Product description: Consumer loans for employees outside Kienlongbank (no security collateral) is lending product without security collateral for consuming/living support for customers who are employees working at organizations/businesses outside Kienlongbank.

Target customers: employees working at organizations/businesses outside Kienlongbank.

Conditions:

For employees:

• Minimum working period of 12 months. 
• Authorization for organizations/businesses (employer) to deduct their income to repay loans. 
• Ability to repay loan principal and interest.
• Purpose of using loans is to support living needs. 
• Open current account at Kienlongbank.

For organization/business (employer):

• Having creditworthiness, business operations are continuously efficient and profitable.
• Commitment to confirm the employee’s working time, incomes and agree to deduct the employee’ income to repay loans to Kienlongbank.
• Commits to pay staff salaries through  accounts opened at Kienlongbank. 
• Commit to notify Kienlongbank of employee’s job quit, retain and remit to Kienlongbank all amounts payable to employee for loan payment.
• Must have a cooperation/collaboration contract with Kienlongbank.