Currently, many banks have allowed customers to borrow according to household registration book, ID card / CCCD. However, do you know which banks allow this type of loan? Let’s follow the article list of banks that lend according to SHK, ID card/ CCCD The lowest interest rate 2022 below of nganhangnongthon to update more information!

Loan conditions according to household registration book, ID card/CCCD at the bank

Each bank will set its own loan conditions. However, for everyone to grasp faster, please read more loan conditions according to household registration book, ID card/CCCD at the following bank:

  • One of the documents required is household registration book, people’s identity card, citizen identification, long-term temporary residence book.
  • The borrower and the borrower in the name of the loan must be Vietnamese.
  • The borrower must live and work in the area where the bank branch intends to borrow.
  • Borrowers must be at least 18 years old to be allowed to borrow money under SHK, CCCD/CCCD.
  • Borrowers guarantee no bad debt at CIC, clean and good credit history.
  • Borrowers must have a stable job and be able to repay the loan.
  • Borrower’s monthly income must be 3 million or more.

List of banks that lend money according to reputable SHK, ID card / CCCD

To meet the borrowing needs of the majority of people, Nganhangnongthon suggests you a list of Top 10+ banks that lend money according to SHK, ID card / CCCD most prestigious in 2022:

  • Borrowing according to SHK, ID card / CCCD at Agribank.
  • Borrowing according to SHK, ID card / CCCD at OCB bank.
  • Borrowing according to SHK, ID card/ CCCD of VPBank bank.
  • Borrowing according to SHK, ID card / CCCD at TPBank.
  • Borrowing according to SHK, ID card / CCCD at Vietcombank.
  • Borrowing according to SHK, ID card / CCCD BIDV bank.
  • Borrowing according to SHK, ID card/CCCD at MBBank.
  • Borrowing according to SHK, ID card / CCCD at Agribank.
  • Borrowing according to SHK, ID card/CCCD at Sacombank.
  • Borrowing according to SHK, ID card / CCCD at MSB bank.

Borrowing according to SHK, ID card / CCCD at banks

Borrowing according to SHK, ID card / CCCD at Agribank

Loans at Agribank are one of the outstanding products of this bank. Below are the current 2022 loan packages that Agribank is providing to its customers.

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Agribank loan packageFeatured content
Consumer credit loans
  • Loan object: Individual customers, households.
  • Loan limit: Up to 300,000,000 VND.
  • Loan term: Short, medium term (according to the specific capital needs of the customer).
  • Interest rate: According to the regulations of each period.
  • Loan purpose: to meet the needs of consumption, business …
  • Lending method: Loan in installments, according to small-scale limit, overdraft loan.
Small-scale lending
  • Loan object: Individual customers, households
  • Loan limit: Up to 300,000,000 VND.
  • Loan term: Short, medium term (according to the specific capital needs of the customer).
  • Interest rate: According to the regulations of each period.
  • Loan purpose: to meet the needs of consumption, business …
  • Lending method: Lending in installments, lending on a small scale, overdrafting loans.
Service loan
  • Loan object: Individual customers, households.
  • Loan limit: Based on loan demand, not exceeding the outstanding balance of the previous cycle.
  • Loan period: Up to 12 months, not to exceed the remainder of the next production cycle.
  • Interest rate: According to the regulations of each period.
  • Loan purpose: To pay the costs of growing and taking care of crops and livestock of a seasonal nature according to the adjacent production cycle in the year or of the original trees and industrial plants with annual harvest.
  • Disbursement method: Each credit contract/loan book can only borrow one time.
Loans to help reduce losses in agriculture
  • Borrowers: individual customers, legal entities.
  • Purpose: Lending capital in Vietnam dong to buy machines, equipment, etc.
  • Loan amount: Up to 100% of the value of the goods.
  • Interest rate support: 100% support in the first two years, 50% in the third year.
  • Interest rate: According to regulations of Agribank from time to time.
  • Loan guarantee: Agribank considers lending with/without collateral.
Preferential loan with interest rate
  • Loan object: individual customers, legal entities doing business in 64 poor districts.
  • Purpose: to invest in production and business development in 64 poor districts.
  • Interest rate support: The State supports 50% of the loan interest rate.
  • Interest rate: According to regulations of Agribank from time to time.
  • Loan guarantee: Agribank considers lending with/without collateral.
Lending through loan groups/associated groups – mobile lending groups
  • Audience: individual customers, households.
  • Borrowing purposes: Households and individuals that are eligible for loans for production, business, or life service need to borrow funds through the Loan Group/Associate Group.
Loans to serve agricultural and rural development policies
  • Subjects: individuals, legal entities, cooperatives, enterprises.
  • Loan guarantee mechanism: Agribank where the lender is considered, decides to lend without property security or secured by assets according to regulations.
  • Loan term: Short/medium/long term.
  • Interest rate: According to regulations of Agribank from time to time.
Loans in the form of overdraft accounts
  • Purpose: to serve the needs of production, business, and non-cash consumption of customers.
  • Overdraft limit: up to 100 million VND.
  • Overdraft term: up to 12 months.
  • Loan guarantee: Agribank considers granting overdraft limit with/without collateral.
  • Interest rate: According to regulations of Agribank from time to time.
Loans for living needs
  • Loan term: Short/medium/long term.
  • Loan level: Up to 100% of capital need.
  • Disbursement: one time or many times;
  • Interest rate: According to regulations of Agribank from time to time.
  • Overdraft limit: up to 100 million VND.
  • Overdraft term: up to 12 months.
Loans for business activities
  • Loan level: Up to 100% of capital need.
  • Interest rate: According to regulations of Agribank from time to time.
  • Loan guarantee: Agribank considers lending with/without collateral.
  • Disbursement: one time or many times;
  • Repayment of loan principal and interest: payment of principal once or several times, monthly or periodic payment of interest as agreed.

Conditions for loans according to SHK, ID card/CCCd at Agribank

For individual borrowers, the following conditions must be met:

  • Documents include: SHK, ID card/CCCD, or passport.
  • Documents proving the purpose of using their capital.
  • Loan application form.

For borrowers in the form of organizations or enterprises, the following conditions must be met:

  • Provide business license.
  • Certificate of business operation.
  • Documents proving the purpose of using capital.
  • Papers relating to collateral.

Types of loans at Agribank

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Almost all lending banks have different types of loans. For Agribank, there are the following types of loans:

  • Short-term loans.
  • Medium term loan.
  • Long-term loans.
  • Borrow according to the overdraft limit.
  • Installment loans.
  • Borrowing according to investment projects.

Borrowing according to SHK, ID card / CCCD at BIDV bank

BIDV Bank offers loan packages for both individuals and businesses. Below are the popular personal loan packages of the Joint Stock Commercial Bank for Investment and Development of Vietnam:

BIDV loan packageFeatured content
Borrowing for housing needs
  • Loan level: 100% of the house purchase and sale contract value.
  • Competitive interest rate, calculated on a gradually decreasing balance.
  • Maximum loan term 20 years.
Car loan
  • Meeting the demand for loans to buy cars for the family, for consumption and business purposes.
  • Loan amount: 100% of the purchased car value.
  • Loan term: Up to 7 years.
Study abroad loan
  • Competitive interest rate, calculated on a gradually decreasing balance.
  • Loan terms up to 10 years.
  • The maximum loan amount is 100% of the cost of studying abroad.
Unsecured consumer loans
  • Loan term: Up to 84 months for installment loans and 12 months for overdraft loans.
  • High loan limit.
  • There is no need of collateral.
Borrowing for production and business
  • The loan process is quick and simple.
  • Loan term up to 5 years.
  • Competitive interest rates.
Mortgage loan
  • Great loan amount.
  • Attractive and competitive interest rates.
  • Simple procedures, fast.
Consumer loans with collateral
  • Loan amount: Up to 2 billion VND/customer and 1 billion VND for overdraft loans.
  • Loan period: Up to 96 months for installment loans and 12 months for overdraft loans.

Conditions for loans at BIDV bank for customers are as follows:

  • Have ID card/CCCD/Passport.
  • Be a Vietnamese citizen with permanent residence or long-term temporary residence.
  • Customers must live and work regularly in the province/city where the lending bank’s branch is located.
  • Have a regular, stable income that is able to repay the debt.
  • Loan request form.

Borrowing according to SHK, ID card / CCCD at Vietcombank

Some of Vietcombank’s loan packages to support you in the most urgent times are as follows:

  • Consumer loans: VAT mortgage loans, unsecured loans for employees, consumer loans with property security.
  • Loans to buy real estate: loans to buy projects, build houses, buy real estate.
  • Car loan.
  • Loans for production and business: loans for investment in accommodation facilities, business of fortune, ..

Conditions for borrowing by household book, ID card/CCCD of Vietcombank are as follows:

  • Borrowers are individuals or households with household registration books in the area where Vietcombank is located.
  • Borrowing age is from 22 to 65 years old.
  • Have a stable salary and monthly income.
  • Borrowers must have all kinds of documents: loan registration certificate, household registration, certificate of temporary residence, certificate of land use right, proof of income, etc.

Borrowing according to SHK, ID card / CCCD at OCB bank

OCB is currently providing consumers with the following personal loan packages:

OCB loan packageFeatured content
Borrow to buy real estate
  • Loan application approval within 4 hours.
  • The maximum loan period is up to 30 years.
  • Preferential interest rates are only from 6.99%/year.
Car loan
  • Borrowers: from 18 to 75 years old.
  • Have a household registration book, confirmation of temporary residence.
  • Loan term up to 120 months.
  • Preferential interest rate 8%/year.
Consumer loans
  • Loan period up to 120 months.
  • Maximum loan limit is 5 billion VND.
Borrowing for production and business
  • Loan period up to 120 months.
  • Loan limit up to 3 billion VND.
  • One-time loan or limit loan.
Loan online
  • Conditions that the customer must own an electronic passbook.
  • Overdraft limit up to 90% of savings book value.
  • The maximum overdraft period is 12 months.

Benefits when borrowing money according to SHK, ID card / CCCD at the bank

Borrowing money at a bank will often be much more prestigious than an app loan, a hot loan outside. Some advantages of borrowing money under SHK, ID card/CCCD at banks are as follows:

  • Quick disbursal time within a day.
  • The form of borrowing money by household registration book, ID card/CCCD is suitable for all types of customers.
  • Diverse and flexible loan forms with the needs and capabilities of each different customer.

Frequently asked questions when borrowing money from SHK, ID card / CCCD at the bank

What is a loan under SHK ID card?

Borrowing money according to SHK, ID card/CCCD is a form of borrowing money according to household registration book, identity card or citizen identification. Customers who want to borrow money in this form must have one of the above documents.

When applying for a loan at a bank, if the application is approved, you will receive a loan quickly within the same day. Normally, the loan interest rate according to SHK, ID card/CCCD will be calculated from 20-30%/year depending on each Loan packages and different loan types.

Is it safe to borrow money under SHK, ID card / CCCD?

Many people are still afraid that this form of borrowing money is not safe, afraid of revealing personal information. However, when you get a loan from a bank, you are completely assured of the above issues.

Because the bank operates with a clear business license, it does not disclose or trade customers’ personal information to third parties. To borrow money with SHK, ID card / CCCD is safe, people should cheat to choose reputable banks, publish clear regulations and contracts.

Why can’t customers get a loan from a bank?

Everyone who intends to borrow should note, the bank will usually verify your profile clearly before agreeing to a loan. In some cases, a bank will refuse a loan from a customer, such as:

  • Customers with bad debt, low credit.
  • The reason for the loan is not clearly stated.
  • The collateral does not meet the bank’s required value.
  • The collateral is of unknown origin.
  • Borrowing records are not authentic, fake.

Thus, the above article Nganhangnongthon has compiled lists for you which banks lend according to SHK, ID card/CCCD. Hope the above content will be useful to readers. Good luck with your loan!

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