Loan for Fixed Capital

1.    Facility features:

Timely feeding the needs of fixed capital upon investment progress of projects, in order to expand the business scale and bring financial leverage to the production activities.
Competitive credit rate.
Simple and fast procedure helps customers save time in transactions.
Facility available in diverse forms.
Simple conditions and documents required.
Flexible measures of security.
Our professional and experienced staff will offer free advices and recommend clients to choose the most efficient credit proposal.

2.    Subject customers:

Eligible enterprises which are legally operating in Vietnam.

3.    Purpose:

Supporting enterprises to implement investment projects;
Eligible projects of enterprises may include investment in fixed assets for production and business activities (for instance machinery and equipment, means of transport, land using rights, manufacturing or office premises…)

4.    Tenor:

Defined in accordance with the plan and the repayment capability, remaining operation duration of the enterprises, return period on capital  invested of the project…
Tenor extension to be rationalized.

5.    Loan forms:

Loan for investment projects;
Syndicated loan for investment projects;

6.    Loan category:

Short-term: up to 1 year
Middle-term: above 1 year up to 5 years
Long-term: above 5 years

7.    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.

8.    Loan security:

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

9.    Credit rate:

Per SAIGONBANK’s loan policy published in each period.

10. Credit limit:

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

11. Loan currency:

VND or

12. Loan application file:

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


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