5DE 1.6.356

5DE is an application tailored for sales forces, designed to enhance sales processes, revenue management, and team expansion within the sales department. Its main features include:

• Employee/Collaborator registration
• Sales force management
• Tools for financial record collection
• Revenue statistics and reporting
• Business activity management

Financial record collection feature:

The 5DE application facilitates the collection of financial records for unsecured consumer loans. Participation criteria for these loans are as follows:

• Aged between 20 and 60 years, with a valid identification document
• Stable employment and sufficient capacity to repay the loan

Standard loan options for eligible customers include:

• Loan amount: from 3,000,000 VND to 40,000,000 VND
• Minimum repayment period: 3 months (90 days)
• Maximum repayment period: 36 months (1080 days)
• Minimum annual percentage rate (APR): 19.9% per year
• Maximum annual percentage rate (APR): 29% per year
• No additional fees charged to customers

Loan Package Illustration:

An online loan application example includes a request for a loan of 15,000,000 VND with a repayment term of 12 months (360 days) at a 19.9% annual interest rate.

• Monthly bank transfer fee (charged by the bank): 13,000 VND
• Total bank transfer fee for 12 months: 12,000 x 12 = 144,000 VND
• Total interest paid over 12 months: 15,000,000 x 19.9% = 2,985,000 VND
• Monthly interest payment: 248,750 VND
• Total monthly payment (interest + bank transfer fee): 248,750 VND + 12,000 VND = 260,750 VND
• Total payments over 12 months (interest + bank transfer fee): 2,985,000 VND + 144,000 VND = 3,129,000 VND
• Total amount payable over 12 months (principal + interest + fees): 15,000,000 VND + 2,985,000 VND + 144,000 VND = 18,129,000 VND