5DE

5DE is for SalesForce app. In order to support sales, manage revenue and output, and expand sales staff. Main function:
- Register employees/collaborators
- Sales force management
- The old company supports loan applications
- Selling financial and insurance products
- Statistics, revenue reports
- Management of business operations.

* Loan features:
5De application helps collect financial records to apply for unsecured consumer loans

Conditions for participating in unsecured consumer loans:

- From 20-60 years old, have valid ID card
- Have a stable job and can afford the loan

Standard loan for participating customers:

- Loan amount: from 3,000,000 VND to 30,000,000 VND
- Minimum repayment period is 3 months (equivalent to 90 days)
- Maximum repayment period is 30 months (equivalent to 900 days)
- Minimum annual percentage rate (APR) is 19.9%/year
- The maximum annual percentage rate (APR) is 29%/year
- Customers do not have to pay any other fees

Loan package illustration:
Customers register for an online loan of 15,000,000 VND with a repayment period of 12 months (360 days), interest rate 19.9%/year

• Bank transfer fee/month, charged by the bank: 13,000 VND
• Bank transfer fee of 12 months, charged by the bank: 13,000 * 12 = 156,000 VND

• Total interest payable for 12 months (Interest amount of 12 months): 15,000,000 x 19.9% ​​= 2,985,000 VND
• Interest amount you have to pay per month (Interest amount per month): 248,750 VND
• Interest amount + fee payable per month (Interest amount per month + Bank transfer fee per month): 248,750 VND + 13,000 VND = 261,750 VND
• Total interest + fee payable for 12 months (Total fee & interest of 12 months = Interest amount + Bank transfer fee): VND 2,985,000 + VND 156,000 = VND 3,141,000

• Total principal + interest + fees you have to pay for 12 months (Total = Loan amount + Interest amount + Bank transfer fee): 15,000,000 VND + 2,985,000 VND + 156,000 VND = 18,141,000 VND