Mortgage Loan


Personal housing mortgage loans provide individual customers with commercial loan for the purchase of capped first – hand houses, apartment and commercial houses.


  • Loan limit: personal residences and apartments can be loaned up to 70% of the value of purchase, and personal commercial house can be loaned up to 50% of the value of the purchase.
  • Loan period: no more than 15 years for residences and apartments, no more than 10 years for commercial houses.
  • Loan interest rate: on the basis of the regulatory requirements of the Central Bank of Laos and accordance with the relevant regulation of the Bank of China (Hong Kong) Limited Vientiane Branch.

Target Customers

  • Lao citizens who have a legal and stable income in Laos, have reached the age of 20; Foreign Citizens who holds Lao’s Business Visa.


  • Customers are guided to our bank through the corresponding developers.

Required Documents

  • Copies of ID card/passport, bank records and income certificates in the last three months, Purchase and sale agreement of properties, and other materials required by the bank according to personal circumstances.


Because have more information needed to Provide, If you need more information for Loan, you can contact our bank though the developer’s property consultant or call our hotline: 00856 – 21 – 228888 ext. 171