Quick Links
Titled homes and land
Finance titled property
- Loan terms up to 35 years
- Principal repayment grace period up to 24 months
- Financing up to 90% of your funding needs
- Preferential interest rates, subject to current policy
Financial confidenceFor every journey
Loan Solutions
Flexible loans for every need
Explore lending options for different financing goals, with flexible terms and disbursement plans tailored to your needs.
Home loan
Housing developments
Finance a property within a development
- Loan terms up to 40 years
- Principal repayment grace period up to 24 months
- Financing up to 100% of funding needs and 80% of collateral value
- Preferential interest rates, subject to current policy
Certified green projects
Finance a green apartment
- Loan terms up to 30 years
- Principal repayment grace period up to 24 months
- 0.5-percentage-point rate reduction during the initial fixed-rate period
- Property valuation fee waived
Build the space you love
Home Construction & Renovation
- Loan terms up to 20 years
- Principal repayment grace period up to 6 months
- Financing up to 100% of funding needs and 70% of collateral value
- Preferential interest rates, subject to current policy
Car loan
New cars under 9 seats and pickups
For daily travel or business use
- Loan terms up to 84 months
- Financing of up to 80% of the vehicle value
- Preferential interest rates, subject to current policy
- Fast loan disbursement with your vehicle registration appointment letter
Consumer loan
Unlock your asset value
Secured Personal Loan
- Loan terms up to 15 years
- Maximum loan amount of VND 5 billion
- Financing up to 80% of collateral value
- Preferential interest rates, subject to current policy
Overdraft protection
Overdraft Loan
- No collateral required; continue making payments even when your balance is insufficient
- Loan terms up to 12 months
- Maximum loan amount of VND 1 billion
- Apply for and use the overdraft on OCB OMNI
Optimize Your Savings
Savings Deposit-Backed Loan
- Apply online via OCB OMNI
- Borrow up to 95% of your savings deposit value
- Tenor based on the remaining deposit term
- Direct account disbursement
Business Loan
Working capital financing
For individual entrepreneurs and household business owners
- Loan terms up to 2 years
- Maximum loan amount of VND 10 billion
- Financing up to 90% of funding needs and 80% of collateral value
- Preferential interest rates, subject to current policy
Tools & Utilities
Loan Calculator
Plan Accurately. Borrow Smarter
Plan your loan based on your financing needs and repayment method
Explore More
Prosperity Journey
Building a Home
Buying a home: What suits your lifestyle?
Location, commuting time, schools, amenities and costs years down the road all shape quality of life. What questions should you ask before choosing your first home?
Elevate Your Life
When is the right time to upgrade your life?
From a new car or home renovation to learning a new skill, every upgrade has immediate and ongoing costs. How do you weigh usage, value and available resources?
Reach New Heights
Ready to pursue bigger ambitions?
A career change, startup or business expansion requires resources and the ability to manage risk. What should you prepare before turning a big opportunity into a turning point?
Frequently asked questions
Quick answers to your questions!
OCB currently accepts loan applications through OCB OMNI. Open the app, select Loan Services and Apply for a Loan. Depending on your financing needs, additional documents or in-branch formalities may be required.
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