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 10 September 2026
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LOAN PACKAGE
|
FIXED INTEREST RATE SCHEME (Fixed for the first 1 or 2 years from disbursement) |
FLOATING INTEREST RATE SCHEME (Starts right after disbursement) |
|
Initial Interest Rate |
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Prime Rate - 1.30%/p.a. |
|
Interest Rate for Subsequent Years |
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Maintained at Prime Rate - 1.30%/p.a. throughout the loan tenor |
|
Prepayment Penalty Fee |
|
|
|
Interest Rate Package Conversion |
Not applicable |
Free of charge when converting to the Fixed Interest Rate Scheme |
|
Minimum Loan Amount |
from 400,000,000 VND |
|
|
Minimum Loan Tenor |
50 years (60 months) |
|
The Prime Rate is determined by HLBVN from time to time and is always updated here.
*Conditions for Preferential Rate Application under the Fixed Rate Option must satisfy 1 of the following 3 conditions:
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Real estate loan for projects approved by Hong Leong Bank;
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Refinancing loan (loan for early repayment at another bank);
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Maintain a minimum average daily balance of VND 100,000,000 (One hundred million Vietnamese Dong) in the Customer's current account at Hong Leong Bank for 5 consecutive months from the disbursement date.
Equal monthly installment **
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Fixed Monthly Loan Repayment helps you plan effectively for your finances.
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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 10 September 2026.
| LOAN PACKAGE |
FIXED INTEREST RATE SCHEME (Fixed for the first 1 or 2 years from disbursement) |
FLOATING INTEREST RATE SCHEME (Starts right after disbursement) |
|
Initial Interest Rate |
|
Prime Rate - 1.30%/p.a. |
|
Interest Rate for Subsequent Years |
|
Maintained at Prime Rate - 1.30%/p.a. throughout the loan tenor |
|
Prepayment Penalty Fee |
|
|
|
Interest Rate Package Conversion |
Not applicable |
Free of charge when converting to the Fixed Interest Rate Scheme |
|
Minimum Loan Amount |
from 400,000,000 VND |
|
|
Minimum Loan Tenor |
50 years (60 months) |
|
The Prime Rate is determined by HLBVN from time to time and is always updated here.
*Conditions for Preferential Rate Application under the Fixed Rate Option must satisfy 1 of the following 3 conditions:
-
Real estate loan for projects approved by Hong Leong Bank;
-
Refinancing loan (loan for early repayment at another bank);
-
Maintain a minimum average daily balance of VND 100,000,000 (One hundred million Vietnamese Dong) in the Customer's current account at Hong Leong Bank for 5 consecutive months from the disbursement date.
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.
| STT | INSURANCE COMPANY |
|---|---|
| 1 | (Bao Minh) Bao Minh Insurance Corporation |
| 2 | (Bao Viet) Bao Viet Insurance Corporation |
| 3 | (BIC) BIDV Insurance Corporation |
| 4 | (Cathay) Cathay Vietnam Co., Ltd. |
| 5 | (DBV) DBV Insurance Group |
| 6 | (Fubon) Fubon Insurance Co., Ltd. Vietnam |
| 7 | (Liberty) Liberty Co.,Ltd. |
| 8 | (MIC) Military Insurance Corporation |
| 9 | (MSIG) MSIG Insurance Co., Ltd. Vietnam |
| 10 | (PJICO) Petrolimex Joint Stock Insurance Company |
| 11 | (PTI) Post and Telecom Joint Stock Company |
| 12 | (PVI) PetroVietnam Insurance Joint Stock Corporation |
| 13 | (VBI) Vietinbank Insurance Company |
| 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.
