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Home loan / home mortgage
What does it take to own a dream home?
Apply now?
Calculate the right loan?
Product Features
| Home Loan | Home Equity Loan | |
|---|---|---|
| Loan Amount | 80% of collateral value | 60% of collateral value |
| Loan tenor (year) | Up to 20 years | Up to 20 years |
| Price | Floating Fixed up to 3 years |
Floating Fixed up to 3 years |
| Repayment | Monthly principal and interest | Monthly principal and interest |
| Nationality | Vietnam | Vietnam |
| Age | From 20 to 60 at application date AND up to 70 at loan maturity |
From 20 to 60 at application date AND up to 70 at loan maturity |
| Min income | From VND 8 millions per month | From VND 8 millions per month |
| Income soure | Salary or business income or renting | Salary or business income or renting |
| Collateral | Resident property located in HCMC, Hanoi and where the Bank branches are | Resident property located in HCMC, Hanoi and where the Bank branches are |
| Documentation | Identification:
Income proofs:
Loan purpose proofs
|
|
ID
cardPricing schemes
| 1. Floating price | 2. Fixed price | |
|---|---|---|
| Interest rate | 12months COF(*) %pa + 1.3% | From 5.69% %pa Thereafter rate: 12months COF(*) %pa + 2.5% |
| arly repayment fee | 0.75% in first 2 years 0% from 3rd years onwards |
3% and 2% and 1% for 1st, 2nd and 3rd years 0% from 4th years onwards |
Interest rate quote on 365 days per annual basis and are subject to change from time to time.
(*) 12months COF is Cost Of Fund 12M as a base for determining floating interest rate. 12months COF is currently 6%pa.
Calculator
1. Monthly repayment calculator
Loan amount (VND)
Loan tenor (up to 240 months)
monthsInterest rate (%)
Monthly repayment
02 Max loan amount calculator
Net monthly income
Existing monthly repayment (other banks)
Average spending of card over last 6 months
Interest rate (%)
Loan tenor
monthsMax loan amount can take
0Fees
| Fees (collected by Fubon) | |
|---|---|
| Application fee | Free of charge |
| Early repayment fee | Charged as signed contract |
| Fees (collected by 3rd parties) | |
|---|---|
| Real estate valuation | From 1.000.000 VNĐ and subject to 3rd party tariff |
| Mortgage contract notarization | About 0.1% of contract |
| Secured transaction registration | 80.000 VNĐ and subject to 3rd party tariff |
| Property fire insurance | Subject to insurance standard fee |
All interest rates are calculated on a 365-day/year basis and are subject to change from time to time.
(*) 12 months COF is the cost of capital of 12 months as the basis for adjusting the floating interest rate. The current 12-month cost of capital is 6%/year
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What does it take to own a dream home?
01 Get a clear picture of your finances
Before you start house hunting, take a good look at your financial situation. Knowing what you can afford will better prepare you for your home search and mortgage application.
02 Work with an Experienced Team
As you go through your home-buying journey, remember you are not alone. A Taipei Fubon Home Lending Officer will help you find the best mortgage options and answer any home financing questions you may have.
03 Find the right mortgage
When looking at your available mortgage options, there are some key things you'll want to consider: the loan type, the rate type and the loan term. Pay attention to the requirements for different loan types, compare the pros and cons of fixed or adjustable rates and think about how the length of your loan term will affect your monthly mortgage payments.
04 Complete your mortgage application
you'll go through the rest of the mortgage process. When you receive your loan documents, make sure you review the details carefully and ask questions if there's anything you don't understand.
05 Close on your dream home
This is the day you'll review and sign all your mortgage documents. Once you've completed signing, you'll get the keys to your new home! Congratulations!