Agribank helps young people realize their dream of settling down

Proactively implementing the Prime Minister's drastic direction on enhancing housing access for young people, the Vietnam Bank for Agriculture and Rural Development (Agribank) has pioneered the implementation of a special credit package with a scale of up to VND 10,000 billion.

Realize your dream of settling down with Agribank 's special incentive program.

This is not only a clear demonstration of Agribank's urgent and serious participation in concretizing the Government 's major policy, but also a practical action contributing to realizing the dream of settling down for thousands of young workers across the country.

Agribank's home loan program exclusively for individual customers who are civil servants, public employees, and workers up to 35 years old was officially launched from April 2 to December 31, 2025 with many attractive incentive policies to help young people reduce financial pressure in the first years, creating favorable conditions for home ownership.

The program has a scale of up to 10,000 billion VND, applying a fixed interest rate of 5.5%/year for the first 3 years to help young people stabilize their finances when they first borrow. The maximum loan term is 40 years, combined with a policy of exempting principal repayment for up to the first 60 months, helping customers significantly reduce debt repayment pressure in the early stages of starting a business.

Participating in the incentive program, customers can borrow up to 75% of their capital needs 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 their capital needs.

In addition, customers participating in the Loan Program also receive many attractive service fee incentives such as free account management for the first year; free card issuance fee (including debit card, credit card); free annual card fee for the first year; free collection and bill payment on the Agribank Plus application.

The highlight of Agribank's home loan program for young people lies not only in low interest rates or long loan terms, but also in its flexibility and practicality.

With a principal grace period of up to 5 years, Agribank helps young people reduce financial pressure in the early stages of starting a business. The fixed interest rate of only 5.5%/year for the first 3 years, significantly lower than the general market level, is also a competitive incentive, helping customers feel secure in making long-term plans without worrying about interest rate fluctuations.

Agribank's implementation of a special credit package with preferential interest rates, fees and service products will provide comprehensive financial solutions to help customers manage their finances, realize their desire to own a dream home, stabilize their lives, confidently develop and contribute to society.

The preferential credit program exclusively for young people buying houses is a specific, practical and meaningful step in Agribank's journey of accompanying the young generation to settle down and start a career.

Thereby, Agribank not only affirms its pioneering role in the Vietnamese commercial banking system but also demonstrates its profound social responsibility through financial solutions that meet the needs of reality and each specific customer segment.

Source: https://nhandan.vn/agribank-tiep-suc-nguoi-tre-hien-thuc-hoa-giac-mo-an-cu-post869750.html