ACB: Home buyers can rest assured with fixed loan interest rates for up to 5 years

Home loans with attractive interest rates, customers can choose a fixed term for the first loan interest rate from 3-5 years; simple procedures; flexible. The loan packages being implemented by ACB contribute to sharing financial pressure, accompanying customers to seize the opportunity to own a house, settle down and work. Opportunity to realize the dream of buying a house According to a survey at commercial banks in early November 2024, the common home loan interest rate currently fluctuates between 6.5% -9.5%/year depending on the fixed term of the first loan interest rate. With the home loan interest rate maintained below 10%/year and the Government implementing preferential credit support programs, experts also commented that the current interest rate is at a 20-year low. In addition, the Law on Real Estate Business (amended) requires higher requirements for investors, while protecting the rights of home buyers. This has made some investors more optimistic about the real estate market. Accordingly, they expect to be able to catch the wave of the new cycle. ACB believes that this is a good opportunity for customers to take advantage of preferential loan packages to realize their dream of buying a house, with extremely preferential interest rates.

As shared by Ms. H.My, a person who has experience in borrowing from banks to buy real estate, "I often consider borrowing from banks based on the interest rate criteria first, in order from low to high, fixed interest rate for how long, floating interest rate, then approach the consulting team in turn to consider choosing the most suitable loan package". For example, with ACB, the bank always allocates a budget to implement preferential interest rate packages to help customers easily access loans at the bank with reasonable interest costs. Specifically, with the program "Preferential loans - Peace of mind interest", the program limit is up to 4,000 billion VND, "Bank for everyone" has brought attractive interest rates, loan interest rates from only 8.5%/year - fixed for the first 5 years of the loan (disbursement time from today until the end of 2024). Home loans, looking for more peace of mind besides interest rates Besides the interest rate story, experts in the field of finance and banking also recommend that home buyers pay attention to other issues such as repayment time, principal and interest payment in accordance with financial capacity and flexibility of the loan package. Currently, banks are lending at a loan rate of 70% - 80% of the value of the house. With the loan amount often being large and long-term, people need to consider the overall needs, periodic repayment plan suitable to the customer's income to ensure payment of debt and interest when due.

Accordingly, people can refer to the loan package from ACB to bring peace of mind, in which customers, in addition to choosing a long loan period, suitable for their cash flow, can also choose a fixed interest rate for the first period of up to 60 months (5 years) with a fixed interest rate for the first period from 8.5%/year. With a long loan period of up to 25 years and a fixed interest rate for the first period of up to 5 years, a flexible principal repayment method, customers can choose to pay the principal periodically every month or less than 6 months/time according to the method of equal contribution, or step-by-step contribution (increasing by 10%-20%/year) or according to the customer's cash flow, which will help customers feel secure and proactive in their principal and interest repayment plan. As a bank, in addition to providing suitable financial solutions, ACB also supports other necessary legal procedures according to the law, not only to maintain peace of mind for customers, provide financial plans suitable for customers, ensure the loan and principal repayment process is smooth and convenient for both parties. To learn more about home loan packages, individual customers can visit the website https://acb.com.vn/vay-von/vay-mua-nha-dat or go to the nearest ACB Branch/Transaction Office or Contact Center 24/7: 028 38 247 247. Source: https://nhandan.vn/acb-khach-hang-mua-nha-an-tam-voi-lai-suat-cho-vay-co-dinh-den-5-nam-post846286.html