MID COURSE INTERNSHIP REPORT HOME LOAN CREDIT APPRAISAL AND LENDING FOR PERSONAL CUSTOMERS AT CT GROUP

FOREIGN TRADE UNIVERSITY HO CHI MINH CAMPUS MID-COURSE INTERNSHIP REPORT Major: International Finance and Banking HOME LOAN CREDIT APPRAISAL AND LENDING FOR PERSONAL CUSTOMERS AT CT GROUP Name: Đặng Thị Thảo Nguyên Student ID: 1913316109 Class: K58CLC2 Supervisor: Lê Trung Thành Ho Chi Minh City, July 2022 TIEU LUAN MOI download : skknchat123@gmail.com moi nhat FOREIGN TRADE UNIVERSITY SOCIALIST REPUBLIC OF VIETNAM HO CHI MINH CITY CAMPUS Independence - Freedom - Happiness MIDTERM PROFESSIONAL REPORT REMARKS Student’s full name: Đặng Thị Thảo Nguyên Student code: 1913316109 Name of the report: Home loan credit appraisal and lending for personal customers at CT group Assessment of compliance with regulations, progress and work ethics (Maximum of 1.0 point, with one decimal number): Remark (circle the appropriate one): The student has completed the report properly under the guidance of the supervisor The supervisor is responsible for the title, purpose, subjects, scope and research method(s), and chapters’ titles, and main headings of the report (3 digits): 0.8-1.0 point(s) The student has failed to carefully follow the supervisor’s instructions The supervisor is responsible for chapters’ titles, purpose, subject, scope and research method(s), and titles and main headings of the report (2 digits): 0.5-0.7 point(s) The student has failed to carefully follow the supervisor’s instructions The supervisor is not responsible for the report: 0.1-0.4 point(s) The student has totally failed to follow the supervisor’s instructions The supervisor rejects the submission of the report: point Ho Chi Minh City,… /… / Supervisor (Signature with full name) TIEU LUAN MOI download : skknchat123@gmail.com moi nhat (This page is intentionally left blank) TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP LETTER OF DECLARATION I certify that this report does not incorporate without acknowledgement, any material previously submitted for a degree or diploma in any university, and to the best of my knowledge and belief it does not contain any material previously published or written by another person, except when due reference is made in the text Finally, I hereby declare that I am the sole person involved in the preparation and completion of this report under the guidance of my supervisor Ho Chi Minh City,… /… / Author (Signature with full name) Đặng Thị Thảo Nguyên TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP (This page is intentionally left blank) TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP ACKNOWLEDGEMENT This is my internship training report after completion of internship training at CT Group Vietnam, Ho Chi Minh city in 2022 With my endeavor to accomplish the report, I was continually gathering material, brainstorming ideas, and drafting the outline Obviously, despite my best efforts and focus, this report cannot be produced without mistakes Therefore, I wish to express my heartfelt gratitude to Mr Lê Trung Thành, who is the internship training supervisor, for all of your enthusiasm, dedication in supporting relevant and relevant knowledge, and practical experience to assist me and other students successfully completing the internship Moreover, I also thank Mr Nguyễn Tân Hoàng Phương, Chief Executive Officer of CT Group also who is supervisor in charge of the internship training, Department of Finance Who gave me a golden opportunity to follow the particular practical internship training in the CT Group and be guidance, necessary support, cooperation, encouragement, and the fullest effort of them to the success of this opportunity, all are grateful and unforgettable All of that together has strongly facilitated me to acquire boundless knowledge, a crucial skill set, and precious experience Finally, my deepest thanks come to the teachers of Foreign Trade University – Ho Chi Minh City Campus for their enthusiasm and dedication to teaching, as well as for providing me with a solid foundation of professional knowledge throughout the past three years TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP resulting in the omission of certain important information Furthermore, moral issues can develop accidentally throughout the working process in some way because the PFO is fully in charge of the appraisal process TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP CHAPTER 3: THE OUTLOOK, ORIENTED DEVELOPMENT AND RECOMMENDATIONS FOR IMPROVEMENT OF HOME LOAN CREDIT APPRAISAL AND LENDING PROCESS FOR PERSONAL CUSTOMERS AT CT GROUP 3.1 The outlook of CT Group Vietnam 3.1.1 Opportunities Firstly, CT Group is a multi-industry firm, with real estate being a significant industry that plays an important role in the company's development On the other hand, the company does not confine its operations to real estate but also expands into many other fields, including banking Thus, capital mobility does not only depend on home loans in particular and the financial-banking industry in general Because the company's capital mobilization and major cash flow comes from a variety of sources, the cash flow will not be distributed from one side and reduce many risks As a consequence, the organization no longer has to be concerned about a shortage of funds throughout the financing procedure CT Group, conversely, uses home loans for more than simply commercial purposes Secondly, home loan does improve the company's customer relations and serves as a differentiating factor among real estate organizations Since both clients and the firm benefit from it, a home loan is not only an indispensable, distinct, and differentiated service, but also a strategic leverage to boost business for the company Taking these points into consideration, home loans create favorable conditions and abilities to attract a large number of clients, satisfy customer needs, and generate profits to the organization Finally, this is a brilliant opportunity for CT Group to enter the financial sector Beginning with basic financial services, the organization can progressively gain experience and expand into several larger categories From there, it serves as a foundation and premise for businesses to broaden their horizons and scale, develop, and stay up with the 4.0 technological revolution TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP 3.1.2 Challenges As mentioned before, because finance is not the major industry of CT Group, and has only been investigated and developed in recent years,the company needs more experience and expertise in this arena Therefore, there will be professional, specialist, and administrative challenges for home loans in particular and the financial industry of CT Group in general In the future, the company has to make several strategies and modifications to fulfill this requirement In addition, the outbreak of the Covid-19 pandemic has caused significant changes for CT Group in the last years, including human resources, project progress, As can be observed, the company's net income has reduced dramatically, demonstrating that the problem of post-pandemic recovery is worthy of consideration And during the rebuilding and becoming as it once was and continuing to flourish, there will be certain hurdles and the need for effort In the future, there will witness similar unforeseeable changes, therefore, the organization must have a strategy in place to handle those problems 3.2 Orientation for development of CT Group Recently, CT Group just went to an important milestone, which is the 30th anniversary CT Group was honored to receive the first-class Labor Medal awarded by the Vice President on June 29, 2022 This accomplishment is not only a reward but also a motivator for the organization to continue developing new initiatives and strategies for the future And the next development orientation for the next 30 phrases of CT group is to follow the trend of technology and modernization of the 4.0 revolution More specifically, there would be promoting, focusing and specializing in the current industries such as finance, retail, and moreover, expanding into new high-tech industries: medical and cell technology: the establishment of VIETNAM GENE & CELL TECHNOLOGY JSC (VGCT) TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP One of the other development directions recommended for CT Group in home loan is the establishment of home loan service in association with partner institutions/banks This strategy helps the company reduce time, human resources as well as strengthening the relationship between the business and the bank In addition, the lending is done from the bank would be more expertise, competence and reduces the risks, problems that may arise Aside from researching and developing many new industries, fields and strategies, the company still has to focus on the current activities, integrate commercial businesses and enhance retail operations to develop a framework for long-term growth; moreover, preserve and extend the existing domestic industry while expanding the international market judiciously 3.3 Recommendations for improvement of home loan credit appraisal of personal customers at CT Group 3.3.1 Improvement in human resource Human resource is one of the crucial factors in administration, as well as in finance activities and credit appraisal process in particular CT Group had applied the modern technology, equipment, machines and and using digitized information, improved product quality, promotional services, preferential policies for customers, on the contrary, meeting and exchanging with customers is typically accomplished between people, between PFO and client Furthermore, the appraisal process is fully conducted, investigated by the PFO As a result, focusing on human resources for the organization is a critical concern In the new technology era, having a workforce of qualified and professional staff is no longer enough, employees with the ability to adapt with the high-tech environment, analytical thinking and fluently using foreign languages and informatics is required Additionally, because CT Group is still fairly new to the financial field, it has to devote and put more effort into recruitment and training employees TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP To accomplish this, the recruiting processes should be simple and informative, and the HR department should respond quickly and energetically with candidates to foster a sense of belonging to the organization Consequently, the company should carry out regular professional training classes as well as instructions and assistance for PFOs to adapt with tasks and technology in their everyday job It is vital to complement the necessary expertise for employees so that the Group is constantly developing 3.3.2 Improvement in technology system Credit appraisal is a procedure that requires a high degree of accuracy, and it also takes a long time to conduct due to the many different processes taking place and the large amount of information that is collected Even with the help of technology, the system is still fairly rudimentary, and as a result, it cannot provide the greatest assistance for those in control who are in desperate need of an online system that allows staff to operate from a distance With this current trend, working online is increasingly popular because it saves time, is flexible and suitable for young people but still effective and extensively used throughout the world Therefore, updating technology will help the company catch up with modernization and technology trends, as well as attract more human resources in the near future Considering these information, CT Group should improve IT employee recruitment and training, as well as digitize the whole system so that departments may operate online in unison, effortlessly supporting one another Likewise, it is crucial to update their information storage system so that more information about prior customers may be saved, and it is better structured and available to all departments Over and above, the business should carry out a defined plan for investing in contemporary, advanced technological tools and providing sufficient training to their employees so that they can effectively utilize the features The deployment of the appropriate technology in management and information processing activities is essential for the development of operational processes Empowering to develop and TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP effectively exploit superior technological features will enable business operations to run better and save time for customers and employees CONCLUSION In the ambient of an integrated economy with several competing concerns, businesses are under the need of adapting and developing Understanding the current situation, CT Group has implemented a new approach to provide a superior customer experience and prospects while increasing product commercial potential, home loan service It is not only one of the company's indispensable, distinctive and distinguishing services in the real estate industry but also brings very high efficiency for institutions, promoting the enterprise's business in associated industries And during the home loan process typically conducted by the Personal Finance Division, credit appraisal is the critical part of the procedure, which ensures the business’s efficiency of credit management and evaluates the risk The report has pointed out the overview and importance of the home loan process, primarily the second step, the credit appraisal procedure of CT Group The report has illustrated the characteristics of the activities in order to create not only an overall but quite fully and comprehensive overview of this profession Overall, the credit appraisal process of home loan in CT Group brings about many opportunities and benefits, which is considered as reasonable, concise, clear, fully functional, coherent and confidential Nevertheless, like the other enterprises, the limitations from internal and external aspects can not be denied The expansion of pandemic, network security risk and the demand for potential human resources are some considerations for the company to exert further efforts and appropriate judgment The 4.0 technological revolution provides multiple potential and prospects, therefore, the company is day by day making continuous efforts to develop and innovate to adapt with the modernization and face obstacles and challenges TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP Finally, during my internship at CT Group, I am very pleased to be a part of the Personal Finance Division, Department of Finance This internship period is genuinely a brilliant opportunity for me to learn about the real working environment This report “Home loan credit appraisal and lending for personal customers at CT Group” is based on documents, data given by the business and throughout my observation I truly appreciate and hope my suggestions may contribute to enhancing the company's credit evaluation procedure TIEU LUAN MOI download : skknchat123@gmail.com moi nhat MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP MID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUPMID.COURSE.INTERNSHIP.REPORT.HOME.LOAN.CREDIT.APPRAISAL.AND.LENDING.FOR.PERSONAL.CUSTOMERS.AT.CT.GROUP