COMMERCIAL

BANKING 1
Duong Dang Khoa
 Members

Trần Ngọc Quang Tỏa

Lê Huyền Vi

Phạm Nguyễn Tuyết Nhi

 Topic

HOME REPAIR LOAN

 Situation

NAME: TOA TRAN

AGE: 29
RELATIONSHIP: SINGLE
CAREER: SOFTWARE MANAGER
 Income

Income: 12.000.000 VND

Cost per month: 6.500.000 VND

Net income: 5.500.000 VND

 Judicial record
Family register

ID Single certificate
 The demand of the borrower

Loan amount: 250.000.000 VND

Time: 76 months

The loan purpose: renovation old house for parents,

Address: D.7, HCMC
 Interest rate

10% / Month Monthly payment

It will be changed if VPBank notifies to adjust the rate

 The calculation to have
the amount of lending decision

Monthly interest: 400.000 VND

Monthly principal: 3.290.000 VND

The monthly principal & interest payment:

3.690.000 VND
 Debt service coverage ratio
Monthly principal and interest payment
DSCR= ------------------------------------------------------
Net income
3.690.000
= --------------- = 67%
5.500.000

DSCR < 75%

 The collaterals
Type of the collaterals: New Vios car, license.
Value: 650.000.000 VND
 Conclusion
Credit rating: A
Judicial record 1. Good repayment ability Low
2. risk
Debt service coverage ratio The
collaterals

VPBANK decides to make loan

THANKS FOR WATCHING