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Consumer Loans

PG Bank offer competitive interest rate for customer's loans based on reducing balance method.

1. Benefits

  • Safe: Customers will receive the reliable consultancy from PG Bank
  • Effective: Avaiable appropriate lending terms (short, medium and long terms). PG Bank offers reasonable lending interest rates thus creating the best conditions for their business.
  • Fast: Simple procedures help save as much time as possible for customers.

2. Eligibility

  • Customers have full legal capacity and permanent residence in Vietnam
  • Customers who have effective and profitable business plans
  • Customers who have satisfactory collaterals for the loan and contribute at least 30% of the loan value.

3. Collaterals

  • Real estate: Lands, houses...
  • Movables: goods, machinery, transport vehicles....with necessary insurances
  • Savings books, deposit account balance, certificate of deposit account
  • Stocks and other commercial papers
  • Other appropriate assets with legal proprietary documents

Customers are expected to show documents to verify the legal ownership of the collaterals, complete the pledge and mortgage procedures with PG Bank. Customers can mortgage by the third party’s asset.

4. Type of individual business expanding loan

Warehouse construction loan: The maximum loan value is 70% of the project value (with satisfactory collaterals), the maximum loan terms vary depending on the schedule for project completion and customers’ income source. Customers are expected to have practical, appropriate and effective expansion/repair plans.

Installment loan for car purchase: Customers need to present the car sales contracts/papers, confirmation of registration transfer regarding used cars. Customers can secure the loan by the car itself. The maximum loan value is 70% for brand new cars and 50% for used cars. The maximum loan term is 48 months.

Loan for capital contribution: Customers need to show us documents to confirm the capital contribution to an organization or a company. Business operation of that organization/ company proves to be efficient and profitable.

Loan for production/individual production, business expansion: Customers are expected to have a sound production (expansion) plan and records of business activities in the latest years.

Loan for Security investment: PG Bank is ready to meet all customers’ demands on trading and transferring bonds/equities listed on official and unofficial security exchange or buying the first-published shares of the equitized companies.

To meet those demands, besides common types of mortgage, customers can use equities which are already or to be published as the collaterals for their loans.

5. How to apply

  • Loan request and business plan (PG Bank's form)
  • ID card, family record book, marriage certificate.
  • Documents proving payment source: job decision, salary decision, labor contract, business contract, financial report...(varied by customer)
  • Legal proprietary documents of guaranteed assets.

Số lượt đọc:  96  -  Cập nhật lần cuối:  28/06/2011 09:03:35 AM
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