• Home loans

    StartSmart Home Loan

    Own your first home with ease - enjoy accessible interest rates from just 5.2% per annum
    Mortgage coverage up to
    70% of the property value
    Maximum loan term
    40 years
    Apply Now
Loan interest rate
From just 5.2% per annum
Maximum loan terms
Up to 40 years
Loan grace period
For a period of 5 years after the first initial disbursement

Product information

General information
Required documents
Loan procedure and Repayment terms
Fees

Eligibility requirements

  • Vietnamese citizens aged 20 to 35
  • Customers must be employees, officials, or civil servants working at organisations/employers where salary is paid through a bank account
  • A valid Labour Contract or Recruitment Decision between the customer and the employer with a term of at least 1 year, no fixed term, or unspecified end date
  • Customers must meet Vietcombank’s credit approval requirements
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Maximum loan amount

Up to 70% of the property value
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Maximum loan term

Up to 40 years
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Loan grace period

For a period of 5 years after the first initial disbursement
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Repayment structure for principle and interest

Loan principal and interest are payable on a monthly or quarterly basis
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Proof of identity

  • Valid Citizen Identification (CCCD) or equivalent legal documents of the Customer
  • Marriage Certificate / Certificate of Single Status
  • Customer's residence documents/information
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Proof of loan purpose

In accordance of Vietcombank's instructions
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Plan for fund utilisation

Using Vietcombank's prescribed forms/templates
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Proof of repayment source of documents

In accordance to Vietcombank's instructions
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Other required documents

In accordance to Vietcombank's instructions
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Loan procedure

  • Step 1: The customer receives consultation on loan conditions and required documentation
  • Step 2: The customer prepares and submits the application documents as instructed
  • Step 3: Vietcombank reviews the application and notifies the customer of the approval result
  • Step 4: The customer and Vietcombank sign the loan agreement
  • Step 5: Disbursement of funds
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Repayment dates

  • Principal repayments: Flexible, either on a periodic basis or as a lump sum at maturity
  • Interest payments: Made on a monthly basis
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Fees form

Click here
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Loan estimate

amount you want to borrow
VND
Interest rate
%/Year
Number of loan months
Month
Disbursement date

Amount to be paid

Loan method
--
Monthly payment amount
0 VND
Total principal payable
0 VND
Total interest payable
0 VND
Total amount to pay
0 VND

Note: Calculation results are for reference only

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FAQs

  • 1. Where can I apply for real estate project financing loan beside Hanoi and Ho Chi Minh city?
  • 2. Can I use the purchase agreement of the house as collateral for the loan to buy the same house in this project?
  • 3. Can I borrow money to purchase a real estate project for family members?
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