ACB: Home loans with attractive interest rates.

The loan packages currently being implemented byACB help alleviate financial pressure and support customers in seizing opportunities to own homes and settle down.

ACB's initiatives help alleviate financial pressure and support customers in seizing opportunities to own a home - PHOTO: ACB.

Good interest rates are the best.

With mortgage interest rates remaining below 10% per year and the government implementing preferential credit support programs, experts believe that current interest rates are at their lowest level in 20 years.

In addition, the amended Real Estate Business Law places higher demands on developers while protecting the rights of homebuyers. This has led some investors to be more optimistic about the real estate market, hoping to ride the wave of a new cycle.

As shared by Ms. H.My, someone with experience borrowing from banks to buy real estate: "I usually consider borrowing from banks based on interest rates first, in order from lowest to highest, fixed interest rate duration, variable interest rate, and then approach the consulting team to consider and choose the most suitable loan package."

Customers can also choose a fixed interest rate for the first loan term of up to 60 months (5 years), with a fixed interest rate of 8.5%/year for the first term - PHOTO: ACB.

For example, ACB Bank always allocates budget to implement preferential interest rate packages to help customers easily access loans at the bank with reasonable interest costs.

Specifically, with the "Preferential Loan - Worry-Free Interest" program, with a program limit of up to 4,000 billion VND, "The Bank for Every Household" has offered attractive interest rates, with loan interest rates starting from only 8.5%/year – fixed for the first 5 years of the loan (disbursement period from today until the end of 2024).

Home loan: Seeking more peace of mind

Besides interest rates, financial and banking experts also advise homebuyers to pay attention to other issues such as repayment terms, principal and interest payments that suit their financial capacity, and the flexibility of the loan package.

Currently, banks are lending at a rate of 70% - 80% of the house value. Because the loan amount is usually large and the repayment period is long, people need to consider their overall needs and repayment schedule that suits their income to ensure they can repay the loan and interest when due.

Customers can choose to repay their principal monthly or every six months using either equal installments or a tiered repayment plan - PHOTO: ACB

Accordingly, people can refer to loan packages from ACB that offer peace of mind. In addition to choosing a long loan term that suits their cash flow, customers can also choose a fixed interest rate for the first loan period of up to 60 months (5 years), with a fixed interest rate of 8.5% per annum for the first period.

With loan terms up to 25 years and a fixed interest rate for the first period of up to 5 years, flexible principal repayment methods allow customers to choose monthly or less than 6-monthly repayment schedules using equal installments, tiered installments (increasing by 10%-20% per year), or according to their cash flow, giving them peace of mind and control over their principal and interest repayment plan.

As a bank, in addition to providing suitable financial solutions, ACB also supports other necessary legal procedures as required by law, not only to maintain peace of mind for customers and to offer financial plans tailored to their needs, but also to ensure a smooth and convenient loan and principal repayment process for both parties.

To learn more about home loan packages, individual customers can visit the website https://acb.com.vn/vay-von/vay-mua-nha-dat or visit the nearest ACB Branch/Transaction Office or the 24/7 Contact Center: 028 38 247 247.

Source: https://tuoitre.vn/acb-vay-mua-nha-voi-lai-suat-hap-dan-20241122171351191.htm