Accordingly, from April 2, 2025 to December 31, 2025, individual customers who are civil servants, public employees, and workers up to 35 years old who need to borrow capital from Agribank to buy a house will be able to use the house they intend to buy as collateral. In particular, the flexible principal repayment mechanism allows customers to pay small amounts in the first years, then gradually increase according to actual income, helping to reduce initial financial pressure.
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| Program introduction poster. |
Customers who fully meet the lending conditions according to current regulations of Agribank and the program's regulations will be able to borrow up to 75% of the capital demand when mortgaging the assets formed from the loan capital. In particular, in cases where customers have collateral other than the assets formed from the loan capital, customers can borrow up to 100% of the capital demand.
Maximum loan term of 40 years, suitable for long-term financial plans of many customers. Customers are exempted from principal repayment for up to the first 60 months, helping to reduce initial debt repayment pressure.
Preferential interest rate applies a fixed interest rate of 5.5%/year for the first 3 years, creating favorable conditions for customers to stabilize their finances.
In addition, customers borrowing capital under this program also enjoy many other incentives when borrowing capital under this program such as: free account management fee for the first year; free card issuance fee (including debit card, credit card); free annual card fee for the first year; free collection fee, bill payment on Agribank Plus application...
With preferential interest rate policies, fees and service products, the Home Loan Program for Young Customers provides comprehensive financial solutions to help young people manage their finances, realize their desire to own a dream home and stabilize their lives.
Source: https://baodaklak.vn/kinh-te/202504/agribank-ho-tro-nguoi-tre-mua-nha-dbe0537/
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