Customers who are private enterprise owners, self-employed individuals, or household business representatives, belonging to the Affluent customer segment under MSB regulations. At least 24 months of experience in real estate business.
The loan limit depends on the purpose of financing: Purchase/transfer of factories: up to VND 50 billion. Construction or renovation of factories: up to VND 20 billion. Purchase of machinery, equipment, or transport vehicles: up to VND 8 billion.
Customers pay interest monthly. The principal repayment is flexible, aligned with the customer’s cash flow and may be paid monthly or every 2–3–4 months.
The loan may be used for business-related purposes, including: Purchasing or transferring real estate/factories used as business premises. Constructing or renovating real estate/factories used as business premises. Purchasing machinery, equipment, or transport vehicles. Refinancing loans for eligible business purposes.
The product is designed for individuals engaged in business activities, including self-employed individuals, household business representatives, or private enterprise owners.
This is a repayment method in which the principal is paid in equal installments monthly or every 2–3 months, while interest is calculated based on the outstanding principal balance.
Yes. Customers may repay part or all of the loan principal before maturity depending on their financial situation. Early repayment fees are calculated based on the prepaid principal amount; however, most MSB interest rate packages waive early repayment fees from the fifth year onward.
This is a financing method whereby MSB transfers the loan amount to the seller’s account or the account of a person authorized by the seller and places the funds under hold. The funds will be released once the sale and purchase contract is notarized/certified or once the ownership transfer of the property certificate has been […]
Yes. MSB supports financing for customers purchasing project-based real estate (partnered with MSB) that has not yet been issued a certificate, or properties that already have a certificate but have not completed the ownership transfer procedures. In such cases, the collateral is considered an asset formed from the loan proceeds.
Customers are required to pay the collateral valuation fee, based on which MSB determines the loan amount according to the value of the collateral. This fee is paid when submitting the loan application documents to the Bank. Once the loan is approved, customers must prepare the notarization fee for the security agreement and the collateral […]