Customers can borrow capital with a loan term of up to 30 years (but not exceeding the remaining loan term of the loan at the borrowing bank) with a maximum loan amount of 100% of the outstanding principal of the loan at the borrowing bank. Customers are granted a grace period for principal repayment of up to 24 months and in accordance with Vietcombank 's regulations.
At present, Vietcombank applies preferential loan interest rates from only 6.9%/year in the first 6 months or 7.5%/year in the first 12 months or 8.0%/year in the first 24 months. Vietcombank will adjust the loan interest rate according to the actual situation.
Customers can use a variety of assets to secure loans such as : Real estate, cash, balance in deposit accounts, savings books/cards, valuable papers... of the customer or a blood relative (father/mother/child) or a spouse with the customer; or the customer's own assets at the credit institution where they are borrowing.
The loan policy to repay loans at other banks applies to loans serving the living needs of individual customers.
With this new policy, customers will have more options to borrow capital from Vietcombank with low and stable interest rates, helping customers be proactive in their financial plans.
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