Verification

Office Residence
Tele Positive Positive

Field Positive Positive

Note:
- Applicant has no residence book/KT3

Page 1
 Salaried Home Loan
Classification Salaried home loan Documents

+ ID card & passport/driving

license/employee ID card
Citizenship & Residence Vietnamese + KT3/Residence book, Latest
utility bill. Tittle documents If
current residence < 12mths)

Employment Companies pre- selected list by Credit &

Classification Risk team
TAR Confirmed employee
References 2 Application form
>= 1 yr in present compay Or 6 mths in
Labor contract for current year
Work experiences present company but overall work
& previous if required
experience >= 2 yrs in same industry

Main Applicant: 21 yrs old, Co- applicant: Check again ID card (date of
Min Age
18yrs old (if income not taken) birth)

Male 58 (female 55) years at loan

Check again ID card (date of
Max Age maturity, co- applicant: 70yrs old (if
birth)
income not taken)
Salary slip/payrolls/certificate
Min Income 5 MM VND
(not older than 30 days)
Negative Match with area/industry/list
Labor contract & salary
Time of job confirmed employee
certificate
Telephone Land line residence and Employment Application form
Min loan amount 160 MM VND
Max Loan amount 8000 MM VND
Max tenor 240 month
+ Property age: max to 35yrs at time of
loan maturity
Property + Property should be self contained.
+ Time of contstruction 36 months from
the date of first disbursement.
DBR 50%
Loan to value 75%
Max EMI/disposable
90%
Income
Loan eligibility Lowest of all above
Residence Tele Yes
Others bank account bank statement

Page 2
 Salaried Home Loan
Waiver

Waiver as per delegation

of Authority

Waiver as per delegation

of Authority

Waiver as per delegation

of Authority

Page 3
 BANG LAI SUT

Khach hang lam vic tai nhom cng ty hang u.

Lai sut giam dn
Thu nhp gp/thang
% Nm % thang
TNG >12 tr 27.5 2.29
6 <= TNG < 12tr 31.5 2.63
5 <= TNG < 6tr 33.5 2.79
3 <= TNG < 5tr 36.5 3.04
Khach hang khng thuc nhom cng ty hang u.

TNG > = 4 tr/ thang 38.5 3.21

Khach hang co tham gia bao him nhn tho.

Bao Him Pru 30.5 2.54
Bao him khac 31 2.58
Khach hang co th tn dng thuc ngn hang trong nc
Lai sut giam dn
Thu nhp gp/thang
% Nm % thang
TNG >12 tr 28.5 2.38
6 <= TNG < 12tr 30.5 2.54
5 <= TNG < 6tr 32.5 2.71
Khach hang co th tn dng thuc ngn hang nc ngoai
TNG > = 5 tr/ thang 29.5 2.46
 BNG TNH S TIN VAY & K HOCH TR N TRONG SUT QU TRNH VAY
Ghi ch
S tin vay 50,000,000 nhp s tin cn vay
Li sut 25.50 % nhp li sut
Thi hn vay theo nm 2 nhp s nm mun vay (ti a 4 nm)
S ln thanh ton theo thng 12
Thi gian bt u vay 05/2013
S tin phi tr hng thng 2,681,136

Li sut tnh trn d n gim dn, s tin tr gp (gc v li) hng thng c nh
k Thng D n gc S tin tr Tin gc Tin li
05/2013 -50,000,000
1 06/2013 50,000,000 2,681,136 1,618,636 1,062,500
2 07/2013 48,381,364 2,681,136 1,653,032 1,028,104
3 08/2013 46,728,332 2,681,136 1,688,159 992,977
4 09/2013 45,040,174 2,681,136 1,724,032 957,104
5 10/2013 43,316,142 2,681,136 1,760,668 920,468
6 11/2013 41,555,474 2,681,136 1,798,082 883,054
7 12/2013 39,757,392 2,681,136 1,836,291 844,845
8 01/2014 37,921,100 2,681,136 1,875,312 805,823
9 02/2014 36,045,788 2,681,136 1,915,163 765,973
10 03/2014 34,130,625 2,681,136 1,955,860 725,276
11 04/2014 32,174,765 2,681,136 1,997,422 683,714
12 05/2014 30,177,343 2,681,136 2,039,867 641,269
13 06/2014 28,137,476 2,681,136 2,083,214 597,921
14 07/2014 26,054,261 2,681,136 2,127,483 553,653
15 08/2014 23,926,779 2,681,136 2,172,692 508,444
16 09/2014 21,754,087 2,681,136 2,218,861 462,274
17 10/2014 19,535,225 2,681,136 2,266,012 415,124
18 11/2014 17,269,213 2,681,136 2,314,165 366,971
19 12/2014 14,955,048 2,681,136 2,363,341 317,795
20 01/2015 12,591,707 2,681,136 2,413,562 267,574
21 02/2015 10,178,145 2,681,136 2,464,850 216,286
22 03/2015 7,713,295 2,681,136 2,517,228 163,908
23 04/2015 5,196,067 2,681,136 2,570,719 110,416
24 05/2015 2,625,347 2,681,136 2,625,347 55,789
25 06/2015 0 0 0 0
26 07/2015 0 0 0 0
27 08/2015 0 0 0 0
28 09/2015 0 0 0 0
29 10/2015 0 0 0 0
30 11/2015 0 0 0 0
31 12/2015 0 0 0 0
32 01/2016 0 0 0 0
33 02/2016 0 0 0 0
34 02/2016 0 0 0 0
35 03/2016 0 0 0 0
36 04/2016 0 0 0 0
37 05/2016 0 0 0 0
38 06/2016 0 0 0 0
39 07/2016 0 0 0 0
40 08/2016 0 0 0 0
41 09/2016 0 0 0 0
42 10/2016 0 0 0 0
43 11/2016 0 0 0 0
44 12/2016 0 0 0 0
45 01/2017 0 0 0 0
46 02/2017 0 0 0 0
47 03/2017 0 0 0 0
48 04/2017 0 0 0 0
64,347,259 50,000,000 14,347,259
D n gc cn
li

48,381,364
46,728,332
45,040,174
43,316,142
41,555,474
39,757,392
37,921,100
36,045,788
34,130,625
32,174,765
30,177,343
28,137,476
26,054,261
23,926,779
21,754,087
19,535,225
17,269,213
14,955,048
12,591,707
10,178,145
7,713,295
5,196,067
2,625,347
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0