INTRODUCE

Unsecured loan product with a fixed limit for customers with salary income and needing unsecured loans for personal consumption

EXCLUSIVE BENEFITS

  • Interest rate at 21%/year
  • Loan period of 02 years
  • Limit of VND 50 million

PRODUCT DETAILS

Who can apply
  • Vietnamese nationality from 18 to 60 years old
  • People residing in the area where Woori Bank branch is located or neighboring province/city
  • Labor contract of at least 01 year, working at the current organization for 6 months or more, participating in social insurance
  • Income from 5 million VND/month, receive monthly salary by bank transfer
  • Credit rating from 1 ~ 6 according to the credit rating model of Woori Bank
  • Customers are automatically approved on personal credit rating system
  • No bad debt at the time of loan
Loan interest rate

Fixed interest rate 21%/year

Discount up to 1.0%/year when:

  • Register and activate credit card before disbursement: 0.2% reduction/year
  • Have Happy Salary account: 0.2% reduction/year
  • Buy credit insurance: 0.3% reduction/year
  • Have term deposit products (minimum balance of VND 20 million with minimum deposit term of 12 months): 0.3% reduction/year
Loan period
24 months

PAYMENT METHODS

Payment by reducing balance
  • Principal amount: equally divided monthly
  • Interest amount: calculated according to actual outstanding balance

Eligible to pay off before due date

REQUIRED DOCUMENTS

  • ID card, household registration
  • Documents proving income: Labor contract; Work confirmation; Salary account statement
  • Documents related to the purpose of capital use: Purchase and sale contract; Receipt; Delivery records,…