Overcoming year-end spending pressure

DNVN - The period from now until the end of the year and Lunar New Year will be the time when consumers face a lot of pressure on spending due to high shopping demand.

This is reflected in the recently released "Consumer Survey 2025" by PwC Vietnam, which highlights that financial pressure is becoming a top concern. According to PwC, 48% of Vietnamese consumers see economic instability as the biggest threat in the next 12 months (the highest rate in the Asia- Pacific region), and concerns about inflation and daily spending pressure have made price concern a prominent feature of shopping behavior in 2025.

This explains why the market is flooded with promotional programs, "super sales", "massive discounts"... However, behind the attractive messages is a different reality. Most promotional programs have complicated conditions, only offer small discounts, or the form of refund only applies to the next purchase, not solving the immediate need for cash.

The high demand for shopping during Tet will increase the spending burden for many families.

Understanding that, Home Credit Vietnam focuses on finding solutions that bring tangible value and practical support. The campaign "Bustling season, full of incentives" that Home Credit Vietnam has just launched is a clear proof.

Specifically, from October 1 to January 31, 2026, all customers signing an online cash loan contract with a loan of 20 - 50 million VND will receive a voucher worth 800,000 VND. This amount will be deducted directly from the first payment period.

The VND800,000 support acts as a timely "mental boost", helping to reduce the initial financial burden for consumers.

In fact, Home Credit Vietnam’s efforts do not stop at just one product. The company is striving to build a comprehensive digital financial ecosystem, where each product is designed to serve diverse needs in daily life.

For daily expenses, Home Credit credit card has become a smart and convenient tool when it is integrated with contactless payment via Google Pay from June 2025, allowing users to pay with just one touch of the phone at stores.

Bao Han

Source: https://doanhnghiepvn.vn/kinh-te/vuot-qua-ap-luc-chi-tieu-cuoi-nam/20251015060110138