Bac A Bank supports young people to settle down with preferential loan packages

The trend of younger homebuyers, despite the constant escalation of real estate prices

According to data from the Vietnam Real Estate Market Research Institute (VARS IRE) in the second quarter of 2025, apartment prices in Hanoi and Ho Chi Minh City increased by 87.7% and 48.3% respectively compared to 2019. Notably, apartments in the segment under 3 billion VND have almost disappeared from the market in big cities, while people's incomes have increased much more slowly. This widening gap makes saving to buy a house a big challenge, even for high-income workers.

Despite rising housing prices, the proportion of young people participating in the real estate market tends to grow strongly. A survey from trading floors that are members of the Vietnam Association of Realtors (VARS) shows that the group of customers aged 25-35 accounts for an average of over 40% of total transactions, even in some projects, this rate is up to 70%. This is a group of customers with an independent mindset, prioritizing experience, exploration , and early nurturing the desire to "settle down" to "make a career".

In fact, more and more young people consider buying a house and owning a comfortable living space as a milestone of adulthood, as well as a smart investment for the future. As for married couples,

For young men born in the early 90s and later, buying a house becomes a priority goal 3-5 years after marriage, when they have saved a certain amount of money, started to live realistically and spend more plannedly. A house not only means a stable place to live, but also a foundation for the development of children, building a sustainable family happiness.

VARS IRE believes that the rate of young people participating in home buying is increasing thanks to many favorable factors, including suitable financial solutions that are becoming a bridge to help the dream of settling down no longer become distant. Many young people proactively seek flexible loan packages, preferential interest rates and long terms to realize the goal of owning their first home.

Solution from Bac A Bank - Realizing the dream of settling down

Understanding the needs and market situation, Bac A Commercial Joint Stock Bank (Bac A Bank) introduces a preferential home loan policy exclusively for individual customers up to 35 years old, implemented from now until December 31, 2025.

The highlight of the loan package is the super competitive interest rate - from only 4.5% / year. Loan term up to 40 years with a maximum principal grace period of 5 years, helping young customers easily balance cash flow, proactively plan for themselves, reduce financial pressure in the first years of starting a business.

With access to preferential capital from Bac A Bank, customers can use it for a variety of purposes such as: buying real estate in housing construction investment projects, buying real estate with a Certificate of Ownership, repairing houses. With flexibility in debt repayment plans, accepting collateral as real estate formed from the loan capital..., this policy of Bac A Bank is considered an effective financial lever for young people to confidently embark on the journey of building a home.

Mr. The Trung (32 years old, IT employee in Hanoi) - one of the customers who has just received the loan package, shared: "If I only saved, it would probably take me at least 15 years to buy a house. But thanks to the long-term loan package and preferential interest rates of Bac A Bank, I am confident enough to own my first apartment while still balancing my monthly expenses. Having my own home really gives me an indescribable sense of security and happiness."

It can be seen that the young generation is a group of people with great aspirations and potential, but they are facing huge financial pressure from the real estate market. “In the context of increasingly escalating housing prices and the rate of income growth that is difficult to keep up with, Bac A Bank's preferential home loan policy is designed to become a fulcrum, a practical solution to help young people dare to believe, dare to act, soon reach the seemingly distant dream of settling down, build a warm home and be stable for the future”, Bac A Bank representative affirmed.

For support on loan procedures and more detailed information on credit incentive programs for individual customers of Bac A Bank, please visit the website www.baca-bank.vn, contact the Customer Care Center 1800 588 828 or visit the nearest Bac A Bank branch/transaction office.

Bich Dao

Source: https://vietnamnet.vn/bac-a-bank-ho-tro-nguoi-tre-an-cu-bang-goi-vay-uu-dai-2464786.html