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Information of flexible loan products for individual customers

Please see details here 

How is the principal + interest calculation method for a daily installment loan product? Example How much will I pay 20 million for 6 months?

  • For daily installment loan, repayment of loan principal + interest is paid daily;
  • The method of calculating is usually attached to daily installment payment sheet enclosed with calculation instructions recorded in daily installment loan book;

I heard that Kienlongbank has a daily installment loan product, what is procedure?

  • The procedure is simple, does not take much time, including: 
  • Application for installment loan;
  • Certification of permanent/temporary residence;
  • Copies of legal documents: Family registration book, identity card (ID card) or passport of borrower and joint responsibility person; 
  • Certificate of business household registration (if any);
  • Documents proving legal ownership and/or legal use right to security property;

How much is the maximum loan amount for Kienlongbank's daily installment loan? And how long is the disbursement deadline? Can I pay weekly?

  • The maximum period is: 270 days;
  • Maximum loan amount: Depending on customers' needs and ability to meet loan conditions, customers can borrow up to 100 million VND / customer;
  • Document preparation time and disbursement can be done within a day.

Does Kienlongbank provide unsecured loans? If yes, what is the procedure? Do you need any seniority?

  • Kienlongbank currently has following unsecured loan products:
  • Consumer finance for employees outside Kienlongbank;
  • Daily installment loan;
  • Kienlongbank staff loans;
  • Loan overdrafts for employees and collaborators' accounts;
  • You can go to Kienlongbank's nearest branch or transaction office for further advice.

How much money can I borrow if I want to get a mortgage loan with 10 million salary / month? And is there any confirmation from my company/employer or not?

Kienlongbank currently has non-secured loan products such as:

  • Consumer finance for employees outside Kienlongbank;
  • Daily installment loan;
  • Kienlongbank staff loans;
  • Loan overdrafts for employees and collaborators' accounts;
  • You can go to the nearest branch or transaction office of Kienlongbank for further advice.

Can I buy a house for living and I want to mortgage that future house to get a loan, what is procedure?

  • Currently, KLB has home loan product to buy and receive the intended house as a collateral.
  • You can go to the nearest branch or transaction office of Kienlongbank for further advice on loan procedures.

How much can I borrow to buy a car with an amount of 700 million dong and mortgage a 2 billion house in my parents' name?

  • Kienlongbank lends a maximum of 100% of the value of a car purchased with an amount of 700 million (if the collateral is a 2 billion house assessed by Kienlongbank).

Currently, I borrow at Branch A by mortgaging my house? So can I borrow more at Branch B of Kienlongbank?

  • Currently, you have a loan at Branch A of Kienlongbank and mortgage with your current house. As such, you cannot borrow more at Branch B of Kienlongbank. The reason is that you have outstanding loans and collateral at Branch A. If you want to borrow more, you can continue to borrow money at Branch A or you have to pay off all debts and mortgage assets at Branch A to get a new loan at Branch B

I have 01 house with valid use right documents, so how much maximum can I borrow on this property? And what is the current lending rate?

  • You can borrow up to 70% of the assessed value of the house;
  • You can refer to lending rate on KLB Website.

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