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The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

High limits, low interest rates and gradually decreasing over time are two of the many plus points of the red book / pink book mortgage loan. This is the form that many customers choose for long-term purposes such as trading, investing, buying a car. The question is: how much money can I borrow from the red book mortgage ? If you are looking for the answer then do not ignore the following helpful information.

High limits, low interest rates and gradually decreasing over time are two of the many plus points of the red book / pink book mortgage loan. This is the form that many customers choose for long-term purposes such as trading, investing, buying a car. The question is: how much money can I borrow from the red book mortgage ? If you are looking for the answer then do not ignore the following helpful information.

Are you having financial problems? Need a large loan to do important work? You do not know how much money Agribank can borrow from the red book mortgage. How much is the mortgage interest rate? Should I hold a red book to borrow from the bank? Conditions and detailed profile like? Rest assured, because CashBerry will provide you with necessary information, help you answer the questions that exist in your mind.

First of all, in order to be able to get the smartest and most profitable loan, you must understand the nature of this form of loan.

What is a red book mortgage?

Red book mortgage is a form in which the owner of the red book uses the red book as a security asset when it is necessary to borrow a certain amount of money. This means that during the loan term, the bank will keep your red book.

In the event that you cannot afford to pay the debt to the bank, you will have property foreclosure to liquidate and repay the debt. In fact, a loan is usually of a smaller value than the collateral. However, in some cases the value of the loan may be equal to or greater than the actual value of the collateral.

* Benefits of the red book mortgage loan:

Compared to other forms of borrowing, red book collateral offers a number of benefits as follows:

● Can borrow up to 80% of the collateral value. Currently, many banks support loans up to 75-80% of the assessed value of collateral.     

● Only need to prepare full bank documents to be able to make loan and disbursement procedures quickly.     

● The loan term is flexible, many banks have loan terms up to 10-25 years and offer attractive interest rates.     

How much money can I borrow as a mortgage red book?

The Red Book Mortgage Limit is the maximum loan amount a bank can lend based on the collateral. Regarding this limit in Decision No. 217 / QD-NH1 has clearly stated as follows:

● How much is the value of a specific pledge, mortgage or guarantee determined by the bank based on its value.     

● The maximum amount a bank lends is 70% of the asset's value     

● For collaterals that are savings books, gold or precious stones can be loaned with a maximum limit of 80% of the value.     

How much money can I borrow from the red book mortgage? In fact, there is no exact answer to this problem, because the amount borrowed when the mortgage red book depends on many factors. For example: Asset value at the time of the loan, the level of income and financial capacity of the borrower, the lending bank, ...

So, to know details about how much money you can borrow on the red book mortgage, you should contact the bank for specific advice on credit specialists.

Normally, customers can borrow up to 70% of the value of the collateral if it is a regular loan package. However, there are also some banks with loans up to 80%, even 90% of the value of collateral.

On the other hand, you can also use the same loan as a mortgage. For example, borrowing to buy a house, buying an apartment, ... and using the red book, pink book of the house, apartment as collateral. In this case, some banks can support loans up to 100% of the need.

To understand how much money you can borrow from the red book mortgage and how much is your loan limit, you can refer to the following example:

Example: Anh Minh wants to run a business but lacks capital. Therefore, he mortgaged a piece of land in his hometown at Bank A. After assessing his property, his land was informed to be valued at 500 million VND. According to A's regulations, when mortgaging with red book, you can borrow up to 70% of the asset value. Thus, Mr. Minh can borrow up to 350 million VND from Bank A. The rest he has to prepare himself 150 million more to serve his business purposes.

Here are some of the red book mortgage loan limits at some major banks that are often chosen by customers as follows:


Borrowing limit


70 - 80% of collateral value


70 - 80% of collateral value


70% of collateral value


70 - 90% of collateral value


Guide to mortgage red book 2021

Red book mortgage loan conditions

The mortgage of the red book to borrow money from a bank will have mandatory terms in accordance with the law and the individual customer must ensure the eligibility.

Conditions for mortgage of land use rights

Clause 1, Article 167 of the 2013 Land Law stipulates:

"Land users may exercise the rights to exchange, transfer, lease, sublease, inherit, donate, mortgage or contribute land use rights as capital in accordance with this Law."

In addition, according to Article 188 of the 2013 Land Law, users of the red book to mortgage for a bank loan are required to have: a legal land use right certificate; land assets are not in dispute; the land use rights are not distrained to secure judgment execution and belong to the land use term.

Conditions for housing mortgage

According to Clause 1, Article 118 of the Law on Housing 2014, transactions on mortgage with houses must satisfy the following conditions:

- Having a Certificate in accordance with the law (except for mortgage of a future house).

- The house is not subject to disputes, complaints or claims about ownership.

- The house is not distrained for judgment execution or is not distrained to abide by the effective administrative decision of the competent State agency.

- The house is not subject to a decision on land acquisition, clearance or demolition according to a notice from a competent authority.

Conditions for organizations and individuals to mortgage

Pursuant to Clause 1, Article 119 of the Law on Housing 2014, the mortgagee must be the house owner or the person permitted or authorized by the owner to mortgage the house according to regulations. Law on Housing and civil law. At the same time must meet the requirements:

- If it is an organization, it must have legal status.

- If an individual is an individual, he / she must be 18 years of age or older, and must have full civil act capacity to support the implementation of purchase, sale or mortgage transactions in accordance with civil law.

Interest rate when borrowing red book mortgage

In addition to how much money you can borrow from the red book mortgage, you also need to pay attention to the interest rate when you borrow the red book mortgage and understand how these interest rates are calculated. How much is the mortgage interest rate?

Compared to other mortgage forms, red book mortgage loans are considered to have a more preferential interest rate, ranging from 5 - 12% / year depending on each bank.

There are 2 ways to calculate the interest rate when you borrow the red book mortgage, including:

Calculate interest based on the principal balance.        

Calculate the interest rate based on the outstanding loan balance.        

For example: How much is the mortgage interest rate of 200 million red book?

Normally, compared to unsecured loans, paper mortgages will have lower interest rates, because they are guaranteed by fixed assets. If you borrow 200 million, depending on the bank, the interest rate will fluctuate from 8% to 10% / year, then floating around 12-15% / year .

Here are the red book mortgage interest rates of some top banks, you can refer to:

● Loan from VIB bank: interest rate of 8% / year, term of 25 years     

● Vietinbank mortgage: interest rate of 7.5, term of 20 years     

● Bank mortgage loan: interest rate of 7.2%, term of 20 years     

● ANZ mortgage loan: interest rate of 6.5%, term of 25 years     

● Sacombank mortgage loan: interest rate of 7.5%, term of 25 years     

Red book / pink book mortgage loan process

● Step 1:     

Submit loan application at the bank

● Step 2:     

The Bank checks the Certificate or other legal documents to determine the authenticity of the Certificate of land use rights, the term of land use, and financial obligations related to land use rights;

● Step 3:     

Verification and inspection division Field inspection, survey, measurement and asset valuation; check information about property, family, work, income source, loan purpose, ... After the collateral or pledge has determined its value, the bank will decide how much maximum you can borrow money is based on this property's value.

● Step 4:     

Approve the loan, sign the mortgage contract between the bank and the mortgagor (the person with land use rights), notarize the mortgage contract at a notary public and disbursement bank.

Currently, in order to meet the increasing demand for loans of people, many banks have deployed the form of lending to mortgage bank red books? But, which bank's red book mortgage is the cheapest? Here are the top 5 banks with preferential interest rates and red book mortgage loans.

What is the cheapest mortgage bank red book loan?

* BIDV Bank

Currently, BIDV accepts red book mortgage loans with the following loan purposes:

● Get a loan to buy a car     

● Loan to buy a house     

● Loan for production business     

● Consumer loans with collateral     


● Long loan term, can be up to 20 years     

● High loan limit, can reach 85% of the asset value (loans for production and business) or 100% of the property value if borrowing to buy a house or car     

● Preferential interest rates within the first 12 months if you borrow a home, buy a car and have a low, flexible interest rate     

● The specific interest rate of loan to mortgage BIDV's red book depends on each loan product     


Preferential interest rate (%/ year)

Business production loan


Home loan


Car loan


Loan to study abroad


Borrowing valuable papers as mortgage



* Agribank

The loan products here include:

● Business loan     

● Loan for agricultural production     

● Car loan     

● Home loan, home repair     

● Mortgage valuable papers loan     

Many people wonder how much money Agribank can borrow from the red book mortgage, and here is the answer.


● Flexible loan limit, which can support up to 85 - 90% of the loan demand     

● Flexible loan tenor, lasting, can be from 3 to 15 years, ...     

● Loan packages in rural areas for agricultural development will be supported with a quick and simple loan procedure     

● Good interest rate, only from 7.5% / year. Interest rate range can range from 3.5 - 4% / year after the preferential period. You can refer to the article on Agribank loan interest today     

* Techcombank

When you have a red book owner, you can apply for a loan at Techcombank according to the following product packages:

● Home loan     

● Car loan     

● Loans to buy real estate     

● Loans for building and repairing houses     

● Business loan     

In particular, Techcombank is one of the low-interest home lending banks that you can consider.


● Can borrow with a limit of up to 80% of the collateral value     

● Flexible loan tenor, can be 5, 7, 10 or 20 years, ...     

● Installment loan interest rate is calculated based on reducing balance     

● The preferential interest rate is only 7.5 - 8.3%.     

● Quick and simple loan procedure     

* Vietinbank

Vietinbank is also a suggestion for those who wonder which bank red book mortgage is the cheapest.


● Support loans with large limits, up to 3 billion VND (business loans) and 80% of capital needs for other loan purposes     

● Interest rate from 7% / year     

● Long and flexible loan tenor     

● The interest rate is on monthly installments, calculated based on the reducing balance     

* Policy Bank

Although the loan interest rates at policy banks are low, the borrowers are quite limited. Only those subject to regulations and loans for social security purposes will be considered.


● Very low interest rates, only from 1.2 to 9% / year     

● High loan limit, can reach 100% of the asset value     

● Long loan tenor from 20-25 years     

● National lending support, mainly focusing on difficult cases     

Experience in choosing the best bank to borrow the best mortgage red book

To help you choose the cheapest and easiest bank red book mortgage loan, CashBerry will share some of the following experiences:

● Choosing to borrow at banks with low interest rates. In case of borrowing to buy a house or land, it is necessary to pay attention to both the preferential interest rate and after the preferential interest. Should choose a bank with interest rate fluctuation margin as low as possible.     

● Choose a bank to calculate the interest rate on the basis of reducing balance instead of principal balance.     

● Based on your financial ability and plan to choose the right loan term.     

● Be specific about how much loan you want to be. Often many banks announce 100% cost loans, but only support from 70 - 80% only.     

● Have a reasonable loan use plan and repayment plan     

Normally, the bank will disburse the loan for you 3-5 days after submitting the full application and without any abnormality on the application. But in reality, it will take 5-7 days to receive a disbursement. Many cases of missing documents, long assessment, wrong information, ... can take 10-12 days or even longer.

The above is all the main information about the issue of getting a red book mortgage, and the article also answers your question: how much money can I borrow? If you want to borrow a large amount of money with low interest rates, the form of a red book mortgage loan is a wise step. However, if you want to borrow money quickly for consumption, this is not the choice for you.

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