VIETNAM MARITIME COMMERCIAL

JOINT STOCK BANK

E-BANKING &
LENDING

Group 2
 OUR TEAM

VO HUYNH BANG HUYNH HO BAO DUYEN LE THI THUY HANG

DANG HOANG BAO TRAM NGO THANH MY VAN

 TABLE OF CONTENTS
1. E-BANKING 2. LENDING
E-BANKING CONSUMER LOAN
Internet Banking service
Mobile Banking HOME LOAN
SMS Banking service

BANK CARD CAR LOAN

Individual
Corporate BUSINESS LOAN

MSB-GROUP 02
1. E-BANKING
E-banking
+ Internet Banking service
+ Mobile Banking
+ SMS Banking service

Bank card
+ Individual
+ Corporate
E-BANKING
Functions of Internet Banking
service and Mobile Banking
Account Management
Transfers and Payments
Mobile Banking

Functions of SMS Banking service

Security

www.reallygreatsite.com
 BANK CARD
Individual Refund
Annual Fee: 1. MSB MasterCard World Elite
1. MSB Mastercard Super Free 2. MSB Visa Signature
2. Visa Classic 3. MSB Mastercard mDigi
3. Napas debit card 4. Visa Signature Dinning FCB
5. MSB Visa Online
Earn rewards 6. MSB Visa Travel
1. Mastercard Lotte Mart - MSB
2. Master Platinum Vpoint - MSB Cash Withdrawals
3. MC Lotte Mart - MSB 1. MSB Mastercard Super Free
2. Mastercard Platinum FCB
Corporate
MSB Visa business
2. LENDING
Consumer loan
House buying/building loan
Car loan
Business loan
 CONSUMER LOAN
1) Unsecured consumer loan for credit cardholder
2) Unsecured consumer loan for salaried person
3) Unsecured consumer loan for apartment owner
4) Unsecured loan bundle for salaried person
5) Secured consumer loan
UNSECURED CONSUMER LOAN FOR CREDIT CARDHOLDER

FEATURES
UNSECURED CONSUMER LOAN
FOR CREDIT CARDHOLDER

Conditions:
Owning a credit card issued by one of the
banks (MSB, Citibank, Shinhan bank,
Standard Chartered bank, HSBC,
Vietcombank, VIB) with at least 6 months in
use and being active at the moment
Not spending over 85% of credit card limit
last 3 months
At least 6 months in current job or 2 years’
working experience, labor contract in validity
UNSECURED CONSUMER LOAN FOR SALARIED PERSON

FEATURES
UNSECURED CONSUMER LOAN
FOR SALARIED PERSON

Conditions:
Age: from 20 to 55 (female), from 20 to 60
(male)
Minimum monthly income: VND 8 million (if
you live in Hanoi or Ho Chi Minh); VND 6
million (if you live in other cities)
At least 6 months in current job (at least 3
months if you are executive)
Civil servant or having labor contract with
minimum 12-month validity
UNSECURED LOAN BUNDLE FOR SALARIED PERSON

FEATURES
 UNSECURED LOAN BUNDLE FOR
SALARIED PERSON
Conditions:
Currently working for enterprises/organizations
and getting paid by wire transfer
Age: from 20 to 55 for female, from 20 to 60 for
male
Labor contract with 12-month validity or
permanent validity
At least 6 months in current job if you are
employee and 3 months if you are executive
(or minimum 2 years’ working experience)
Net monthly income: minimum VND 6 million
 UNSECURED LOAN BUNDLE FOR
SALARIED PERSON

TARIFF
Early settlement fee for unsecured loan: 3% of
prepaid principal amount in first year
2% of prepaid principal amount from first year
onwards
Overdraft fee: 0.5%*approved limit
Account management fee: 0.1%*approved limit
(VND 220,000 cap)
Credit card fee varies across types of card
(*) These fees are subject to change from time
according to MSB’s regulation
UNSECURED CONSUMER LOAN FOR APARTMENT OWNER
FEATURES
 UNSECURED CONSUMER LOAN
FOR APARTMENT OWNER

CONDITIONS:

Owning an apartment certified by Certificate

of land use right or Certificate of house
ownership. The apartment has been used in
less than 10 years, not under resettlement
plan or social housing project
Having settled 70% of apartment value (in case
not having Certificate yet)
Minimum monthly income: VND 8 million
SECURED CONSUMER LOAN
FEATURES
 SECURE CONSUMER LOAN

CONDITIONS:

Age: from 20 to 65
Minimum monthly income: VND 5 million
Loan purpose: Purchase home furniture,
pay tuition fees, settle cost of studying
broad, pay insurance premium, etc.
Collateral: can be valuable paper/real
estate/transportation
 HOME LOAN

1) Residential home loan

2) Project home loan
3) Home construction and renovation loan
RESIDENTAL HOME LOAN
FEATURES
HOME LOAN
RESIDENTAL HOME LOAN

Conditions:
Age: from 20 to 65
Minimum monthly income: VND 5 million
Loan purpose: purchase real property for you or your relatives
with/without Certificate of land use right issued
Collateral: mortgage/other properties
PROJECT HOME LOAN
FEATURES
 HOME LOAN
PROJECT HOME LOAN

Conditions:
+ Age: from 18 to 70
+ Minimum monthly income: VND 5 million
+ Loan purpose:
Purchasing/getting transferred of project real estate for you or your relatives
Recouping/covering liabilities to purchase/get transferred of project real
estate is also applicable
+ Collateral:mortgage/other properties
HOME CONSTRUCTION AND RENOVATION LOAN
FEATURES
 HOME LOAN
HOME CONSTRUCTION AND RENOVATION LOAN

Conditions:
+ Age: from 20 to 65
+ Minimum monthly income: VND 5 million
+ Loan purpose:
Constructing, renovating your or your relatives’ house for accommodation
or commercial purpose
Recouping your money spent on home construction and renovation or
covering liabilities are also applicable
+ Collateral: valuable paper/real estate/transportation
 CAR LOAN

Interest rate from only 11%

Especially suitable for business owners.
Large capital funding ratio. Loan support
up to 90% of vehicle value
Loan term up to 9 years.
Financing capital even without vehicle
registration.
Flexible Payments: Monthly interest,
principal paid every 1-3 months or 50%
in the first 6 months.
 CAR LOAN
CONDITIONS:
Age range: 20 to 65
years old
Loan purpose: to buy a
new car or
compensate/refund
the purchase of a new
car for travel purposes
for the customer
Collateral: car formed
from loans/valuable
papers/real estate
Vehicle Requirements: <5 years old, <9 seats, ≥200
million VND, not from China, Taiwan, or India.
 BUSINESS LOAN

1) With Collateral
2) Without Collateral
3) Agricultural Development Loans
 With Collateral

FEATURES
Loan Limit: Up to 20 billion VND, term
up to 120 months
Purpose: Working capital,
factory/machinery investment,
business expansion
Interest Rate: From 8.99%/year, fixed
Procedures: Simple, based on actual
revenue; no complex financial
documents
No Business Registration Required: Support for
loans without business or tax documents
BUSINESS LOAN
With Collateral

Conditions:
+ Age: 22 to 70 years old
+ Activities: Legal business activities
+ Experience: 1+ year in current industry
+ Plan: Feasible capital use plan
+ Collateral: Valuable papers, real estate, or transport means
 Without Collateral

FEATURES
Loan Limit: Up to 1.5 billion VND
Business Registration: Not required; suitable
for online businesses
Interest Rate: From 1.08%/month for
business owners, 1.29%/month for micro
enterprises
Procedures: Online application, approval in
24 hours
Combos: Access to credit cards, overdrafts,
etc.
Payment Account: Free with transfer limit up to 22 billion/day
BUSINESS LOAN
Without Collateral

Conditions:
+ Borrowers: Business owners, households, spouses, capital
contributors, or micro enterprises
+ Experience: 1+ year in business, 2+ years for online loan
registration
 Agricultural Development Loans

FEATURES
Loan Limit: Up to 10 billion VND, up to
80% of production/business plans
Purpose: Working capital, fixed
assets, personal consumption for
agricultural households
Interest Rate: From 13.99%/year
Repayment: Flexible based on
season
Procedures: Simple, no income proof
required
 BUSINESS LOAN
Agricultural Development Loans

Conditions:
+ Age: 20 to 70 years old
+ Experience: 2+ years in agriculture
+ Purpose: Agricultural business activities or personal/family consumption
+ Collateral: MSB deposits, transport means, or real estate
 REFERENCES
https://www.msb.com.vn/vi/doanh
-nghiep/ngan-hang-dien-tu
https://www.msb.com.vn/en/w/va
y-mua-nh%C3%A0-th%E1%BB%95-
c%C6%B0-duplicate-0
Do you have any questions?

THANK YOU