BUYER CO-FINANCING PROGRAM

Not enough downpayment?
No worries

A more accessible alternative to mortgage that finances up to 90% of the property's value

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BENEFITS OF CO-FINANCING PROGRAM

Why use us?

Up to 90% LTV

Finance up to 90% of the property's value

Easy to apply

No need for complex documents or strict proof of income, unlike traditional banks

Both locals & foreigners

Financing available for both locals and foreigners

How it works

STEP 1

Home Selection

Choose from any listed property on the market, or let us connect you with a professional agent for personalized assistance.
STEP 2

Investor Match-Up

We'll align you with an investor who resonates with the terms of the deal, ensuring a mutual agreement is reached.
STEP 3

Investor-Powered Purchase

The investor purchases the property on your behalf, giving you the freedom to move in, renovate, or rent it out immediately.
STEP 4

Flexible Buyout Plan

Agree to a monthly fee and payment schedule that gradually builds up your ownership in the property, making it truly yours over time.
STEP 5

Finalize Ownership Anytime

Gain full ownership at your pace; we'll facilitate the title transfer once the investor has received the full pre-agreed price.

Eligibility

For buyer
For investor
For property
Eligible buyers should meet all following criteria:
You should be at least 21 years of age.
You need to have at least 10% of the property's value as a down payment. The higher the down payment, the easier it is to match with an investor.
You should be committed to repurchasing the property from the investor within the agreed timeframe.
Both Vietnamese citizens and foreigners can participate.
Eligible investors should meet all following criteria:
You should be at least 23 years old and generally not older than 63 years old.
You need to have stable and sufficient income to qualify for a bank loan (typically evidenced by salary slips, bank statements, business financials etc.)
You should be willing to hold the property until the buyer repurchases it or for the duration of the contract, which is typically at least a few years, depending on the terms of each deal
Both Vietnamese citizens and foreigners can participate.
The property is eligible if it meets all following criteria:
The property must be an apartment, either primary (newly built) or secondary (resale). All types of apartments, which include duplexes, studios and penthouses, and shophouses that are part of projects are eligible.
The property should be located in Ho Chi Minh City or Binh Duong. Properties outside of these places are on a case-by-case basis.
The property should have legal documents that make the property eligible for a bank loan.
The developer or seller should be free from any legal disputes or risks.

Apply now

Fill out the form and we'll get back to you soon
Own your dream home within 2 weeks
Finance up to 90% of your dream home value
Competitive rate!

Frequently Asked Questions

How is my effective "interest rate" determined?

Technically, you are not getting a loan but rather an installment payment plan, so calling it an "interest rate" would not be accurate; however, for simplicity, the effective "interest rate" you will be charged is typically the prevailing bank loan interest rate plus an additional 3% per annum that you will have to pay the investor, but it can be negotiated in certain circumstances.

Can I exit the contract early / buy out the property in advance?

Yes, the buyer can exit the contract early / buy out the property in advance. In fact, this often happens when the buyer can subsequently qualify for a bank loan themselves after having saved up enough deposit for the property after a few years.

To exit early, all the buyer has to do is to pay the investor all the balance amount of the property purchase price, and any other unpaid amounts. Once all payments are settled, the property will be transfered into the buyer's name.

How long does your process take?

The process can be as short as a few weeks to as long as a couple of months. Usually, the delays are in finding a suitable buyer for the investor, and vice versa. 


Whose name will the property title be under?

We will match you with an investor who will provide the financing for the purchase of the property. The property will initially be under the investor's name until you are ready to buyout the property and have paid up the full property price. Meanwhile, you can move in, rent out, or renovate the property as you see fit.

Can I sell the property to someone else during the term of the contract?

Yes, the buyer may sell the property to someone else during the term of the contract so long as all outstanding payable amounts are paid off during the closing process. Note that the buyer is responsible for sourcing for any potential new buyers themselves.

Refer a friend and get paid 10M VND

Know of friends who cannot qualify for a mortgage or who want to make passive income? We'll pay you 10M VND if they join our programme!*

Contact sales today

*To count as a successful referral, the referee has to sign the Investment Agreement

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and more than 50+ other investors

Stories from our clients

UNLOCK EQUITY Mrs. Phuong's Airbnb hosting journey

“Homebase has assisted me in refinancing my business while allowing me to utilize the home. The disbursement process was efficient, straightforward, and dramatically impacted my life.”

BUY WITH INSTALLMENT Mrs. Oanh's duck-farming journey

“Homebase systematically made it feasible for our family. The process was accessible; flexible and only took three months for us to find a place to call home.”

UNLOCK EQUITY Mr. Jonee's owning a home journey

“My ability to establish my own duck farm was a significant point in my life as a Vietnamese farmer in Bau Bang, Binh Duong Province. Homebase was efficient, quick and transparent.”

Award-winning excellence, dedicated to your success

Own your dream home today!

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