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Techcombank extends its financial services beyond traditional counters. Discover the simplicity of securing a loan online with Techcombank by meeting the necessary requirements and following the streamlined process.
Experience 24/7 Online Loan Approval at Techcombank
1. Various Forms of Online Loan Options at Techcombank
Techcombank currently offers three online loan packages without requiring collateral, providing customers with diverse choices. Consider these options to select the most suitable online loan package from Techcombank.
* Unsecured Consumer Loans
- Loan Limit: Up to 10 times the income, but not exceeding 300 million VND.
- Loan Duration: 6 - 60 months.
- Interest Rate: 18.64% per annum, calculated on a reducing balance.
- Benefits: Includes a consumer insurance package provided by Prevoir Vietnam Life Insurance Company.
* Collateral-Free Cash Advance F2
This online loan option allows you to quickly advance money into your account.
- Loan Limit: Up to 5 times the income, not exceeding 200 million VND.
- Loan Term: 3 - 12 months, with the option for extension.
- Interest Rate: Starting from 13.78% per annum, calculated on a reducing balance.
- Advantages: No interest payment if repaid on the same day or if the usage does not exceed the available balance.
* Installment Loans for Tuition Fees
This Techcombank online loan package supports students who want to enhance their qualifications but lack the means to cover expenses.
- Limit: The loan amount can match the required tuition fee.
- Loan Duration: 12 - 48 months.
- Interest Rate: From 18.64% per annum, calculated on a reducing balance.
- Benefits: Includes a credit insurance package.
2. Eligibility for Online Loans at Techcombank
As mentioned earlier, Techcombank offers support through 3 online loan packages. Each package comes with different eligibility criteria. If you meet these conditions, you can proceed with the online loan application at Techcombank.
* Unsecured Consumer Loans
- Minimum age of the customer is 20. At the time of full repayment, the customer should not exceed 60 years of age.
- Must have permanent or temporary residence registration at the Techcombank branch where you apply for the loan.
- Must have a labor contract with a minimum duration of 1 year or an indefinite-term labor contract.
- Minimum salary transferred via ATM is 5 million VND/month.
* Collateral-Free Cash Advance F2
- Must be a Vietnamese citizen aged 18 - 60 (at the time of full repayment).
- Education: Minimum completion of Vocational School.
- Monthly salary transferred via Techcombank ATM must be at least 5 million VND.
- Minimum tenure at the current workplace is 12 months.
- Must have a labor contract with a duration of at least 1 year. If the labor contract is about to expire, the minimum remaining period must be at least 45 days.
* Installment Loans for Tuition Fees
- Must be a Vietnamese citizen aged 20 - 60 (at the time of full repayment).
- Reside and work in an area where Techcombank operates.
- Labor contract with a minimum duration of 1 year or indefinite term.
- Explore more: How to Apply for Online Loans with OceanBank
3. Procedures for Online Loans at Techcombank
If you meet the online loan requirements and wish to borrow money online at Techcombank, you need to prepare your documents and follow the loan application process.
* Online loan documentation at Techcombank
- Loan application, loan agreement (according to Techcombank's template).
- 1 - 2 passport-sized photos.
- ID card/citizen card/passport (still valid) original and copy.
- Permanent/temporary residence book original and copy.
- Employment contract or equivalent documents.
- Bank statement for the last 3 months.
- Documents proving the purpose of the loan.
* How to apply for an online loan at Techcombank
- Step 1: Visit Techcombank's online loan page HERE.
- Step 2: Fill in and select appropriate information such as Name, Phone number, Email address... in the respective fields. Once completed, click 'Submit Information'.
- Step 3: Techcombank's staff will contact you to advise on the loan package, provide other useful information, and guide you to prepare complete documents.
- Step 4: Techcombank will review and approve the application.
- Step 5: Sign the loan agreement. As soon as the loan is approved, you will receive the borrowed amount.
4. Repaying Your Online Loan with Techcombank
For loan repayment, you can choose one of the following methods:
- Transfer payment via Internet Banking, through ATMs...
- Payment at Techcombank's transaction counters.
Here is the process of applying for an online loan with Techcombank. If you have any concerns, such as the interest rates for Techcombank loans, you can directly contact the Techcombank hotline for advice and detailed explanations.
