Preferential interest rates
Competitive interest rates, load up to 100% of construction value
Loan tenor up to 30 years
Flexible loan tenor up to 30 years based on actual income
Simple and quick procedures
Simple procedure, quick approval time, consulting team ready to support 24/7

Product information

Conditions
Applications
Process & Payment date
Fees & Forms

Maximum loan term

Maximum loan amount

Maximum loan tenor
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Applicant eligibility

  • Vietnamese citizens from 18 to not exceeding 75 years old at the end of the loan term
  • Have collateral assets such as real estate, valuable papers.
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    Loan application

    Vietcombank's form
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    Proof of Customer's identity

    • ID Card/Passport
    • Permanent Residence/ long-term residence (KT3)
    • Marriage Certificate/Single Certificate
    • Birth certificate/Certificate of family relationship (in case the customer borrows money to build a house for parents/children)
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    Proof of Collateral Provider's identity

    • ID Card/Passport
    • Marriage Certificate/Single Certificate
    • Birth certificate/Certificate of family relationship issued by the local police of the ward/commune or higher, regarding the relationship between the borrower and the collateral provider
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    Proof of loan purpose

    Construction/repair contract between customer and contractor/construction unit, house repair bill...
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    Proof of debt repayment source

    Employment contract, payroll, bank account statement,...
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    Collateral documents

    Proof of asset ownership from customers and/or third parties according to Vietcombank's regulations
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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. Can I borrow money from Vietcombank for home construction and renovation for my family members?
      Yes, customers can borrow money from Vietcombank for home construction and renovation for their family members, including spouse, parents, and children.
    • 2. I have a need to build a home, but I don't have enough cash on hand. Can I borrow 100% of the required funds from Vietcombank?
      Vietcombank allows customers to borrow up to 100% of the value required for home construction and renovation in cases where customers have sufficient collateral for the loan
    • 3. What is the maximum loan term for home construction and renovation at Vietcombank?
      Customers can borrow for home construction and renovation at Vietcombank for a maximum term of up to 30 years.
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