COMMERCIAL BANK Lending products for customers of some commercial banks in VietNam Group members  Đặng Thị Khánh An  Class: Banking  Vũ Quỳnh Anh  Intake: 56  Đỗ Quang Huy  Group:  Vũ Trịnh Mỹ Linh  Nguyễn Văn Quý Part Overview of BIDV and SeABank 01 Part 02 Part 03 Part 04 Some credit products for individual customer Credit card Question MAIN PART PART : OVERVIEW I Overview about BIDV II Overview about SeABank I BIDV As the longest-established bank in Vietnam, as of 31 December 2015, BIDV had total assets of more than 850 VNDtrillion (~USD38.6 billion), making it the country’s largest commercial bank.  Full name: Joint Stock Commercial Bank for Investment and Development of Vietnam Abbreviated name: BIDV Establishment: 26 April 1957 Address: BIDV Tower, 35 Hang Voi Street, Hoan Kiem District, Hanoi II SEABANK SeABank has possessed a heritage of 22 years of development to build up its today great shape with charter capital of approximately VND 5,500 billion, total assets of nearly VND 100 trillion and a network of 160 branches and transaction Address : 25 Tran Hung Dao Street, Hoan Kiem District, Hanoi Establishment: 1994 points in 25 big cities and provinces across the country _Full name : OUTHEAST ASIA COMMERCIAL JOINT STOCK BANK (SEABANK) Abbreviated name: SeABank PART : SOME CREDIT PRODUCT OF TWO BANKS Same product Diffirent product I The same product 01 Car loan 02 Consumption installment loan 03 Home loan 04 Loan secured by the mortgage 05 Unsecured overdraft II Diffirent products •Loan Support for high education •Lendings for teachers ( only SeAbank ) •T-day securities loan ( only BIDV ) Loan Support for high education SeAbank: Unsecured loan BIDV: Secured loan Lendings for teachers ( only SeAbank ) T-day securities loan ( only BIDV ) III Credit Card Definition : A credit card is a card issued by a financial company giving the holder an option to borrow funds, usually at point of sale Credit cards charge interest and are primarily used for short-term financing Interest usually begins one month after a purchase is made, and borrowing limits are pre-set according to the individual's credit rating Advantages Disadvantages Advantages :  Safe  Convenience  Security  Priviledges  Online Shopping  Manage expenditure easily Disadvantages Information risk Fee and interest IV QUESTION: Câu hỏi : Trong sản phẩm cho vay nhu cầu nhà ở của BIDV, hồ sơ vay vôn co yêu cầu phải nôp giây đăng ki kêt hôn hoăc giây xac nhân đôc thân Theo ban là tai sao? Trả lời  Tài sản thời kì kết hôn, đăc biệt là nhà đất, dù chỉ đứng tên người măc nhiên được coi là tài sản chung của vợ chồng Nếu người vay đã kết hôn, nghĩa là trách nhiệm trả nợ sẽ quy cho cả vợ chồng ( đồng trả nợ ) Trong trường hợp người vay đã kết hôn, muốn nhân việc trả nợ riêng cho mình, thì phải có văn bản pháp luât công chứng, xác định quyền và nghĩa vụ của mỗi bên, được sự chấp thuân của cả bên, chứng minh đó là tài sản mua riêng ( Ví dụ mua nhà tăng cho bố mẹ hoăc vợ chồng thời gian ly thân) Nếu người vay còn đôc thân thì việc trả nợ sẽ chỉ mình người đó chịu trách nhiệm 2 Trong khoản mục cho vay mua ô tô với khách hàng cá nhân, hô gia đình của BIDV, số tiền được vay tối đa có thể lên đến phần trăm giá trị xe mua? •50% •75% •25% 100% ... 1994 points in 25 big cities and provinces across the country _Full name : OUTHEAST ASIA COMMERCIAL JOINT STOCK BANK (SEABANK) Abbreviated name: SeABank PART : SOME CREDIT PRODUCT OF TWO BANKS. .. longest-established bank in Vietnam, as of 31 December 2015, BIDV had total assets of more than 850 VNDtrillion (~USD38.6 billion), making it the country’s largest commercial bank.   Full name: Joint Stock Commercial. .. a financial company giving the holder an option to borrow funds, usually at point of sale Credit cards charge interest and are primarily used for short-term financing Interest usually begins