News
14/04/2025
Banking procedures often make many people confused because of the complicated steps and documents that need to be prepared. However, with the 5 simple steps guided by SeABank in this article, you will easily complete the bank loan procedure quickly and effectively.
Before applying for a loan, you need to determine whether you meet the conditions required by the bank or not. Here are some common conditions you need to check for:
Checking these conditions helps you determine whether you are eligible for a bank loan or not. At the same time, determining the conditions for an unsecured loan or mortgage is also very important, helping you choose the appropriate loan package and form, avoiding wasting time during the procedure.
You need to choose a loan type and loan package that suits your financial needs as well as your ability to meet the conditions. Have 3 Common forms of bank loans include unsecured loans, mortgages, overdraft loans and installment loans. Among them, mortgage and unsecured loans are the two top priority options.
You can review the comparison table below before choosing a loan type:
Thus, depending on your purpose and financial ability, you can consider:
Therefore, before deciding, evaluate your ability to pay and carefully consider the pros and cons of each type of loan.
Regarding loan packages, depending on each bank, there will be different loan packages. SeABank is the most popular bank in Vietnam. Unit provides many flexible loan packages for individual and business customers, specifically:
What do you need for a bank loan? After fully meeting the bank loan conditions, you need to prepare a set of documents suitable for the loan type you choose. Below is a detailed table of required documents for each type of loan:
Detailed mortgage loan documents according to loan purpose:
Note: Depending on the bank and loan purpose, you may be required to add other documents to complete the application.
To apply for a loan from a bank, you can do it in one of the following two ways:
After the loan is disbursed, you need to fulfill your monthly interest payment obligation according to the term and interest rate agreed in the loan contract. Paying interest on time is an important factor to help you maintain a good credit history and avoid late payment penalties.
Customers can make payments through many different methods:
If you have difficulty making payments, you should proactively contact your bank for support and find a reasonable solution.
This is 4+ cThe most common questions when customers carry out bank loan procedures:
Question 1: What is the most accurate way to calculate bank interest rates?
Method 1: Calculate bank loan interest rate according to the formula
There are two interest rate calculation formulas that you can apply.
To calculate the interest rate based on the initial outstanding balance, apply the following formula:
Method 2: Calculate bank loan interest rates using an application on your phone
Currently, there are many mobile applications that help you calculate bank loan interest rates quickly. These applications will help you make the correct decision when choosing to borrow money.
Method 3: Calculate bank loan interest rates using bank tools
At the bank's application, you can use calculation tools to refer to the interest rate you need to pay when borrowing. You just need to enter information such as loan amount, loan term, interest rate and loan type. The system will automatically calculate the amount of interest payable. This tool helps you compare interest rates between banks and choose the appropriate loan option.
Question 2: During the process of the bank appraising collateral, do customers have to pay a fee?
When the bank conducts an appraisal of the collateral, customers often have to pay an appraisal fee. This fee will vary depending on the bank and type of asset to be appraised. To understand information about fees as well as related details, you should directly contact the bank you are working with for specific advice.
Question 3: During the application appraisal process, does the bank call the borrower's relatives or colleagues?
During the application appraisal process, the bank usually does not call the borrower's relatives or colleagues. The bank only directly contacts the company where the borrower is working to verify the necessary information.
Question 4: Which bank should I choose to borrow capital?
When choosing a bank to borrow money from, you should consider factors such as interest rates, simple loan procedures and customer care services. One of the banks loved and highly appreciated by users is SeABank - which provides flexible loan packages, attractive interest rates and a quick and easy loan process. You can contact SeABank directly for specific advice and find a loan solution that suits your financial needs.
Understanding and following the correct steps in bank loan procedures will help you save time and increase your chances of being approved for a loan. With the 5 simple steps that SeABank guides above, we hope to help you confidently complete the procedure and quickly receive the desired loan. If you need more support information or need a loan at SeABank, please contact us at Hotline 1900 555 587 or visit the SeABank website.
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