Loan for Fixed Asset Investment

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

Subject customers include Vietnamese individuals and households.

3.   Purpose

Investing 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, return period on capital invested of the project.
Tenor extension to be rationalized, monthly payment for interest counted on the actual remaining loan outstanding, principal payment may be made in installments during loan tenor.

5.   Lending methods

We offer flexible loan installments upon the investing plan, or actual payment schedule per customers’ request.

6.   Lending category

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

7.   Loan conditions

Individuals must be legally eligible, entitled to civil capacity and responsibilities in compliance with the prevailing laws.
Customers must show proof of residents such as permanent or temporarily long-term residential registration (KT3) in the same areas where SAIGONBANK offices (Head Office or branch or transaction office) are located.
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.

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.  Lending currency


12.  Loan application file

Legal documents of the applicant and the guarantor (if any) (ID card, residential household registration booklet or KT3).
Legal proof of customers’ financial and business situations.
Application form, loan proposal, proof of income, documents of invested assets, other documents related to subject loans 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.