Assist customers to buy, build, renovate and repair houses with attractive offers and flexible loan methods.
Highlighted features
- Loan tenor: Up to 30 years.
- Loan interest rate: Competitive interest rate, interest calculated on reducing balance.
- Loan amount: up to 100% of the purchase price.
- Easy and convenient loan procedures.
- Monthly/quarterly/semi-annually or annually loan principal repayment options
- Monthly or quarterly interest payment options.
- Loan's collateral: loan is secured by the property and other collaterals owned by the borrower or a third party, or any combination thereof.
- Expert advice
Process
- Step 1: Contact BIDV, register information about credit needs. Complete and provide loan documents in accordance with BIDV's instructions.
- Step 2: After receiving the loan application, BIDV will appraise the credit application and notify the results to customer within the prescribed time.
- Step 3: Sign the documents/contracts, complete the relevant procedures (such as collateral notarization, collateral registration (if any))
- Step 4: Loan disbursement/Guarantee issuance
- Step 5: Coordinate with the bank to carry out required work after the loan is disbursed (pay the loan in full, use the loan for the right purposes, property revaluation (if any), etc.)
Processing time: Up to 05 working days from the date of receipt of customer's complete application
* Note:
(i) The maximum processing time of 01 transaction is counted from the time BIDV receives all valid applications/documents from the customer, excluding the time to carry out registration procedures of collateral transactions in accordance with the law and with technical programs of BIDV works smoothly at transaction time.
(ii) The above period applies to loans under the credit approval authority of BIDV's branch.
(iii) Other exceptional cases (if any) are to comply with BIDV's regulations from time to time.
Application requirements
- Loan application form and loan repayment plan according to BIDV's form.
- Valid Identity Card, Permanent/Temporary Residence Certificate
- Marriage certificate or single status certificate.
- Proof of income
- House ownership certificate or purchase contract
- Copy of other assets ownership certificates
Kindly contact BIDV's Premier Relationship Directors /BIDV's Premier Relationship Managers at BIDV‘s branches for support and more information.
