Trong thoi dai hien nay, nhu cau vay tieu dung cua nguoi dan ngay cang tang cao de dap ung cac nhu cau thiet yeu trong cuoc song. Vay tieu dung theo luong la mot trong nhung giai phap tai chinh duoc nhieu nguoi lua chon vi tinh linh hoat va tien loi. Trong linh vuc ngan hang, VPBank la mot trong nhung don vi cung cap san pham vay theo luong co uy tin va chat luong. Hay cung tim hieu ve giai phap vay tieu dung theo luong tai VPBank nhe.

Tinh nang va uu diem cua vay tieu dung theo luong

Vay tieu dung theo luong la san pham vay von ca nhan duoc cung cap boi cac ngan hang, cho phep khach hang vay mot khoan tien tuong doi lon trong vong 1-5 nam de dap ung cac nhu cau tieu dung nhu mua sam, du lich, trang trai chi phi hoc tap, thanh toan cac khoan no khac... Voi VPBank, khach hang co the vay tu 20 trieu den 500 trieu dong voi thoi han vay linh hoat tu 12 den 60 thang.

Mot trong nhung uu diem cua san pham vay tieu dung theo luong la tinh linh hoat trong viec dinh nghia nguon thu nhap cua khach hang. Khong nhu cac san pham vay khac, vay tieu dung theo luong khong yeu cau khach hang phai co tai san dam bao, ma chi can co thu nhap chinh thuc tu cong ty hoac doanh nghiep de dam bao kha nang thanh toan khoan vay. Dieu nay giup cho khach hang khong phai lo lang ve viec the chap tai san hay giay to phap ly khi vay tieu dung.

Ngoai ra, VPBank cung cung cap nhieu goi vay voi lai suat uu dai va linh hoat, giup khach hang co the lua chon san pham phu hop voi nhu cau va kha nang tai chinh cua minh. Thu tuc vay don gian, thoi gian xet duyet nhanh chong cung la mot trong nhung uu diem cua san pham nay.

Dieu kien va thu tuc vay tieu dung theo luong tai VPBank

De co the vay tieu dung theo luong tai VPBank, khach hang can dap ung mot so dieu kien co ban nhu sau:

• Do tuoi tu 22 den 60 tuoi


• Co thu nhap chinh thuc tu cong ty hoac doanh nghiep


• Thoi gian lam viec toi thieu 6 thang doi voi cong ty tu nhan, 3 thang doi voi cong ty nha nuoc hoac tap doan


• Khong co no xau tai cac to chuc tin dung

De don gian hoa qua trinh vay, khach hang chi can chuan bi cac giay to can thiet nhu:

• Chung minh nhan dan hoac ho chieu


• So ho khau hoac giay to xac nhan tam tru


• Bang luong hoac giay to xac nhan thu nhap tu cong ty


• Hop dong lao dong hoac giay to xac nhan viec lam

Cach thuc vay tieu dung theo luong tai VPBank

De dang ky vay tieu dung theo luong tai VPBank, khach hang co the thuc hien cac buoc sau day:

1. Goi dien hoac lien he truc tiep tai cac chi nhanh, phong giao dich cua VPBank de duoc tu van va dang ky vay


2. Hoan thanh ho so vay va nop cac giay to can thiet


3. Cho doi ket qua xet duyet tu VPBank


4. Sau khi duoc thong bao ket qua, khach hang co the nhan khoan vay va bat dau thanh toan theo ke hoach da thoa thuan.

Ket luan

Vay tieu dung theo luong tai VPBank la mot giai phap tai chinh linh hoat va tien loi cho nhung nguoi co nhu cau vay von de dap ung cac nhu cau tieu dung ca nhan. Voi cac uu diem vuot troi ve tinh linh hoat, lai suat uu dai va thu tuc don gian, san pham nay dang duoc nhieu nguoi lua chon va tin dung. Neu ban dang co nhu cau vay tieu dung theo luong, hay den voi VPBank de co duoc su tu van va ho tro tot nhat.

VPBank la mot trong nhung tap doan tai chinh hang dau tai Viet Nam, voi hon 30 nam hoat dong trong linh vuc ngan hang va tai chinh. Voi su menh "Vi mot Viet Nam thinh vuong", VPBank luon dat loi ich cua khach hang len hang dau va khong ngung cai tien va doi moi de mang lai nhung dich vu tai chinh tot nhat cho khach hang. Voi he sinh thai mo rong khac biet, VPBank dap ung day du nhu cau cua khach hang voi cac san pham va dich vu da dang nhu ngan hang ban le, ngan hang thuong mai va dau tu, bao hiem, tai chinh tieu dung, quan ly tai san va dau tu. Dac biet, VPBank con co nhung giai phap tai chinh dot pha va hieu qua cho doanh nghiep va cac to chuc. Voi mot lich su phat trien ben vung va uy tin, VPBank da va dang la doi tac tin cay cua hang trieu khach hang tren khap ca nuoc. Dieu nay chung to su cam ket cua VPBank trong viec mang lai gia tri that su cho cong dong va dong gop tich cuc vao su phat trien kinh te - xa hoi cua Viet Nam.