kvnm_Hero_banner on PC  
kvnm_Hero_banner on Mobile  

KBank Secured Business Loan Highlight Features

 
Attractive Interest Rate

Enjoy affordable rates for your financial needs, starting from 6.50%.

Preferable Loan

Get up to 5 Billion VND, 80% of asset value, and terms up to 7 years!

Free Fire Insurance

Protect your asset with our complimentary.
No hidden forced sales for additional insurance.

 
 

Grow Your Business with a Well-Planned Capital Funding

Whether you're expanding your business, buying new equipment, finding a new shop house, or preparing your stock inventory, KBank Secured Business Loans always support your business.

Product Details
Loan typeThe KBank Secured Business Loan is a collateral-backed term loan designed for shop owners and merchants enhance liquidity and expand their business.
Loan amount
  • Loan Amount is up to 80% of asset value
  • Maximum 5 billion VND
TenorLoan tenor up to 84 months
Eligible customer
  • Applicant must be a Vietnamese resident only, age 20 to not exceed age 60 at loan maturity
  • Maximum 2 borrowers, and co-borrower must be immediate family member
Collateral
  • The collateral which has Land Use Right Certificate ready such as condominium, single house, townhouse, townhome, shophouse
  • Collateral can be owned by borrower or immediate family members
  • Collateral area must be in HCMC, Binh Duong, Bien Hoa, Vung Tau, Long An, and Dong Nai within up to 200km radius from District 1, HCMC
Business experienceThe owner must have a Household Business Registration Certificate that was issued at least one year ago.
Business establishmentCurrent business address is in HCMC or surroundings within 200 km radius from District 1, HCMC
 

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

10%

Monthly Installment

83,214,000 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
 
Contact sales

4 Steps How To Apply KBank Secured Business Loan

 
1

Contact KBank professional

Contact Sales
(028) 3821 8888
2

Submit documents

3

Get approval result

4

Mortgage and get disbursement

Product Details

 
Learn the Product Details of KBank Secured Business Loan to Support Your Purpose


Product Feature Highlight
KBank Secured Business Loan is the “Term Loan” backed by “Collateral”. Shop owners/Merchants can use this loan to increase liquidity and expand their business, e.g. purchasing new shop, machine and equipment, shop’s decoration or renovation and other business purposes.
  • Loan Amount is up 80% of asset value, 5 billion VND.
  • Loan Tenor up to 84 months

Collateral Conditions
  • The collateral which has Land Use Right Certificate ready such as condominium, single house, townhouse, townhome, shophouse
  • Collateral can be owned by borrower or immediate family members
  • Collateral area must be 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 age 60 at loan maturity
  • Have the Household Business Registration Certificate with the registration date at least 1 year ago
  • Current business address is in HCMC or surroundings within 200 km radius from District 1, HCMC
  • Maximum 2 borrowers, and co-borrower must be immediate family member
Pricing and Fee
 
Interest Rates:
  • Option 1: 6.50% fixed for first 12 months
  • Option 2: 7.10% fixed for first 24 months
  • Option 3: 7.20% fixed for first 36 months
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 2.00% 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.)
Documents Required
  • Citizen identification card
  • Single or Marriage certificate
  • Confirmation of residence information – VNeID
  • Proof of business – Business Registration Certificate
  • Proof of income – Bank Statement for latest 6 months, Business Tax Submission Notice, Tax Payment Receipt
  • Evidence of collateral ownership
  • Loan Purpose Documents
  • Business and Fund Usage Plan

Download Other documents

 
KBank Secured Business Loan Product Factsheet
General Terms and Condition of Loan Agreement

FAQ

 
Q: Can I apply for a loan with a co-borrower? How many co-borrowers can KBank accept?
  • Yes, you can apply for a loan with a co-borrower. We allow a maximum of 2 borrowers per loan application.
  • The co-borrower must be an immediate family member.
Q: What types of collateral can KBank accept?
  • Title deed ready: condominium, single house, townhouse, townhome and shophouse.
Q: How many types of fees do I need to pay for the mortgage process?
  • Appraisal Fee
  • Notarization Fee
  • Mortgage Registration Fee
  • Legal Fee
Q: Does the Bank require to buy insurance during the loan tenor?
  • It is essential to purchase fire insurance to safeguard the collateral for your loan throughout the entire loan period. As a special promotion from KBank, we are pleased to offer you free of property fire insurance. This coverage fully protects 100% of your loan balance or the building's value, whichever is lower.
Q: How do I repay monthly installments?
  • On regular repayment dates, KBank’s system will automatically deduct money from your designated account. Please maintain a sufficient balance for repayment in this account.