PAYMENT SPOTS of jaccs international vietnam finance co., ltd (jivf)
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    NECESSARY INFORMATION FOR MAKING PAYMENT

    • Contract Number/ Account Number
    • Fullname (Borrower/ Card Holder)
    • Payment Amount
    • Payment Content
    • Indentification Card (ID Card); Issued Date and Issued Place
    • Telephone number
    • Address

    PAYMENT METHOD

    • Customers come to the payment spots of Payoo, VNPost or Banks that receive payment on behalf of JIVF.
    • Meet a Cashier/ Transaction Staff and require payment for JIVF.
    • Cashier/ Transaction Staff will ask for more information or give the information sheet for customers to fill.
    • Customers will provide information or fill in the information as below:
      • A. DEPOSITOR: Name of the person who makes the payment
      • B. ID CARD: ID number of the Depositor
      • C. ADDRESS: Living address of the Depositor
      • D. CONTENT:
        • With Installment products/ Personal Loan products.
          Write Making payment for Customer and Contract Number.
        • With Card product.
          Write Making payment for Card Holder, Account Number and ID number (please use the coma (,) to separate the name and the account number and the ID number).
      • E. ACCOUNT NAME (Beneficiary) and ACCOUNT NUMBER
        • With Installment products/ Personal Loan products
        • With Card product

    TRANSACTION FEE

    FREE

    When customers make payment at:

    • Payoo, VNPost
    • Vietinbank in case of monthly payment

    CHARGED

    When customers make payment at:

    • ACB, VCB
    • Vietinbank in case of early settlement
    • This transaction fee is fixed by the Banks, so JIVF is not responsible for the adjustment of this fee.

    SUBMITTED POINTS WHEN MAKING PAYMENT

    • Customers must not pay the payment amount to Sales Consultants of JIVF under any circumstances; And JIVF will not be responsible for any issues arisen if customers make the payment through Sales Consultant.
    • Customers just make payment at the payment spots listed above.
    • Customers need to make the payment 2 days sooner than the Due date on the Payment schedule to avoid bad debt recording because the Due date on the Payment schedule is the day that the payment amount of the customers transferred into JIVF’s bank account.
    • If the Due date is Saturday or Sunday or on the holidays planned by the laws, customers will make payment on the next working day.
    • Customers have to round up the amount when making payment.
    • Customers have to write exactly the Contract Number/ Account Number and Fullname when making payment. JIVF will not be responsible if the customers make any fault in filling the information.
    • Customers can write the phone number of the Depositor on the Deposite Slip Note.
    • Customers will check the information and keep the Receipt. Please, contact with the Cashier in case the information on the Receipt is wrong, and please ask them to make it again immediately.
    • Before making payment for the last tenor, please contact this phone number (028) 7108 6999 for the exact paying amount.

    THINGS TO KNOW RELATED TO MONTHLY PAYMENT

    • With Installment products/ Personal Loan products
      The monthly payment shown on the Payment Schedule is referential. The exact amount of money will be sent to the customers by phone messages before each Due date, monthly. Customers will base on the content of the message to make payment.
    • With Card products
      The monthly payment amount will be decided by the customers, but it must be as equal as or greater than the minimum payment amount.
      • The monthly payment amount will be decided by the customers, but it must be as equal as or greater than the minimum payment amount.
      • The minimum payment amount
      • Customers can check the minimum payment amount by checking the Statement or calling (028) 7107 7799 for the exact number.

    THINGS TO KNOW WHEN CUSTOMERS MAKE SLOW PAYMENT AND/OR DEFICIENT PAYMENT

    When customers make slow payment and/or deficient payment, there will be many consequences:

    • Customers must pay a fine.
    • Customers will be recorded with bad debt status on the National Credit Information Center (CIC) of The State Bank of Vietnam.
    • Customers will have difficulties in opening credit card or making a loan at other Financial Institutions: Banks, Finance Companies, Credit funds,…

    SLOW PAYMENTis: when the Day in which the money Customers send being transferred in JIVF’s account is later than the Due date on Payment Schedule.

    DEFICIENT PAYMENT is:

    • With Installment products/ Personal Loan products
      The money that Customers pay is less than the amount shown on the message received before each payment period.
    • With Card products
      The money that Customers pay is less than the minimum payment amount

    FINE FOR SLOW PAYMENT/ DEFICIENT PAYMENT

    • With Installment products/ Personal Loan products
      Customers must bear a fine for each time of Slow Payment/ Deficient Payment which is equal to the Slow Payment Time/ Deficient Payment Amount with the interest rate is 150% of the interest rate shown in the Contract.
    • With Card products
      The fine when Customers have slow payment/ deficient payment, if it is less than the Minimum Payment Amount, will be calculated as 5% x Minimum Payment Amount and the Minimum Fine is 80.000 VND.

    CUSTOMER SUPPORT

    For helping Customers to make payment punctually and sufficiently, JIVF will send messages to remind the Due Date and Payment Amount monthly. The time in which JIVF send messages to the customers is:

    Messages will be sent 3 times before the Due Date.

    • First time: 10 days before the Due Date
    • Second time: 05 days before the Due Date
    • Third time: 02 days before the Due Date

    * The day JIVF send messages may be changed due to some policies of JIVF.

    EARLY SETTLEMENT

    Early Settlement is the term used when Customers want to pay all the money before the Contract Termination Date.

    With Installment products/ Personal Loan products

    Customers can choose one among two options below to make the Early Settlement:

    OPTION 1:

    Customers pay the Total Outstanding Balance at the early settlement time and Interest based on the remain rental time according to the Contract and Overdue Interest at the early settlement time (if any).

    OPTION 2:

    Customers pay the Original Outstanding Balance, Interest and Overdue Interest at the early settlement date (If any). In this case, Customers must pay the Early Settlement Fee as below:

    To know the exact amount for paying the Early Settlement, please contact the phone number (028) 7108 6999; And please provide the following information:

    • Contract Number
    • Fullname
    • The Date that Customers want to make the Early Settlement

    With Card products

    Customers will follow these three steps:

    STEP 1: Customers contact this number: (028) 7107 7799 and provide the information:

    • ID number
    • Fullname
    • The Date that Customers want to make the Early Settlement

    STEP 2: Pay the Early Settlement amount

    STEP 3: Come to JIVF Loan Counter and request to terminate the Card and return the Card to Sales Consultant.

    Note: Because the Early Settlement amount will change daily based on the actual date Customers need to make payment, so Customers have to make the early settlement on the exact date that Customers provided to Sales Consultants of JIVF when request making the Early Settlement. If Customers pay on the other day, Customers have to contact again with JIVF’s staff to know the exact amount.

    PAYMENT FORMS

    MONTHLY PAYMENT BY PAYOO

    With Installment products/ Personal Loan products/ Card products

    MONTHLY PAYMENT BY POST

    With Installment products/ Personal Loan products/ Card products

    1. PAY BY CASH

    MONTHLY PAYMENT BY ACB

    With Installment products/ Personal Loan products

    With Card products

    MONTHLY PAYMENT BY VCB

    With Installment products/ Personal Loan products

    With Card products
    If Customers transfer money to ACB account

    With Card products
    If Customers transfer money to MUFG Bank account

    MONTHLY PAYMENT BY VIETINBANK

    With Installment products/ Personal Loan products

    With Card products

    EARLY SETTLEMENT BY VIETINBANK

    With Installment products/ Personal Loan products

    2. BANK TRANSFER

    MONTHLY PAYMENT BY ACB

    With Installment products/ Personal Loan products

    With Card products

    MONTHLY PAYMENT BY VCB

    With Installment products/ Personal Loan products

    With Card products
    If Customers transfer money to ACB account

    With Card products
    If Customers transfer money to MUFG Bank account

    MONTHLY PAYMENT BY VIETINBANK

    With Installment products/ Personal Loan products

    With Card products

    EARLY SETTLEMENT BY VIETINBANK

    With Installment products/ Personal Loan products

    TARIFF

    Apply for all products: 22.000 VND. Photo fees for all the related documents of the Contract

    TARIFF OF CASH CARD

    Notice:
    Based on JIVF’s investigation result, JIVF will decide the interest rate which is applied for customer from 3.30% đến 4.55% per month. The applied interest rate will be informed customer in the card mailer which is sent to customers by JIVF.

    TARIFF OF CREDIT CARD

    Notice:
    Based on JIVF’s investigation result, JIVF will decide the interest rate which is applied for customer from 2% to 3% per month. The applied interest rate will be informed customer in the card mailer which is sent to customers by JIVF.

    LIST OF FEES OF PERSONAL LOAN

    Reference Here

    LIST OF FEES OF MOTORCYCLE LOAN

    Reference Here

    LIST OF FEES OF AUTO LOAN

    Reference Here

    LIST OF FEES OF FURNITURE LOAN

    Reference Here

    CONTACT PHONE NUMBERS

    With Installment products/ Personal Loan products

    (028) 7108 6999

    Contact about:

    • Providing photocopies of related documents of the Contract.
    • Instructing for making payment.
    • Being informed about Monthly Payment.
    • Early Settlement.
    • Fines for Slow Payment.
    • Final Payment.
    • Noticing about changing contact address; phone numbers.
    • Providing again the Contract Number.

    With Card products

    (028) 7107 7799