• Tiếng Việt

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.

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;

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.

I borrowed installment in November 2014 with 06 month term (maturity is 05/2014), why did Kienlongbank collect a deduction out of loan amount at disbursement time? Why can't I receive full loan amount?

  • The time customer getting 6 month term loan falls on Lunar New Year holiday. According to Kienlongbank's regulations, loan collaborator will have to advise customers on pre-collection of corresponding principal and interest amount for 10 days of Tet. If the customer does not agree with the above collection, the collaborator can collect it after the Lunar New Year and the customer must pay for Tet holidays’ interests after 05 days from first working day.

Copyright © 2018 Kienlongbank. All right reserved.