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Conditions for land mortgages at banks in 2025 

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According to Article 7 of Circular 39 of
2016, amended by Article 2 of Circular 

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06 of 2023 and about 3 Article 1 of
Circular 12 of 2024. 

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To get a bank loan in the form of a land
mortgage, customers need to meet the following conditions. 

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1. Loan conditions 

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The bank will consider and decide to
lend when the customer meets the following conditions. 

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Customers are legal entities with civil
law capacity according to the provisions of law. 

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Customers are individuals aged 18 and
over with full civil act capacity 

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according to the provisions of law or 

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from the age of 15 to under 18 years
old, no loss or limitation of civil act 

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capacity as prescribed by law. 

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Demand for loans for legal purposes 

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With a feasible capital use plan, this
condition is not mandatory for 

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loans with small values. 

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Have financial capacity to repay debts 

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2. Conditions for mortgaged land 

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Land users are allowed to mortgage a
piece of land when they meet the following conditions. 

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Complete financial obligations in cases
where land users are slow to fulfill 

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financial obligations or have their financial obligations debtors. 

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Having a land use right certificate or a
house ownership certificate and 

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residential land use right certificate
or a land use right certificate, 

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ownership of houses and other assets
attached to land or certificates of land 

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use rights, ownership of assets attached to land. 

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Land without disputes or disputes that
have been resolved by competent state 

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agencies, judgments, decisions of the
court, decisions or judgments of 

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arbitration that have come into legal effect. 

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Land use rights are not subject to
seizure or other measures to ensure 

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enforcement of judgments according to
the provisions of the law on civil judgment enforcement. 

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During the land use term, land use
rights are not subject to temporary 

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emergency measures as prescribed by law.