Banks are continuously launching preferential loan packages, a "golden" opportunity to help young people settle down.

Under the direction of the Government and the State Bank of Vietnam, many commercial banks have proactively adjusted and lowered lending interest rates and launched a series of preferential credit packages for residential real estate. This is expected to help people, especially young people, have the opportunity to own their dream home. As a result, the real estate market in 2025 is also expected to experience more positive growth.

According to market research organizations, the demand for home ownership in Vietnam has been steadily increasing in recent years, especially among young people. With rapid urbanization, young people are increasingly inclined to settle down to stabilize their lives and develop their careers. However, apartment prices in major cities like Hanoi and Ho Chi Minh City continue to rise, with average prices ranging from 60-80 million VND/m². To own a 70m² apartment, buyers need 4-5 billion VND, a considerable sum for most workers. This makes the need for home loans more urgent than ever.

To date, many commercial banks have proactively launched credit product packages with preferential interest rates, long loan terms, suitable loan limits, and flexible repayment options. A prime example is Orient Commercial Bank (OCB ), which is currently offering home loan packages with interest rates starting from only 5.5% per year, loan terms up to 360 months, and a maximum loan limit of 5 billion VND. In addition, OCB provides various customer support policies throughout the loan process, with a team of professional consultants helping customers develop optimal financial plans, choose flexible repayment options based on actual income, and reduce financial pressure.

OCB offers preferential home loan packages with interest rates starting from only 5.5% per year, loan terms up to 360 months, and a maximum loan limit of 5 billion VND.

Mr. Minh (currently working in Hanoi) shared that he and his wife have long harboured plans to buy a house and are currently using a preferential loan package at OCB to realize their dream of owning a home. “My family plans to borrow 2 billion VND, covering more than 50% of the apartment's value, with a preferential interest rate. Given the potential for continued increases in real estate prices, this is a reasonable option to help us own our own home sooner,” Mr. Minh added.

According to a December 2024 customer survey by One Mount Group's Market Research and Customer Insights Center, homebuyer sentiment is showing positive signs. Specifically, over 80% of respondents expressed a desire to own a home (a 15% increase compared to the same period last year), with 50% of customers currently considering and actively preparing for transactions in 2025-2026.

“With positive signals from the financial market, this is considered the ideal time for us to confidently make the decision to buy a house. The implementation of attractive home loan packages from banks not only helps people realize their dream of owning a home but also contributes to boosting the real estate market after periods of stagnation,” shared Ms. Lan Huong (a private investor living and working in Ho Chi Minh City).

Source: https://nhandan.vn/ngan-hang-lien-tuc-tung-goi-vay-uu-dai-co-hoi-vang-giup-nguoi-tre-an-cu-post870723.html