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

What working capital loan products does the bank offer for EVN contractors?

Loans under the EVN Contractor Supply Chain Financing product. Working capital loans with a revolving credit limit of up to 12 months.

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Is insurance required for collateral during the loan period?

Depending on the type of collateral. For example, machinery, equipment, or production lines may require insurance. Customers must maintain valid insurance coverage throughout the loan period.

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If a customer plans a medium- or long-term loan to acquire equity in another company, will MSB consider financing?

Yes. MSB considers medium- and long-term financing for both direct investment (where the customer is the investing enterprise) and indirect investment (where the customer contributes capital or acquires equity in another enterprise).

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Where can customers track their loan after MSB disburses the funds?

Customers can manage their loans anytime, anywhere through: The MSB mBank app (showing principal balance, interest, and repayment schedule). Contacting an MSB branch or hotline for detailed assistance.

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Can credit limits based on direct cash flow commitments be granted to customers in all industries?

No. Direct designated cash flow limits are not granted for customers operating in the construction sector.

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What is the maximum loan tenor?

The loan tenor depends on the business cycle, business plan, capital recovery period, and the customer’s repayment capacity, but must not exceed 12 months per debt agreement. 

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Can financing be provided based on offtake contracts without a fixed contract value?

Yes. It may be applied to export plans where the quantity of goods can be determined, such as in cashew processing or coffee wholesale/production industries.

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What is the repayment period for factoring financing?

The repayment period must not exceed 60 days for domestic factoring and 120 days for international factoring.

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How are receivables determined?

Receivables are determined based on the claim amount stated in the document set or the payment claim value in valid supporting documents in accordance with applicable regulations.

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Does MSB provide factoring for domestic receivables?

Yes. MSB provides factoring for both export and domestic receivables.

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