CP NHT IU KIN
VAY TIU DNG ANZ
Hiu lc t: 22/05/2017
iu khon Ni dung hin ti
iu khon 2 - 2.1 Li sut s c tnh theo nm dng lch trn c s
Li v Ph mi nm c 360 ngy.
2.2 Li s c cng dn theo ngy, c tnh trn c s
s d thc t ca Khon Vay.
2.3 Ngn Hng c quyn thay i phng php tnh, s
ln tnh v bt k cc iu khon thanh ton no bng
thng bo trc cho Bn Vay theo iu 12.
2.4 Bn Vay cng nhn v ng rng nu phng php
tnh dn tch ca Ngn Hng lm pht sinh mt khon d
n cn li phi thanh ton vo t tr n cui cng th s
d n ny s tr thnh mt phn ca t tr n cui cng
v phi c thanh ton cng vi t tr n cui cng.
iu khon 3 - 3.4 Ngn Hng s p dng khon thanh ton bt k ca
Hon tr n Bn Vay vo vic thanh ton cc loi ph, chi ph, n li, n
vay gc n hn theo bt k th t no m Ngn Hng thy
thch hp.
iu khon 4 - Cha p dng
C Cu Li
Thi Hn Tr
N Nam.
iu khon 6 - 5. (a) Tuyn b n hn phi thanh ton i vi, v yu cu
Quyn ca Ngn hon tr, bt k khon no cha thanh ton cng vi li v
Hng trong ph pht sinh, v cc khon ni trn s n hn phi tr
trng hp S ngay lp tc.
Kin Vi Phm
iu khon 7 - 6. Li qu hn
Li qu hn v
6.1 Nu Bn Vay khng thanh ton y cho Ngn
Ph
Hng bt k khon tin no n hn trong vng 03
ngy k t ngy n hn (thi gian n hn), Ngn
Hng s p dng mt li sut qu hn khng vt
qu 150% trn mc li sut p dng i vi Tng D
N, c tnh t ngy ngay sau ngy cui cng ca
thi gian n hn. Tng D N c nh ngha l
tng s tin gc cn n ca Khon Vay v tng s
tin li cng dn i vi Khon Vay c tnh k t
ngy n hn.
6.2 Sau khi Bn Vay thanh ton y tin li qu hn
nh quy nh ti iu 6.1 v (cc) khon hon tr
hng thng n hn nhng cha c thanh ton,
vic thanh ton n gc v li ca Khon Vay s c
khi phc li theo phng thc v s tin thanh
ton nh quy nh ti iu 3.2.
6.3 Ngn Hng c th p dng cc khon ph v l ph
lin quan dn Khon Vay, c quy nh ti Biu Ph
Vay Tiu Dng ANZ ty tng thi im. Ngn Hng
c quyn thay i cc khon ph v l ph ny vo
bt k lc no theo cch thc c quy nh ti
iu 15.2.
Ni dung c cp nht
2.1 Li sut s c tnh theo nm dng lch trn c s
mi nm c 360 ngy. Li sut ny c th c quy i
trn c s mi nm c 365 ngy bng cch ly Li sut
ny chia 360 v nhn vi 365.
2.2 Li s c cng dn theo ngy, c tnh trn c s
s d thc t ca Khon Vay v c tnh bt u t
ngy gii ngn Khon Vay.
2.3 Ngn Hng c quyn thay i phng php tnh, s
ln tnh v bt k cc iu khon thanh ton no bng
thng bo trc cho Bn Vay theo iu 13.
2.4 Bn Vay cng nhn v ng rng nu phng php
tnh dn tch ca Ngn Hng lm pht sinh mt khon
d n cn li phi thanh ton vo t tr n cui cng
th s d n ny s tr thnh mt phn ca t tr n
cui cng v phi c thanh ton cng vi t tr n
cui cng.
3.4 Ngn Hng s p dng khon thanh ton bt k ca
Bn Vay vo vic thanh ton theo th t cc loi ph, n li,
n gc n hn, tr khi php lut Vit Nam c quy nh
khc.
Vic iu chnh k hn tr n hoc gia hn n i vi
Khon Vay c th c thc hin theo ton quyn quyt
nh ca Ngn Hng v theo quy nh ca php lut Vit
6. (a)(a) Tuyn b n hn phi thanh ton i vi, v yu
cu hon tr, bt k khon no cha thanh ton cng vi
li v ph pht sinh, v cc khon ni trn s n hn phi
tr ngay lp tc.
7. Li qu hn v Ph
7.1 Li qu hn
(a) Nu Bn Vay khng thanh ton bt k khon tin gc
no m Bn Vay phi tr theo Hp ng Vay trong
vng 3 (ba) ngy k t vo ngy n hn ca khon
, li s tch ly trn khon tin gc cha thanh ton
k t ngy n hn n ngy thanh ton thc t
(c trc v sau khi c phn quyt) theo mc li sut l
150% trn mc li sut p dng cho Khon Vay.
(b) Nu Bn Vay khng thanh ton khon tin li no m
Bn Vay phi tr theo Hp ng Vay trong vng 3 (ba)
ngy k t vo ngy n hn ca khon , li s tch
ly trn khon tin li cha thanh ton k t ngy
n hn n ngy thanh ton thc t (c trc v sau
khi c phn quyt) theo mc li sut l 10%/nm.
(c) Bt k khon li qu hn no u phi c thanh
ton ngay lp tc theo yu cu ca Ngn Hng. Sau
khi Bn Vay thanh ton y tin li qu hn v (cc)
khon hon tr hng thng n hn nhng cha
c thanh ton, vic thanh ton n gc v li ca
Khon Vay s c khi phc li theo phng thc v
s tin thanh ton nh quy nh ti iu 3.2.
01
iu khon Ni dung hin ti
iu khon 8 - 7. Tr n trc hn v Hu Khon Vay
Tr n trc
7.1 Bn Vay c th yu cu c tr n trc hn hoc
hn v Hu
c hu Khon Vay (hoc ton b d n cha
Khon Vay
thanh ton ca Khon Vay) bng cch gi vn bn
yu cu n Ngn Hng. Cc khon c tr trc
hn hoc c hu u phi c thanh ton y
cng vi li pht sinh bng ng Vit Nam vo
ngy tr n trc hn theo d nh. Ngn Hng c
quyn chp nhn hoc t chi vic tr n trc hn
hoc hu Khon Vay nh ni trn.
7.2 Thanh ton Khon Vay trc hn v/hoc hu Khon
Vay s c tnh theo t l 5,00% gi tr tr trc hn
nu c thc hin trong thi gian 3 nm u hoc
2,00% gi tr tr trc hn nu c thc hin t
nm th t tr i (nhng ti thiu l 1.500.000
ng). Ngn Hng c quyn thay i mc ph ny ti
bt k thi im no theo cch thc c quy nh
ti iu 15.2.
iu khon13 - 12. Thng Bo v Trao i Lin Lc t pha ANZ
Thng Bo v
12.1 Bt k thng bo, th t hoc trao i lin lc no
Trao i Lin
khc t Ngn Hng n Bn Vay c th c thc hin
Lc t pha
theo bt k hnh thc no quy nh di y n a
ANZ
ch, s in thoi/fax hoc email ghi trong n ng
K, v s c xem l c hiu lc nh c quy nh:
(i) trong trng hp c lp thnh vn bn v giao
tn tay hoc gi chuyn pht nhanh, vo ngy giao;
(ii) trong trng hp gi bng fax, vo ngy nhn
c bn fax theo hnh thc c th c c;
(iii) trong trng hp gi bng th c xc nhn hoc
th bo m (th hng khng nu gi ra nc
ngoi) hoc gi bng phng thc tng t (c
hi bo), vo ngy giao th hoc ngy c gng
giao th; hoc
(iv) trong trng hp gi bng email, tin nhn hoc
gi qua cc phng tin in t khc, vo ngy gi
i, tr khi ngy gi (hoc ngy c gng gi) hoc
ngy nhn, ty trng hp, khng phi l mt
Ngy Lm Vic hoc th t c gi (hoc c gng
c gi) hoc c nhn, ty trng hp, sau gi
lm vic vo mt Ngy Lm Vic, trong trng hp
ny th t s xem l c gi v c hiu lc vo
Ngy Lm Vic ngay sau .
(v) (A) trong trng hp cng b trn website ca
Ngn Hng ti a ch www.anz.com/vietnam, 30
ngy k t ngy cng b trn website; (B) trong
trng hp nim yt ti bt k chi nhnh hoc vn
phng no ca Ngn Hng ti Vit Nam, 30 ngy k
t ngy nim yt; hoc (C) trong trng hp ng
qung co trn cc t bo ln pht hnh hng
ngy hoc t bo quc gia hoc trn truyn thng
i chng, 2 ngy k t ngy ng.
12.2. Ngn Hng s khng c ngha v phi m bo vic
Bn Vay thc t nhn c thng bo/th t/trao
i lin lc .
Ni dung c cp nht
7.2 Ph
Ngn Hng c th p dng cc khon ph v l ph
lin quan n Khon Vay, c quy nh ti Biu Ph
Vay Tiu Dng ANZ ty tng thi im. Ngn Hng c
quyn thay i cc khon ph v l ph ny vo bt k
lc no theo cch thc c quy nh ti iu 16.2.
8. Tr n trc hn v Hu Khon Vay
8.1 Bn Vay c th yu cu c tr n trc hn hoc
c hu Khon Vay (hoc ton b d n cha thanh
ton ca Khon Vay) bng cch gi vn bn yu cu
n Ngn Hng, tuy nhin Bn Vay khng c tr n
trc hn hoc hy Khon Vay trong vng 6 (su)
thng k t ngy gii ngn Khon Vay. Cc khon
c tr trc hn hoc c hu u phi c
thanh ton y cng vi li pht sinh bng ng
Vit Nam vo ngy tr n trc hn theo d nh.
Ngn Hng c quyn chp nhn hoc t chi vic tr
n trc hn hoc hu Khon Vay nh ni trn.
8.2 Thanh ton Khon Vay trc hn v/hoc hu Khon
Vay s c tnh theo t l 5,00% gi tr tr trc hn
nu c thc hin trong thi gian 3 nm u hoc
2,00% gi tr tr trc hn nu c thc hin t nm
th t tr i (nhng ti thiu l 1.500.000 ng). Ngn
Hng c quyn thay i mc ph ny ti bt k thi
im no theo cch thc c quy nh ti iu 16.2.
13. Thng Bo v Trao i Lin Lc t pha ANZ
Bt k thng bo, th t hoc trao i lin lc no
khc t Ngn Hng n Bn Vay c th c thc
hin theo bt k hnh thc no quy nh di y
n a ch, s in thoi/fax hoc email ghi trong
n ng K, v s c xem l c hiu lc nh
c quy nh:
(i) trong trng hp c lp thnh vn bn v giao
tn tay hoc gi chuyn pht nhanh, vo ngy
giao;
(ii) trong trng hp gi bng fax, vo ngy nhn
c bn fax theo hnh thc c th c c;
(iii) vo Ngy Lm Vic th 5 (ti a ch gi) sau khi
gi, trong trng hp gi th thng (khng
bng th hi bo hoc th bo m);
(iv) vo ngy th c giao hoc c gng giao, trong
trng hp gi th hi bo hoc th bo m
(th my bay nu gi ra nc ngoi) hoc
phng tin tng t (c bin nhn hi bo);
(v) vo thi im gi cho ngi nhn, trong trng
hp gi th in t hoc tin nhn qua in thoi
di ng (SMS) hoc gi qua cc phng tin in
t khc, tr khi ANZ nhn c th t ng bo
th cha c gi;
(vi) (A) trong trng hp cng b trn website ca
Ngn Hng ti a ch www.anz.com/vietnam, 30
ngy k t ngy cng b trn website; (B) trong
trng hp nim yt ti bt k chi nhnh hoc
vn phng no ca Ngn Hng ti Vit Nam, 30
ngy k t ngy nim yt; hoc (C) trong trng
hp ng qung co trn cc t bo ln pht
hnh hng ngy hoc t bo quc gia hoc trn
truyn thng i chng, 2 ngy k t ngy ng.
02
iu khon Ni dung hin ti
iu khon 16 - 15. Lut iu chnh, Gii quyt tranh chp v Thay i cc
Lut iu chnh, iu khon v iu kin
Gii quyt
15.2 Bn Vay ng rng Ngn Hng ti bt k thi
tranh chp v
im no c ton quyn iu chnh, b sung, sa
Thay i cc
i hoc bng cch khc thay i bt k iu khon
iu khon v
no trong cc iu Khon v iu Kin ny cng
iu kin
nhmc li sut, ph v chi ph lin quan n Khon
Vay bng cch gi thng bo cho Bn Vay theo cc
phng thc lin lc nh quy nh ti iu 12 ca
cc iu Khon v iu Kin ny, v cc thay i ni
trn s c hiu lc k t ngy ghi trong thng bo
v c gi tr rng buc Bn Vay. Nu Bn Vay khng
ng vi cc thay i th Bn Vay phi thng
bo cho Ngn Hng trong vng ba (3) Ngy Lm
Vic k t ngy nhn c (hoc c xem l nhn
c) thng bo ca Ngn Hng, ng thi Bn Vay
ng hon tr Khon Vay cng vi mi li cng
dn, ph, chi ph pht sinh lin quan n vic chm
dt Khon Vay cho Ngn Hng (tr khi c Ngn
Hng chp thun khc i). Vic Bn Vay khng thng
bo phn i trong thi gian quy nh s c xem
l Bn Vay chp thun vi cc thay i .
iu khon 17 - 16. Chuyn nhng
Chuyn nhng
16.1 Bn Vay khng th chuyn nhng hoc chuyn
giao bt k quyn hoc ngha v no ca mnh theo
Hp ng Vay tr khi c vn bn chp thun trc
ca Ngn Hng, tr trng hp nh quy nh ti
iu 10 trn.
16.2 Ngn Hng c th chuyn nhng hoc chuyn
giao tt c hoc mt phn quyn ca mnh theo Hp
ng Vay m khng cn c s chp thun ca Bn
Vay, vi chi ph do Ngn Hng chu. Ngn Hng s
thng bo cho Bn Vay v bt k s chuyn nhng
hay chuyn giao no do Ngn Hng thc hin.
Ni dung c cp nht
16. Lut iu chnh, Gii quyt tranh chp v Thay i cc
iu khon v iu kin
16.2 Bn Vay ng rng Ngn Hng c th iu chnh,
b sung, sa i hoc bng cch khc thay i bt
k iu khon no trong cc iu Khon v iu
Kin ny cng nh mc li sut, ph v chi ph lin
quan n Khon Vay bng cch gi thng bo cho
Bn Vay theo cc phng thc lin lc nh quy nh
ti iu 13 ca cc iu Khon v iu Kin ny, v
cc thay i ni trn s c hiu lc k t ngy ghi
trong thng bo v c gi tr rng buc Bn Vay. Nu
Bn Vay khng ng vi cc thay i th Bn Vay
phi thng bo cho Ngn Hng trong vng ba (3)
Ngy Lm Vic k t ngy nhn c (hoc c
xem l nhn c) thng bo ca Ngn Hng, ng
thi Bn Vay ng hon tr Khon Vay cng vi
mi li cng dn, ph, chi ph pht sinh lin quan n
vic chm dt Khon Vay cho Ngn Hng (tr khi
c Ngn Hng chp thun khc i). Vic Bn Vay
khng thng bo phn i trong thi gian quy nh
s c xem l Bn Vay chp thun vi cc thay
i .
17.1 Chuyn nhng bi Bn Vay
Bn Vay khng th chuyn nhng hoc chuyn
giao bt k quyn hoc ngha v no ca mnh theo
Hp ng Vay tr khi c vn bn chp thun trc
ca Ngn Hng, tr trng hp nh quy nh ti
iu 11 trn.
17.2 Chuyn nhng bi Ngn Hng
(a) Ngn Hng c quyn chuyn nhng hoc chuyn
giao tt c hoc bt k quyn no ca mnh theo
Hp ng Vay m khng cn s ng ca Bn Vay.
Ngn Hng khng c chuyn giao ngha v ca
mnh theo Hp ng Vay cho bn th ba m khng
c Bn Vay ng , tr trng hp theo quy nh
ti iu 17.2(b) bn di.
(b) Trong trng hp Ngn Hng thc hin ti cu trc,
chuyn giao, chuyn nhng hoc thay i hot
ng kinh doanh hoc cc trng hp khc c
php lut cho php, Bn Vay bng iu khon ny
ng trc l Ngn Hng c php chuyn giao
tt c hoc bt k ngha v no ca mnh theo Hp
ng Vay cho bt k t chc tn dng no hot
ng ti Vit Nam m khng cn phi hi thm
kin Bn Vay ti thi im chuyn giao , vi iu
kin l: (i) vic chuyn giao khng lm tng cc
ngha v ca Bn Vay theo Hp ng Vay; v (ii)
Ngn Hng s gi thng bo v vic chuyn giao
cho Bn Vay t nht 20 Ngy Lm Vic trc ngy
chuyn giao d kin v theo cch thc thng bo
quy nh ti iu 13. Bn Vay ng s k kt tt c
cc ti liu cn thit (nu c) theo yu cu ca Ngn
Hng m bo vic chuyn nhng c hiu lc.
03
CHANGES OF ANZ PERSONAL LOAN
TERMS AND CONDITONS
Effective 22nd May, 2017
Clause Existing content
Clause 2 - 2.1 Interest rate shall be calculated on the annual basis of
Interest and the calendar and each year shall have 360 days.
Fees
2.2 Interest shall be accrued on a daily basis, calculated
based on the actual outstanding balance of the Loan.
2.3 The Bank may change the method of calculation,
frequency and any repayments terms with prior notice to
the Borrower in accordance with Clause 12.
2.4 The Borrower acknowledges and agrees that if the
accrual calculation method used by the Bank results in a
residual outstanding balance to be repaid on the last
instalment, this will form part of the final instalment and
shall be paid together with the final instalment.
Clause 3 - 3.4 The Bank shall apply the repayment made by the
Repayment Borrower towards any due fees, expenses, interest,
principal in any hierarchy it deems fit.
Clause 4 - Not Applicable
Extension of
Repayment
Date
Clause 6 - 5. (a) Declare due and payable and demand repayment of
The Banks any outstanding amount along with any accrued interest
rights upon an and fees and such amounts shall become due and payable
Event of immediately;
Default
Clause 7 - 6. Default Interest and Fees
Default
6.1 If the Borrower fails to repay in full any amount due
Interest and
and payable to the Bank within 3 calendar days from
Fees
its due date (the "grace period"), default interest of
not exceeding 150% over the applicable interest shall
be applied to the Outstanding Balance calculating
from the date immediately following the expiry of
the grace period.
For the purpose of this Clause, the Outstanding
Balance shall be the sum of accrued interests on the
Loan calculating from the due date and the total
outstanding principal amount of the Loan.
6.2 Upon Borrowers full payment of the default interests
as mention in Clause 6.1 above and all Monthly
Instalment(s) due but remaining unpaid, payment of
principal and interest of the Loan shall be restored to
the payment mechanism as provided in Clause 3.2.
6.3 The Bank may impose fees and charges in
connection with the Loan, which are as set out in
ANZ Personal Loan Schedule of fees and charges
from time to time. The Bank reserves the right to
change such fees and charges at any time in the
manner as set out in Clause 15.2
Updated content
2.1 Interest rate shall be calculated on the basis of a year of
360 days. This interest rate can be converted to a rate on
the basis of a year of 365 days by dividing by 360 and
multiplying with 365.
2.2 Interest shall be accrued on a daily basis, calculated
based on the actual outstanding balance of the Loan and
calculated from the date of disbursement of the Loan.
2.3 The Bank may change the method of calculation,
frequency and any repayments terms with prior notice to
the Borrower in accordance with Clause 13.
2.4 The Borrower acknowledges and agrees that if the
accrual calculation method used by the Bank results in a
residual outstanding balance to be repaid on the last
instalment, this will form part of the final instalment and
shall be paid together with the final instalment
3.4 Any repayment made by the Borrower shall be applied
to repay any due fees, interest, and principal, unless
otherwise required by the laws of Vietnam.
Extension of repayment date or restructuring of repayment
of the Loan may be allowed at the Banks sole discretion
and in accordance with the laws of Vietnam.
6. (a) Declare due and payable and demand repayment of
any outstanding amount along with any accrued interest
and fees and such amounts shall become due and payable
immediately;
7. Default Interest and Fees
7.1 Default Interest
(a) If the Borrower fails to pay any principal amount
payable by it under the Loan Agreement within 3
(three) calendar days from its due date, default
interest at a rate of 150% above the applicable
interest rate for the Loan shall accrue on the overdue
principal amount from the due date up to the date
of actual payment (both before and after judgment).
(b) If the Borrower fails to pay any interests amount
payable by it under the Loan Agreement within 3
(three) calendar days from its due date, default
interest at a rate of 10% per annum shall accrue on
the overdue interests amount from the due date up
to the date of actual payment (both before and after
judgment).
(c) Any default interest is immediately payable on
demand. Upon Borrowers full payment of the
default interests and all Monthly Instalment(s) due
but remaining unpaid, payment of principal and
interest of the Loan shall be restored to the payment
mechanism as provided in Clause 3.2.
01
Clause Existing content
Clause 8 - 7. Prepayment and Cancellation
Prepayment
7.1 The Borrower may request prepayment or
and
cancellation of the Loan (or all outstanding thereof )
Cancellation
by sending a written request to the Bank. Any
amount prepaid or cancelled must be made in full
along with any accrued interest in Vietnamese Dong
on the proposed prepayment date. The Bank
reserves the right to accept or refuse any such
prepayment or cancellation.
7.2 An early repayment and/or cancellation fee shall be
paid at the rate of 5.00% of the prepaid amount for
the first 3 years or 2.00% of the prepaid amount from
the 4th year onward (provided that such fee shall be
minimum VND1,500,000). The Bank reserves the right
to change such fee at any time in the manner as set
out in Clause 15.2
Clause 13 - 12. Notifications and Communications by ANZ
Notifications
12.1 Any notice, correspondence or other
and
communication from ANZ to the Borrower may be
Communicatio
given in any manner set forth below to the address,
ns by ANZ
telephone/fax number or email set out in the
Application Form, and will be deemed duly received
by the Borrower:
(i) if in writing and delivered in person or by courier,
on the date it is delivered;
(ii) if sent by fax transmission, on the date that
transmission is received in legible form;
(iii) if sent by mail, on the date that mail is delivered
or its delivery is attempted;
(iv) if sent by email, SMS or other electronic means,
on the date it is delivered, unless the date of that
delivery (or attempted delivery) or the receipt, as
applicable, is not a Business Day or that
communication is delivered (or attempted) or
received, as applicable, after the close of business
on a Business Day, in which case that
communication shall be deemed given and
effective on the first following day that is a
Business Day;
(v) (A) if displayed on ANZs website at
www.anz.com/vietnam, 30 days from the date of
displaying on such website; (B) if displayed in any
of ANZs branches or offices in Vietnam, 30 days
from the date of such display; or (C) if displayed
by advertisement in major daily or national
newspapers or mass media, 2 days from the date
of such advertisement.
12.2 ANZ shall not be obliged to ensure the Borrower
has actually received such
notice/correspondence/communication
Updated content
7.2 Fees
The Bank may impose fees and charges in
connection with the Loan, which are as set out in
ANZ Personal Loan Schedule of fees and charges
from time to time. The Bank reserves the right to
change such fees and charges at any time in the
manner as set out in Clause 16.2
8. Prepayment and Cancellation
8.1 The Borrower may request prepayment or
cancellation of the Loan (or all outstanding thereof )
by sending a written request to the Bank, provided
that no prepayment or cancellation request can be
made for the period of 6 (six) months from the date
of disbursement of the Loan. Any amount prepaid or
cancelled must be made in full along with any
accrued interest in Vietnamese Dong on the
proposed prepayment date. The Bank reserves the
right to accept or refuse any such prepayment or
cancellation.
8.2 An early repayment and/or cancellation fee shall be
paid at the rate of 5.00% of the prepaid amount for
the first 3 years or 2.00% of the prepaid amount from
the 4th year onward (provided that such fee shall be
minimum VND1,500,000). The Bank reserves the right
to change such fee at any time in the manner as set
out in Clause 16.2.
13. Notifications and Communications by ANZ
Any notice, correspondence or other communication
from ANZ to the Borrower may be given in any
manner set forth below to the address,
telephone/fax number or email set out in the
Application Form, and will be deemed duly received
by the Borrower:
(i) if in writing and delivered in person or by courier,
on the date it is delivered;
(ii) if sent by fax transmission, on the date that
transmission is received in legible form;
(iii) if sent by ordinary mail (not certified or registered
mail), on the 5th Business Day (at the address to
which it is posted) after posting;
(iv) if sent by certified or registered mail (airmail, if
overseas) or equivalent (return receipt requested),
on the date that mail is delivered or its delivery is
attempted;
(v) if sent by email, SMS or other electronic means, at
the time sent to the recipient unless ANZ receives
an automated message that the message has not
been delivered;
(vi) (A) if displayed on ANZs website at
www.anz.com/vietnam, 30 days from the date of
displaying on such website; (B) if displayed in any
of ANZs branches or offices in Vietnam, 30 days
from the date of such display; or (C) if displayed
by advertisement in major daily or national
newspapers or mass media, 2 days from the date
of such advertisement.
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Clause Existing content
Clause 16 - 15. Governing Law, Dispute Resolution and Variation to the
Governing Law, Terms and Conditions
Dispute
15.2 The Borrower agrees that the Bank may, at any time
Resolution and
and at its sole discretion, amend, supplement, revise
Variation to the
or otherwise change any provision in these Terms
Terms and
and Conditions and interest rates, fees and charges in
Conditions
relation to the Loan by serving notice to the
Borrower in the communication modes as set out in
Clause 12 of these Terms and Conditions and such
changes shall take effect from the date specified in
the notice and shall be binding on the Borrower. If
the Borrower disagrees to the proposed
amendments, the Borrower must notify the Bank
within three (3) Business Days of his receipt (or
deemed receipt) of the Bank's notice and
concurrently repay all outstanding amounts
(including all accrued interests, fees, charges in
relation to the termination of the Loan) to the Bank
unless otherwise agreed by the Bank. Failing which,
the Borrower shall be deemed to have accepted
such proposed amendments.
Clause 17 - 16. Assignment
Transfers
16.1 The Borrower may not assign or transfer any of its
rights or obligations under the Loan Agreement
unless prior consented by the Bank in writing, except
the cases specified in Clause 10 above.
16.2 The Bank may assign or transfer all or part of its
rights under the Loan Agreement without any
consent of the Borrower, at the Banks own cost. The
Bank shall notify the Borrower of any assignment or
transfer made by the Bank.
Updated content
16. Governing Law, Dispute Resolution and Variation to the
Terms and Condition
16.2 The Borrower agrees that the Bank may amend,
supplement, revise or otherwise change any
provision in these Terms and Conditions and interest
rates, fees and charges in relation to the Loan by
serving notice to the Borrower in the communication
modes as set out in Clause 13 of these Terms and
Conditions and such changes shall take effect from
the date specified in the notice and shall be binding
on the Borrower. If the Borrower disagrees to the
proposed amendments, the Borrower must notify
the Bank within three (3) Business Days of his receipt
(or deemed receipt) of the Bank's notice and
concurrently repay all outstanding amounts
(including all accrued interests, fees, charges in
relation to the termination of the Loan) to the Bank
unless otherwise agreed by the Bank. Failing which,
the Borrower shall be deemed to have accepted
such proposed amendments .
17. Transfer
17.1 Transfer by Borrower
The Borrower may not assign or transfer any of its
rights or obligations under the Loan Agreement
unless prior consented by the Bank in writing, except
the cases specified in Clause 11 above.
17.2 Transfer by the Bank
(a) The Bank may assign or transfer any of its rights
under the Loan Agreement without consent of the
Borrower. The Bank may not assign or transfer any of
its obligations under the Loan Agreement without
prior consent of the Borrower, except for the
circumstances as set out in Clause 17.2(b) below.
(b) In case the Bank carries out re-structuring or transfer
of or change to its business or other circumstances
as permitted by the laws of Vietnam, Borrower
hereby agrees in advance for the benefit of the Bank
that the Bank may assign or transfer any and all of its
obligations under the Loan Agreement to any credit
institutions operating in Vietnam without
consultation with the Borrower at the time of such
assignment or transfer, provided that: (i) such
assignment or transfer does not increase obligations
of the Borrower under the Loan Agreement; and (ii)
the Bank will send a notice to the Borrower on the
assignment or transfer at least 20 Business Days
before the proposed assignment date in the manner
as stipulated in Clause 13. The Borrower agrees to
execute all required documents (if any), at the
request of the Bank, to give effect to such
assignment or transfer.
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