Thuyết trình lending products of commercial bank

Lending products of commercial bank Group www.googleslidesppt.com _ 30+ Ready Made Google Slides & PowerPoint Presentation for Free MEMBER - Nguyễn Tuấn Anh Nguyễn Mỹ Linh Lê Thị Minh Ngọc Nguyễn Thị Thu Trang Nguyễn Mỹ Hạnh Content Overview of types of lending product for customer Lending Product : SEABANK Documents Question Types of Loans Granted to individuals and families Residential loans   Residential mortgage loans 03 02 Term of loans: 15-30 years 01  Secured by the property itself Interest rate  Both fixed IR and floating IR that changes periodically with a specified base rate Have a commitment fee  1-2% of the face amount of the loan 04 05 Types of Loans Granted to individuals and families Nonresidential loans: Contrast to residential mortgage loans Installment loans Noninstallment loans Term of loans: short-term and medium-term loans Term of loans: short-term ( usually months or less) Repayable in two or more consecutive payments Repayable in a lump sum in maturity date Interest rate: usually is fixed IR Loan limits: small amounts and include charge accounts Purpose: buy big-ticket items or to consolidate existing household Purpose: cover the cost of vacations, medical care, the purchase of debts home applicances, and auto and home repairs 01 Characteristics of Consumer Loans  02 Interest inelastic  Profitable credits with “sticky” interest rates Consumer loans also tend to be cyclically sensitive 03  04 Most costly and most risky to meke per dollar  05 Education and income levels materially influence consumers’s use of credit  Evaluating a Consumer Loan Application DEPEND ON ARTICLES Income Levels Character and Purpose Employment and Residential Stability Deposit Balances Evaluating a Consumer Loan Application DEPEND ON ARTICLES Loan How to Quality for a Consumer Pyramiding of Debt Challenge of Consumer Lending Address • Headquartered at 25 Tran Hung Dao Street, Hoan Kiem District, Hanoi, SeABank is known as one of the leading commercial joint stock banks in Vietnam in terms of charter capital, distribution network, brand awareness and growth rate Over view Achivement Founded in 1994, SeABank has possessed a heritage of 22 years of development to build up its today great shape with charter capital of approximately VND 5,500 billion, total assets of nearly VND 100 trillion and a network of 160 branches and transaction points in 25 big cities and provinces across the country Mission • With aim of becoming a prominent retail bank in Vietnam, SeABank offers a rounded set of banking products and services to individual customers, SMEs and large corporations SeABank is committed to maximizing benefits for customers, returns for shareholders and ensuring sustainable development of the bank while contributing to the socio – economic development of the country Over view Vision SeABank desires to develop towards becoming a prominent retail bank of Vietnam and advancing to the model of a modern multi-functional banking-finance group with excellent product and service quality and corporate brand creditability LOANS SECURED BY PERSONAL DEPOSIT – SEAVALUE According to new regulation Characteristics and benefits Product strengths Collateral: Personal deposit: saving book, saving account, deposit certificate, deposit contract… released by SeABank Loan term: Duration of taken the loan fast How to apply • minimum: 01 day; •Valid identification/passport maximum: ½ remaining term of valuable papers in VND, •Competitive not exceeding 12 months for valuable papers in foreign currencies interest rates Loan application paper form SeABank Lending currency: VND Simple procedures Record of collateral : valuable papers originals are released by SeABank Loan limits: • 98% of valuable papers in VND the- demand for loanspapers immediately •To meet 75% 85% of valuable in foreign currencies converted into VND Other relevant documents depending on specific circumstances Loans for teachers Characteristics & benefits • Product strengths Customers are workers & employees currently working in the public schools, or the staff • nationwide provinces / cities except employees public, housekeeper, driving • Have time to work a minimum of 24 months at workplace (requires labor How to apply working at the Ministry of Education, the Department / Office of Education in the • • • Does not require collateral Loan term up to 60 months Loan limits up to 200 million dong Does not required pay wages through accounts at SeA bank contracts not specify the time limit for officials) • • • • Does not require collateral Loan term: minimum: 06 months; maximum: 60 months Loan limits: minimum: 10 million dong; maximum: 200 million dong Repayment method: can be applied to pay interest on the original loan • Loan application paper form SeABank • Legal records • Documents proving financial capacity and repayment sources Refinancing Loan Characteristics and benefits Product strengths Applicable to customers who are trading credit at other credit institutions, currently they have a need for credit transactions at SeA bank The is not the condition of being loaned by the credit institution to restructure the principal / interest (including adjustment of Tái loan tài trợ choinkhách hàng NH khác repayment period and debt extension) How to apply Loan application paperisform SeABanksupport for customers during the loan process Disbursement method diversified, Loan term: not exceeding the remaining loan term of the loan at other credit institutions and the regulations of SeA bank Legal records Purpose: loans to buy house, construction, repair house; loans to buy car to use Repayment method is flexible Loan limits: minimum : 500 million dong, and not to exceed the current outstanding balance of this loan at other credit institutions Documents proving financial capacity and repayment sources Accept many types of collateral Collateral: Real estate, movable property (already possess ownership / use certificate) of the customer Lending support to buy house Features & abilities of product Customer proposals to buy 70/m2 smaller unit costs 15 million/m2 OR total value less than 1.05 billion VND commercial social housing housing Customers have the minimum capital to participate in this project: • • Purchase, lease, hire-purchase housing :20% Renovation, construction, repairs :30% The minimum loan is 50 million VND , maximum loan is 700 million VND Loan maturity/Preferential interest rates: • • • • Buy house :15 years Lease/hire-purchase :15 years Build, housing repair :10 years Households and individuals to invest in renovation or new construction of social housing: 5years Lending support to buy house Strength of the product Loan Application • • • • Support for housing for low-income people, civil servants and state employees, armed forces Loan term up to 300 months, depending on the loan purpose Flexible repayment methods corresponding to each method of lending Preferential interest rate and fixed engaging up to 15 years • Loan application paper form SeABank • Legal records • Documents proving financial capacity and repayment sources • Own product profiles • Decision 877/2015/QĐ-TGĐ 03.12.2015 Reference Reference documents documents - Object personal loans business households registered business or individual business households without business registration Name of product: Additional loan capital for production and business for customers Pro - Time of lending • • • Lending credit limit: limit the validity period of 12 months - Purpose of lending: additional working capital Lending by Course: maximum 12 months Installment loans: maximum 60 months - Loan maximum 70% capital need - Repayment methods Features and abilities of product • • • Lending credit limit : monthly interest payment, principal payment at maturity Lending by Course : Interest paid monthly / quarterly / months principal payment at maturity Installment loans: Interest paid monthly Pricipal paid monthly/ quarterly Additional loan capital for production and business for customers Pro Product strengths Loan application Meet the need for additional capital loan production business Loan application paper form SeABank Loan term up to 60 months Reference documents Legal records Decision 2221/2014/QĐ-TGĐ 27/05/2014 Flexible repayment methods corresponding to each method of lending Documents proving financial capacity and repayment sources Decision 2222/2014/QĐ-TGĐ 27/05/2014 Competitive interest Question Anh A muốn mua Rangrover trị giá tỷ VNĐ Anh A tới SeaBank đề nghị cho vay dịch vụ SeaCar Hỏi số tiền anh A vay tối đa với TSDB xe C A A tỷ 700 triệu VND (95% Giá trị TSĐB) B B C tỷ 800 triệu VNĐ (80% giá trì TSĐB) D D tỷ 500 triệu VNĐ (75% giá trì TSĐB) tỷ 400 triệu VNĐ ( 90% giá trị TSĐB) Question Chị Lan muốn mua Chung Cư khu đô thị Linh Đàm khoảng 90m^2 với giá 1.8 tỷ Đồng.Căn Chung cư có sổ Hồng Chị Lan đến SeaBank đề nghị vay vốn ( dịch vụ SeaHome) với tài sản đảm bảo hộ chấp nhận cho vay với số tiền 1,5 tỷ đồng Hỏi kì hạn tối đa khoản vay chị Lan bao nhiêu? A 25 năm A C D B 20 năm B C 15 năm D 10 năm A Question Anh Long có sổ tiết kiệm trị giá 500 triệu đồng gửi từ ngày 1/1/2017 ( kì hạn tháng) Đến ngày 1/4/2017 anh Long có việc cần dùng đến tiền không muốn rút sổ tiết kiệm sổ chưa hết hạn anh Long Seabank đề nghị Vay tiền ( SeaValue) với TSĐB sổ tiết kiệm có Seabank Hỏi số tiền kì hạn tối đa anh Long chấp nhận vay bao nhiêu? A C A 490 triệu kì hạn tháng (98% Giá trị STK) C 490 triệu kì hạn tháng D B B D 450 triệu kì hạn tháng 450 tiệu kì hạn tháng (90% giá trị STK) Question Một khách hàng có tài khoản tiền gửi toán Seabank tài khoản Vietcombank Mức Lương tháng gần trả trực tiếp vào tài khoản bên Vietcombank 15tr/tháng Do cần tiền gấp khách hàng đến Seabank xin thấu chi tài khoản 40 triệu đồng Hỏi Seabank có đồng ý cho khách hàng sử dụng dịch vụ thấu chi tài khoản hay không? Tại sao? Question Một khách hàng có nhu cầu vay để mua thiết bị, nội thất nhà với số tiền 800tr TSĐB biệt thự thẩm định định giá tỷ đồng khách hàng đến chi nhánh Seabank Trần Đại Nghĩa đề nghị vay vốn với dịch vụ Seamore Biết tỷ lệ cho vay/TSDB tối đa 50% Hỏi chi nhánh Seabank Trần Đại Nghĩa khách hàng có chấp nhận vay vốn hay k? Nếu không có cách để khách hàng vay vốn với số tiền 800tr seabank k? Thank for your listening ... Mission • With aim of becoming a prominent retail bank in Vietnam, SeABank offers a rounded set of banking products and services to individual customers, SMEs and large corporations SeABank is committed... Pyramiding of Debt Challenge of Consumer Lending Address • Headquartered at 25 Tran Hung Dao Street, Hoan Kiem District, Hanoi, SeABank is known as one of the leading commercial joint stock banks... Name of product: Additional loan capital for production and business for customers Pro - Time of lending • • • Lending credit limit: limit the validity period of 12 months - Purpose of lending: