Consumer loans secured by real estate
Quickly meet your personal spending needs
Preferential interest rates offered from time to time
A wide range of financing needs covered, including shopping, education, travel, medical treatment, weddings, vehicle repairs, payment of fees/taxes, refinancing, etc.
Loan application results provided within 48 hoursProduct information
Target customers
Vietnamese individual customers and foreigners who meet VRB’s lending requirements
Customers seeking loans to meet personal and household living expenses and who have legally owned real estate eligible for use as collateral
Product features
Loan amount up to 100% of the financing need, subject to a maximum of 80% of the value of the collateral. Total outstanding loan balance of up to VND 4 billion per customer, or subject to the value of the inherited assets.
Loan tenor: Up to 60 months; up to 120 months for financing needs related to real estate transactions
Lending methods: Flexible options, including term loans, credit lines, and overdrafts
Refinancing may be considered for transactions arising within the previous 2 years for real estate-related transactions and within the previous 6 months for other transactions
Required documents
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ID card/Citizen ID and personal identification documents
Documents evidencing the purpose of the loan
Documents evidencing income and sources of repayment
Legal documents and documentation relating to the house/land provided as collateral
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Other documents required depending on the purpose of the loan
Interest calculator
The figures are for reference purposes only.
VND
%
Loan term
First month payment amount:174.166.667VND
Interest rate:9%
Total interest paid:26.250.000VND
Total repayment amount:1.026.250.000VND
FAQs
"The loan can be used for purchasing household goods, education, travel, medical treatment, wedding expenses, vehicle repairs, payment of property-related fees/taxes, and other lawful consumer needs.
Up to 100% of the reasonable financing need, subject to a maximum of 80% of the appraised value of the collateral, with total outstanding loans under this product capped at VND 4 billion per customer or subject to the value of inherited assets.
Up to 60 months; up to 120 months for purposes related to real estate transactions.
The collateral is a house or land with a valid Certificate of Ownership/Certificate of Land Use Rights.
Yes. The credit limit may be maintained for up to 3 years, with each credit agreement having a maximum tenor of 12 months.
Yes. Reimbursement may be considered for up to 2 years for real estate-related transactions and up to 6 months for other transactions.
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