Loans based on collateral: most loan clients in ACB-Tan Binh branch needs collateral (accounting for more than 80% of the total outstanding). Forms of consumer lending units have been deployed, with each customer lending limit is quite large. However, in practice, banks usually loan limit calculations based on the official salary of clients, rather than based on actual income levels. Limits are usually smaller than the real needs of the customer. Many customers have high and stable income but unable to prove it. This reduces a significant amount of the Bank's prospects.
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