Valuable Papers Pledged Loan

18/09/2015 10:09 AM

You're in urgent need of cash and your saving deposit has not matured. When you select Vietcombank's valuable papers pledged loan, you can still recieve the interest on your deposit and only have to pay interest fee on your actual loan term

  • Competitive interest rate
  • Avalaible funds for urgent needs before your valuable papers' tenor is up
  • Simple procedures, quick approval time.

Loan term

Up to maturity date of the valuable papers.

Loan amount

  • Up to 100% of the valuable papers.
  • Valuable papers include: Government bonds, treasury bills; promissory notes, bonds, savings, certificates of deposit, deposit accounts issued by Vietcombank and other credit institutions.



  • Loan balance: Monthly or quarterly
  • Interest: Paid monthly based on reducing loan balance
  • Customer age: from 18 to 70.
  • Valuable papers are of the borrower or a third party's legal ownership (if any).
  • Collateral: valuable papers (according to VCB's regulations)

Loan application form

Vietcombank's form

Legal documents

  • Valid ID card/Passport of the borrower or the owners (if pledge by valuable papers of third party)

Proof of loan purpose

  • The Fund Use Plan cum Loan Agreement cum Pledge Agreement cum Debt Acknowledgement (Vietcombank's form)

Income documents

  • Not applicable

Collateral documents

  • Valuable papers ​​​​​​​

  • Step 1: Contact Vietcomabank's branch(es) for consultation on requirements and legal documents.
  • Step 2: Prepare and submit documents as guidance by Vietcombank's staff.
  • Step 3: Vietcombank review documents and annouce the approval result.
  • Step 4: Prepare documents/finish procedures before loan disbursement
  • Step 5: Loan disbursement

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