Consumer loan without guaranteed assets


OceanBank provides loans for consumption purposes such as house renovation/ decoration, purchase of household items/ furniture, travelling and studying, etc without any guaranteed assets.


•  No guaranteed assets is required

•  Quick procedures

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


•  Objects: 

-  Individuals who are Bank managers; Public servants, employees at the Headquarters of Corporation, the State Corporation; employees whose salary payment is via OceanBank accounts

-  Monthly personal income is from 5 million and above

•  Loan amount: up to 10-15 times of personal incomes, up to 1 billion dong (depending on specific customer case)

•  Loan term: up to 60 months

Procedure &

•  Application for Loan: form of the Bank

•  Identity Card/ Passport

•  Family Register, KT3/ Temporary Residence Certificate

•  Labor Contract/ Recruitment Decision/ Appointment Decision

•  Payroll, bonus/ proof of salary payment in 3 recent months (certified by company/ bank)


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

Branches/Transaction Offices

Call Center: 1800 58 88 15