A List of top 10 mortgage banks in 2018

Get Realestatevietnam through the list of the top 10 mortgage banks in 2018.

BIDV Bank

BIDV is the market leader in home loan products. The interest rates of the preferential home loan packages at BIDV in 2018 are as follows:

• 7.3% per annum fixed for the first 6 months.
• 7.8% per annum fixed for the first 12 months.
• 8.3% per annum fixed for the first 18 months.
• 8.8% per annum fixed for the first 24 months.

Compared with similar products and preferential periods of other domestic banks, BIDV is one of the banks with the lowest preferential interest rates in the market.

Highlights: Loans up to 100% of loan demand, loan term up to 20 years, simple loan procedures, convenient, flexible repayment method (monthly / quarterly repayment / semi-annual, interest monthly / quarterly).

Shinhan Bank Vietnam

Shinhan Bank Vietnam flexible loan package for customers. Buying interest rate of Shinhan Bank Vietnam in 2018 is as follows:

• Fixed 7.2% per annum for the first 12 months.
• Fixed 7.9% per annum for the first 24 months.
• Fixed 8.3% per year within the first 36 months.

Customers can borrow for a maximum of 20 years with a limit of 60% of the value of collateral.

Highlights: Quick loan procedures, the same professional service attitude, Shinhan bank will be one of the best bank for you.

Shinhan bank

Vietcom Bank Vietnam

Vietcombank bank

Vietcombank offers a variety of interest rates. Currently, home loan customers can choose one of four preferential interest rates from Vietcombank as follows:

• 7.7% per annum fixed for the first 12 months.
• 8.7% per annum fixed for the first 24 months.
• 9.5% per annum fixed for the first 36 months.
• 10% per annum fixed for the first 60 months.

This is the policy of home loan is highly appreciated in the market because of the flexibility during the loan period, customers can choose the package with a fixed period of 1 year, 2 years, 3 years or even up to 5 years

Highlights:

– The loan limit is up to 70% of the value of the Housing Trust, with a maximum loan term of 15 years.

– The interest rate for buying houses of Vietcombank is more favorable and competitive in the market.

– Fast approval and disbursement, flexible interest rate support.

– No pressure to pay the original debt in the first time.

– Enjoy the promotion from Vietcombank.

TPBank

TPBank has a low interest rate on mortgage loans. Interest rates for buying houses and land in TPBank in 2018 are quite attractive with preferential loan packages as follows:

• 7.2% per annum for first six months.
• 7.9% per annum for the first 12 months.
• 9.2% per annum for the first 24 months.

TP bank

Highlights: Home loan products at TPBank are outstanding with the advantage of fast loan application review. TPBank always creates favorable conditions for customers to borrow capital quickly by simplifying the procedures but still absolutely safe, feedback in 2h, disbursement after 24h work. In addition, at TPBank, clients are allowed to borrow up to 90% of their loan terms and 75% of their collateral value over a 20-year period for home loans, 15 years for construction loans fix house.

Techcom Bank

Techcombank

Techcombank stands out with preferential repayment before maturity. Currently, Techcombank is offering housing loans with preferential interest rates as follows:

• 6.49% pa for the first 3 months.
• 7.49% pa for the first 6 months.
• 7.99% per annum for the first 12 months.
• 8.49% per annum fixed for the first 24 months.

Benefits of buying a house at Techcombank:

– Lending up to VND10 billion

– The loan term is up to 25 years

– It is possible to use real estate to buy property as security

– Determine the loan limit right after the collateral is not required

– Get rid of anxiety proof income

– Rapid approval

– Flexible repayment method with fixed monthly payment and savings up to 25% compared to regular repayment.

LienVietPostBank

LienVietPostBank supports maximum loan up to 100% of loan demand. Currently, LienVietPostBank offers home loans at 7.5% interest per annum with a grace period of 12 months.

In the first year, customers pay back their bank loans at fixed rates, which helps them to be more active. In addition, 7.5% per annum is also a low average interest rate for loans with preferential terms in the current home loan market.

LienVietPostBank’s home loans feature:

– Long term loan term, up to 100% of loan demand;

– Free early repayment from the 4th year onwards or rapid approval only within

round 2 working days;

– Flexible mode of payment of principal and interest, consistent with income. Consequently, customers can make long-term plans, not disturbed, reduce the pressure of repayment in the spending plan).

VPBank

VPBank supported home loan with preferential interest rate of 7.4%. VPBank is currently offering housing loans with preferential interest rates as follows:

• Enjoy fixed 7.4% per annum for the first 6 months
• Enjoy fixed 8.4% per annum for the first 12 months
• Offer 9% per annum for the first 18 months
• 9.4% per annum fixed in the first 24 months

VPBank

VPBank provides housing loans with ownership papers and housing in new apartment buildings and urban areas without ownership documents. Accordingly, VPBank will support customers to 100% of house purchase / construction / repair expenses (but not exceeding the loan ratio on collateral set by VPBank).

In addition, this loan package has the advantage of long loan term, maximum 20 years. Simple, quick loan procedures, proof of income flexibility, easy, approval within 2 days. Free repayment before maturity from the fourth year on.

VIB Bank

VIB is offering home loan at preferential interest rate from 6.09% pa in 2018. Currently, VIB is offering home loan with 3 preferential interest rates as follows:

• 6.09% pa for the first 3 months.
• 7.59% per annum fixed for the first 6 months.
• 9.09% per annum fixed for the first 12 months.

VIB helps customers develop flexible repayment plans that allow for up to 25 years of repayment time. For low income customers, the longer the repayment period, the lower the repayment pressure.

VIB helps customers complete their purchase plan in the shortest time when:

– Support up to 80% of the value of the house and land

– Flexible disbursement, receiving money before completion of mortgage procedures

– Commit to loan from VIB within 3 to 5 working days since the customer provides complete records

Eximbank

Eximbank supported preferential interest rate from 7.5% / year. Currently, Eximbank is offering housing loans with attractive interest rates as follows

• Package 1: 7.5% per annum for the first 12 months.
• Package 2: 9% per annum for the first 24 months

The preferential interest rates for home loans of 7.5% / year are considered to be quite attractive compared to the general level of banks offering similar products with preferential terms. At the same time, the preferential interest rate of 9% / year was slightly higher but stable for 2 years.

Eximbank

Advantages of home loan product of Eximbank 2018:

– Loan support for most real estate projects in the market

– No fee for evaluation. Simple process, quick approval

– Loans worth up to 70% of the value of collateral (houses, apartments formed from loans or other assets.) Loan repayment up to 20 years

– Initial repayment pressure is low with options of repayment of loans suitable to real income

– Get credit cards up to 20% of your loan amount.

UOB Bank

UOB privileges reserved for customers in Ho Chi Minh City. The preferential loan rates are UOB as follows:

• 6.99% per annum for the first 12 months
• 8.35% per annum fixed for the first 36 months

UOB is considered to be the bank with the best preferential home loan policy of 2018 at present.

Customers who live and work in the city. With good financial capability, clear transfer income and clear credit history, UOB is the top choice for today’s loan needs.

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Advantages of buying a house at UOB:

– The procedure is simple and quick, free of charge before maturity from the 4th year onwards,

– Up to 75% of the value of the apartment / house with pink book, up to 15 years.

– Outstanding customer service.

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