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Fees, conditions & documents for residential home loan and renovation & construction home loan

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1. Fee (collected by VIB)

Customer appraisal fee Free
Collateral valuation fee From 1,000,000 VND
SMS fee Free
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2. Requirement and documents

2.1 Requirement

Nationality Vietnamese or Vietnamese whose spouse is Foreigner
Age From 18 years old and not exceed 70 at loan maturity
Residential/working address ≤ 100km from the nearest VIB branch to the place where the customer registers for permanent residence/temporary residence/purchased or repaired real estate
Salaried income Minimum 03 months working at current employer.
Labor contract tenor is 12 months at minimum
Rental income Under ownership and stable income for at least 06 months
Business/household income Minimum 01 years in operation
Minimum income 10 mil VND per month
Credit history
  • No debt of group 2 or more at the time of loan application; and
  • No debt in group 2 more than 3 times in the last 12 months; and
  • No debt of group 3 or more in the last 48 months; and
  • No credit relationship with more than 05 other credit institutions (excluding credit cards) at the time of loan application; and
  • No loan to restructure the repayment term at VIB at the time of disbursement.

2.2 Document check-list

Documentst
  • Identity document: ID/Passport and Household registration book
  • Income document
    • Labor contract và Bank statement/ Payslip
    • Property ownership certificates and Lease Contract
    • Business License
  • Loan purpose document
    • Sales & Purchase contract
    • Land use right and/or plan-to-buy house ownership certificate
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You still have questions about the product? Let us help you

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