Vay von khong can tai san dam bao cho SME la gi?

Vay von khong can tai san dam bao cho SME (No Collateral SME Loan Options) la cac san pham tin dung ma to chuc tin dung cap cho doanh nghiep nho va vua ma khong yeu cau the chap tai san, thay vao do danh gia dua tren dong tien, lich su kinh doanh va diem tin dung.

Thuat ngu tieng Anh: No Collateral SME Loan / Unsecured Business Loan

Linh vuc: Tin dung doanh nghiep, Tai chinh SME

Cac hinh thuc vay tin chap cho SME tai Viet Nam

Co quan va chuong trinh ho tro

1. Quy Bao lanh Tin dung cho DNNVV: Theo Nghi dinh 34/2018/ND-CP, bao lanh toi da 80% gia tri khoan vay
2. NHNN: Thong tu 39/2016/TT-NHNN quy dinh cho vay tin chap
3. Chuong trinh ket noi ngan hang - doanh nghiep: NHNN chi dao cac NHTM danh goi tin dung uu dai cho DNNVV
4. Goi ho tro phuc hoi kinh te: Nghi quyet 43/2022/QH15 voi lai suat uu dai 2% cho DN chiu anh huong

Luu y khi vay tin chap

• Lai suat cao hon vay the chap 2-5%
• Han muc thap hon, thuong toi da 70% doanh thu nam
• Ky han ngan hon (6-36 thang pho bien)
• Can bao cao tai chinh minh bach, kiem toan
• Diem CIC tot la yeu to then chot

Vay tin chap cho SME trong cac ngon ngu khac

Xem them: Tieng Anh | Tieng Nhat | Tieng Han | Tieng Trung | Tieng Tay Ban Nha

Vay tin chap de dang hon voi BizLoan

BizLoan ket noi SME voi nhieu to chuc tin dung co san pham vay tin chap, giup tang co hoi duoc duyet vay ma khong can tai san dam bao. Dang ky tu van mien phi.

Vay von khong can tai san dam bao cho SME tieng Anh la gi?

Vay von khong can tai san dam bao cho SME trong tieng Anh la No Collateral SME Loan hoac Unsecured Business Loan (/ˌʌnsɪˈkjʊəd ˈbɪznəs loʊn/).

Dinh nghia

An Unsecured Business Loan or No Collateral SME Loan is a credit facility extended to small and medium enterprises without requiring physical assets as security. In Vietnam, unsecured SME loans typically range from VND 50 million to VND 2 billion at 8-15% per annum. Lenders evaluate cash flow statements, tax records, CIC credit scores, and business tenure (usually 2+ years). The SME Credit Guarantee Fund (Decree 34/2018) can guarantee up to 80% of loan value, effectively enabling unsecured lending through government backing.

Cac thuat ngu lien quan

Vi du cau

"Vietnamese SMEs can access no-collateral loans up to VND 2 billion through BizLoan's lending network, with approval decisions based on cash flow analysis and CIC credit scoring rather than property collateral."

→ SME Viet Nam co the tiep can vay khong can tai san dam bao toi 2 ty VND qua mang luoi lender cua BizLoan, quyet dinh duyet dua tren phan tich dong tien va diem CIC.

Vay tin chap trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von khong can tai san dam bao cho SME tieng Nhat la gi?

Vay von khong can tai san dam bao cho SME trong tieng Nhat la 無担保中小企業融資 (Mutanpo Chūshō Kigyō Yūshi).

Dinh nghia

無担保中小企業融資 la hinh thuc cho vay doanh nghiep nho va vua khong can tai san dam bao. Tai Nhat Ban, 日本政策金融公庫 (JFC) cung cap 無担保融資 voi han muc toi da 72 trieu yen (~480,000 USD) cho 中小企業 khong can 担保 (tai san dam bao) hay 保証人 (nguoi bao lanh). 信用保証協会 (Hiep hoi Bao lanh Tin dung) bao lanh toi da 80 trieu yen. So voi Viet Nam, he thong 信用保証 cua Nhat Ban phat trien hon, cho phep SME tiep can 無担保ローン de dang hon.

Cac thuat ngu lien quan

Vi du cau

「ベトナムでは無担保中小企業融資の限度額は最大20億ドン（約1,200万円）で、金利は年8～15%です。日本のJFC無担保融資（最大7,200万円、年1～2.5%）と比べると条件は厳しいですが、審査スピードは改善されています。」

→ Tai Viet Nam, vay tin chap SME toi da 2 ty VND (~12 trieu yen), lai suat 8-15%/nam. So voi JFC Nhat Ban (toi da 72 trieu yen, 1-2.5%/nam) dieu kien khat hon nhung toc do xet duyet dang cai thien.

Vay tin chap trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von khong can tai san dam bao cho SME tieng Han la gi?

Vay von khong can tai san dam bao cho SME trong tieng Han la 무담보 중소기업 대출 (Mudambo Jungso Giŏp Daechul).

Dinh nghia

무담보 중소기업 대출 la hinh thuc cho vay SME khong can tai san dam bao. Tai Han Quoc, 신용보증기금 (KODIT) va 기술보증기금 (KOTEC) cung cap 보증서 (thu bao lanh) giup 중소기업 vay 무담보 tu 시중은행 voi han muc toi da 80 억원 (~6 ty VND). 대출금리 cho vay co bao lanh la 3.5-6.0%/nam. 중소벤처기업진흥공단 (SBC) cung cap 정책자금 무담보 voi lai suat chi 2.0-3.5%. So voi Viet Nam (8-15%/nam, toi da 2 ty VND), Han Quoc co he thong ho tro vay tin chap hoan thien hon.

Cac thuat ngu lien quan

Vi du cau

"베트남에서 무담보 중소기업 대출은 최대 20억 동(약 1억 원)까지 가능하며 금리는 연 815%입니다. 한국의 신용보증기금 지원 무담보 대출(최대 80억 원, 연 3.56.0%)과 비교하면 한도와 금리 모두 불리하지만, 심사 속도가 빠릅니다."

→ Vay tin chap SME tai Viet Nam toi da 2 ty VND (~1 억 won), lai suat 8-15%/nam. So voi Han Quoc co KODIT ho tro (toi da 80 억 won, 3.5-6.0%/nam) ca han muc va lai suat deu bat loi hon, nhung xet duyet nhanh.

Vay tin chap trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von khong can tai san dam bao cho SME tieng Trung la gi?

Vay von khong can tai san dam bao cho SME trong tieng Trung la 无抵押中小企业贷款 (Wú Dǐyā Zhōngxiǎo Qǐyè Dàikuǎn).

Dinh nghia

无抵押中小企业贷款 la hinh thuc cho vay SME khong can tai san dam bao. Tai Trung Quoc, 央行 (PBOC) yeu cau cac ngan hang tang ty trong 普惠小微贷款 (cho vay tai chinh toan dien MSME). 国有大行 nhu 工商银行, 建设银行 cung cap 信用贷款 (vay tin chap) toi da 500万元 (~1.7 ty VND) voi lai suat 4.0-6.0%/nam. 担保公司 (cong ty bao lanh) va 融资担保基金 (quy bao lanh tai chinh) ho tro SME tiep can 无抵押 voi 担保费 (phi bao lanh) chi 0.5-1.0%. So voi Viet Nam (8-15%/nam), Trung Quoc co lai suat va he thong ho tro tot hon.

Cac thuat ngu lien quan

Vi du cau

"越南的无抵押中小企业贷款最高额度为20亿越南盾（约55万元人民币），年利率8%至15%。与中国国有银行信用贷款（最高500万元，年利率4%至6%）相比，额度和利率均处劣势，但审批流程更快。"

→ Vay tin chap SME tai Viet Nam toi da 2 ty VND (~550,000 NDT), lai suat 8-15%/nam. So voi ngan hang nha nuoc TQ (toi da 5 trieu NDT, 4-6%/nam), ca han muc va lai suat deu bat loi nhung xet duyet nhanh hon.

Vay tin chap trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Vay von khong can tai san dam bao cho SME tieng Tay Ban Nha la gi?

Vay von khong can tai san dam bao cho SME trong tieng Tay Ban Nha la Prestamo PYME sin garantia (Préstamo PYME sin garantía).

Dinh nghia

Prestamo PYME sin garantia la hinh thuc cho vay SME khong can tai san dam bao. Tai Tay Ban Nha, PYME co the tiep can prestamos sin garantia qua Lineas ICO (Instituto de Credito Oficial) voi han muc toi da 12.5 trieu EUR va lai suat 4.0-6.5%/nam. Sociedades de Garantia Reciproca (SGR - Hoi bao lanh tuong ho) cung cap avales (bao lanh) giup PYME vay tu bancos thuong mai. Fondo Europeo de Inversiones (EIF) cung ho tro qua cac chuong trinh COSME va InvestEU. So voi Viet Nam (8-15%/nam, toi da 2 ty VND), he thong EU phat trien hon voi nhieu kenh ho tro.

Cac thuat ngu lien quan

Vi du cau

"En Vietnam, los prestamos PYME sin garantia alcanzan un maximo de 2.000 millones de VND (aproximadamente 73.000 EUR) con tasas del 8% al 15% anual. Comparado con las lineas ICO espanolas (hasta 12,5 millones EUR, 4-6,5% anual), el acceso es mas limitado pero los procesos de aprobacion son mas rapidos."

→ Tai Viet Nam, vay tin chap SME toi da 2 ty VND (~73,000 EUR), lai suat 8-15%/nam. So voi ICO Tay Ban Nha (toi da 12.5 trieu EUR, 4-6.5%/nam), tiep can han che hon nhung xet duyet nhanh hon.

Vay tin chap trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.