Overcoming year-end spending pressure

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

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

This explains why the market is flooded with promotions, "super sales," "rock-bottom discounts," etc. However, behind these attractive messages lies a different reality. Most promotional programs have complicated conditions, offer only small discounts, or provide cashback only for subsequent purchases, failing to address immediate cash needs.

The high demand for shopping during Tet (Lunar New Year) will increase the financial burden for many families.

Understanding this, Home Credit Vietnam focuses on finding solutions that deliver tangible value and practical support. The "Exciting Season, Abundant Offers" campaign recently launched by Home Credit Vietnam is a clear example of this.

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

The 800,000 VND subsidy acts as a timely morale boost, helping to alleviate the initial financial burden for consumers.

In fact, Home Credit Vietnam's efforts extend beyond a single 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 everyday expenses, the Home Credit credit card has become a smart and convenient tool with the integration of contactless payments via Google Pay from June 2025, allowing users to pay with just a tap of their phone at stores.

Bao Han

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