Are you in need? Techcombank unsecured loan but don’t know where or how to start. Follow the article below to let Banktop guide you to quickly and easily apply for an unsecured loan at Techcombank with low interest rates.

What is Techcombank unsecured loan?

Techcombank unsecured loan is an installment loan product without collateral or collateral of Vietnam Technological and Commercial Joint Stock Bank (Techcombank). With unsecured loans, customers only need to prove their income and the bank will base on the customer’s credit history and repayment ability to approve the loan.

What is Techcombank unsecured loan?
What is Techcombank unsecured loan?

Currently, Techcombank is supporting customers with unsecured loans in the following 3 forms:

  • Unsecured consumer loans.
  • Overdraft loan without collateral F2.
  • Unsecured loan to pay tuition fees.

Advantages of Techcombank unsecured loans

Techcombank is a leading large joint stock commercial bank in Vietnam today. All products and services provided by Techcombank are highly appreciated, in which it is impossible not to mention the unsecured loan form Techcombank because of the advantages it brings:

  • Support customer loans nationwide.
  • The loan procedure is simple, no collateral required, no collateral required.
  • Support loans with a limit of up to 400 million VND, 12 times more than income.
  • Flexible loan term, from 6 months to 36 months.
  • Preferential interest rates are calculated on the reducing balance of the loan.
  • Disbursement quickly after loan application is approved.
  • Once the loan is approved, the customer will be immediately offered Consumer Insurance of Prevoir Vietnam Life Insurance Company.

What unsecured loan packages does Techcombank have?

Currently, Techcombank is supporting customers with the following 3 unsecured loan packages:

Unsecured consumer loan

Techcombank unsecured consumer loan
Techcombank unsecured consumer loan

Are you in need of money to buy some necessary household items, buy transportation or study expenses, medical examination and some other personal spending needs? Or are you simply looking for an unsecured loan?

Currently, Techcombank is supporting unsecured consumer loans without collateral. With a fast and convenient way of borrowing, it can meet the diverse spending needs of customers with salary income.

Overdraft loan without collateral F2

Life is increasingly busy with many plans, business and investment plans and unexpected financial needs that are not in the plan. Understanding that, Techcombank has provided customers with an unsecured overdraft loan product to support short-term capital supply in the fastest time.

To be granted an F2 limit, you need to meet one of the following conditions:

  • Opening a payment account for the first time at Techcombank
  • Maintain a minimum balance on the current account of VND 10 million per month for 3 consecutive months

The limit granted will depend on whether the condition is satisfied and the value of the deposit maintained on the customer’s current account.

Unsecured loan to pay tuition fees

What if you or a loved one is in need of studying to add more knowledge and English training certificates through Topica’s online courses but the financial capacity is not yet allowed?

Don’t worry, Techcombank has an unsecured loan product to pay tuition fees to support your success in the future. With the maximum loan amount will be equal to the value of the course.

Details of unsecured loan packages at Techcombank

REGISTERBorrow monthly installments
LEVEL30 million – 400 million dong
PERIOD12 months – 24 Months – 36 months – 60 Months
SUPPORT AREANationwide
LOAN PROFILEID card + Salary transfer + Health insurance
INTEREST RATE9.8% – 18%/Year

Loan conditions

Depending on the unsecured loan package selected by the customer, Techcombank will offer different specific conditions. In addition, customers still have to meet some general conditions such as:

  • Being a Vietnamese citizen living and working in Vietnam, aged between 20 -60 years old.
  • Have a permanent/temporary residence at Techcombank that you apply for a loan.
  • Have a stable job, have a labor contract of more than 12 months.

Unsecured consumer loan

  • Customers go to work to receive salary and receive salary via bank transfer.
  • Income through banks is over 5 million VND/month.
  • Only accept administrative and non-business customers receiving salary in cash.

Overdraft loan without collateral F2

  • Customers receive salary via Techcombank account.
  • Minimum income 5 million VND/month.
  • Only accept administrative and non-business customers receiving salary in cash.
  • Intermediate level or higher.

Unsecured loan to pay tuition fees

  • Customers go to work to receive salary and receive salary via bank transfer.
  • Only accept administrative and non-business customers receiving salary in cash.

What is Techcombank’s loan interest rate?

What is Techcombank's loan interest rate?
What is Techcombank’s loan interest rate?

Techcombank’s unsecured loan interest rate ranges from 13.78%/year to 18%/year based on the remaining outstanding balance and applies to each loan package, specifically as follows:

  • Unsecured consumer loans: From 18%/year.
  • Overdraft loan without collateral F2: From 13.78%/year.
  • Unsecured loans to pay tuition fees: From 18%/year.

The interest rate on unsecured loans at Techcombank is considered to be preferential and competitive compared to major banks in Vietnam. Compared with other credit companies, the interest rate on unsecured loans at Techcombank is much lower.

Documents and procedures for unsecured loans at Techcombank

  • Application for unsecured loan cum debt repayment plan according to the form of Techcombank.
  • Valid ID/CCCD/Passport.
  • Temporary residence certificate / household registration / KT3 at the address where the borrower is living.
  • Labor contract, salary statement and some proofs of income, working seniority.
  • Some other documents as required by Techcombank (if any).

The most detailed guide on how to get a Techcombank unsecured loan

How to get a Techcombank unsecured loan is quite simple, you just need to follow the following steps:

  • Step 1: Customers register for Techcombank unsecured loans in one of two ways: Go to the nearest Techcombank transaction office, Register on Techcombank’s website.
  • Step 2: Prepare all documents according to the guidance of the consultant and then bring them to the nearest Techcombank branch/transaction office to submit during office hours.
  • Step 3: The Bank conducts appraisal of dossiers, analyzes and makes decisions after having customer dossiers provided according to regulatory requirements.
  • Step 4: The staff will report the appraisal to the reviewer for inspection, then the dossier will be submitted to senior management for approval.
  • Step 5: After the application is approved, Techcombank will disburse funds to customers via bank transfer or cash.
  • Step 6: The customer has the obligation and responsibility to pay the loan in accordance with the terms stated in the contract.

Techcombank’s unsecured loan experience has a high loan approval rate

Techcombank's unsecured loan experience has a high loan approval rate
Techcombank’s unsecured loan experience has a high loan approval rate

Some experiences of unsecured loans at Techcombank to have a high approval rate that you can refer to below:

First of all, you must be a customer that Techcombank supports with unsecured loans. That means you must be a Vietnamese citizen living and residing in Vietnam, in the working age range from 20 to 60 years old, have a stable job and a labor contract of over 12 months. Not subject to bad debt at banks or other credit institutions.

Next, if you are a customer using the service at Techcombank and regularly make transactions, the idle cash flow must be at least 30 days.

Finally, you need to prepare yourself in advance all relevant documents such as payroll, labor contract, statement of salary payment transactions, etc., with red stamp, border seal in accordance with regulations.

In order to be able to process contracts as well as approve loans quickly, the lack of documents is one of the most important things that makes you lose time when you have to go to Techcombank’s transaction offices.

Techcombank unsecured loan payment process

When taking a Techcombank unsecured loan, you need to pay attention to the period of periodic payment to avoid late fees and unexpected late fees and interest. At Techcombank, customers can pay their loans when they are due via methods such as: Direct payment at Techcombank branches/transaction offices, online payment via banks, e-wallets.

Some frequently asked questions about Techcombank unsecured loans

We receive a lot of questions when we want to get a Techcombank unsecured loan, here are some of the most frequently asked questions when learning about Techcombank’s unsecured loans.

Should I get an unsecured loan at Techcombank?

If you are wondering if you should take an unsecured loan at Techcombank, Banktop’s advice is yes. Because Techcombank is one of the top reputable banks for a long time, providing the best products and services with preferential interest rates. Besides, there is a high loan limit, no collateral required.

Do Techcombank unsecured loans accept bad debt?

ARE NOT. Techcombank does not support customers with bad debts at other banks or financial companies.

How long does it take to disburse Techcombank loans?

As soon as the application is approved, without keeping customers waiting for a long time, Techcombank will disburse funds to customers immediately.

Conclusion

Thank you for following this post till the end. So above, Banktop has shared all the information you need to know when Techcombank unsecured loan. Hopefully, the above sharing of Banktop can help you easily apply for an unsecured loan at Techcombank with low interest rates quickly and effectively.

The article was edited by: Banktop.vn

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