LMAN C.

T PLAZA

GI H TR TI CHNH
DNH CHO KHCH HNG

Trnh by: Ms. H Th Thin Hng Ngy 02/07/2012

GI H TR TI CHNH DNH CHO KHCH HNG

Chng trnh G trng vng

H tr Khch hng vay mua cn h

Chnh sch dnh cho Nh u t chuyn nghip

1. CHNG TRNH G TRNG VNG

1. CHNG TRNH G TRNG VNG

1. Khch hng mua cn h t nay n 30/09/2012 v thanh ton trc so vi tin thanh ton quy nh trong Hp ng s c hng li sut

12.6%/nm

trn

gi tr thanh ton trc. 2. Khch hng tr trc 100% gi tr Hp ng c tng 01 b n pha l Swarovski tr gi trn 100

triu ng.

1. CHNG TRNH G TRNG VNG

3. V d : VT: 1.000 ng
Ni dung Tin thanh ton theo Hp ng Thanh ton thc t Tr trc hn Tin li c hng/ thng

Thanh ton t 1

900.000

1.500.000

600.000

6.300

Khch hng tr trc hn s tin 600 triu ng, vi mc li sut 12,6%/nm th tin li h tr cho Khch hng l 6,3 triu ng/thng.

1. CHNG TRNH G TRNG VNG

3. V d :
VT: 1.000 ng Ni dung Tin thanh ton theo Hp ng 900.000 1.000.000 Thanh ton thc t Tr trc hn Tin li c hng/ thng

Thanh ton t 1 Thanh ton t 2

1.500.000 800.000

600.000 400.000

6.300 4.200

Khch hng tr trc hn 600 triu ng vo t 1, tuy nhin t 2 khch hng tr thiu 200 triu so vi quy nh ca Hp ng nn ly k s tin tr trc ch cn 400 triu ng, do vy vi li sut 12,6%/nm th tin li h tr cho khch hng l 4,2 triu ng/thng.

1. CHNG TRNH G TRNG VNG

4. Li sut p dng: iu chnh 06 thng/ln v m bo cao hn li sut tin gi thng bo chnh thc ti Ngn hng Vietinbank. V d: Li sut 12,6%/nm m khch hng mua cn h c hng cao hn mc li sut 11%/nm cho k hn 12 thng ca Vietinbank cng b ngy 30/06/2012. K tr li l 03 thng/ln. p dng trong vng 02 (Hai) nm k t ngy k Hp ng.

(*) Ni dung chi tit c quy nh trong Ph lc Hp ng v l mt phn khng th tch ri ca Hp ng.

2. H TR KHCH HNG VAY MUA CN H

2. H TR KHCH HNG VAY MUA CN H

1
H tr khch hng vay mua nh vi cc Ngn hng lin kt: HSBC Vietnam Standard Chartered Vietnam Asia Commercial Bank (ACB) Military Bank (MB) Vietcombank (VCB) Cc Ngn hng khc

2. H TR KHCH HNG VAY MUA CN H

2
Li sut u i: Thp hn 0,5% - 1,5% so vi li sut th trng, u i li sut 0% trong 2 nm u V d: Khch hng vay 8 t ng trong 10 nm, li sut ti thi im k Hp ng vay l 16%/nm. Gi s theo lch tr n 2 nm u Khch hng phi tr 1,8 t ng n gc v 2,4 t ng li vay th C.T Group s h tr Khch hng ton b khon li vay 2,4 t ng ny, tc Khch hng c hng mc li sut 0% trong 2 nm u. Gi tr vay ti a 80%/cn h Thi gian cho vay linh hot t 10 15 20 25 nm

2. H TR KHCH HNG VAY MUA CN H

3
Min ph tr trc hn : 1% x Gi tr cn li x Thi gian tr trc
V d : Khch hng vay 8 t ng mua cn h trong thi gian 10 nm. n nm th 4, khch hng tr c 3 t ng n gc v mun tr trc ton b n gc cn li, thng thng Ngn hng s tnh ph tr trc vi Khch hng nh sau: 1% x 5 t ng gi tr cn li x 4 nm tr trc = 200 triu ng Nh u t mua cn h Lman s c C.T Group h tr ton b 200 triu ng ph tr trc hn.

2. H TR KHCH HNG VAY MUA CN H

1. Khch hng k Hp ng mua cn h (*)

2. Cung cp H s c nhn

S hu cn h

3. Ti sn m bo bng chnh cn h mua hoc bng bt ng sn khc

(*) Mu Hp ng theo Quy nh ti Ngh nh 99/2011/N-CP ca TTCP ban hnh ngy 27/10/2011 v ng k c quyn vi Cc Qun l Cnh tranh

2. H TR KHCH HNG VAY MUA CN H

2.1.1

Bn sao H khu

Bn sao Chng minh Nhn dn

2.1.2

2.1. H s c nhn: H s php l

2.1.3

Giy xc nhn tnh trng hn nhn

2. H TR KHCH HNG VAY MUA CN H

2.2.1 Khch hng khng phi l Cn b vin chc

H s chng minh thu nhp

2.2. H s c nhn: xc minh thu nhp

2.2.2 Khch hng l Cn b vin chc

- Hp ng lao ng - Sao k thanh ton lng - Ti liu chng minh c thu nhp khc ngoi lng

3.CHNH SCH CHO NH U T CHUYN NGHIP

Bo him gi tr u t

3.CHNH SCH CHO NH U T CHUYN NGHIP

Nh u t k Hp ng Bo him vi mc ph 0,5% gi tr u t (*)

V d : Mc u t 8 t ng x 0,5% = 40 triu ng
(*) Nh u t ng k theo Form quy nh trc khi chnh thc k Hp ng

3.CHNH SCH CHO NH U T CHUYN NGHIP

Trong thi hn hiu lc ca Hp ng Bo him v thanh ton ph, Nh u t c m bo khng b l. Nu gi c bin ng c th lm Nh u t b l th C.T Group s mua li sn phm theo gi ban u khi k Hp ng v khng km iu kin no khc.

3.CHNH SCH CHO NH U T CHUYN NGHIP

V d: Nu sau khi thanh ton c 6 t ng theo tin Hp ng m Nh u t nhn thy gi cn h trn th trng gim thp hn 8 t ng th C.T Group s mua li vi gi gc khi k Hp ng, tc C.T Group s hon tr li s tin 6 t ng Nh u t thanh ton, khng bao gm khon ph bo him.

Nh u t mua cn h Lman vi gi tr c tnh 8 t ng. Nh u t k Hp ng bo him v thanh ton ph bo him 40 triu ng.

Thank you