Amidst the dynamic and modern lifestyle of megacities like Hanoi and Ho Chi Minh City, the problem of managing rental costs is increasingly becoming a concern for many young people. Each month, a significant amount of money is spent on housing - which is an essential need but does not create long-term ownership value. This raises a big question: Is there a financial solution that can both help settle down and create valuable assets for the future?
With the loan package to buy apartments and townhouses from International Bank ( VIB ), the answer is found in a strategic choice: Smart home loan, turning monthly spending cash flow into a sustainable investment.
From rent costs to the desire to own
It is not difficult to see that the cost of renting a house in Hanoi and Ho Chi Minh City is high and continues to increase. In Hanoi, the rent for a basic 2-bedroom apartment in densely populated districts such as Cau Giay, Thanh Xuan or Dong Da can range from 8 million to over 15 million VND per month. Similarly, in Ho Chi Minh City, to rent a similar apartment in areas such as Binh Thanh, Phu Nhuan or District 7, young people have to pay from 9 million to over 20 million VND. This means that each year, a young family has to spend from 100 million to over 200 million VND on rent - a large amount of money but does not create any ownership value.
Many young people today have had a strong shift in thinking: instead of letting their monthly cash flow go to rent, they proactively seek to turn it into an investment in real estate - a tangible asset with the potential to increase in value over time. This change stems from the increasingly deep awareness that a home is not simply a place to return to, but also a valuable asset, a strategic investment channel for the future.
This legitimate desire for ownership, especially for young people who are on the path to building an independent life, requires a solid financial leverage. Deeply understanding that need, right from the end of the first quarter, VIB pioneered in researching and launching a breakthrough financial solution package with a scale of up to 45,000 billion VND, to help young people's dream of settling down.
Not focusing on short-term incentives, VIB's apartment and townhouse loan packages help customers build a transparent, simple and consistent long-term loan roadmap from the beginning. Customers can visualize their cash flow in detail each month, proactively plan to pay more when possible, as well as predict different financial scenarios.
Apartment and townhouse loan package from VIB: Superior financial solution for first home
No longer rigid loan packages with strict conditions, current home loan products focus on flexibility, transparency and understanding of customers' actual needs. VIB's apartment and townhouse loan packages have impressed the market with their flexible principal repayment policy since their launch. In particular, for first-time home buyers, VIB applies a breakthrough policy: borrow 1 billion, pay only 1 million VND/month (equivalent to 0.1% of outstanding debt) for the first 5 years, 0.2% - 0.3% of outstanding debt for the next 10 years or choose to waive principal repayment completely for 5 years.
This solution significantly reduces initial financial pressure, enabling young people to confidently own their first home, while also having more resources for other personal plans, in line with the expected gradual increase in income.
VIB's loan package also offers many attractive incentives with competitive interest rates of only 5.9%/year (fixed for 6 months), 6.9%/year (fixed for 12 months), 7.9%/year (fixed for 24 months), transparently applied, without cross-selling conditions. The maximum loan rate is up to 85% of the apartment value for up to 30 years. In particular, customers can repay the principal in advance up to 25 million VND/month (equivalent to 300 million VND/year) without penalty, free of charge for early repayment from the 5th year.
From Rent to Mortgage: A Smart Calculation
Let’s do a simple calculation. If you are renting an apartment for 10 million VND/month, after 5 years, you will have paid 600 million VND without owning anything. With VIB’s loan package, with the same amount or just a little more each month, you can pay for your own house. That money is not lost but is gradually transformed into tangible assets, capable of increasing in value over time.
Ms. Hoang Mai Phuong (29 years old, technology expert in Hanoi) shared: “At first, I also thought I would have to save for a few more years. But when I sat down to calculate, VIB's flexible loan package allowed me to own my dream apartment immediately. The monthly installment is only slightly higher than the old rent, but in return, I have my own property and the potential for future price increases. This decision really helped me optimize my cash flow and save a lot of opportunity costs."
Similarly, Mr. Le Thanh Dat (26 years old, sales staff in Ho Chi Minh City) said: "Instead of paying 8 million VND in rent per month, now with support from VIB, I only need to pay 1 million VND in initial principal plus interest to be able to have my own apartment in my name. The peace of mind and feeling of owning my own home is wonderful."
In the context of a market that is always full of potential fluctuations, owning real estate with the right financial strategy at the right time will help young people not only settle down but also proactively seize opportunities to accumulate long-term assets. VIB's loan package to buy townhouses and apartments is not simply a loan, but an affirmation of the commitment to accompany customers on the journey to stabilize their lives, invest for the future and improve the value of life.
Thu Ha
Source: https://congthuong.vn/an-cu-truoc-tuoi-35-muc-tieu-trong-tam-tay-voi-goi-vay-mua-can-ho-nha-pho-tu-vib-390059.html
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