The RLOS system provides maximum convenience, helping customers easily access capital quickly and effectively.

Breakthrough in the lending experience

National Citizen Commercial Joint Stock Bank (NCB) has just officially launched the new version of RLOS System, marking an important step forward in its digital transformation strategy. This is the leading advanced digital solution on the market, bringing customers an unprecedented convenient loan experience. The new version of RLOS not only increases accuracy, simplifies procedures but also minimizes loan approval time.

With this system, customers who need to borrow money to buy a project house only need to meet NCB staff to receive advice and support for loan approval at any location. After choosing a property that suits their needs and financial capacity, customers will receive a notification of approval in principle via email within 5 minutes, knowing the exact loan limit immediately, quickly and conveniently. The launch of the new version of RLOS not only affirms NCB's commitment to innovation but also brings maximum convenience, helping customers access capital quickly and effectively.

Mr. Nguyen Thanh Tung (a customer in Hanoi) is doing the procedures to borrow money to buy a project house, sharing: “NCB really surprised me. Previously, the procedures to borrow money from the bank often took many days and many steps, but now in just a “snap”, I have enough information to make a decision. The fast, transparent and accurate process helps me save a lot of time and especially the experience is great”.

Currently, this solution has been applied by NCB to a number of real estate projects and products in major markets such as Da Nang, Phu Quoc, Thanh Hoa, Hai Phong, Ha Nam... and is expected to continue to expand in the near future.

In addition to shortening the loan approval time, NCB also offers an extremely attractive interest rate incentive program, starting from only 5.49%/year, with a maximum loan limit of up to 100% of the customer's credit needs. In particular, customers can borrow for up to 35 years, with a principal grace period of up to 36 months. This not only reduces financial pressure in the first years but also helps customers feel secure in building a long-term financial plan.

Accelerate in 2025: Accelerate on new technology platforms

NCB is gradually moving towards the goal of becoming the leading bank providing financial services and solutions in the market.

In recent years, NCB has made its mark with a series of outstanding achievements in digital transformation. NCB is the first bank to deploy the feature of opening payment accounts from the VNeID electronic identification application of the Ministry of Public Security and allowing receiving social security support funds directly into NCB accounts without having to go to the headquarters of the competent authority, bringing simplicity, safety and convenience to people, contributing to promoting cashless payments according to the Government's policy.

The bank also surpassed nearly 380 domestic and international teams to win the Encouragement Prize at the "Data for Life 2024" competition in its first participation with a highly applicable technology solution, while the NCB iziBankbiz Digital Banking application for corporate customers was honored for 2 consecutive years as "Top 50 Trusted Products - Services in Vietnam 2024",...

In 2025, NCB said it will continue to strongly implement digital transformation according to a new strategy, pioneering the development of products and services on a cutting-edge technology platform, promising to bring breakthroughs in financial solutions for NCB customers.

With investment and strong steps in digital transformation strategy, NCB is gradually realizing the goal of bringing banking experiences through innovative and creative thinking, being the center of financial service innovation, contributing to the sustainable development of the community that NCB serves.

Source: https://thoibaonganhang.vn/ncb-xet-duyet-khoan-vay-sieu-toc-nho-tien-phong-ung-dung-cong-nghe-hien-dai-162766.html