Mr. Le Van Hoang (residing in Tran Phu ward, Ha Tinh city) opened an online savings book on the app of a non-state-owned joint stock commercial bank for a period of 6 months. Due to an urgent need for money, he decided to mortgage the online savings book to borrow capital online through the bank's app.
Mr. Hoang shared: “The online savings book has not yet reached the withdrawal deadline, if I close it before the deadline, I will only receive a non-term interest rate, which is very low. After calculating, I decided to mortgage the online savings book to borrow 100 million VND online for 3 months. I found that this form of online loan has simple procedures, quick disbursement process via app and the online loan interest rate is also lower than the direct loan interest rate at the counter.”
MB Bank Ha Tinh is one of the pioneering banks for customers to borrow money online in the form of mortgaging online savings books. Mr. Le Dai Duong - Deputy Director of MB Bank Ha Tinh said: "The branch has deployed online loans in the form of mortgaging online savings books for many years, however, in the past 3 years, the rate of customers using this service has increased sharply (about 20%) compared to the previous period. With this smart form of finance, both customers and banks benefit. Accordingly, customers are proactive in their financial resources when needed without having to go to the bank in the traditional way of borrowing. As for the bank, there is no cost for staff to travel to appraise, prepare documents, print... so the online loan interest rate is also cheaper than direct lending at the counter".
It is known that there are currently over 5,000 customers of MB Bank Ha Tinh borrowing online through mortgaging online savings books. In the coming time, this credit institution continues to recommend customers to use modern transaction forms to increase digital banking services according to new trends.
Similarly, Bac A Bank Ha Tinh is also a bank with an increasing rate of online loan customers. Mr. Nguyen Viet Cuong - Deputy Director of Bac A Bank Ha Tinh said: "With the goal of promoting the use of digital banking, Bac A Bank has created incentives for customers on interest rates when participating in online savings and online loans. With loans secured by savings books, loan conditions are not as strict as in the case of loans secured by other assets. This expands security measures and increases lending, bringing credit capital to the market. With this form, customers can borrow up to 100% of the value of the savings book".
According to research, non-state-owned joint stock commercial banks often have strengths in online banking services due to their young and tech-savvy customer base. However, in recent years, the "big 4" (Vietcombank, BIDV, Agribank , VietinBank) have also attracted customers to use digital banking services, including online savings and online loans with preferential interest rates.
At Vietcombank Ha Tinh, the rate of customers borrowing money online by pledging online savings books is also increasing. With the "plus point" of preferential interest rates and loan value equal to 100% of the online savings value, many customers have chosen this smart financial form. Not only do customers benefit, but it also creates a foundation for Vietcombank Ha Tinh to promote transactions on digital banking.
In general, borrowing money online by mortgaging online savings books at banks brings many benefits to customers, making it easier for borrowers to access financial resources without having to mortgage other assets. However, to ensure safety, customers need to read the loan contract carefully to understand their rights and obligations, avoiding unwanted risks.
In addition, customers absolutely do not share personal information such as ID card/CCCD number, bank account number or OTP code with anyone...
Source: https://baohatinh.vn/vay-von-online-khach-hang-va-nha-bang-deu-co-loi-post287838.html
![[Photo] Hungarian President begins official visit to Vietnam](https://vphoto.vietnam.vn/thumb/1200x675/vietnam/resource/IMAGE/2025/5/27/ab75a654c6934572a4f1a566ac63ce82)
![[Photo] Hungarian President and his wife take a walk and enjoy the view of Hoan Kiem Lake](https://vphoto.vietnam.vn/thumb/1200x675/vietnam/resource/IMAGE/2025/5/28/b9c83fbe6d5849a4805f986af8d33f39)
Comment (0)