UOB HomeStar

Currently, UOB Vietnam ("UOBV" or the "Bank") is providing two main types of loans as follows:
1. Home Loan: The collateral is also purchasing house/apartment.
2. Loan Against Property (LAP): The collateral is real estate which is under your title and/or ownership of your relatives and the Loan is used for the purposes specified by UOBV and in accordance with the provisions of the applicable regulations.

Loan amount will be reviewed and approved mainly based on income condition, other financial obligations and credit history of Customer. The maximum loan amount is up to 80% of the assessed value of the mortgaged property depending on the type of loan.

Up to 30 years for a home loan and up to 15 years for a LAP. However, the maximum loan term for each case  will depend on the age of the customer (the maximum age at the end of the loan contract is 65 years old depending on the type of customer).

Please access the link: https://forms.uob.com.vn/appforms/mortgage-form/index.page and leave information or Please contact us at 1800-599 -921 so that we can give you specific advice

Fees that you'' to pay to the related parties will include:
1. Valuation Fee min around VND2mil (VAT not included and subject to independent valuer and the fee depending on the location of the collateral).
2. Other fees related to collateral registration/asset security transaction registration (depending on the independent service provider and the fee depending on the place of registration).
3. Notarization fees/fees/guarantee transaction registration according to the State's regulations.
4. Other fees. (If any)

Basic, customer need to provide legal documents, income documents, collateral and loan purpose documents. Other docs (if any) depends on each loan application.

Please visit the link: https://forms.uob.com.vn/appforms/mortgage-form/index.page and leave information or Please contact us at 1800-599-921 so that we can give you specific advice.

Before having the Loan disbursed, you are required to buy fire/explosion insurance for your house/apartment with a minimum term of certain years. And during the remaining loan period, you must continuously maintain insurance as agreed in the contract. The insurance policy (in which UOB Vietnam is specified as the beneficiary) must be issued by one of the insurance companies accepted by UOBV according to the list uploaded on the website via the link: https://www.uob.com.vn/personal/borrow/home-finance/private-home-loan.page

After you provide all documents required by the Bank, your application will go through basic steps including collateral valuation, credit appraisal, loan confirmation, notarization, registration of secured transactions and disbursement. During the processing of documents, the Bank staff will always accompany you and be ready to assist you in case of any problems.

Within 3 working days from the date when the Bank successfully collects the mortgage loan.

The value of your collateral will be assessed by a Valuation Company appointed by the Bank. To ensure independence and objectivity, the valuation company is randomly selected by the Bank and you cannot interfere in this selection process.

In case the customer has only 1 currrent account and 1 loan account at the Bank, the monthly installments will be automatically deducted from this current account.
In other cases, please refer to the instructions of the monthly debt reminder SMS message (Amount to be paid, Account number to be transferred in).

You can make early repayment (partial or full). Customer need to fulfill Early Repayment form and submit to Bank. The T&Cs for early repayment pls refer to Facility Agreement. 

Depending on the number of overdue days, UOBV will classify your loan into different credit debt groups and report to the National Credit Information Center of Vietnam (CIC). This may impact to your credit prestige  and cause  the potential rejected/ low approval rate from UOBV or other banks.

Pls refer to Facility Agreement. Besides, Every month UOBV will send SMS to the registered mobile phone number to remind about the debt repayment obligation (5 days before the due date) with the content: due date, amount to be paid,  account number to transfer money in. Customers please prepare financial resources and make loan payments according to the information of this message. 

Please contact Customer Contact Center or visit any nearest UOBV Branches for further assistance.