hoalegd@gmail.com 
Green House Agency, 027 Street O, My Giang 2, Phu My Hung, Dist 7, HCM 
Real estate hot
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New project
Video
news
Situation Of Buying Installment Apartments In Ho Chi Minh City
In Ho Chi Minh City, it can be said that currently leading the country in apartment projects. With the huge demand for buying condominiums of customers, condominium projects are increasingly expanding the form of buying installment apartments, in order to help middle-income people have access to and buy an apartment.
Along with that, the project investor always has attractive incentives for buyers. So it can be seen that buying an apartment in installments is a matter of great concern today.
Conditions required to buy an installment apartment in Ho Chi Minh City
Guaranteed income to repay debts
This is a first condition for buying installment apartments in Ho Chi Minh City. Banks are very concerned about the stability of income sources. You must be prepared with the following documents:
. List salary in the nearest 3 months.
. A term labor contract or an indefinitely working contract.
Credit history
If customers have not borrowed money from banks, credit institutions or opened credit cards, there will not need to worry about this condition.
If customers used to borrow money from banks and credit institutions that you have late payment loans, cards or cannot afford, customers will no longer be able to borrow money to buy installment apartments.
Properties must meet the conditions for bank loans
In case the customer mortgages the property, the customer needs to prepare documents proving that the property is his/her own (red book, pink book, vehicle registration certificate, etc.), no dispute, not subject to planning.
In addition, customers must also ensure the value of the property is sufficiently valuable, in order to be able to borrow to buy an installment apartment in Ho Chi Minh City.
Available capital
Banks usually only support up to 70% of the value of apartments that customers buy in cases of installment loans according to salaries. Customers need to prepare 30% of the amount of the apartment, this is also something that customers should carefully consider, to minimize the interest payable when buying an apartment.
Buyer's origins
Customers buy installment apartments in Ho Chi Minh City, they must be Vietnamese citizens, have full civil capacity, have the right and participate in the process of buying, selling and exchanging apartments.
Procedures for buying an installment apartment in Ho Chi Minh City
Legal Documents
. ID card or passport, your valid citizen ID card and a copy of your spouse
. Register your spouse's marriage (if you are married).
. Certificate of single (if you are not married).
. Household registration book or KT3 (temporary residence book) photocopy.
Proof of income
. Labor contract: term or labor contract indefinitely.
. List salary table: in the nearest 3 months.
. List all income from leasing and business, it is necessary to have documents proving that customers have a stable source of income.
Documents proving the purpose of capital use.
. Loan application form (according to the Bank's form).
. Sales contract.
. Documents for payment of equity payments.
. Certificate of ownership / legal documents of the property intended to be purchased.
Assured properties
. Prepare documents proving property ownership (red book, vehicle registration certificate)
When you buy an installment apartment in Ho Chi Minh City, you need to have experiences
Financial afford
Before deciding to buy an installment apartment in Ho Chi Minh City, customers need to carefully calculate their financial ability as well as their family. In order to avoid the situation when buying an apartment in installments, then you have difficulty repaying the debt.
The advice is to prepare capital from 30-40% of the value of the apartment, as well as the monthly amount not exceeding 50% of your income as well as your family (should choose to pay for 20-25 years), always be proactive in finance.
Legal issues of the project
When buying an apartment, customers need to ask the investor to show the project construction investment license. Avoid unauthorized construction projects and then be revoked.
The price of the project must be clear. Customers need to look at the payment milestones carefully before depositing to suit their finance. You can negotiate with the project owner about payment milestones.
Progress, project safety is also a factor that customers should carefully consider.
Interest rate on loan
Currently, there are many preferential loan packages when buying installment apartments in Ho Chi Minh City, customers should consider carefully before choosing the banks to borrow.
The costs of the apartment
This is a cost that many customers often ignore when buying installment apartments in Ho Chi Minh City. However, this is an issue that customers need to pay attention to when buying an apartment, because the apartment has a lot of fees that if not calculated in advance can affect financially a lot.
>>>Read more buy apartment in installments in Ho Chi Minh City
