The situation of housing loans at vietnam commercial joint stock bank prosperity da nang branch – ham nghi transaction office

DUY TAN UNIVERSITY INTERNATIONAL SCHOOL PSU FACULTY  - GRADUATION THESIS THE SITUATION OF HOUSING LOANS AT VIETNAM COMMERCIAL JOINT STOCK BANK PROSPERITY - DA NANG BRANCH – HAM NGHI TRANSACTION OFFICE INTRUCTOR : MS LUU THI THU HUONG STUDENT PERFORMANCE : PHAM THI BICH LOAN STUDENT CODE : 25202416542 CLASS : K25 PSU-QNH Da Nang, 22nd May 2023 GUARANTEE I hereby declare that this Graduation Thesis is my own work with the support of my supervisor and has not copied the work of others The secondary information data used in this report is sourced and clearly cited I take full responsibility for this guarantee! Student Pham Thi Bich Loan THANK YOU This graduation internship report is the result of studying at Duy Tan University and my own fact-finding process at VietNam Prosperity Joint Stock Commercial Bank - Da Nang Branch - Ham Nghi Transaction Office in the past Through this, I would like to express my gratitude to Duy Tan University as well as to the teachers who were dedicated and enthusiastic in teaching and helping me during my study at the school I would also like to thank Vietnam Prosperity Joint Stock Commercial Bank - Da Nang Branch - Ham Nghi Transaction Office for giving me the opportunity to learn and research about housing loans activities at banks I would like to express my sincere thanks to the comments, necessary documents and real information of the staffs at Vietnam Prosperity Joint Stock Commercial Bank – Da Nang Branch - Ham Nghi Transaction Office Besides, I would like to express my deep gratitude to Ms Luu Thi Thu Huong - who wholeheartedly guided and helped me complete my graduation internship report in the most complete way In the process of making the internship report, it is inevitable that mistakes will be made I look forward to your contributions to improve my report Thank you sincerely! TABLE OF CONTENT FOREWORD 1 Reason for choosing topic: Research objectives: Research question: Subject, scope of research: Research Methods: Structure of the thesis course: CHAPTER 1: THEORETICAL BASIS OF HOUSING LOANS AT COMMERCIAL BANK .4 1.1 GENERAL RATIONALE FOR CONSUMER LOANS: 1.1.1 Loans concept: .4 1.1.2 Consumer loans concept: .4 1.1.3 Consumer loans features: 1.1.4 Types of consumer loans: 1.1.4.1 1.1.4.2 1.1.4.3 1.1.4.4 Based Based Based Based on on on on the the the the loans purpose: refund method: form of loans guarantee: origin of the debt: .7 1.1.5 The role of consumer loans: 1.1.5.1 For banks: 1.1.5.2 For consumers: 1.1.5.3 For economy: 1.1.6 Factors affecting consumer loan: 1.1.6.1 Objective factors: .8 1.1.6.2 Subjective factors: 1.2 GENERAL RATIONALE FOR HOUSING LOAN: .11 1.2.1 Concept of housing loan: 11 1.2.2 Principles of housing loans: 11 1.2.3 Classification of housing loans: 11 1.2.3.1 1.2.3.2 1.2.3.3 1.2.3.4 Based Based Based Based on on on on loan term: .11 the nature of the guarantee: 12 the loan method: 12 the refund method: 13 1.2.4 Criteria for evaluating housing loan: 13 1.2.4.1 1.2.4.2 1.2.4.3 1.2.4.4 1.2.4.5 1.2.4.6 1.2.4.7 1.2.4.8 Loan turnover (LT): 14 Loan turnover growth rate (LT) (%): .14 Outstanding balance: .14 Average outstanding balance for the period: 14 Growth rate of outstanding loans (%): 15 Overdue: 15 Overdue debt ratio: 16 Bad debt ratio: 16 CONCLUSION CHAPTER 17 CHAPTER 2: INTRODUCTION ABOUT HOUSING LOANS AT VPBANKHAM NGHI TRANSACTION OFFICE 18 2.1 INTRODUCTION ABOUT VPBANK-HAM NGHI: 18 2.1.1 History and development of VPBank - Ham Nghi: 18 2.1.2 Functions, tasks and organizational structure of VPBank Ham Nghi Transaction Office: 19 2.1.2.1 Functions, tasks: .19 2.1.2.2 Organizational structure: 20 2.1.3 Performance of VPBank - Ham Nghi Transaction Office: 21 2.1.3.1 Fundraising activities: .21 2.1.3.2 Loan activities: .24 2.1.3.3 Business results: .28 2.2 SOME ISSUES RELATED TO HOUSING LOANS AT VPBANKHAM NGHI TRANSACTION OFFICE: 32 2.2.1 General regulations on housing loans at VPBank-Ham Nghi Transaction Office: 32 2.2.1.1 Features of home loan products: 33 2.2.1.2 Housing loan process: 34 2.2.2 Analysis of housing loans at VPBank-Ham Nghi: 37 2.2.2.1 The situation of housing loans in the general loan situation at VPBank-Ham Nghi: 37 2.2.2.2 The situation of housing loans according to the loan term at VPBank-Ham Nghi: 41 2.2.2.3 The situation of mortgage loans to buy houses by guarantee method at VPBank-Ham Nghi: 44 2.2.2.4 Status of housing loans by repayment method at VPBank-Ham Nghi: .47 2.2.3 Evaluation of housing loans at VPBank-Ham Nghi: 50 2.2.3.1 2.2.3.2 2.2.3.3 2.2.3.4 The results achieved by the bank: 50 Advantages: 51 Limitations : 52 Reason: 53 CONCLUSION CHAPTER 55 CHAPTER 3: SOLUTIONS FOR THE DEVELOPMENT OF HOUSING LOANS AT VPBANK-HAM NGHI .56 3.1 DEVELOPMENT ORIENTATION OF HOUSING LOANS AT VPBANK HAM NGHI: 56 3.2 SOLUTIONS TO DEVELOP HOUSING LOANS AT VPBANK-HAM NGHI: 57 3.2.1 Main solution: .57 3.2.1.1 Improve the quality of human resources and recruit more: 57 3.2.1.2 Check, urge and recover debts: .59 3.2.1.3 Loan policy: 59 3.2.1.4 Flexible application of loan process, simplifying loan procedures: 61 3.2.1.5 Strengthen the bank's marketing strategy: 61 3.2.1.6 Completing the policy of information, research, and investigation on factors related to housing loans: .62 3.2.2 Add-on Policy: .63 3.2.2.1 Fundraising work: 63 3.2.2.2 Expanding the bank's network: 64 3.2.2.3 Improve the quality of information, reduce risks for housing lending activities: 64 3.3 SOME RECOMMENDATIONS: 65 3.3.1 For Vietnam Prosperity Joint Stock Commercial Bank: 65 3.3.2 For Vietnam Prosperity Joint Stock Commercial Bank – Ham Nghi Transaction Office: 65 CONCLUSION CHAPTER .66 CONCLUDE 67 LIST OF ACRONYMS VPB Vietnam Prosperity Joint Stock Commercial Bank NHTM Commercial Bank TCTD Credit institutions GTCG Valuable papers HDV Capital mobilization NH Bank NHNN State bank TG TCKT Deposits from economic organizations TMCP Stock Commercial PGD Transaction CBNV Staff CN Branch CVTD Consumer loans DSCV Loan sales TS Asset LIST OF TABLES Table 2.1 Capital mobilization at VPBank-Ham Nghi (2020-2022) 21 Table 2.2 Loan situation at VPBank-Ham Nghi (2020-2022) 24 Table 2.3 Business performance at VPBank-Ham Nghi (2020-2022) 28 Table 2.4 The situation of housing loans in general loans at VPBank – Ham Nghi (2020-2022) 37 Table 2.5 The situation of housing loan by term at VPBank – Ham Nghi (2020-2022) 41 Table 2.6 The situation of mortgage housing loans by guarantee method at VPBank – Ham Nghi (2020-2022) 42 Table 2.7 The situation of housing loans by repayment method at VPBank – Ham Nghi (2020-2022) 48 LIST OF CHAPTERS Diagram 2.1 Organizational structure at VPBank-Ham Nghi 19 Diagram 2.1 Housing loan process 33 FOREWORD Reason for choosing topic: Vietnam is considered a country with a high population growth rate Currently, Vietnam's population has nearly 100 million people, the population density is about 321 people/km2, 6-7 times higher than the standard density, our country's population is mostly young, dynamic, and income is constantly improving Therefore, Vietnam's economy today is developing, people's income is increasing, so the demand for consumption also grows Da Nang is one of the cities on the rise with an increasingly crowded population and due to the impact of the city's construction and development policy, many areas with densely populated areas have been cleared The planning aims to build infrastructure for the city, making the need for housing more and more urgent Therefore, the role of banks is extremely important in the economy, banks have the role of raising capital to borrowers to have profitable investment opportunities and ensure the smooth movement of the economy In addition to financial support for the people of the city, banks also contribute, expand loans methods to help people less difficult, thereby also providing people with a The house is more stable and spacious Vietnam Prosperity Joint Stock Commercial Bank also implemented this type of housing loan In recent years, Vietnam Prosperity Commercial Joint Stock Bank-Da Nang Branch-Ham Nghi Transaction Office has continuously promoted this promising loan activitis, bringing the bank many benefits but also hidden many risk During my internship at VPBank - Ham Nghi Transaction Office, along with the practical problems that this activity brings, that's why I decided to choose the topic "The situation of housing loans at Vietnam Prosperity Joint stock commercial banks-Da Nang Branch-Ham Nghi Transaction Office”, as a research topic for my graduation thesis