Bạn đọc lưu ý: Các số liệu và thông tin trong bài viết được tổng hợp từ nguồn thị trường chung và không áp dụng riêng cho sản phẩm hay dịch vụ của SeABank.

1. Conditions for unsecured bank loans

Unsecured bank loans apply to individual and business customers with the following conditions:

1.1. Unsecured loan conditions for individual customers

Each bank will apply its own regulations when approving unsecured loans. However, in general, individual customers need to meet the following basic conditions:

Nationality and residence: Be a Vietnamese citizen, have permanent residence or temporary residence in the same area as the lending institution.
Personal documents: Provide an identity card (ID card), non-citizen identification card (CCCD) or a valid passport.
Legal capacity: The borrower must be able to exercise civil rights and obligations according to the law.
Credit history: There are no bad debts at any bank or financial company.
Age: From 20 to 70 years old at the time of loan.
Income: Ensure a minimum after-tax income of 10 million VND/month, depending on each bank's policy at each time.

Lịch sử tín dụng “sạch” là điều kiện vay tín chấp của khách hàng cá nhân. — *A "clean" credit history is a condition for unsecured loans for individual customers.*

1.2. Conditions for unsecured business loans

To borrow unsecured loans from banks, businesses need to meet the requirements according to Article 7 Ththeng tin 39/2016/TT-NHNN, including:

Legal entities with legal capacity: Enterprises must be legal entities with civil legal capacity according to the provisions of law.
Legal loan purpose: Loan needs must be used for appropriate purposes legal, legitimate and transparent.
Feasible capital use plan: Businesses need to have a clear, feasible and realistic capital use plan.
Financial ability to repay debt: Enterprises must have financial capacity to ensure timely debt repayment.

*Business customers need to have a feasible capital use plan*

2. Unsecured loan documents for individual and business customers

Similarly, the conditions and unsecured loan documents for individual and business customers are also different, specifically:

2.1. Unsecured loan documents for individual customers

When taking out an unsecured loan at a bank, you need to prepare two types of documents, including personal documents and documents proving financial capacity, specifically:

STT	Record type	Information needs to be prepared	Quantity
1	Personal profile	Application for unsecured loan according to the bank's form.	01
2		Citizen identification card (CCCD) or identity card (ID card) is still valid.	01 original
3		Other documents as required by the bank.
4	Documents proving financial capacity	Current salary slip or minimum salary statement for the last 3 months.	01 original
5		Labor contract or appointment decision is still valid.	01 original
6		Documents proving no bad debt at credit institutions up to the time of unsecured loan	01 original

Tổng hợp chi tiết bộ hồ sơ vay tín chấp ngân hàng mới nhất 2024

2.2. Unsecured loan documents for businesses

Unsecured loan applications for businesses include the following documents and specific requirements:

Record type	Documents required
Legal records	Business registration certificate Company charter
Financial records	Most recent financial report
Activity profile	Resolution/Meeting minutes/Decision of the competent authority approving the loan
Loan documents	Personal guarantee certificate of the business owner (if necessary) Documents proving the purpose of capital use

Before preparing unsecured loan applications, businesses and individual customers need to pay attention to the following two issues:

Problem 1 - Choose a reputable bank: Reputable banks help you ensure transparency and benefits throughout the loan process. When considering between banks, you should consider factors such as loan policies, applicable interest rates, loan limits, as well as registration procedures and time. Each bank will have its own regulations on unsecured loan limits.
Problem 2 - Understanding loan conditions and documents: Banks often have different requirements depending on the time and applicable policies. You need to clearly understand important information such as loan interest rate, disbursement amount, repayment schedule and fees that may arise during the loan process.

Bộ hồ sơ vay tín chấp của doanh nghiệp cần có giấy đăng ký kinh doanh, báo cáo tài chính, điều lệ công ty,... — *The business's unsecured loan application requires a business registration certificate, financial statements, and company charter,…*

3. Process for reviewing unsecured bank loan applications

The process of approving unsecured loan applications at banks takes place in the following 4 steps:

Step 1 - Submit unsecured loan application: You need to prepare a complete personal profile and documents proving financial capacity as required by the bank, then submit to start the approval process.
Step 2 - Review and supplement documents (if necessary): The bank will check the information from the submitted documents. If there are omissions or additional documents are needed, you will be asked to provide more. After receiving complete documents, the bank will review the application within 3 - 5 working days.
Step 3 - Sign the loan contract: When the application is approved, you and the bank will sign an unsecured loan contract according to the agreed terms.
Step 4 - Receive disbursement: After completing the contract, the bank will disburse funds according to the approved limit.

No need to go directly to the transaction office to submit documents, with SeAMobile, you can completely take the initiative to get an unsecured loan right at home. Just follow a few basic steps on the SeAMobile application, you can complete the unsecured loan procedure in 3-5 minutes with extremely high limits.

Đến văn phòng giao dịch gần nhất để nộp hồ sơ vay tín chấp. — *Go to the nearest transaction office to submit an unsecured loan application*

4. SeABank - The bank has simple unsecured loan documents that are easy to implement

Unsecured loan applications at SeABank are considered by many to be simple and suitable for many types of customers. The bank offers attractive unsecured loan packages with high limits, equivalent to many times the customer's monthly income. This is the ideal choice for those who need quick capital without collateral.

SeABank requires basic documents such as ID card/CCCD, household registration, labor contract and bank statement - documents that are easy to prepare for most people. Loan conditions are also flexible with the income of each different target group.

In addition to normal loan packages, SeABank also deploys unsecured loan products specifically for special segments, such as:

SeAWomen: Support for women under the Vietnam Women's Union.
Loan packages for teachers, civil servants, and public employees: Conditions are more flexible and preferential.

With clear processes and easy-to-meet conditions, SeABank is the top choice for all unsecured loan needs, from personal expenses to small investments.

SeABank có đội ngũ chuyên viên hỗ trợ tận tình, chu đáo. — *SeABank has a team of dedicated and thoughtful support specialists*

5. Answers to 4+ frequently asked questions when borrowing unsecured loans

Below are the 4 most frequently asked questions when customers apply for credit loanssteam:

5.2. How do I know if my loan application is approved?

To know whether your unsecured loan application has been approved or not, you can do the following: check the notification from the bank, contact the bank directly, look up on the bank's application,...

5.3. How to calculate interest rates and fees when borrowing unsecured loans

To calculate unsecured loan interest rate, you can apply 1 of the 2 formulas below:

Formula 1: Calculate interest based on principal balance

Monthly payment amount = Fixed monthly principal payment + Fixed monthly interest.

Formula 2: Calculate interest based on decreasing balance

Principal amount paid each period = Initial loan amount / Number of repayment periods.

First period interest = Loan amount × Periodic fixed interest rate.

Interest in future periods = Remaining debt balance × Fixed monthly interest rate.

Amount payable each period = Principal amount paid each period + Interest of that period.

5.4. Do I need to pay additional costs such as document collection fees and appraisal fees?

When taking out an unsecured loan at some banks, you may need to pay additional fees such as application processing fees, early settlement fees or late interest fees.

Một số ngân hàng có thể yêu cầu thanh toán khoản phí xử lý hồ sơ khi làm thủ tục vay tín chấp. — *Some banks may require payment of a processing fee when applying for an unsecured loan*

Preparing complete and accurate unsecured loan documents is an important step to help you easily access capital quickly. Understanding the requirements and preparing carefully will help the loan process go smoothly and achieve the best results. Don't forget to contact SeABank via Hotline 1900599952 If you are interested in the unsecured loan process with simple documents and quick disbursement procedures!

Southeast Asia Commercial Joint Stock Bank SeABank

Address: BRG Building, 198 Tran Quang Khai, Ly Thai To Ward, Hoan Kiem District, Hanoi
Call Center: KHCN 1900 555 587 / (024) 39448702 – KHDN 1900 599 952/ 024-32045952
Customer care email: contact@seabank.com.vn