SUBJECT: COMMERCIAL BANK 1

OUR TEAM
& CONTRIBUTION LEVEL

KHAI VIET ANH

HOAN THANH BAO THUY THU
100% PHUONG 98,5% LINH 99,5%
99% 99%
 TABLE OF CONTENTS:

INTRODUCE
02 INTRODUCE THE
01 THE LOAN
BORROWER
PRODUCT

03 CREDIT PROFILE
01
INTRODUCE
THE LOAN
PRODUCT
 Applicant:
Individual has lending
demand for buying house
Flexible Repayment Methods
• Loan Limit: Up to 80% of the mortgage
property
Đập tan ác mộng • Loan up to 100% of loan demand and
THUÊ NHÀ up to 20 billion VND
ĐÃ ĐẾN LÚC SỞ
HỮU CĂN NHÀ Tenor: Up to 15 years with preferential
CỦA BẠN 10,5% / year !!!
interest rate
Simple and Fast
Procedures
 Basic requirements
on the borrower
• Application for loan and repayment method form
• House ownership certificate, identity card
• Documentary evidence of financial capacity and
repayment source
• Documentary evidence of the loan use purpose
• Documents of collateral
Basic requirements
on the borrower
Check list

✓ Application for loan and repayment method form

✓ House ownership certificate, identity card

Documentary evidence of financial capacity and

✓
repayment source
✓ Documentary evidence of the loan use purpose

✓ Documents of collateral
 02
CUSTOMER
INFORMATION
 CUSTOMER
CUSTOMER
Hoang Trung That INFO
INFO
Age: 45
ID: 03530304xx
Marial status: Married
Children: 01
Address: xx Nguyen Thi Thap Q7, HCMC
Occupation: Deputy of the department
Nest G
Income: 50.000.000 VND
Judicial record

Identity Card
Judicial record

Temporary esidence
THE DEMAND OF THE
BORROWER
The number of loans: 1.000.000.000 VND
The loan purpose: Purchase a house according to the house sales contract
No xx.. dated 03/12/2021 between Doan Ngoc Tien and Mr. Hoang Trung
That
SURVEY OF CUSTOMER’S
WORKING PLACE

=> The customer's workplace has specific

information, the working location coincides
with the information provided by the
customer.
FINANCIAL RECORDS
FINANCIAL RECORDS
LABOR CONTRACT
- Company: AIA Vietnam
- Address: District 4
- Position: Center Manager
- Working time: 42.5 hours/a week
- Date of signing the labor contract:
01/07/2016
- Effective date: 01/07/2016
- The client works at the insurance
company AIA.
- Customer's labor contract is a long-
term contract.
=> Salary and allowances are
consistent with the labor contract.
FINANCIAL RECORDS
Specific Payroll
Income: 40,150,000 VNDSalary
deductions: VND 9,150,000Amount
received: 31,000,000 VND
=> Salary and allowances are
consistent with the labor contract.
FINANCIAL RECORDS

INCOME CONFIRMATION LETTER

Current income of customer: 31,000,000 VND
(taxes and social insurance included)
+ Living expenses: 10,000,000 VND
+ Financial reserve: 3,000,000 VND
=> The balance can be used to pay the loan:
VND 18,000,000
Land use right transfer
contract
Records of collateral assets.
03
CREDIT
PROFILE
Records of collateral assets.
 PLAN FOR THE REPAYMENT

AMOUNT OF INTEREST MONTHLY FIRST MONTH

LOANS RATE REPAYMENT INTEREST
1.000.000.000 10.5% / years 8,333,333.33 8.750.000
Records of collateral assets.

REPAYMENT
SCHEDULE

=> Customers are fully able to payx

CONCLUTION
 Full legal papers Loan value:
Match the information provided 1,000,000,000
Loan purpose Loan term:
Purchase a house 1 year

Customers have full capacity to repay loans

+ Long-term labor contract at the company
+ Average monthly salary: 31,000,000 (tax and social
insurance included)
+ The balance can be used for monthly payment: VND
18,000,000

=> AGREE TO LIVING CUSTOMERS 1,000,000,000 VND

(12 MONTH TERMS)

CONCLUDE
Thanks!