Prices

Customers part	Amount borrowed	Loan amount >= VND 200 billion
Worker Banking Provider (EBS) consumers dos	% p.a good.	% p.an excellent.
Biggest consumers	% p.good.	% p.good.
Some other clients	% p.a good.	% p.a good payday loans Elizabethton TN.

Customers phase	Employee Financial Service (EBS) consumers 2
Loan amount	% p.a good.
Loan amount >= VND 200 billion	% p.a good.
Customers segment	Largest customers
Amount borrowed	% p.a good.
Amount borrowed >= VND 200 million	% p.an excellent.
Customers part	Other customers
Loan amount	% p.a good.
Amount borrowed >= VND 2 hundred million	% p.good.

Payment type	Fee price
Software fee	ten0 % free
Late payment interest	150% of appropriate interest and you can charges on the overdue idea
Very early fee fee	step step three% to your prepaid concept (simply full cost is actually greet)

Payment style of	Software commission
Payment rate	Free
Commission particular	Late percentage interest
Commission price	150% away from appropriate interest and you may fees to your overdue concept
Fee variety of	Early payment percentage
Commission rates	3% toward prepaid principle (only full payment was welcome)

Example of appeal calculation

Times	Idea	Attract	Instalment
1	5,000,one hundred thousand	cuatro43,83six	5,443,836
2	5,100000,one hundred thousand	443,836	5,443,836
3	5,000,100000	443,836	5,443,836
4	5,100000,100000	443,836	5,443,836
5	5,one hundred thousand,100000	443,836	5,443,836
6	5,one hundred thousand,000	443,836	5,443,836
seven	5,100,one hundred thousand	443,836	5,443,836
8	5,one hundred thousand,100000	443,836	5,443,836
nine	5,one hundred thousand,000	443,836	5,443,836
10	5,000,100000	443,836	5,443,836
eleven	5,000,100	443,836	5,443,836
several	5,000,100000	443,836	5,443,836
Total	sixty,000,100	5,326,027	65,326,027

Month	1
Principle	5,one hundred thousand,000
Interest	443,836
Instalment	5,443,836
Month	2
Principle	5,000,100000
Interest	443,836
Instalment	5,443,836
Month	3
Principle	5,000,000
Interest	443,836
Instalment	5,443,836
Month	4
Principle	5,one hundred thousand,100000
Interest	443,836
Instalment	5,443,836
Month	5
Principle	5,one hundred thousand,100
Interest	443,836
Instalment	5,443,836
Month	6
Principle	5,one hundred thousand,100000
Interest	443,836
Instalment	5,443,836
Month	7
Principle	5,100,100000
Interest	443,836
Instalment	5,443,836
Month	8
Principle	5,100,100
Interest	443,836
Instalment	5,443,836
Month	9
Principle	5,100000,100
Interest	443,836
Instalment	5,443,836
Month	10
Principle	5,one hundred thousand,000
Interest	443,836
Instalment	5,443,836
Month	11
Principle	5,one hundred thousand,100
Interest	443,836
Instalment	5,443,836
Month	12
Principle	5,one hundred thousand,100
Interest	443,836
Instalment	5,443,836
Month	Total
Principle	sixty,one hundred thousand,100
Interest	5,326,027
Instalment	65,326,027

Month	Principle	Interest	Instalment
1	4,576,165	788,548	5,443,568
2	4,763,722	727,370	5,443,568
3	cuatro,799,962	665,387	5,443,568
4	4,840,852	602,590	5,443,568
5	cuatro,868,533	538,968	5,443,568
6	cuatro,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	60,one hundred thousand,100000	5,242,568	65,242,568

Month	1
Principle	4,576,165
Interest	788,548
Instalment	5,443,568
Month	2
Principle	cuatro,763,722
Interest	727,370
Instalment	5,443,568
Month	3
Principle	cuatro,799,962
Interest	665,387
Instalment	5,443,568
Month	4
Principle	cuatro,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	60,one hundred thousand,100
Interest	5,242,568
Instalment	65,242,568

Although the appeal reduced towards the reducing balance mortgage seems high, it is below the eye repaid to your fixed harmony mortgage, on account of more focus formula strategies.