Home mortgage service you should know

When has invested much into his house, you should earn the benefit from it. Homemortgage service of ANZ will help you borrow based on the market value of the House you own to make the plan as well as the needs for themselves and their families.







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Characteristics of home mortgage loan products of ANZ

Attractive interest rates, calculated on the loan amount decreases.

Loan duration of up to 10 years.

The amount of the loan up to 60% of the appraised value of the collateral.

Provides information transparency and valuation according to the price of the collateral markets (by the companies valuation of international property professionals).




Fixed term interest rates effectively and flexibly (1 month, 3 months, 6 months, 1 year, 2 years) allow you to manage home mortgages interest rate risk in the best way.

Be charged soon loans (a fee applies).

Are hybrid loan prepayments.

Quick and simple procedure




ANZ home loan application.

Personal legal papers (ID CARD or passport, household, single certificate/marriage registration).

Proof of income (individuals and/or companies).

The certification documents of ownership of real property mortgages.




ANZ branch to be advised by a team of expert ANZ credit (see list of branches of ANZ here).




Schedule phone customer support centre (phone number 1900 1276-24 hours/7 days) for advice.




Question: can I borrow with money?

Answer: the amount you are borrowing depending on income, home mortgages obligations, the existing savings and credit history. The highest loan amount is up to 60% of the value of real estate collateral.




Question: I have to offer these vouchers?

Answer: The necessary documents including




Personal legal papers (ID CARD or passport, household, single certificate/marriage registration).

Proof of income (individuals and/or companies).

The certification documents of ownership of real estate mortgage (Red Book/red book or purchase contract).

Proof of the purpose of the loan.

Q: will I have to submit the fee?

Answer: the fees related to your loan include:




Real estate valuation cost USD100 or USD 2,100 million (made by the company in the international real estate valuation, fees may vary depending on the location of real property mortgage).

Mortgage loans from banks by intellectual property

Mortgage loans by intellectual property. The State Bank (SBV) are gradually expanding forms of collateral pledge as collateral under the general trend of the market economy is bank loans guaranteed by intellectual property.

Recently, in order to provide the knowledge and experience of capital secured by intellectual property (TSTT), reverse mortgage lenders in contributing to the growth of credit and create the opportunity to bank loans for small and medium businesses, The Vietnam Bank Association (VNBA) in collaboration with the international financial organizations (IFC) put out quite a lot of positive points in the lending.

The kind of collateral for loans before now

, but in the context of real estate mortgaged property market are still making it difficult for the Bank in the recovery of the debt, to reduce the risk capital financing secured by property, TSTT was viewed as effective solution for commercial banks , thereby creating the impetus to boosting production, the business of the business.

On the other hand the majority of small and medium enterprises do not have fixed assets to pledge, while the capital needs of this huge business. So was Bank loans in the form of trust or home mortgage loans by TSTT will facilitate this businesses expand production business.

Admit this, said John Kinzerm, Executive Director of the Asian network block NH Silicon Valley, said, has solved more than 300 mortgage loans by TSTT. In particular, the priority areas are medical technology, software, hardware and clean technology.

In Vietnam, this in the form of loans also can fully succeed if the banks deploy while enterprises understand the your TSTT, and related legal system continues refinancing a mortgage to be perfected. The advantage of water after the Vietnam commercial bank can learn experiences from other countries have deployed to from which to apply success into reality.

In 1975, the total intangible assets (17%) and tangible (83%). By 2010, the intangible assets increased by 80%, while tangible assets only 20%. As such, the expansion of mortgage loans under intangible assets is inevitable trend that banks must make. However, if you do not have a certain limit of credit Bank Law hard the hard redirects.

To make decisions regarding loans secured by assets or loans secured by property, URBAN COMMERCIAL usually based on standards such as mortgage loan officer from the effectiveness of investment projects, production, business plans, the financial ability of borrowers, loan purpose use , loan amount ... in order to reduce to the lowest risk occurs. SBV encourage lending by TSTT without the accompanying policy changes then that's hard to accomplish.

Mortgage Bank loans by TSTT is reverse mortgage calculator advantages and should be applied, however, to the form of this loan, the SBV and effective State management agencies need to enact many of the related conditions as well as additions, changing the law to limit the credit risk lowest.

Risks from getting mortgage assets of third parties

Mortgage refinancing recorded from the Court at Hanoi TAND shows, the case in which credit banks lend and receive secured mortgaged property is the land use rights of third parties more and more.

According to the assessment of Mr. Pham Tuan Anh, Chief of the Economic Court TAND Hanoi, with the difficult economic situation such as the present, the number of cases of credit or otherwise, the service requires the Bank's increasing debt. Notably the service collections in which mortgage lenders and FIRMS with mortgage assets of third parties is also much higher. Except block foreign banks, most of the commercial banks in the country, even big banks like Vietcombank, BIDV, Vietinbank, Agribank ... have this type of lawsuit judgments.

For example, the collection of Techcombank for an individual (Thanh Xuan district, Ha Noi), in which this personal loan of 410 million through 2 credit mortgage contracts, secured property is land use and property affixed on the ground of a family in the District of Dan Phuong (Hanoi). When the person fails to repay the loan, the Bank requires to secure the home, the family of the Earth knows, both the principal and interest of the debt of 510 million.

While according to this family, they just need to borrow 100 million and actually received only 88 million, after deducting the interest rates and fees. However, due to the correct mortgage contract is signed by this family, has secured transactions registry, should the Court declare the broadcasting rights have commercial property Techcombank in case the borrower does not pay the debt.

Or the case for Hung company loan Seabank 5.7 billion, collateral is land use and associated property on land of 3 households. After petitioner bank debt and reclaim the detected the signature of a family on the mortgage contract is forged. Refinance home mortgage from a household and others giving evidence about whether they have to repay 1.7 billion, was Deputy Director of the Albert Branch Three Family sign, of 2.4 billion that their families have the guarantee, while Albert said, testifying from the Bank at only 700 million.

In these cases, on the banking control as if they were fully implementing the provisions of the guarantee transactions like mortgage contract notarized, have secured transaction registry. However, the Bank still bear many costs in the collection process, not to mention the hassle.

Mr. Pham Anh Tuan said: "experience shows that, while bank loans and put away the GOV'T property is the property of COMPANIES or assets of relatives such as parents, brothers and sisters, then it is the loans. The case of DN a home mortgage loans where collateral is of another person, called the third party, the Bank needs to be vigilant. Meanwhile, the property loan needs only a few dozen million or 100-200 million, but the loan is not a Bank, so thanks to DN stand up the loan.

Moreover, when lending has secured property is a third party, the Bank faces many risks if not fully implementing the provisions. For example, when DN Bank loan they must be approved by the BOARD, so the banks need to check comments prequalify for mortgage in writing of the BOARD or not. But when the Bank does not check should not detect only loans ceo DN know, BOM does not know, lead to bank hard to claim to be owed.

Or household Bank loan when they mortgaged property is the land use right and property attached on the ground must have the approval of all members of the household. But there are cases of parents just sign the Bank, forgetting the children, leads to mortgage contracts null and void when there are family members aged 16 and up are not signed. Mortgage contracts not void of any other Trust Bank lending and credit risk increased.

Land use is popular collateral types, but there have been cases when the Bank received the mortgage specifies price valuation of land without homes, lead to disputes in the collection process. Not to mention, when the mortgage lenders want to increase the price of the secured property to can be more, plus Bank employees did not do the right processes, rules of valuation, leading to difficult to recover enough loans.

The auction process related to home mortgage loans

The mortgage assets to borrow money and agree for Bank auction should you not pay the debt, the Bank has the right to decide whether you oppose.

The Bank has the right to sell the property when the auction brought the mortgage?
The House of the couple you are collateral in transactions with the Bank. When does not pay the loan, according to the rules of mortgage assets, the assets will be disposed to pay debts.

Article 6 paragraph 2 of the Decree 17/2010/ND-CP rules about who has the property of auction include: property owners, who are the authorized owner sell the property, who is responsible for the transfer of property for auction or individuals, organizations have the right to sell the assets of another person as prescribed by law.

Article 10 circular 23/2009/TT-BTP regulation who has the property of auction include:

1. The owner of mortgaged property, the person who is the authorized owner sell the property;

2. Who is responsible for the transfer of property for auction is the Agency decided to confiscate funds supplement State for exhibits, means of administrative violation according to the rule of law;

3. The Agency, organization, unit is delivered using the management or mortgage refinancing handling of presiding State assets;

4. Banks, credit institutions with regard to the secured property;

5. Executive Member, civil enforcement agencies, individuals, other organizations competent to handle other people's property through the auction of the property under refinance home mortgage of the provisions of the law;

The case, brought by the collateral to borrow money and agree to auction Bank properties. Consequently, the Bank is "who have the property auctioned".

As defined in item 2 article 38 of the Decree 17/2010/ND-CP, once that expiry of registered to participate in the auction of the property that only a registered person to buy auction property or more people registered to participate in the auction but only one bidder with a starting price of the property is sold to the person If people have mortgaged property auctioned agree. The sale of the property was conducted after the listing, announced publicly, display properties and no complaints related to the order, the procedure until the decision to sell the property.

As such, the sale or not will depend on the will of "the property auction", here is the Bank. So your objections have no value that mortgage prequalification only new Bank has the power to sell or not.

Ways to prevent risks from mortgage assets

Many risks related to mortgage assets from banks

Mortgaged property was going places, mortgage banks get project mortgage stood before the risk of losing white, if not keep abreast of the owner, by the mortgage projects is not registered the transaction guarantees.

For real property, when the mortgage loans, the Bank is registered in the land registry office levels. However, due to the formation of project in the future, a form of property rights should land registration office will not register. When disputes arise, the Bank will not be a priority debt collection processing.

For the project, lending risks that banks encounter is the risk of the project being of purchase goes on sale a lot. In principle, the law only allows reverse mortgage interest rates the transfer of the project when complete infrastructure, but in fact, many businesses have the land but do not have the economic resources to implement the project was still "spleen law" in many ways to transfer the project to the secondary owner. When this, if the secondary investor stand-out bank mortgage loans and do not pay the debt, the banks are very difficult to handle the secured property, by the secondary owner does not have full legal power with respect to the project.

In addition, a series of other risks such as the project was revoked the license, could not deploy or the narrow area. Even, the project was implemented, but there are risks such as false works, works does not guarantee the quality, fire going without mortgage life insurance.

Ways to prevent risks from mortgage assets 

The Bank has closely process will take into the credit contract agreement to manage, supervise the secured mortgage property, so that if problems arise, will recover the previous debt limit. That is, the agreement all transactions, commitments related to the project with third parties must be approved by the Bank.

When mortgage lenders buy apartments, banks have to deal with the owner, control the payment made and the progress of the project. When the owner handed the Red Book, apartment, Bank must participate. Because, with the real estate projects, apartments, offices for sale refinancing a mortgage then when the owner handed over to the client, the property owner's guarantee at this will return 0. The Bank can only manage the revenue when selling the flat, if not tighten then the secured property will no longer.

Have to say, the nature of the project, as the investor, the feasibility of pre approval for mortgage with a new project is the most important factor of real estate make sure to review bank lending. By practice, real estate project is just a form of property rights.