Requirments:

• To have employed or run business for more than 6 months and incomes to prove your financial capacity to repay the loan.

• A clean credit history with no negative records from other banks, financial institutions, individuals, and legal entities is essential.

• Cosigner (if necessary).

Required documents:

1. Application form for consumption loans (request from XacBank branch office or download here)

2. Social Insurance (if employed)

3. Salary reference for the applicant and the family members,

4. Evidence of business income for family members, if any; Ownership certificate for collateral assets;

5. Cosigner (if necessary)