Skip Ribbon Commands
Skip to main content
Personal
About Us Global Network

K-Contact Center Vietnam

Phone(028) 3821 8888

menu
Kasikorn Bank
  • Product - KBank Home Loan for Renovation and Decoration (Top-up Loan)
kvnm_Hero_banner on PC 
kvnm_Hero_banner on Mobile

KBank Home Loan: Up to 30-Year Term with Monthly Installments

KBank Home Loan Refinance – Borrowing to Repay Your Home Loan at Another Bank with a Fixed 3-Year Rate


Contact Sales
Home Loan for Renovation and Decoration (Top-Up Loan) is additional loan amount against your property for home improvement without paying a large amount upfront, while keeping monthly repayments manageable.

Looking to upgrade your home?

Additional credit support to make your dream home a reality

Extra Loan amount straightaway

Loan limits up to 100% of the total cost reimbursement or directly pay to service provider

Lower interest Rate

Easy to control your cash flow with lower interest rate than other loan type

Product Features

  • Eligible loan purposes include:
    • Renovation: For repairing, upgrading, or improving an existing property, including structural changes, replacements, or enhancements that improve its functionality.
    • Decoration: For enhancing the appearance, interior design, aesthetic features of a property without altering its structure or functionality and home utilities
  • Loan amount ranges from 100 million to 10 billion VND (as Top-up loan amount on your current home loan)
  • Maximum loan-to-value (LTV) up to 80% of collateral value when combine with home purchasing loan
  • Loan tenor:
    • Renovation: 61 - 360 months
    • Decoration: 13 - 360 months
  • Loan repayment: Equated Monthly Installment (EMI), making it easier to plan cash flow
  • Loan disbursement options:

Loan PurposeDisbursement
RenovationReimbursement paid service or product to customer or relative’s account
DecorationBoth Unpaid service or product to Seller and Reimbursement paid service or product to customer or relative’s account

Calculate Your Monthly Repayment
Your renovation and decoration amount
Please enter the loan amount 100,000,000 - 10,000,000,000 VND
VND
Number of loan months
Please enter the number of loan months (13 - 360)
Months
Fixed interest rate options
Interest Rate
Please enter Interest Rate (≤ 100%)
%/Year
Calculate
Clear
*Note: The above monthly installment calculation is for reference only. There may be slight deviations from the actual result when the customer uses the service.
Your Monthly Installment
Total Loan Amount:0 VND
Loan period:0 Months
Interest rate:0 %/Year
Monthly Repayment Amount
0
VND / Month
View Repayment Schedule
Eligibility
  • An existing KBank Home Loan customer under KBank’s conditions or a new customer who have applied Home Loan or Borrowing to Repay Home Loan at Another Bank loan
  • The Vietnamese citizens with current residence in Ho Chi Minh City, Dong Nai or Tay Ninh
  • Age of the borrower including loan tenor: From 20 to 70 years
  • An office worker who is working in private company that located in Ho Chi Minh City, Dong Nai and Tay Ninh
  • Total working experience more than 1 year
  • Passed probationary period at current workplace
  • Total monthly income (all borrowers) more than 20 million VND
  • Collateral must be supported by a valid LURC and located in Ho Chi Minh City, Dong Nai or Tay Ninh
Interest Rates

Interest rate options available as below:
  • Fixed 2 Years: 8.50% per year
  • Fixed 3 Years: 8.55% per year (The best selling option)

  • After the fixed interest rate period, the floating interest rate will be applied by using averaged 4 Banks’ 12-Month Term Deposit Rate of Vietcombank, BIDV, VietinBank, and Agribank plus 6.30% (no minimum)

    *Announcement date 01/05/2026, until changed by KBank Vietnam announcement
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 3rd year: waived

  • Fee for procession title deed borrowing (e.g., for visa interview): 2,000,000 VND (non-VAT) per transaction

  • Fee for copy of title deed (legal fee and notarized service fee are excluded): 100,000 VND per document (non-VAT)

  • *Announcement date 01/06/2025, until changed by KBank Vietnam announcement
Documents
DocumentsDownload
KBank Home Loan: Home Loan for Renovation and Decoration Factsheet Download
KBank Home Loan: Interest Rate Calculation Download
KBank Home Loan: Application Form Download
General Terms of Loan Agreement Download
Contact Sales

Steps to Apply for
KBank Home Loan
 
 
 

Finding your home loan?
Our team is here to help
Let us contact you

Disclaimer
  1. I hereby give my explicit, voluntary, affirmative, and consent for KASIKORNBANK PUBLIC COMPANY LIMITED - HO CHI MINH CITY BRANCH (“KBank”) to contact my basic personal data above for KBank products and services via email and phone. I also acknowledge that I have read, understood, and understand Personal Data Protection Policy Notice. Moreover, I agree that KBank may transfer and disclose any information provided to KBank's affiliates/subsidiaries and any sub-contractors/agents for the same purpose whether in Vietnam or oversea. I acknowledge and confirm that my personal information filled in this form are true, complete, accurate and updated. For more information, please contact K-Contact Center at tel. +8428 3821 8888.
  2. In the event that I disclose another person's personal data to KBank for the aforementioned purposes, I represent and warrant to KBank that I have obtained consent from such person or has a legal basis to disclose such person's personal data to KBank and has informed such person of the details of the collection, use and/or disclosure of personal data and the aforementioned Personal Data Protection Policy Notice. I will indemnify KBank for any cost, charge, damages, expenses or loss incurred to KBank due to my failure to comply with this provision.

FAQ

What is KBank Home Loan for Renovation and Decoration ?
  • KBank Home Loan for Renovation and Decoration (Top-up Loan) is a secured loan provided by KBank Vietnam for a salary earner working in private company and living in Ho Chi Minh City, Dong Nai and Tay Ninh. Our product is designed for homebuyers and existing mortgage holders who want an additional funding for home upgrades.
What documentation is required for each Home Loan for Renovation and Decoration purpose ?
Other than identity and financial documents, the following items are required:
  • Renovation: Copy of Land Use Rights Certificate of Renovated home, Copy of signed Renovation Contract and/or paid invoices issued within the last 12 months (applicable only paid transactions)
  • Decoration: Copy of Land Use Rights Certificate of decorated home, Copy of Sales Quotation or Purchase Order or Contract, (applicable to both paid and pending transactions)
What are the disbursement methods?
  • Funds can be disbursed one-time directly to Seller, Service provider, Customer. We also support reimbursements to customers or their relatives upon submission of valid receipts.
Can I combine this with a home purchase loan?
  • Yes. You can apply for renovation and decoration as a "top-up" simultaneously with your home purchase loan.
What is the eligible timeframe for each purpose expenses?
  • Renovation: Expenses must have been incurred within 12 months prior to the loan application date.
  • Decoration: We accept both planned future purchases and past expenses incurred within the last 12 months.