ACB reduces loan interest rates for business households by 2% per year.

(Chinhphu.vn) - Amidst rising market interest rates and concerns about increasing capital costs for many businesses, ACB, with the goal of always supporting its customers, has automatically reduced loan interest rates by up to 2% per year for business households. This decision has helped alleviate the cash flow pressure for businesses at the end of the year.

ACB 's "Automatic Loan Interest Rate Reduction" program has helped many businesses reduce their financial pressure.

The end of the year is always a "golden season" for businesses: more orders, better revenue, but this also brings a series of sharply increased costs such as inventory, working capital, employee salaries and bonuses, rent, transportation costs, etc.

Many shop owners find themselves selling more but with thinner profit margins due to escalating interest and operating costs. In this context, ACB's "Automatic Loan Interest Rate Reduction" program becomes a practical solution, providing immediate relief for businesses.

Instead of having to search for new loan packages or negotiate complicated interest rates, business owners only need to do one very simple thing: choose ACB as their main account to receive sales revenue every day.

ABC decided to reduce interest rates and leverage its existing cash flow.

The program mechanism is designed to closely follow the "rhythm of life" of business households. The more daily revenue – from QR code scanning, bank transfers, to end-of-day cash receipts – is concentrated in the ACB account, the higher the average balance of current account deposits (CASA). This cash flow becomes the "lever" for the bank to automatically reduce loan interest rates for the next period, meaning the more revenue goes to ACB, the lower the interest rate the customer has to pay, with preferential rates that can reach up to 2% per year.

The program helps business owners "transform daily cash flow into real financial benefits," maintaining flexibility for working capital while reducing interest costs without locking up cash or launching complex new products.

The entire registration and tracking process for the offer is done online on the ACB ONE app, making it transparent and easy to monitor. Customers can still proactively manage their cash flow for purchasing goods, paying expenses, salaries, etc., while the interest rate reduction is automatically applied by the system for each loan term.

In addition, the program also comes with many practical benefits such as free early repayment for some loan products, reduced property appraisal fees, and a simple, quick application process – small but significant support measures that make a noticeable difference for businesses that always have to carefully calculate every expense. These small details are very important for businesses that always have to consider every penny spent.

ACB's programs help business households optimize their operations in this new phase.

When banks truly understand the concerns of business owners.

What makes ACB's program highly regarded is its perfect fit for the practical operations of household businesses. Ms. LTH, the owner of a food store in Ho Chi Minh City, said: "My store's cash flow is constant every day. I've always wanted to reduce my loan interest rates, but I couldn't put the money in a savings account because I needed to keep it circulating. This program is great because: I just need to deposit the sales revenue into my ACB account, without doing anything else, and I still get a reduced interest rate."

According to her, the method of calculating incentives based on daily recorded balances accurately reflects the actual business rhythm, helping business households benefit without having to change their habits or be bound by any restrictions.

Beyond simply reducing interest rates, ACB also supports business households in operating more systematically amidst increasingly stringent tax and revenue management regulations. Alongside financial solutions, the bank proactively works alongside business households to adapt to the new requirements of regulatory agencies.

In Ho Chi Minh City, Da Nang, and Khanh Hoa, ACB collaborates with tax authorities to support business households in implementing electronic invoices, promoting cashless payments, managing revenue transparently and in accordance with regulations, and resolving issues directly at the point of sale. This collaborative model will also be implemented in Hanoi in the near future.

In addition, ACB provides a complete digital operational solution including sales software, electronic invoices, digital signatures, and transaction management tools, helping to reduce errors, save time, and increase proactiveness in meeting new management requirements.

Notably, from now until March 31, 2026, the bank is offering promotional packages starting from only VND 499,000 - VND 790,000, integrating all the necessary tools for businesses to undergo digital transformation at a low cost.

The combination of an automatic loan interest rate reduction mechanism, sales management solutions, electronic invoice and tax support, and a convenient digital banking platform has created a relatively comprehensive support ecosystem for household businesses – something that not many banks currently achieve.

In the context of rising market interest rates, ACB's proactive reduction of interest rates by up to 2% per year is not just a promotional program, but also a strong commitment: to stand alongside businesses, especially during the most important peak season of the year.

To learn more about the "Automatic Loan Interest Rate Reduction" program, customers can refer to the information here, visit the nearest ACB branch/transaction office, or contact the 24/7 Contact Center: 028 38 247 247.

Le Thanh

Source: https://baochinhphu.vn/acb-giam-2-nam-lai-vay-cho-ho-kinh-doanh-102260206151822526.htm