{"id":22795,"date":"2025-12-01T15:00:05","date_gmt":"2025-12-01T08:00:05","guid":{"rendered":"https:\/\/bighousing.vn\/?p=22795"},"modified":"2025-12-01T15:05:43","modified_gmt":"2025-12-01T08:05:43","slug":"dieu-kien-ap-dung-vay-mua-nha-o-xa-hoi","status":"publish","type":"post","link":"https:\/\/bighousing.vn\/en\/dieu-kien-ap-dung-vay-mua-nha-o-xa-hoi\/","title":{"rendered":"\u0110i\u1ec1u Ki\u1ec7n, Th\u1ee7 T\u1ee5c V\u00e0 C\u00e1c \u0110\u1ed1i T\u01b0\u1ee3ng \u0110\u01b0\u1ee3c \u00c1p D\u1ee5ng Vay Mua Nh\u00e0 \u1ede X\u00e3 H\u1ed9i"},"content":{"rendered":"

Trong b\u1ed1i c\u1ea3nh gi\u00e1 nh\u00e0 th\u01b0\u01a1ng m\u1ea1i li\u00ean t\u1ee5c t\u0103ng cao, nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong> \u0111ang tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh \u2013 th\u1ea5p. Kh\u00f4ng ch\u1ec9 c\u00f3 m\u1ee9c gi\u00e1 \u01b0u \u0111\u00e3i, ng\u01b0\u1eddi mua c\u00f2n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 vay v\u1ed1n l\u00e3i su\u1ea5t th\u1ea5p theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. B\u00e0i vi\u1ebft sau \u0111\u00e2y b\u1ea5t \u0111\u1ed9ng s\u1ea3n Big Housing Land<\/strong> s\u1ebd c\u00f9ng b\u1ea1n t\u00ecm hi\u1ec3u r\u00f5 v\u1ec1 \u0111i\u1ec1u ki\u1ec7n<\/strong>, th\u1ee7 t\u1ee5c<\/strong>, v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng<\/strong> \u0111\u01b0\u1ee3c vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong>.<\/p>\n

\"D\u1ef1<\/a>

D\u1ef1 \u00e1n nh\u00e0 \u1edf x\u00e3 h\u1ed9i IEC T\u1ee9 Hi\u1ec7p Thanh Tr\u00ec<\/p><\/div>\n

1. Nh\u00e0 \u1edf x\u00e3 h\u1ed9i l\u00e0 g\u00ec?<\/strong><\/h2>\n

Nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong> l\u00e0 lo\u1ea1i h\u00ecnh nh\u00e0 \u1edf do Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 d\u00e0nh cho nh\u00f3m ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u \u1edf th\u1ef1c nh\u01b0ng h\u1ea1n ch\u1ebf v\u1ec1 t\u00e0i ch\u00ednh<\/a>. Gi\u00e1 b\u00e1n th\u1ea5p h\u01a1n th\u1ecb tr\u01b0\u1eddng t\u1eeb 20 \u2013 30%, \u0111\u1ed3ng th\u1eddi ng\u01b0\u1eddi mua c\u00f2n \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn c\u00e1c g\u00f3i vay \u01b0u \u0111\u00e3i, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay l\u00e3i su\u1ea5t th\u1ea5p t\u1eeb ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

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2. \u0110i\u1ec1u ki\u1ec7n vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong><\/h2>\n

Theo c\u00e1c th\u00f4ng tin ph\u1ed5 bi\u1ebfn tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i v\u00e0 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, \u0111\u1ec3 \u0111\u01b0\u1ee3c vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong>, ng\u01b0\u1eddi d\u00e2n c\u1ea7n \u0111\u00e1p \u1ee9ng 3 nh\u00f3m \u0111i\u1ec1u ki\u1ec7n ch\u00ednh:<\/p>\n

(1) \u0110i\u1ec1u ki\u1ec7n v\u1ec1 nh\u00e0 \u1edf<\/strong><\/h3>\n
    \n
  • \n

    Ch\u01b0a s\u1edf h\u1eefu nh\u00e0 \u1edf t\u1ea1i n\u01a1i sinh s\u1ed1ng v\u00e0 l\u00e0m vi\u1ec7c.<\/p>\n<\/li>\n

  • \n

    Ch\u01b0a t\u1eebng \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf x\u00e3 h\u1ed9i tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n<\/li>\n<\/ul>\n

    (2) \u0110i\u1ec1u ki\u1ec7n v\u1ec1 c\u01b0 tr\u00fa<\/strong><\/h3>\n
      \n
    • \n

      C\u00f3 h\u1ed9 kh\u1ea9u ho\u1eb7c \u0111\u0103ng k\u00fd t\u1ea1m tr\u00fa d\u00e0i h\u1ea1n (KT3) t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng c\u00f3 d\u1ef1 \u00e1n.<\/p>\n<\/li>\n

    • \n

      C\u00f3 th\u1eddi gian sinh s\u1ed1ng v\u00e0 l\u00e0m vi\u1ec7c \u1ed5n \u0111\u1ecbnh t\u1ea1i khu v\u1ef1c \u0111\u00f3.<\/p>\n<\/li>\n<\/ul>\n

      (3) \u0110i\u1ec1u ki\u1ec7n v\u1ec1 thu nh\u1eadp<\/strong><\/h3>\n
        \n
      • \n

        Thu nh\u1eadp thu\u1ed9c di\u1ec7n thu nh\u1eadp th\u1ea5p<\/strong>, trung b\u00ecnh th\u1ea5p<\/strong>, ho\u1eb7c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u00ednh s\u00e1ch an sinh<\/strong>.<\/p>\n<\/li>\n

      • \n

        C\u00f3 kh\u1ea3 n\u0103ng ch\u1ee9ng minh thu nh\u1eadp v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 theo y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<\/li>\n<\/ul>\n

        \n

        3. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong><\/h2>\n

        Th\u00f4ng tin \u0111\u01b0\u1ee3c chia s\u1ebb r\u1ed9ng r\u00e3i tr\u00ean c\u00e1c h\u1ed9i nh\u00f3m m\u1ea1ng x\u00e3 h\u1ed9i cho th\u1ea5y nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng sau \u0111\u00e2y \u0111\u01b0\u1ee3c \u01b0u ti\u00ean:<\/p>\n

        1. Ng\u01b0\u1eddi c\u00f3 c\u00f4ng v\u1edbi c\u00e1ch m\u1ea1ng<\/strong><\/h3>\n

        L\u00e0 nh\u00f3m \u01b0u ti\u00ean \u0111\u1eb7c bi\u1ec7t trong ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 an sinh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

        2. H\u1ed9 gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p, c\u1eadn ngh\u00e8o, ngh\u00e8o \u0111\u00f4 th\u1ecb<\/strong><\/h3>\n

        Nh\u1eefng h\u1ed9 kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh nh\u01b0ng c\u00f3 nhu c\u1ea7u nh\u00e0 \u1edf th\u1ef1c.<\/p>\n

        3. C\u00f4ng nh\u00e2n, ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ea1i khu c\u00f4ng nghi\u1ec7p<\/strong><\/h3>\n

        Nh\u00f3m c\u1ea7n m\u00f4i tr\u01b0\u1eddng s\u1ed1ng \u1ed5n \u0111\u1ecbnh \u0111\u1ec3 g\u1eafn b\u00f3 d\u00e0i l\u00e2u v\u1edbi n\u01a1i l\u00e0m vi\u1ec7c.<\/p>\n

        4. C\u00e1n b\u1ed9, c\u00f4ng ch\u1ee9c, vi\u00ean ch\u1ee9c, l\u1ef1c l\u01b0\u1ee3ng v\u0169 trang<\/strong><\/h3>\n

        Nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c trong c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc v\u00e0 \u0111\u01a1n v\u1ecb tr\u1ef1c thu\u1ed9c.<\/p>\n

        5. Ng\u01b0\u1eddi m\u1edbi l\u1eadp gia \u0111\u00ecnh, ng\u01b0\u1eddi ch\u01b0a c\u00f3 nh\u00e0 \u1edf<\/strong><\/h3>\n

        \u0110\u00e2y l\u00e0 nh\u00f3m chi\u1ebfm t\u1ef7 l\u1ec7 r\u1ea5t l\u1edbn khi \u0111\u0103ng k\u00fd mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong>.<\/p>\n

        \n

        4. Th\u1ee7 t\u1ee5c vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong><\/h2>\n

        Th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 vay v\u00e0 h\u1ed3 s\u01a1 mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong> th\u01b0\u1eddng bao g\u1ed3m:<\/p>\n

        H\u1ed3 s\u01a1 ch\u1ee9ng minh \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c mua:<\/strong><\/h3>\n
          \n
        • \n

          \u0110\u01a1n \u0111\u0103ng k\u00fd mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i theo m\u1eabu.<\/p>\n<\/li>\n

        • \n

          Gi\u1ea5y x\u00e1c nh\u1eadn t\u00ecnh tr\u1ea1ng nh\u00e0 \u1edf t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n<\/li>\n

        • \n

          Gi\u1ea5y x\u00e1c nh\u1eadn thu nh\u1eadp ho\u1eb7c sao k\u00ea l\u01b0\u01a1ng trong 6 th\u00e1ng g\u1ea7n nh\u1ea5t.<\/p>\n<\/li>\n

        • \n

          Gi\u1ea5y t\u1edd t\u00f9y th\u00e2n: CCCD, s\u1ed5 h\u1ed9 kh\u1ea9u ho\u1eb7c KT3.<\/p>\n<\/li>\n

        • \n

          Gi\u1ea5y \u0111\u0103ng k\u00fd k\u1ebft h\u00f4n (n\u1ebfu \u0111\u00e3 l\u1eadp gia \u0111\u00ecnh).<\/p>\n<\/li>\n<\/ul>\n

          H\u1ed3 s\u01a1 vay v\u1ed1n ng\u00e2n h\u00e0ng:<\/strong><\/h3>\n
            \n
          • \n

            H\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 \u1edf x\u00e3 h\u1ed9i v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n<\/li>\n

          • \n

            H\u1ed3 s\u01a1 ch\u1ee9ng minh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh.<\/p>\n<\/li>\n

          • \n

            C\u00e1c gi\u1ea5y t\u1edd theo y\u00eau c\u1ea7u c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng (t\u00f9y g\u00f3i vay).<\/p>\n<\/li>\n<\/ul>\n

            Quy tr\u00ecnh x\u00e9t duy\u1ec7t th\u01b0\u1eddng k\u00e9o d\u00e0i 10\u201320 ng\u00e0y t\u00f9y ng\u00e2n h\u00e0ng v\u00e0 h\u1ed3 s\u01a1 c\u1ee5 th\u1ec3.<\/p>\n

            \n

            5. M\u1ee9c vay v\u00e0 l\u00e3i su\u1ea5t khi mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong><\/h2>\n

            Theo th\u00f4ng tin chia s\u1ebb r\u1ed9ng r\u00e3i tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i:<\/p>\n

              \n
            • \n

              Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 vay t\u1ed1i \u0111a 70\u201380% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9<\/strong>.<\/p>\n<\/li>\n

            • \n

              Th\u1eddi h\u1ea1n vay k\u00e9o d\u00e0i t\u1eeb 15 \u2013 25 n\u0103m<\/strong>, gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n<\/li>\n

            • \n

              L\u00e3i su\u1ea5t c\u00e1c g\u00f3i vay \u01b0u \u0111\u00e3i dao \u0111\u1ed9ng:<\/p>\n

                \n
              • \n

                4,8% \u2013 5%\/n\u0103m<\/strong> (v\u1edbi g\u00f3i \u01b0u \u0111\u00e3i Nh\u00e0 n\u01b0\u1edbc).<\/p>\n<\/li>\n

              • \n

                7% \u2013 9%\/n\u0103m<\/strong> (v\u1edbi g\u00f3i th\u01b0\u01a1ng m\u1ea1i \u01b0u \u0111\u00e3i c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                M\u1ee9c l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u00f9y t\u1eebng th\u1eddi k\u1ef3 theo quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

                \n

                6. L\u1eddi khuy\u00ean t\u1eeb b\u1ea5t \u0111\u1ed9ng s\u1ea3n Big Housing Land<\/strong><\/h2>\n
                  \n
                • \n

                  Chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 gi\u1ea5y t\u1edd \u0111\u1ec3 tr\u00e1nh m\u1ea5t th\u1eddi gian x\u00e9t duy\u1ec7t.<\/p>\n<\/li>\n

                • \n

                  T\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c g\u00f3i vay ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh.<\/p>\n<\/li>\n

                • \n

                  L\u1ef1a ch\u1ecdn d\u1ef1 \u00e1n c\u00f3 ch\u1ee7 \u0111\u1ea7u t\u01b0 uy t\u00edn v\u00e0 ph\u00e1p l\u00fd minh b\u1ea1ch.<\/p>\n<\/li>\n

                • \n

                  H\u1ea1n ch\u1ebf vay t\u1ed1i \u0111a n\u1ebfu thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh.<\/p>\n<\/li>\n<\/ul>\n

                  \n

                  K\u1ebft lu\u1eadn<\/strong><\/h2>\n

                  Ch\u00ednh s\u00e1ch vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i<\/strong> l\u00e0 c\u01a1 h\u1ed9i l\u1edbn gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p \u2013 trung b\u00ecnh hi\u1ec7n th\u1ef1c h\u00f3a gi\u1ea5c m\u01a1 an c\u01b0. Vi\u1ec7c n\u1eafm r\u00f5 \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay s\u1ebd gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 n\u00e0y.<\/p>","protected":false},"excerpt":{"rendered":"

                  Trong b\u1ed1i c\u1ea3nh gi\u00e1 nh\u00e0 th\u01b0\u01a1ng m\u1ea1i li\u00ean t\u1ee5c t\u0103ng cao, nh\u00e0 \u1edf x\u00e3 h\u1ed9i \u0111ang tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp trung b\u00ecnh \u2013 th\u1ea5p. Kh\u00f4ng ch\u1ec9 c\u00f3 m\u1ee9c gi\u00e1 \u01b0u \u0111\u00e3i, ng\u01b0\u1eddi mua c\u00f2n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 vay v\u1ed1n l\u00e3i su\u1ea5t th\u1ea5p theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc. B\u00e0i vi\u1ebft sau \u0111\u00e2y b\u1ea5t \u0111\u1ed9ng s\u1ea3n Big …<\/p>","protected":false},"author":2,"featured_media":22796,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[19,76],"tags":[],"class_list":["post-22795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong-bds-big-housing-land","category-thong-tin-big-housing-land"],"_links":{"self":[{"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/posts\/22795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/comments?post=22795"}],"version-history":[{"count":4,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/posts\/22795\/revisions"}],"predecessor-version":[{"id":22800,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/posts\/22795\/revisions\/22800"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/media\/22796"}],"wp:attachment":[{"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/media?parent=22795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/categories?post=22795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bighousing.vn\/en\/wp-json\/wp\/v2\/tags?post=22795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}