Vay tiêu dùng tín chấp qua lương tại ngân hàng Baovietbank

Giới thiệu vay tiêu dùng tín chấp qua lương ngân hàng Baovietbank

Sản phẩm vay tiêu dùng tín dụng theo lương tại Baovietbank cho người vay tối đa 1 năm, duy trì hạn mức thấu chi và có thể rút vốn bất cứ lúc nào và bất cứ đâu. Hình thức sử dụng đa dạng bao gồm rút tiền mặt, chuyển khoản tại quầy, Internet-Banking, rút tiền từ thẻ ATM, thanh toán tại các điểm chấp nhận thẻ.

Điều kiện vay vốn tiêu dùng tín chấp theo lương ngân hàng Baovietbank

Đối tượng vay vốn: Cán bộ nhân viên của các Cơ quan nhà nước, Đơn vị hành chính sự nghiệp, các Doanh nghiệp có trả lương qua tài khoản tại BAOVIET Bank.

Currency for Loan: Vietnamese Dong (VND)

Repayment Method:

Upon funds arriving in the account, the utilized amount will be automatically collected;

Interest is calculated daily; customers only pay interest for the actual days of fund utilization;

Interest is collected at the end of the month, and the principal is collected upon reaching the loan maturity date.

Loan Conditions:

Customers with permanent residence registration, KT3 in the area of BAOVIET Bank;

Receive salary through an account opened at BAOVIET Bank;

Collateral: No collateral required.

Maximum limit for personal unsecured loans based on salary at Baovietbank

Securing a personal unsecured loan, especially based on salary, typically demands robust conditions from most banks, such as a stable income for disbursement approval. For personal unsecured loans based on salary at Baovietbank, the maximum lending limit is relatively restricted, capped at 100 million VND. Compared to secured personal loans, this form imposes limitations on both loan amount and higher interest rates. Therefore, customers need to consider their purpose and repayment capacity for both principal and interest.

Documents for personal unsecured loans based on salary at Baovietbank

To apply for a personal unsecured loan, every bank requires customers to ensure their ability to repay the loan and meet the basic lending conditions at Baovietbank. The loan application file is one of the first crucial steps for the bank to approve or reject the loan. The following documents need to be prepared thoroughly in the loan application:

– Account opening request (if not yet a BVB account holder);

– Application for a credit limit in the prescribed form;

– Household registration or long-term temporary residence permit, ID card or passport;

– Income proof documents (Labor contract, Salary decision, Appointment decision, Bank statement for the last 03 months, etc.);

– Copy of the home telephone bill.

Explore more: Eligibility criteria for unsecured personal loans at Baovietbank

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