Vay ngan hang mua Ha Long Xanh cho nguoi moi
Lo trinh chuan bi ho so vay va kiem soat ty le vay an toan khi mua bat dong san tai Vinhomes Ha Long Xanh. Bai viet tong hop dieu kien, ngan hang lien ket, ho so can thiet, lai suat va nhung meo giup ban vay hieu qua nhat.
1. Dieu kien vay mua Ha Long Xanh
De duoc ngan hang phe duyet khoan vay mua bat dong san tai Vinhomes Ha Long Xanh, nguoi vay can dap ung mot so dieu kien co ban. Day la buoc dau tien va quan trong nhat, quyet dinh ban co the tiep can nguon von hay khong.
Dieu kien ve ca nhan
- Tu du 18 tuoi tro len, co nang luc hanh vi dan su day du
- Co ho khau hoac tam tru tai Viet Nam (doi voi nguoi Viet Nam)
- Khong co no xau tai cac to chuc tin dung (kiem tra qua CIC)
- Co nguon thu nhap on dinh, chung minh duoc kha nang tra no
Dieu kien ve tai san the chap
Bat dong san tai Vinhomes Ha Long Xanh duoc su dung lam tai san the chap chinh. Ngan hang se dinh gia tai san va cho vay toi da 70% gia tri hop dong mua ban (LTV 70%). Voi can ho gia tu 1,8 - 5,5 ty dong, nguoi mua can chuan bi toi thieu 30% von tu co, tuong duong tu 540 trieu den 1,65 ty dong.
Luu y quan trong
Ty le cho vay 70% la muc toi da. Thuc te, ngan hang se xet duyet dua tren thu nhap va lich su tin dung cua ban. Nhieu truong hop chi duoc duyet 50-60% gia tri bat dong san.
Dieu kien ve thu nhap
Ngan hang yeu cau tong thu nhap hang thang cua nguoi vay (hoac dong vay) phai gap it nhat 2 lan so tien tra goc va lai hang thang. Vi du, neu ban tra 15 trieu dong/thang, thu nhap chung minh phai tu 30 trieu dong/thang tro len.
| Loai san pham | Gia tu | Von tu co (30%) | Thu nhap toi thieu |
|---|---|---|---|
| Can ho | 1,8 ty | 540 trieu | ~25 trieu/thang |
| Biet thu | 8 ty | 2,4 ty | ~100 trieu/thang |
| Shophouse | 12 ty | 3,6 ty | ~150 trieu/thang |
2. Ngan hang lien ket: Vietcombank, BIDV, Techcombank
Vinhomes Ha Long Xanh hop tac voi cac ngan hang lon nhat Viet Nam de cung cap goi vay uu dai cho nguoi mua. Moi ngan hang co chinh sach lai suat va dieu kien khac nhau. Duoi day la so sanh chi tiet giup ban chon lua phu hop.
Vietcombank (VCB)
- Lai suat uu dai: 0% trong 24 thang dau
- Lai suat sau uu dai: Lai suat tham chieu + 3,0%/nam (khoang 9,5-10,5%/nam)
- Ty le cho vay: Toi da 70% gia tri hop dong
- Thoi han vay: Toi da 25 nam
- An han goc: 36 thang (chi tra lai, chua tra goc)
- Uu diem: Ngan hang lon, uy tin, lai suat uu dai dai nhat
BIDV
- Lai suat uu dai: 0% trong 24 thang dau
- Lai suat sau uu dai: Lai suat tham chieu + 3,2%/nam (khoang 10-11%/nam)
- Ty le cho vay: Toi da 70% gia tri hop dong
- Thoi han vay: Toi da 20 nam
- An han goc: 24 thang
- Uu diem: Thu tuc nhanh, co nhieu chi nhanh tai Quang Ninh
Techcombank (TCB)
- Lai suat uu dai: 0% trong 24 thang dau
- Lai suat sau uu dai: Lai suat tham chieu + 2,8%/nam (khoang 9-10%/nam)
- Ty le cho vay: Toi da 70% gia tri hop dong
- Thoi han vay: Toi da 35 nam
- An han goc: 36 thang
- Uu diem: La ngan hang cung he sinh thai Vingroup, giai ngan nhanh, thoi han vay dai nhat
Goi y
Techcombank thuong co loi the ve toc do giai ngan nhanh vi cung thuoc he sinh thai Vingroup. Tuy nhien, neu ban da co tai khoan luong tai VCB hoac BIDV, viec chung minh thu nhap se de dang hon.
3. Ho so can chuan bi
Chuan bi ho so day du truoc khi nop ngan hang giup tiet kiem thoi gian va tang kha nang duyet vay. Duoi day la danh sach chi tiet cac giay to can thiet.
Giay to ca nhan
- Can cuoc cong dan (CCCD) hoac ho chieu con hieu luc
- So ho khau hoac giay xac nhan cu tru
- Giay dang ky ket hon / Giay xac nhan doc than (neu co)
- Giay phep kinh doanh (doi voi chu doanh nghiep)
Giay to chung minh thu nhap
Nguoi lam cong an luong
- Hop dong lao dong
- Sao ke luong 6 thang gan nhat
- Giay xac nhan luong cua cong ty
- To khai thue thu nhap ca nhan
Chu doanh nghiep / Tu do
- Bao cao tai chinh 2 nam gan nhat
- Sao ke tai khoan doanh nghiep 12 thang
- Hop dong kinh doanh, hoa don
- Giay phep kinh doanh
Giay to lien quan den bat dong san
- Hop dong dat coc voi Vinhomes Ha Long Xanh (ban sao cong chung)
- Hop dong mua ban bat dong san
- Giay xac nhan da thanh toan dot 1 (50 trieu dat coc + 20% gia tri hop dong)
- Cac giay to phap ly cua du an do chu dau tu cung cap
Meo tiet kiem thoi gian
Chuan bi san 2 bo ho so: 1 bo photo cong chung va 1 bo ban goc. Lien he ngan hang truoc de xac nhan danh sach giay to chinh xac, tranh phai bo sung nhieu lan.
4. Lai suat va chi phi vay
Ngoai lai suat, nguoi vay can tinh toan day du cac chi phi phat sinh de co buc tranh toan canh ve tong chi phi so huu bat dong san tai Ha Long Xanh.
Cau truc lai suat
Tat ca 3 ngan hang lien ket deu ap dung chinh sach 0% lai suat trong 24 thang dau tien. Sau thoi gian uu dai, lai suat se chuyen sang lai suat tha noi, tinh theo cong thuc:
Lai suat ap dung = Lai suat tham chieu + Bien do (2,8% - 3,2%)
Vi du tinh toan cu the
Gia su ban mua can ho 3 ty dong, vay 70% (2,1 ty dong), thoi han 20 nam:
| Giai doan | Lai suat | Tra hang thang (uoc tinh) |
|---|---|---|
| 24 thang dau (uu dai) | 0% | ~8,75 trieu (chi goc) |
| Thang 25-60 (an han goc) | ~10%/nam | ~14,6 trieu (chi lai) |
| Thang 61 tro di | ~10%/nam | ~22-24 trieu (goc + lai) |
Cac chi phi khac can tinh
- Phi tham dinh: 0,1-0,15% gia tri khoan vay (khoang 2-3 trieu dong)
- Phi bao hiem tai san: 0,05-0,1% gia tri bat dong san/nam
- Phi bao hiem khoan vay: 0,03-0,05% du no/nam (khong bat buoc nhung nen co)
- Phi cong chung hop dong: 1-3 trieu dong
- Phi dang ky giao dich bao dam: 500.000 dong
- Phi tra truoc han: 1-3% so tien tra truoc (neu tra truoc trong 3-5 nam dau)
Canh bao
Nhieu nguoi chi tinh lai suat uu dai 24 thang dau ma quen rang sau do lai suat co the tang len 9-11%/nam. Hay tinh toan kha nang tra no theo lai suat sau uu dai de tranh ap luc tai chinh.
5. Meo vay an toan
Vay mua bat dong san la quyet dinh tai chinh lon. Duoi day la nhung kinh nghiem thuc te giup ban kiem soat rui ro va toi uu hoa chi phi vay.
Khong vay qua 50% gia tri bat dong san
Du ngan hang cho vay toi da 70%, ban nen gioi han o muc 50% de giam ap luc tra no. Voi can ho 3 ty, chi nen vay toi da 1,5 ty dong thay vi 2,1 ty dong.
Giu quy du phong it nhat 6 thang tra no
Luon co san khoan tien tuong duong 6 thang tien tra no de phong truong hop mat viec, giam thu nhap hoac co bien dong bat ngo.
Tan dung toi da giai doan lai suat 0%
Trong 24 thang uu dai lai suat 0%, hay dung khoan tien tiet kiem duoc de tich luy quy tra truoc han. Khi het uu dai, ban co the tra bot goc de giam lai phai tra.
So sanh lai suat nhieu ngan hang
Dung chi nop ho so o 1 ngan hang. Hay nop dong thoi tai Vietcombank, BIDV va Techcombank de so sanh dieu kien va chon goi co loi nhat. Chenh lech 0,5%/nam co the tiet kiem hang tram trieu dong trong 20 nam vay.
Chon phuong thuc tra goc giam dan
So voi tra goc deu, phuong thuc tra goc giam dan giup ban tra tong lai it hon trong toan bo thoi han vay. Dac biet phu hop voi nguoi co thu nhap on dinh va muon tiet kiem chi phi.
Dong vay cung vo/chong de tang kha nang duyet
Neu thu nhap ca nhan chua du, hay dang ky dong vay voi vo/chong hoac nguoi than. Dieu nay tang tong thu nhap chung minh va giup ngan hang phe duyet muc vay cao hon.
Tom tat quy trinh vay mua Ha Long Xanh
Can tu van vay mua Ha Long Xanh?
Doi ngu tu van Vinhomes Ha Long Xanh san sang ho tro ban chuan bi ho so, ket noi ngan hang va tinh toan phuong an tai chinh toi uu nhat.
Lien he tu van ngayBai viet lien quan
Chinh sach thanh toan Ha Long Xanh
Tien do thanh toan va cac dot dong tien theo hop dong mua ban.
Ty le von vay an toan khi mua Ha Long Xanh
Phan tich ty le vay toi uu de giam rui ro tai chinh.
Ke hoach dong tien 24 thang khi mua Ha Long Xanh
Lo trinh dong tien chi tiet theo tien do du an.
Goi uu dai ban hang Ha Long Xanh
So sanh uu dai va cach quy doi hieu qua tai chinh thuc te.