Home loans
An opportunity to own your dream home and enjoy a stable life with VRB’s preferential interest rate policy
Preferential interest rates offered from time to time
Principal grace period: Up to 36 months, subject to applicable conditions.
Various sources of repayment, including salary, business income, dividends, rental income, etc.%25201.png&w=96&q=75){kind=small}
Flexible repayment methods, schedules, and terms tailored to the customer’s income and financial capacity.
Notification of account loan results within 48 hours.Product information
Target customers
Vietnamese individual customers and foreigners meet VRB's lending criteria.
For the purpose of home/land purchase; new home construction, renovation, or repair; purchase of a future home or land under a project
Product features
Loan amount: Up to 100% of the value of the Contract / Borrowing Plan, depending on the approved loan conditions.
Loan tenor: Up to 20 years; may be considered for up to 30 years subject to applicable conditions.
Flexible collateral options, including assets formed from loan proceeds and other assets.
Refinancing loans may be considered for transactions arising within no more than 2 years.
Required documents
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ID card/Citizen ID and personal identification documents.
Purchase/sale contract, house/land transfer documents, or construction/renovation/repair documentation.
Legal documents relating to the house/land and collateral assets.
Documents proving the customer’s income and repayment capacity as required.
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
Home/land purchase, home construction, renovation or repair, purchase of future homes, and purchase of land under housing development projects.
Up to 100% of the value of the contract/borrowing plan approved by VRB, subject to the applicable collateral value limits.
Up to 20 years; may be considered for up to 30 years subject to applicable conditions.
A principal grace period of up to 36 months may be available, subject to VRB’s applicable conditions.
Yes. A house formed from the loan proceeds may be accepted as collateral in accordance with applicable regulations..
Yes. Loans may be provided for the purchase of land in housing development projects, subject to applicable conditions.
Yes. Loan refinancing from another bank may be available in accordance with VRB’s credit policies from time to time.
Land and houses, houses formed from loan proceeds, assets under house/land purchase contracts, savings deposits, valuable papers, deposits, and certain other assets in accordance with applicable regulations.
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