HDBank leads the home loan market with an interest rate of 3.5% and a loan term of 50 years for young people.

Owning a home - a place to settle down and build a future - has always been an important goal for many young Vietnamese people. However, the reality is that real estate prices continue to increase faster than income, making this dream increasingly difficult.

But now, the opportunity to buy a house has become clearer than ever. Thanks to the policy orientation of the Government and the State Bank of Vietnam (SBV), and the strong participation of many commercial banks (CBs), young people have flexible financial options in their hands, with low interest rates and unprecedentedly long loan terms.

HDBank dẫn đầu “sân chơi” vay mua nhà với lãi suất 3,5%, thời hạn vay 50 năm cho người trẻ

Policy-driven, banks take action

Immediately after the Government Standing Committee Conference with banks in early 2025, the Prime Minister directed the State Bank and commercial banks to establish preferential credit packages to support young people under 35 years old to buy houses. The goal of this direction is to reduce lending interest rates, promote credit for social housing, and create conditions for young people to have easier access to home ownership.

According to experts, expanding credit with reasonable interest rates will help increase people's ability to own houses, while stabilizing the real estate market, directing capital flows to segments with real demand instead of speculation.

Speaking at a recent credit conference, Deputy Governor Dao Minh Tu said that the SBV will flexibly use tools such as refinancing and participating in the interbank market to address capital needs. When liquidity is guaranteed, banks do not need to increase deposit interest rates to attract deposits - a basis for stabilizing medium- and long-term lending rates.

Transforming policy orientation, many banks have launched home loan programs with attractive interest rates and long loan terms to better suit young customers.

Currently, many leading banks in the market are implementing home loan packages with preferential interest rates for young people. Low interest rates with terms of 30 years or more. Notably, HDBank applies interest rates from 4.5%/year, loan terms up to 50 years - the longest on the market today.

Through the implementation process, HDBank has recently continued to expand incentives with interest rates from only 3.5% for customers aged 18 - 35 borrowing to buy a house, loan term up to 50 years, principal grace period up to 5 years.

According to HDBank representative, the longer the loan support period, the lower the monthly payment, helping borrowers significantly reduce financial pressure. This is an important factor when many young people are still in the asset accumulation stage.

Ngân hàng hỗ trợ đường dài, “thời điểm vàng” để người trẻ sở hữu nhà ở

Long-term bank support, "golden time" for young people to own a house

“Golden time” for young people to own a house

Not only thanks to credit support policies, preferential interest rates and prospects for low stability, the current real estate market also has many favorable factors for young people to boldly make the decision to buy a house.

According to Vice President of the Vietnam Real Estate Association - Dr. Nguyen Van Dinh, in 2025 the real estate market is expected to enter a period of stability and more sustainable growth, with many opportunities for both investors and real buyers. Real estate supply is expected to grow, especially in Hanoi and satellite cities with about 3,000-7,000 products; Ho Chi Minh City and its suburbs with about 8,000 products. At the same time, many investors are launching incentive programs, helping customers have the opportunity to own a house more easily.

Mr. Hoang Quoc Dung (29 years old, Ho Chi Minh City), a customer who just signed a home loan contract, shared: “My wife and I thought it would take 10 more years to have enough money to buy a house. But with the long-term loan package, preferential interest rates and grace period policy, we only need to pay about 7-8 million VND per month, which is within our ability. Therefore, we determined that this is an opportunity to realize our long-standing goal.”

With favorable conditions, now can be considered the best time in many years for young people planning to own a house to boldly realize their dream.

To grasp the opportunity, financial experts recommend that when borrowing to buy a house, customers need to choose the right loan, carefully study the interest rate policy, clearly identify the real housing needs and payment ability. Accordingly, choosing the right bank and loan package is the key factor, helping young people own a house sooner and maintain a stable financial life in the long term.

Comment (0)