Buying a house is the dream we all have but the burden is very heavy for many. We want to support you and your family move into your dream home as soon as possible. Our mortagage rates are very competitive and we will offer a loan up to 80% of it's appraised value!
Features & Benefits
Highly competitive interest rate
Hong Leong Bank Vietnam's home loan product offers competitive interest rates*:
Applicable duration: Loan application is disbursed from 15 October 2024.
Fixed for 2 years:
- For acquiring real estate in projects according to the list of projects empaneled by HLBVN: 6.40% p.a
- For acquiring house with certified ownership: 6.40% p.a. or 6.70% p.a for loan amount less VND 2 billion
- For house construction/ renovation, and other purpose: 6.70% p.a
Fixed for 3 years: 7.75% p.a
* Preferential interest rate to be changed from time to time. Please see the detail at link.
Equal monthly installment **
Fixed Monthly Loan Repayment helps you plan effectively for your finances.
Interest rate based on reducing balance.
** Applicable to new loan applications from 16th May, 2022.
Flexible loan tenor
Up to 25 years.
Financing up to 80% appraised value of your property
Pledge of purchased property
- No additional security required.
- Accepted location for collateral in: HCM City (excluded Can Gio, Hoc Mon, Cu Chi), Hanoi Central and Binh Duong (Thu Dau Mot, Thuan An and Di An).
Simple and fast turn-around time process
We are here to help you get your approval in as short of time as possible.
Interest amount = (Actual balance × Number of days of maintaining the actual balance × Interest rate)/365
Customers should pay attention to: fixed and variable interest rates. After the period for fixed rate, the variable rate shall be applied.
Sub-sales & Personal Secured Loan
Applicable duration: Loan application is disbursed from 15 October 2024.
Prime rate: Learn more
| Duration and loan purpose | First 2 years | 3rd year | 4th year | 5th onward | |
| Fixed for 2 years | For acquiring real estate in projects according to the list of projects empaneled by HLBVN | 6.40% p.a | Prime Rate* (-) 0.75% p.a | Prime Rate* (+) 0.49% p.a | |
| For acquiring house with certified ownership | 6.40% p.a or 6.70% p.a for loan amount less VND 2 billion |
||||
| For house construction/ renovation, and other purpose | 6.70% p.a | ||||
| Fixed for 3 years | 7.75% p.a | Prime Rate* (-) 0.75% p.a | |||
The minimum loan tenor must be from 05 years (60 months) and the minimum approved loan amount must be from VND400 million, otherwise, normal lending rate of HLBVN will be applied.
(*) Prime Rate will be rate promulgated by HLBVN from time to time
Click here for more details on auto rates: HERE.
Individuals
- From 18 to 65 years old.
- Have stable income as salary, self-employed, house leasing or household.
- Accepted location for collateral in: HCM City (excluded Can Gio, Hoc Mon, Cu Chi), Hanoi Central and Binh Duong (Thu Dau Mot, Thuan An and Di An).
Individuals
- Loan application form.
- ID card (not exceeding 15 years from the date of issue).
- Household registration book / KT3 / Temporary residence registration certificate.
- Certificate for single / marriage status.
- Proof of income.
- House ownership certificate or purchase contract.
| NO. | NAME OF INSURERS |
|---|---|
| 1 | Bao Viet |
| 2 | PetroVietnam Insurance (PVI) |
| 3 | MIC |
| 4 | Liberty |
| 5 | BIDV Insurance (BIC) |
| 6 | AIG |
| 7 | AAA |
| 8 | BSH |
| 9 | Bao Minh |
| 10 | Petrolimex (PJICO) |
| 11 | Post & Telecom (PTI) |
| 12 | VNI |
| 13 | Xuan Thanh |
| 14 | Vietinbank Insurance (VBI) |
| 15 | Bao Long |
| 16 | SGI Hanoi |
| 17 | Cathay Vietnam |
| 18 | Fubon Insurance |
| 19 | Samsung Vina |
| 20 | PAC |
| 21 | OPES |
| 22 | MSIG |
| INVESTORS | ASSOCIATED PROJECTS |
|---|---|
| Capitaland | Feliz En Vista, Vista Verde, D'edge Thao Dien, De La Sol (Alto & Cello Tower), Define |
| Keppel Land | Riviera Point - Phase 1A (Block T3-T4-T5), Riviera Point - Phase 1B (The View - Block T6-T7-T8), Riviera Point - Phase 1C (Infinity - Block T9-T10-T11-T12), Celesta Rise - Celesta Heights- Celesta Avenue |
| Gamuda Cenladon City |
Ruby (Block A-B-C-D-F), Emerald (Block A-B-C-D-F), Diamond A5 (Alnata & Brilliant), Diamond A6 (Alnata Plus & Centery), Artisan & Elysian |
| Nam Long | Akari City (T1-T10), WaterPoint Long An - Rivera & Aquaria, WaterPoint Long An - Ehome Southgae (Blcok A5 & B2), Flora Mizuki (Block MP1-2-3-4-5-6-7-8-9-10), Flora Panorama (FP1-2-3), The Mizuki, The KiKyo, Fuji Residence (Flora Fuji, Valora Fuji), Flora Kikyo, Flora Novia, Izumi City (Phase 1 A1) |
| Phu My Hung | Ascentia, Antonia, The Peak (Midtown M8), Cardinal Court, The Horizon |
| Khang Dien | Lovera Vista, The Classia, The Privia |
| Park City | Park City Hanoi (Park Kiara, Le Jardin) |
1) Is taking housing loan a good idea?
Owning a house is a dream of many people yet financial capability usually places a huge burden on everyone's shoulder. Understanding that, mortgage loan packages have been launched to support customers to quickly own their houses and to comfort their life as soon as possible. Therefore, you should choose home loan products from reputable banks if you wish to buy your dream house in the shortest time.
2) Should you choose a method of calculating interest rate on reducing balance or on initial outstanding debt?
Currently, many banks have applied 02 forms of interest calculation: on reducing balance and on original balance. Interest rate calculated on the initial outstanding amount is frequently lower than one on the decreasing balance. However, when considering the total amount of interest that customers have to pay under the initial outstanding loan method, sometimes it is higher than the decreasing balance method. Therefore, customers should ask bank staff to advise clearly which interest calculation method is most beneficial for their own status.
3) What is the minimum income I need to be approved for housing loan?
You will need a minimum stable income of at least 10 million VND per month.
