The attraction of BIDV's "Home Loan Package for Young People"

Comprehensive financial solutions for the young generation

Pioneering in implementing the policy of the Government and the State Bank in supporting young people to own houses, in March 2025, BIDV launched a preferential credit package for individual customers up to 35 years old who want to buy or rent a house. This is a loan package with an unprecedented support policy on the market: Fixed interest rate of 5.5%/year for the first 3 years; Exemption from principal repayment for the first 5 years; Loan term up to 40 years.

The special feature of the loan package is that BIDV clearly announces the interest rate after the preferential period, calculated based on the 24-month savings interest rate plus a margin of 3%/year. This transparent orientation helps young people proactively plan long-term finances, control risks, and confidently choose a housing solution.

With a “flexible” financial policy in the first years, the loan package quickly became the top choice for young people looking for their first home. More than 2,500 loans were successfully disbursed in less than two months of implementation - a number that shows the great appeal of this product.

Deputy Head of BIDV Retail Banking Pham Phuong Lan said that through the preferential loan package, BIDV wishes to create the most favorable financial conditions for young people to confidently own their own dream home, take control of their personal finances, build their future career and life, and contribute to the overall development of the country.

Ms. Lan also shared some notes for customers before deciding to take out a home loan: Clearly identify your needs and financial capacity to choose the right loan; Proactively create a specific debt repayment plan, calculate long-term cash flow; Make the most of the 5-year principal grace period to stabilize your income before entering the full debt repayment period. BIDV is always ready to accompany and advise customers to choose the most suitable loan package with the most preferential policies.

Affirming the best home loan brand in Vietnam

BIDV has been honored 6 times with the award for the best housing loan product in Vietnam by the prestigious magazine The Asian Banker.

It is no coincidence that BIDV has been honored by the prestigious international organization The Asian Banker for 6 consecutive years as “The Bank with the best housing loan products in Vietnam”. For more than a decade as a leader in the retail banking sector, BIDV has always maintained its commitment to “Having BIDV means having a home” through continuous improvement and personalization of credit products, especially for the young generation who are starting their journey to independent living.

Ms. Le Thao Uyen (28 years old), a teacher in Hanoi , said, “I learned about BIDV's home loan package through the BIDV Home application to view apartment information, there is a tool to support debt repayment plan calculation, I found it reasonable so I registered for an online loan and received the disbursement after just over a week. Every step is clear, professional and very fast.”

Pham Duy Long (30 years old), a technology employee in Ho Chi Minh City, shared, “I have been renting a house for the past 5 years and have always hesitated to buy a house because I was afraid of the pressure of paying off debt. The BIDV loan package was timely, met my needs, had a fixed low interest rate and a 5-year principal grace period, so I decided to pay right away.”

The home loan package for young people is one of BIDV's practical initiatives to fulfill its role as a companion to society, creating sustainable development momentum for the young generation - those who are playing a central role in the country's socio-economic development.

Customers can easily register for an online loan on the BIDV Home application, go directly to the nearest BIDV branch or contact BIDV's 24/7 Call Center: 1900 9247 for advice and support on procedures and documents quickly - safely - effectively.

Source: https://daibieunhandan.vn/suc-hut-tu-goi-vay-mua-nha-cho-nguoi-tre-cua-bidv-10372724.html