SHBFinance

SHBFinance application is an application for customers of Saigon - Hanoi Commercial Joint Stock Bank Finance Company Limited (SHBFinance), including the following features:1. Customer service: enable customers- View information about consumer loan contracts with SHBFinance- View Credit Card information with SHBFinance- View information and sign electronic credit contracts- Perform online Credit Card services: activate card, lock/unlock card, change PIN, etc.- Look up disbursement locations and loan payments to SHBFinance- View information about incentive programs and promotions- View product and service information of SHBFinance- Send feedback on customer service quality to SHBFinance2. Register for a consumer loan online:- Allows existing SHBFinance customers to check conditions and apply for additional loans on the application3. Value Added Services:- Pay consumer loans and credit card balances to SHBFinance (Service in cooperation with Payment Intermediary Companies)- Look up and pay utility bills on the application (Service in cooperation with Payment Intermediary Company)- Look up and register to buy insurance on the application (Service in cooperation with insurance companies)Introducing loan products:Loan application process:Step 1: Choose the product and register information right on the application;Step 2: Provide personal photo and photo of ID card/CCCD;Step 3: Complete other registration contents according to instructions on the application;Step 4: SHBFinance will evaluate and approve the application;Step 5: Customers sign the electronic credit contract;Step 6: SHBFinance makes disbursement.Loan conditions:Be a Vietnamese citizen aged 20 - 59 years oldMinimum income 3,000,000 VND/monthLoan amount: 6,000,000 VND – 70,000,000 VNDLoan term: 12 months - 36 monthsInterest rate: from 29%/year - 57%/year (on decreasing outstanding balance)Unsecured consumer loan (no collateral required)Fees/penalties (according to regulations of the State Bank of Vietnam): penalty for early repayment (4%-6% x remaining principal balance, applied when customers repay debt before due date), penalty for late repayment (150% x interest rate on due date, applied when customers repay debt late)For example:Loan amount: 10,000,000 VNDLoan term: 12 monthsInterest rate: 16%/year (based on each products policy)Monthly payment amount: 966,000 VNDTotal payment amount: 11,600,000 VNDTotal profit: 1,600,000 VNDCONTACT• Website https://www.shbfinance.com.vn/• Facebook Fanpage: https://www.facebook.com/TaichinhtieudungSHB/• Hotline: 1900 2198ABOUT SHBFINANCE:Is a credit institution established and operating under license No. 77/GP-NHNN dated December 12, 2016 (latest change and adjustment: 21/GP-NHNN dated April 25, 2023) of the Bank. Vietnam State Bank. SHBFinance provides consumer lending services to mass customer groups with an average income of 3 million VND such as employees, workers, small businesses and other customers.SHBFinance aims to become one of the pioneering financial companies applying technology to quickly meet urgent financial needs, while improving service quality and convenience for customers.