Home Loan

Introduction

We have many places to go, but only one place to return. That is family, where our loved ones are always with us throughout our lives. The dream of owning a house is an eternal dream, and the desire to bring utter happiness to loved ones.

Here are some benefits by choosing Vietcombank's home loan:

Competitive interest rates from 7.4%
Flexible loan term: according to the actual income
Fast and simple procedures, quick approval time.

Product details

Loan term

Maximum: 15 years

Loan amount

Up to 70% the purchased house's value. (up to 100% for specific cases)

Installment/

Payment

Loan balance: Monthly or quarterly
Interest: Paid monthly based on reducing loan balance

Requirements

Customer age: from 18 to 65.
Minimum monthly income: 05 million VND
Collateral: assets formed from loans/other real estate/valuable papers (according to VCB's regulations).

Documentation

Loan application form	Vietcombank's form
Legal documents	ID Card/Passport; Permanent Residence/ long-term residence (KT3); Marriage Certificate/Single Certificate.
Proof of loan purpose	Contracts; Transfer of ownership agreement …
Income documents	Labor contract; Payroll sheet; Statement of bank account …
Collateral documents	Ownership Certificate

Procedures

Step 1: Contact Vietcomabank's branch(es) for consultation on requirements and legal documents.
Step 2: Prepare and submit documents as guidance by Vietcombank's staff.
Step 3: Vietcombank review documents and annouce the approval result.
Step 4: Prepare documents/finish procedures before loan disbursement
Step 5: Loan disbursement