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.

Revealing ' shocked ' about real estate mortgage loans

A mortgaged property projects is mortgaged to the Bank loan, then the Bank lending to customers buying their own apartment that project related to real estate mortgage loans.

Thus, the risk from the mortgage lenders property is real estate project will be huge, because the Bank has disbursed twice for two different loans that only one of the secured property.

For Office building projects, apartments ..., although investors have big capital to prepare, then still have to depend on the credit capital in medium and long term. , The nation's growth thanks to an important part of the growth of outstanding credit with reverse mortgage lenders that portion of outstanding credit growth generally tied to the real estate growth.

The problem is that when funding for real estate projects, risks that banks face? In the case of this loan, the borrower secured assets taken on mortgage assets is formed by loan source: property from the project. This is the huge accounting in Bank's loan structure and of the whole economy. Secured property which can be work, the building form in the future and be priced according to the structure of capital: total assets, investment estimation, estimation of exploitation ...

The property business projects usually targeted the Office buildings, apartments and aims to sell or lease. Many cases the owner recommended the Bank to support sales through stitching closed process is the combined bank loans to buy the product owner's property project by reverse mortgage information consumer credit products for the home. In this case, the customers bank loan to purchase flats and secured property is the main apartment. As such, a property but the owner and the same home loan mortgage.

Not to be mentioned, there are cases that suppliers and contractors back to mortgaged property was merchandise, materials like cement, iron and steel, elevator ... and the main repayment source is sales revenue from the project. When a borrower cannot afford the payment, the Bank conducted sweeping debt, collateral is the processing of materials, goods. But when the mortgage loans project, the entire material, the goods have to be calculated form the value of the project in the previous refinancing a mortgage. Computer, the same secured property where the value for loans based on collateral has been multiply folded 2, 3 times.

The fact noted, have suggested getting Bank loans for a project, have estimated hundreds of billions Dong. The legal procedure of the project has been completed, the owner has a permit to build and banks have loans with secured mortgage prequalification property is the entire project. After being disbursed, the owner sold the apartment project in the form of capital contribution. Those who contribute capital also is a part owner of the project.

Upon discovery of this, the Bank has halted disbursements and debt collection proceeding before maturity, the obstacles of mortgaged property, leading to the Bank's guaranteed assets no longer. Banks face new dispute.

Benefits from home mortgage loans service of ANZ

When has invested much into his house, you should earn the benefit from it. Home mortgage loans 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.

Characteristics of home mortgage loans 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 reverse mortgage information transparency and valuation according to the price of the collateral markets (by the companies valuation of international property professionals).

Fixed term reverse mortgage interest rates effectively and flexibly (1 month, 3 months, 6 months, 1 year, 2 years) allow you to manage interest rate risk in the best way.
Be charged soon loans (a fee applies).
Are hybrid loan prepayment.
Quick and simple procedure for home mortgage loans.

ANZ home mortgage 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.
Proof of the purpose of the loan.

Mortgage loans thanks to passbook in VPbank

You need to use a sudden large sums but saving numbers back yet to the withdrawal term? To handle this situation you can use the package for home mortgage loans  VPbank passbook

Savings book is one of the valuable papers that you can take the pledge at Bank of Thriving VPBANK Vietnam. In addition, with refinance mortgage, you can also use the certificate of deposit, bills to mortgage when borrowing money in the Bank loan package VPBANK pledge valuable papers.

Mortgage loan packages of valuable papers would be an effective measure when you need to borrow some money folding for your business project, or do you spend on any legitimate purpose.

Conditions of the loan pledge valuable papers VPbank Bank.

The valuable papers (number, certificate of deposit, bills ...) must be Prosperous Vietnam Bank VPBANK released
Customers will be borrowing some money that does not exceed reverse mortgage interest rates the limit value of valuable papers (e.g. do not exceed the amount available in your account book)
Naturally, the loan term will not exceed the time of maturity of the account number or the other valuable papers

Currency: Vietnam Dong
The method of repayment: total principal and interest are paid at maturity
There is another point in terms of refinance home mortgage pledge valuable papers from VPbank is customers can Vietnam citizens or foreigners who are legally resident in Vietnam.

Characteristics of the loan package pledge bank savings book VPBANK

Customers can borrow overdue face of STK, but customers still have to commit to saving book then at maturity will still pay all the loans from prequalify for mortgage from a bank savings book VPbank
Customers can pay the debt by the number of saves or other valuable papers
Vietnam Bank Prosperity VPBANk will interest according to the actual time incurred on loans
Procedural pledge VPbank mortgage papers

The loan pledge to record savings book (paper papers) from VPBANK also simpler than the other loan packages very much. You only need: Paper suggested mortgage loans from the valuable papers, copy of ID or passport in time not exceeding 3 months and most importantly valuable papers (passbook).

Please be assured, we will store the valuable papers of you extremely carefully. Customers need Bank loans VPbank contact credit loan expert to be the fastest mortgage loan officer support, low interest rates.

Packages of low-interest mortgage loan in VPBANK

VPBANK in low interest mortgage loans with various forms and packages for bank loans for individual households. You can consult the following loan package to choose the most suitable loan package!

The package of low-interest mortgage loans from banks very diverse VPBANK Prosperous Vietnam, meet all of the borrowing needs of the Trustees. In particular, the interest of all packages mortgage loans from the Bank of Vietnam VPBANK Prosperity are very incentives, is a competitive interest rate on the market.

Packages of low-interest mortgage loans in VPBANK

VPBANK Bank lending business household support has secured property (mortgage lending to business)
VPBANK Bank lending business household support additional working capital to pay contributions (for mortgage loans to business)
VPBANK personal support bank loans from mortgage pre approval to buy houses when the secured property (mortgage loans for buying a home)
VPBANK Bank personal loan support construction, home repair (for mortgage loans for the construction, home repairs)

VPBANK Bank support for personal automobile loan (mortgage loan to buy the car)
VPBANK Bank loan student financial support (for mortgage loans to study)
VPBANK mortgage lending bank savings book and valuable papers due VPBANK released

Depending your needs, customers can choose one of seven packages of mortgages on the Bank's VPVBANK. Customers feel secure, whether you have a choice of reverse mortgage information in VPBANK, we are committed to giving you the most preferential interest rates, the highest guarantee of the rights of the client.

The basic papers must have the complete procedure for package mortgage loans in VPBANK

A copy or a photocopy of ID, passport, legal papers
A copy or a photocopy of Hukou, KT3
The paper suggested mortgage loans under the Bank's form depending on the mortgage loans specifically
Proven record of repayment ability, financial ability, income, etc.
Proof of ownership with collateral, collateral, ...

Other documents depending on the Bank's mortgage loan package VPBANK
After choosing the right mortgage loan packages are with your needs, please contact our expert to enjoy the lowest interest rate

Packages for home mortgage loans in VPBANK

If you have need of home mortgage loan package then buy home VPBANK Bank will be the right choice. We will assist you the interest rate and term of the most optimum level.

VPBANK Bank supports the personal desire to borrow to buy houses by home mortgage lenders packages buying with the profile and the procedure is extremely simple. Help individuals can make the dream of buying their home quickly.

Whether you want to mortgage loans to buy homes, buy a house or land, you can find packages for your home purchase loan personal VPBANK row.

Characteristics of home mortgage loan packages

Customers can borrow up to 100% of the money needed to buy the House, but the loan limit may not exceed the rate of mortgage loans secured property (according to the level of the Bank regulatory VPBANK)
Customers can borrow during a maximum of 20 years
Loan: loan right after browsing profiles in Vietnam Dong
Repayment form: pay monthly loan or stem end customer selected options
The interest rate for bank loans: interest rate incentives VPBANK on the market, guarantee the rights of the client (please contact our experts for advice for home loan interest rates-current)

Procedure of buying a home mortgage loans packages 

Certified copy of ID
Notarized copy of the household or KT3
Loan application mortgage home buying VPBANK (according to the template provided by the Bank, contact our specialists to be offered the standard sample)

Documents proving the purpose of the loan: a contract to buy the home, refinance home mortgage hid the building permission
The proof of financial ability and the ability to repay
Documents prove legitimate ownership of the collateral
Other documents required by the Bank VPBANK

VPBANK supports business mortgage loans packages

Vietnam Bank Prosperity VPBANK business mortgage loans (the loan collateral available) with the interest rate support, highest efficiency for customers

The business is a headache because of loans to business will be glad to know to mortgage loan packages to business from Vietnam VPBANK Prosperity Bank (loan collateral required packages).

With pre approved mortgage from lending package to this business, Bank Vietnam VPBANK helped restore Prosperity and develop thousands of businesses across the country Vietnam, the wing for the dream of starting a business and get rich!

Benefits of mortgage loan packages in VPBANK

Apply for customers needs working capital loans and loans for investment in fixed assets with high limit (80% to 90% and with working capital LOAN)
Long loan period is 12 months, respectively, for working capital loan demand and bank loans to invest and reverse mortgage calculator in VPbank fixed assets is 60 months

Loan: currency in USD, loan or loan limit dishes immediately after the browser profile
Form of payment: USD currency, reverse mortgage interest rates may be charged if the loan according to the leading pay periodic interest rates or limit if the loan according to the dish


The paper suggested mortgage loans to business VPBANK (according to Bank request form)
Trading scheme and the scheme of repayment
Personal profile: identification (passport, ID, ...), the Hukou (KT3), proof of income, proof of repayment sources

Profile of collateral: prove legitimate ownership of the borrower
Other papers required from the Vietnam Bank Prosperity VPBANK
The interest rate of mortgage loans to the business package from Vietnam Bank Prosperity VPBANK

Vietnam Bank Prosperity VPBANK committed assists clients preferential interest rate, repayment ability optimization

If you are in need of need loans to business, please contact our specialist for home mortgages advice best suited loan package!

Mortgaged property loans services in TechcomBank

Techcombank customer search with mortgage assets services in real estate, serving the needs of consumer loans increasingly diverse customers. In the psychology of consumer loans, pay the fee daily as: payment of tuition, living expenses, electricity, water, marriage, ... Techcombank launched service pack mortgage lenders with huge incentives.

The gains from mortgage lenders

• Lending support level depends on the secured assets with higher lending limit.
• Simple loan procedure, have support staff to do the procedure.
• The method of payment of the debt.

Characteristics of mortgaged property

-Type of money lending capital: VND.
-Interest loans under the Bank's rules apply to each period.
-The interest rate calculated based on actual debt balance.
-Maximum mortgage loans limit not to exceed 70% mortgage refinancing can be up to 1 billion.
-Unmatched duration up to 84 months (7 years).
-Collateral is real estate owned by the loan or the guarantee by a third party.

Conditions for mortgage loans

-Purpose loans to pay tuition, living expenses, travel, wedding, examination; other consumer ...
-The age of the borrower or guarantor from 18 to 60 years old.
-The customer must have the collateral is real estate or are guaranteed by the owner of the mortgage property.
-The client does not have the bad debt at banks.

Procedure of real estate mortgage loans:

-Consumer loan application according to the form of Techcombank.
-Household, the ID CARD of the client.
-Proven record of repayment ability of clients (labour contracts, payroll, etc.)
-Collateral records (certificates of mortgaged property use, ...)
-Use records of loans (consumer loans, ...)

Other mortgage loan services, customers can consult the website or contact directly with consultants for assistance.

Facts about mortgage lenders you should know

Bank mortgage loans as borrowers form in which the borrower must use the assets in her legal ownership to the mortgage with the Bank for the loan. Here's to learn about mortgage loans and common understanding of this loan.

What is a Mortgage Loans?

Unlike with Trust Bank loans, reverse mortgage interest rates the Bank's borrowers form in which the customer must use the property is property owned by yourself or the value of land use to ensure legal obligations for the lender is a bank. Other than the credit loans credit loans, mortgage banks accepted, then no need to mortgaged property.

This is a form of bank loans are quite common. To be the Bank for a loan, the customer must pledge a property that has a value greater than or equal to the amount of the loan to the Bank.

When borrowers to mortgage the property then mortgage loans projects the property ownership remains, but if repayments are not to the Bank when they expire out of copper, the ownership will be transferred to the Bank to liquidate.

Many people said that if mortgage loans so then what other than pawn service outside the store? So we see the difference between mortgage loans and pawn service:

-Major mortgage loan amount up to tens of billions or even hundreds of billions, while the pawn shop loan only from several hundred thousand to several billion.

-Procedures for different loans: mortgage banks could take a few days to several months to complete the credit profile and you must ensure the full conditions of the property used for mortgage loans, pawn services just a few hours or even a few minutes to complete the loan.

-The Bank's lending interest rates are lower than pawn service very much.

Depending on each case, borrowers will choose appropriate forms for themselves. With the folding case with no large amount of time, then the clients often choose form the pawn in a short time. With the large, long-term loans, then customers should select the form of mortgage loans of the Bank.

Trust Bank lending in many large banks such as credit loans credit loans, vietcombank, bidv accepted mortgage, loan trust hdbank.. currently many people trust use. Not only have high flexibility, that form of personal consumption loans also is a form of reverse mortgage info borrowing money safe and trusted. You don't have to mortgage any asset that simply repay regularly every month to the Bank in a certain term.

Bank mortgage loans as borrowers form in which the borrower must use the assets in her legal ownership to the mortgage with the Bank for the loan. Here's to learn about mortgage lending and common understanding of this loan.

Many people said that if mortgage loans so then what other than pawn service outside the store? So we see the difference between prequalify for mortgage and pawn service:

-Major mortgage loan amount up to tens of billions or even hundreds of billions, while the pawn shop loan only from several hundred thousand to several billion.

-The Bank used the law to confiscate property, pawn services are also sometimes used to "black society" to solve.

-Procedures for different loans: banks mortgage could take a few days to several months to complete the credit profile and you must ensure the full conditions of the property used for mortgage loans, pawn services just a few hours or even a few minutes to complete the loan.

Mortgage red book in banks you should care

Customers need mortgage loans the Red Book in VPBank Bank please contact us for advice and support. Before the mortgage you need to clear the Bank's lending conditions, problems of interest rate and interest payment time. For customers not qualified trust loans, mortgage loan program VPBank mortgage installment in the red book long time, specifically as follows.

Customer requirements are fully knit the behavior abilities, the capacity of civil law under the law of Vietnam. There is full proof of monthly earnings, have the ability to repay the Bank (proof of monthly income). At the time of the red book loans mortgage you don't have bad debt with bank loans or other credit institutions.

The Red Book and the mortgage loan conditions

+ Certificate of home ownership is the mortgage.

+ Paper proving income.

+ Marriage registration certificate or single.

+ Copy ID/household or KT3 (certified copy).

We now apply the installment form very beneficial to customers fast cash loans in large numbers, with no ability to pay in a short time. Red Book installment mortgage loans after a time you pay interest and capital for the Bank.

For example, the loan amount is: 200,000,000 USD

-Borrowed time in 3 years with interest rate is 1.4% per month.

-Installment according to refinancing mortgage the diminishing balance-total amount payable is >: 251,800,000 VND.

The total amount is charged every month: the original Amount every month + monthly interest.

For more details please contact us via the hotline number above. Mortgage loans projects will help answer all questions on trust loan VPBank Bank.

Bank Mortgage Loans with maximum loan limit in AgriBank

To solve the big money fast you can get bank mortgage loans in Agribank, with extremely simple procedures, browsing profiles, despatch disbursed only after 24 h of work. AgriBank banks low-interest loans, help customers access to sources of capital quickly, solve the problem of financial difficulty.

Bank mortgage loans always bring trust, everyone can have Red Book mortgage, real estate, the property has a value equal to the number of loans for Agribank.

Mortgage loans in Agribank

Just have your property make sure you completely can bank loans mortgage forms by Agribank. Long-term loan time, corresponding to the asset guarantee papers. The maximum loan limit is 75% of the value of collateral, competitive interest rates. Bank mortgage loans registered Agribank through hotline above, we will assist you to complete a profile.

Conditions of mortgage loans in Agribank

At the time for mortgage loans does not have outstanding bad loans at the Bank.
Vietnam citizens are in working age
Have a stable job with income level from 3 million USD/month.
Currently residing in the scope of business of the Agribank.

Procedure for mortgage loans in Agribank

+ Proof of the owner of the collateral.

+ Payroll/billing an water in 3 months.

+ ID, household/Kt3 temporary staying away for long periods.

+ Paper suggested mortgage loans provided by banks of Agribank.

To reduce time for mortgage contracts and procedure of loan please contact number, we will provide all the necessary paperwork problems. Besides Bank mortgage loan by the Red Book, Agribank real estate property ... Customers should consult the more credit loans accept no mortgage assets or consumer loan installment Bank.

Mortgage loans with interest rates only 7% a year.in BIDV

You have financial difficulty, like to solve fast but need a large amount of capital? Let's go to BIDV Bank for mortgage loans with competitive interest rates extremely low, only 7% a year. Loan period up to 20 years, very suitable for customers in mortgage loans the BANK to buy a House, buy condo ... Simple procedures, browsing profiles, despatch disbursed after 24 h of work. BIDV Bank has a total loan limit up to 2000 billion.

Just you are between the ages of 20 to 60, the labour health good, in the scope of business of BIDV Bank. Have a stable income sufficient to repay mortgage loans during the BANK. There are real estate property loans or property is the third-party guarantee. The most important at the time, BIDV Bank mortgage loan you have bad debt.

Registration of mortgage loans in the BIDV

ID, household/KT3 temporary sojourn paper away for a long time.
Certificate of marital status single
Mortgage loan records in BIDV Bank (Bank)
Plans to use the loan (the paper home buying, contract business...)
Proof of monthly income (payroll, electricity and water bills).

Contact the hotline number above to get the best support on the mortgage loan programs at BIDV Bank. In addition, mortgage lenders can trust loans without collateral property. Let us help you overcome financial difficulties, towards future projects more quickly.

Mortgage Loans with simple procedure in Vpbank

Mortgage loans program in VPbank financing needs of clients. Lending support on the 10 billion, competitive interest rates, a simple procedure. Mortgage loans in VPBank browsing profiles quickly, disbursed after 24 h of work, long-term loan period Church for 25 years. You can find out more on trust loan mortgage not in vpbank or consumer loans together you make the dream.

You must be a citizen of Vietnam do not violate the law, aged 18 or over. Red Book collateral or property mortgage ... Proof of monthly income, have the ability to repay the Bank. For more information about mortgage loans in VPBank please call hotline above, we will assist you in troubleshooting.

Mortgage loan incentives in VPBank

To access capital easier, Bank VPbank instruction leading to procedures, giving more incentives for mortgage borrowers. Just below is eligible you can trust Bank mortgage loan Vpbank.

Financial identification, regular source of income (payroll, electricity and water bills...)
Proof of ownership of the Red Book, real estate mortgage ...
Plans to use the loan business (sales contract)
The recommended single mortgage loans real estate red book by the Bank level
ID, household/KT3 paper staying temporarily.

The purpose of the quick disbursement, the Bank out of more rational policy for the mortgage loans you need properties in VPBank. We also perform credit mortgage mortgage is not needed or guarantor, so simple and convenient.

Mortgage loans with low interest rates in Vietcombank

Customers want to sign mortgage loans with low interest rates in Vietcombank more special. We support diverse mortgage assets such as real estate, red book, car, motorcycle ... Simple procedures, solve quick profile, disbursed after 24 h of work. Vietcombank borrowed bank mortgages for now, with the simple conditions, not time consuming.

Our Bank will help you quickly solve the financial difficulties, lack of business capital or paid workers. Must have the ability to repay the guarantee with a bank loan in time. Demonstrate the use of mortgage loans of Vietcombank.

Information about mortgage loans of Vietcombank

+ Vietnam citizens in the scope of business of the Bank.

+ Are in working age 20 to 60 for men, 55 for females.

+ Disbursed after 24 h browsing profiles, can borrow 70% collateral.

+ Loan term of up to 15 years, a competitive interest rate gradually reduced outstanding fact.

Mortgage loan procedure in Vietcombank

You need to prepare the following basic documents if want to mortgage the property at Vietcombank.

Registration documents include:

Mortgage loan facilities paper topics provided by Vietcombank.
Proof using capital properly and reasonably.
ID/Passport/household, KT3 paper staying temporarily.
Proof of monthly income.
Collateral certificate.

In addition to the form you wish to mortgage loans Bank loans can refer to the credit lending programs accept no need to property mortgage. Any information please contact the hotline number above, we will help you with mortgage loans of Vietcombank quickly, get the funding to solve difficult in mortgage loans.

Procedures for home mortgage loans in VPbank

Lending right 100% of the cost of buying a home mortgages package VPbank individuals (with collateral) from Vietnam VPank Prosperity Bank.

If you're chasing around to be able to borrow money to buy a House for his family and are extremely upset because can not find anyone to lend? Dream to get the House after how many years haven't done are because you still have to continue to get mortgage loans projects the area more in about a long time anymore? May have to add 5 years from now, 10 years from now, even to wait another 15 years from now you're new enough 100% of the money to buy a new House?

So you can look to the home package of the Bank's personal Vietnam VPBANK Prosperity. Personal home loan package of VPBANK Bank helped a lot of individuals to buy yourself a House of extremely fit with the level of mortgage loan officer support for the Bank's loans up to 100% of the value of the House.

However, there is a point when you want to bank loans is the only bank VPBank lenders when you have collateral, and loan rates depends very much on the value of the secured property which you give to us.

Advice for when you want to borrow to buy houses from VPBank is collateral mortgage loans to it rather than you will not need to use it to pay the money you borrow to buy houses. You don't have too worry about having to pay for the debt, because you have a VPBANK to 20 years to saving just repay VPBank.

Vpbank will you negotiate to take out a loan limit and interest rates reasonable for you. Reverse mortgage interest rates and this limit will help ensure you will be able to repay itself without any help from other people, even if you really try and work hard to make money, you will be able to repay ahead of time which was contemplated.

Vietnam Bank Prosperity is always ready to help you refinance a mortgage and can be browsing profiles quickly and be disbursed immediately.

The importance of getting a mortgage refinance

Mortgage loans are fundamental for the effective marketing options in the loan business. Some mortgage leads home usually refinance mortgage, potential mortgage refinancing, home improvement tips and much more. Prospect mortgage can bring only achieved when it is updated and available. Fixed interest rate with a fixed monthly payment and interest rate changes to monthly payments are variable mortgages.

Mortgage refinancing is the operation of home mortgages has been a fresh or second mortgage on the property and pay back old loans, in addition to new loans. A refinance help mortgage refinance lenders by creating a trend lower payments and interest rate of the equity in their homes.

Good refinancing mortgage agent and a lender of refinance home mortgage understands that to be profitable, they must constantly work to improve and qualify for a mortgage refinance tips to get a young client's standards. A principal home mortgage will allow you to find the best prospect for any mortgage products and services.

One can replace the current mortgage with a new mortgage loan by refinancing old debt through refinancing mortgage advice. Assuming a price is lower than the interest on the original loan balance is the reason very familiar for the first mortgage refinancing or second current. Debt refinancing can help you save money by refinancing, by providing free quotes from mortgage refinancing for your concerns. A refinance can find you on the market interest rate refinance and best conditions by seeking national database of mortgage lending right when you fill your frame.

A mortgage refinance is a financial service are secured by first liens on a property on which to put a structure are primarily designed for use in 1-4 households. A refinance home mortgage is designed not only for the sake of buying mortgage insurance but also to find a lower rate than your existing loan to remove mortgage insurance. Falling you appreciate more than just the price paid monthly mortgage insurance alone would be the ideal place to refinance your home mortgage.

The power lead mortgage refinance can reduce your monthly payments and thus put more money in your Pocket each month. They can catch a lower rate of fixed interest rates and zip up your debt settlement process. Refinance loans can be a convenient means to pay less monthly loan. Refinance loan offers security of the speed set with the contract of loan with interest rate changes which reduce the rate of interest is charged.

Refinance mortgage lead to help in the consolidation of the first and second mortgage into the lowest repayment. With the help of mortgage refinancing lead, you can avoid the split of cash and has not managed to ensure a minimum rate by increasing the points and closing costs to your new mortgage.

Mortgage home refinancing lead benefits freelancers to get customers who are prepared to decide on the requests for property development. A self-employed person can focus on contact with individuals interested in refinancing mortgage services, but do not have to spend time and energy hunting down death sales path ends with a list of potential customers. Refinancing mortgage for the home improvement prospects can be tracked over the internet-which is a valuable tool in the study of unique type of services in the marketing process.

Guide to Refinance Home Mortgage for beginners

A Mortgage is a loan that is secured by property or real estate. The mortgage loan is a legal agreement and protection of common ownership on a property by the owner. Refinancing is the process of getting new mortgages in an effort to reduce the monthly payments.

Most people refinance home mortgage when they have enough equity on their homes. Sometimes it can be difficult to make payments on a home mortgage.

What should you know before refinancing home mortgage?

Basically you can say that refinancing is the process of getting a new mortgage. Mortgage refinance home loan star made was a rate of interest and the terms vary but new. Refinancing can be a good way to convert different loan rate to the rate. This can be useful for borrowers in many ways. It is very dangerous to refinance when borrowers have too much debt. Make the payment is very difficult in the case of refinancing.

Advantages of Refinancing home mortgage

One of the advantages of refinancing home mortgage is located in low interest rates. Falling interest rates can save hundreds of dollars. Refinancing can be useful sometimes to get money to buy a car and much more. This is done by obtaining refinancing on the basis of equity out of the House.

The cost of refinancing your home page:

Refinance mortgage fees after the output given below:-

Registration fee:-It is the charge imposed by the lender when the cost of checking the credit report of the borrower.

Title insurance and title search:-costs are usually released by the insurance company.
Review fees the lender's lawyer.
The reason for a borrower to Refinance:

The homeowner should have a clear goal to get appropriate loans for them. They must be familiar with it. Some of the top reasons why all you should refinance home mortgage as follows:

You should reduce your monthly payment.
Build equity faster.
Manage your credit
Change the type of other lending programs for Beginners Guide to Refinance Home Mortgage

A Mortgage is a loan that is secured by property or real estate. The mortgage loan is a legal agreement and protection of common ownership on a property by the owner. Refinancing is the process of getting new mortgages in an effort to reduce the monthly payments. Most people refinance home mortgage when they have enough equity on their homes. Sometimes it can be difficult to make payments on a home mortgage.

Information about home mortgage loans you should know

According to the understanding of youth, the regulation must buy mortgage life insurance with collateral not NH would also apply. An employee of credit from ACB said depending on the type of collateral that state bank has required the borrower to buy insurance or not.

For example, if the collateral is business establishments, factories, the accommodation for rent ... then NH request customers must reverse mortgage and purchase insurance fire. Similarly, the collateral is the NH vehicles also require customers to purchase insurance.

If collateral is apartment, townhouse or too small for loan collateral values often NH does not require purchase of insurance, except mortgage refinancing in the case of the state bank staff appraisal found too risky. Similarly, Sacombank also only requires customers to purchase insurance with some collateral has high risk and credit level message in NH stated terms.

Meanwhile, some other terms is considered as NH is required. Customer amount to spend to buy insurance are also different. There where only about 0.2% of the asset value guarantee, respectively a few million if small home mortgage loans, but also where up to several dozen million with loans from 700 million to 1 billion.

Deputy Director a NH shares said the asked customers to buy insurance because this loan contracts lasting many years, even up to 20 years, in the course of the loan if the uncertainties such as fire, earthquake ... affect the value of mortgage assets, the insurance company will replace the borrower continues to pay debt for NH. Only when the borrower has to pay off the amount owed including capital and interest for the new insurance beneficiaries are moved from NH to the borrower.

Represents a NH that should weigh in with this request by apartment buyers are often not high income, again incur an account charges, adding to the burden. "Of course if it's considered a provision ARDENTLY required the prior records must clearly inform customers, to avoid advice not NH staff to either wait reverse mortgage interest rates until the preparation of the new notice, disbursement from that cause pressing where the borrower"-this representative said.

According to experts, the borrower should also learn techniques for binding terms of NH when loans to anticipate situations. In addition the borrowers should also pay attention to the condition to assign the contract to the buyer after the refund conditions or if the termination of the mortgage loan contract before maturity.

In fact many customers after the borrower has to wave a few NH surrender flat, but due to the buyer after needs no loans NH but can't ask refund insurance units because mortgage contracts clause is not specified in the contract.

Buying mortgage life insurance will be disbursed?

Many people borrow money Bank the mortgage refinancing by the apartment until the disbursement preparation was "falling heads" when the state announces must buy insurance for new mortgage assets are disbursed.

T lives in (district 4, Ho Chi Minh city) said recently he mortgaged his apartment are in District 4 to 170 million mortgage loans based in Hanoi. However when preparing to disburse the NH stipulation must buy insurance for collateral is the apartment.

"This is assertion conditions required prior to disbursement, but this made me all the more pressing as during staff consultation NH never mentioned the terms"-uk T. says. Not to mention when you said before that bought insurance for this apartment and suggested use of the NH insurance accounts disagree, which is required to buy mortgage life insurance because of NH and beneficiaries must be the NH.

Before that, Ms. Flowers bought apartments at the Binh Tan district, loans of a large stock of mortgage and NH with the apartments also are required to buy insurance for the NH collateral. The extent that NH is chosen for giving 2% on mortgage loans projects worth 110% or 1% of the value of flats multiplied by the number of payment period (each usually 10 years).

With the apartment around 1 billion and the loan amount corresponding to 70% of the value of the apartment, borrowed time within 20 years, the amount of money the United States sister are spent to purchase 15-20 million range. She is also pressing for pre approval for mortgage in the United States throughout the process of consulting the staff comes to terms not NH, refer to when preparing new sister disbursement was announced.

"Put me on the situation has gone because before NH appraisal done, agreed to loan review so I had close to 30% of the money to buy the apartment. Wait reverse mortgage information until this new stipulation at the NH to disburse to my dilemma "-Ms. flowers said. Then, Ms. Flowers did not agree to buy insurance that should also reject the NH disbursements do struggling sister borrowed ones to pay the following installments.

Establishing of mortgage market related to real estate

Will study the construction of mortgage market (re-mortgaged) property, have the support and control of the State to increase liquidity for the Bank. According to the project of developing The real estate market to build mortgage pre approval from a proposed new Government put forward the solution to promote this market development. Which measures are to be addressed financing, credit.

According to the Ministry's proposal, the market will form and create conditions for the development of financial institutions to attract the sources of capital for reverse mortgage information the real estate market, adjust the flexible credit policies to facilitate capital for the subject real estate market.

The Government soon legal corridor and the Organization deployed the formation of non-bank financial institutions such as investment funds, real estate funds real estate trusts (REIT), housing savings ... Additional studies of mechanisms enabling the property meets mortgage refinancing with the category real estate investment fund to form real estate investment fund.

Construction research of mortgage market (re-mortgaged) property, have the support and control of the State to increase liquidity for the Bank. Establishment of the Agency for housing mortgage lenders do stuff to the Government regulate and promote development of the housing finance system in Vietnam.

According to the Ministry, the need to improve the credit policy for the property markets: building mechanism, flexible credit policies created a legal corridor to the commercial bank can mobilize the medium and long term funds with reverse mortgage interest rates stable to provide credit for real estate market the same time, support for the median-income audience, stability has the ability to buy houses.

Research, build and improve the processes of real estate credit, have more diverse credit products, in accordance with the characteristics of real estate credit, especially in the housing estate; construction of the mechanism of close monitoring, regulation of safety ratio between outstanding property with mortgage loans projects total outstanding of the banking system, the rate of bad debt, loan rate with the number of mobilized to ensure safety in credit operations, to avoid the phenomenon of "bubbles" in property;

Building information mechanism, reporting between financial institutions that operate the real estate credit with the Bank, mortgage refinancing with the Central Steering Committee on housing policy and the real estate market to capture accurate information about the real estate credit activity and have the solution timely direction, ensure real estate credit, effective.

At the same time, well organized information systems related to mortgage lenders between the banks of the real estate market to ensure safe control system, as the rate for the loan and the internal investment; legal construction, the guidelines, the criteria for calculating credit scores. In it, taking the real estate credit score with the commercial banking system.

Build and introduce publicly with the Organization, the individual credit products are flexible, diverse loan needs of individual mortgage organizations to business, created the real estate; Perfecting the mechanisms and procedures, the Member for the disposal of collateral in order to create favorable conditions for credit institutions in the process of handling the property ensures a quick, lawful.

Bad debt and mortgage assets from different aspects

Following reports of Financial Supervisory Commission announced that prequalify for mortgage bad debt ratios of the banking system is 8.6% of the debt, equivalent to 202 trillion, problem solve bad debt are is hot topic for today. A notable figure from mortgage loans in this little report is referred to as the collateral value of this debt by 134.8% loan value.

Firstly, according to the formula to extract backup set R = (A-C) xr (where R is the value estimate is quoted, A is the value of the loan, C is the asset value guarantees and is the rate quote created backup) it's clear when the collateral value is higher than the loan value rising bad debt also does not affect the profitability of banks. This partly explains the fact that mortgage loan officer from all banks are interest rate report until this time despite the bad debt burden are Bank beyond capital.

Second, according to newspaper reports, the value of mortgage assets may be liquidated to recover the arrears up to 270 trillion. According to the share of the Bank's leader, has long been the very limited bank loans trust that required business/individuals must have collateral, in which 2/3 estimate the collateral is real estate.

Problem for banks is the recovery of the property forever, not simply due to the complexity of the related legal procedure, on average it takes 2-3 years to complete.

Also, if bad-debt to survive, the collateral value have been preserved, while weak liquidity currently influence to the collateral value, banks will suffer great risks, this was a "dilemma". However, at present not less domestic and foreign investors are "check out the" giant collateral blocks. The "buy bad debt" is annexed the debtor or buy mortgage assets has long been an extremely lucrative "market" in developed countries.

Currently proposed NPL home mortgage refinance disposal get the most attention is the establishment of the company buying and selling bad debt (AMC). However, the problem has not resolved at present is the role as well as the rights and responsibilities of AMC.

If the AMC to use State budget to "bad" debt collectors and (according to affirm the AMC is active units for profit) then seek to transfer debt or/and collateral to make a profit then here is how to treat the disease "from the flame". The nature of the bad debt is still the bad debt, the purchase of go sold the debt does not create added value that only increases home mortgage refinance the "cost" of debts due to operational costs and profit expectations of AMC.

The party has the right to sell mortgage assets

Perhaps the content of refinancing mortgage makes the NH law experts "awe" for feedback sessions of TCTD on the civil code (Amendment) regulations is collateral sold side, replace, Exchange, donation, lease, loan mortgage lenders object without the consent of the receiving party.

This is a new point of view by provisions of the civil code, in case the collateral is goods side of the carriage, the mortgage refinancing the right to sell without the consent of the receiving party. But with the kind of assets to sell, want to replace, they must receive the consent of the receiving party.

But, according to Mr Huy, Deputy Director of Department of secured transactions (Ministry of Justice), the drafting Committee members, practical application of laws in the past, very few cases parties get a mortgage agreed to the sale of mortgage assets. This makes collateral carried away make sure freezes and does not exploit the economic value.

Also according to him, if the new rules are applied, the protection of the rights of the mortgage will pursue right through the property to the end of the mortgage. With the sale of the property to the public registration mechanism, transparency, i.e., property buyers are considering reverse mortgage information whether to purchase or not when this property is used as collateral.

Together with the procedure for resolving civil disputes and lawsuits under the shortened procedure; enforceable judgment immediately for the transaction which the parties have made public, transparent and have the agreement on the application of rights comply immediately "will help the party get a mortgage right to pursue enforcement of its assets.

This is one of the new spots just ensure mortgage refinance the economics of property, just push this trading transaction and establish a legal way ", he command the explain more.

Risks from getting the mortgage assets of third parties

Recorded from home mortgage loans of the Court at Hanoi TAND shows, the case in which credit banks lend and receive secured 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 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 contracts, reverse mortgage calculator secured property is land use and property affixed on the ground of a family in the District of Danfeng (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. A household and others giving evidence about refinancing a mortgage 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 loan 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 mortgage loan officer is not a Bank, so thanks to DN stand up the loan. But even more, the borrower usually GOV'T disparity, they retain and provide mortgage loans projects with high interest rates. If the loan goes well then they can pay the principal and interest for the Bank, entitled part the difference, but when the COMPANIES could not pay the bank debt, the debt burden will override the home ground ".

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 to reverse mortgages comments 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, reverse mortgage interest rates lead to disputes in the collection process. Not to mention, when the borrower wants 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.

Of the risks when the secured property of a third party, then the elements of risks from mortgage management of the Bank is very important. These cases are not eligible for guaranteed asset disposal is often caused by bank employees did not do the right processes, regulations. "When the collateral received from a third party, the Bank needs to be more careful, and check for the property, so will avoid cases of forged signatures, also limit the risk," said Pham Tuan Anh said.

Proposed establishment of the housing mortgage loan

Bank for investment and development of Vietnam (BIDV) has just proposed the Government establish the company refinance home mortgage lending in order to timely support, the difficulty of the economy and the property market.

Mr. Tran BAC HA, Chairman of the Board of the BANK said, according to the BANK's proposal, the company will have a capital of 5,000 billion and in the first 5 years of operation is expected to mobilize more about 50,000 billion to finance low-income housing market. This capital will be retrieved from the Government incentive funds, reverse mortgage info from development assistance ODA capital sources, the source of the deposits held in the country, and international sources of capital to support other long-term contribution.

To fund the low income housing loans, the company will follow the 2 forms is re mortgage loan and buy back the debt at low income mortgage loans from commercial banks.

Accordingly, the objects of social housing policy is with the revolution, have difficult circumstances; the households were poor rural areas have yet to take home mortgages and have income from 4.8 million back down; low income people in urban areas and a number of other objects such as employees, students, the disabled ...

Term of the loan can last from 15 to 30 years depending on the specific circumstances, conditions and with preferential interest rate is lower than commercial interest rates on the market.

So, if entered, this company will focus on mortgage refinancing funding for low income housing market with capital of about 50,000 billion in five years, corresponding to about 250,000 homes or 7.5 million square meters of low income housing.

Mr Ha said, in the process of preparing the first time and when the new mortgage home company goes into operation, the BANK is ready to join the fast company to support operations, efficiency and stability.

Besides, to implement resolution 01 and 02 of the Government on the implementation of a number of solutions for difficult disassembly production business, market support, resolve the bad debt, in the period 2013-2015, the BANK is expected to spend about 30,000 billion to support for mortgage lenders to the real estate business.

Refinancing home mortgage supported by banks with nearly 330 billion

5 bank receiving refinancing mortgage including Vietcombank, BIDV, VietinBank, MHB and Agribank. In it, the BANK was refinancing the most with more than 130 billion, while FINANCIAL is 646 million.

On 20/10/2014, State Bank of Vietnam (SBV) has informed about the refinance home mortgage in March 2014.

The resulting base housing assistance loan to the end of March, 2014 and suggested the refinancing mortgage of commercial banks, SME approval refinance home loans at the end of March, 2014.

Bank for investment and development of Vietnam (BIDV-BEED code): outstanding loans for housing support to 30/9/2014 is 1,384 billion; The total amount of refinance has informed the Bank is 1,253 billion; Refinancing amount in September 2014 is 130.5 billion.

Bank for foreign trade of Vietnam (Vietcombank-code VCB): outstanding loans from mortgage lenders for housing support to 30/9/2014 is 676.7 billion; The total amount of refinance has announced the Bank was 600.6 billion; Refinancing amount in September 2014 is 76 billion.

Vietnam industrial and commercial bank (Vietinbank-CTG): outstanding loans for housing support to 30/9/2014 was 892.6 billion; The total amount of refinance has informed the Bank is 788 billion; Refinancing mortgage amount in September 2014 is 104.3 billion.

Bank for agriculture and rural development of Vietnam (Agribank): outstanding loans for housing support to 30/9/2014 is 299.9 billion; The total amount of refinance home mortgage has informed the Bank is 284 billion; Refinancing amount in September 2014 is 15.6 billion.

Housing Development Bank of Mekong Delta (MHB): outstanding loans for housing support to 30/9/2014 is 44.8 billion; The total amount of refinance a mortgage has informed the Bank is 44.2 billion; Refinancing amount in September 2014 is 647 million.

Mortgage refinancing by special bonds for some banks

The Bank will be refinancing loan money plain VAMC's special bond with the duration of 6 months with the interest rate from refinance home mortgage around 4.5% per year.

The State Bank has just decided to refinance mortgage for some commercial banks by special bonds of property management company of the credit institutions in Vietnam (VAMC) to support active capital for credit institutions in the process of handling bad debt.

A number of commercial banks will be refinancing loan money plain VAMC's special bond with the duration of 6 months, the interest rate at about 4.5% annually, discounted by 50% of the face value of the bonds. This means that if the mortgage bank by 1,000 billion face value of bonds in particular are borrowed 500 billion.

Currently VAMC received quite a lot of refinancing mortgage loans suggested by special bonds of banks based in Hanoi and the South. According to Hung-VAMC President said they would be willing to meet legitimate proposal of the credit organization.

Hung also said more banks will be refinancing loans by special bonds differently depending on home mortgage refinance the condition of individual banks, based on monetary policy, the balance money supply and can attached the condition that Bank must collect about how.

Earlier in the circular 20/2013, the State Bank has stipulated, refinancing rates for credit institutions will be based on the basis of special bonds face value due to State Bank Governor decided based on the goal of monetary policy, the operating results of extract formed reserve mortgage information risks for special bonds and bad debt processing results but not exceeding 70% in comparison with the denomination of special bonds.

Refinancing mortgage interest rate for credit institutions by the Prime Minister to decide in each period. Refinancing interest overdue by 150% refinancing interest rate credited on credit contracts between State Bank and credit institutions. The term refinance under 12 months but not exceeding the remainder of the term of special bonds.

Although the State Bank allowed commercial banks are refinancing loan from the VAMC's special bond from long, however to date needs refinancing mortgage by the new VAMC bonds arises.

According to the World Bank by this point, some banks lack liquidity locally plus the speed of credit flows to the market rise sharply should make new commercial banks arise needs refinancing  a mortgage with bonds VAMC.

Proposed incorporation of house mortgage loan

The experts proposed home mortgage company, the national housing mortgage to handle real estate inventories, forms the housing market for low income people and solve the problems of medium and long-term capital for real estate market.

This is a proposal in the research report of the Research Centre, the Investment Bank and development of Vietnam (BIDV). The research group for that model the company re-for the national housing mortgage loans Malaysia's Cagamas is considered the secondary mortgage models are the most successful in the developing countries and can learn and apply in Vietnam market.

According to the website of Cagamas Berhad, the company founded in 1986 to promote the secondary housing market in Malaysia. Cagamas models are the World Bank regarded as success in building the necessary institutional liquidity for the secondary mortgage market. Cagamas issued debt to obtain capital and then used this capital to buy resale, support the debts mortgage home purchase loan for the Bank as well as for people buying a home (choice). The company is currently the second largest debt issuer after the Malaysian Government and we took 41% of the market share of the country's housing finance.

Condition of Vietnam, the author of BIDV research for that company can mobilize and use ODA loans, issuing Government-guaranteed bonds to obtain working capital loan, buy back home loans can have a duration of up to several dozen years from financial institutions on the primary mortgage market release of securities based on mortgage loans to housing (securitization of housing mortgage loans) and thus perform the function of a channel leads from the medium and long term equity capital to the mortgage market.

The company also helps solve the problem of bringing the supply of refinance home mortgage in long-term capital for real estate markets are lacking at present, development of long term financial market for housing, is the tool of the Government to support the groups struggling for housing.

This research group said that international experience showed that, in order to develop the market for mortgage loans, the countries established financial institutions of special housing make the refinance mortgage to increase liquidity and expand the market for mortgage loans beginner. If operational, corporate home loan mortgage in the country will reduce the difficulty for the real estate market.