I assess the eye in regards to our Personal Instalment Financing to the a good reducing balance
Cost
Customer part
Loan amount
Amount borrowed >= VND two hundred billion
Staff Financial Service (EBS) users 2
% p.an excellent.
% p.good.
Biggest people
% p.an excellent.
% p.an excellent.
Other customers
% p.a beneficial.
% p.a.
Customers phase
Personnel Financial Services (EBS) people dos
Loan amount
% p.a.
Amount borrowed >= VND 2 hundred million
% p.a beneficial.
Consumer segment
Largest customers
Loan amount
% p.a good.
Amount borrowed >= VND 2 hundred million
% p.a great.
Consumer section
Other customers
Loan amount
% p.a great.
Amount borrowed >= VND two hundred mil
% p.good.
Percentage method of
Percentage speed
Application percentage
ten0 % free
Late percentage rate of interest
150% from applicable interest rate and you will charges on the overdue concept
Early commission commission
3% towards prepaid service concept (merely full installment try enjoy)
Payment type
App fee
Fee rate
Free
Fee style of
Late commission interest rate
Fee rate
150% out of applicable interest and charge into delinquent idea
Commission types of
Very early payment percentage
Fee rate
3% for the prepaid principle (just complete fees is actually enjoy)
Example of interest formula
Day
Concept
Appeal
Instalment
1
5,000,100000
cuatro43,83six
5,
Place for ADS
443,836
2
5,000,100
443,836
5,443,836
3
5,100,100000
443,836
5,443,836
4
5,100,100
443,836
5,443,836
5
5,100000,000
443,836
5,443,836
6
5,one hundred thousand,000
443,836
5,443,836
eight
5,000,000
443,836
5,443,836
8
5,000,100000
443,836
5,443,836
nine
5,100,000
443,836
5,443,836
10
5,one hundred thousand,000
443,836
5,443,836
eleven
5,100,100000
443,836
5,443,836
a dozen
5,100000,100000
443,836
5,443,836
Total
sixty,one hundred thousand,100000
5,326,027
65,326,027
Month
1
Principle
5,100000,000
Interest
443,836
Instalment
5,443,836
Month
2
Principle
5,000,one hundred thousand
Interest
443,836
Instalment
5,443,836
Month
3
Principle
5,100000,100000
Interest
443,836
Instalment
5,443,836
Month
4
Principle
5,100000,000
Interest
443,836
Instalment
5,443,836
Month
5
Principle
5,100,100000
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,one hundred thousand,000
Interest
443,836
Instalment
5,443,836
Month
8
Principle
5,000,one hundred thousand
Interest
443,836
Instalment
5,443,836
Month
9
Principle
5,100,100
Interest
443,836
Instalment
5,443,836
Month
10
Principle
5,100,000
Interest
443,836
Instalment
5,443,836
Month
11
Principle
5,100,000
Interest
443,836
Instalment
5,443,836
Month
12
Principle
5,100000,100000
Interest
443,836
Instalment
5,443,836
Month
Total
Principle
sixty,100,one hundred thousand
Interest
5,326,027
Instalment
65,326,027
Month
Principle
Interest
Instalment
1
cuatro,576,165
788,548
5,443,568
2
cuatro,763,722
727,370
5,443,568
3
4,799,962
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
sixty,one hundred thousand,one hundred thousand
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
4,840,852
Interest
602,590
Instalment
5,443,568
Month
5
Principle
4,868,533
Interest
538,968
Instalment
5,443,568
Month
6
Principle
4,984,294
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
sixty,000,100
Interest
5,242,568
Instalment
65,242,568
Whilst desire paid down to your cutting equilibrium mortgage appears large, it truly is less than the interest reduced to your fixed balance mortgage, on account of some other focus calculation strategies.
Внимание! Всем желающим получить кредит необходимо заполнить ВСЕ поля в данной форме. После заполнения наш специалист по телефону предложит вам оптимальные варианты.
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