According to data from the State Bank, by the end of August, outstanding real estate credit had reached more than 4 million billion VND, accounting for nearly 1/4 of the total outstanding debt of the economy . Cash flow has returned to the market. However, instead of choosing speculative and short-term products like the previous period, products with real value and clear legal status have been strongly absorbed in recent times.
The third quarter 2025 market report of a number of market research units shows that apartments account for more than 70% of transactions. This shows a changing trend in the tastes of home buyers, especially from the young customer group, who prioritize living space, instead of focusing on land ownership value like previous generations.
Preferential financial loan packages from credit institutions help young customers with low equity to still have easy access, contributing to increasing good liquidity for this segment.
With the demand for apartments from young customers continuing to remain high, the problem for banks is to both provide financial support to this group of customers and maintain credit discipline to ensure system safety. This requires preferential loan packages to be designed with transparency in cash flow and debt repayment capacity, while prioritizing projects with full legal status, synchronous infrastructure and serving real housing needs.
Mr. Hoang Huy Chuong - Deputy Director of Personal Customer Division - Southeast Asia Commercial Joint Stock Bank SeAbank said: "In the context of the market that may have fluctuations in interest rates, offering a preferential interest rate package of 5.8% per year and stable for 36 months helps customers to easily control costs and not have to worry about unexpected fluctuations in interest rates."
"When a project is not legally compliant, it will be risky, even if there is a stable credit flow, it will be difficult to recover capital for customers and investors. Second is the financial capacity of that investor. We also know that there are many cases where people have invested money, even over 90%, but after decades they still cannot receive the house," said Ms. Pham Thi Mien - Deputy Director of the Vietnam Real Estate Market Research and Evaluation Institute.
According to experts, when cash flows towards housing types that help settle down, with safe legal status, it is not only a sign of stability but also a solid foundation for the real estate market to develop in a sustainable direction in the coming period.
Source: https://vtv.vn/dong-tien-huong-den-bat-dong-san-dap-ung-nhu-cau-an-cu-100251030210103261.htm
Comment (0)