VPBank "supports" industrial real estate demand with loans...

VPBank's loan products for leasing and purchasing real estate in industrial parks and industrial clusters are very popular with small and medium enterprises because they help businesses easily solve their real estate leasing and purchasing needs in this area in an optimal way.

New opportunities from the wave of renting/buying real estate in industrial parks and industrial clusters

Despite fluctuations in the domestic and international economies , the demand for factory expansion, leasing or purchasing production land of domestic and foreign enterprises in industrial parks and industrial clusters is constantly increasing, showing that this is a potential segment if credit institutions know how to take advantage of the opportunity.

The demand for renting and buying industrial real estate is increasing while businesses are facing difficulties in investment capital.

Along with the increasing demand for renting/buying industrial park real estate, business support policies have also had many positive changes, opening up more room for development for the manufacturing sector. Notably, according to Resolution 198/2025/QH15 passed by the National Assembly , newly established enterprises in the period from May 17, 2025 to December 31, 2027 will be exempted from corporate income tax within the first 3 years from the time of generating taxable income. This policy aims to encourage startups, attract investment in priority areas such as supporting industries, high technology, innovation and investment in industrial parks and key economic zones. Tax exemption not only helps enterprises have more resources to invest in expanding production, but also contributes to promoting the demand for renting/buying land in industrial parks and industrial clusters - which are considered the focal point for the wave of industrial development in the coming time.

Through the process of contacting and working directly with investors of industrial parks, industrial clusters and corporate customers, VPBank has realized that an obstacle holding back many customers is the initial investment capital, especially capital for leasing/purchasing real estate. The initial investment capital for real estate is not small, if businesses use their own capital, they will lose many business opportunities, so most businesses will tend to borrow from banks to pay for this amount.

The difficulty that businesses face when applying for a bank loan is the collateral for the loan. Most banks require businesses to have other collateral instead of accepting the real estate in the industrial parks and industrial clusters that the business wants to rent/buy. This has almost become the main bottleneck for businesses.

To solve this problem, since 2024, VPBank has officially introduced a loan product for leasing and purchasing real estate in industrial parks and industrial clusters with a flexible funding mechanism, allowing customers to use the property rights arising from land lease/purchase contracts (including land with annual payment) as collateral. This is a breakthrough in credit thinking, bringing clear benefits to both land lessees and investors. After nearly 1 year of implementing this product package, VPBank has been supporting hundreds of businesses in need with a disbursement amount of about VND 2,600 billion.

Flexible capital solutions, businesses seize opportunities to expand business easily

VPBank's loan product for leasing and purchasing industrial park and industrial cluster real estate is a complete financial solution, closely following the entire production development journey of the enterprise from leasing/purchasing land, investing in factory construction to production operation.

Customers can borrow to pay for rent/purchase of real estate in industrial parks and industrial clusters; borrow to invest in and repair assets attached to land; borrow to supplement working capital for production and business with interest rates from only 0.6%/month - the most attractive rate on the market today, with loan terms up to 20 years.

The most outstanding point of the solution that VPBank offers is that it accepts as collateral the lease or purchase contract of industrial park or industrial cluster real estate with annual payment and a grace period of up to 18 months for customers who want to build new or renovate factories, helping to reduce financial pressure for businesses in the early stages of operation. The credit limit can be up to 70% of the contract value, helping businesses not only not have to prepare too much counterpart capital for real estate but also not need to find other assets to mortgage for the loan.

The effectiveness of this policy has been proven through the successful disbursement story of a typical customer. That is a pesticide manufacturing company headquartered in the industrial park of Long An province. The company has planned to build a new factory to expand its supply capacity for the domestic and export markets.

VPBank has provided a credit package of over VND100 billion to this enterprise, in which the collateral is the right to lease industrial park land with annual payment and the items are construction works on the land. Based on its financial situation and balancing with other loans, the enterprise has chosen a loan term of 10 years, disbursed according to the actual construction progress. Thanks to the preferential interest rate policy and no additional collateral requirements, the enterprise estimates that it will save about VND2 billion in financial costs during the loan period compared to having to use other assets as collateral. From a medium-sized manufacturer, the company is growing to a large scale with a sustainable growth rate, thanks to timely investment decisions and reasonable use of credit capital.

VPBank representative shared: “We believe that supporting businesses to access loans conveniently will create positive changes not only for the businesses themselves, but also for the local economy. Along with the Government's new tax exemption policy, VPBank expects that industrial parks and industrial clusters will become a launching pad for many potential businesses, improving domestic production capacity and expanding to foreign markets.”

VPBank also identifies its pioneering role in providing financial solutions to serve the manufacturing business community, especially in industrial parks, which are becoming strategic destinations for many domestic and foreign investors.

For more information, please contact hotline 1900 234 568 or visit https://www.vpbank.com.vn/uu-dai/sme/vay-mua-bds-kcn

Source: https://baodaknong.vn/vpbank-tro-luc-nhu-cau-bat-dong-san-khu-cong-nghiep-bang-von-vay-linh-hoat-256257.html