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-Time division is important for banks because the time is closely related to
the safety and profitability of credit in general and the ability of customers
to repay: The longer of the loan period, the more the greater the risk, the
higher the interest rate. Moreover, the division over time also helps the
bank ensure the maturity matching between mobilized funds and loan
amounts. In 2017, the short-term loans accounted for the largest
percentage. But in 2018 the largest percentage belongs to the long-term
loanso.
-Because Techcombank has preferential policies for many enterprises. So
long-term loans in 2018 compared to 2017 increased 5.31%. because
long-term loans are intended to finance basic construction works such as
construction of houses, airports, bridges and roads, equipment, large-
scale means of transport, construction of new enterprises ...
-Long-term loans is the highest proportion, due to Techcombank link with
Vin Group so that, it obtain a great benefit. Real estate and housing loans
are a huge number at Techcombank. Because real estate and housing
loans are belong to long term loans.