Cho Vay Theo Hóa Đơn Tiện Ích

• Fundraising/receiving currency: VND
• Maximum call amount: Up to 30 million VND.
• Maximum capital calling time / maximum debt collection period: from 01 to 06 months
• No proof of repayment is required
• Interest rate for capital receipt: The interest rate will be applied according to the regulations of VNFITE from time to time.
• Form of capital calling (borrowing/receiving capital) interest is calculated on the original principal balance: The interest rate for receiving capital is fixed within the time period of the call.
• Overdue penalty interest: Equal to 150% of the interest rate for receiving capital within the term
• Disbursement method: bank transfer
• Payment method:

+ Principal repayment method: Monthly principal repayment period.

+ Interest payment method: Monthly payment according to actual and specific outstanding balance

Where: Interest = [(loan amount * receiving interest rate * number of days to receive debt)] / (365 days)

• Interest rate for receiving capital and fees: According to VNFITE's current regulations

• Respond quickly to the capital needs of customers.
• Simple procedures, fast.
• No collateral required.

• Vietnamese citizens from 18 to 60 years old.
• As a customer standing on the bill: electricity / water / telephone / internet (Do not accept business bills) on average of the last 3 months at least 300,000 VND.
• Residential addresses in provinces and cities shall be regulated by VNFITE from time to time.
• Customer Credit Rating Score (Scoring): According to the criteria of Mobiphone and related partners and according to the regulations of VNFITE from time to time. The minimum Scoring score is 450 points or more.
• Customers provide documents to prove that they have income sources to repay the average minimum of the last 3 months ≥ 4.5 million VND/month. The source of debt repayment is calculated by 40% of the proven income

Fundraising profile:

• Identity card/Citizen identification card.
• Personal phone number.
• Reference phone number: 03 relatives who are parents or siblings or husband and wife and 01 phone number who are friends or colleagues.
• Allow VNFITE to access social networks of borrowers such as zalo, facebook, etc
• Proof of income source:

+ Income from salary: Labor contract/appointment decision, health insurance card, salary account statement or income confirmation for the last 3 months.

+ Income sources from property rental: Documents proving property ownership (Red book, vehicle registration...), property rental contract, account statement with bank stamp/receipt the last 3 months.

+ For other sources of revenue: Will be approved by the Division Director to consider and accept a reasonable revenue source

Instruction document: