# Bank loan application service

We prepare and standardise bank loan applications for individuals and companies in Gia Lai province, from the CIC credit-history check to the day the bank releases the funds.

## Who handles this

Đinh Trang, specialist — over fifteen years in banking and finance, through several management roles: head of corporate customers and head of retail customers at a bank.

## What you need to provide

- Legal documents: valid CCCD identity card or passport, residence confirmation, marriage certificate or certificate of single status; companies also bring the enterprise registration certificate, the company charter and the legal representative's CCCD
- Evidence of repayment capacity: employment contract, salary statements, lease agreements or income from business activity; for companies, financial statements, tax returns, purchase and sale contracts and bank account statements
- Capital use plan: sale contracts, the intended business plan
- Collateral documents, for a secured loan: land use right certificate, vehicle registration or other instruments of value

## The process

1. Intake and advice — We listen, check your CIC credit history and assess up front how likely the file is to be approved
2. Designing the application — Choosing the bank and the type of loan that fit your file, your assets and the intended use of the funds
3. Preparing and standardising the file — Drafting, checking and ordering every document on the forms the bank actually requires
4. Appraisal — We stay with the file while the bank appraises it and values the collateral
5. Disbursement — We follow the file through to the bank releasing the funds

## Frequently asked questions

**Which types of loan do you handle?**
Unsecured loans (vay tín chấp); loans secured on real estate or a vehicle (vay thế chấp); working-capital loans for household businesses and micro-enterprises; and corporate loans, with the business plan and financial statements prepared with you.

**Is Sao Viet the lender?**
No. We prepare the file and follow it. The decision, the conditions and the timing belong to the bank, not to us.

**How long does it take?**
It depends on the bank and on the file, so we do not promise a number. What we control is a complete file, on the right forms, at the first submission.

**What if my CIC credit history is poor?**
We check CIC before starting. If the file is unlikely to be approved we say so straight away, instead of taking it on and leaving you waiting.

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Source: https://www.tuvansaoviet.vn/en/dich-vu/ho-so-vay-von-ngan-hang/