House mortgage

Individuals of Vietnamese nationality

Aged 18 or older

Loan amount: depending on the value of the house/land purchased, or the value of the mortgaged property

Loan term: up to 300 months

Principal grace period: up to 12 months

Competitive interest rate on outstanding loan (remaining loan)

Flexible disbursement method: Disbursement is made once or multiple times according to actual payment schedule

Debt repayment method: monthly interest payment and

Principal repayment: monthly or periodically but not longer than 6-month interval for linear method; or

Principal repayment with 10% or 20% increase per year or according to customer's cash flow for debt ladder method

Client must have stable incomes as proof of repayment capability from the following sources: salary, business revenues, house/land/car rental payments, capital contributions, dividends, etc.

Collateral: the real estate intended to be purchased, or other real estates owned by customers or family members

Register online; or

Contact Asia Commercial Bank (ACB) for consultation.

The nearest ACB branch or sub-branch; or

247 Contact Center at 1900 54 54 86 - (08) 38 247 247

Client prepares and submits documents following ACB's consultation

Loan request form and loan funds usage plan (form provided by ACB)

Personal documents:

ID card/Passport;

Household Registration Book; and

Certificate of marital status (Marriage registration certificate, etc.).

Proof of incomes: Labor contract, Bank account statement, etc.

Ownership certificate(s) related to the collateral.

ACB appraises, approves loan profile, and client receives notification of approval results

Client prepares documents and finishes procedures before disbursement.

Disbursement