Note: The content in the article is compiled from general market information and does not solely represent SeABank's products and services.

1. Introduction to unsecured loan products at SeABank

SeABank unsecured loan is a flexible financial solution Southeast Asia Commercial Joint Stock Bank (SeABank) Providing customers with loan needs without collateral. Borrowers only need to commit and provide personal information, income, or credit records to borrow money from the bank.

The unsecured loan limit is calculated based on the employee's actual income, as well as depending on the policies of each bank. With SeABank, the unsecured loan package is up to 6 times the salary and the limit is up to 300 million VND.

SeABank is trusted by many customers when needing unsecured loans thanks to its outstanding advantages in policies and services. With the goal of effective financial support, the bank always provides solutions that are flexible, transparent and suitable to actual needs. Below are the reasons that make SeABank the top choice for unsecured loans in Vietnam.

Low interest rates and transparency
SeABank is always in the group of banks providing the most competitive unsecured loan interest rates on the market. With clear and transparent policies, customers not only save costs but also easily calculate monthly installments, ensuring effective financial planning.

Simple procedures, quick disbursement
The unsecured loan process at SeABank is optimally designed, minimizing complex paperwork requirements. Approval and disbursement time is quick, helping customers receive capital promptly to solve urgent financial needs.

Flexible loan conditions
SeABank offers a variety of unsecured loan packages, meeting the needs and financial capabilities of each customer. Flexible policies ensure convenience, helping borrowers easily choose the solution that best suits their circumstances.

Vay tín chấp tại SeABank giúp khách hàng tiếp cận vốn dễ dàng, thủ tục nhanh chóng và lãi suất cạnh tranh. — *Unsecured loans at SeABank help customers access capital easily, with quick procedures and competitive interest rates.*

Thus, if Quarter Customers looking for an effective unsecured loan solution, with competitive interest rates, simple procedures and flexible loan conditions, SeABank is the perfect choice.

2. Latest low unsecured loan interest rates at SeABank in 2025

Unsecured loan interest rates at SeABank are applied flexibly, ranging from 10% to 16%/year, depending on the time of loan and type of loan product. This interest rate helps SeABank maintain high competitiveness in the financial market, while meeting the loan needs of a diverse range of customers.

Lãi suất vay tín chấp tại SeABank sẽ phụ thuộc vào nhiều yếu tố để quyết định mức lãi suất cụ thể cho khách hàng. — *Unsecured loan interest rates at SeABank will depend on many factors to determine the specific interest rate for Quarter client.*

Các yếu tố ảnh hưởng đến lãi suất vay tín chấp tại SeABank:

Thời điểm vay vốn: Lãi suất vay tín chấp có thể thay đổi theo từng thời điểm, bị ảnh hưởng bởi các yếu tố kinh tế vĩ mô như lãi suất của ngân hàng trung ương, tỷ lệ lạm phát và tình hình thị trường tài chính. Khi lãi suất thị trường thấp, khách hàng sẽ được hưởng mức lãi suất ưu đãi hơn.

Factors affecting unsecured loan interest rates at SeABank:

Loan time: Unsecured loan interest rates can change from time to time, affected by macroeconomic factors such as central bank interest rates, inflation rates, and financial market situation. When market interest rates are low, Quarter Customers will enjoy more preferential interest rates.

Type of loan product: SeABank offers many unsecured loan products with different interest rates, depending on the loan purpose. Consumer loans or loans for regular personal needs often have lower interest rates than loan packages for special purposes such as study abroad loans or home loans.

Financial capacity and credit history: If Quarter Customers with good payment history and high credit scores will be evaluated by the bank Dear customers Being a low-risk customer helps Quarter Customers receive lower interest rates. On the contrary, if your credit score is low or you have a poor payment history, the bank will apply a higher interest rate to compensate for the high credit risk.

3. 4 low-interest unsecured loan packages at SeABank

To meet the need for unsecured loans with preferential interest rates and flexible conditions, SeABank offers many unsecured loan packages suitable for each customer. Below is a detailed comparison table of loan packages at SeABank, helping customers choose the product that best suits their financial capabilities and goals.

SeABank unsecured loan packages	Limit	Loan term	Loan object
Loans for Teachers, Civil Servants, and Public Employees	Limit up to 300 million VND	Maximum 60 months	Teachers, civil servants, state employees
Overdraft loans without collateral	The limit granted is up to 300 million VND	Maximum 12 months	Customers have income from salaries and pensions paid through SeABank or other credit institutions
Loans to the Women's Union	Limit up to 100 million VND	Maximum 48 months	Member of the Women's Union
Installment Loans	Loan limit is up to 500 million VND	Maximum up to 60 months	Customers have income from salaries and pensions paid via Bank Account or cash

SeABank provides unsecured loan packages to suit many needs Quarter customers, help Quarter Customers can easily calculate costs and choose a loan package that suits their personal financial needs. Compared to other banks, SeABank possesses outstanding advantages:

Flexibility in unsecured loan packages: SeABank offers many loan package options to suit each customer's needs.
Loan limit is up to 500 million VND: Quarter kCustomers can borrow large amounts of money to meet personal financial needs.
Loan term is from 12 to 60 months: Customers can flexibly choose the loan term that suits their financial capacity.
The loan process is quick and convenient: SeABank helps customers access capital promptly and easily.
Diverse customer base: The bank serves many subjects such as civil servants, public employees, and members of the Women's Union, meeting the loan needs of many different customer groups.

Customers please contact SeABank via Hotline 1900 555 587 or visit the website www.seabank.com.vn for detailed advice on interest rates and suitable loan packages.

4. Conditions, procedures and process for low-interest unsecured loans at SeABank

4.1. Condition

Age: Customers must be 18 years of age or older and no more than 70 years old when the loan ends, ensuring payment ability throughout the loan term.
Income: Customers have income from a minimum salary of 5 million VND/month or a minimum pension of 2 million VND/month. Stable income will help customers easily meet loans.
Working time: Customers need to have at least 3 months of continuous work at their current work unit to ensure financial stability.
Special unsecured loan packages: SeABank also deploys unsecured loan programs specifically for special customer segments, such as:
- Loan package for women under the Women's Union.
- Loan packages for Teachers, Civil Servants, and Public Employees. These loan packages have more flexible and easier lending conditions to meet the needs of each customer group.

Điều kiện, thủ tục và quy trình vay tín chấp tại SeABank đơn giản, nhanh chóng và linh hoạt, giúp Quý khách hàng dễ dàng tiếp cận vốn. — *Conditions, procedures and unsecured loan process at SeABank are simple, fast and flexible, helping customers easily access capital.*

4.2. Procedure

To get an unsecured loan at SeABank, customers need to prepare the following documents:

Loan application form according to the bank's form, to start the loan procedure.
Personal documents: ID card/CCCD or Passport, and Permanent residence or long-term temporary residence. These are necessary documents to verify identity.
Proof of income: Labor contract or bank account transaction statement for the most recent 3 months, proving stable income and customer's ability to pay.

4.3. Procedure

Below is the unsecured loan registration process at SeABank, help Quarter Customers clearly understand the necessary steps to easily access loans with simple and quick procedures.

Step 1: Choose registration form
Customers can choose one of the following methods to apply for an unsecured loan:

Directly at SeABank branches or transaction offices.
Call SeABank's support hotline for advice.
Register online via SeABank's official website.

Step 2: Get advice and guidance
After registering, customers will receive advice from bank staff on the documents and loan packages that best suit their needs and financial capabilities.

Step 3: Submit application
Customers prepare and submit unsecured loan applications at SeABank branch, the appraisal department will check the loan application.

Chỉ cần khách hàng có nhu cầu, SeABank sẽ tư vấn tận tình và hỗ trợ nhanh chóng giúp khách hàng tiếp cận khoản vay phù hợp. — *Just Quarter If customers have needs, SeABank will provide dedicated advice and quick support to help Quarter Customers access suitable loans.*

Step 4: Review documents
SeABank will review and evaluate the loan application, offering an appropriate loan limit based on the customer's income and credit history.

Step 5: Notify the results and make an appointment to sign the contract
If the application is approved, the customer will be notified and scheduled to sign an unsecured loan contract.

Step 6: Sign the contract and receive the loan
After signing the contract, customers will receive the loan in the shortest time, convenient for their financial plans.

5. Experience with successful loans and low interest rates at SeABank

To successfully borrow unsecured loans and receive low interest rates at SeABank, Quarter Customers need to prepare carefully and clearly understand important factors. Here are some experiences that help Quarter Customers increase the likelihood of approval and save on loan costs.

Choose the right loan: You kCustomers should choose a loan level appropriate to their financial capacity and ability to repay debt to avoid financial risks. This helps Quarter Customers ensure that the loan is not too much and can still be paid on time.
Check credit history: Before borrowing, Quarter Customers should make sure that there are no bad debts. A good credit history will increase your chances of loan approval and help Quarter Customers receive preferential interest rates from SeABank.
Choose a reasonable loan term: Choosing a short-term loan period helps Quarter Customers save on interest. However, Quarter Customers need to ensure they are able to repay debt on time to avoid additional fees.
Take advantage of preferential loan packages: SeABank offers many special loan packages for target groups such as women, teachers, civil servants, and public employees. You kPlease take advantage of these programs to enjoy low interest rates and more flexible loan conditions.

Unsecured loan at SeABank is the ideal choice for you Quarter customers looking for a quick and convenient financial solution. With competitive interest rates, simple procedures and flexible loan packages, SeABank helps Quarter Customers can easily access capital without the need for collateral. To borrow successfully, Quarter Customers only need to ensure loan conditions, prepare complete documents and choose a loan that suits their financial ability.

If Quncle Customers who need support please contact SeABank via Hotline 1900 555 587 or visit the website www.seabank.com.vn for detailed answers.