Loan for Personal Consumer needs/Household expenditure

1.   Facility features

Timely support customers’ household needs.
Competitive credit rate.
Simple and fast procedure helps customers save time in transactions.
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 loan proposals.

2.   Subject customers

Subject customers who are Vietnamese individuals and households.

3.   Purpose

Lending to support personal consumer needs/household expenditure such as household items, education, traveling, health care and other life essentialities.

4.   Tenor

We offer short, middle term loans in accordance with the proposal and the repayment capability of customers.

5.   Lending methods

We offer loan disbursement in flexible installments upon actual loan utilization per customers’ request.

6.   Lending category

Short-term: up to 1 year
Middle-term: above 1 year up to 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 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.
Interest calculated on the basis of actual loan outstanding.

10.  Credit limit

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

11.  Lending currency


12.  Repayment schedule

Interest paid monthly
Principal paid per schedule in accordance with customers’ income and agreement between customers and SAIGONBANK (monthly/ quarterly/ yearly).

13.  Loan application file

Legal documents of the applicant and the guarantor (if any) (ID card, residential household registration booklet or KT3).
Application form, loan proposal, proof of income, proof of capital needs.
Documents related to security measures.


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