ShopCredit business mortgage loan

Flexible and sufficient capital for all needs

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ShopCredit is a flexible and comprehensive mortgage solution that helps your store quickly acquire capital to fully meet financial needs, based on the value of your collateral, with attractive interest rates and simple procedures.

Reasons to choose a ShopCredit business loan at Techcombank

Mortgage loan limit fully meets business needs

  • Short-term loan limit up to 15 billion VND (*) to expand regular business capital.
  • Medium and long-term loan amount up to 15 billion VND (*) to invest in expanding and upgrading business facilities.
  • Based on the value of the collateral

(*) Apply to Techcombank's terms and conditions at each specific time.

Competitive interest rates

  • Attractive interest rates starting from only 5.5%/year (*) for short-term loans and 6.3%/year (*) for medium and long-term loans.

(*) Apply to Techcombank's terms and conditions at each specific time.

Diverse loan methods and terms

  • Overdraft limit and working capital replenishment limit for regular capital needs up to 12 months.
  • Medium and long-term loans to expand business operations up to 120 months.

Simple business mortgage loan procedures

  • Diverse income source documents, no restrictions on collected documents.
  • Easy transfer of outstanding debt from other credit institutions.

Registration conditions

Frequently Asked Questions

What is a capital advance according to the overdraft limit?

The overdraft limit is a credit limit method where Techcombank provides credit to customers in the form of an Overdraft Account. Accordingly, customers can use it for debiting/transferring money from the account to partners/or beneficiaries within the limit/value provided by Techcombank based on the customer's capacity.

What is lending according to the Working Capital Limit?

The working capital limit is a method where Techcombank provides a credit limit to customers for a specific period (not exceeding 12 months). Customers are allowed to flexibly withdraw capital multiple times within the limit and the loan term.

What is the maximum number of times and term for a capital advance under the ShopCredit Overdraft Limit?

The ShopCredit Overdraft Limit does not limit the number of capital advances within the approved limit.

The maximum term for capital advance through the ShopCredit Overdraft Account is 12 months.

What is the maximum number of withdrawals and the maximum term of each loan within the Working Capital Limit?

The ShopCredit Working Capital Limit does not limit the number of withdrawals.

The term of each loan within the ShopCredit Working Capital Limit does not exceed 12 months.

What is the maximum loan term for ShopCredit Medium and Long-Term Loans?

The maximum term for ShopCredit Medium and Long-Term Loans is 120 months.

With the ShopCredit business loan limit, what types of collateral do customers need to provide?

To use the ShopCredit business limit, customers will need to provide collateral in the form of Deposits at Techcombank or Real Estate.

Can business households prepay a portion of the principal for short-term loans?

For short-term loans, customers can completely flexibly prepay the principal or a portion of the loan principal at any time without incurring any fees.

For medium and long-term loans, depending on the actual loan period, customers will be subject to preferential fee levels.

For what purposes can business households use the ShopCredit mortgage loan limit?

The ShopCredit short-term loan limit can meet the needs of quick and flexible capital advances for store owners/business household owners to purchase goods/raw materials or daily payment expenses.

The ShopCredit medium and long-term loan will meet the needs of building/repairing business premises, purchasing equipment to serve the business operations of customers.

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