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Customers enjoy preferential interest rates

Việt NamViệt Nam06/03/2024


From February 1 to June 30, 2024, Agribank will spend VND10,000 billion to implement a consumer loan program to serve daily needs. Currently, Agribank is applying preferential interest rates from 4%/year for loans up to 3 months; from 4.5%/year for loans over 3-6 months; from 5%/year for loans over 6-12 months; from 6%/year for loans over 12 months for individual customers borrowing consumer loans to serve essential needs such as: buying houses, land, building new houses or renovating, repairing houses, buying essential household items, means of transportation and other consumer purposes.

Agribank dành 10.000 tỷ đồng triển khai chương trình cho vay tiêu dùng ưu đãi lãi suất đối với khách hàng cá nhân. Ảnh: S.C

Agribank has earmarked VND10,000 billion to implement a consumer loan program with preferential interest rates for individual customers. Photo: SC

Similarly, BIDV is also implementing a medium and long-term loan package to serve living needs with a scale of 100,000 billion VND, preferential interest rates from 6%/year, the program implementation period is until December 31, 2024. Customers borrow capital to serve needs such as buying houses, buying cars, consuming, manufacturing and business with real estate as collateral, the minimum loan period is from 36 months to 60 months.

In the private joint stock commercial banking sector, SHB has also implemented the preferential program "Preferential loans - Dragon prosperity" lasting until December 31, 2024 for individual customers with a total capital of VND 18,000 billion. Customers borrowing short-term loans are applied preferential interest rates from 6.89%/year, medium and long-term loans are applied preferential interest rates from 5.99%/year, loan term up to 25 years. To facilitate customers to access capital quickly and conveniently, SHB applies flexible policies, minimizing loan procedures to speed up disbursement for customers.

Mr. Tran Manh Toan (Group 2, Tra Ba Ward, Pleiku City) said: “I am considering borrowing money from the bank to build a house, so I have researched information about medium and long-term consumer credit packages. The current loan limit and preferential interest rates are relatively more affordable than in previous years. Access is also more convenient if customers meet the conditions of credit history and have collateral.”

Mr. Pham Van Thanh (Tay Ha village, Chu Pong commune, Chu Se district) said: "The bank lends for production development and consumer loans at lower interest rates than loans from outside, so I boldly applied for a loan."

Các ngân hàng thương mại chủ động mở rộng cho vay vốn tiêu dùng, đáp ứng nhu cầu của khách hàng cá nhân. Ảnh: S.C

Commercial banks proactively expand consumer lending to meet the needs of individual customers. Photo: SC

In the first two months of 2024, although the mobilization interest rate decreased significantly, the amount of money deposited in the banking system still increased. The total mobilized capital in Gia Lai reached 61,200 billion VND, an increase of 743 billion VND compared to the end of 2023. Capital is abundant but the demand for loans from people and businesses is slow due to the impact of seasonal production factors, economic activities are less vibrant than at the end of 2023. The total outstanding credit balance of the whole province reached 115,500 billion VND, a decrease of 1,104 billion VND compared to the end of 2023.

Preliminary assessment of the banking situation in association with the needs and socio-economic development plans of the locality, Mr. Nguyen Huu Nghi - Director of the State Bank - Provincial Branch - said: "Commercial bank branches proactively promote consumer loans with preferential interest rates to expand lending, support customers, and promptly meet the capital needs of people and businesses. The State Bank - Provincial Branch has directed credit institutions in the area to carry out key tasks according to Directive No. 01/CT-NHNN, ensuring the credit growth target. At the same time, promote the consumer loan program to serve the needs of life with reasonable interest rates, creating favorable conditions for customers to access bank capital, contributing to limiting the situation of usury lending".


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