. To supplement short-term working capital for production and trading activities;
. To finance new investment projects and/or the expansion of business scale (eg. construction/upgrading of workshops, acquisition of additional machinery/equipment and transportation means etc).
. To finance import-export activities
. To meet individual's consumption needs
. To satisfy other borrowing needs of customers that are not forbidden by laws.

. One-shot loan: to finance a single business affair of customer.
. Revolving credit line: to supplement short-term and regular working capital to customer.
. Project financing: to provide capital for the implementation of investment projects for business and production development.
. Syndicated loans: IVB co-finances a large-scale project of customer together with other credit institutions.
. Installment loans: to satisfy individual's spending needs for the improvement of living standard.

Apart from the normal credit facilities to meet the financial needs of enterprises and individuals, IVB is offering the following special credit services to best serve customers' capital needs:

. Housing loans: For customers who wish to borrow to purchase houses under Phu My Hung Company's projects, IVB shall consider to give them loans with competitive interest rate as well as suitable loan amount and term which match customers' payment capability.

. Car loans: Customers can easily own a car manufactured by the well known automobile firms such as BMW, FORD, TOYOTA, MITSUBISHI, ISUZU through IVB's car loans service which offers competitive interest rate as well as simple, fast and professional lending procedures.

. Loans against stock: IVB helps individual and corporate customers in their stock trading by providing loans pledged by the stocks listed on the bourse, within only one working day for loan appraisal and approval.