Incentive Loan Scheme for Subject Customers

1.   Facility features:

Timely feeding the needs of working capital for business and manufacturing activity.
Preferential credit rate upon incentive scheme.
High limit applicable.
Simple and fast procedure helps customers save time in transactions.
Flexible measures of security.
Our professional and experienced staff will offer free advices as additional services.

 2.  Subject customers:

Eligible enterprises which are legally operating in Vietnam.

 3.  Rationales:

Supporting enterprises to fill the insufficient working capital in manufacturing products for export as defined by the Law of Commerce.
Supporting the development of rural agricultural economic sector as defined in the Decree No.41/2010/ND-CP dd 12/4/2010 of the Government.
Supporting the development and operation of SMEs as defined in the Decree No.26/2009/ND-CP dd 30/6/2009 of the Government.
Developing enterprises of supporting industry as defined in the Decision No. 12/2011/QD-TTg dd 24/2/2011 of the Prime Minister.

4.   Tenor:

Defined in accordance with the manufacturing and business cycle, project return schedule and the repayment capability, remaining operation duration of the enterprises.
Tenor limit as short-term loan (12 months)

5.   Lending methods:

Loan disbursement to be made on actual case by case or;
Loan disbursement to be made upon credit limit approved;
Loan disbursement to be made upon standby credit limit approved;

6.   Loan conditions:

Clients must be legally eligible, entitled to civil capacity and responsibilities in compliance with the prevailing laws.
Purpose of loan utilization must be legal.
Customers must show sufficient financial capability to fulfill their repayment commitments.
Customers must prove their tentative investment projects to be effective, feasible and compliant with the prevailing laws of Viet Nam.
Customers must fulfill the requirement of loan security per SAIGONBANK’s loan policy.
If the clients are foreign investment enterprises, they need to comply with regulations on foreign exchange control of Vietnam.

7.   Loan security:

Security may be in forms of deposit, mortgage, pledge, guarantee and other security measures in compliance with the prevailing laws.

8.   Credit rate:

Preferential rates applied per SAIGONBANK’s incentive loan policy published in each period.

9.   Credit limit:

Determined on the basis of various factors including total necessary capital upon the project scale, the value of loan security items, customers’ demand, their own capital invested in the project / plan, and repayment capability.

10.  Loan currency:


11.  Loan application file

Legal documents of the applicant.
Proof of customers’ financial and business situations (financial statements).
Application form, loan proposal, relevant documents as required.
Documents related to security measures.


For further information, please directly contact us at 848-39143183 or approach any transaction point of SAIGONBANK network nationwide