This loan package not only provides flexible financial solutions and attractive interest rates, but also provides long-term loan policies, helping young people confidently step on the path to owning their dream home, confidently moving closer to their goal of settling down.

One of the highlights of this loan package is the free early repayment from the 5th year, helping customers to be more proactive in balancing their financial resources and reducing long-term financial pressure. In addition, Eximbank also finances 100% of capital needs, including customers' own capital. This is an important breakthrough, affirming Eximbank as a pioneer bank in comprehensively supporting capital sources for customers.

The maximum loan term is up to 40 years, helping to reduce the burden of periodic debt repayment. In addition, the principal grace period is up to 7 years, creating conditions for customers to stabilize their finances in the early stages of their careers before starting to repay the debt. With this loan package, Eximbank not only offers competitive interest rates and flexible long-term loan policies, but also opens up opportunities for young people to start building a family without worrying about financial pressure.

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Y-Rise Eximbank loan package for young people with preferential interest rate from only 3.68%/year

Mr. Luong Nguyen Minh Dang - Director of Eximbank Retail Banking Division shared: “With a loan of 1 billion VND, customers only need to pay from 6 - 7.5 million VND/month. With a house worth 3 billion VND, the monthly installment is only from 20 - 22 million VND. Especially, for customers buying a house worth 5 billion VND, Eximbank supports a loan option without self-capital, with a monthly payment of 30 - 35 million VND”.

In addition, with simple income verification procedures and streamlined application documents, Eximbank helps customers shorten application review time, providing a quick and convenient loan experience.

With flexible and preferential loan policies, this program not only helps customers easily access capital but also opens up opportunities to settle down sooner, instead of having to wait many years to accumulate enough finances.

In 2025, Eximbank is aiming for a new growth phase with clear strategic goals. The bank focuses on expanding its operations, improving financial efficiency and controlling sustainable risks. According to the plan, total assets are expected to reach VND265,500 billion, up 10.8% over the previous year, while capital mobilization is also boosted, expected to reach VND206,000 billion, up 15.5%. Outstanding credit balance will therefore expand to VND195,500 billion, up 16.2%, coupled with a commitment to strict risk management, reducing the bad debt ratio to 1.99%.

Not only focusing on scale growth, Eximbank also aims to improve operational efficiency with a consolidated pre-tax profit plan of VND 5,580 billion, a sharp increase of 33% compared to 2024. If this milestone is achieved, the bank will mark an important step forward, setting a new profit record and continuing to affirm its position in the finance - banking industry.

Vinh Phu