Overdraft loan without guaranteed assets


This product is offered to customers who spend more than the amount on their payment accounts.


•  Be entitled to utilities on domestic debit cards

•  Flexible disbursement and repayment via payment account or in cash

•  Free-of-charge on opening a payment account and registration of Easy Online Banking services


•  Objects: Officers/ employees whose salaries are paid through OceanBank's account

-  Permanent residence/ KT3 is at the area where OceanBank is located or neigbour area.

-  Service length must be at least 12 months. Labor contract must last minimum of 12 months, the remaining term of the labor contract must be at least 6 months

-  After-tax income is VND 5 million or higher

•  Overdraft limit: up to 3 times of monthly income, not exceed 60 million dong

•  Term of overdraft limit: up to 12 months

•  No guaranteed assets is required

Procedure &

•  Application for Loan: form of OceanBank

•  Copy of Identity Card/ Passport of the borrower and his/her spouse (if any)

•  Copy of Family Register, KT3

•  Copy of Labor Contract with current/ previous company

•  Copy of decision or confirmation on salary/ position of current units.

•  Copy of payroll of salary account at OceanBank

•  Other documents evidencing income (if any)


For more detail information about the product, please contact us at :

Branches/Transaction Offices

Call Center: 1800 58 88 15