Thuyết trình lending products of commercial bank

Lending products of commercial bank
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MEMBER

-

Nguyễn Tuấn Anh
Nguyễn Mỹ Linh
Lê Thị Minh Ngọc
Nguyễn Thị Thu Trang
Nguyễn Mỹ Hạnh


1

Content

Overview of types of lending product for customer

Lending Product :

2

SEABANK

.

3

4

Documents

Question


Types of Loans Granted to individuals and families
Residential loans

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Residential mortgage loans

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02

Term of loans: 15-30 years

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

Secured by the property itself

Interest rate



Both fixed IR and floating IR that changes periodically with a specified base
rate

Have a commitment fee



1-2% of the face amount of the loan

04
05


Types of Loans Granted to individuals and families
Nonresidential loans: Contrast to residential mortgage loans

Installment loans

Noninstallment loans

Term of loans: short-term and medium-term loans

Term of loans: short-term ( usually 6 months or less)

Repayable in two or more consecutive payments

Repayable in a lump sum in maturity date

Interest rate: usually is fixed IR

Loan limits: small amounts and include charge accounts

Purpose: buy big-ticket items or to consolidate existing household

Purpose: cover the cost of vacations, medical care, the purchase of

debts

home applicances, and auto and home repairs.


01

Characteristics of Consumer
Loans


02

Interest inelastic


Profitable credits with “sticky” interest rates.

Consumer loans also tend to be cyclically sensitive.

03



04

Most costly and most risky to meke per dollar


05

Education and income levels do materially influence consumers’s use of credit.




Evaluating a Consumer Loan Application
DEPEND ON 7 ARTICLES

Income Levels 1

2

Character and Purpose

3

4

Employment and Residential Stability

Deposit Balances

Evaluating a Consumer Loan Application
DEPEND ON 7 ARTICLES

5
7

Loan

6

How to Quality for a Consumer

Pyramiding of Debt

Challenge of Consumer Lending


Address
•

Headquartered at 25 Tran Hung Dao Street, Hoan Kiem District, Hanoi, SeABank is known
as one of the leading commercial joint stock banks in Vietnam in terms of charter capital,
distribution network, brand awareness and growth rate.

Over view

Achivement
Founded in 1994, SeABank has possessed a heritage of 22 years of development to build up
its today great shape with charter capital of approximately VND 5,500 billion, total assets of
nearly VND 100 trillion and a network of 160 branches and transaction points in 25 big cities

and provinces across the country.


Mission
•

With aim of becoming a prominent retail bank in Vietnam, SeABank offers a rounded set of
banking products and services to individual customers, SMEs and large corporations. SeABank
is committed to maximizing benefits for customers, returns for shareholders and ensuring
sustainable development of the bank while contributing to the socio – economic development of
the country.

Over view
Vision
SeABank desires to develop towards becoming a prominent retail bank of Vietnam and
advancing to the model of a modern multi-functional banking-finance group with excellent
product and service quality and corporate brand creditability.


SeAfast
This product provides services for customers to spend more than the amount of
money could have paid on deposits of customers at Seabank for each credit limit
Characteristics and benefits
Customers are not required collateral for overdrafts

Product strengths
Loan purposes: comsumption, offset instantaneous power shortage

Spending exceeds of the account balance can be up to 50 million VND

How to apply
Loan term up to 12 months

Collaterals are not required

Limit: from 1 to 50 milion VND depends on each customers income

Easy to use limits: ATM, withdraw cash at the counter, E- bank, POS…
Fill in the Application form and prepare Required Documents then apply at any Branch or Transaction Office of SeABank

After maximum 60 days continuous overdraft, customers must pay at least 1 transaction debit , after 6 months continuous overdraft they must pay all amount of overdraft limit

Overdraft limit granted after 2 working days
Mandatory conditions that must be paid salary through Seabank


SeABuy
Product strengths

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•

Characteristics and benefits

One of the best products for the shopping demand of customers

•
•
•
•

No reluctance to borrow from your relatives and friends.
An unsecured loan of up to 500 millions VND

Loan term up to 60 months

Easy to manage household spending with certain amount per month and
(…)

Loan term up to 60 months, calculation of interest on the basis of actual

•

loan balance

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•

Loan amount of up to 500 milion VND

•
•

Collaterals are not required

Flexible and attractive interest rates.

Well management of your financial situation
Prompt processing of applications, disbursement after no more than 03
working days

•

How to apply

Flexible and attractive interest rates.

•

Fill in the Application form and prepare Required Documents then apply
at any Branch or Transaction Office of SeABank


SeAMore
Product strengths
Characteristics and benefits

•

Loan amount up to 500 million VND

•
•
•
•
•
•

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Loan term: from 6 to 60 months

Loan term up to 5 years

A loan can be applied for many purposes

•

Loan amount of 10 to 500 million VND

Simple procedure

Collateral: House, flat, land use rights, ..
Lending rate for the assess valuation of the collateral up to 50 %
Insurance: Customers must buy fire insurance for property on land and

How to apply

transfer benefits for SeAbank until yield to maturity

•

Fill in the Application form and prepare Required Documents then apply
at any Branch or Transaction Office of SeABank

•

Legal documents related to collateral

SeACar
Characteristics and benefits

•
•
•
•
•

Product strengths

Related documents
•

Loan purpose: Buy cars on non-business purpose

Decision no 3885/2015/QD
– TGD
• Maximum term
of 120on
months

Loan term: Minimum term of 6 months, maximum term of 120 months

• 2014
Use car as collateral
September 8th,

Loan amount: minimum of 100 million VND, maximum of 5 billion VND

•

Collateral: car, real estare, value paper
Insurance: the amount of material insurance for car as collateral reaches

Loan amount of up to 95% of car value

•

Disbursement method is flexible

Disbursement before the issue of car registration certificate up to 45 days

the minimum value at 140% of loan value, or 100% of collateral value

•

Disbursement: disursement on savings, or disbursement on promissary
note of resgistration certificate , or when collateral already has certificate
of ownership

Loan profile

•

Application form of SeABank

•
•

Legal records

Documents proving loan purpose: car sale contract, payment vouchers
for car agency,...

•

Documents proving financial capacity and repayment sources

•

Collateral file


SeACar Pro
Loan profile
Application form of SeABank
Legal records, collateral
Documents proving financial capacity and
repayment sources

Reference documents

Loan amount of up to 70%
car value
Decision- 446/2014/QD
onof February
10,

2014

- Maximum term of 60 months and grace period of 3 months
- Use car as collateral
- Disbursement before the issue of car registration
certificate up to 45 days


SeaHome
Loan profile

Application form of SeABank

Reference document

Decision no. 5158/2014/QD – TGD on December 2nd,
2014

Legal records, collateral records

Documents proving financial capacity and repayment sources


•

•

Characteristics and benefits

Finance support for your students and pupils or their relatives studying in nation or overseas to support for the
tuition payment and cost of living

•
•
•
•

Maximum loan amount 10 million VND is at leastup to 1 billion VND depending on loan package
Maximum term of 60 months and minimum term of 6 months
Grace period is not over 24 months but can not over 3 months after finishing studying.
Disbursement: transfer to saving or payment account of customer at SeABank or to school account

SeA study
Product strengths

•
•
•
•
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•

Collateral or non guarantee loan are offered
Grace period is not over 24 months
Customer could take money to pay tuition payment and cost of living
Grace period is not over 24 months
Loan amount is up to 1 billion VND, loan terms maximize 60 months
Prefered interest


Loan profile

•
•
•

Application form of SeABank
Legal records, collateral records
Documents proving financial capacity and repayment sources

SeA study
Reference document

•

Decision no 3830/2010/QD-TGD on November 1st, 2010


LOANS SECURED BY PERSONAL DEPOSIT – SEAVALUE
According to new regulation

Characteristics and benefits
Product strengths

Collateral: Personal deposit: saving book, saving account, deposit certificate, deposit contract… released by SeABank

Loan
term:
Duration
of taken the loan fast

How to apply
• minimum: 01 day;
•Valid identification/passport
maximum: ½ remaining term of valuable papers in VND,
•Competitive
not exceeding
12 months for valuable papers in foreign currencies
interest rates
Loan application paper form SeABank

Lending currency: VND
Simple procedures
Record of collateral : valuable papers originals are released by SeABank.
Loan limits:

• 98% of valuable papers in VND
the- demand
for loanspapers
immediately
•To meet
75%
85% of valuable
in foreign currencies converted into VND
Other relevant documents depending on specific circumstances


Loans for teachers
Characteristics & benefits

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Product strengths

Customers are workers & employees currently working in the public schools, or the staff

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nationwide provinces / cities except employees public, housekeeper, driving.

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Have time to work a minimum of 24 months at workplace (requires labor

How to apply

working at the Ministry of Education, the Department / Office of Education in the

•
•
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Does not require collateral.
Loan term up to 60 months.
Loan limits up to 200 million dong.
Does not required pay wages through accounts at SeA bank

contracts do not specify the time limit for officials).

•
•

•

•

Does not require collateral.
Loan term: minimum: 06 months; maximum: 60 months
Loan limits: minimum: 10 million dong; maximum: 200 million dong

Repayment method: can be applied to pay interest on the original loan

•

Loan application paper form SeABank

•

Legal records .

•

Documents proving financial capacity and repayment sources


Refinancing Loan

Characteristics and benefits
Product strengths

Applicable to customers who are trading credit at other credit institutions, currently they have a need for credit transactions at SeA bank.

The
is not
the condition
of being
loaned by the credit institution to restructure the principal / interest (including adjustment of
Tái loan
tài trợ
choinkhách
hàng tại
NH khác
repayment period and debt extension)

How to apply

Loan application
paperisform
SeABanksupport for customers during the loan process.
Disbursement
method
diversified,

Loan term: not exceeding the remaining loan term of the loan at other credit institutions and the regulations of SeA bank

Legal records
Purpose:
loans to. buy house, construction, repair house; loans to buy car to use.
Repayment method is flexible.

Loan limits: minimum : 500 million dong, and not to exceed the current outstanding balance of this loan at other credit institutions

Documents proving financial capacity and repayment sources.
Accept many types of collateral.
Collateral: Real estate, movable property (already possess ownership / use certificate) of the customer.


Lending support to buy house

Features & abilities of product

Customer proposals to buy
70/m2

smaller unit costs 15 million/m2

OR

total value less than 1.05 billion VND
commercial

social housing

housing

Customers have the minimum capital to participate in this project:

•
•

Purchase, lease, hire-purchase housing :20%
Renovation, construction, repairs

:30%

The minimum loan is 50 million VND , maximum loan is 700 million VND

Loan maturity/Preferential interest rates:

•
•
•
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Buy house :15 years
Lease/hire-purchase :15 years
Build, housing repair :10 years
Households and individuals to invest in renovation or new construction of
social housing: 5years


Lending support to buy house

Strength of the
product

Loan Application

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•
•
•

Support for housing for low-income people, civil servants and state employees, armed forces
Loan term up to 300 months, depending on the loan purpose
Flexible repayment methods corresponding to each method of lending
Preferential interest rate and fixed engaging up to 15 years

• Loan application paper form SeABank
• Legal records .
• Documents proving financial capacity and repayment sources
• Own product profiles

• Decision 877/2015/QĐ-TGĐ 03.12.2015
Reference
Reference documents
documents


- Object personal loans business households registered business or individual business
households without business registration

Name of product: Additional loan capital for
production and business for customers Pro

- Time of lending

•
•
•

Lending credit limit: limit the validity period of 12 months

- Purpose of lending: additional working capital
Lending by Course: maximum 12 months
Installment loans: maximum 60 months
- Loan maximum 70% capital need

- Repayment methods

Features and abilities of product

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•
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Lending credit limit : monthly interest payment, principal payment at maturity
Lending by Course : Interest paid monthly / quarterly / 6 months. principal payment at maturity
Installment loans: Interest paid monthly. Pricipal paid monthly/ quarterly


Additional loan capital for production and business for customers Pro

Product strengths
Loan application

Meet the need for additional capital loan production business

Loan application paper form SeABank
Loan term up to 60 months

Reference documents

Legal records
Decision
2221/2014/QĐ-TGĐ
27/05/2014
Flexible repayment
methods corresponding
to each method of lending

Documents
proving financial capacity
and repayment sources
Decision
2222/2014/QĐ-TGĐ
27/05/2014
Competitive
interest