Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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Consumer Overdraft

Flexible Finances – Greater Spending Freedom

What makes it special?

Product information

The Consumer Overdraft at MSB is:

A flexible financing solution that allows you to spend first and settle later, helping meet daily financial needs quickly and conveniently.
With an approved overdraft limit, you can continue making payments even when your account balance reaches zero. This ensures stable cash flow and gives you greater confidence in managing everyday expenses while maintaining effective financial control.

Tools

Loan Amount

VND

Interest Rate (%/p.a)

Term

Months

Loan Plan

Monthly payment from

1,510,000 - 510,000 VND

Total interest payable

10,510,000 VND

Loan Amount: 10,000,000 VND

Interest Rate (%/p.a): 12%/năm

Term: 12 tháng

Period	Principal	Interest	Total	Remaining Balance
Total	--	--	--	0

(*) Unit: VND

Frequently Asked Questions

Learn More

What is the monthly repayment amount?

16/03/2026

Loan repayment refers to the principal and interest amounts that the customer must pay for the loan.

What types of assets are accepted as collateral for the business loan?

16/03/2026

Customers may use the following assets as collateral for the loan: valuable papers, savings books, deposit balances, real estate, or transport vehicles.

Can MSB provide support if I do not have a business registration certificate

16/03/2026

MSB does not require a business registration certificate if the customer’s business activities are not legally required to register for a business license.

If the customer’s business is legally required to register but has not yet obtained a business registration certificate and/or relevant operating licenses, the customer must provide at least one of the following documents:

Tax payment receipts or other tax/fee payment documents.
Confirmation from the business management authority (e.g., market management board, shopping mall management, or local People’s Committee).
A written commitment to provide the business registration certificate within 6 months.

For customers conducting online businesses, proof of business activities such as orders on e-commerce platforms or bank account statements is sufficient. MSB may still provide financing of up to VND 1 billion.