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Kasikorn Bank

KBank Secured Business Loan
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​Product ​Features​

Bill Payment & Top-up  ​

Loan limit

0.7-10.0 Billion VND

Bill Payment & Top-up​  ​

Loan amount up to

80% of Collateral Value​

Bill Payment & Top-up  

Loan tenor up to

30 years

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Bill Payment & Top-up  

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xxxxx

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KBank Secured Business Loan

Biz Loan

Loan Simulation

Use the loan calculation to determine your monthly payments for KBank Secured Business Loan. Input your desired loan amount and term to see estimated monthly installment.

Loan Amount

5 billion VND

Term

84 Months

Interest Rate

5%

Monthly Installment

VND

*Note: The above monthly installment calculation information is for reference only, and there may be a slight deviation from the actual calculation result when customer use the service at KBank Secured Business Loan.

Prod​uct Details

Learn the Product Details of KBank Home Loan to Support Your Purpose

Product Features

  • Loan amount is up to 80% of collateral value.
  • Loan term is more than 5 years and up to 30 years
  • Credit limit between 0.7-10.0 billion VND
  • Free! Property fire insurance is covered by KBank, which is protected by 100% of the loan balance or building value whichever is lower

Collateral Conditions

  • Loan limited to Condominium, Single house, Town house, Town home, Shop house with ownership of land-use-right certificate (pink book).​
  • Collateral owned by the borrower or the relatives
  • Collateral area based in HCMC, Binh Duong, Bien Hoa, Vung Tau, Long An, and Dong Nai within up to 200km radius from District 1, HCMC

Eligibility Criteria

  • Applicant must be a Vietnamese resident only, age 20 to not exceed 60 at loan maturity
  • Total working experience must be at least 1 year
  • Have a stable income of 20,000,000 VND/month or more
  • Current working address is in HCMC or surrounding within 200 km
  • Maximum 4 co-borrowers and co-borrowers must be immediate family members

Documents​

  • Copy of National ID Card
  • Certificate of residence
  • VNeID
  • Single or married certificate
  • Birth certificate (only for joint plan)
  • Bank statement 6 months
  • Employment Contract including salary OR/Certificate of employment including salary
  • Social Insurance

Interest Rates 

  • Option 1: Fixed 5.85% interest rate for the first year
  • Option 2: Fixed 6.00% interest rate for the first ​2 years
  • Option 3: Fixed 6.2​​5% interest rate for the first 3 years
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After the fixed interest period, the floating interest rate will be applied using averaged 12-month term deposit rate for individual account of 4 state-owned banks (BIDV, Agribank, Vietcombank, VietinBank) plus the spread margin determined by KBank.

(The above interest rates are for reference only and may change from time to time.)

Fee and Charges

  • Early repayment fee:
    1st year 2.50% of paid principal amount
    2nd year 1.50% of paid principal amount
    3rd year 1.00% of paid principal amount

    After that, waived
  • Fee for procession title deed borrowing (e.g., for visa interview): 2.0 million VND (non-VAT) per transaction
  • Fee for certificated true copy of title deed: 0.1 million VND (non-VAT) per document
(Fees are only for reference and subject to changes from time to time.)

Download File​

DocumentFileDownload
KBank Secure Loan Factsheet
PDF 100 KB
​General Terms and Conditions of Loan Agreement​
PDF​ 100 KB​​
​

Frequently Asked Questions

How many types of home loan being offered by KBank?
What type of collateral that KBank can accept?
What is the maximum amount that I can borrow?
What is the loan tenor that I can apply for?
What are required documents that I must prepare for the loan application?
Do I have to buy insurance during the loan tenor?
How does the bank identify the value of my property? Can I choose my preferred valuation company?
If I already have a personal account at KBank, will my monthly installments be automatically deducted from this account, or do I have to manually transfer money to my borrowing account?
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