Overdraft Loan Services


Provide short-term loans to finance those who operate their business on the following sectors: Industry, trade, construction, transportation, supply of technical materials, agriculture-forestry, etc. with repayment period of one year. Overdraft is working capital to enhance the business liquidity in the rush hour.


  • • Can withdraw money more than amount deposited to current accounts.
  • • Support all expenses by cheque payment.
  • • Easy and quick submission of loan request letter.
  • • Approve money within 21 days (when full documents are checked).
  • • Pay interest only on overdraft balance.

Loan Sizes:

  • • You can borrow according to your actual need.

Terms and conditions:

  1. Interest rate is calculated in %/year.
  2. The approval fee is collected once after the approval of loan.
  3. For good customers, the bank may consider a reasonable interest rate.
  4. Additional terms or guidance’s for implementation will be divided into a separate section.

Loan documents include:

  • • Loan request letter (based on JDB form).
  • • Borrower’s biography.
  • • Business operation background.
  • • Revenue and expenditure forecasting plan (assets, liabilities).
  • • Copy of family registration book, ID card or passport (borrower & guarantor).
  • • Residence Certificate (borrower & guarantor)
  • • Copies of business license and tax certificate.
  • • Copy of business operation license.
  • • Power of attorney agreement for loan (if there are shareholders).
  • • Copy of collateral or power of attorney in respect of collateral (if it belongs to another person).
  • • Companies must provide additional documents such as: Letter of appointment or power of attorney from companies. resolution adopted at the Company’s meeting, company’s regulations, balance sheet (balance sheet, financial statement for the last 06-month period).
  • • Other documents required by the bank.


  • • Only repeat customers with good repayment background activate their JDB deposit will be preferable. The bank will consider to provide credit card limit that does not exceed loan repaid.
  • • Only new customers who apply for a loan will be considered to provide loan with credit card limit using the same collateral.
  • • Fees are set as declared by JDB.

For more information:

Please contact Business Credit Division, Tel: 021-215595, Fax: 021-223431.

>> Credit Form <<