Loan Currency: VND
Target customers: Vietnamese individuals
Security Properties:

• Unlisted securities
• Listed securities
• Real estates

Loan conditions:
General conditions:

• Securities purchased or used as secure property must be listed security or belong to list of securities accepted as secure properties by bank

Specific conditions:
Secure property: unlisted security

• Customer is the legal owner of security property
• Customer authorizes Sacombank to treat security property in case of default
• Having issuer’s acknowledgement
• Secure property is transferable and has not been transferred yet in any form

Secure property: listed security

• Customer opens security trading account with security companies associating with Sacombank

Secure property: Real Estates

• Customers have loan secure property
• Customers trade securities through security companies associating with Sacombank

Interest rate: Applicable interest rate periodically promulgated by Sacombank
Credit line:
Secure property: unlisted and listed security

• Basing on accepted security property list, not exceeding security’s remaining value
• Maximum credit line is set by General Director periodically

Secure property: Real estate

• 60% of secure property value but not exceed real estate’s remaining value

Loan term:
Secure property: unlisted and listed security
       1 – 6 months
Secure property: Real estate
       1 – 3 months
Loan method: By time
Repayment method:

• Pay principle at term - end
• Pay interest monthly or at term - end

Loan application file:

• Loan application form of Sacombank
• Identification Card, registration book of borrower and spouses, guarantor
• Documents verifying income resource, solvency
• Documents related to secure property

Benefits:
Using Phone banking, E-Sacombank services free of charge