Is installment payment available for braces, and which methods apply?
Yes, but installment payment for braces at Dental Fam only applies to brackets, regardless of whether they are metal brackets, self-ligating metal brackets, or ceramic brackets. All three types of brackets use the same installment payment policy; there is no minimum cost or specific conditions for each type.
SMILER and Invisalign clear aligners are outside the scope of installment payments; full payment is required before treatment begins. This difference isn't because clear aligners are ""superior and therefore not eligible for installment payments,"" but rather stems from the operating principle: clear aligners are manufactured as a complete set according to a personalized design from the start of the treatment, while brackets are physical appliances that are gradually attached in stages, making them more suitable for payment in installments.
Are there any fees or interest charges when paying for braces in installments at Dental Fam?
No, there are no interest charges or additional fees when paying for braces in installments at Dental Fam. Essentially, it's just a matter of dividing the remaining total cost evenly over the expected treatment time. This is an internal installment plan, implemented directly at the clinic, not through a bank or any third party, so there are no appraisal fees, processing fees, or interest charges based on a decreasing balance like with typical consumer loans.
The only condition is an initial deposit, equivalent to 30% of the total treatment cost. The remaining amount is then divided equally over the following months. Making a partial deposit upfront helps Dental Fam confirm the patient's commitment to treatment and keeps the monthly installments more reasonable compared to dividing the entire cost upfront.
How is the monthly installment calculated?
The monthly installment is calculated by taking 70% of the remaining total cost after the deposit and dividing it equally by the expected number of treatment months. Because the price and treatment time vary between cases, the actual installment amount will vary accordingly. Below are some examples illustrating the calculation:
| Type of braces | Total cost (example) | 30% deposit | 70% remaining | Treatment time (example) | Monthly installment |
| Metal Braces | 40,000,000 VND | 12,000,000 VND | 28,000,000 VND | 24 months | ~1,167,000 VND |
| Self-Ligating Metal Braces | 55,000,000 VND | 16,500,000 VND | 38,500,000 VND | 24 months | ~1,604,000 VND |
| Ceramic Braces | 65,000,000 VND | 19,500,000 VND | 45,500,000 VND | 30 Months | ~1,517,000 VND |
*The above figures are for illustrative purposes only and are not official price lists or commitments.
However, even the most carefully planned initial schedule is based on assessments at the time of examination. Therefore, if unexpected additional costs arise during treatment, will the signed installment payment plan change accordingly?
What are the steps in the installment payment registration process for braces?
The installment payment registration process for braces at Dental Fam consists of four steps, starting with a consultation on the treatment plan and ending with signing a confirmation before starting the treatment.
-
The doctor will consult and agree on a clear treatment plan and total cost.
-
The financial counseling department will discuss a suitable payment method with the patient.
-
Both parties will agree on the number of installments, the amount for each installment, and sign a confirmation of the plan.
-
Treatment will proceed according to the signed plan.
The entire payment plan is agreed upon in writing before treatment begins, with no additional costs beyond the signed agreement. This is a transparent commitment established from the very first step, not an additional clause after the patient has started the treatment.
Does Installment Payment for Braces Require Bank Procedures or Collateral?
No, installment payments for braces at Dental Fam do not require any bank procedures or collateral. This is an internal installment payment plan conducted directly between the patient and the clinic. No income verification, credit history, or third-party involvement is required in the payment agreement. The only conditions revolve around an initial deposit and a commitment to timely payments according to the signed plan.
This policy applies equally to all ages using braces, including cases of children who have already had all their permanent teeth erupt.
Frequently Asked Questions about Installment Payments for Braces
What percentage deposit is required for installment payments for braces?
The initial deposit is 30% of the total treatment cost. The remaining 70% will be divided equally over the following months according to the expected treatment duration.
Are there any penalties for late installment payments?
The current installment payment policy is confirmed to be interest-free and without any additional fees under normal conditions.
Is there an installment payment option for clear aligners?
No. SMILER and Invisalign clear aligners require 100% payment upfront before treatment begins; there are no exceptions or installment payment options for these two methods.