• Consumer loans

    Secured consumer loan

    loan amount up to
    02 billion VND
    Maximum loan term
    120 months
    Apply Now
Various loan purposes
Meet many needs: shopping, studying, traveling, medical examination and treatment, etc.
Flexible loan method
Flexible loan methods with terms up to 120 months, diverse collateral
Simple and quick procedures
Simple procedure, quick approval time, consulting team ready to support 24/7

Product information

Conditions
Applications
Process & Payment date
Fees & Forms

Applicant eligibility

  • From 18 to not exceeding 75 years of age at the end of the loan term
  • Have a need for a loan to cover daily living expenses
  • Have an average monthly income of at least 5 million VND
  • Have collaterals such as real estate, cars, valuable documents.
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    Maximum loan amount

    VND 02 billion
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    Maximum loan term

    120 months
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    Loan application form

    Vietcombank's forms

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    Proof of Customer's identity

  • ID Card/Passport
  • Permanent Residence/ long-term residence (KT3)
  • Marriage Certificate/Single Certificate
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    Proof of Collateral Provider's identity

  • ID Card/Passport
  • Marriage Certificate/Single Certificate
  • Birth certificate/Certificate of family relationship issued by the police of ward/commune or higher regarding the relationship between the borrower and the guarantor
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    Proof of loan purpose

    Business contracts, invoices, payment documents, etc.
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    Proof of debt repayment source

    Employment contract, payroll, bank account statement, property lease contract...
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    Collateral documents

    Proof of asset ownership from customers and/or third parties according to Vietcombank's regulations
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    Loan application process

    Step 1: Receive consultation on loan conditions and required documents.

    Step 2: Prepare and submit the application as instructed.

    Step 3: Vietcombank conducts evaluation and notifies the approval result.

    Step 4: Customers and Vietcombank sign the loan contract.

    Step 5: Receive loan disbursement

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    Repayment date

  • Principal payment: on a monthly or quarterly basis
  • Interest payment: monthly based on amortized outstanding loan balance
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    Early repayment fees

    View details
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    VND

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    FAQs

    • 1. How can I inquire about secured consumer loans?
      To apply for the Secured Consumer Loan, customers can seek funds for legal consumer expenses for personal and family purposes (purchasing electronics, motorcycles, education/travel, medical expenses, equipment investments, home furnishings, etc.).
    • 2. What is the maximum loan amount for secured consumer loans?
      Under the Secured Consumer Loan product, customers can borrow up to a maximum of 2 billion VND per customer.
    • 3. What are the conditions for obtaining a secured consumer loan?
      Customers can receive the loan tenures of up to 120 months under the Secured Consumer Loan product.
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