Should I use unsecured consumer loans from VPBank?

It can be said that VPBank is one of the most famous banks in granting consumer credit loans to individuals and businesses. In VPBank, people can find a suitable form of borrowing in accordance with their borrowing conditions and purposes.

However, should I borrow consumer trust at VPBank? Together with ZVTC Online, learn about consumer mortgage loan products at VPBank to give me the most accurate answer.

Should borrow unsecured consumer loans VPBank bank

Pros go To m c tempering a s Arab n ph ẩ m ch loan ä p consumers c tempering a bank VP Bank

Loan ch ä p ti ê u d buzzing ng ng â n h à ng VP  deploy many different loan products that users can easily select the type of loan is suitable for your condition:

- Borrowing credits based on cash and bank transfer of VPBank ATM cards with a total amount of up to 10 times the average monthly salary

- Borrowing consumer credit according to VPBank's credit card with simple procedures

- VPBank consumer mortgage loan under the life insurance contract

In addition, VP Bank also implemented the package  of loans ch ä p under gi à y HAVE ng k the business  of the business, so the business owner, small business individuals can use this paper to borrow mortgage.

Besides there are many products  consumer loans not c ầ n t à i s Arab n th ế ch ä p for many different audiences, the total amount was the maximum loan of the borrower at VP Bank is also quite high , the total amount is up to VND 500 million and VND 1 billion with exceptions. Therefore, you can absolutely get a large sum of money to buy a house, buy a car or do consumer purposes without having enough money.

In addition,  interest rate Ã t lend t í n ch ä p ti ê u d buzzing ng  at VP Bank calculated declining balance (principal less the amount paid), so compared to other banks apply The method of calculating interest on the original debt, the borrower will have to pay the interest less than when borrowing consumer credit at VPBank.

More  th brewed t tailstock c t borrow í n ch ä p l under Chapter ng t sir i VP

Nh ữ ng v á n e ề t oh n t sir i c tempering a loan ch ä p consumers c tempering a VP

In addition to the many advantages that credit products offer to VPBank, when using consumer trust loan at VPBank, you may also face risks, namely:

-  M overload c l ã i su Ã t borrow t í n ch ä p ti ê u d buzzing ng t sir i high VP

Of course, there are those who enjoy consumer credit interest rates at VPBank only below 0.8% / month. However, this number is very small and often people with very high salary from over 20 million VND, working in large companies for a long time.

Left, most often "get" high interest rates, from over 2% / month, even those who bear interest rates up to 3.75% / month (ie about 45% / year) equivalent However, not many people are subject to an interest rate of 45% / year.

The calculation of  the interest rate Ã t borrow t í n ch ä p  consumption at VP Bank to comply with the principles as follows:

+ The higher the salary, the lower the interest rate

+ Make companies bigger and lower interest rates

+ The longer the loan, the lower the interest rate.

This means that people who earn less than VND 5 million, working in private companies or working as workers, will have to face an excessively high interest rate. Therefore, before making a loan contract, you need to make a clear agreement with a counselor to choose the best loan package.

-  C ẩ n th é n v ớ i ph í b ả o hi To m r incubated Risk t í n d emplacements ng

In addition to interest rate issues, the "credit risk insurance premium" is also an issue that borrowers need to pay close attention to when borrowing capital at VPBank or other banks. This amount will account for about 3-6% of the loan value, however this fee is not required so you may consider whether or not to join the loan counselor.

Should loan ch ä p t consumer sir i bank VP Bank?

After all the above advantages and disadvantages, we have the following advice:

- If you need a bank with easy access to consumer credit, high lending rates and quick and easy procedures, VPBank is a great choice.

- However, you determine to pay a significant amount of interest on consumer loans that you borrowed at VPBank.

Reasons to register for unsecured consumer loans at VPBank at ZVTC Online

ZVTC Online Supporting online loans at the time of need to learnconsumer credit loans for VPBank  banks is increasing ininterest rates, banks push to launch mortgage loan packages from banks.Usually depending on the region, depending on the different time, the mortgage loan programs have different salary bonuses.

The best way to get a chance to borrow consumer loans from VPBank from 0.73% to 1.5% is low, please choose a reputable advisory channel to support VPBank consumer loan registration  to be supported in filing and be advised to choose the best loan packages for your situation

 Conditions for consumer loan mortgage of VPBank

• Vietnamese citizen
• Age from 22 to 60
• Living and working in: Ho Chi Minh City, Binh Duong, Dong Nai, Ba Ria - Vung Tau, Long An, Tien Giang.
• Minimum monthly income (after tax): VND 10 million
• Only applicable for income that is RECEIVED BANKING ACCOUNT

Minimum working time

• Complete the probationary period
• Minimum of 3 months in current job. If less than 3 months, the customer must have a minimum labor contract of 1 year with the previous company.
• Minimum monthly income (after tax): VND 10 million
• Only applicable for income received BANKING ACCOUNT ACCOUNT

Interest rate of unsecured consumer loan at VPBank

• The loan amount is from 50 million to 400 million: the interest rate is from 12.99% / year to 18% / year according to the reduced debt balance.
• Loan amount is over VND 400 million: interest rate is 10% / year according to the reduced balance.

Special preferential interest rate is only from  0.7% / year according to declining loan balance, for customers using Credit cards of banks: ANZ, Citi Bank, HSBC, Shinhan Bank, VPBank, Techcombank, Sacombank, BIDV, VIB, ACB, Vietcombank, Eximbank.

 

Schedule of consumer mortgage loan fees at VPBank

• Fee for liquidation of loan contracts ahead of time:
  • 4% of the total outstanding balance in the first year after borrowing.
  • 2% of the total outstanding balance in the second year after borrowing.
  • 1% of the total outstanding balance in the third year onwards after borrowing.
• Late payment fee: VND 150,000 / late payment.

 

We hope that the above information you can give me an answer  whether to loan ch ä p ti ê u d buzzing ng c tempering a VP Bank kh umbrella ng .