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CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

1
Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
2
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.
3
Receive money
After the application is approved, our partner will transfer the money to your account.
4
Repayment
Make repayment to our partner according to the instructions.
Loan
Loan
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

If you are in need of a loan to build a house but do not know which banks give loans with low interest rates, please refer to the following article. Top 5 banks that lend money to build houses with low interest rates will help you easily make the right choice.

People's demand for building and repairing houses is increasing day by day. However, not everyone has the financial resources to renovate or own a dream home. For that reason, the bank has launched a home loan product with many attractive incentives.

If you are in need of a loan to build a house but do not know which banks give loans with low interest rates, please refer to the following article. Top 5 banks that lend money to build houses with low interest rates will help you easily make the right choice.

Top 5 banks that lend money to build houses with low interest rates

Borrow money to build a house at Vietcombank

Do you want to build and repair a more spacious house but still lack a bit of capital? Renovate your house from today with Vietcombank's home repair and construction loan product.

Benefit:

○ Preferential loan interest rate from only 6.79%/year     

○ Flexible loan term according to actual income     

○ Simple procedure, quick approval time     

Product Features:

Borrowed time

Up to 15 years

Loan amount

Up to 100% repair value

Pay

■ Loan principal: Pay monthly or quarterly     

■ Loan interest: Pay monthly according to the decreasing balance     

Customers:

○ Individual customers between 18 years old and 65 years old     

○ Customers with stable income from 5 million VND or more     

○ Customers have collateral assets such as real estate, valuable papers     

Documents to be prepared:

Plan to use capital

According to the bank's sample

Personal Profile

■ ID card/citizen identification/passport;     

■ Permanent residence / long-term temporary residence (KT3);     

■ Marriage certificate / certificate of singleness     

Documents proving the purpose of the loan

Contracts, invoices for house repair…

Proof of income

Labor contract, salary sheet, bank account statement...

Secured property records

Certificate of property ownership

Borrow money to build a house Techcombank

Benefit:

● Loans for home construction / home repair of customers or relatives     

● Compensatory loans for building/repairing houses for customers or relatives     

● Loan for construction/repair/offset and purchase of interior equipment of that apartment or relatives'     

Characteristics:

● Loan term: Minimum 1 year and maximum 20 years     

● Loan limit: Building a house: up to 5 billion VND     

● Repairing a house: up to 3 billion dong     

● Ratio of loans to total capital needs: 90%     

● Ratio of loan to total value of Collateral: 70%     

● Interest calculation method: According to the decreasing outstanding balance     

● Collateral: Real Estate     

Loan conditions:

● Customers need to borrow to build/repair the customer's house or the house of their relatives (natural father/mother, father/mother-in-law/wife, brother/sister of the client's spouse)     

● Customers are 18 years old at the time of loan and not more than 65 years old at the time of payment     

Borrow money to build a house at BIDV

BIDV supports buying, building, renovating and repairing your house with attractive incentives and flexible loan methods.

● Loan term: maximum 20 years     

● Loan amount: up to 100% of the value of the house purchase and sale contract     

● Interest rate & interest calculation: competitive interest rate, interest is calculated on a decreasing balance     

Loan product information:

● Simple and convenient loan procedure     

● Consulted by a team of professional and enthusiastic staff     

● Monthly/quarterly or yearly principal payment     

● Monthly or quarterly interest payment     

● Loan security: assets formed from loans, or other security assets are real estate, value of assets or assets of customers or third parties, or a combination of other forms of security.     

Processing Time:

- For loans without risk assessment: Up to 03 working days from the date of receipt of the customer's complete application.

- For loans through risk assessment: Up to 05 working days from the date of receiving the complete application from the customer.

* Note: (i) The maximum processing time of 01 transaction is counted from when BIDV receives all valid documents/documents from the customer, excluding the time to carry out procedures for registration of insurance transactions. Ensure assets in accordance with the law, BIDV's technology program operates smoothly at the time of transaction. (ii) The above period applies to loans under the credit approval authority of BIDV's branch. (iii) Some other special cases (if any) shall be complied with BIDV's regulations from time to time.

Conditions of use:

● Live/work often in the same area of ​​the lending branch or the area adjacent to the lending branches     

● Have a stable income, ensure the ability to repay the debt     

● Have collateral in accordance with BIDV's regulations     

Borrow money to build a house Vietinbank

Benefit:

● Loan support up to 80% of property value     

● Flexible loan term for each purpose, up to 20 years     

● The collateral for the loan can be the property formed from the loan or other assets     

Product Features:

● Loan purpose: Paying the cost of buying a house, receiving the land use right, building/repairing the main house of the customer and his/her natural parents, adoptive parents, parents-in-law, spouse, natural children, adopted children of customers to serve life     

● Maximum loan amount: Up to 80% of capital needs     

● Loan period: Up to 20 years     

Conditions of use:

● Having own capital to participate in the implementation of the plan;     

● Purpose of borrowing capital to serve life needs     

● Other conditions as prescribed by Incombank from time to time     

Paperwork process:

● ID card/CCCD/Passport; Registration book; Marriage Registration/Single Confirmation     

● Loan application form cum loan and repayment plan (according to form)     

● Documents proving the source of debt repayment (Labor contract, salary statement, income statement, ...)     

● Documents proving the purpose of using the loan (Purchase contract, land use right certificate, construction and repair permit, ...)     

● Other documents as prescribed by VPBank     

Borrow money to build a house Agribank

Benefit:

● Long loan term, up to 15 years     

● Low and fixed interest rate, from 11-12%/year     

● High loan limit, the loan amount can be up to 80% of the collateral value     

● Flexible repayment of principal and interest     

● Disbursement quickly, one or more times according to customer's needs     

Interest rate when borrowing money to build and repair Agribank's house

The average interest rate of Agribank home loan is about 11%/year, the difference is 2 - 4% depending on the customer and the loan limit. This interest rate is considered quite low compared to banks. The home loan interest rate, calculated on the principal balance, gradually decreases from time to time.

The maximum loan limit is up to 85% of the total capital need according to the estimate or the total value of the house purchase and sale contract. The loan term is extended to 120 months.

Procedures and documents:

● Loan application form together with a proposal for loan repayment plan according to Agribank's form     

● Original marriage certificate or certificate of singleness certification.     

● ID card, household registration book/temporary residence book of the customer     

● Documents related to the house that needs to be built or repaired     

● Dossier related to mortgaged property     

● Statement of income source to ensure debt repayment     

It can be said that, with the preferential policies on interest rates of the 5 banks mentioned above, you can choose one of them to make a home loan. On the other hand, to make the process of borrowing money to build a house go smoothly, you need to pay attention to the following issues.

Note when borrowing money to build a house at the bank

● Need to determine net income     

● Clearly estimate construction costs     

● Evaluation of collateral when borrowing capital     

● Choose the right repayment plan, and consider the interest rate on the home loan     

● Choose the right loan term     

● Make a reasonable spending plan     

Above are the top 5 best home loan banks, you can go directly to the branch for more specific advice. If you have any questions, please contact CashBerry immediately!

- Customer care: 1900638385

- Support settlement instructions: 02873068385

- Email: hotro@cashberry.vn

CashBerry - an online financial consulting unit, supporting online consumer loans from 1-10 million in the same day, just need an ID card.

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