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MSB – Ngân hàng TMCP Hàng Hải Việt NamMSB – Ngân hàng TMCP Hàng Hải Việt Nam

What loan benefits do I receive when becoming a Priority Banking member?

MSB not only provides a loan but also offers an effective financial solution designed specifically for Priority Banking customers, who are creating value and shaping their future vision. Loan limit of up to VND 150 billion Approval within 8 hours No requirement for income verification Principal grace period of up to 36 months Complimentary beautiful […]

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If an enterprise applies for secured financing, what is the maximum financing ratio?

Financing of up to 280% of the collateral value may be granted, subject to asset valuation and the Bank’s approval.  

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What financing products are available under this solution?

MSB provides comprehensive financing packages, including: Loans, Issuance of bank guarantees, Letters of Credit (L/C)

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What is the current interest rate for enterprises trading in metal products?

The applicable interest rate for each enterprise depends on the Bank’s internal credit rating, the loan amount, and the banking services utilized. For detailed consultation on the interest rate applicable to your enterprise, please leave your contact information and the Bank will contact you upon receipt.

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My revenue last year was VND 50 billion, and it is projected to reach VND 100 billion this year. How much can I borrow?

The loan amount is determined based on the customer’s actual funding needs, debt repayment capacity, and financial management capability, subject to the Bank’s credit assessment and approval.

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Can I borrow in USD, as my imports are settled in USD?

Yes. USD-denominated loans may be granted provided that the enterprise has import and export activities in compliance with applicable foreign exchange regulations.

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Besides unsecured financing, can I obtain financing secured by collateral?

Yes. Businesses may obtain loans secured by collateral, with financing value of up to 280% of the appraised collateral value

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What is the approval and disbursement timeline?

Express credit facilities based on the enterprise’s reputation: up to VND 15 billion, approved within 3 working days. Comprehensive credit facilities of up to VND 200 billion: approval within 10 working days.

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Does the Bank provide unsecured credit facilities?

Strong revenue performance. Transparent and stable cash flows. Good credit history. The Bank may consider granting unsecured credit facilities of up to VND 200 billion; The remaining limit may be secured by collateral such as real estate, inventory, or receivables.

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What working capital financing solutions are available for enterprises importing pharmaceuticals and medical equipment?

Revolving working capital facilities with a tenor of up to 12 months; Import financing via TTR, deferred L/C, and UPAS L/C; Financing based on sales contracts with hospitals/pharmacy chains of up to 100% of input costs.  

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