Tính Thu Nhập Tháng Truớc Tháng Sau

8,500,000 8,500,000
500,000 500,000
1,000,000 1,000,000
Các Khoản 500,000 2,250,000

Tổng Từng Tháng 10,500,000 12,250,000

Chênh Lệch (1,750,000) 1,750,000
% CL -14% 17%
< 15% 11,375,000 11,375,000
> 15% 11,812,500 10,937,500
Chon Cột % chênh lệch Dương (+)

Cách tính Thu nhập Thực lãnh Trước Thuế

Trước Thuế 10,000,000 11,050,000
 Bảng tính phí
http://zvnfvmwsuat.prudential.com.vn/default.aspx

BẢNG T
LÃI SUẤT GiẢM DẤN BAN ĐẦU
Loan amount 100,000,000 100,000,000
Tenure 36 36
Rate 24.00% 1.15%
EMI 3,923,285 3,923,285
Interest ( Lãi ) 2,000,000 1,145,507
Principle paid ( Gốc ) 1,923,285 2,777,778

Programs Preselected Non-Pre

> = 12 M 27.50%
6 M - < 12 M 32.00%
LP

38.00%
5M-<6M 35.50%
3M-<5M 38.00%
Segment A >= 12 triệu - PS ) B-C-D ( Non - PS )
IPSP

Pru 27.00% 32.00%

Non-Pru 27.50% 34.50%
Ngân Hàng NH Nước Ngoài NH Trong Nước
> = 12 M 29.50%
CCSP

6 M - < 12 M 29.50% 31.50%

5M-<6M 33.50%
>= 20 M 23.00%
Prime

> = 15 - < 20 M 25.50%

> = 12 M 27.50%
MELP

Page 1
 Bảng tính phí
MELP 6 M - < 12 M 32.00%
5M-<6M 35.50%
3M-<5M 38.00%
> = 12 M 27.50%
6 M - < 12 M 32.00%
TLP

5M-<6M 35.50%
3M-<5M 38.00%

Page 2
 Bảng tính phí

BẢNG TÍNH PHÍ

THU NHẬP GỘP 9,100,000
LƯƠNG CỐ ĐỊNH 9,100,000
KHÔNG CỐ ĐỊNH
NỢ KHÁC/THÁNG
DBR 43.11%
PTI 47.86%
EMI x TENURE 141,238,269

Mã trung tâm STC / DBP / SCETPA / DTH / M-STAR

Mã nguồn DSAL / Prime
Mã sản phẩm SALPIL - INSPIL - CCSP
Mã khuyến mãi PLO4COM1( P/S ) / NONPRUO1 / DTHO4NEW / NOBKACC2 / MELP / TLP

OPSOP ( Điện thọai không dây ) / OPSCT ( Công ty TNHH )

KH Tự Doanh không GPKD + Không MST : Mặc Định MST = IBL0000000 ( 7 số không/Devia
KH Tự Doanh có GPKD + Không MST : Mặc Định MST = ISE0000000 ( 7 số không/Deviati
Định kỳ đóng phí Mỗi kỳ Định kỳ Phí năm
Phí Tháng 400,000 12 4,800,000
Phí Quý 783,000 4 3,132,000
Phí 1/2 năm 15,000,000 2 30,000,000
Phí 1 năm 10,246,000 1 10,246,000

Sản Phẩm Phân Khúc Loại Hình Cty Thu Nhập

CELP Không Áp Dụng Tất Cả Tất Cả
Không Áp Dụng Tất Cả >= 6 MM
IPSP

Page 3
 Bảng tính phí
IPSP
Không Áp Dụng Tất Cả < 6 MM
Cty PS Cty Nước Ngoài >= 6 MM
Cty PS Không Thuộc Nước Ngoài >= 6 MM
Salaried
Cty PS Tất Cả < 6 MM
Cty Non - PS Tất Cả Tất Cả
CCSP Tất Cả Tất Cả

Page 4
 Bảng tính phí

Khoản vay 10 triệ

Giảm Dần Ban Đầu 12 Tháng
CHÚ Ý 23.00% 1.09% 940,763

25.50% 1.22% 952,870

27.00% 1.27% 960,174

chỉ nhập số liệu vào ô màu 27.50% 1.29% 962,615

xanh nhạt 29.50% 1.39% 972,413

31.50% 1.49% 982,264

32.00% 1.51% 984,735

DTH / M-STAR 33.50% 1.59% 992,168

me 34.50% 1.66% 997,139

- CCSP 35.50% 1.71% 1,002,124

NEW / NOBKACC2 / MELP / TLP 38.00% 1.84% 1,014,642

Công ty TNHH )
L0000000 ( 7 số không/Deviation )
000000 ( 7 số không/Deviation )
Tổng thu nhập Thu nhập gộp
8,320,000 8,320,000
6,818,800 6,818,800
31,000,000 15,000,000
13,221,400 13,221,400

PTI DBR MUE ( Gấp Mấy Lần )

40% 50% 11
30% 40% 9

Page 5
 Bảng tính phí

25% 40% 6
35% 50% 10
35% 40% 10
25% 40% 6
25% 40% 6
30% 45% 9

Page 6
 Bảng tính phí

vay 10 triệu
24 Tháng 36 Tháng 48 Tháng
523,733 387,097 320,515

536,227 400,247 334,366

543,802 408,252 342,823

546,340 410,939 345,666

556,558 421,782 357,158

566,878 432,773 368,836

569,475 435,544 371,785

577,302 443,911 380,698

582,552 449,535 386,697

587,827 455,195 392,740

601,126 469,500 408,038

Page 7
 Chi Tiet tháng

BẢNG TÍNH CH
Effective rate: Lai suat tinh tren du no giam dan
Flat rate: Lai suat tinh tren du no goc
REPAYMENT SCHEDULE (EFFECTIVE RATE)

Loan amount (VND) 100,000,000

Tenor 36
Effective interest rate (yearly) 24.00%
Effective interest rate (monthly) 2.00%
Corresponding flat interest rate (monthly) 1.15%

DƯ NỢ GiẢM DẤN
Kỳ thanh
Phải trả Lãi Nợ gốc Dư nợ
toán
Principal Remaining
EMI Interest payment
Tenor repayment balance
1 3,923,285 2,000,000 1,923,285 98,076,715
2 3,923,285 1,961,534 1,961,751 96,114,964
3 3,923,285 1,922,299 2,000,986 94,113,978
4 3,923,285 1,882,280 2,041,006 92,072,972
5 3,923,285 1,841,459 2,081,826 89,991,146
6 3,923,285 1,799,823 2,123,462 87,867,684
7 3,923,285 1,757,354 2,165,932 85,701,752
8 3,923,285 1,714,035 2,209,250 83,492,502
9 3,923,285 1,669,850 2,253,435 81,239,067
10 3,923,285 1,624,781 2,298,504 78,940,563
11 3,923,285 1,578,811 2,344,474 76,596,089
12 3,923,285 1,531,922 2,391,363 74,204,726
13 3,923,285 1,484,095 2,439,191 71,765,535
14 3,923,285 1,435,311 2,487,975 69,277,560
15 3,923,285 1,385,551 2,537,734 66,739,826
16 3,923,285 1,334,797 2,588,489 64,151,337
17 3,923,285 1,283,027 2,640,259 61,511,079
18 3,923,285 1,230,222 2,693,064 58,818,015
19 3,923,285 1,176,360 2,746,925 56,071,090
20 3,923,285 1,121,422 2,801,863 53,269,227
21 3,923,285 1,065,385 2,857,901 50,411,326
22 3,923,285 1,008,227 2,915,059 47,496,267
Page 8
 Chi Tiet tháng
23 3,923,285 949,925 2,973,360 44,522,907
24 3,923,285 890,458 3,032,827 41,490,080
25 3,923,285 829,802 3,093,484 38,396,597
26 3,923,285 767,932 3,155,353 35,241,243
27 3,923,285 704,825 3,218,460 32,022,783
28 3,923,285 640,456 3,282,830 28,739,953
29 3,923,285 574,799 3,348,486 25,391,467
30 3,923,285 507,829 3,415,456 21,976,011
31 3,923,285 439,520 3,483,765 18,492,246
32 3,923,285 369,845 3,553,440 14,938,806
33 3,923,285 298,776 3,624,509 11,314,297
34 3,923,285 226,286 3,696,999 7,617,297
35 3,923,285 152,346 3,770,939 3,846,358
36 3,923,285 76,927 3,846,358 -
37 3,923,285 - 3,923,285 (3,923,285)
38 3,923,285 (78,466) 4,001,751 (7,925,036)
39 3,923,285 (158,501) 4,081,786 (12,006,822)
40 3,923,285 (240,136) 4,163,422 (16,170,244)
41 3,923,285 (323,405) 4,246,690 (20,416,934)
42 3,923,285 (408,339) 4,331,624 (24,748,558)
43 3,923,285 (494,971) 4,418,256 (29,166,814)
44 3,923,285 (583,336) 4,506,622 (33,673,436)
45 3,923,285 (673,469) 4,596,754 (38,270,190)
46 3,923,285 (765,404) 4,688,689 (42,958,879)
47 3,923,285 (859,178) 4,782,463 (47,741,342)
48 3,923,285 (954,827) 4,878,112 (52,619,454)

Page 9
 Chi Tiet tháng

TÍNH CHI TIẾT

Effective rate: Lai suat tinh tren du no giam dan
Flat rate: Lai suat tinh tren du no goc
REPAYMENT SCHEDULE (FLAT RATE)

Loan amount (VND) 100,000,000

Tenor 36
Flat interest rate (yearly) 13.75%
Flat interest rate (monthly) 1.15%

DƯ NỢ BAN ĐẦU
Kỳ thanh
Phải trả Lãi Nợ gốc Dư nợ
toán
Interest Principal Remaining
EMI
Tenor payment repayment balance
1 3,923,285 1,145,507 2,777,778 97,222,222
2 3,923,285 1,145,507 2,777,778 94,444,444
3 3,923,285 1,145,507 2,777,778 91,666,667
4 3,923,285 1,145,507 2,777,778 88,888,889
5 3,923,285 1,145,507 2,777,778 86,111,111
6 3,923,285 1,145,507 2,777,778 83,333,333
7 3,923,285 1,145,507 2,777,778 80,555,556
8 3,923,285 1,145,507 2,777,778 77,777,778
9 3,923,285 1,145,507 2,777,778 75,000,000
10 3,923,285 1,145,507 2,777,778 72,222,222
11 3,923,285 1,145,507 2,777,778 69,444,444
12 3,923,285 1,145,507 2,777,778 66,666,667
13 3,923,285 1,145,507 2,777,778 63,888,889
14 3,923,285 1,145,507 2,777,778 61,111,111
15 3,923,285 1,145,507 2,777,778 58,333,333
16 3,923,285 1,145,507 2,777,778 55,555,556
17 3,923,285 1,145,507 2,777,778 52,777,778
18 3,923,285 1,145,507 2,777,778 50,000,000
19 3,923,285 1,145,507 2,777,778 47,222,222
20 3,923,285 1,145,507 2,777,778 44,444,444
21 3,923,285 1,145,507 2,777,778 41,666,667
22 3,923,285 1,145,507 2,777,778 38,888,889
Page 10
 Chi Tiet tháng
23 3,923,285 1,145,507 2,777,778 36,111,111
24 3,923,285 1,145,507 2,777,778 33,333,333
25 3,923,285 1,145,507 2,777,778 30,555,556
26 3,923,285 1,145,507 2,777,778 27,777,778
27 3,923,285 1,145,507 2,777,778 25,000,000
28 3,923,285 1,145,507 2,777,778 22,222,222
29 3,923,285 1,145,507 2,777,778 19,444,444
30 3,923,285 1,145,507 2,777,778 16,666,667
31 3,923,285 1,145,507 2,777,778 13,888,889
32 3,923,285 1,145,507 2,777,778 11,111,111
33 3,923,285 1,145,507 2,777,778 8,333,333
34 3,923,285 1,145,507 2,777,778 5,555,556
35 3,923,285 1,145,507 2,777,778 2,777,778
36 3,923,285 1,145,507 2,777,778 0
37 3,923,285 1,145,507 2,777,778 (2,777,778)
38 3,923,285 1,145,507 2,777,778 (5,555,556)
39 3,923,285 1,145,507 2,777,778 (8,333,333)
40 3,923,285 1,145,507 2,777,778 (11,111,111)
41 3,923,285 1,145,507 2,777,778 (13,888,889)
42 3,923,285 1,145,507 2,777,778 (16,666,667)
43 3,923,285 1,145,507 2,777,778 (19,444,444)
44 3,923,285 1,145,507 2,777,778 (22,222,222)
45 3,923,285 1,145,507 2,777,778 (25,000,000)
46 3,923,285 1,145,507 2,777,778 (27,777,778)
47 3,923,285 1,145,507 2,777,778 (30,555,556)
48 3,923,285 1,145,507 2,777,778 (33,333,333)

Page 11
 BẢNG TÍNH CHI TIẾT
Effective rate: Lai suat tinh tren du no giam dan
Flat rate: Lai suat tinh tren du no goc
REPAYMENT SCHEDULE (EFFECTIVE RATE)

Loan amount (VND) 100,000,000

Tenor 36
Effective interest rate (yearly) 24.00%
Effective interest rate (monthly) 2.00%
Corresponding flat interest rate (monthly) 1.15%

DƯ NỢ GiẢM DẤN
Kỳ thanh
Phải trả Lãi Nợ gốc Dư nợ
toán
Principal Remaining
EMI Interest payment
Tenor repayment balance
1 4,777,778 2,000,000 2,777,778 97,222,222
2 4,722,222 1,944,444 2,777,778 94,444,444
3 4,666,667 1,888,889 2,777,778 91,666,667
4 4,611,111 1,833,333 2,777,778 88,888,889
5 4,555,556 1,777,778 2,777,778 86,111,111
6 4,500,000 1,722,222 2,777,778 83,333,333
7 4,444,444 1,666,667 2,777,778 80,555,556
8 4,388,889 1,611,111 2,777,778 77,777,778
9 4,333,333 1,555,556 2,777,778 75,000,000
10 4,277,778 1,500,000 2,777,778 72,222,222
11 4,222,222 1,444,444 2,777,778 69,444,444
12 4,166,667 1,388,889 2,777,778 66,666,667
13 4,111,111 1,333,333 2,777,778 63,888,889
14 4,055,556 1,277,778 2,777,778 61,111,111
15 4,000,000 1,222,222 2,777,778 58,333,333
16 3,944,444 1,166,667 2,777,778 55,555,556
17 3,888,889 1,111,111 2,777,778 52,777,778
18 3,833,333 1,055,556 2,777,778 50,000,000
19 3,777,778 1,000,000 2,777,778 47,222,222
20 3,722,222 944,444 2,777,778 44,444,444
21 3,666,667 888,889 2,777,778 41,666,667
22 3,611,111 833,333 2,777,778 38,888,889
23 3,555,556 777,778 2,777,778 36,111,111
24 3,500,000 722,222 2,777,778 33,333,333
25 3,444,444 666,667 2,777,778 30,555,556
26 3,388,889 611,111 2,777,778 27,777,778
27 3,333,333 555,556 2,777,778 25,000,000
28 3,277,778 500,000 2,777,778 22,222,222
29 3,222,222 444,444 2,777,778 19,444,444
30 3,166,667 388,889 2,777,778 16,666,667
31 3,111,111 333,333 2,777,778 13,888,889
32 3,055,556 277,778 2,777,778 11,111,111
33 3,000,000 222,222 2,777,778 8,333,333
34 2,944,444 166,667 2,777,778 5,555,556
35 2,888,889 111,111 2,777,778 2,777,778
36 2,833,333 55,556 2,777,778 0
37 2,777,778 0 2,777,778 (2,777,778)
38 2,722,222 (55,556) 2,777,778 (5,555,556)
39 2,666,667 (111,111) 2,777,778 (8,333,333)
40 2,611,111 (166,667) 2,777,778 (11,111,111)
41 2,555,556 (222,222) 2,777,778 (13,888,889)
42 2,500,000 (277,778) 2,777,778 (16,666,667)
43 2,444,444 (333,333) 2,777,778 (19,444,444)
44 2,388,889 (388,889) 2,777,778 (22,222,222)
45 2,333,333 (444,444) 2,777,778 (25,000,000)
46 2,277,778 (500,000) 2,777,778 (27,777,778)
47 2,222,222 (555,556) 2,777,778 (30,555,556)
48 2,166,667 (611,111) 2,777,778 (33,333,333)
HI TIẾT NGÂN HÀNG
Effective rate: Lai suat tinh tren du no giam dan
Flat rate: Lai suat tinh tren du no goc
REPAYMENT SCHEDULE (FLAT RATE)

Loan amount (VND) 100,000,000

Tenor 36
Flat interest rate (yearly) 13.75%
Flat interest rate (monthly) 1.15%

DƯ NỢ BAN ĐẦU
Kỳ thanh
Phải trả Lãi Nợ gốc Dư nợ
toán
Interest Principal Remaining
EMI
Tenor payment repayment balance
1 3,923,285 1,145,507 2,777,778 97,222,222
2 3,923,285 1,145,507 2,777,778 94,444,444
3 3,923,285 1,145,507 2,777,778 91,666,667
4 3,923,285 1,145,507 2,777,778 88,888,889
5 3,923,285 1,145,507 2,777,778 86,111,111
6 3,923,285 1,145,507 2,777,778 83,333,333
7 3,923,285 1,145,507 2,777,778 80,555,556
8 3,923,285 1,145,507 2,777,778 77,777,778
9 3,923,285 1,145,507 2,777,778 75,000,000
10 3,923,285 1,145,507 2,777,778 72,222,222
11 3,923,285 1,145,507 2,777,778 69,444,444
12 3,923,285 1,145,507 2,777,778 66,666,667
13 3,923,285 1,145,507 2,777,778 63,888,889
14 3,923,285 1,145,507 2,777,778 61,111,111
15 3,923,285 1,145,507 2,777,778 58,333,333
16 3,923,285 1,145,507 2,777,778 55,555,556
17 3,923,285 1,145,507 2,777,778 52,777,778
18 3,923,285 1,145,507 2,777,778 50,000,000
19 3,923,285 1,145,507 2,777,778 47,222,222
20 3,923,285 1,145,507 2,777,778 44,444,444
21 3,923,285 1,145,507 2,777,778 41,666,667
22 3,923,285 1,145,507 2,777,778 38,888,889
23 3,923,285 1,145,507 2,777,778 36,111,111
24 3,923,285 1,145,507 2,777,778 33,333,333
25 3,923,285 1,145,507 2,777,778 30,555,556
26 3,923,285 1,145,507 2,777,778 27,777,778
27 3,923,285 1,145,507 2,777,778 25,000,000
28 3,923,285 1,145,507 2,777,778 22,222,222
29 3,923,285 1,145,507 2,777,778 19,444,444
30 3,923,285 1,145,507 2,777,778 16,666,667
31 3,923,285 1,145,507 2,777,778 13,888,889
32 3,923,285 1,145,507 2,777,778 11,111,111
33 3,923,285 1,145,507 2,777,778 8,333,333
34 3,923,285 1,145,507 2,777,778 5,555,556
35 3,923,285 1,145,507 2,777,778 2,777,778
36 3,923,285 1,145,507 2,777,778 0
37 3,923,285 1,145,507 2,777,778 (2,777,778)
38 3,923,285 1,145,507 2,777,778 (5,555,556)
39 3,923,285 1,145,507 2,777,778 (8,333,333)
40 3,923,285 1,145,507 2,777,778 (11,111,111)
41 3,923,285 1,145,507 2,777,778 (13,888,889)
42 3,923,285 1,145,507 2,777,778 (16,666,667)
43 3,923,285 1,145,507 2,777,778 (19,444,444)
44 3,923,285 1,145,507 2,777,778 (22,222,222)
45 3,923,285 1,145,507 2,777,778 (25,000,000)
46 3,923,285 1,145,507 2,777,778 (27,777,778)
47 3,923,285 1,145,507 2,777,778 (30,555,556)
48 3,923,285 1,145,507 2,777,778 (33,333,333)
 Bảng Minh Họa Lãi Suất
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 982,264 566,878 432,773 368,836
20,000,000 1,964,529 1,133,757 865,546 737,673
30,000,000 2,946,793 1,700,635 1,298,319 1,106,509
40,000,000 3,929,058 2,267,514 1,731,093 1,475,345
50,000,000 4,911,322 2,834,392 2,163,866 1,844,181
60,000,000 5,893,586 3,401,270 2,596,639 2,213,018
70,000,000 6,875,851 3,968,149 3,029,412 2,581,854
80,000,000 7,858,115 4,535,027 3,462,185 2,950,690
90,000,000 8,840,380 5,101,906 3,894,958 3,319,527
31.50% 100,000,000 9,822,644 5,668,784 4,327,732 3,688,363
110,000,000 10,804,908 6,235,662 4,760,505 4,057,199
120,000,000 11,787,173 6,802,541 5,193,278 4,426,035
130,000,000 12,769,437 7,369,419 5,626,051 4,794,872
140,000,000 13,751,702 7,936,298 6,058,824 5,163,708
150,000,000 14,733,966 8,503,176 6,491,597 5,532,544
160,000,000 15,716,230 9,070,054 6,924,371 5,901,381
170,000,000 16,698,495 9,636,933 7,357,144 6,270,217
180,000,000 17,680,759 10,203,811 7,789,917 6,639,053
190,000,000 18,663,024 10,770,689 8,222,690 7,007,889
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 940,763 523,733 387,097 320,515 10,000,000 984,735 569,475 435,544 371,785
20,000,000 1,881,526 1,047,466 774,194 641,029 20,000,000 1,969,471 1,138,949 871,088 743,569
30,000,000 2,822,290 1,571,199 1,161,292 961,544 30,000,000 2,954,206 1,708,424 1,306,632 1,115,354
40,000,000 3,763,053 2,094,932 1,548,389 1,282,059 40,000,000 3,938,941 2,277,899 1,742,176 1,487,139
50,000,000 4,703,816 2,618,665 1,935,486 1,602,574 50,000,000 4,923,677 2,847,373 2,177,720 1,858,924
60,000,000 5,644,579 3,142,398 2,322,583 1,923,088 60,000,000 5,908,412 3,416,848 2,613,264 2,230,708
70,000,000 6,585,342 3,666,131 2,709,681 2,243,603 70,000,000 6,893,147 3,986,322 3,048,808 2,602,493
80,000,000 7,526,106 4,189,864 3,096,778 2,564,118 80,000,000 7,877,883 4,555,797 3,484,352 2,974,278
90,000,000 8,466,869 4,713,598 3,483,875 2,884,632 90,000,000 8,862,618 5,125,272 3,919,896 3,346,063
23.00% 100,000,000 9,407,632 5,237,331 3,870,972 3,205,147 32.00% 100,000,000 9,847,354 5,694,746 4,355,440 3,717,847
110,000,000 10,348,395 5,761,064 4,258,069 3,525,662 110,000,000 10,832,089 6,264,221 4,790,984 4,089,632
120,000,000 11,289,159 6,284,797 4,645,167 3,846,177 120,000,000 11,816,824 6,833,696 5,226,528 4,461,417
130,000,000 12,229,922 6,808,530 5,032,264 4,166,691 130,000,000 12,801,560 7,403,170 5,662,072 4,833,202
140,000,000 13,170,685 7,332,263 5,419,361 4,487,206 140,000,000 13,786,295 7,972,645 6,097,616 5,204,986
150,000,000 14,111,448 7,855,996 5,806,458 4,807,721 150,000,000 14,771,030 8,542,120 6,533,160 5,576,771
160,000,000 15,052,211 8,379,729 6,193,555 5,128,235 160,000,000 15,755,766 9,111,594 6,968,704 5,948,556
170,000,000 15,992,975 8,903,462 6,580,653 5,448,750 170,000,000 16,740,501 9,681,069 7,404,249 6,320,341
180,000,000 16,933,738 9,427,195 6,967,750 5,769,265 180,000,000 17,725,236 10,250,544 7,839,793 6,692,125
 190,000,000 17,874,501 9,950,928 7,354,847 6,089,780 190,000,000 18,709,972 10,820,018 8,275,337 7,063,910
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 952,870 536,227 400,247 334,366 10,000,000 992,168 577,302 443,911 380,698
20,000,000 1,905,740 1,072,454 800,495 668,732 20,000,000 1,984,336 1,154,604 887,823 761,397
30,000,000 2,858,610 1,608,681 1,200,742 1,003,098 30,000,000 2,976,504 1,731,905 1,331,734 1,142,095
40,000,000 3,811,480 2,144,909 1,600,990 1,337,464 40,000,000 3,968,672 2,309,207 1,775,646 1,522,793
50,000,000 4,764,350 2,681,136 2,001,237 1,671,830 50,000,000 4,960,839 2,886,509 2,219,557 1,903,491
60,000,000 5,717,220 3,217,363 2,401,485 2,006,197 60,000,000 5,953,007 3,463,811 2,663,469 2,284,190
70,000,000 6,670,090 3,753,590 2,801,732 2,340,563 70,000,000 6,945,175 4,041,112 3,107,380 2,664,888
80,000,000 7,622,960 4,289,817 3,201,980 2,674,929 80,000,000 7,937,343 4,618,414 3,551,292 3,045,586
90,000,000 8,575,830 4,826,044 3,602,227 3,009,295 90,000,000 8,929,511 5,195,716 3,995,203 3,426,285
25.50% 100,000,000 9,528,701 5,362,272 4,002,475 3,343,661 33.50% 100,000,000 9,921,679 5,773,018 4,439,114 3,806,983
110,000,000 10,481,571 5,898,499 4,402,722 3,678,027 110,000,000 10,913,847 6,350,319 4,883,026 4,187,681
120,000,000 11,434,441 6,434,726 4,802,970 4,012,393 120,000,000 11,906,015 6,927,621 5,326,937 4,568,380
130,000,000 12,387,311 6,970,953 5,203,217 4,346,759 130,000,000 12,898,183 7,504,923 5,770,849 4,949,078
140,000,000 13,340,181 7,507,180 5,603,465 4,681,125 140,000,000 13,890,350 8,082,225 6,214,760 5,329,776
150,000,000 14,293,051 8,043,407 6,003,712 5,015,491 150,000,000 14,882,518 8,659,526 6,658,672 5,710,474
160,000,000 15,245,921 8,579,635 6,403,960 5,349,858 160,000,000 15,874,686 9,236,828 7,102,583 6,091,173
170,000,000 16,198,791 9,115,862 6,804,207 5,684,224 170,000,000 16,866,854 9,814,130 7,546,495 6,471,871
180,000,000 17,151,661 9,652,089 7,204,454 6,018,590 180,000,000 17,859,022 10,391,432 7,990,406 6,852,569
190,000,000 18,104,531 10,188,316 7,604,702 6,352,956 190,000,000 18,851,190 10,968,733 8,434,317 7,233,268
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 960,174 543,802 408,252 342,823 10,000,000 997,139 582,552 449,535 386,697
20,000,000 1,920,348 1,087,605 816,504 685,647 20,000,000 1,994,279 1,165,103 899,070 773,394
30,000,000 2,880,522 1,631,407 1,224,756 1,028,470 30,000,000 2,991,418 1,747,655 1,348,605 1,160,091
40,000,000 3,840,696 2,175,209 1,633,009 1,371,293 40,000,000 3,988,557 2,330,207 1,798,140 1,546,787
50,000,000 4,800,870 2,719,011 2,041,261 1,714,116 50,000,000 4,985,696 2,912,758 2,247,675 1,933,484
60,000,000 5,761,044 3,262,814 2,449,513 2,056,940 60,000,000 5,982,836 3,495,310 2,697,210 2,320,181
70,000,000 6,721,218 3,806,616 2,857,765 2,399,763 70,000,000 6,979,975 4,077,862 3,146,746 2,706,878
80,000,000 7,681,392 4,350,418 3,266,017 2,742,586 80,000,000 7,977,114 4,660,414 3,596,281 3,093,575
90,000,000 8,641,566 4,894,221 3,674,269 3,085,410 90,000,000 8,974,253 5,242,965 4,045,816 3,480,272
27.00% 100,000,000 9,601,740 5,438,023 4,082,522 3,428,233 34.50% 100,000,000 9,971,393 5,825,517 4,495,351 3,866,969
110,000,000 10,561,914 5,981,825 4,490,774 3,771,056 110,000,000 10,968,532 6,408,069 4,944,886 4,253,665
120,000,000 11,522,088 6,525,627 4,899,026 4,113,879 120,000,000 11,965,671 6,990,620 5,394,421 4,640,362
130,000,000 12,482,262 7,069,430 5,307,278 4,456,703 130,000,000 12,962,811 7,573,172 5,843,956 5,027,059
140,000,000 13,442,436 7,613,232 5,715,530 4,799,526 140,000,000 13,959,950 8,155,724 6,293,491 5,413,756
150,000,000 14,402,610 8,157,034 6,123,782 5,142,349 150,000,000 14,957,089 8,738,275 6,743,026 5,800,453
160,000,000 15,362,784 8,700,837 6,532,034 5,485,172 160,000,000 15,954,228 9,320,827 7,192,561 6,187,150
170,000,000 16,322,958 9,244,639 6,940,287 5,827,996 170,000,000 16,951,368 9,903,379 7,642,096 6,573,847
180,000,000 17,283,132 9,788,441 7,348,539 6,170,819 180,000,000 17,948,507 10,485,930 8,091,631 6,960,544
 190,000,000 18,243,306 10,332,243 7,756,791 6,513,642 190,000,000 18,945,646 11,068,482 8,541,167 7,347,240
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 962,615 546,340 410,939 345,666 10,000,000 1,002,124 587,827 455,195 392,740
20,000,000 1,925,231 1,092,681 821,879 691,333 20,000,000 2,004,247 1,175,654 910,389 785,480
30,000,000 2,887,846 1,639,021 1,232,818 1,036,999 30,000,000 3,006,371 1,763,481 1,365,584 1,178,219
40,000,000 3,850,461 2,185,362 1,643,757 1,382,666 40,000,000 4,008,495 2,351,308 1,820,779 1,570,959
50,000,000 4,813,076 2,731,702 2,054,697 1,728,332 50,000,000 5,010,619 2,939,135 2,275,974 1,963,699
60,000,000 5,775,692 3,278,042 2,465,636 2,073,998 60,000,000 6,012,742 3,526,962 2,731,168 2,356,439
70,000,000 6,738,307 3,824,383 2,876,575 2,419,665 70,000,000 7,014,866 4,114,789 3,186,363 2,749,179
80,000,000 7,700,922 4,370,723 3,287,514 2,765,331 80,000,000 8,016,990 4,702,616 3,641,558 3,141,918
90,000,000 8,663,538 4,917,063 3,698,454 3,110,998 90,000,000 9,019,114 5,290,443 4,096,752 3,534,658
27.50% 100,000,000 9,626,153 5,463,404 4,109,393 3,456,664 35.50% 100,000,000 10,021,237 5,878,270 4,551,947 3,927,398
110,000,000 10,588,768 6,009,744 4,520,332 3,802,330 110,000,000 11,023,361 6,466,097 5,007,142 4,320,138
120,000,000 11,551,384 6,556,085 4,931,272 4,147,997 120,000,000 12,025,485 7,053,924 5,462,337 4,712,878
130,000,000 12,513,999 7,102,425 5,342,211 4,493,663 130,000,000 13,027,609 7,641,751 5,917,531 5,105,617
140,000,000 13,476,614 7,648,765 5,753,150 4,839,330 140,000,000 14,029,732 8,229,578 6,372,726 5,498,357
150,000,000 14,439,229 8,195,106 6,164,090 5,184,996 150,000,000 15,031,856 8,817,405 6,827,921 5,891,097
160,000,000 15,401,845 8,741,446 6,575,029 5,530,662 160,000,000 16,033,980 9,405,232 7,283,115 6,283,837
170,000,000 16,364,460 9,287,786 6,985,968 5,876,329 170,000,000 17,036,103 9,993,059 7,738,310 6,676,576
180,000,000 17,327,075 9,834,127 7,396,907 6,221,995 180,000,000 18,038,227 10,580,886 8,193,505 7,069,316
190,000,000 18,289,691 10,380,467 7,807,847 6,567,662 190,000,000 19,040,351 11,168,713 8,648,699 7,462,056
Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng Lãi Suất Số Tiền Vay 12 tháng 24 tháng 36 tháng 48 tháng
10,000,000 972,413 556,558 421,782 357,158 10,000,000 1,014,642 601,126 469,500 408,038
20,000,000 1,944,827 1,113,115 843,564 714,315 20,000,000 2,029,284 1,202,251 938,999 816,076
30,000,000 2,917,240 1,669,673 1,265,345 1,071,473 30,000,000 3,043,926 1,803,377 1,408,499 1,224,114
40,000,000 3,889,654 2,226,231 1,687,127 1,428,631 40,000,000 4,058,568 2,404,503 1,877,998 1,632,151
50,000,000 4,862,067 2,782,788 2,108,909 1,785,789 50,000,000 5,073,209 3,005,628 2,347,498 2,040,189
60,000,000 5,834,481 3,339,346 2,530,691 2,142,946 60,000,000 6,087,851 3,606,754 2,816,997 2,448,227
70,000,000 6,806,894 3,895,904 2,952,473 2,500,104 70,000,000 7,102,493 4,207,880 3,286,497 2,856,265
80,000,000 7,779,308 4,452,462 3,374,254 2,857,262 80,000,000 8,117,135 4,809,006 3,755,996 3,264,303
90,000,000 8,751,721 5,009,019 3,796,036 3,214,419 90,000,000 9,131,777 5,410,131 4,225,496 3,672,341
29.50% 100,000,000 9,724,135 5,565,577 4,217,818 3,571,577 38.00% 100,000,000 10,146,419 6,011,257 4,694,996 4,080,379
110,000,000 10,696,548 6,122,135 4,639,600 3,928,735 110,000,000 11,161,061 6,612,383 5,164,495 4,488,417
120,000,000 11,668,962 6,678,692 5,061,382 4,285,892 120,000,000 12,175,703 7,213,508 5,633,995 4,896,454
130,000,000 12,641,375 7,235,250 5,483,164 4,643,050 130,000,000 13,190,344 7,814,634 6,103,494 5,304,492
140,000,000 13,613,789 7,791,808 5,904,945 5,000,208 140,000,000 14,204,986 8,415,760 6,572,994 5,712,530
150,000,000 14,586,202 8,348,365 6,326,727 5,357,366 150,000,000 15,219,628 9,016,885 7,042,493 6,120,568
160,000,000 15,558,616 8,904,923 6,748,509 5,714,523 160,000,000 16,234,270 9,618,011 7,511,993 6,528,606
170,000,000 16,531,029 9,461,481 7,170,291 6,071,681 170,000,000 17,248,912 10,219,137 7,981,493 6,936,644
180,000,000 17,503,443 10,018,038 7,592,073 6,428,839 180,000,000 18,263,554 10,820,263 8,450,992 7,344,682
190,000,000 18,475,856 10,574,596 8,013,854 6,785,996 190,000,000 19,278,196 11,421,388 8,920,492 7,752,719
 Sản Phân Khúc Loại Hình Cty Thu Nhập PTI DBR MUE (Gấp Mấy Lần)
Phẩm
CELP Không Áp Dụng Tất Cả Tất Cả 40% 50% 11
Không Áp Dụng Tất Cả >= 6 MM 30% 40% 9
IPSP
Không Áp Dụng Tất Cả < 6 MM 25% 40% 6
Cty PS Nước Ngoài >= 6 MM 35% 50% 10
Cty PS Trong Nước >= 6 MM 35% 40% 10
Salaried
Cty PS Tất Cả < 6 MM 25% 40% 6
Cty Non - PS Tất Cả Tất Cả 25% 40% 6
CCSP Tất Cả Tất Cả 30% 45% 9

Programs Preselected Non-Pre

> = 12 M 27.50%
6 M - < 12 M 32.00%
LP 38.00%
5M-<6M 35.50%
3M-<5M 38.00%
Segment A ( >= 12 triệu - PS ) B-C-D ( Non - PS )
IPSP Pru 27.00% 32.00%
Non-Pru 27.50% 34.50%
Ngân Hàng NH Nước Ngoài NH Trong Nước
> = 12 M 29.50%
CCSP
6 M - < 12 M 29.50% 31.50%
5M-<6M 33.50%
>= 20 M 23.00%
Prime
> = 15 - < 20 M 25.50%
> = 12 M 27.50%
6 M - < 12 M 32.00%
MELP
5M-<6M 35.50%
3M-<5M 38.00%
> = 12 M 27.50%
6 M - < 12 M 32.00%
TLP
5M-<6M 35.50%
TLP

3M-<5M 38.00%
 Khoản vay 10 triệu
Giảm Dần Ban Đầu 12 Tháng 24 Tháng 36 Tháng

23.00% 1.09% 940,763 523,733 387,097

25.50% 1.22% 952,870 536,227 400,247

27.00% 1.27% 960,174 543,802 408,252

27.50% 1.29% 962,615 546,340 410,939

29.50% 1.39% 972,413 556,558 421,782

31.50% 1.49% 982,264 566,878 432,773

32.00% 1.51% 984,735 569,475 435,544

33.50% 1.59% 992,168 577,302 443,911

34.50% 1.66% 997,139 582,552 449,535

35.50% 1.71% 1,002,124 587,827 455,195

38.00% 1.84% 1,014,642 601,126 469,500

48 Tháng

320,515

334,366

342,823

345,666

357,158

368,836

371,785

380,698

386,697

392,740

408,038
 Grade A Hospitals/Clinics ( Bệnh viện Loại A )
Total experience/ Tổng Kinh Nghiệm Làm Việc
Job Type
>= 1 & < 2 >= 2 & < 4 >= 4 & < 6 >= 6 & < 8 >= 8 & < 10
years years years years years >= 10 years

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Grade A Hospitals/Clinics ( Bệnh viện Loại B )

Total experience/ Tổng Kinh Nghiệm Làm Việc
Job Type
>= 1 & < 2 >= 2 & < 4 >= 4 & < 6 >= 6 & < 8 >= 8 & < 10 >= 10 years
years years years years years

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