Individual Customers
Loans against valuable papers
(Updated at 10:35, 9/9/2010)
“Loans against valuable papers” is a product of Agribank credit for individual customers who legally own the pledged assets, having the needs for loans serving their lives.

Main features


-          Papers that can be pledged: must be papers that are legally issued and transferable, including saving books, bill of exchange issued by commercial banks, treasury bills, treasury bonds, public debt; shares, bonds, fund certificates issued by enterprises.

-          Currency: VND

-          Term: not exceeding the remaining term of the valuable papers. With listed stocks, bonds and fund certificates: not exceeding 06 months.

-          Loan amount: up to 80% of the total costs in the contract

-          Interest rate: fixed, floating; overdue interest rate is 150% of due interest rate

-          Maximum loan amount shall not exceed the original price plus interest minus interest paid during loan period; up to 50% of the market price at the time of lending as for listed securities; up to 50% of the IPO shares by State-owned companies, joint-stocks companies issuing shares to increase capital and does not exceed 75% of the value of pledged assets; being the difference between the average bid price and preferential price for employees to buy preferred shares by the state-owned issuing company.

-          Interest rate: fixed, floating;

-          Loan security: by valuable papers, the rate prescribed by the Governor of the State Bank in each period.

-          Repayment of principal and interest: once and receive valuable papers back.

-          During the loan period, if the price of collateral stock reduced to 60% of the price at the time of collateral, then customers must provide additional assets or guarantee within 2 working days or Agribank shall collect the loan before the due date (specified in the contract).


Delivery channels


-          Agribank branches/transaction offices or E-banking.


Technology applied


-          Agribank uses automated system (IPCAS) to track customer information, accounts, amounts of interest payment, etc. with the highest security and accuracy.

Online Banking

ATM/POS locations

Forms, Fees and Interest rates
View savings interest rates
View service charges

Registration form

Applied at Operations Centre of Agribank

Exchange Rate
Updated at
Applied at Agribank Operations Centre

Agribank Contact Center