In recent years, studying abroad is no longer an isolated choice but has gradually become a trend for many Vietnamese families. From high school and undergraduate programs to postgraduate studies and specialized research, the number of students studying abroad has continuously increased.
Along with the desire to access advanced education comes increasing financial pressure, as the cost of studying and living abroad often spans many years, requiring a stable source of funds.
Beyond studying abroad, the demand for investment in high-quality education, international training programs, specialized training, and scientific research is also increasing significantly within the country. Education is no longer simply an expense, but is considered a long-term investment in the future.
Therefore, access to flexible, transparent, and tailored financial solutions for knowledge-related expenses becomes a key factor, helping learners and their families reduce pressure and be more proactive in their journey to accumulate sustainable value.
Education - a long-term investment and the funding challenge.
Unlike short-term consumer needs, investments in education typically span many years and have no fixed end point. A study abroad program can cost hundreds of thousands of dollars, not including additional expenses during the course of study, research, and living. Even for domestic training programs, especially international or specialized ones, the total cost is a significant amount for most families.
This reality forces many families to carefully consider the balance between their current financial capacity and long-term educational goals. In many cases, even with the student's abilities and ample educational opportunities, plans are disrupted due to a lack of stable funding. This is precisely the gap that specialized financial solutions for education need to fill.
In this context, PGBank is launching the "Investing in Knowledge - Empowering the Future" credit product, focusing on the learning, training, and scientific research needs of individual customers.
Instead of approaching education as a typical consumer loan, the product is designed to be flexible, suitable for various learning scenarios, from short-term training courses domestically to long-term study abroad programs.
The "Invest in Knowledge - Empowering the Future" credit product is designed to be flexible and suitable for various learning scenarios (Photo: PGBank)
For customers with stable incomes and good credit histories, unsecured loans offer faster access to capital and reduce procedural burdens.
Meanwhile, secured loans are geared toward larger, longer-term educational plans, allowing customers access to higher credit limits and loan terms that fit their family's cash flow. This tiered approach quite clearly reflects the specifics of education spending, where each educational plan has a different scale and level of commitment.
Furthermore, the issuance of credit cards, with or without collateral, expands affordability during studies. Credit cards not only help cover tuition fees but also meet living expenses and other costs incurred during studies, especially useful for international students in a global environment where cashless transactions are increasingly common.
Financial support on your journey to accumulating knowledge.
Unlike narrow-purpose loans, the funding from PGBank's "Invest in Knowledge - Empowering the Future" product is designed to comprehensively cover legitimate expenses related to learning and knowledge development, including tuition fees, training fees, living expenses during studies, examination fees, scientific research fees, and other reasonable expenses, applicable to both domestic and international studies.
As a result, students and their families can be more proactive in managing their budgets, avoiding financial shortages midway through the course.
One distinguishing feature of PGBank's solution is that the loan eligibility is not limited to the student themselves. Parents, guardians, or legal relatives can also borrow funds to support their children, provided they meet the age, legal capacity, income, and credit history requirements. This is particularly relevant in Vietnam, where decisions about investing in education are often made by the entire family, not just the individual student.
From the bank's perspective, the product is implemented with a transparent process and strict risk control, ensuring safety for both customers and the credit institution. Linking loans to specific study plans also contributes to forming responsible loan usage habits, in line with financial capacity and long-term goals.
From a broader perspective, specialized credit products for education demonstrate a shift in the approach of financial institutions. Instead of focusing solely on lending, banks are increasingly emphasizing their role in partnering with and supporting customers in investing in sustainable values such as knowledge and human resources.
In the context of Vietnam's deep integration into the global economy, the demand for highly qualified, skilled, and internationally-minded human resources is growing. Therefore, investing in education is not only of personal significance but also linked to the long-term development of society.
“With the product 'Investing in Knowledge - Empowering the Future', PGBank not only provides a financial solution but also affirms its commitment to accompanying customers on their journey of investing in knowledge, opening up opportunities for sustainable development for individuals, families, and society,” a representative of the bank shared.
With the "Invest in Knowledge - Empowering the Future" loan product, customers can borrow up to 4 billion VND, with interest rates starting from only 6.2% per year and loan terms extending up to 120 months. For credit cards, the maximum limit granted is up to 1 billion VND, and cardholders also receive a free annual fee for the first year.
For detailed information about the program, customers can visit the website: pgbank.com.vn
Source: https://dantri.com.vn/kinh-doanh/dau-tu-cho-tri-thuc-trong-ky-nguyen-hoi-nhap-loi-giai-tai-chinh-tu-pgbank-20251219093322644.htm
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