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Customers having proof of income of 3 million or more are eligible to borrow at COM-B.



  • Flexible from 6 months to 36 months.

Interest rate

  • The interest rate is only 1.67% ~ 2.92% (month - the interest rate is based on the original loan).

DOCUMENT ASSESSMENT PROCESS: Simple procedure and fast approval time within 48 hours. 

Simple profile:

  • Identity card
  • Household

It is preferable to have one of the following:

  • Electricity bill
  • Or labor contract + payroll or salary statement or retirement decision
  • Business registration certificate / business certificate / lease contract

Contact our sales staff or hotline (028) 36.220.139 for a free consultation.

COM-B: Sharing Difficulties, Spreading Prosperity!


Mortgage is the most frequently asked question of customers who do not know the procedure of borrowing from banks and today we have just received a question from Mr. Khuong with the following content.

1. What is the procedure for borrowing money?

Question: "Hello, I am in Hanoi and I am working in an industrial zone with a monthly salary of 3 million VND. Asked to apply for a mortgage loan in Hanoi with a loan of 20 million, how to apply for a loan? Thanks for your help. 

A: Hi, 

First of all, thank you for your interest in SSC - Eastern Commercial Joint Stock Bank, with your questions we would like to answer as follows:

Loan conditions:

• Customers are between the ages of 20 and 60

• Are working for more than 3 months

• Monthly income is over 3 million VND

Documents to provide:

• ID card + household registration

• Labor Contract + Latest salary statement in the last 3 months

• Loan application

The above solution must have helped Mr. Khuong or all customers know the information about loan conditions and loan procedures for 3 million salary. 

If you have any other questions or concerns, please do not hesitate to contact us again for the best advice. 

Contact our sales staff or hotline (028) 36.220.139 for a free consultation

2. Can a consumer loan with a salary statement not require a company payroll?

Mr. Tran Cong Kien confided: "We do not know the fact that we can use the salary statement without any confirmation of the company, whether it is so or is just a theory." 

Not only in the case of Mr. Kien but before we also analyzed many times for customers to understand. Mortgage is to use the credibility of the customer. If customers have high prestige, they will be considered disbursed. Customer credibility is reflected in the work, salary and attitude of customers before the survey of the bank. 

Recognizing that demand for consumer loans is increasing. Eastern Commercial Joint Stock Bank sees the need to simplify the loan application process so that customers with real needs can access capital. It is not too demanding about proof of income. In the past, whether it was a salary transfer or a cash loan, the individual has to obtain a written confirmation from the company about the monthly income. 

From now on, customers only need to pay salary from the bank. When making a loan application, customers only to the bank statements of salary in the last 6 months showing the name of the company. Monthly income is over 3 million VND. Requires minimum working time in units over 3 months and salary is transferred monthly 

In this article, we only explain to customers how to apply for a mortgage loan, how to get a loan and how to prepare it. Please contact your sales representative or hotline. 36.220.139 for free consultation 


  • Terms and conditions for lending to meet the needs of life applicable to the loan agreement signed on 10.12.2017. See here
  •  Application form for loan cum-card issuance applies from 01.1.2018. See here
  • Terms and conditions for lending for living needs apply to loan agreements signed March 15, 2017 through July 31, 2017. See here
  • Terms and conditions for lending to meet the living requirements applicable to the loan agreement signed on 01/08/2017. See here
  • Terms and Conditions of Credit Card Use M-OCB Mastercard. See here
  • List of interest rates publicly listed. See here