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Features
Features

The loan value and tenor

The loan amount can be up to 80% of the house value and long loan tenor 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.

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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

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Conditions
Conditions

Conditions for borrowers

Nationality
Vietnamese residents or foreigners whose spouses are Vietnamese residents.

Age
From 18 to 70 years old or below.

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 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.

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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;
     
  • Legal services fee: Free;
     
  • 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;
     
  • Insurance fee: Townhouses: free and Project apartments: 110% of the loan amount;
     
  • Early repayment fee: Depend on VIB's regulation/ specific promotion packages.
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What you need to know
What you need to know

List of documents

Read necessary documents for your mortgage loan.

VIEW MORE

Types of collateral and appraisal companies

Read documents relevant to collaterals and appraisal companies.

VIEW MORE
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Get started
Get started

Ready to apply or you would like to discuss with VIB staff

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FAQs
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Warning

Warning

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