Contact us

Our Business
Development Officers:

  • 0933 807 800
  • 0906 933 499
  • 0906 933 566
  • 0906 933 252
  • 0906 933 344
  • 0906 933 288
  • 0906 933 299
  • 0906 910 505
  • 0906 304 774

FAQs – Home Loan

1. What is the maximum loan term that Commonwealth Bank of Australia – Ho Chi Minh City Branch offers for a home loan?

Currently, you can enjoy a term of up to 25 years with us.

2. What is the maximum amount I can borrow?

You can borrow up to 75% of the mortgaged property’s value. Once you submit your full application, we will assess your specific financial position and confirm the loan amount and term you have requested. In addition, our Business Development Managers will help you develop a detailed and suitable repayment plan.

3. What are the acceptable home loan purposes?

Owner occupy, Investment (leasing) purpose and House construction.

4. Though I’ve been living and working in Ho Chi Minh City, I do not have a permanent household registration book. Would I be able to apply for a home loan with Commonwealth Bank of Australia – Ho Chi Minh City Branch?

You can submit a temporary residence book (KT3) together with other required documents in your home loan application package.

5. Can I use my relative’s property registered in form of red book or pink book as security for my home loan?

According to Commonwealth Bank of Australia – Ho Chi Minh City Branch’s current terms and conditions for home loan, you can use properties registered in form of red book or pink book under your legal ownership or guaranteed by qualified third parties (parents, immediate brothers/sisters and spouse) or the property you are going to buy as security for your loan.

6. Can I mortgage an under-construction apartment for a loan with the bank?

With our apartment lending program, you can secure your under-construction apartment as collaterals to borrow up to 60% property value for 20 years.

7. How would Commonwealth Bank of Australia – Ho Chi Minh City Branch value my properties when I use them as collateral?

Your properties will be assessed and valued by a prestige and independent valuator to guarantee the objectivity and accuracy of this process. Subject to the results of valuation, we will then carry out the approval and disbursement procedures.

8. Can I completely pay out my home loan before its redemption?

You can pay out your loan whenever you wish to.

9. How can I prove my repayment capacity?
  • Labor contract + 3 latest pay slips/bank statements of the last 3 months and/or
  • Rental contract and/or bank statement and/or
  • Business reports and annual financial statements of the last two years (for business owner or business customer whose income is used for repayment purpose)
10. How would Commonwealth Bank of Australia – Ho Chi Minh City Branch disburse my approved home loan?

Subject to the purpose of the borrowing, we have 3 options for our customers: cash, credit into your account with us and bank transfer directly to the house/property seller’s account.

FAQs – Vehicle Loan

1. What is the maximum loan term that Commonwealth Bank of Australia – Ho Chi Minh City Branch offers for a vehicle loan?

Currently, you can enjoy a term of up to 4 years with us.

2. What is the maximum amount I can borrow?

You can borrow up to 70% of the car’s value. Once you submit your full application, we will assess your specific financial position and confirm the loan amount and term you have requested. In addition, our Business Development Managers will help you develop a detailed and suitable repayment plan.

3. What are acceptable vehicle loan purposes?

Personal use and supporting business purposes.

4. How can I prove my repayment capacity?
  • Labor contract + 3 latest pay slips/bank statements of the last 3 months and/or
  • Rental contract and/or bank statement and/or
  • Business reports and annual financial statements of the last two years (for business owner or business customer whose income is used for repayment purpose)
5. How would Commonwealth Bank of Australia – Ho Chi Minh City Branch disburse my approved car loan?

Subject to the purpose of the borrowing, we have 3 options for our customers: cash, credit into your account with us and bank transfer directly to the car seller’s account.

FAQs – Flexi Loan

1. What are acceptable flexi loan purposes?

Various purposes are legally acceptable except for equity trading purpose.

2. What is the maximum loan term for a Flexi loan?

Currently, you can enjoy a term of up to 5 years with us.

3. What type of collaterals is acceptable for my flexi loan?

We accept the following collaterals:

  • Property (with land/house use right certificates – in form of red books or pink books)