The loan packages being implemented by ACB contribute to sharing financial pressure, accompanying customers to seize the opportunity to own a house and settle down.
ACB contributes to sharing financial pressure, accompanying customers to seize the opportunity to own a house - PHOTO: ACB.
Good interest rate is "true love"
With the average interest rate for home loans remaining below 10% per year and the Government implementing preferential credit support programs, experts also believe 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 makes some investors more optimistic about the real estate market. Accordingly, they expect to be able to catch the wave of the new cycle.
As shared by Ms. H.My, a person who has experience in borrowing money from banks to buy real estate, "I often consider borrowing money from banks based on the interest rate criteria first, in order from low to high, how long is the fixed interest rate, what is the floating interest rate, then approach the consulting team in turn to consider choosing the most suitable loan package."
Customers can also choose a fixed first-term loan interest rate of up to 60 months (5 years) with a fixed first-term interest rate of 8.5%/year - PHOTO: ACB.
For example, with ACB, the bank always allocates its budget to implement preferential interest rate packages to help customers easily access loans from 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 during the first 5 years of the loan (disbursement time from today until the end of 2024).
Home Loan, Looking for More Peace of Mind
Besides the interest rate issue, experts in the finance and banking sector also recommend that home buyers pay attention to other issues such as repayment period, 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 house value. With the loan amount often being large and long-term, people need to consider the overall needs, periodic repayment plans suitable to the customer's income to ensure debt and interest payments when due.
Customers can choose to pay the capital periodically every month or every 6 months according to the equal contribution method or step-by-step contribution method - PHOTO: ACB
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 first-term loan interest rate of up to 60 months (5 years) with a fixed first-term interest rate of 8.5%/year.
With a long loan term 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 repay the principal periodically every month or less than 6 months/time according to the equal contribution method, or step-by-step contribution (increasing by 10%-20%/year) or according to the customer's cash flow, helping 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 legal regulations, not only to maintain peace of mind for customers, provide financial plans suitable for customers, and ensure the lending 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://tuoitre.vn/acb-vay-mua-nha-voi-lai-suat-hap-dan-20241122171351191.htm
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