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Features
Features

The loan value and tenor

The loan values can be up to 80% of the collateral and the loan tenor is up to 25 years.

The repayment method

The loans are repaid in installments flexibly depending on your financial capability: The principals are paid every month, every quarter or every 6 month and the interests are paid monthly.

Interest rate

VIB is currently offering many attractive preferential interest rates.

5 simple steps to apply for a mortgage loan
5 simple steps to apply for a mortgage loan
  • 1

    Learn about loan programs suitable to individual needs

  • 2

    Prepare necessary documents to complete lending procedures

  • 3

    Receive the loan approval

  • 4

    Coordinate with the Bank to complete necessary legal procedures

  • 5

    Get disbursement

Conditions
Conditions

Conditions for borrowers

Nationality
Vietnamese residents or foreigners whose spouses are Vietnamese residents.

Age
From 18 to 70 years old or below until the maturity period of loans.

Working experience
Having at least 03 months at current job; having formal labor contract with a term of 12 months or above.

Business experience
Having at least 2 years of business experience for customers being business owners or using part of revenues from business operations to repay loans.

Incomes
At least VND 10 million per month.

Credit history
Having no bad debts to VIB and other banks  in the last 2 years.

 

Conditions for collaterals

For ownership and land use right-certified houses and land
The facades equal or exceed 2 meters and 3 meters for urban and suburban respectively.
The areas equal or exceed 20 square meters and 30 square meters for urban and suburban respectively.

For ownership certified apartments
The apartment areas equal or exceed 30 square meters and 50 square meters for urban and suburban respectively.

For land use right-certified mixed land
The remaining useful time of the nonresidential land part equals or exceeds 10 years.
The accesses to the land are 3 meters or above wide.

For transport vehicles
Accept vehicles with brands from developed countries. View here.

For valuable papers
Savings books, deposit certificates, deposit agreements and deposit account balances at VIB.
Bills, bonds and papers issued by VIB.

 

Estimated cost for your mortgage loan
Estimated cost for your mortgage loan
  • Appraisal fee : From around VND 1,500,000 (Click here for details); 
     
  • Registration fee : 0.5% * area * value according to the price framework of each region/locality;
     
  • Collateral notarial fee:  Around 0.1% of the contract price;
     
  • Personal income tax: 2% of sale and purchase value;
     
  • Guarantee transaction registration fee: VND 80,000;
     
  • Overdue repayment interest: 150% of the interest rate in the loan contract;
     
  • Early repayment fee: Depend on VIB's regulation/ specific promotion packages.

 

Personal loan calculator

Personal loan calculator

Monthly income
Monthly expenses
Loan term
Interest rate
* This tool is use for reference only.
You may be able to borrow up to
760,500,000 VNĐ
Loan amount
Loan term
Interest rate
Repayment method
* This tool is use for reference only.
1st month payment at 13.99%
76,500,000 VNĐ
See monthly breakdown
Total payment
760,500,000 VNĐ
Total interest paid
10,200,000 VNĐ
What you need to know
What you need to know

List of documents

Read necessary documents for your mortgage loan.

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Types of collateral and appraisal companies

Read documents relevant to collaterals and appraisal companies.

VIEW MORE
Register Residental home loan

Register Residental home loan

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