Flexible principal repayment period
Interest payment period, principal repayment according to income, principal repayment period is no more than 03 months
Preferential and attractive interest rates
Competitive interest rates for Vietcombank customers
Cooperate with trusted real estate developers
Cooperate with large and credible real estate developers to meet customers’ needs

Product information

Conditions
Applications
Process & Payment date
Fees & Forms

Applicant eligibility

  • Vietnamese citizens from 18 to not exceeding 75 years old at the end of the loan term
  • Have a demand to purchase residential properties such as apartments, townhouses, etc. (without ownership certificate) in real estate projects
  • Have collateral assets such as real estate, valuable papers
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    Maximum loan amount

    100% of real estate value
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    Maximum loan term

    Loan application form

    Vietcombank's form
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    Proof of identity

  • ID card/Passport/Citizen identification/Other legal papers of equivalent validity
  • Permanent Residence/ long-term residence (KT3)
  • Marriage Certificate/Single Certificate
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    Proof of loan purpose

  • Real estate purchase/transfer agreement
  • Invoice/Payment documents for the purchase of the real estate
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    Proof of debt repayment source

  • Salary income records: Employement contract, payroll, bank account statement...
  • Property rental income records: Lease contract, rental payment documents…
  • Other income records: According to Vietcombank's regulations
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    Collateral documents

  • Asset documents of customers and/or third party according to Vietcombank regulations
  • Purchase contract/transfer contract and related documents in according to Vietcombank's regulations and the law
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    Loan application process

    Step 1: Receive consultation on loan conditions and required documents.
    Step 2: Prepare and submit the application as instructed.
    Step 3: Vietcombank conducts evaluation and notifies the approval result.
    Step 4: Customers and Vietcombank sign the loan contract.
    Step 5: Receive loan disbursement
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    Repayment date

  • Principal payment: on a monthly or quarterly basis
  • Interest payment: monthly based on amortized outstanding loan balance
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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?
      Vietcombank can provide loans for real estate projects that are legally licensed in various locations, not just in 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?
      Yes, customers can use the purchase agreement of the house in the project as collateral for the loan at Vietcombank.
    • 3. Can I borrow money to purchase a real estate project for family members?
      Yes, customers can borrow money from Vietcombank to purchase a real estate project for their family members, including spouse, parents, or children.
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