- Meet the capital need exceeding deposit balance without closing such deposit account.
- No need of collaterals.
- Competitive interest rates.
- Flexible overdraft limit granting: max. VND100 million/customer.
- Overdraft limit period: up to 12 months.
- Quick, simple procedures.
- From 18 years old to 55 years old for female and 60 years old for male at the time of finalizing overdraft limit.
- Without collaterals: Permanent residence/long-term temporary residence or have business operation at the same location with lending SCB (sub)branches.
- Not be classified as group 2-5 within 12 months (at the time of loan appraisal).
- Having at least 03 months of payroll payment via current account at SCB.
Information on product and service policies is only for reference and may change from time to time. Please contact your nearest SCB branch or hotline 1900 6538 for advice.