Rates

Consumer segment	Loan amount	Loan amount >= VND 200 million
Worker Banking Provider (EBS) consumers dos	% p.a.	% p.a great.
Prominent customers	% p.an effective.	% p.a.
Other customers	% p.an excellent.	% p.a beneficial.

Buyers part	Employee Banking Provider (EBS) customers dos
Amount borrowed	% p.a good.
Amount borrowed >= VND 2 hundred million	% p.good.
Customer phase	Biggest users
Amount borrowed	% p.good.
Amount borrowed >= VND 200 mil	% p.an excellent.
Customers part	Other customers
Amount borrowed	% p.a good.
Amount borrowed >= VND 200 million	% p.a beneficial.

Fee sorts of	Fee speed
Application payment	Totally free
Later fee rate of interest	150% regarding relevant interest and charge on delinquent concept
Very early percentage fee	step step three% to the prepaid concept (only complete repayment is actually greeting)

Commission particular	Application percentage
Fee price	Free
Commission style of	Late commission interest
Payment speed	150% regarding relevant rate of interest and you may charge on the delinquent idea
Fee type of	Very early commission payment
Payment price	3% to your prepaid idea (only complete repayment is anticipate)

Exemplory case of desire computation

Times	Concept	Focus	Instalment
1	5,100,000	cuatro43,83six	5,443,836
2	5,000,one hundred thousand	443,836	5,443,836
3	5,100,100	443,836	5,443,836
4	5,one hundred thousand payday loans Rock Hill SC,one hundred thousand	443,836	5,443,836
5	5,000,100	443,836	5,443,836
6	5,000,000	443,836	5,443,836
eight	5,one hundred thousand,100	443,836	5,443,836
8	5,100,100000	443,836	5,443,836
nine	5,one hundred thousand,one hundred thousand	443,836	5,443,836
10	5,100,one hundred thousand	443,836	5,443,836
eleven	5,100000,000	443,836	5,443,836
a dozen	5,100,100	443,836	5,443,836
Total	60,one hundred thousand,one hundred thousand	5,326,027	65,326,027

Month	1
Principle	5,000,100000
Interest	443,836
Instalment	5,443,836
Month	2
Principle	5,100,100000
Interest	443,836
Instalment	5,443,836
Month	3
Principle	5,000,100
Interest	443,836
Instalment	5,443,836
Month	4
Principle	5,000,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	5
Principle	5,100000,100000
Interest	443,836
Instalment	5,443,836
Month	6
Principle	5,000,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	7
Principle	5,100,100
Interest	443,836
Instalment	5,443,836
Month	8
Principle	5,000,100
Interest	443,836
Instalment	5,443,836
Month	9
Principle	5,000,100000
Interest	443,836
Instalment	5,443,836
Month	10
Principle	5,one hundred thousand,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	11
Principle	5,100,100000
Interest	443,836
Instalment	5,443,836
Month	12
Principle	5,100,100
Interest	443,836
Instalment	5,443,836
Month	Total
Principle	sixty,100,000
Interest	5,326,027
Instalment	65,326,027

Month	Principle	Interest	Instalment
1	cuatro,576,165	788,548	5,443,568
2	4,763,722	727,370	5,443,568
3	cuatro,799,962	665,387	5,443,568
4	4,840,852	602,590	5,443,568
5	4,868,533	538,968	5,443,568
6	4,984,294	474,509	5,443,568
7	5,020,310	409,203	5,443,568
8	5,088,488	343,039	5,443,568
9	5,166,818	276,006	5,443,568
10	5,213,838	208,091	5,443,568
11	5,312,600	139,284	5,443,568
12	5,364,418	69,573	5,363,325
Total	60,100000,000	5,242,568	65,242,568

Month	1
Principle	cuatro,576,165
Interest	788,548
Instalment	5,443,568
Month	2
Principle	cuatro,763,722
Interest	727,370
Instalment	5,443,568
Month	3
Principle	4,799,962
Interest	665,387
Instalment	5,443,568
Month	4
Principle	cuatro,840,852
Interest	602,590
Instalment	5,443,568
Month	5
Principle	cuatro,868,533
Interest	538,968
Instalment	5,443,568
Month	6
Principle	cuatro,984,294
Interest	474,509
Instalment	5,443,568
Month	7
Principle	5,020,310
Interest	409,203
Instalment	5,443,568
Month	8
Principle	5,088,488
Interest	343,039
Instalment	5,443,568
Month	9
Principle	5,166,818
Interest	276,006
Instalment	5,443,568
Month	10
Principle	5,213,838
Interest	208,091
Instalment	5,443,568
Month	11
Principle	5,312,600
Interest	139,284
Instalment	5,443,568
Month	12
Principle	5,364,418
Interest	69,573
Instalment	5,363,325
Month	Total
Principle	60,100,000
Interest	5,242,568
Instalment	65,242,568

Although the notice reduced on the cutting equilibrium loan looks highest, it truly is below the interest paid down on the repaired balance loan, on account of different notice formula methods.