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DE NGHI VAY VON Flipbook PDF
DE NGHI VAY VON
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GIAY DE NGHI CAP TIN DyNG,DE NGHl PHAT HANH THE
BanK
TIN DUNG KIEM HQfP d6NG TIN DyNG
S6^f>i./2020/HDTD/PVB-PKHCLHCM3 Toi ("Ben vay") giii d6n Ngan hang TMCP Dai Chung Viet Nam CN Ho Chi Minh (PVcomBank)Giay d6 nghj cap tin dung, dd nghj phat hanh the tin dung kiem Hop dong tin dung (sau day gpi tSt la "Hcrp Ddng Tin Dung") vdi cac thong tin sau (phdn c6 ddu * Id thong tin bat buoc khai bdo): I. NHU CAU SAN PHAM,DICH VU DANG KY VA PHlKUNG AN VAY ]. □THE TIN DVNG
1.1. Loai the tin dicing dSng ky:
□ H^ng chuin
□ H^ng v^ng □ Hang Platinum
1.2. Han muc the tin dung de xuat*: 1.3. Ten in tren t rte c linh* (viet hoa khdng ddu):
1.4. Dap an cau hoi b^o mat* (Ten truang tieu hoc cua Toi): 1.5. Dja chi nhan th6 \k PIN*: □Tai chi nhanh nai md the
□Do can bo ngan hang tra □Theo dia chi dSng ky:
1.6. Ngay sao ke hang thang*: □ Ngay 5 hang thang □ Ngay 15 hang thang □ Ngay 25 hang thang 1.7. Tinh nSng thanh todn tren Internet: Tmh ndng thanh todn tren Internet mac dinh khoa khi the dicpc kich hoat
1.8. Dang ky md tinh nSng thanh toan tren Internet khi the dugc kich hoat: □Thd chinh □ Tht phu 1 □ The phu 2 1.9 Dang ky phat hanh the phu (neu cdn): Ho ten chu the phu 2: Ho ten chii the phu 1: Gidi tinh: □ Nam □ NO'
Gidi tinh: □ Nam □ Nil
CMND: Nai cap: Nai sinh: DTDD: Email:
CMND:
Ngay cap: / / Ng^y sinh: Qudc tjch:
/
/
Ng^y cap:
Nai dp:
Ngay sinh:
Nai sinh: DTDD:
Quoc tjch:
Email:
Dia chi lien lac:
Dia chi lien lac:
Quan he vdi chii the chinh:
Quan he vdi chu the chinh:
MBOl - Gily
/ /
nghj c6p tin dyng,
nghj phai h^nh the tin dyng kiem Hgp dong tin dyng 1/6
2.[^THAu CHI 2.1. Han mijc thau chi dang ky*; ^ CO^OOO,000ct" 2.2. Thai han ban mirc*: 42- thdng
2.3. Muc di'ch: Q^ieu dung □ Khic 3. DVAY TRA GOP
3.1. So ti^n d^ nghj vay*:
Thdi gian vay*:
3.2. Muc dich*: □ Tieu dung 3.3. Tong chi phi phirong dn:
thdng
DKhdc^ Von tu c6:
3.4. Hinh thuc nhan ti6n vay:
□Chuyen khoan v^o TK s6: Ten chu TK: Tai Ngan hang: □ Khac
3.5 Ke khai muc dich sir dung von*: STT
S6 lirgng
Kho&n muc
Don gi^ (VND)
Th^nh ti^n (VND)
Chi chu
T^ng cgng •—
wxv"*
rvj' "tyt, "tyt yt*i nuuL. tuun uy iuri pnurfi Cflu vuy lyl r vcumDurlK,
bao gom: vay tra gop, thdu chi va the tin dung. Tntang hap khdch hang tich liea chgn dang ky sir dung sdn phdm, khdch hang thirc hien khai bdo ddy du cdc thong tin vd dang ky cdc dich vu tuang ung kern
theo sdn phdm. DVKD c6 the xoa bat cdc sdn phdm cho vay khong tdi sdn bdo ddm do Khdch hdng
khong chon.
^ ^ Ddp an cdu hoi bdo mat nhdm muc dich giup Ngdn hdng nhdn biet Khdch hdng doi vai cdc dich vu
ho tra qua kenh Tong ddi chdm soc vd hd tra khdch hdng. 4. dAng ky thu noatrich no to DONG*
Toi de nghi dirge thu ng/tn'ch ng tg dong tir Tai khoan trich no tai PVcomBank
s6: .dQ/l..Q.0.0i.Si..9.3:2de thanh todn cho cac nghTa vu cua toi tai PVcomBank nhir sau:
oan bg g6c/l3i cua khoan vay tra g6p M Toan bg goc/lai cua khoan thau chi;
D_32Tetin^^yngj__^GiaJnJhanM
theo guy djnh cua PVcomBank □ Toan bo dir ng
11.THONG TIN C A NHAN KUA BI-.N VAY VA V O/CHONC; CUA BEN VAY) Ho ten ben vay*: Hg ten Vg/Chong:
Gidi ti'nh*: □ Nam ^NO
Giai tinh: H^Nam □ NO"
Giay tdtuy than*:
□ CMND/CCCD: .^^5...O.U.if..4.0^ ^ ^
Giay tdtuy than:
Ngay c4p:06/.Q7.i2
Ngay c^p: CfJ.^.Qll/^'f.^Nai cap: .(•:A..T^,:dOM
□ Hg chi6u (neu c6): Ngay cap: / / Nai cap: MBOI - Gily
^
EfCMND/CCCD:
□ Hg chieu (nlu c6):
Ngay c^p: / /
Nai cap:
nghj cdp tin dyng, dh nghj phit h^h ihd tin dyng kilm Hcfp d6ng tin dung 2/6
□ Chiirng minh nganh (neu c6): Ngay cap; / / Nai cap: _
□ Chumg minh ng^nh (neu c6):
Ngay cip:
/ /
Ncri c4p: _
\lAi\>Ngay
sinh: Quoc tjch: _
Ng^y sinh*: Qudctjch*: Vj?tNam DTDB*:
Nai cong t^c:
DT CO dinh:
Chiic vu
Email:
DTDD*:
/
/
Nai sinh:
III. THONC; TIN KIIAC Cl A BKN VAV
□ THPT
Hoc win*: □ THCS
0 CD/Dai hoc
□ Sau Dai hoc
Da lap gia dinh □Lydi/G6a
Tinh trang hon nhan*: □ Doc than S6 nguai phu thuQC*:
DNha bo me^ "Sn 0^ha rleng ^
Loai nha a hien tai*:
j^Nhathue Cungytirnam
Dia chi hien tai*:
Ho khSu thuQfng tru*: H^Trung v6i dia chi hien tai □ Khac (ghl r6): IV.THONC; TIN NGHE NGHIKI*
Tinh trang vi?c lam*: 0 Toan thai gian □ Ban thai ^an □ Chu doanh nghiep □ Khac Loai 3ai hinh DN*: ^
-j -ft]
^
Djachi*:^ M^gc: "]i/l ^ UCM Chuc vu: 1^1^ Z\/??^n[>Vlfeigfi^^hdi giaiT^cong tac: '■Q.(fnam .■..■ tha thang Loai hinh hap d6ng*1 0^Khong thai han □ Co thdi ban: V. THONG TIN NCJUOl LIEN HE (KHONG PHAI VO/C HONG
Ho va ten*:
BTDQ*:D!)i^JM-U/lT
N((jUf
f
Quan he vdi ben vay:
^ DTc6dinh:
M^ltU
, ^ i
Dja chi lien lac*: VLTHONG TIN TAi eHlNH
Tong cpng thu nhgp hang thdng (A) Thu nhap tu luang
'ij egg, f) 00 oj-
Cho thue
Lgi nhuan kinh doanh
Thu nhap khac Tong cpng chiphi hang thdng (B) Chi phi sinh hoat
Chi phi v6n + lai vay Ian nay Chi phi khac Chenh Ipch ngudn trd n(r(A-B)
•5'.^rVP, OOP rf-
g.^aC, Onot1-
VTI.BAO HIEM KHOAN VAY (OOl vOl CAC SAN PHAM CO gAN KET BAG HIEM KHOAN VAY)
Toj Toi da' da doc hi6u cac dieu khoan bao hiem va dong y tham gia bao hiem khoan vay H Co
□ Khong
VIII. XAC NHAN CUA BEN VAY
1. Toi xac nhan ring cac thong tin tren la dung su that, chinh x^c ve moi khia canh, phu hop vdi thirc te phat sinh. Toi chju hoan toan trach nhiem doi vdi cac thong tin da cung cap. PVcomBank cd quyen MBOl - Gily de nghj dp tin d\ing, d6 nghj phat hinh the tin dyng kiem Hgp d6ng tin dyng 3/6
xac minh/tham dinh cac thong tin Toi cung cap trudc khi quyet djnh cip tin dung tir bat ky nguon thong tin nao 2.
NgSn hang khai thdc.
Toi xac nhan dS doc, hieu r5
dong y bj rang buoc bdi cdc quy djnh trong ban "Diiu khoan, diSu
kien ve cdp tin dung vo phdt hanh, sir dung the tin dung tgi PVcomBank"(sau day goi la "Didu Khoan Va Di6u Kien") dugc d^ng tai tren trang thong tin dien tii cua PVcomBank (Website: https://pvcombank.com.vn). Toi dong y ring PVcomBank c6 to^ quyen sua doi, bo sung noi dung tai Dieu Khoan Va Dieu Kien de phu hop vdi quy djnh phap luat c6 lien quan va quy dinh npi bp cua PVcomBank tirng thoi ky. Toi hieu rang ban Dieu Kho^n Va Dieu Kien la mot bp phan khong tach roi cua Hop Dong Tin Dung, rang buoc ve mat phap ly va c6 hieu luc gi&a Toi v^ Ngan hang lien quan den khoan vay v^hoSc the tin dung cua Toi tai PVcomBank tu thai diem Toi ky vao Hop D6ng Tin Dung nay. 3.
Neu Hpp D6ng Tin Dung cua Toi dupe chip thuan va ky kit, PVcomBank se c6 toan quyin quyet djnh thai han vay, so tien vay, han muc thau chi v^o^c han muc the tin dung c6 thi khac vdi yeu cau cua Toi tai muc I {Nhu cdu sdn phdm, dick vm dang ky vd phucmg an vay) cua Hop Dong Tin
Dung nay va Toi bing vSn ban nay dong y va chap thuan vdi cac quyet djnh phe duyet tin dung cua Ngan hang. 4.
5.
Toi xac nhan chiJ ky dudi day la ch& ky ma Toi sd dung cho tat ca cac giao djch lien quan din mpi san pham, djch vu cua T6i tai PVcomBank. Trong trudng hap chir ky cua Toi theo Hpp Dong Tin Dung nay khdc vdi chu ky da dang ky trudc dd tai PVcomBank thi chu ky cua Toi tai Hop Ddng Tin Dung nay se la chd ky cd hipu luc va dupe su dung di thay the cho cac mau chu ky da dang ky tai PVcomBank (neu cd) tren tat ca cac chung tir giao dich Toi thuc hien true tiep tai PVcomBank. Toi chiu mpi trach nhiem va nghTa vu lien quan den khoan vay tra gdp va/hoac thau chi va/hoac the tin dung thong qua viec su dung so tien giai ngan cua khoan vay tra gdp va/hoac thau chi va/hoac sir dung th6 tin dung ma Toi dupe cap.
6.
Toi cam ket tuan thu dung cdc quy dinh khdc cua PVcomBank lien quan den khoan vay tra gdp va/hoac thau chi va/hoac the tin dung cua Toi. Trong trudng hop Toi vi pham nhung cam kit tren, Toi xin hoan toan chju trach nhiem trudc phap luat va PVcomBank.
7. Cam ket khac:
IX.KY XAC NHAN VA CHU KY MAII CUA KHAC H HAm;W^NQh\ Xac nhan cua Ben Vay Ch& ky
Ho ten
Chu ky mau cua chu thd iphu 1 Chu ky mdu thu I Chu ky mdu thu 2
k dll:
ChO' ky mau ciia chu thd phu 2 Chu ky mdu thu 1 Chu ky mdu thu 2
X. PHAN DANH CHO NCAN HANf;
Ten Dan vj tiep nhan ho sa: PVcomBank CN TP Ho Chi Minh
MBO1 ■ Giay dS nghj dp tin d\mg, dg nghj pWt
ihd tin dyng kiem H«7p d6ng tin dyng 4/6
1. Thong tin kho^ □ 1.1. THE TIN DVNG: vay
a. Loai th^: b. Han muc th6:
Bang so:
Bang chO:
c. Lai suit tai th^ifi diem ky Hop d6ng Tin Dung:
nam va dirge dieu
chinh theo quy djnh cua PVcomBank trong timg thW ky. d. Ngay sao ke hang thdng: e. Dang ky tn'ch no tu dgng: f.
Gia tri trich ng: Gia tri trhanh todn t6i thieu
g. Phi, Phi tra ng tru6c han va cac lo^i Phi khac: ap dung theo quy dinh cua PVcomBank tirng thai ky.
c/i.2.THAL'CH1: a. Han miic lhau chi (sau day vieuit la "HMTC"): Bang so:
^
Bang chO": U. ^ rib?) b. Thai han HMTC: .
c. Muc dich: thanh toan tien hang hoa, djch vu, cac khoan phai tra va cac muc dich tieu dung hgp phap cua Chu Tai Khoan thong qua thuc hien dich vu thanh toan tren tai khoan thanh toin theo quy dinh cua phdp lu^t.
d. Tai Khoan Thau Chi: la tai khoan s65rPj.QP.Q.Q.?.0.(T3l[)....cua Ben Vay ma tai PVcomBank.
e. Dong tien giai ngan: VND h. Hinh thirc giai ngan: PVcomBank giai ngan HMTC true tiep vao Tai Khoan Thau Chi cua Ben Vay.
i. Phuang thijrc thiu chi (phuang thuc rut von): Ben Vay sir dung HMTC thong qua viec su dung Tai Khoan Thau Chi tai PVcomBank.
j. Lai suit thiu chi tai thdi diim ky Hgp ding Tin Dung'Ji'.3i) %/-nam. - Lai suit thiu chi dugc dieu chinh 03 thang 1 lin va se do PVcomBank quyit djnh dieu chinh hoac khong dieu chinh trong tirng thai ky va dugc ap dung theo cong thirc:
Lai sudt cho vay = Lai sudt co so + Bien do '\ V %/nam. j. Tra ng goc: ' - Ben Vay nop tien mat/chuyin khoan vao Tai Khoan Thau Chi; hoac
PVcomBank tn'ch tien tir Tai Khoan'lP.dO.OQ.4.9^Z.Sr^2». cua Ben Vay di thu ng tren ca sa Ben Vay da dang ky dich vu thu ng thau chi tu dong theo quy dinh cua PVcomBank.
k. Tra ng lai: Thai han tinh lai khoan vay thiu chi dugc tinh tir ngay phat sinh
giao djch c6 sir dung HMTC va dugc tra dinh ky vao ngay .2^. hang thang (ngay tra lai thiu chi trong ky). Ngay thanh todn cu6i cimg la ngay kit thuc Thcri han HMTC. 1. Phi, Phi tra ng truac han va cac loai Phi khac: ap dyng theo quy djnh cua PVcomBank tirng thai ky. □ 1.3. VAY TRA G6P:
a. S6 tiin cho vay: Bang so:
MBOl - GiSy d6 nghj dp Un dung, dl nghj phat h^h Ih^ tin dyng kiSm Hgrp d6ng tin dung 5/6
Bang ch&:
b. Th6i ban cho vay:
c. Lai su4t cho vay tai th6i diem ky Hgp dong Tin Dyng: Tir ng^y ngay chinh
lai suat bang: thang/laHj bang
%/nam. Tir ng^y %/nam.
den
, LSi suat dirac dieu
Lai suat sS do PVcomBank quye dinh dieu chinh ho$c khong di6u chinh trong tung th^fi ky va dugfc ap dung theo cong thuc: Lai suat cho vay = Lai suat ca sa + Bien do %/nam.
d. e. f. g.
Muc dich su dung von: Ngay giai ngan/du kidn giai ngan: Tai khoan giai ngan: Phuong thuc giai ngan: □Chuyen khoan: Ngu6i thu hudTig: So tai khoan: Tai:
□Hinh thuc khac:
h. Phuong thuc tra no:
- Ky ban tra ngr goc: Ben vay phai tra deu ncr g6c lam ky vao ngay hang thang. Moi ky c6 thai ban 01 thang , ngay kk thuc ky cuoi cung la ngay kk thuc Thai Han Cho Vay. So tien tra ng g6c tu ky
ddn ky
la
VND
ddn ky
la
VND
(Bang chO:
So ridn tra ng goc tu ky
( Bang chO": ) - Ky ban tra ng lai: thuc hien tra lai vao ngay .... Hang thang cimg vdi ngay tra ng goc. So tien lai cua ky lai cuoi cung sB dugc tra vao ngay tra ng goc cuoi cung. -
Ngay tra no dau tien:
/
/
i. Phi, phi tra ng truac han va va loai phi khac: ap dung theo quy dinh cua PVcomBank tung thai ky. j. Noi dung khac:
Miliini 1 1 ni n
A^
yo0c nh^-l«®t^^n^U/lI iSLra
Chuyen vien KHCN/ RM (Ky va ghi ro ho.
am m -
Nguai kiem soat (Ky va ghi ro ho ten)
jldwSkSlisitSkit. mmmy in Li nguai d$ii di^n theo iiy quy^n ciia PVcomBank du