In need of a loan from BIDV bank?

Buzz

Ngày cập nhật gần nhất: 15/4/2026

The loan options at BIDV bank are divided into two main categories: unsecured loans and secured loans. The conditions and procedures for borrowing from BIDV are specified for each loan type and borrower category at different times.

Are you looking to borrow money for purposes like buying land, a house, business investment, or personal expenses? You've been recommended various loan packages at BIDV bank for their low interest rates and flexible repayment methods, suitable for your financial condition. But do you know the conditions and procedures for borrowing from BIDV? Are they complicated?

Don't worry, all your concerns will be addressed in the article below by Mytour.vn. Let's find out!

Latest conditions and procedures for borrowing from BIDV bank.

1. Loan packages at BIDV bank

Currently, BIDV provides loan packages for two main customer segments: individuals and businesses. In terms of borrowing methods, we can easily categorize BIDV's loan packages as follows:

- Unsecured loans at BIDV: Borrowing from BIDV based on salary, installment loans at BIDV, student loans at BIDV, consumer loans at BIDV, and more...

- Secured loans at BIDV: BIDV loans for home purchase, land purchase loans at BIDV, BIDV loans with red book collateral, production and business loans, asset-backed loans, and more...

2. BIDV Bank Interest Rates 2019

Currently, the interest rate ceiling for BIDV bank loans in 2019 has been adjusted to decrease by 0.5% for most loan types. Specifically:

- Home purchase loan interest rates at BIDV range from 7.3% to 8.8% per year, depending on the promotional period for the loan. After the promotional period, the interest rates at BIDV will be adjusted based on the floating market interest rates.
- Auto loan interest rates at BIDV are 7.5% to 7.8% for promotional periods of 6 months and 12 months.
- Unsecured loan interest rates at BIDV in 2019 range from 7% to 12.6% per year, depending on the loan term and package.
- For priority customer segments as defined by the central bank, the interest rate applied by BIDV is 6.5% per year.

3. Eligibility Criteria for BIDV Bank Loans

- Individuals, both Vietnamese and legal residents, aged 18-60, residing and working regularly in the province/city where BIDV has its headquarters.
- Stable, regular income ensuring the ability to repay the loan throughout the borrowing period.
- Adequate collateral, assets complying with BIDV's regulations.
- Other loan-specific conditions as per BIDV's regulations at different times.

What conditions must be met to borrow money from BIDV bank?

4. Procedures for BIDV Bank Loans

- Submission of a loan request form provided by BIDV bank.
- ID card/Citizen ID/Passport; Household registration book/Certificate of temporary residence (KT3) of the individual borrower.
- Proof of income (employment contract, salary statement, etc.).
- Documentation related to collateral, secured assets, etc.

The above provides general information about eligibility criteria and loan procedures at BIDV bank. In reality, documentation and procedures for mortgage loans with red book collateral, salary-based loans at BIDV, etc., are specified based on each loan package at BIDV bank.

To obtain precise information on interest rates, conditions, and documentation for loans at BIDV bank, kindly visit a BIDV branch during business hours or call BIDV hotline (19009247) for detailed inquiries.

https://Mytour.vn/vay-tien-ngan-hang-bidv-can-nhung-gi-25877n.aspx
However, for detailed advice on the characteristics of each loan package, Mytour.vn recommends visiting BIDV bank directly for assistance from BIDV loan department staff. Currently, BIDV bank's working hours are from Monday to Friday, mornings from 8:00 AM to 11:30 AM, and afternoons from 11:00 AM to 4:30 PM.

Frequently Asked Questions

What are the main categories of loan options at BIDV bank?

BIDV bank offers two main categories of loan options: unsecured loans and secured loans. Each type has specific conditions and procedures tailored to different borrower categories, ensuring a suitable borrowing experience for individuals and businesses.

What are the eligibility criteria for borrowing from BIDV bank?

To be eligible for loans at BIDV, borrowers must be Vietnamese or legal residents aged 18-60, with a stable income, adequate collateral, and must meet other specific conditions set by BIDV.

How do interest rates vary for different loan types at BIDV bank?

Interest rates at BIDV vary depending on the loan type. For example, home purchase loans range from 7.3% to 8.8%, while unsecured loans can range from 7% to 12.6% annually, depending on the loan term and package.

What documentation is required for a loan application at BIDV bank?

When applying for a loan at BIDV, required documentation includes a loan request form, valid ID, proof of income, and documentation related to collateral or secured assets to support your application.

Mytour's content is for customer care and travel encouragement only, and we are not responsible.

For errors or inappropriate content, please contact us at: [email protected]