ACB realizes the dream of settling down with an attractive home loan package

After the Lunar New Year, demand for housing increases sharply.

Ngoc Minh, 29 years old, from Ho Chi Minh City, is planning to buy a two-bedroom apartment with a budget of around 3 billion VND. After more than a week of searching, Minh liked a used apartment in Thu Duc City, priced at 3.1 billion VND.

Minh currently has 2 billion VND available and plans to borrow 1 billion VND, equivalent to about 30% of the apartment's value. She intends to borrow the remaining amount from relatives. Sharing her reasons for buying a house now, Minh said that the reduced mortgage interest rates and many attractive policies offered by banks are the driving force behind her determination to realize her dream of owning a home. "If I don't buy a house now, when will I?", Minh said.

Like Ngoc Minh, Pham Sam, 35 years old, from Hoai Duc, Hanoi, has also been looking for a house for over a month. Sam and her husband plan to sell their current apartment and buy a house in an alley in Nam Tu Liem district.

According to Ms. Sam, currently, land and house prices are stagnating, while apartment prices are rising. Meanwhile, mortgage interest rates are almost at rock bottom. This is why Ms. Sam and her husband are no longer overly worried about the pressure of borrowing and repaying debt.

Surveys from numerous real estate market research firms indicate a significant increase in demand for homes after the Lunar New Year. The latest data from PropertyGuru shows that nationwide real estate searches began to rise from the second day of the Lunar New Year and maintained a strong upward trend. By the tenth day of the Lunar New Year, this figure had increased by 124% compared to the week before the holiday.

In January alone, the period leading up to Tet (Lunar New Year), the demand for buying houses and real estate increased by 66% compared to the same period last year. Notably, interest surged in Hanoi and Ho Chi Minh City.

Another market research firm also noted an increase in demand for home purchases and real estate investment. According to this firm, 2024 will see many projects launching with accessible prices and favorable payment policies. Meanwhile, many banks are offering loan packages specifically for the real estate sector with attractive incentives. Simultaneously, real estate prices are considered reasonable by experts, presenting an opportunity for homebuyers to settle down or accumulate assets.

Home loan options with attractive policies fromACB.

Currently, many banks are offering attractive loan packages for the real estate sector. From the perspective of a home buyer, Ngoc Minh said that in addition to low loan interest rates, criteria such as preferential down payment policies and simple disbursement procedures were also considered and evaluated. After researching, Minh decided to choose the home loan package from ACB Bank.

ACB currently offers loans with interest rates starting from 0.6%/month, with an initial fixed interest rate offer of up to 24 months. Loan terms extend up to 25 years. Notably, customers are granted a grace period of up to 12 months for principal repayment. Furthermore, the bank offers a flexible repayment policy tailored to customers' cash flow and income. Accordingly, customers only need to repay 2% of the total loan amount annually. ACB also offers preferential early repayment fees, waiving fees for early repayments up to VND 50 million/month.

Thus, with this policy, homebuyers can rest assured without worrying about the pressure of repaying the principal in the coming years. For homebuyers with stable and good incomes, ACB's loan policy offers a flexible and regular method of early principal repayment without fees. This is a major advantage for homebuyers who can proactively manage their finances.

In particular, the simple, easy, and fast loan application process helps homebuyers realize their dream of owning a home. For more information, please visit https://acb.com.vn/vay-von/vay-mua-nha-dat

Source link: https://thanhnien.vn/acb-hien-thuc-hoa-giac-mo-an-cu-voi-goi-vay-mua-nha-hap-dan-185240310160847579.htm