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Home loan
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Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line
of Credit, Home Loan, Housing Loan, Real Estate Leasing, Real Estate
Loan |
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Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line
of Credit |
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A Home loan is the generally term for a loan.
A home loan uses your home as security. It uses the net value of your
property as security for the loan.
Home loan program could of different types you have choose the right Home
Loan. Home Loan Includes Home equity Loan, Home Improvement Loan, Home
equity Line of credit.
Home loan rates are variable, depending on status. Monthly repayments will
depend on the amount borrowed and term. For many billions of People, the
single greatest achievement in life was to own a home, and thanks to a range
of banking services now available, home loans are a simple affair now. In
fact, home loans are now sold as a product and the applicant is treated like
a consumer. Gone are the days when ordinary folk depended on a lifetime of
savings and resorted to the local moneylender to build or buy a house. Home
loans make it possible to move into your own home, almost as soon as you can
afford the down-payment and keep paying for it while you also live in it.
But the home loan is actually a mortgage and you could lose the home in case
of repeated default.
Most banks have standard guidelines for applying for a home loan and a set
of rules, which may vary, from one finance institution to the other.
The term of the loan may range from one year to thirty years, with varying
interest rates. The longer the term, the higher the interest charged,
usually. However, having decided on a longer term, a pre-payment of the loan
also leads to pre-payment penalty - which usually ranges from one to two
percent.
For instance, most home loan applicants have to be between twenty-one and
fifty-eight years of age, or at least the guarantor has to be. There may be
age limit extensions of government employees or self-employed people who
will not be forced to retire at sixty.
Applicants for home loans must prove to be credit-worthy before a loan is
sanctioned by the bank or the finance institution concerned. For one, they
will demand to see proof of income or some proof that the applicant - now
referred to as a consumer - has the resources to repay the loan. The EMI, or
the monthly installments, will be a certain percentage of your income.
Taking a home loan also has tax advantages, which makes it a doubly good
investment, as compared to other conventional forms of savings. |
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ABN AMRO
162 Pasteur St, Dist.1, HCM City
Tel: (8) 822-2992. Fax: (4) 829-7204 |
DEUTSCHE BANK AG
174 Nguyen Šinh Chieu St, Dist. 3, HCM City
Tel: (8) 822-2747. Fax: (8) 822-2760 |
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ACB BANK
442 Nguyen Thi Minh Khai St, Dist.3, HCM City
Tel: (8) 833-4085. Fax: (4) 839-9885 |
ACB BANK
184-186 Ba Trieu Street, Hanoi Capital
Tel : (4) 943-3508 |
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ANZ BANK
11 Me Linh Square, District.1, HochiMinh City
Tel : (8) 829-9319. Fax: (8) 848-8299 |
ANZ BANK
14 Le Thai To Street, Hanoi Capital.
Tel: (4) 825-8190. Fax: (4) 825-8188 |
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BANGKOK BANK
41B Ly Thai To Street, Hanoi
Tel: (8) 826-0866. Fax: (4) 826-7397 |
THAI MILITARY BANK
11 Ben Chuong Duong St, Dist.1, HCM City Open Monday-Friday: 8 am - 3:30
pm |
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BANK NATIONAL DE PARIS (BNP)
02 Thi Sach Street, Dist.1, HCM City
Tel: (8) 829-9504. Fax: (8) 829-8666 |
DAI-ICHI KANGYO BANK
5 B Ton Šuc Thang St, Dist.1, HCM City
Tel: (8) 822-8638. Fax: (8) 822-8640 |
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BANK OF AMERICA
01 Phung Khac Khoan St, Dist. 1, HCM City
Tel: (8) 829-9928 ext 155. Fax: (8) 829-9942 |
BANK OF AMERICA
27 Ly Thuong Kiet St, Hnoi Capital
Tel: (4) 825-0003. Fax: (4) 824-9322
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BFCE
11 Me Linh Square, Dist. 1, HCM City
Tel: (8) 829-6495. Fax: (8) 829-9126 |
CHINFON COMMERCIAL BANK
55 Quang Trung Street, Hanoi Capital
Tel: (4) 825-0555. Fax: (4) 825-0566 |
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BARCLAYS BANK
33 A Pham Ngu Lao Street, Hanoi Capital
Tel: (4) 825-0907. Fax: (4) 825-0789 |
STATE BANK OF INDIA
41 Nguyen Thi Minh Khai St, Dist.1, HCM City
Tel: (8) 822-4205. Fax: (8) 822-4202 |
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CITY BANK
15th Floor, 115 Nguyen Hue Blvd, HCM City
Tel: (8) 824-2118. Fax: (8) 824-2267 |
CITY BANK
2nd Floor, 17 Ngo Quyen Street, Hanoi Capital
Tel: (4) 825-1950. Fax: (4) 824-3960 |
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CREDIT LYONNAIS
65 Nguyen Du St, 4th Fl, Dist.1, HCM City
Tel: (8) 829-9226. Fax: (8) 829-6465 |
CREDIT LYONNAIS
10 Trang Thi Street, Hanoi Capital
Tel: (4) 825-8102. Fax: (8) 826-0080 |
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FIRST VINA BANK
3-5 Ho Tung Mau Street, District.1, HCM City
Tel: (8) 829-1581. Fax: (8) 829-1583 |
SACOM BANK (Head Quarter)
600 Nguyen Chi Thanh St, Dist.11, HCM City
Tel : (8) 857-9156, 855-1617. Fax:: (8) 855-1622 |
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GENERAL BANK
16th Fl, #1605, 2A-4A Ton Šuc Thang St, Dist.1
Tel: (8) 829-4503. Fax: (8) 829-4505 |
SACOMBANK
211 Nguyen Thai Hoc Street, Dist.1, HCM City
Tel: (8) 836-8607, 835-5607. Fax: (8) 835-5598 |
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HSBC BANK ( Hongkong Bank )
235 Šong Khoi Street, HochiMinh City
Tel: (8) 829-2288. Fax: (8) 823-0530 |
HSBC BANK
Suite 1401, Level 14 Vietcombank Tower 198 Tran Quang Khai Street, Hanoi
Tel: (4) 826-9994. Fax: (4) 826-9991 |
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IMCOMBANK
79 A Ham Nghi Boulevard, Dist. 1, HCM City
Tel: (8) 829-0491. Fax: (8) 829-5342 |
SACOMBANK ( Cho Lon Branch )
1-3 Hau Giang St, Dist.6, HCM City
Tel : (8) 855-3764. Fax: (8) 855-6467 |
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INDOVINA BANK
36 Ton That Šam Street, District.1,HCM City
Tel: (8) 822-4995. Fax: (8) 823-0131 |
INDOVINA BANK
88 Hai Ba Trung Street, Hanoi Capital
Tel: (4) 826-5516. Fax: (4) 826-6320 |
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INDUSTRIAL & COMMERCIAL BANK
46 - 48 Hoa Binh Square, Dalat City
Tel : 822 - 364 |
SACOMBANK ( Thanh Cong Branch )
46-48 Tran Hung Šao Blvd, Dist.5, HCM City
Tel : (8) 835-8019. Fax: (8) 835-2371 |
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INDUSTRIAL & COMMERCIAL BANK OF VN
79A Ham Nghi Boulevard, Dist.1, HCM City
Tel: (8) 829-7266 |
INDUSTRIAL & COMMERCIAL BANK OF VN
16 Phan Šinh Phung Street, Hanoi Capital
Tel: (4) 823-2008. Fax: (4) 823-3452 |
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ING BANK
136 Nam Ky Khoi Nghia St, Dist.1, HCM City
Tel : (8) 824-1500 |
SACOMBANK ( Go Vap Branch )
94-96-98 Nguyen Oanh St, Go Vap Dist., HCM City
Tel : (8) 894-3648 /-2240. Fax: (8) 894-1918 |
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INT. COMMERCIAL BANK OF CHINA
5 B Ton Šuc Thang Street, Dist.1, HCM City
Tel: (8) 822-5697. Fax: (8) 822-5698 |
SACOMBANK ( Tan Binh Branch )
125 Cach Mang Thang Tam St, Tan Binh Dist.
Tel : (8) 864-4681, 864-0309. Fax: (8) 864-1151 |
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NATIONAL BANK OF KUWAIT
69 Vo Van Tan Street, Dist.3, HCM City
Tel: (8) 824-3944. Fax: (8) 824-3945 |
SACOMBANK ( Hanoi Branch )
65 Ngo Thi Nham St, Hai Ba Trung Ward, Hanoi
Tel : (4) 826-7739, 826-0503. Fax: (4) 826-0263 |
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STANDARD CHARTERED BANK
3rd Fl, #302, Šong Khoi St, Dist.1, HCM City
Tel: (8) 829-8335 . Fax: (8) 829-8426 |
STANDARD CHARTERED
27 Ly Thai To Street, Hanoi Capital
Tel: (4) 825-8970. Fax: (4) 825-8880 |
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VIETCOMBANK
198 Tran Quang Khai St, Hanoi Capital
Tel : (4) 826-9994. Fax: (4) 826-9991 |
VIETCOMBANK
29 Ben Chuong Duong, Dist.1, HCM City
Tel: (8) 823-0310. Fax: (8) 829-7228 |
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VIETINCOMBANK
10 Le Loi Street, Hanoi Capital
Tel : (4) |
VIETCOMBANK
BRANCH NO.1 175 Šong Khoi Street, Dist.1, HCM City
Tel: (8) 823-0214 |
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TACOMBANK
31 Bui Vien Street, District.1, HochiMinh City
Tel : (8) |
VIETCOMBANK
BRANCH NO.2 08 Nguyen Hue Boulevard, Dist.1, HCM City
Tel: (8) 824-2867 |
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THE BANK OF EAST ASIA LTD,
15th Fl, 8 Nguyen Hue Blvd, Dist.1, HCM City
Tel: (8) 822-8256. Fax: (8) 822-8258 |
VIETCOMBANK
BRANCH NO.3 69 Bui Thi Xuan Street, Dist.1, HCM City
Tel: (8) 835-9743- 835-9323 |
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UNITED OVERSEA BANK
1st Floor, 17 Le Duan Blvd, Dist.1, HCM City
Tel: (8) 825-1424. Fax: (8) 825-1423 |
KRASBANK
Rep Office 37 Ton Šuc Thang St, # 1604, Dist.1, HCM City
Tel: (8) 910-4505. Fax: (8) 910-4504 |
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VIETNAM BANK FOR AGRICULTURE
50 Ben Chuong Duong, Dist.1, HCM City
Tel: (8) 829-3516 |
VIETNAM BANK FOR AGRICULTURE
4 Pham Ngoc Thach St, Šong Ša Ward, Hanoi
Tel : (4) 825-5374 |
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VIP PUBLIC BANK
15A Ben Chuong Duong St, Dist.1, HCM City
Tel: (8) 822-3583. Fax: (8) 822-3612 |
VIP PUBLIC BANK
194 Tran Quang Khai Street, Hanoi Capital
Tel: (4) 826-8307. Fax: (4) 826-6965 |
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VN BANK FOR INVESTMENT & DEVELOPMENT
134 Nguyen Cong Tru St, Dist.1, HCM City
Tel: (8) 823-0125 |
VN BANK FOR INVESTMENT & DEVELOPMENT
194 Tran Quang Khai Street, Hanoi Capital
Tel: (8) 826-6963 |
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VIETCOMBANK
BRANCH NO.4 129 A Hau Giang Street, Dist.6, HCM City
Tel: (8) 857-6217, 857-6218 |
VIETCOMBANK
BRANCH NO.5 43 Truong Son, Tan Binh Dist., HCM City
Tel: (8) 885-0208 |
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Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line
of Credit |
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