MB.QBCVCN.02 (Mau nay do khach hang te lp) CONG HOA XA HOI CHU NGHIA VIET NAM. Doc Ip - Ty do - Hanh phic GIAY DE NGHI VAY VON KIEM PHUONG AN VAY -TRANQ (Ap dung di voi cé nhan vay von phue vu nhu cau dei song) Kinh giti: Ngan hing TMCP Xéng dau Petrolimex - PG Bank 1, GIOITHIEU CHUNG Nguoi vay von Vorching Ho va tén: NGUYEN HOU CUONG | Ho vatén: ‘Ngay thing nam sinh: 04/10/1995 ‘Ngay thang nam sinh: Quée tich: Viét Nam Quéc tich: 86 CCCD: 001095040381 ‘Sé CMND : Ngay cdp (ngay, thang, nam): 03/05/2022 ‘Ngay cap (ngay, thang, nam): Noi cp: Cuc CS QLHC vé TTXH Noi cép: | H6 khau thug tr: Xm 1- C6 Dién, Hai BOi, Bong | HO khdu thudng tri: Anh, Ha N6i Dia chi hign tgi: X6m 1- C6 Dign, Hai Boi, Dong | Dia chi hign tai: | Anh, Ha N6i ‘Nghé nghigp: Nhan vién kinh doanh | Nghé nghigp: Dia chino’ lam vige: Céng ty od phin Midomax Vit | Dia chi noi lam vige: Nam Dién thoai!: 0986116956 Dign thoai: | Tinh trang hn nhan: (Chua timgkéthén [J Banged volchéng ~— ([] Daly hon. 1 Vorchang da chét/mat tich | Dang ky kinh doanh/doanh nghigp 6 (néu c6): Cp ngay: "$6 di dng ding ky nbn thong béo g6 ai cia Nauti vay v8n, e os!‘Thong tin tinh hinh vay von tai ede t6 chite tin dung (Bao gém th6ng tin ngudi vay vén va nguwwi vay vbn néu e6) : [X] Khéng 6 vay vén tai TCTD nao/[_] Cé ng vay tai cde TCTD, cy thé nhw sau: DVT: trigu ding ee Tho hen "7 Sétan ] Newdi dime ten vay | nh | tenteTD | yhoan | HanmuiclS6 | trang | Téng dung pveiaianedore ea i taco tién vay han; hién tai iy cho vay y 8 ai dich vay vay aon NGUYEN HOU The TD MSB 30 15 CUONG The TD ‘VPBank 30 13 ‘Thong tin ngwdi lign quan dang vay vén tai PG Bank (b6, me, anh, chi, em rut, cong ty do ngudi vay vin hodc vg/chdng nguti vay van dang so hirw/digu hanh) : JX] Khéng/L_] Cé, chi tiét nhu sau: (néu rd ho, tén sé CMND/CCCD/H6 chiéw/DKKD cia ngudi/edng ty dang c6 dur ng tai PG Bank)... II PHUONG AN SU DUNG VON 1. Nhu cu vay von - Mve dich sir dung vén vay: Vay mua 6 1 - Téng ngudn vén phuong én: 356,000,000 (VND). Trong dé: +Vén ty 66: 56,000,000 (VNB) ~ Ty 18: 15,73% +Vonvay PG Bank: 300,000,000 (VNB) ~ Ty 8: 84.27 % = Phuong thie vay: [] Vay tré gép_ Bx] Vay timg lin L) Vay theo han mire [1] Khéc Phuong thai tra ng gée, lai: Géc, Iai tri vao ngiy 15 hang thang trén du ng thy té giam dan 2. Can déi ngudn trit ng BVT: VND s 5 ] ig Ablasiatea no (Huawthauahes Ngui vay | Nguoi anv cb STT | Can déi ngudn tra ng (Hang thang/nim) re es ar Hed Téng cong I | Téng thu nhap 27.000.000 1 | Thu nhap hang thing tir long eda éng | 27.000.000 27.000.000 | Nguyén Hitu Cuing tai Céng ty Cé phin Midomax Vigt Nam IL_| Nghia vu ng phai tra, Trong 46 9.100.000 | 1 | Nghia vy ng phai tré tai PG Bank 6.100.000 6.100.000 | ? C6 TSBD/khdng TSBDIhé tin dung. Cling2 | Nghia vy ng phai tra khéc (Bao gom ng cdc | 3.000.000 3.000.000 TCTD khac va cac t6 chire, cd nhan don vj khac néu c6) MIL | Can déi nguén tra ng (= 1-1) 17.900.000 m. TAISAN THE CHAP/CAM CO (NEU CO) | eg | Méiquan hé ciia | pee | eh sir hitu tai st eee Seed san thé T | Ghird tn tdi sin, x6 gidy ching nhin, dja | aime ten gay | og cam ob véi chi...) ching nbn | agubi vay von fsa (néu c6) | Hyundai GRAND I10 SEDAN 1.2 MT BASE | NGUYEN | Chi shi 2023, xe méi 100%, mau tring theo HDMB xe oto | HUU CUONG 1 | s6 2308DRC36212 gia éng Nguyén Hau Cuong | va Céng ty TNHH Mot thanh vién Hyundai An | Khanh ky ngay 07/08/2023 IV. KETLUAN Phuong én vay vén eta Toi/Ching ti dam bio kha ning tra ng Ngan hang. Chiing 6i xin cam va chju trich nhiém vé tinh chinh xc, trung thyc, day dd cia toan bé hd so, théng tin, gidy t, sb Jigu ma Toi/Chiing t6i cung cép cho Ngén hang kém theo phuong én nay. Vay 48 nghj Ngan hing xem xét cho vay! Volchéng cia Ngwisi vay von (néu c6) (Ky), ghi ri ho tén) Ha NG@i, ngay 02: Thang. (§ nim 2023 Ngudi vay von (KS, ghi rO ho tén) Cu ~ Nquyin Hao iPG can MB.TCG.03 ; ‘San phim/Chuong trinh dp dung: Quy dinh cho BCTD sé: 0308/2023 vay déi voi KHCN mua 6 t6 do Tap doan ‘Don vi thyc hién: PGD Nguyén Céng Hoan | Thanh Céng san xudt, lp rap/phan phéi Quyét dinh sé: QD.TD.078 DE XUAT CAP TiN DUNG VA PHE DUYET CHO VAY (Cho vay muc dich phuc vu nhu céu doi sing — KH 6 thu nhép m6t phén hotie 100% bang tién mat) I. THONG TIN KHACH HANG 1. Nguti vay vin 1 (KH) Ho va tén nguéi vay: NGUYEN HU'U CUONG —_Ngay/thang/nam sinh: 04/10/1995 $6 CCCD: 001095040381 ‘gay cap: ‘Noi cp: Cuc Canh sat QLHC vé TTXH 03/05/2022 H6 khau thuéng tri:_X6m 1- Cé Dién, Hai Boi, Bang Anh, Ha Noi Noi o hién tai: Xém 1- Cé Dién, Hai B6i, Dong Anh, Ha Noi Dign thoai: 0986116956 Tinh trang hén nhan: [J Chua timg két hon (1 Dang cé vo/chéng (Daly hén va D Vovching 4 chét/mat tich va hién tai chua két hon tai chua két hon Nghé nghiép: Nhan vién kinh doanh | Bon vi dang lam viée: Céng ty cé phan Midomax Viét Nam Bia chi noi lim vige: $6 42 Phé Miéu Dam, Phudng Mé Tri, Quin Nam Tir Liém, Thanh phd Ha N6i 2, Nguii vay von 2 (KH) Méi quan hé véi ngudi vay vén 1: Ho va tén: Negay/thdng/nam sinh: | ae $6 CCCD/CMNDIHG chiéu: Ney cp: __| Noi dp: HO khdu thuamg tra: Noi ¢-hign tai: ign thoai Tinh trang hon nhén: [7]Chwa timg két hon (Dang cé vorch’ng (Daly hén va hién tai chua két hon 1 Volching da chét/mat tich va hién tai chua két hon ‘Nghé nghiép Don vj dang lam viée: Dia chi noi [am vige : Ye 1PG sank? MB.TCG.03 Tich sir quan hé tin dung: 3.1 Khéch hang: [X] Khéng c6 du ng [] Cé du ng, chi tiét hw sau: ind at Nhém ng (S6 | Newsi | Hinhthice | Ten au ius | 86 tin ta ngay qué han néu dimgtén | vayl,Mue | TCTD oH va hing. | Dune | ¢6 ne qua cdptin | dich cdp | cap tin oa he © | hign tai | hen)/Lich sir qua dung tindung | ding | SP | - ay i han (thai diém dung qua han) NGUYEN | Thé TD MSB 30 15 [i HUU Zi a CUONG Thé TD ‘VPBank 30 1S 1 si ‘Tong cong 60 3 3.2 Céng ty do ngudi vay vén va/houc vg/ching ngudi vay von dang so hivu trén 50% von digu lé: Khong cé théng tin [] Khéng c6 du ng vay [] Co dur ng vay, chi tiét nhur sau: ] Nhom ng ($6 Hinh thie | Ten — eee ngay qué han néu Ten céng | vayl,Muc | TCTD ee at cé ng qua vlsMve | TCT | vietn | tila | nphing ne gud y dich cfp | cdptin | Man | fen ; han)/Lich sir qua : cdptin | dp tin | thing eae tindung | dung han (thoi diém dung | dng ; qué han) Tong cone Tai sin hign dang si hw: OVND. Trong 46: [Kat qua xép hang tin dung ndi bo. 77.28 diém— Hang: BBB Cie sin pham dich vy khach hang dang si dung tai PG Bank (nu Td khéch hing hign hu): ...Ligt ké cde san pham KH/dich vu KH dang sir dung, doanh s6.loi nhudn néu ¢6 nhu: tai khoan, tiét kiém, app. ....(ngoai trir cdc san pham vay von). 1. PHUONG AN SU’ DUNG VON 1. Nhu cdu vay von Ting nguon von phuong an: 356,000.000 (VND). aT dé: Von tu c6: 56.000.000 (VNB) ~ 5,73% + Von vay PG Bank: 300.000.000 (VNB) ~''1é 8437 9 + Vén khde (néu ¢6): .. ws (VND) ~ TY ‘Muc dich sir dung von va MB xe 6 t6 s6 2308DRC36212 giita ong me NGUYEN HUU CUONG va Céng ty TNHH M6t thanh vién Hyundai An Khanh ky ngay 07/08/2023. ' Cé TSBD/khéng TSBBithé tin dung, te aPG aan - Thi gian vay: 84 (thang) - Phuong thire vay: [X] Vay timg lan = Phuong thite tra ng gée, lai: theo quy dinh PGBank anh gid: ‘MB.TCG.03 - Téng phuong an mua sam tiéu ding: [X) Phi hop [7] Khéng phi hop. Ly do khéng phi hop:. - Tyke 2. Ngudn tri ng cho vay/téng phuong an: [XJ Phi hop [[] Cao hon quy dinh DVT: VND sTT C4n d6i ngudn tra ng (Hang thang/nim) Nguoi vay von I Nguoi vay von2 Téng cong ‘Téng thu nhap 27.000.000 Téng thu nhép hang théng tir hrong kinh doanh cia 6ng Nguyén Hitu Cudng tai Cong. ty C6 phan Midomax Viét Nam 27.000.000 27.000.000 0 ‘Nghia vu ng’ phai tra. Trong dé: 9.100.000 Nehia vu ng phai tra tai PG Bank 6.100.000 6.100.000 Nghia vu ng phai tra khde (Bao gdm ng cde TCTD khae va cde t6 chite, ca nhan don vi khde néu ¢6) 3.000.000 3.000.000 ie Can déi ngudn tra ng (111 = 1-11) 17.900.000 Iv DTI 33,7% Banh gid Ong Nguyén Hitu Cung hign dang la nhan vién kinh doanh tai Céng ty CP Midomax Vigt Nam. Theo xde nh Itong khach hang cung cép, mite Ivong hing thang Khach hang nbn la 22.000.000 VND/thang. Sau khi xem xét danh gid tang nghia vy tra ng ciia KH (bao gém ca nghia vu khoan vay dy kién tai PGBank) chiém khong 33,7% trong tng thu nhap cia KH. DVKD dénh gia khach hang hodn toan dam bio kha ning tri ng cho PGBank.PG BANK‘ m. TAI SAN BAO DAM MB.TCG.03 DVT: trigu ding Loai TSBD ét qua aint gia LIV(Y ‘DE xual it lin nay | Gia wi TSBD Theo quy dinb Thei inh gid Theo phe duygt LIv Sé ti xép hang TSBD Di/Khéng di diéu kign nhan ‘theo quy dink Xe 6 td 7182023 | 85% hin thinh tt vén vay 356 84.27% BI Di diéu kién theo QD s6 229/2023/QD-TGD ngay 14/7/2023 ngay 1477/2023 cita PG Bank Gid tri mua ban xe dege ghi han bang gid tri mua xe 6 dng (+) cdc logi thud (thué nhdp Rhdv, thué ti thu dae bigs, thué gid tri gia tang) nhueng khing bao gim cde logi iva chi phi cho cdc phu kién | 4p ngosi Téng cong 84.27% 300 - Logi TSBD: 01 xe 6 t6 theo HDMB xe 6 t6 s6 2308DRC36212, nhan higu Hyundai GRAND 110 SEDAN 1.2 MT BASE 2023 gitta 6ng NGUYEN HUU CUONG va Céng ty TNHH Mot thanh vin Hyundai An Khanh ky ngay 07/08/2023. +Nhan higu: Hyundai GRAND 110 SEDAN 1.2 MT BASE 2023 + Tinh trang: Xe méi 100% + Mau: Tring + Loai may, hop sé: AT - — Khéch hing mua bio IV. KET LUAN VA DE XUAT CAP TIN DUNG 1, KET LUAN ‘vat chat va thye hign chuyén quyén thy hudng bao hiém cho PG Bank. 1T Tigu chi Két luan 1 | Hb so Ripa (1 Khéng dui (néu 15 hé so thigu) 2 | Didu kién vay vin theo quy dinh & pa diéu ki (2 Khéng diéu kign (néu rd ly do) 2. DE XUAT CAP TIN DUNG 2 idm hong tin oi nhomg KH ch dang e6 quan hé tin dung véi PG bank fePG can MB.TCG.03 Theo quy dinh hign hanh cia PG Bank, Khach hang di digu kign vay vn PG Bank. Don vj kinh doanh dé xuat cdp tin dung cho Khach hang Nguyén Hau Cuéng cu thé nhu sau: 'S6 tién cho vay 300,000,000 VND (Ba trim trigu déng chin.) Myc dich ‘Thanh todn tién mua xe 6 t6 nan higu Hyundai GRAND 110 SEDAN 1.2 MT BASE 2023, xe moi 100%, mau tring theo HDMB xe oto s6 2308DRC36212 gitta dng Nguyén Hitu Cuong va Céng ty TNHH Mét thank vién Hyundai An Khanh ky ngay 07/08/2023. ‘Thai han cho vay 84 thang Lai'sultcho vay 9,29%/nam trong 12 thing du tién ké trkhi giai ngn khodn vay. Sau thoi gian wu dai bing lai suat co sé cfng (+) bien d6 3,8%/nim (Cong thém 0,3% vao bign 4 sau vay thanh toa hoa héng cho Daily). nein (Gidi ngin vao ti CONG TY TNHH MOT THANH VIEN HYUNDAT AN KHANH STK: 056.110.565.999 Nein Hang: MBBank ~ chi nhanh Hoang Quée Vigt Hinh thie gi Phuong thie tra ng Trang géc: Ngay 15 hang thang Trang Iai: Neay 15 hing théng Tai sin bo dam 1 xe 616 nha higu Hyundai GRAND 10 SEDAN 1.2 MT BASE 2023, xe méi 100%, mau tring theo HBMB xe oto s6 2308DRC36212 gia Ong Neuyén How Curing va Céng ty TNHH Mét than vién Hyundai An Khanh ky’ ngay 07/08/2023. Céic didu kign cp tin dung + Cai dt Flexi app, phat hanh thé Flexicard {néu cd) 4+ Tén CTKM (Tén g6i HTLS): HTVG2_1.2 Dibu kign khdc (néu 08) + Tai thoi diém giai ngin: Truong hop gid tri mua ban xe 614 trén HDMB ‘ting/gidm so véi gid tri mua ban xe 6 t6 trén bao gid cla Dai ly/Phiéu dat coc/Ban ding ky nhu cdu/Théa thugn dgt hang/Hogp dang co sé, KH chiu trach nhigm thanh todn phan gid tri chénh léch (V6n ty c6) twong img cho Bai ly. PG Bank chi gidi ngdn 6 tin cho vay theo gid tri mua ban xe 61 trén HDMB dng thai dam bao sé tin gidi ngan khong vugt qué sé tién cho vay t6i da theo quy dinh cia PG Bank. | + Ky hop déng thé chdp song phuong tai san hinh thanh trong twong lai va dang ky GDBD trusc khi gii ngan, | + Khéch hang mua bao hiém vét chét va chuyén quyén thy huéng cho PGBank trade khi giai ngén. Ngdy Gr thang 08 nim 2023 Chuyén vign tu van tai chinh cd nhan po a BL, — (KS, ghi v6 ho tén)PG ean ‘MB.TCG.03, Y kiéy-cita Gidm déc/Ph6 Gidm déc Phong Kinh danh as cho vay theo dé xuat (Ding ¥ cho vay theo dé xuat va bé sung cac digu kign sau: | (Khong ding ¥ cho vay theo dé xuat. Neay ..ds. thing 8... ndm 202.8 Giam déc/Phé Gidm déc Phong Kinh day (Ky, ghi ri ho ten) Y kién/Phé duyét ciia C4p 6 tham quyén phé duyét tin dung tai Chi nhanh (Gidm déc Chi nhanh/Phé Gidm déc Ban 1é)° Ping ¥ cho vay theo a8 xuét cia Phang MH (1 Dang y cho vay theo dé xuat ciia Phong ... va bé sung cdc digu kién sau: (1 Knéng ding ¥ cho vay theo 48 xuét cia Phong Ney 4... théng af. nim 202. Cp cé thm quyén phé duyét tin dung tai Chi nhanh 2 Phe duy8t déi véi Khoa vay thude thim quyén hoge néu y kién dBi vi khodn vay vuge thim quyén