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Fees, conditions & documents for construction and renovation home loan

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1. Fee schedule

1.1 Fee (collected by VIB)

Loan appraisal fee Free
Collateral valuation fee From 1,000,000 VND
SMS fee Free
Early prepayment fee Partial: Minimum 300,000 VND once
Full: Minimum 1,500,000 VND per loan

1.2 Fee (collected by third-party)

Mortgage Contract notarisation fee Approximate 0.1% of contract value
Secured Transaction Registration Fee 80,000 VND
Fire insurance Following Insurance company tariff
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2. Requirement and documents

2.1 Requirement

Nationality Vietnamese or Vietnamese whose spouse is Foreigner
Age From 18 years old and not exceed 70 at loan maturity
Residential/working address Provinces/cities where VIB branches/transaction offices locate
Salaried income Minimum 03 months working at current employer.
Labor contract tenor is 12 months at minimum
Rental income Under ownership and stable income for at least 06 months
Business/household income Minimum 02 years in operation
Minimum income 10 mil VND per month
Credit history No bad debt record in last 02 years

2.2 Document check-list

Documents
  • Identity document: ID/Passport and Household registration book
  • Income document
    • Labor contract và Bank statement/ Payslip
    • Property ownership certificates
    • Business License
  • Loan purpose document
    • Construction license
    • Construction contract
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You still have questions about the product? Let us help you

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