONG SAN DANH CHO KHCN

(ne"u co), tinh hinh khOc phuc. Taking hdp do I& cua TCTD, can thu thap va trinh bay
CO van ban xac nhan cua TCTD dO.

Nhan xet ng6n gon cac bien deng trong quan he cOa khach hang vdi cac TCTD trong
thdi gian qua, tang them/giam bat quan he vai cac TCTD vs-6 s6 tien vay, tai san dam
bao,... cac Ijr do (neu co). Cac du' kien and reng/thu hopingUng quan he TCTD khac,
nguyen nhan cu the (phat sinh du' an mdi, do uy tin du'dc nhieu TCTD mai quan he, do
chu'a hai long ve san phern dich vu, do tinh hinh tai chinh khOng tot, do nganh nghe kinh
doanh tiem an nhieu rui ro,...)

Danh gia not dung khach hang va nhorn khach hang lien quan co hoac chu'a tiing ban
no cho VAMC.

b. Trinh bay tinh hinh quan he tin dung vdi Vietbank qua cac narn then mAu bang ke, trong
(16:

Liet ke thOng tin lien quan den du' no vay va tai san dam bao cua Khach hang vay va
nh6m khach hang co lien quan tai Vietbank:

Du no: Du no hien tai cua khoan cep tin dung thco don vi tinh trieu deng.

Tai san bao dam: Cac tai san dam bao cho khoan vay, va tri gia.

+ NhOm khach hang lien quan: Liet ke th6ng tin chi tiet cOa tiing khach hang lien
quan la ca nhan/t6 chic then quy dinh cua Vietbank va liet kb' cac khoan tin dung
dang phat sinh tai Vietbank then bang ke (trinh bay nga'n gon)

- 06i vdi lich sip' quan he vdi Vietbank, liet ke s6 Ian phat sinh no tr6 han Vert 10 ngay,
nguyen nhan.

2.2 Giao dich khac cua Khach hang tai Vietbank

Liet ke thOng tin giao dich cua khach hang vdi Vietbank trong narn hien tai va naarn trubc
lien ke theo mk bang ke ve Doanh s6 giao dich TK TGTT, TGTK, trong de):
Doanh s6 tien giii thanh toan: Doanh s6 ghi CO tai khoan cua khach hang phat sinh trong
nam giao dich, s6 du cuei ky. Doanh s6 ghi co tai khoan cua khach hang dtioc hieu la cra
loai trif cac doanh s6 ghi co khOng phai Ur' hoat dOng cua khaCh hang, nhti: doanh s6 ghi
co giOi ng5n yen vay, nep tien thanh toan nd vay, chuyen khoan giD'a cac tai khoan cua
khach hang,...

Doanh s6 tien girl co kY doanh s6 cOa tat ca cac tai khoan Wen co kj/ han tron
(bao gom de tat toan va hien hat). "
C
rit..4444.o .

tirt
 HUNG DAN Ma s6 HD-TDCV.01
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THAM D!NH CHO VAY DOI Vd1 SAN PHAM
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CHO VAY MUA /NHAN CHUYN NHUONG
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3. PHUONG AN VAY VON:

3.1 Ho sc1 Phuong an vay v6n theo Danh myc ho sd khach hang: theo Phu luc 02 - Danh muc he sd
vay \ten dinh kern theo San phem cho vay mua/nhan chuygn nhu'ong bat deng san danh cho
KHCN.
3.2 Can cu vao chtimg to khach hang cung cap, NVKD/CVKD nhap day du cac th6ng tin sau vao Td
trinh cap tin dung:

Bang chi'ing Phuong phap

lieu chi
thgm dinh

Logi BDS GCN BDS mua/nhan chuyan nhu'ong, hoac HO mua ban Chung
Dia chi HD mua ban hoac giay dat coc/nep tien hoac GCN BDS
mua/nhan chuygn nhu'ong
Va/hoac Thu'c te':
Vi tri, dian tich, GCN BDS mua/ nhan chuygn nhu'ong, ban ye ky thuat
Dan ndi toa lac
k6t cgu
cua BDS de tim
Chitng tit phap ljt HO mua ban va GCN BDS mua/nhan chuygn nhu'ong,
higu cac th6ng tin
khai la phi trubc ba
lien quan
Ban ban HO mua ban/chuy'an nhu'ong hoac GCN BDS hoac giay
dat cpc/nOp ban
Va/hoac Dien
TOng chi phi mua HO mua ban/chuygn nhu'ong va/hoac phiau npp Can,
thoai:
ban giay dat coc, hoa don mua ban... Goi dign ben ban
Tham khao: Thong tin Internet hoac bao/dai hoac cac
de tim higu th6ng
Cty dia 6c,...
tin
Tian trinh thanh HO mua ban, hoac giay dat cpc/npp tian/hoa don hogc
toan sao kg giao dich TK hoac phigu thu hoac phieu chuyan
khoan hoac Gigy mu'on tin (tru'ang hop vay thanh toan
v6n vay/mu'on cua ben thif ba)
Thai gian mua HO mua ban, giay dat coc/nep Wen va/hoac GCN BDS
BDS mua/nhan chuygn nhu'ong

Mac thgm dinh Phu'Ong an vay vein cua Khach hang, can phai lu'u y cac digm sau:
Can xac dinh co m6i quan hg ho hang, ea con hoac cac m6i lien quan khac giu'a Ben mua va
Ben ban nhAm dam bao tinh khach quan trong vigc vay yen, Cu the:
Neu ben mua va ben ban co mei quan he ho hang hodc cac moi lien quan khac, can tim higu
ly do chuye.n nhupng mua ban la binh thueng hay mua ban kheing? Can tra C/C cud ben ban
 HLJ'ONG DAN Ma s6 HD-TDCV.01
Lan ban hanh 01 (.03/1./2020)
' VIETBANK THAM COM CHO VAY DOI VO1 SAN PHAM
CHO VAY MUA /NHAN CHUYE'N NHU'ONG 10/22
S6 trang
BAT BONG SAN DANH CHO KHCN

cid' cianh gia ky hon. Tru'ang hop ke't qua tra C/C the' h/en ben ban có thong tin clang phat sinh
no' qua han tai cac TCTD thi can lam rc5 nguyen nhan phat sinh nq qua han. Ngoai ra, vdi nhCing
tru'ang hop nhu' the nay can can nhac, xem xot can trong, j thain dinh kha ky ludng ve kha
nang lien quan khoan vay /an nay (do uy tin tra no' la mot ye'u to kha quan trong trong qua
trinh phe duyet cap tin dung).

Ngoai myc dich mua BDS cho chinh Khach hang, San ph5m con tai tra mua BDS cho
b6/me/vo/ch6ng/con ru6t...vdi dreu kren xac dinh clu'oc Khach hang c6 ten tr8n H6 khu vdi
ngudi dudc tai tro hoac co dang kji tam tru tai cung dia chi vdi ngudi du'oc tai trd hoac co cac
chiing tu' phap ly khac chang minh du'oc m6i quan he.

Can ki6m tra gia mua ban tren hap d6ng mua ban/Hop &nig dat coc (trong tru'ang hop du'oc
sif dung d6 thay th6 cho hap Tong mua ban) va so sanh gia t6i thi6u 03 BDS co vi tri tu'cing
&Ong cung khu vu'c BDS mua d6 xac dinh gia tri thiyc BDS mua. Neu co sd danh gia, so sanh
gia tri BDS mua: Cung cap cac &fang link BDS tham khao, th5m dinh, khao sat thcfc
dO danh gia gia mua ban co hop hay kh6ng? Phu hop vdi gib thi trudng hay khong?

Th5m dinh nguon von tu' CO tham gia vao phudng an: Phbn von co tham gia vao phificing an
co kha thi, ph6 hgp vdi tinh hinh tai chinh hren taidia khach hang?
4. NGUON THU NHAP TRA NO

4.1 Quy dinh chung:

TTKD chiu trach nhiam tinh xac thu'c, hop phap, hop 19 va phi hop theo Quy dinh san phbrn
cho vay mua/nhan chuy6n nhu'ang b5t d6ng san danh cho KHCN, Quy dinh khac cua Vietbank
trong tong thai kji d6i vdi cac thong tin ve ngu6n thu nhap tra no cua KH:
- Tinh xac thVc

• KH c6 kha nang cung cap tu' chCfng minh ngtiOn thu nhap hi8n tai.
• Vietbank CO kha nang xac minh/kigm tra nguon thu nhap cua KH.
- Tinh hop phap

• Nguon thu nhap cua KH dung theo quy dinh cua phap luat.

• CO co so d6 xac minh/ki6m tra nguon thu nhap la dung quy dinh phap luat.

- Tinh hap 19

• Ngu6n thu nhap co ph0 hop vdi cli8u kien s6ng/hoat d6ng SXKD hien tai cua KH.
,..";;7\
0c.
• Ngu6n thu nhap dam bao tra no cho Vietbank.

- Tinh phu hop cua nguOn thu nhap KH (nganhingha, ngu6n tra no) vdi dinh hudng tin du
 HONG DAN Ma s6 HD-TDCV.01
2, 01 (O./S./2020)
THAM DINH CHO VAY DOI VOl SAN PHAM Lan ban hank
VIETBANK
'at er
CHO VAY MUA /NHAN CHUYE'N NHUVNG 11/22
S6 trong
BAT DQNG SAN DANH CHO KHCN

dinh san phgm va cac quy dinh khac cua Vietbank trong tiing thoi ky.

4.2 Can d6i ngifon tra no: TTKD ligt ke tat ca cac khoan thu nhap va chi phi cua KH de danh gia
can d6i nguiin tra no cua KH

PhuOng phap
Tieu chi Bang cht'ing
thgm dinh

CP sinh hoat gia N/A Thu'c tg

cap difong (bao gom GA Tham khao: H6a don/ bign lai tien Lu'u Khong duOc thgp hon CP sinh
ngtioti phu thuOc) • dign/ nuOc/ dign thoai/ internet/ hoat t6i thieu quy dinh tai Phu luc 03
tivi/ cap/ HO khgu... cua san phgm cho vay mua/nhan
chuygn nhuong bat dOng san danh
cho KHCN
Chi phi tra no tai cac Tai TCTD/ Ca nhan khac: Thong Thu'c tg va Chimg to
TCTD khac/ben thd ba tin CIC/ va HDTD/ Lich tra no/
KUNN/ Gigy vay/ Gigy mu'on tier)

Chi phi tra no vay hign N/A Ching to

huu tai Vietbank Tai Vietbank: He th6ng FBE

Chi phi tra no khoan vay Can cif kg hoach tra no va thcfc tg Thuc to va Chang till'
ran nay (g6c+lai k9 cao tai chinh cua KH
nhgt)

4.3 Chi tigt Ngtion tra no:

a. NguOn tra no tit lifong:

' Phu'ong phap

Tieu chi Bang cht:ing
thgm dinh

Ten co quan lam GPKD, MST, HOLD Ch(ing tu, thu'c tg

vigc Tham khao: Internet/bao/dai/tivi...

Thai gian lam viec HOLD, gigy xac nhan cong tac. ChCing to va Dign thoai
phong van

Chitc vy HOLD, Quygt dinh b6 nhigm hoac Quygt dinh Chang to va Dign thoai •
thang phong van

Mitc Itiong/Hinh Tci khai thug thu nhap ca nhan/ HOLD va sao kg
 HU'ONG DAN Ma s6 HD-TDCV.01

THAM DINH CHO VAY 061 VOI SAN PHAM Lan ban hanh 01 03/S.12020)
if 111111ANK
WA 140447 UMIC114 TM
CHO VAY MUA /NHAN CHUYgN NHUONG 12/22
S6 trang
BAT DONG SAN DANH CHO KHCN

Phtiong phap
TiOu chf Bang chitng
thgm dinh

thik nh4n Itiong giao dich TK luting/ bang liking/ phigu nhan luting/
gigy xac nhan

Thai h4ln HOLD HOLD, gigy xac nhan cong tac. Ching to va Dien thoai

Anh chyp - Hinh chup KH; bang ten va chitc vu KH (n6u c6)
- Hinh chup cd quan lam viec cua KH, th6 hien dia
chi, bang hieu.
- Hinh chyp tai san tich lay cua KH, c6 th6 hien
dia chi cua Tai san
(Theo quy dinh chup hinh anh cua Vietbank)

* Philp 19 chiing tit.

- Hop Ong lao Ong, Quy6t dinh b6 nhiem/Quygt dinh tuy6n dyng/Quy6t dinh tang luong...:
Yeu cau Khach hang phai c6 thdi gian ding tac toi thigu tai Don vi hien tai la 12 thang;
Trutng hop Khach hang citing tac chu'a du 6 thang tai ddn vi hien tai, nghi b6 sung HOLD
dm don vi cu hoac sao ke tai khoan luting 6 thang !Yong gan nhgt Iran 1(.6.
- Hap Tong lao 'Ong, Quya dinh b6 nhiem/Quyel dinh tuy6n dyng/Quy6tdinh tang luong...
phai c6 day du chit k9, con dgu cua dai dien hop phap dm Ben sCt dung lao Ong va chCt k9
cua ngitai lao Ong va c6 xac nhan (dOng day).

- Thu'c hien ki6m tra tinh hop 19 cac th6ng tin tren Hop Tong lao Ong, Quy6t dinh b6
nhiem/Quyel dinh tuygn dyng/Quya dinh tang luting_ dam bao tinh logic bao ngay
k9 hop Tong lao Ong/b6nhiern/tang ludng, dia chi, s6 dien thoai...Truting hop phat hien sit
bgt hop I9, you cau Khach hang cung cgp chitng tit chimg minh/diai trinh.

- Kim tra tinh phap 19 dm Sao ke luting 03 thang gan nhgt: C6 day dO thOng tin Ngan hang
(ten, logo, dia chi, chit k9 cCia nguti dai dien hop phap cua Ngan hang, con dgu Ngan
hang...)
- Kim tra tinh 0419 cua Xac nhan luting/Phi& nhan Itiong/Phi6u trich Bang trong
3 thang gan nhgt: c6 Tay du thong tin doanh nghiep (Ten, dia chi, chCt k9ngu'di dai dien hop
phap va con dgu doanh nghiep).
* PhLtang thitc tfnh ghi nhOn Ngubn thu:
 HUONG DAN Ma s6 HD-TDCV.01
Len ban hanh 01 (0.318,32020)
THAM 'DINH CHO VAY DOI VOI SAN PHAM
VIETBANK
13/22
CHO VAY MUA /NHAN CHUYN NHUQNG
S6 trang
BAT DONG SAN DANH CHO KHCN

Trong mpi fru/Ong hop, u'u tien viec ghi nhan Ngubn thu nhap tiY lu'o'ng dutic thanh toan qua
TK ngan hang:

- Kibm tra sao ke, ghi nhan ngu6n thu du'oc tra qua tang thang.

- Tru'Ong hop ngu6n thu cac thang co chenh lech, thu'c hien ghi nhan mac trung binh cua
6 thang.

- Tru'ang hop sao Ice khong the hien CO nOi dung: Thanh toan luong/tra lu'ong...c6 the xac dinh
du'a tr6n cac giao dich deu dan hang thang.

Tru'ong hop luting cua Khach hang khong &lac thanh toan qua TK ngan hang:

Vi d6 tin cay cua chCing of hien hau khong cao nen viec ghi nhan nguon thu nhap tii lu'ong
can phai du'a vao cac thong tin ghi trong HOLD nhu': chat vu, trinh d6 hoc van/chuyen mon
va cac thong tin b5 sung (Kinh nghiem lam viec tai vi tri, quy mo va uy tin cua doanh nghiep
noi khach hang cOng tac...) de xet tinh hdp ly cua mac lu'dng do Khach hang khai bao

Lu'u y:

Neu xac dinh Khach hang lam viec tai cac doanh nghiep cua nhO'ng ngu'ai co quan he
66/mg/anh/chi/em ruOt...thi ngoai bang xac nhan lu'ong, Khach hang phai be; sung Bao
cao tai chinh cua doanh nghiep gi6ng nhu' chang minh nguson thu nhap tif host Ong
kinh doanh.
o Tru'ang hop nhan thay Khach hang kb khai/du'oc xac nhan/du'oc chuyen khoan mac
ludng cao bat thu'ang so voi mat bang lung chung, NVKD/CVKD co the kiem tra cheo
mac lu'ong mac d6ng bao him xa h6i/mac cua nhan sa cung vi tri, nganh nghe,
chdc vu... va ghi nhan vao To trinh cap tin dung.

b. Ngubn thu nhep tiff cho thud BDS/dOng san

Phticing phap
Tieu chf BAng chiing
thgm dinh

Ten BDS/DS Hinh chop ban chinh/ban sao y car-1g chCing khong Chang to
qua 30 ngay tinh den ngay trinh h6 sd d6i vdi cac (Neu CSH kh6ng
chang sau: phai la KH thi phai
BDS: GCN BDS hoac HD mua ban/chuyen neu m6i quan he
nhaong BDS cho thue, CMND, HO khau... va giaa KH va CSH)
chang chang minh m6i quan he giaa cho so
hau va KH
 HU'CiNG DAN Ma s6 HD-TDCV.01
Ln ban hanh 01 (0/S../2020)
VIETBANK THAM DINH CHO VAY Dal VOI SAN PHAM
CHO VAY MUA /NHAN CHUYgN NHUVNG 14/22
S6 trang
BAT SONG SAN DANH CHO KHCN

Phitong chap
Tieu chi BAng cht:Mg
tham Binh

SOng san: Giay clang kjr PTVT hoac hos don mua
ban/ HO chuygn nhu'ong PTVT cho thug, CMND,
Ho khau... va chimg tif chi:mg minh m6i quan he
giaa chit sO hau va KH

Ben thud - HO cho thug/ Giay nhan tien/ Giay chuygn tien Chdng tOlDien
Tham khao: SO sach then doi, S6 clang ky tam trY, thoai (goi cho ben
tam yang thue)/Thtfc t6

Thai han cho thud HD cho thug ChCtng

Tham khao: SO clang kY tam tru, tam yang

Gia thue/Phu'ang HD cho thug/ Phu thu tien/chuygn khoan/ Giay n6p Thu'c to va Chang
thuc thanh toan tien/ Sao ke tai khoan tix

Tinh 6n dinh cua HO hien tai va ca nhOng HO CO (rt &

. ca) hoac sao kg ChCing tit
thu nhOp giao dich TK

Hinh chup Hinh chup bat Ong san, dOng san cho thud (ca th6
hien dia chi cua bat dOng san, dOng san cho thug);
del voi bat dOng san cho thug lam phOng tro thi hinh
chup thg hien s6 phOng tro cho thug
Hinh chup tai san tich 10y cua khach hang, co thg
hien dia chi cua tai san
(Theo quy dinh chup hinh anh cua Vietbank)

- Thu'c hien kigm tra tinh chap lc/ cua cac cht:Mg cht:ing minh ngubn thu: Khach hang la
chit so hat BDS/dOng san cho thug/co quyen khai thac va du'oc hu'Ong loi tt:/c ti.r viec cho
thug.

- Tru'ang hop Khach hang khOng dung ten tren cac giay phap' ly: Khach hang can cung
cap them cht:Mg (Ciy quyen cong chang cho phep Khach hang ce quyen khai thac tai
san cho thue/Oy quyen c6ng cht:ing trong tru'ang hop Khach hang du'oc hudng loi tt:ic
viec cho thug tai san).

- Tru'ang hop Khach hang CO 2 hop di5ng thug tai san: mot hdp (long cong Chung, mot
dOng khong cong ch(ing co gia tri khac nhau. Viec ghi nhan then gia trl hop dOng nao
 HUNG DAN Ma s6 HD-TOCV.01

THAM D!NH CHO VAY Dal VOI SAN PHAM Lan ban hanh 01 01,./.8.12020)
VIETBANK
CHO VAY MUA /NHAN CHUYEN NHUVNG 15/22
S6 trang
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dudc clanh' gia du'a tren cd sd can nhac gia tri thi trtiang va cac chi/rig to thanh toan do
khach hang cung cap tai thdi diem tham dinh.

- Viec ghi nhan thu nhap hang thang tif khai thac tai san clu'dc the hien trong gia cua vied
cho thue, mu'an quy Binh trong hdp di5ng. NVKD/CVKD xCi ly h6 sd xac dinh dudc thu nhap
nay tif di6u khoan gia ca tai Hop cfong cho thue

c. Ngtion thu tit host Ong kinh doanh:

Phu'ong phap
lieu chi Bgng chiing
thgm dinh

Thong tin phap lY cd GPKD hoac Giay phep hanh ngh6 hoac giay ChCing tit hoac Thu'c
sd/DN (Ten, dia chi, chiing nhan du clieu kien kinh doanh/giay clang t6
so GPKD, (lien thopi, ky thue/giay xac nhan SXKD cua cd quan nha
Ioai hinh, nganh nu-'dc to cap Xa/Phu'Ong trd
ngh6) Tham khao:ThOng tin tren website cua cd sell
DN/phang van Khach hang va ngudi dan xung
quanh

Kinh nghiarn GPKD/ S6 sach theo dal SXKD Chang to hoac Thkic
SXKD&DV Tham khao: Bang quang cao/gidi thieu cua cd t6
sd/DN hoac website cua DN (neu c6)/ph6ng
van Khach hang va ngudi dan xung quanh

Hang hdia/san phi% GPKD/ S6 sach theo doi SXKD / BCTC Thu'c va Chung
SXKD Tham khao:ThOng tin tren website cua cd sd/
DN/quang cao dia DN hoac HO mua ban/h6a
don ban hang/phieu dat hang

Cd sd vat chat (hoac GPKD/ BCTC (neu c6)/S6 sach theo doi SXKD Thu'c to va ChCing to
dia diem kinh doanh) Tham khao: internet/ bao/ dai/ tivi...

Phdong phap t6 chiic N/A Thu'c te`

SXKD

Ngu?3n dgu vac BCTC (nat.] c(5)/ S6 sach theo doi SXKD/ HO Chitng tit
dau vao

NguOn dau ra BCTC (neu 66)/ S6 sach theo doi SXKD/ HD Chimg tit
l.
 HLIONG DAN Ma s6 HD-TDCV.01

THAM D!NH CHO VAY Dal VOI SAN PHAM Lan ban hanh 01 (03./.g./2020)
is;- MBANK
MAISOIMITINACTI
CHO VAY MUA /NHAN CHUYE'N NHUVNG 16/22
S6 trang
BAT SONG SAN DANH CHO KHCN

Phuvng phap
Tieu chi Bang chiing
thgm dinh

crau ra

Doanh thu BCTC/ S6 sach then doi SXKD / T6 khai VAT ChCmg tif
hoac sao ke giao dich TK.
Tham khao: HD mua ban/ hoa dizin ban hang

Tai san Iuu TOng BCTC/ S6 sach then doi SXKD / TO khai VAT ChUng tit

Thu nhap tit host BCTC/ S6 sach then doi SXKD / T6 khai VAT
dOng SXKD hoac sao ka giao dich TK.

Tinh 6n dinh cua thu BCTC/ S6 sach then doi SXKD / TO khai VAT Chitng
nhap hoac sao ke giao dich TK.

Hinh chup Hinh chup mat bang, van phang kinh doanh
khach hang/c0a c6ng ty khach hang gOp von,
co thg hian dia chi van phong kinh doanh
Hinh chup nha xu'Ong san xuat kinh doanh
cua khach hang/cCia c6ng ty khach hang gOp
vein, co thg hian dia chi van phOng nha xu'Ong
Hinh chup kho hang cua khach hang/cua
cOng ty khach hang gOp von, co thg Nan dia
chi kho hang
Hinh chup tong thg he thong may m6c thigt bi
cua khach hang/ciia c6ng ty khach hang gOp
von;
Hinh chup giam d6c (doanh nghiap)
(Theo quy dinh chup hinh anh cua Vietbank)

Tinh hinh kinh doanh: thyt hign mo to tinh hinh hoat dOng kinh doanh cua Khach hang

Hoat d6ng san xuat kinh doanh chinh: Linh vu'c hoat d6ng kinh doanh chinh.

Cac san pham kinh doanh chinh: Liat ka cac san pharn/nhOm san phamidlch vu ma COng ty
cung cap c6 tji trong cao trong doanh thu (tU. 5% trO Ian), so sanh t' trong san pha
vu trong tong doanh thu va tjt le xuat khau (ngu co). Trinh bay dac digm, tinh nang, co
 H LANG DAN

THAM D!NH CHO VAY DOI VOI SAN PHAM

w VIETBANK
WA -OA ug r4414,
1
CHO VAY MUA /NHAN CHUYN NHUVNG
BAT DONG SAN DANH CHO KHCN

cua cac san pharn/dich vu, ngu'di dung cu6i cOng,...

- Quy trinh san xuet/Phu'ong thitc kinh doanh:

Tarn tat so Ix) quy trinh kinh doanh/san xuat cua Cong ty khau dau tien (clang tien chuygn
di) cho den khau cu6i cung (clang tien thu ve). D6i vOi don vi co hoat dOng san xuat, can
trinh bay cu the quy trinh san xuat tif nguyen li5u dau vao cho d5n khi thanh thanh ph5rn,
cad thong s6: cOng sual thiet ke, cOng sual thu'c t6, dinh mdc tieu hao nguyen vat li5u, thdi
gian mot chu trinh san xuat, ty trong cac chi phi trong gia thanh,...

- Mat bang san xuat kinh doanh

Dien tich Hinh thCfc sat hitu
NOi dung Dia digm
u'ac lu'ong (c6a DN, thug moon)
1 Van phOng/m4t bang KD
2 Nha xudng
3 Kho bai
- MMTB, tai san khac

TT NOi dung 56 !Lisping Gia tri Vac Myc (Itch sit dung
1 MMTB chinh
2 Cac tai san khac (ndu co)

S6 lu'dng lao dOng

+ S6 nhan vien van phOng:
+ S6 cOng nh'an:
+ Mdc him-1g binh quan:

- Thi tru'ang dau vao va dau ra

Dau .vao - Nha cung cap

Tan nha Nguyen vet Phuidng Phu'ong thCic

Thai gian b5t
TT cung cap lieu/san phem thiic giao thanh toan
clau quan h5
chinh cung cap chinh hang chinh

1 Trong nutc

2 Nu'6c ngobi

t,%)
•.?
Iger6.
 HU'ONG DAN Ma so HD-TDCV.01
r Lan ban hank 01 (0./.$.12020)
THAM DNH CHO VAY 061 VOI SAN PHAM
IB IllETBANK
/KA KOK Ye N4M MAC DI
CHO VAY MUA /NHAN CHUYgN NHUVNG 18/22
S6 trang
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Dau ra — Thi tru'ang tieu thu

Phiiong that
Ten khach hang Thdi gian lo5t San phern tieu thy PhUidng thitc
TT thanh toan
chinh deu quan he chinh giao hang
chinh

1 Trong nu'Oc

2 Nu'oc ngoai

- Nhan xet:
+ Quy m6 co sa so vai cac h6/ca nhan kinh doanh a dia phu'ong/cac c6ng ty cung nganh
nghe, rinh yvc.
+ Tinh kha mai cua san phgm, hang hOa tren thi tru'ang.

+ Kha nang quan ly, dieu hanh SXKD cua Khach hang.
+ Liu the, thuan Iqi ya kh6 khan, thanh thCfc d6i vai nganh ngh6, san phgm kinh doanh cua
Khach hang.
Ket qua kinh doanh va tinh hinh tai chinh
Tinh hinh tai chinh:

TAI SAN Gia tri tibc tai thai

1. Doanh thu binh quan/thong (*)
2. Ldi nhuan binh quan/thang (**)
3. Miic thud' binh quan/thong
4. Ty suet Idi nhuan/Doanh thu (4)=(2)/(1)
Ghi
(*) Doanh thu binh quan/thong du'oc xac dinh theo c6ng thCfc sau:
1
Doanh thu binh quan thong = Doanh thu binh quan 1 ngay x SO ngay trong thong (1)

Trong do: Doanh thu binh quan 1 ngay = Tong doanh thu cac ngay thu thep duvc s6 lieu (2)
S6 Nay thu thap s6 lieu
Liu
 HUtNG DAN Ma so" HD-TDCV.01
Lan ban hanh 01 (C3./.g./2020)
THAM DlNH CHO VAY Dal VOI SAN PHAM
VIETBANK
19/22
CHO VAY MUA /NHAN CHUYE'N NHLIONG
S6 trang
. BAT DQNG SAN DANH CHO KHCN

+ Trutng Nip 1: KH ghi chep/theo doi s6 lieu hang thang Tay (16, NVKD/CVKD xac dinh Doanh
thu binh quan 1 ngay va thang theo cOng thac (1) va (2) neu tren.

Quy u'ac s5 li5u "Dey MI: la s6 lieu thu thap du'oc trong yang tei thieu 30 ngay lien tuc gen
nhat tinh den thai diem tham dinh.

+ Tru'ong hdp 2: KH ghi chep/ theo doi s6 lieu khong day du hoac khOng ghi chep/theo doi so"
lieu, NVKD/CVKD them dinh nhu' sau:
Them dinh thu'c te: Den not t6 chile hoat dOng cua KH/ quan sat hoat dOng kinh doanh/
quan sat lu'ong hang haa/clich vu ban ra; quan sat quy m6/s6 Wen cua giao dich de ghi
chep/tinh toan doanh s6 giao dich hang ngay (t6i thieu 1 ngay — neu kh6ng co quy Binh
nao khac cua Vietbank)
DT binh quan ngay = S6 lu'dng KH * Doanh s6 giao dich/KH (3)
Hoac
DT binh quan ngay = S6 lung hang haa/dich vu * don gia ban hang hOa/clich vu (4)
Sau do áp dung Cong thitc s6 (1) neu tren de xac dinh Doanh thu thang.
Hoe‘c Tharn dinh ch(ing tit:
• D6 righi KH theo doi va cung cap doanh s6 ban hang trong t6i thigu 03 ngay lien tigp
(neu khOng co quy dinh nao khac cua Vietbank) kg tit Nay NVKD/CVKD tign hanh
tham dinh.
• Sau khi co DT 03 ngay ke tren, NVKD/CVKD xac dinh Doanh thu binh quan ngay va
thang theo c6ng thiirc (1) va (2) neu tren vdi "S6 ngay trong thang = 30 ngay"

*Quy u'oc trading hop KH "khong ghi chep/ theo dal s6 lieu" bao gem:
• KH kh6ng ghi chep/ theo dal/ luu tra so lieu.
• KH khOng cung cap chtimg vi ly do khach quan. Trong truting hOp nay,
NVKD/CVKD phai trinh bay ro ljr do khong cap chiing tit va can cif them dinh trong
Ta trinh tin dung.

D6i vai taking hop (1)/ (2), NVKD/CVKD khi thu thap thong tin phai loaf trY' cac yeu to "crau
co"/ thdi vu eao diem trong nam/ quy/ thang/ tuen va yeu to khac de khong lam tang clOt [Dien
s6 lieu so vdi Cit binh quan cua nganh/ nghe ma KH dang kinh doanh

(**) Lgi nhuen binh quan/thang =Doanh thu binh quan/thang — Chi phi binh quan/thang (co bao
gem CP lei vay nigan hang)

4.4 Ngtion khac: Nguen thu c6 hoac hoat d6ng gap von vao doanh nghiep ma khach hang
khOng co ten tren Dang kjr kinh doanh.
 HUsdNG DAN Ma s6 HD-TDCV.01
Lan ban hanh 01 (03./S../2020)
Irj VlETBANK THAM DINH CHO VAY Dal VCI SAN PHAM
CHO VAY MUA /NHAN CHUYgN NHUVNG 20/22
S6 trang
BAT DONG SAN DANH CHO KHCN

- Vdi nguon thu tif c6 cac chiing can cung cap

+ S6 c6 &Mg/Mc nhan so hCiu c6 ph.an cua C6ng ty/S6 ky chang khoan.
+ Thong bao chic c6 tCfc gan nhal/Sao ke tai khoan thanh toan co thO hien not dung
nay/Phi6u chi/Ph& thu cua doanh nghiep co the hien nOi dung: Chia c6

Ghi nhan ngu6n thu nhap du'a tren s6 lieu tren cac chCing til nen tren tren cd sa CO d6i
chieu ki6m chCing cher) vse quy mO hoat dOng, loi nhuan cua doanh nghiOp vdi cac doanh
nghiep cung nganh ngh.e, link vtic.

Lu'u ': Neu v6n g6p cua KH tren 50% thi yeu eau tha'm dinh tinh hinh tai chinh d6i vdi
doanh nghiep KH dang g6p v6n

5. TAI SAN TICH LUY GOA KHACH HANG:

Phuong chap
Tieu chi B5ng ch(ing
tham dinh

Ten BDS/DS, Hinh chup ban chinh/ban sao y c6ng chCeng kh6ng ChCing tii
Loai TS/Mo to tai qua 30 ngay tinh Ten nigay trinh h6 so d6i vdi cac
san chCing tif sau:
BDS: GCN BDS hoac HD mua ban/ , chuy.en
nhu'ong BDS
D6ng san: Gigy clang ky PTVT hoac h6a don mua
ban/ HD chuy6n nhticing PTVT

Gia tri TSBD Tham khao tn gia TSBD (du'ang link, thaM dinh
thu'c t6, ...)

Hinh chup Hinh chup tai san tich 10y cua khach hang, c6 the
hien dia chi cua tai san
Hinh chup GCN tai san tich lOy
(theo quy dinh chup hinh anh cua Vietbank)

VI. TAI SAN BAO DAM

1. MO to tai san dam bao:

H6 so Tai san dam bao theo Danh muc h6 so khach hang: theo Phu luc 2 - Danh muc ho SO vay
v6n dinh kern theo Quy6t dinh v/v ban hanh San pha'm cho vay mua/nhan chuyen nhu'ong
 HtIONG DAN Ma s6 HD-TDCV.01
Can ban hanh 01 (0/.8./2020)
THAM DINH CHO VAY DOI V(51 SAN PHAM
- VIETBANK
21/22
CHO VAY MUA /NHAN CHUYEN NHLJONG
S6 trang
BAT ONG SAN DANH CHO KHCN

d6ng san danh chq KHCN - IV/H6 sd Tai san dam bao), ThOng bao kat qua dinh gia cua PhOng
Dinh gia tai san VB/don vi dinh gia d6c lap va tinh hinh tham dinh thdc te:

- Thu'c hien m6 to tai san dam bao va the hien.cac chdng tif sd hu'u.

Kiem tra Tai san dam bao theo chinh sach ye Tai san dam bao cua Vietbank.

Kim tra tinh phap ly cua Tai san dam bao: Thu6c sd hdu cua Khach hang/Ben thd 3 hdp
phap.

Tinh tY16' cap tin dung/tri gia TSDB theo quy dinh.

- Danh gia tinh kha mai cua Tai san dam bao.

LTV = TOng mdc cap tin dung bao g6m ca mdc cap hien tai va Ian nay chia cho gia tri TSBD

2. Cac nOi dung can Iu'u y ve TSDB:

Cac you to bat lai anh huting den tinh thanh khoan cua tai san:

CO mO trong bat (icing san the chap, co nha the to7nha the Ong ho trong bat Ong san the
chip, On nghia trang, dant, gia la kho ban, co h/nh clang khong can cr51, do tuo7 cua chi) tai
san, tai san co nhieu ngu'ai Ong so' hCiu, tal san co gay chu/ng nhan quien so' hel'u dat va .
giay phep xay dung cua nhring ngudi khac nhau,...
\ *C')
Tai san dam bao la BDS chi co gia khi dude ghi nhan hop khoi chung 1 BDS khac.)12 ,
*Ji
chung during di, chung

VII. TAI LIEU LIEN QUAN

Stt Tan tai lieu S6 QDBH

1 San pham cho vay mua/nhan chuyen nhdong BDS danh 1886/2019/QD-TGD ngay
cho KHCN 15/8/2019
2 To trinh cap tin dung KHCN danh rieng theo san phem 1459/2020/TB-TGD ngay
cho vay mua/nhan chuyen nhu'ong BDS va tiOu dCing co 10/7/2020
TSBD danh cho KHCN
3 HdOng den tra cdu thong tin CIC 1043/2017/QD-TGD ngay
13/9/2017
4 Quy dinh va hu'ang dAn tra a/1J thong tin CIC 108/NVCV-PT&QLTD.12
ngay 19/5/2012
5 Chup hinh tham dinh khach hang bang dng dung 2433/2019/CV-TGO ngay
Timestamp camera ENT 22/10/2019
 HU'dNG DAN Ma s6 HD-TDCV.01
THAM DINH CHO VAY DOI Vd1 SAN PHAM Lan ban hanh 01 (0./S../2020)
VIE781
,11,
1 CHO VAY MUA /NHAN CHUYN NHLtONG 22/22
S6 trang
BAT SONG SAN DANH CHO KHCN

THEO DOI PHIEN BAN

Ban hanh Ma to sU thay Ngu' ii hien sop
01 (.03/8../2020) Ban hanh ran d'au Ph6ng Tin dung Ca nh5n