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Credit contract

JACCS International Vietnam Finance Commpany Limited

Công ty tài chính TNHH Một thành viên Quốc tế Việt Nam JACCS

Tầng 15, Tòa nhà Centec, 72 – 74 Nguyễn Thị Minh Khai, Phường Võ Thị Sáu, Quận 3,

Thành phố Hồ Chí Minh

Điện thoại: (84-28) 5404 3870, Fax: (84-28) 5404 3882

Website: www.jaccs.com.vn

LOAN CONTRACT

(Modal contract, General transaction conditions and Terms, conditions on processing customer personal data are publicly posted at the headquarters, service introduction point and the website of Lender. By singing of Credit Contract, the Borrower understands and agrees irrevocably and unconditionally that the Lender will provide loan- related personal informational to the National Credit Information Center, Credit Information Companies for debt classification purposes and approve loans; provide 3rd parties to provide value-added services, insurance and customer identification services in accordance with the State Bank’s regulations, current laws and regulation Lender’s decision)
Number CIF:Number Contract :

Today, date …… month …… year …… at JACCS International Vietnam Finance CO., LTD, we include:

  • BORROWER : Mr/Ms _____________________________
  • Address:
  • ID card:
  • Representative (if any): Mr/Ms _____________________________

According to the commitment of the applicant in the Loan application form cum capital use plan

  • LENDERS : JACCS INTERNATIONAL VIETNAM FINANCE CO., LTD (JIVF)
  • Business code: 0309985680
  • Address: Floors 15, Centec Tower, 72 – 74 Nguyen Thi Minh Khai, Vo Thi Sau Ward, District 3, Ho Chi Minh city.
  • Telephone: (028) 3866 8470 – (028) 7109 3870 Website : www.jaccs.com.vn

Agree to sign this Agreement with the following terms:

Article 1. Loan contents:
Total loan amount to buy goods (VND) : Total loan amount to buy insurance (VND):
Total loan amount (VND): Loan method : Loan for each time
Type of loan: 1-stage interest rate/Multi-stage interest rate/Floating interest rate
From day: Interest rate agreed by month (%):(Outstanding debt gradually decreases)
Interest rate agreed by year (%):(One year is 365 days)
From day: Interest rate agreed by month (%):(Outstanding debt gradually decreases)
Interest rate agreed by year (%):(One year is 365 days)
Goods Price/ services (VND):

Type goods/Services:

License plate (if any):

Vehicle Identification number / Product code (if any):

Engine number / Code product (if any):

Dealer:

Brand:

Color (if any):

Debt repayment method: Bank tranfer The Borrower pays via Bank, Post Office, Payoo, Momo, e-wallets and other payment means linked by the Lender (The Lender is not responsible if the Borrower pays the sales consultant in any way).
Overdue interest rate (%): Equal to 150% of the interest in term Loan purpose: (See details in the attached loan commitment letter) (if any) And buy insurance
Loan maturity date:
Repayment term: Monthly
Payment amount per period:((original debt + interest + fee)(VNĐ) The first payment due date:
Final payment amount:(Expected)(VNĐ) Final repayment due date:((expected)
The Borrower makes the final payment according to the message of the Lenders. If the settlement is made early, the borrower must call to: 028.71086999 to confirm the payment amount.. The Borrower should pay before the due date to avoid bad debts on CIC System.
The fee schedule is specified in the Terms and Conditions publicly announced on the website of the giver borrow.

 

Article 2. Method of disbursement:

  • 2.1

    The Lender disburses the Borrower by bank transfer method.

  • 2.2

    Bank transfer:

  • Account of Goods / service provider (including transfer to Insurance seller if any)
  • Account of Borrower Payment No:…………………….at:……………….branch:………………….
  • Account designated by borrower No:…………………………………………………………………
  •         Name……………………………..at:………………………..branch:………………………………..
  • Bank transfer received by the Borrower’s ID card at Vietinbank branch:…………………………….

Article 3. Loan payment:

  • 3.1

    Term of repayment of original debt and interest:
    Original debt and interest are settled monthly.
    The Parties agree to select a date ………………as the maturity date each period. Unless otherwise provided by law, the Parties agree that where the due date of any period coincides with a Saturday, Sunday or public holiday, the payment due date of such period is a consecutive working day right after that day off..

  • 3.2

    Payment amount:

    Unless otherwise provided by law, the Parties agree to give priority to all payments of the Borrower as follows: original debt, interest in due, overdue interest and fees incurred under the General Trading Conditions. In case of overdue debts, the order of collection and revenues shall comply with the current law.

    All payments made by the Borrower to the Lender are deemed payable when such payment is credited to the Lender’s bank account.

    In order to facilitate the payment of customers and avoid unexpected bad debts arising, the Parties agree that the amount paid by the Borrower will be distributed in priority to loan contracts with maturity up to before. In case of outstanding payment, the balance will be automatically converted to partially or fully pay off original debt, interest (including overdue interest) and other contract fees (if any) or deducted from the amount to pay the debt for the next period of the loan contract.

  • 3.3

    Payment notice:

    The Parties agree that the Lender will notify the Due Date of the following periods and the Amount of each period to the Borrower by the means specified in the General Trading Conditions publicly available on the website. In addition, the Borrower may refer to the Estimated Payment Schedule attached to this Loan Contract for reference purposes.

  • 3.4

    Payment channel:

    The Borrower makes payments through the payment channels as notified by the Lender and recorded in the General Trading Conditions.

    The Borrower bears all costs related to the repayment of the loan, interest and / or settlement charges.

  • 3.5

    If any of the Borrower’s payment is left over after this Contract is terminated, the Lender will endeavor to contact the Borrower to notify and instruct the repayment procedure. Where the Lender has implemented the process to refund the balance after settlement but is still unable to repay the loan within 90 days from the date of termination of the Contract, the Borrower agrees that any outstanding payments are at the discretion of Lender’s ownership in accordance with the law.

    Notwithstanding the above period, within 30 days from the date the Lender receives a request to refund the balance in cash and is confirmed by the Lender to refund, if the Borrower does not come to the transaction points of If the creditor’s payment services are received by the creditor, the Borrower hereby agrees that any outstanding payments remain in the sole possession of the Lender without any subsequent claim.

  • 3.6

    Debt rescheduling: not applicable.

Article 4. Transfer overdue debts and calculate overdue interests:

  • 4.1

    For the outstanding principal balance for which the borrower fails to repay the loan on time as agreed, the Lender has the right to convert the entire principal balance to the overdue debt and apply an overdue interest rate.

  • 4.2

    In case of early debt recovery: after the deadline stated in the notice of early debt recovery to the borrower, the borrower still fails to fully pay the loan (including: principal, interest during the due date, overdue interest, fees and other payables) as specified in the General Trading Conditions which are publicly posted on JIVF’s website, the entire principal balance will be converted to overdue debt and the interest rate overdue applies.

  • 4.3

    Where the Borrower has two or more liabilities with the Lender and / or other credit institutions, any debt is classified as having higher risk than other liabilities. The Lender will reclassify the remaining loans of the Borrower to the group with the highest risk level in accordance with the law.

Article 5. Early settlement:

  • 5.1

    Conditions for the Borrower to request the pre-payment of the entire loan or outstanding loan balance:

    • 1)Notification of early settlement to the Lender;
    • 2)Pay all payable amounts payable to the Lender, including: outstanding principal, interest in due, overdue interest, charges, including prepayment fee (if any) on the date of the request for settlement. according to the above announcement.
  • 5.2

    All early settlement procedures are specified in the General Trading Conditions.

Article 6. Contract performance guarantee agreement:

  • 6.1

    Where the Borrower uses loan capital under this Agreement to purchase Goods for which the Goods must be registered in accordance with the law, the Borrower must carry out the registration.

  • 6.2

    At the same time, the Borrower agrees to use the Goods as an asset to secure all debt repayment and loan handling obligations under this Contract and send the original of the Registration Certificate to the Lender for preservation after granted. The Certificate will be returned to the Borrower after the Borrower has fulfilled its payment obligations under this Loan Contract.

  • 6.3

    If the Borrower breaches its obligation to repay and / or breaches other obligations under this Contract, the Lender has the right to recover and dispose of the Goods in accordance with Article 3.6. and other measures to recall and dispose of the Goods in accordance with law.

Article 7. Rights and obligations of the lenders:

  • 7.1

    The lender has the right:

    • 1)Check and supervise the loan process, use of loan capital and debt repayment of the borrower;
    • 2)Terminate lending, recover debt ahead of time when it is discovered that the Borrower has provided false information, violates any terms of this Contract and the General Trading Conditions. This termination will take effect from the date the Lender signs the Notice of Contract Termination;
    • 3)When the debt payment is due, but the borrower fails to repay the debt, the Lender has the right to act on behalf of the Borrower to dispose of the loan-security property as prescribed in Article 6 of this Contract to recover the debt in accordance with the law.
  • 7.2

    The lender has an obligation:

    • 1)Comply with the agreement in this Contract;
    • 2)Keep credit records in accordance with the law.

Article 8. Rights and obligations of the Borrower:

  • 8.1

    The borrower has the right:

    • 1)Refuse the Lender’s requests that are inconsistent with the terms of this Contract;
    • 2)To complain about and initiate lawsuits against a breach of this Contract according to the provisions of the law.
  • 8.2

    Borrowers have obligations:

    • 1)Read and understand the contents of the Contract, General Trading Conditions and sign the Contract only when fully understanding the agreed applicable interest rate and other terms and conditions related to the published Contract. declared on the website and posted at the Lender’s Service Introduction Point;
    • 2)In the event of any unclear provision, the Borrower must ask the Lender’s consultant again and have the right not to sign the Contract if not understood. The Lender is not responsible for any claim about the contents of the Contract for the reason of not reading or understanding the contents of the Contract as well as the General Trading Conditions;
    • 3)Provide fully and honestly information and documents related to the loan and take responsibility for the accuracy of the information and documents provided;
    • 4)Use the loan capital for the right purpose, strictly comply with the contents as agreed in this Contract and other commitments;
    • 5)Payment loan principal and interest as agreed in this Contract;
    • 6)To be responsible before the law for failing to comply with loan repayment agreements and fulfill the obligations to secure the loan as committed in this Contract.;
    • 7)In any breach of the Contract, the Borrower is obliged to hand over the property formed from the loan to the Lender for debt collection processing according to the Lender’s notice.
    • 8)Cooperate with the Lender to complete the procedures for retrieval and handling of Goods and to sign necessary documents as required by the Lender and the applicable laws.

Article 9. Use of information:

  • 9.1

    The Lender will use the Borrower’s information and information related to this Contract to implement the Contract or other Lender’s purposes specified in the Terms and Conditions on personal data processing Customer’s identity, General Trading Conditions and Loan Proposal.

  • 9.2

    The Borrower agrees to the Lender to provide The Borrow credit’s information at the Lender for:

    – Vietnam Credit Information Joint Stock Company (“Credit Information Company”);

    – Certificate of business registration: number 0102547296;

    – First registration: November 27th, 2007.

  • 9.3

    The content of credit information provided includes relevant data, figures and facts of the Borrower at the Lender’s performance of providing credit information to Credit Information Company ensure compliance with the Government’s regulation on the provision of credit information services and other relevant laws.

  • 9.4

    In the event that the Credit Information company is revoked the Certificate, the Lender will stop providing the Borrower’s credit information to the Credit Information Company and the Borrower agrees to the Borrower’s credit information. Credit information companies are handled according to the Government’s Regulations on the provision of credit information services. The lender is responsible for notifying the Borrower of the Borrower’s processing of credit information within a maximum of 10 working days from the date the Lender receives the Credit Information Company’s notice of credit information processing plan.

  • 9.5

    The Borrower affirms that it understands and is aware that: (i) The credit information provided includes sensitive personal data in accordance with the law on personal data protection; (ii) Credit information includes sensitive personal data that is collected, processed, and stored for a minimum period of 05 (five) years for the purpose of creating credit information products by the following parts: Specialized software of Credit Information Company; and (iii) all consent of the Borrower in this Credit Agreement is based on voluntary basis and clear understanding of the Borrower’s rights under relevant legal regulations.

Article 10. Transfer and mortgage:

  • The Borrower agrees that the Lender is entitled to assign the rights under this Contract at its sole discretion to third parties, including parties with the function of buying, selling, recovering and settling debts in accordance with the laws of Vietnam.

Article 11. Dispute:

  • 11.1

    This contract is governed by the laws of Vietnam.

  • 11.2

    All disputes related to this Contract will be resolved in a competent court in accordance with the laws of Vietnam.

Article 12. Other terms:

  • 12.1

    This Contract comes into force from the date of full signatures of the Borrower and the Lender and expires when the parties fulfill all their obligations as set forth in this Contract. General Trading Conditions are published on the website (www.jaccs.com.vn) and publicly listed at the Lender’s Service Introduction Points are an integral part of this Contract.

  • 12.2

    For cash loans, if the Borrower does not accept disbursed funds within fourteen (14) days from the date of disbursement, this Contract is automatically terminated without giving rise to any rights or obligations. case between the Parties.

  • 12.3

    This Contract is made into two (02) copies in Vietnamese with equal validity. Borrower agrees to keep one (01) original copy of this Contract, signed by the Lender’s representative, without the Lender’s seal, in accordance with the Lender’s regulations and applicable laws. In any event, the Borrower may call the Lender’s Customer Service Management to request that the Lender provide a copy of the Lender’s stamped Contract.

A. CUSTOMER NOTE AND CONFIRMATION

The credit contract is signed and stored in electronic form in accordance with method of signing and archiver authorized and recognized by law.

This contract is attached with 11 types related documents listed from 1 to 11 as below and in text format that can be modified once e-signature is attached. By sending and receiving OTP through the phone number provided the borrower, borrower confirms that it has read, understood and agreed to all contents of documents attached credit contract.

The E-signature in this credit contract is also understood and confirmed to have been signed with all document attached to credit contract from 1 to 11 below:

1. Loan application form cum capital use plan.

2. Income statement

3. General Terms and Conditions (including General Terms and Conditions applicable to signing Credit Contracts by hand-signed on paper).

4. Terms and conditions on processing customer personal data.

5. Debt acknowledgment (applies to cash loan products and takes effect at the time the customer receives loan disbursement).

6. Insurance claim form.

7. Loan insurance annex.

8. Asset disposal agreement

9. Mortgage contract (applicable to loan products with collateral).

10. Confirmation document (applicable to loan products with collateral).

11. Application for registration of secured transactions (applicable to loan products with secured assets).

B.WHEN SENDING E-SIGNATURE (IN ANY FORM REGULATIONS), CUSTOMER HAS AGREES AND CONFIRMED THE FOLLOWING CONTENTS

1.Draft Contract and Expected Payment Schedule have been provided.

2.The basic contents of the Contract have been explained.

3.Have read, understood and agreed to the Terms and Conditions on processing customer personal data (including type of personal data processed, purpose of processing personal data, organization processing data personal data and the rights and obligations of data subjects).

4.Have read, understood and agreed to the General Trading Conditions.

5.The rights and obligations of the Borrower and the Lender have been explained.

6.Understand and agree on the payment method.

7.Have understood and agreed to measures to urge and collect debt.

8.Have understood and agreed on the method of handling assets to recover debt.

9.In case the property must be handed over but the Borrower is not present to hand over the property, the Borrower agrees that the relevant person has the right to hand over the property to the Lender for debt recovery.

10.Confirm loan agreement and signs the Credit Contract.

Borrower (Sign, write full name position)
Representative of Lenders (Sign, write full name position)

JACCS International Vietnam Finance Commpany Limited

Công ty tài chính TNHH Một thành viên Quốc tế Việt Nam JACCS

Tầng 15, Tòa nhà Centec, 72 – 74 Nguyễn Thị Minh Khai, Phường Võ Thị Sáu, Quận 3,

Thành phố Hồ Chí Minh

Điện thoại: (84-28) 5404 3870, Fax: (84-28) 5404 3882

Website: www.jaccs.com.vn

LOAN APPLICATION FORM CUM CAPITAL USE PLAN

(Model Contract, General Transaction Conditions and Terms and Conditions on personal data processing are publicly posted at the Lender’s head office, service introduction points and electronic website. Certificate By declaring and signing this Loan Application, the Borrower understands and agrees irrevocably and unconditionally that the Lender will provide personal information related to the loan to the National Credit Information Center. Credit Information Companies to serve debt classification and loan approval; providing third parties with value-added services, insurance, and customer identification services according to regulations of the State Bank, according to current laws and regulations of the Lender)

To: JACCS Vietnam International Finance CO., LTD (“JIVF”)

INFORMATION ABOUT THE PROPOSAL PERSON
Full name: Gender: Day of birth:
Familly book: Driver’s license number:
ID card/ Passport number: Date of issue: Place of issue:
Marital status: Number of dependents:
Address:
Place of residence: Personal owner Joint owner Rent (Rent cost:

VND/month)

Temporary residence address (if any):
Period of residence at current address:
Contact address:
Mobile phone: Telephone: Email:
Current workplace/ business: Telephone:
Address:
Job: Position:
Working/ business time from:

to

Monthly income:
Other sources of income: Other debt:
People with income: Relationship: Borrowing place:
Family member’s name: ID card: Relationship: Telephone:
Family member’s name: ID card: Relationship: Telephone:
Family member’s name: ID card: Relationship: Telephone:
I agree to receive advertising information and introducing JIVF loan products Yes No
I have a person involved with a credit relationship at JIVF Yes No
RECOMMENED LOAN CONTENT
Value of goods/ services (VND) :

(Include service fee if any)

Borrowing method :
Prepayment(VNĐ) : Loan purpose : And buy insurance

JACCS International Vietnam Finance Commpany Limited

Công ty tài chính TNHH Một thành viên Quốc tế Việt Nam JACCS

Tầng 15, Tòa nhà Centec, 72 – 74 Nguyễn Thị Minh Khai, Phường Võ Thị Sáu, Quận 3,

Thành phố Hồ Chí Minh

Điện thoại: (84-28) 5404 3870, Fax: (84-28) 5404 3882

Website: www.jaccs.com.vn

Loan amount for buying goods (VNĐ):

(Include service fee if any)

Total loan to buy insurance (VNĐ):
Total amount requested to borrow (VNĐ): Loan term (month):
Form of loan interest: Single-stage interest rate/Multi-stage interest rate/Floating interest rate
From day: Monthly interest rate (%)*:
From day: Monthly interest rate (%)* : Applying a floating interest rate that is periodically adjusted on the day following the due date of the debt repayment term at January 12, April 12, July 12 and October 12 every year.
Payment term: The first payment due date:
INFORMATION DETAIL ABOUT THE GOODS (IF ANY)
Type: Dealer:
Producer: Code Dealer:
Model/ Year of manufacture: Address:
Color: Telephone:
Code: Accessories (if any):
Quantity: Unit price:
I and I agree to JIVF providing personal information and loans to third parties.

I undertake that the above information is completely true and take legal responsibility for the accuracy and legality of the documents sent to JIVF.

On a voluntary basis, by signing this Loan Application, I affirm that I understand and agree to all the contents of the Terms and Conditions regarding personal data processing (including data types the individual being processed, the purpose of processing personal data, the organization processing personal data and the rights and obligations of the data subject) are posted on the JIVF homepage www.jaccs.com.vn and/or other official means of communication.

TP.HCM, date … month … year …
SC code:
SC name:

This loan application cum capital use plan is signed by electronic signature method and is accompanied by Credit Contract No: ……………………… dated …………………Signature Electronically signed in the above Credit Contract is also a signature confirming the content of this Loan Application cum capital use plan, and has legal value instead of fresh signatures and seals of both parties according to the provisions of the Law.

* The interest rate is agreed upon by both parties and in accordance with current law ** “SC” is the acronym for “Sales Consultant” *** “Code SC” is the acronym for “Code of Sales Consultant”

                                                                                                                                                                   Ver.02/05/24