5DE is an application for Salesforce. To support sales, revenue management, output, and expand sales staff. Main function:- Register employees/collaborators- Sales force management- Tools to support the collection of financial records- Statistics and revenue reports- Management of business activities.* Financial record collection features:5De application helps collect financial documents to register for unsecured consumer loansConditions for participating in unsecured consumer loans:- From 20–60 years old, with valid ID card- Have a stable job and be able to repay the loanStandard loan for participating customers:- Loan amount: from 3,000,000 VND to 40,000,000 VND- Minimum repayment period is 3 months (equivalent to 90 days)- Maximum repayment period is 36 months (equivalent to 1080 days)- Minimum annual percentage rate (APR) is 19.9%/year- Maximum annual percentage rate (APR) of 29%/year- Customers do not have to pay any other costsIllustration of loan package:Customer registers for an online loan of 15,000,000 VND with a repayment period of 12 months (360 days), interest rate of 19.9%/year• Bank transfer fee/month, charged by the bank: 13,000 VND• Bank transfer fee of 12 months, charged by the bank: 12,000 * 12 = 144,000 VND• Total interest amount payable for 12 months (Interest amount of 12 months): 15,000,000 x 19.9% = 2,985,000 VND• Interest amount per month: 248,750 VND• Interest amount + fee payable per month (Interest amount per month + Bank transfer fee per month): 248,750 VND + 12,000 VND = 260,750 VND• Total interest + fees payable for 12 months (Total fee & interest of 12 months = Interest amount + Bank transfer fee): 2,985,000 VND + 144,000 VND = 3,129,000 VND• Total principal + interest + fees you have to pay for 12 months (Total = Loan amount + Interest amount + Bank transfer fee): 15,000,000 VND + 2,985,000 VND + 144,000 VND = 18,129,000 VND
5DE
