Housing Loan


Exchange Rates


Purpose of Loan (Residential purpose)

  • To purchase a Plot for construction of a House (No Home Loan is to be considered for purchase of plot of land only).
  • Construction of house on existing plot of land
  • To purchase an apartment as well as for renovation/ repair/alteration/addition to house/apartment.
  • To take over housing loans extended by other Banks

Eligible – Borrowers

  • Vietnamese citizens or foreign citizens who are permitted to purchase residential property (House or Apartment) by Vietnamese law.
  • Salaried employees, Professionals, Self-employed persons etc.


  • Financing up to 70% of the assessed value of the property (in case of ready-built house or apartment).
  • Max Loan tenor for a period of 20 years subject to the age of retirement in case of employees.
  • 6 times of gross annual income based on Annual Income Tax Returns and/or monthly pay slips issued by the employer and or statement of Bank account.
  • Highly competitive interest rate;
  • Interest is calculated on daily balance basis which is of great advantage to customer as it results in lower interest amount.
  • No Prepayment fee to be levied on housing loan if Loan is repaid before the tenor.
  • Simplified application form/procedures for convenience of customers, and speedy approvals.

Necessary Documents:

  • Application form.
  • Identity Card/Passport or legal documents.
  • Documents evidencing income.
  • Land/property related documents.

Application Form Download:

  • Please click here for downloading loan application form.Click Here

For further details and terms and conditions, please contact us

Tel:(0084 8)38 228 939 – 39 101 266

Fax:(0084 8) 39 246 341

Email: boihcmc@gmail.com

Branch Timing:

8:30am to 5:30pm Monday to Friday (excl. public holidays)

Business hours

8:30am to 4:30pm Monday to Friday (excl. public holidays)

Bank code in Vietnam: 79659001