Tiền Phong Linh Hoạt

Tien Phong Flexible – A flexible and fast personal finance support application

1. What is Tien Phong Flexible?

Tien Phong Flexible is a platform for cash loans and personal consumer loans designed for people who need quick capital to address immediate needs – from unexpected living expenses, tuition fees, medical bills, car repairs, purchasing equipment for work, to supporting family.

No collateral required.

No cumbersome procedures at the counter.

The entire process takes place online on your phone.

We aim for two important things:

● Fast disbursement when you really need it.

● Transparent costs so you always know what you're paying for.

Whether you need cash urgently, have bills to pay quickly, or simply want to plan your finances smarter, Tien Phong Flexible helps you access a suitable credit limit without creating unnecessary pressure.

---

2. Highlights of Tien Phong Flexible

● Maximum loan limit: up to VND 25,000,000.

(Actual limit will depend on the credit assessment and the repayment ability of each customer.)

● Flexible term: from 93 days to a maximum of 365 days, allowing you to proactively choose a suitable payment schedule instead of having to pay the entire amount in a few days.

● Annual interest rate (APR): ranges from 18% - 24%/year.

The actual APR is clearly displayed before disbursement and depends on the credit risk assessment.

● Smart approval process: Electronic identification, identity verification, and application assessment are all done online.

---

3. Example of a loan

The example below helps you visualize the calculation. This is not an actual loan proposal.

● Approved loan amount: 10,000,000 VND

● Loan term: 180 days (6 months)

● Annual Rate of Interest (APR): 24%/year

● Equivalent monthly interest rate: 24% / 12 ≈ 2% per month

Illustrative calculation:

● Monthly interest:

10,000,000 VND × 2% = 200,000 VND/month

● Monthly principal repayment (assuming equal for 6 months):

10,000,000 VND / 6 ≈ 1,666,667 VND/month

→ Estimated monthly payment:

1,666,667 VND (principal)

● 200,000 VND (Interest)

≈ 1,866,667 VND/month

Total amount expected to be repaid after 6 months:

10,000,000 VND (principal) + 1,200,000 VND (interest) = 11,200,000 VND

Note:

● The above figures are for illustrative purposes only.

● The actual payment plan may differ.

● The final conditions will be clearly displayed in the application before you agree to receive the money.

---

4. How to apply for a loan with Tien Phong Flexible

1. Download and install the Tien Phong Flexible application on your phone.

2. Register using your current phone number and receive an OTP code for verification.

3. Complete the online loan application: take a photo of your face, a photo of your ID card/passport, and provide basic information about your income and bank account for receiving funds.

4. Receive the appraisal results in a short time.

5. Disburse funds to your registered bank account once the loan is approved.

The entire process is optimized so that even new users can complete it quickly, without needing to print documents or sign directly at the counter.

---

5. Commitment to Transparency and Compliance

● Transparent costs: All valid interest rates and installment plans are clearly displayed for your review before disbursement. Disagreement → No loan disbursement.

● Data security: Personal information, identifying images, and transaction data are protected in accordance with Vietnamese law on personal data protection and network information security.

● Responsible credit assessment: Loan limits and terms are proposed based on your ability to repay, helping you avoid financial burdens beyond your means.

● Support throughout the loan lifecycle: From application to repayment, you always have a channel to ask questions, confirm, verify receipts, or request technical support.

---

6. Contact Information for Support

TIEN PHONG VIET FINANCE JOINT STOCK COMPANY

Product: Tien Phong Flexible Loan

Address: 28, Lane 366, Ngoc Lam Street, Bo De Ward, Hanoi City

Customer service email: online@tienphongcompany.com

Website: www.tienphonglinhhoat.vn