Verification

Tele

Office
Positive

Residence
Positive

Field

Positive

Positive

Note:
- Applicant has no residence book/KT3

Page 1

Salaried Home Loan

Classification

Salaried home loan

Documents
+ ID card & passport/driving
license/employee ID card
+ KT3/Residence book, Latest
utility bill. Tittle documents If
current residence < 12mths)

Citizenship & Residence Vietnamese

Employment
Classification
TAR
References

Companies pre- selected list by Credit &

Risk team
Confirmed employee
2

Work experiences

>= 1 yr in present compay Or 6 mths in

present company but overall work
experience >= 2 yrs in same industry

Labor contract for current year &

previous if required

Min Age

Main Applicant: 21 yrs old, Co- applicant:

18yrs old (if income not taken)

Check again ID card (date of

birth)

Max Age
Min Income
Negative
Time of job
Telephone
Min loan amount
Max Loan amount
Max tenor

Property

DBR
Loan to value
Max EMI/disposable
Income
Loan eligibility
Residence Tele
Others

Application form

Male 58 (female 55) years at loan maturity,

Check again ID card (date of
co- applicant: 70yrs old (if income not
birth)
taken)
Salary slip/payrolls/certificate
5 MM VND
(not older than 30 days)
Match with area/industry/list
Labor contract & salary
confirmed employee
certificate
Land line residence and Employment
Application form
160 MM VND
8000 MM VND
240 month
+ Property age: max to 35yrs at time of
loan maturity
+ Property should be self contained.
+ Time of contstruction 36 months from
the date of first disbursement.
50%
75%
90%
Lowest of all above
Yes
bank account

bank statement

Page 2

Salaried Home Loan

Waiver

Waiver as per delegation

of Authority

Waiver as per delegation

of Authority
Waiver as per delegation
of Authority

Page 3

DBR- PL

CUSTOMER NAME:
Income (VND)
(pls fill in yellow cells)
Salary
Base
Allowance 1
Allowance 2
Allowance 3
Fixed salary(avg at 100%)
Commission
Varibale 1
variable 2
Variable3
Variable salary(avg at 50%)
Salary for loan calculations
Business Income
Profit
Depreciation
Income to be computed
Average income
Interest
Rentals
Other 1
Other 2
Other income
Total Monthly income
pls choose main income
as salary and restrict the
other to to 30% of Total
income.

Term1
Month 1
10,000,000

10,000,000

0
10,000,000
Year1
0
0
0
0
0
0
10,000,000

Term2
Eligibity Calculator
Month 2 Eligibity Calculator
10,000,000 Thi gian vay (thng)
Li sut
Any deductions
Loan amount Required
DBR%
PTI
Max installment as per DBR
Max Loan as per DBR
Max installment as per PTI
Max Loan as per PTI
Lower Loan installment
Year2
EMI for 1 MM VND
- Max Loan amount
Max loan amount
0 EMI
Actual DBR

10,000,000
48
1.250% 15.00%
0
100,000,000

40%
30%
4,000,000
143,725,924
3,000,000
107,794,443
3,000,000
27,831
143,725,924
100,000,000
2,783,075
27.83%
133,587,591.68
33,587,591.68
699,741.49

0
0
0
Li sut theo n vay ban u/th
Li sut theo n vay ban u/n

10,000,000
Monthly income to be
taken for calculation purpose

Page 4

0.70%
8%

Nhp gi tr
S tin vay
Li sut gim dn (nm)
S nm tr n
S k tr trong 1 nm
S tin tr hng thng
Thi gian bt u vay
S K
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Thi gian bt u vay

09/2015
10/2015
11/2015
12/2015
01/2016
02/2016
03/2016
04/2016
05/2016
06/2016
07/2016
08/2016
09/2016
10/2016
11/2016
12/2016
01/2017
02/2017
03/2017
04/2017
05/2017
06/2017
07/2017
08/2017
09/2017
10/2017

50,000,000
32.00 %
2
12
2,847,373 $
09/2015
Gi tr bt u
50,000,000
48,485,960
46,931,546
45,335,681
43,697,259
42,015,146
40,288,177
38,515,155
36,694,852
34,826,009
32,907,329
30,937,485
28,915,111
26,838,807
24,707,136
22,518,619
20,271,743
17,964,949
15,596,641
13,165,179
10,668,877
8,106,007
5,474,794
2,773,415
0

S tin tr hng thng

-50,000,000
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
2,847,373
0

Vn gc
1,514,040
1,554,414
1,595,865
1,638,422
1,682,113
1,726,969
1,773,022
1,820,302
1,868,844
1,918,680
1,969,844
2,022,374
2,076,304
2,131,672
2,188,516
2,246,877
2,306,793
2,368,308
2,431,463
2,496,302
2,562,870
2,631,213
2,701,379
2,773,415
0

Li
1,333,333
1,292,959
1,251,508
1,208,951
1,165,260
1,120,404
1,074,351
1,027,071
978,529
928,694
877,529
825,000
771,070
715,702
658,857
600,497
540,580
479,065
415,910
351,071
284,503
216,160
145,995
73,958
0

26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48

11/2017
12/2017
01/2018
02/2018
03/2018
04/2018
05/2018
06/2018
07/2018
08/2018
09/2018
10/2018
11/2018
12/2018
01/2019
02/2019
03/2019
04/2019
05/2019
06/2019
07/2019
08/2019
09/2019

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
68,336,957

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50,000,000

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,336,957

Lng
trn 12tr
t 6tr-12tr
t 5tr-6tr
di 5tr

Vay theo lng

Li sut gim dn theo nm
27.50%
32%
35.50%
38%

S n cn li
cui k
48,485,960
46,931,546
45,335,681
43,697,259
42,015,146
40,288,177
38,515,155
36,694,852
34,826,009
32,907,329
30,937,485
28,915,111
26,838,807
24,707,136
22,518,619
20,271,743
17,964,949
15,596,641
13,165,179
10,668,877
8,106,007
5,474,794
2,773,415
0
0

Vay theo bo him nhn th

Li sut gim dn theo nm
Bo him Prudential
32%
Bo him khc
34.50%

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0