After Lunar New Year, demand for buying houses increased sharply
Ngoc Minh, 29 years old, Ho Chi Minh City, is planning to buy a 2-bedroom apartment with a budget of about 3 billion VND. After more than a week of searching for a house, Minh agreed to a used apartment in Thu Duc City, with a price of 3.1 billion VND.
Minh currently has 2 billion VND and plans to borrow 1 billion VND, equivalent to about 30% of the apartment's value. Minh plans to borrow the remaining amount from relatives. Sharing the reason for buying a house now, Minh said that the reduced interest rate on home loans and many attractive policies launched by banks are the motivation for her to make her dream of settling down come true. "If I don't buy a house now, when should I wait?", Minh said.
Like Ngoc Minh, Ms. Pham Sam, 35 years old, from Hoai Duc, Hanoi has also been looking for a house for over a month now. The plan of Ms. Sam and her husband is to sell the apartment they are living in and find a house in an alley in Nam Tu Liem district to buy.
According to Ms. Sam, at present, real estate prices are stagnant, apartment prices are increasing. Meanwhile, interest rates for home loans have almost "hit rock bottom". This is the reason why Ms. Sam and her husband are no longer too worried about the pressure of borrowing and repaying debt.
Surveys by many real estate market research units show that the demand for buying houses after Tet has increased sharply. The latest data from PropertyGuru Company shows that the number of real estate searches nationwide started to increase from the second day of Tet and continued to increase quite strongly. By the 10th day of Tet, this index increased by 124% compared to 1 week before Tet.
In January alone, the period before Tet, the demand for buying houses and real estate increased by 66% compared to the same period last year. Notably, in Hanoi and Ho Chi Minh City, the level of interest increased sharply.
Another market research unit also commented on the increasing demand for home buying and real estate investment. According to this unit, 2024 is the time when many projects will launch products with accessible prices and good payment policies. Meanwhile, many banks have launched separate loan packages for the real estate sector with many preferential and attractive policies. At the same time, real estate prices are assessed by experts to be at a reasonable level, an opportunity for home buyers to settle down or accumulate.
Home loan with attractive policy of ACB
Currently, many banks are launching loan packages for the real estate sector with attractive interest rates. From the perspective of a home buyer, Ngoc Minh said that in addition to low loan interest rates, criteria such as preferential prepayment policies, simple disbursement procedures, etc. were presented and evaluated by her. After the survey, Minh decided to choose the home loan package of ACB bank.
ACB is currently lending at an interest rate of 0.6%/month, with a preferential fixed interest rate for the first period of up to 24 months. Loan term is up to 25 years. In particular, customers are granted a loan grace period of up to 12 months. In addition, this bank has launched a flexible repayment policy, suitable for customers' cash flow and income. Accordingly, customers only need to pay the principal of 2% of the total loan amount each year. ACB also offers preferential early repayment fees, free of charge for early repayment up to VND 50 million/month.
Thus, with this policy, home buyers can be completely assured without worrying about the pressure of paying off the principal over the years. As for home buyers with stable and good income, ACB's lending policy offers a method of paying off the principal early, regularly and flexibly without any fees. This is a big plus for home buyers to be able to proactively manage their financial cash flow.
In particular, the loan procedure is simple, easy and quick, helping home buyers realize their dream of settling down. For more information, please visit https://acb.com.vn/vay-von/vay-mua-nha-dat
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