This is an indispensable link, connecting buyers, sellers and credit institutions, helping to minimize risks for all three parties involved in the transaction.

Notary Office - "Crossroads" of law and finance

A notary office is an independent organization, operating under the authorization of the state with the main task of certifying and confirming the authenticity and legality of transactions, contracts and documents in financial transactions, especially transactions related to real estate loans. For borrowers, a notary office is not only a certification organization but also a solid "legal foundation" ensuring the legality and safety of all transactions. Notarization of loan documents, home purchase contracts, or property mortgage transactions at banks are all mandatory procedures to protect the rights of borrowers.

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In addition, the notary office also ensures that the entire loan transaction process is carried out in accordance with legal regulations, from the contract signing stage to the mortgage registration stage. This brings transparency, clarity and fairness to both the bank and the borrower. With the support of the notary office, borrowers can rest assured that their rights will be protected throughout the complex financial transaction process.

Notary fees often vary depending on the transaction value, and there are other costs associated with home loans such as loan processing fees, mortgage registration fees, etc.

Working process with notary office - "Ladder" to legalize assets

When participating in a home purchase and sale transaction, the process of working with a notary office is not only a mandatory step but also an important factor in certifying the authenticity/legality of the contract and sale transaction, ensuring transparency and safety throughout the transfer process.

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This process includes the following basic steps:

- Prepare complete documents: Buyers and sellers must prepare all necessary documents such as land ownership certificates (red books), sales contracts, personal documents and other relevant documents. Ensuring complete and accurate documents helps minimize legal risks and avoid prolonging processing time.

- Contact and make an appointment: To ensure the process is on schedule and avoid waiting, the parties need to proactively contact the competent notary office in the area related to the transaction. This not only helps optimize time but also helps the parties to better control the progress of the transaction.

- Contract notarization: At the notarization session, the notary will carefully check the legal documents, ensuring that the transactions fully comply with the provisions of the law. After confirming the legality, the notary will proceed to authenticate the contract. This ensures that all terms in the contract are legally valid, protecting the rights of the parties involved.

- Payment of notary fees: After successful notarization, the parties must fulfill their obligations to pay fees such as contract notarization fees, service fees and costs related to property ownership and mortgage registration.

The loan journey is more convenient with preferential loan packages from banks

When the home purchase transaction has been legally secured, finding a suitable financial solution to own a dream home becomes more necessary than ever. According to a survey, the market currently has many preferential home loan packages with different policies, notably the loan package of KasikornBank Public Limited Company (KBank) Ho Chi Minh City Branch - a "valuable" choice not only because of competitive interest rates but also thanks to significant cost incentives.

The highlight of the loan package from KBank is the refund of application processing fees up to 20 million VND, a significant amount to act as a "leverage" to help borrowers overcome initial costs.

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Instead of facing the pressure of legal fees, borrowers can take advantage of this fee waiver to invest in other important aspects of the house such as interior decoration, upgrading living space or making necessary renovations. The fees that are refunded include: appraisal fee, mortgage contract notarization fee, mortgage registration fee, legal fee. In particular, KBank also waives fire insurance fee during the loan period, all of which are supported to minimize the financial burden for customers.

In addition, KBank offers an interest rate incentive of only 6.25%/year, fixed for the first 3 years, an interest rate that is considered the most competitive in the market today. With a stable interest rate over a long period of time, customers can rest assured to make long-term financial plans without worrying about interest rate fluctuations. This brings initiative, flexibility and helps borrowers easily grasp the opportunity to own their dream home more conveniently than ever.

Details of KBank's home loan incentive program at: https://kbankwbg.co/3WFZx8u

Register for KBank home loan information at: https://kbankwbg.co/46YuMAh

Phuong Dung