ASSESSMENT PROCESS INVESTMENT PROJECTS LOAN PURPOSE

Collect necessary documents and information

a/ Profile of the unit:
– Documents proving the legal entity to borrow capital: Establishment decision, establishment license, business license, decision on appointment of the board of directors, chief accountant, minutes of election of the board of directors, charter of operation motion.
– Documents to report production and business situation such as:
Asset balance sheet.
+ Report on business results.
+ Loan application form.

b/ Project profile:
– Results of research steps: Opportunity research, pre-feasibility study.
– Approved economic and technical arguments.
– Import and export contracts, input and output contracts.
Papers for decision on land allocation, land lease, land use, capital construction permit.

Other reference materials

– Documents about policies and directions for socio-economic development.
– Relevant legal documents: Law on foreign investment in Vietnam, domestic investment law, tax law, import-export policy…
–  Statistical documents of the General Statistics Office.
– Information materials and analysis of domestic and foreign markets provided by domestic and foreign market research centers. Information and documents of other ministries, departments and branches.
– The opinions of professional agencies, experts, documents recorded through meetings, interviews with investors, foremen, customers…

Processing – analyzing – evaluating information

After collecting all necessary documents and information, the bank arranges and evaluates the information, thereby processing and analyzing information accurately, quickly and in a timely manner in order to better serve the customers for project appraisal.

Prepare an investment project appraisal report

Depending on the nature and scale of the project, the appraiser will write an investment project appraisal report at different levels of detail. The appraisal report should cover some of the following issues:
– About the enterprise: The rationality, legality, production and business situation and other issues.
– About the project: It is necessary to summarize the project.
– Appraisal results: Appreciating a number of customer issues such as legal capacity, character and reputation, financial capacity, loan options and debt repayment ability, assessment of loan guarantees of cutomer. Regarding the project, it is necessary to evaluate the feasibility of the project.
– Conclusion: General comments and suggestions and solutions to the projects problems.
The requirements set out with the appraisal report are to be accurate, complete and clear for the banks leadership to make a decision on whether to lend or not and to promptly notify customers.

With a pioneering mission in the field of valuation as well as providing the most accurate appraisal results, Indochina Company brings to customers professional valuation services. INDOCHINE valuation certificate is fully legal and valid nationwide, used for many different purposes such as: Purchase, sale, transfer, equitization, joint venture capital contribution, compensation - settlement clearance, civil dispute settlement, liquidation, asset sale, bank loans, proof of assets for studying abroad, tourism...