Loans secured by pledging valuable papers / deposit balances / savings passbooks
Proactively access funds and maximize the value of your deposits with flexible lending solutions from VRB
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Leverage existing deposits/valuable papers to meet financing needs without premature settlement
Diverse collateral options: SPB/VP/DB issued by VRB and certain other institutions accepted by VRB
Flexible repayment sources, including deposits, principal and returns from VP/DB, or lawful income of the customer and family membersProduct information
Target customers
Vietnamese individual customers and foreigners legally residing in Vietnam and legally owning Savings Passbooks (SPB), Valuable Papers (VP), or Deposit Balances (DB) eligible for pledging at VRB
For SPB/VP/DB issued by other institutions, customers must meet the applicable residency/workplace requirements and have no bad debt or overdue debt at VRB or other credit institutions at the time of credit approval
Product features
Loan amount: Up to 100% of the appraised value of the collateral, subject to sufficient capacity to repay principal, interest, and fees (if any)
Loan tenor: Not exceeding the remaining term of the savings passbooks, valuable papers, or deposit balance
Collateral: SPB/VP/DB accepted by VRB as collateral
For foreign customers: The loan tenor must not exceed the period of permitted residence in Vietnam
Required documents
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ID card/Citizen ID and personal identification documents
Collateral documents: Original SPB/VP/DB or an online statement of the term deposit account
Documents proving repayment sources as prescribed (repayment from the SPB/VP/DB itself is acceptable)
Interest calculator
The figures are for reference purposes only.
VND
%
Loan term
First month payment amount:174.166.667VND
Interest rate:9%
Total interest paid:26.250.000VND
Total repayment amount:1.026.250.000VND
FAQs
A loan secured by SPB/VP/DB that meet the eligibility requirements and are accepted by VRB as collateral
VRB accepts SPB/VP/DB within the prescribed categories, including assets issued by VRB and assets issued by certain other institutions accepted by VRB
Up to 100% of the appraised value of the SPB/VP/DB, provided that the collateral value is sufficient to cover principal, interest, and fees (if any)
In general, the loan tenor must not exceed the remaining term of the SPB/VP/DB
No. In addition to assets issued by VRB, VRB may accept assets issued by the Government, the State Bank of Vietnam (SBV), BIDV, and other credit institutions, subject to VRB’s applicable list and regulations from time to time
Yes
Repayment may be made from bank deposits; principal and returns generated from VP/DB; or lawful income of the customer and family members
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