Lending Products

Benefits:

With flexible collaterals, including real estates and valuable papers

Overdraft tenor: Up to 06 months

Overdraft amount: Up to VND 5 trillion

Reasonable interest rate, daily interest rates

Can be used together with ATM Card

Targeted/Eligible customers:

Individual customers including household business

Goal of using overdraft facility: for production and business purposes

Conditions:

Enterprise with the minimum operating time of 12 months in the sector that the enterprise is asking for financing

Enterprise who does business in producing items with quick capital turnover

Enterprise who has collaterals meeting SHB’s requirements

Loan documents:

“Overdraft facility application form” as per SHB’s form

The borrowers’ ID Card/passport; The borrowers’ household registration book/KT3

Documents to verify the ownership of collaterals.

Benefits:

With flexible collaterals, including real estates and valuable papers

Overdraft tenor: Up to 06 months

Overdraft amount: Up to VND 500 million

Reasonable interest rates, daily interest rates

Can be used together with ATM Card

Targeted/Eligible customers:

Individual customers meeting SHB’s requirements

Goal of using overdraft facility: for personal/household expenditure purposes

Conditions:

Customers having household registration book or KT3 at the same places as SHB’s transaction points

Customers have financial capacity and stable income sources to ensure repayment within committed time

Customers having collaterals meeting SHB’s requirements

Loan documents:

“Overdraft facility application form” as per SHB’s form

The borrowers’ ID Card/passport; The borrowers’ household registration book/KT3

Copy of “Labor contract” of the borrowers/ Certificate of working position

Salary statement of the 3 most recent months

Benefits:
Without collateral
Overdraft tenor: Up to 06 months
Overdraft amount: Depending on need, repayment capacity and actual total income of the customer, the maximum is VND 200 million
Reasonable interest rate, daily interest rates
Can be used together with ATM Card

Targeted/Eligible customers:
Customers are at department manager levels onwards meeting SHB’s conditions.
Goal of using overdraft facility: For personal/household expenditure purposes.

Conditions:
Customers having household registration book or KT3 at the same places as SHB’s transaction points
Customers are official staffs or have signed Permanent Labor Contract or the remaining time of Time-bound Labor Contract is longer than overdraft tenor
Years in work from 06 months or more
Customers with the minimum income of VND 3 million per month for staffs working for companies or VND 2 million per month for officials working for administrative bodies, hospitals, schools.

Customers should fall in one of the following cases:
Working for companies who have signed cooperation contracts of salary payment via SHB accounts: Customers are working for a company whose chartered capital is over VND 10 billion or customers are working for administrative bodies, hospitals, schools.
In case the company that the customer is working for has not signed any cooperation contract of salary payment via SHB accounts: The company’s chartered capital should be over VND 30 billion or the customer is working for administrative bodies, hospitals, schools; or the customer is owner of an enterprise with more than VND 10 billion of chartered capital.

Loan documents:
“Overdraft facility application form” as per SHB’s form
The borrowers’ ID Card/passport; The borrowers’ household registration book/KT3
Copy of “Labor contract” of the borrowers/ Certificate of working position
Salary statement of the 3 most recent months

Benefits:
Without collateral
Overdraft tenor: Up to 06 months
Overdraft amount: Depending on need, repayment capacity and total real income of customers, the maximum is VND 30 million
Reasonable interest rate, daily interest rate.
Can be used together with ATM Card

Targeted/Eligible customers:
Customers are staffs meeting SHB’s requirements
Goal of using overdraft facility: for personal/household expenditure purposes

Requirements:
Customers having household registration book or KT3 at the same places as SHB’s transaction points
Customers are official staffs or have signed Permanent Labor Contract or the remaining time of Time-bound Labor Contract is longer than overdraft tenor
Years in work from 06 months or more
Customers with the minimum income of VND 3 million per month for staffs working for companies or VND 2 million per month for officials working for administrative bodies, hospitals, schools.

Customers should fall in one of the following cases:
Working for companies who have signed cooperation contracts of salary payment via SHB accounts: Customers are working for a company whose chartered capital is over VND 10 billion or customers are working for administrative bodies, hospitals, schools.
In case the company that the customer is working for has not signed any cooperation contract of salary payment via SHB accounts: The company‘s chartered capital should be over VND 30 billion or the customer is working for administrative bodies, hospitals, schools.

Loan documents:
“Overdraft facility application form” as per SHB’s form
The borrowers’ ID Card/passport; The borrowers’ household registration book/KT3
Copy of “Labor contract” of the borrowers/ Certificate of working position
Salary statement of the 3 most recent months

Benefits:
Without collateral
Overdraft tenor: Up to 06 months
Overdraft amount: Depending on need, repayment capacity and number of SHB shares owned by the customer, the maximum amount is VND 500 million.
Reasonable interest rates, daily interest rate.
Can be used together with ATM Card

Targeted/Eligible customers:
Customers are SHB’s shareholders
Goal of using overdraft facility: for personal/household expenditure purposes.

Conditions:
Customers having household registration book or KT3 at the same places as SHB’s transaction points
SHB stocks to be custodized at securities companies in accordance with SHB’s regulations
To commit to hold stocks during the loan time in accordance with SHB’s regulations

Loan documents:
“Overdraft facility application form” as per SHB’s form
The borrowers’ ID Card/passport; The borrowers’ household registration book/KT3
Securities certificate

Benefits:
Simple and convenient procedures, quick processing
With flexible and reasonable interest rates
Diversified financing types to meet all the requirements of working capital financing of customers
Free and effective consultancy

Product features:
Credit line: Credit line to customers not exceeding ½ need of average working capital

Loan term:
Installment loan: The maximum tenor is 48 months.
Loan by credit line: term of each Withdrawal Agreement (KUNN) depends on working capital turn-over of each customer.
Loan by investment projects: The maximum tenor is 60 months

Interest rate:
This interest rate will be periodically adjusted by SHB’s Chief Executive Officer to match with market conditions.

Services to provide:
Installment loans
Loan by credit line: For customers having collaterals, graded at 2nd credit ranking or above (after applying software of customer credit rating), If profit margin achieves 20%, the Bank will consider to provide overdraft limit for customers. The procedures and process of providing overdraft facility for customers are in accordance with SHB’s current overdraft facility process and procedures, applying in case customers have collaterals.
Loan by investment projects.

Conditions:
The borrowers must have full legal and civil behavior competences in accordance with regulations and provisions of the Civil Law of Vietnam;
Customers are not allowed to use financial resources borrowing from SHB for illegal purposes such as doing business in items banned by the Law;
Operating time of the company in the sector that the company is asking for loan should be at least for 12 months;
Doing business in producing items of high capital turn-over;
To open demand deposit account at SHB and gradually concentrating all account transactions in SHB;
Customers have no overdue loans at SHB and other credit institutions
Business registration (in case of the Law requires for business registration).

Required procedures:
Legal documents:
Copy of the borrowers’ ID Card and the guarantors’ ID Card (if any) or other equivalent papers.
Copy of household registration book (herein referred to KT1, KT2) or long term temporary residence registration (herein referred to KT3) of the borrowers and the guarantors (if any).
Marriage certificate and copy of household registration book of wife or husband (in case there is no illustration of marriage in the borrowers’ household registration book).
Business registration certificate, business license, practice certificate, Tax code registration and other documents on business conditions (if any).
Certificate of self-owned enterprises establishment (for self-owned enterprises).
House rental contract, store rental contract (if any).

Loan documents:
Loan application form and repayment plan (as per SHB’s form)
Documents to verify financial capacity and repayment sources:
Contract, invoice of materials and finished products…for input and output of store;
Report, Tax payment receipt in the 3 most recent period (quarter) (if any)
Accounting books, daily cash books;
Report of Receivables, payables, inventories;
Some invoice with high value
Tax payment receipt (if any)
Documents to verify the purpose of loan utilization

Documents relating to collaterals:
Ownership Certificate of Collaterals
Other related documents in accordance with SHB’s current regulations on collaterals.

Benefits:
Flexible loan conditions with the simplest procedures
Free advices of loan procedures
Loan limit and loan term matching with actual market conditions.
To be provided with advices on investment in stock market

Product features:
Credit limit:
The minimum is VND 20 million.
The maximum is periodically promulgated by SHB’s Chief Executive Officer
Loan term: The maximum is 12 months

Interest rate: Depending on SHB’s regulations in specific period of time, monthly interest rate is applied for loan term of 30 days or more, daily interest rate is applied for loan term less than 30 days.

Loan method:
Loan in once time in case the securities are used as collateral.
Loan by credit line applied for borrowers who use their own real estate as collateral.

Loan conditions:
For customers
To meet SHB’s current lending regulations in full
Customers must open securities trading account at securities company associating with SHB in case collaterals are listed securities.
In case securities are used as collaterals, those securities must be in the list of accepted securities periodically issued by SHB
In case real estate is used as collateral, the real estate must be owned by the borrower.
For securities

Listed securities:
Must be issued in accordance with legal regulations.
Must be officially listed in stock exchanges.

Unlisted securities:
Must be issued in accordance with legal regulations.
Must be approved by SHB’s Chief Executive Officer in some specific cases.

Loan application documents:
Legal documents: ID Card (for customers who use securities as collaterals); ID Card, family book, marriage certificate (for customers who use real estate as collateral)

Loan documents:
Loan application form (as per SHB’s form)
Securities freezing certificate of Securities Company/issuing company (or custodized by an entrusted entity).
Loan contract, Securities collateralizing contracts as per SHB’s form in case customer uses securities as collateral.

Collateral documents:
Stock certificates, shareholder’s books to prove borrower’s shares
Land using right certificate and assets attached to land of the borrower in case customer uses real estate as collateral.
For listed securities, borrowers must have securities freezing certificate of a securities company associating with SHB.

Loans secured by valued papers will help customers:
To quickly meet the need of funds with the lowest cost
To save your valuable papers
Simple and convenient procedures
With flexible loan tenor, depending on the remaining time left to maturity of valuable papers
Dedicated, helpful and professional staffs

Targeted/Eligible customers and conditions:
Vietnamese individuals, having full civil behavior competences.
Legal possession of collaterals: any kinds of promissory note, government bonds, Treasury bonds, savings book (card), Certificate of Deposit issued by government, State Treasury, State Bank, credit institutions, finance companies, People’s committee of province, city.

Product features:
Type of currencies: VND
Loan term: The maximum loan term is the same as valid time of the valuable paper or depends on characteristics of each valuable paper.
Loan amount: Depending on customers’ actual need and collateral value.

Interest rate:
To be in line with SHB’s applicable interest rate

Repayment method: in 2 methods
For loan term less than 1 month: Interests paid at the date of principal repayment.
For loan term more than 1 month: interests paid monthly or on the date of principal repayment depending on agreement between SHB’s business units and customers

Required procedures:
Loan application form (as per SHB’s form)
Legal documents: ID Card/passport, driving license, family book…of the borrower and the guarantor (if any)
Documents related to collateral (the original saving book, valuable papers, gold, foreign currencies…)

Benefits:
Customers will get special benefits of tenor, interest rates and loan amount up to VND 500 million.
Financing customers for consumption purposes
Without collaterals
The maximum loan tenor is 60 months
Quick document processing from the receipt of customers’ full documents

Targeted/Eligible customers:
Vietnamese individuals who are working for one of the following business types: Administrative body; State-owned company, Joint-venture company, 100% foreign invested company, joint stock company, representative office, foreign organization, association.

Product features:
Loan term: The maximum is 60 months
Type of currencies: VND
Loan amount: up to VND 500 million

Interest rate:
SHB’s applicable interest rate

Repayment method:
principal and interests paid monthly

Required documents:
Loan without collateral application form (as per SHB’s form)
Copy of ID Card, copy of house registration book/ temporary resident permit (KT3) or long term temporary residence registration paper.
Copy of Labor contract/staff appointment Decision/Decision of salary increase
Statement of Banking account transactions within the 3 most recent months or salary statement form as per SHB’s form and salary worksheet/Copy of salary statement of the 3 most recent months
Copy of other income verification (if any)

Benefits:
SHB to lend to customers to purchase cars of Truong Hai Automobile Joint Stock Company
Loan amount up to 80% of car price in case the customer takes the car as collateral and 100% of car price in case collateral is not the car itself.
The maximum of loan tenor is 60 months
Diversified and flexible collaterals, customers can use the car that he plans to buy as collaterals.
Competitive interest rates, principal and interests paid flexibly in line with customers’ financial capacity.
Simple procedures and quick processing, dedicated and helpful staffs
Onsite transaction offices located at car showroom to support customers.

Targeted/Eligible customers and conditions:
Vietnamese individuals having household registration book/temporary residence paper (KT3) or organizations located at SHB’s business units
Having legal and stable income sources and proving repayment capacity.
Having collaterals including house or valuable papers…

Product features:
Type of currencies: VND
Loan tenor: The maximum is 60 months
Loan limit: Depending on customers’ need and repayment capacity

Interest rates:
SHB’s applicable interest rates

Repayment method:
To be paid in periodical installments, which will be negotiated with customers.

Required documents and procedures:
Legal documents: ID Card/passport, family book, marriage certificate (for individual), establishment certificate, business license, tax code (for corporate)
Documents to verify customers’ repayment sources: Labor contract, most recent 3 month salary verification (for individual), financial statements, tax statement and tax payment statement in 2 most recent years (for corporate)
Documents to verify the purpose of loan utilization: car purchasing contract, prepayment receipt, payment order
Documents related to collaterals

Benefits:
SHB to lend to customers to buy 100% brand-new car for traveling purposes.
With loan amount up to 85% of car value in case customer takes the car as collateral.
The maximum loan term up to 60 months
Diversified and flexible collaterals, customer can take the car that he plans to buy as collateral.
The most preferred and attractive interest rates, provided only by SHB
Principal and interests paid flexibly in line with customers’ financial capacity.
Document processing: SHB commits to deal with documents within 24 hours from the receipt of documents.

Targeted/Eligible customers and conditions:
Individual customers at management level having stable income of 20 million VND per month or more
Having feasible repayment plan.

Product features:
Type of currencies: VND
Loan tenor: The maximum is 60 months
Loan limit: Depending on customers’ need and repayment capacity

Interest rates:

SHB’s applicable interest rates

Repayment method:

To be paid in periodic installments, which will be negotiated with customers.

Required documents and procedures:
Legal documents: ID Card/passport, family book, marriage certificate;
Documents to verify customers’ repayment sources: Labor contract, the most 3 month recent salary statement…
Documents to verify the purpose of loan utilization: car purchasing contract, prepayment receipt, payment order…
Documents related to collateral.

Benefits:
SHB to lend customers to buy brand-new car or second-hand car
Loan amount is up to 75% of car value in case customer takes the car as the collateral.
The maximum loan term is 60 months
Diversified and flexible collaterals, customer can use the car that he plans to use as collateral.
Competitive interest rates, principal and interests paid flexibly in line with your financial capacity.
Simple procedures and quick processing, dedicated and helpful staffs

Targeted/Eligible customers and conditions:
Vietnamese individuals having family books/KT3 or organizations located at the same places with SHB’s business units
Customers must have legal and stable income sources to prove their repayment capacity
Customers must have collaterals such as house, valuable papers…

Product features:
Type of currencies: VND
Loan term: The maximum loan term is 60 months
Loan amount: Depending on customers’ need and repayment capacity
Interest rates: To be in line with SHB’s applicable interest rates.
Repayment method:
To be paid in periodical installments, which will be negotiated with customers.

Required documents and procedures:
Legal documents: ID Card/passport, family book, marriage certificate (for individual), establishment certificate, business license, tax code (for corporate)
Documents to verify customers’ repayment sources: Labor contract, most recent 3 months salary verification (for individual), financial statements, tax statement and tax payment statement in 2 most recent years (for corporate)
Documents to verify the purpose of loan utilization: car purchasing contract, prepayment receipt, payment order
Documents related to collaterals.

Benefits :
To timely finance customers in need of education finance
The maximum loan amount is up to 70% of the collateral or maximum 100% of reasonable course fee.
Preferred interest rates and the maximum term loan is 7 years
With quick processing, dedicated and helpful staffs
Customers will be advised on overseas studies via a consulting firm introduced by SHB free of charge.
Overseas study services provided by SHB

Targeted/Eligible customers and conditions:

Targeted/Eligible customers:
Vietnamese individuals who take local studies or relatives of overseas students, including: Mother, father, wife, husband, daughter, son, brother, sister.
The borrowers must have full legal and civil behavior competence in accordance with regulations and provisions of the Civil Law of Vietnam.

Loan Conditions:
The students are about to go overseas for studies, have already gone overseas for studies, or have obtained Acceptance Letter from a foreign school.

Borrowers must meet the following conditions:
Vietnamese citizens having full legal and civil behavior competences, having permanent registration address or long-term current address (herein referred to KT3) located at the same provinces or cities with SHB’s offices.
The borrower must have legal and stable income sources to assure repayment as committed
The borrower must have collateral or collateral owned by a third party
Collateral should be in line with SHB’s regulations on collaterals. In case loan term is more than one year, the collateral must be revaluated at least once a year.
Disbursement must be via SHB’s account.

Overseas study support services:
SHB to provide packaged overseas study support services including but not limited to:
Supporting to choose a famous overseas study consulting firm in the region.
Verifying financial capacity to prove capacity of stable education during the time of overseas study.
Lending to pay overseas study expenditures including air ticket, tuition fee, deposit fee, visa and passport fee, insurance fee…and living and accommodation costs during the time of overseas study.
To pay overseas study expenditures.

Product features:
Loan term: The maximum is 7 years
Type of currencies: VND
Loan amount: Depending on customers’ need and repayment capacity, the maximum amount is 70% of the collateral or 100% of the reasonable course fee.
Interest rates: To be in line with SHB’s applicable interest rates
Repayment method: 2 methods
For loan term less than 12 months: interests and principal paid monthly or interests and principal paid at the end of the loan term.
For medium and long term loan: interests paid monthly and principal paid flexibly depending on each loan.

Required documents:
Loan application form (as per SHB’s form)
Legal documents: ID Card/Passport, house registration book/KT3, marriage certificate/certificate of single status…of the borrower, the spouse and the guarantor ( if any), passport and visa of overseas student.
Explanation of repayment plan
Overseas study cost evidence: School Entry Acceptance Letter, tuition and living cost lists issued by the foreign school.
Income evidence: Labor contract, employment’s salary statement, house rent contract, car rent contract, business license…of the borrowers and the co-payers.
Documents related to the collateral: Real estate (Land using certificate, House ownership and land using certificate), valuable papers (including savings books, stocks, bonds, government bonds…)

Benefits:
SHB to lend up to 100% of house construction cost or house renovation cost.
With flexible term loan, the maximum is up to 15 years
With flexible collaterals: Collateral can be the house that the customer plans to construct or renovate; or real estate owned by the customer or by a third party.
With quick processing, dedicated and helpful staffs

Targeted/Eligible customers and conditions:
Vietnamese individuals having family books or organizations located in the same places with SHB’s business units.
The borrowers must have full legal and civil behavior competence in accordance with regulations and provisions of the Civil Law of Vietnam.
The borrower must have legal and stable income sources to assure repayment as committed

Product features:
Loan term: Up to 15 years
Type of currency: VND
Loan amount: Depending on customers’ need and repayment capacity, the maximum loan value is 100% of house construction cost or house renovation cost.

Interest rates:
To be in line with SHB’s applicable interest rates.
Repayment method: To be paid in periodical installments, which will be negotiated with customers.

Required documents:
Loan application form (as per SHB’s form)
Legal documents: ID Card/Passport, house registration book, marriage certificate
Documents to verify repayment sources of customers: Labor contract, the most recent 3 month salary verification, documents to verify regular and irregular income (if any)
Documents to verify purpose of loan utilization: house purchase contract, prepayment receipt or advancement receipt
Documents related to collaterals.

This program is to finance individual customers to buy apartments or houses in New City or Apartment projects in the whole country.

Benefits:
SHB to lend up to 90 percent of house value
With flexible term loan, the maximum is up to 15 years
With flexible collaterals: Customer can use the real estate that he plans to buy for collateral purposes
With quick procedures, dedicated and helpful staffs

Targeted/Eligible customers and conditions:
Vietnamese individuals having family books or organizations located in the same places with SHB’s business units.
The borrowers must have full legal and civil behavior competence in accordance with regulations and provisions of the Civil Law of Vietnam.
The borrower must have legal and stable income sources to assure repayment as committed

Product features:
Loan term: Up to 15 years
Type of currencies: VND
Loan value: Depending on customer’s need and repayment capacity, the maximum loan value is up to 90% of house value (if collateral is not the house itself).
In case collateral is the house itself, SHB lends up to 70% of the house value.

Interest rates:

To be in line with SHB’s applicable interest rate.

Repayment method:
To be paid in periodical installments, which will be negotiated with customers.

Required documents:
Loan application form (as per SHB’s form)
Legal documents: ID Card/Passport, house/family registration book, marriage certificate
Documents to verify repayment sources of customers: Labor contract, the most recent 3 month salary verification, documents to verify regular and irregular income (if any)
Documents to verify purpose of loan utilization: House purchase contract, prepayment receipt or advancement receipt
Documents related to collaterals

This program is to finance individual customers to buy houses with many advantages.

Benefits:

SHB to lend up to 90 percent of house value.

With flexible loan term, the maximum is 15 years

With flexible collaterals: Collateral can be the house that the customer intends to buy, real estate owned by the customer or by a third party.

Simple and convenient procedures, dedicated and helpful staffs

Targeted/Eligible customers and conditions:

Vietnamese individuals owning family books or organizations located in the same places with SHB’s business units.

The borrowers must have full legal and civil behavior competence in accordance with regulations and provisions of the Civil Law of Vietnam.

The borrowers must have legal and stable income sources to assure repayment as committed.

Product features:

Loan term: Up to 15 years

Type of currencies: VND

Loan amount: Depending on customers’ need for loan and repayment capacity.

Interest rates:

To be in line with SHB’s applicable interest rates.

Repayment method:

To be paid in periodical installments, which will be negotiated with customers.

Required documents:

Loan application form (as per SHB’s form).

Legal documents: ID Card/Passport, house/family registration book, marriage certificate.

Documents to verify repayment sources of customers: Labor contract, the most recent 3 month salary verification, documents to verify regular and irregular income (if any).

Documents to verify purpose of loan utilization: house purchase contract, prepayment receipt or advancement receipt.

Benefits:

To meet borrowing needs of customers within only 10 minutes.

Customers and Conditions:

Customers own a savings book under the form of either Flexible Principal Withdrawal or Insterests Bearing In Line With Real Saving Time issued by SHB.

Left-to-Maturity Time of customers’ savings books is maximum 12 months

Products features:

Currency: VND, USD in compliance with regulations of foreign exchange management.

Document processing time: Maximum 10 min.

Interest rates: Competitive, only provided by SHB.

Required documents:

Original copy of valuable paper issued by SHB and authorization letter for ownership of value papers (if any).

Customers must have ID Card/passport for individuals and Certificate of Business registration for corporations.