Costs

Customer sector	Amount borrowed	Loan amount >= VND 200 billion
Employee Financial Services (EBS) people 2	% p.a great.	% p.a beneficial.
Biggest consumers	% p.a.	% p.good.
Some other clients	% p.a.	% p.a great.

Customer sector	Staff Banking Services (EBS) customers dos
Amount borrowed	% p.an effective.
Amount borrowed >= VND 2 hundred million	% p.a beneficial.
Customers segment	Biggest people
Loan amount	% p.a great.
Loan amount >= VND 200 million	% p.good.
Customer sector	Other customers
Loan amount	% p.an effective.
Loan amount >= VND two hundred billion	% p.a beneficial.

Payment types of	Commission speed
Application fee	Totally free
Late percentage rate of interest	150% of appropriate interest rate and you can costs for the overdue idea
Very early percentage fee	step three% for the prepaid principle (just full payment was desired)

Fee method of	Software percentage
Payment price	Free
Percentage method of	Later fee interest rate
Payment rate	150% out of applicable interest rate and you will charge into the delinquent principle
Fee sort of	Early fee percentage
Payment rate	3% to your prepaid service concept (simply full repayment are desired)

Exemplory instance of interest computation

Times	Concept	Appeal	Instalment
1	5,one hundred thousand,one hundred thousand	cuatro43,83six	5,443,836
2	5,100,one hundred thousand	443,836	5,443,836
3	5,one hundred thousand,000	443,836	5,443,836
4	5,100000,100	443,836	5,443,836
5	5,000,100000	443,836	5,443,836
6	5,100,100000	443,836	5,443,836
eight	5,100000,one hundred thousand	443,836	5,443,836
8	5,one hundred thousand,100000	443,836	5,443,836
nine	5,000,100000	443,836	5,443,836
10	5,000,000	443,836	5,443,836
eleven	5,one hundred thousand,100	443,836	5,443,836
several	5,000,100	443,836	5,443,836
Total	60,000,100	5,326,027	65,326,027

Month	1
Principle	5,one hundred thousand,100
Interest	443,836
Instalment	5,443,836
Month	2
Principle	5,one hundred thousand,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	3
Principle	5,100000,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	4
Principle	5,100000,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	5
Principle	5,000,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	6
Principle	5,100,one hundred thousand
Interest	443,836
Instalment	5,443,836
Month	7
Principle	5 payday loans Chester SC,000,100
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,one hundred thousand,100000
Interest	443,836
Instalment	5,443,836
Month	10
Principle	5,one hundred thousand,one hundred thousand
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	5,100,100
Interest	443,836
Instalment	5,443,836
Month	Total
Principle	60,one hundred thousand,one hundred thousand
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	4,799,962	665,387	5,443,568
4	cuatro,840,852	602,590	5,443,568
5	4,868,533	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	sixty,100,000	5,242,568	65,242,568

Month	1
Principle	cuatro,576,165
Interest	788,548
Instalment	5,443,568
Month	2
Principle	4,763,722
Interest	727,370
Instalment	5,443,568
Month	3
Principle	cuatro,799,962
Interest	665,387
Instalment	5,443,568
Month	4
Principle	4,840,852
Interest	602,590
Instalment	5,443,568
Month	5
Principle	cuatro,868,533
Interest	538,968
Instalment	5,443,568
Month	6
Principle	cuatro,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,100000,100
Interest	5,242,568
Instalment	65,242,568

Whilst the attract paid toward cutting equilibrium mortgage looks higher, it is less than the interest reduced toward fixed balance loan, on account of different appeal computation measures.