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Vay mua nhà are a form of loan that many customers find and use when borrowers have financial difficulties in the home buying process. One reason for this form of loan is favored by the diverse loan regimes suitable to the economic conditions of each different type of customers, low-income families can still get loans with interest rates. short.
Because there are many different loan levels, the interest rate for each customer will also vary (depending on the loan level). For unsecured borrowers, the bank will not require additional collateral conditions, however, the loan limit will be lower and the interest rate will be higher than the mortgage loan. Often, customers choose to borrow to reduce the cost of paying interest and the repayment period is also more flexible with the borrower's ability.
In general, the form of vay mua nhà at banks now is not restricted to lenders but also provides opportunities to provide loans with low interest rates. However, in order for a successful application process, customers must meet the following prerequisites:
Being a Vietnamese worker, over 18 years old, still fully aware and have a stable job with a salary of 5 million VND per month.
Mortgages will increase the likelihood of bank approval because that is the main belief that helps the bank license you to buy a vay mua nhà.
Not listed in the list of bad debt list. There will be a system of interconnection between banks, if you are in the bad debt group, the bank will be alert and consider the level you owe and decide whether or not to grant it. In this case, it will be difficult for borrowers to borrow capital ....
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