Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development

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Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 1

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 1

FOREWORD 1. Reason for choosing the topic Around the world, lending in the real estate business or mortgage lending with real estate is a popular financial service of banks. However, the main source of capital for the real estate market is mobilized from financial sources such as insurance ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 2

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 2

Real estate is a fixed commodity and cannot be moved in terms of location and it is influenced by factors of customs, psychology and tastes. Meanwhile, the psychology, customs and tastes of each region and each locality are different. Therefore, the operation of the real estate market is deeply ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 3

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 3

On the other hand, the weakness in macroeconomic planning, unreasonable investment allocation has led to a crisis of overinvestment in some industries leading to the consequences of oversupply causing waste. That not only causes a loss of money for the State but also seriously affects the ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 4

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 4

The relationship between bank credit and housing prices is relatively close and bidirectional. On the one hand, a continuous increase in housing prices for a long enough time will form a psychological anchorage at high prices in the population, which is supported by certain stimulating factors ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 5

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 5

+ Insurance: providing suitable designed non-life insurance products in the overall package of BIDV ‘s products to customers. + Securities: providing a wide range of brokerage, investment and investment consulting services with the ability to rapidly develop a nationwide system of order-taking ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 6

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 6

The fields of lending with a high percentage are construction, repair, buying houses for living in combination with leasing, which customers repay with non-salary income (VND 57,113 billion), urban construction (VND 49,258 billion). ; building office buildings for rent (VND35,495 billion), ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 7

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 7

Regarding the ability to create low house prices, many new construction technology experts have affirmed that there are many solutions that can reduce construction and material costs by 50%. New technologies such as C-Deck hollow floor technology, Top-base method to reinforce soft ground, ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 8

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 8

While 100% foreign-owned banks focus on the potential retail market with low risk, most Vietnamese banks and even BIDV Quang Trung branch focus on the capital lending market. Business enterprises, especially lending for real estate business, are very risky. This is probably the most ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 9

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 9

The important factors supporting the operation of the real estate market such as real estate brokerage services, consulting, real estate valuation, real estate management services … have not been regulated by law and have not had management measures to affect them. bad for the healthy ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 10

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 10

In order to effectively limit credit risk in real estate lending , like other banks, BIDV Quang Trung is always cautious, careful and accurate in the appraisal of loan projects. Next is to select the most suitable borrowers with stable financial capacity and highly feasible investment ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 11

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 11

In addition, loans for real estate business , despite high interest rates, do not have additional services, have a long loan period, and pose great risks while banks are limited in their medium and long-term credit ratios. However, the bank’s risk management strategy has not been ...

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 12

Solutions to limit bad debt in real estate lending at Joint Stock Commercial Bank for Investment and Development - 12

Diversifying measures to handle bad debts in real estate lending . In addition to overdue debt settlement measures applied at BIDV Quang Trung, there are still some measures that in some cases proved to be very effective in handling overdue debts. + Handling bad debts through direct recovery ...

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