PVcomBank launches preferential credit package, interest rate less than 6%/year

According to data from the General Statistics Office, in the first two months of 2024, total retail sales of goods and consumer service revenue reached more than 1 million billion VND, an increase of more than 8% over the same period last year. This partly shows that positive signals have returned to the macro economy. In addition to inflation continuing to be controlled at a stable level, increased consumer demand has helped businesses have more favorable factors to boost production and business. In the above context, preferential capital from commercial banks is considered an important "lever", playing a role in supporting businesses as well as people to stabilize production, especially the customer segment of micro-enterprises (m.SME), small traders, business households, etc.

PVcomBank triển khai gói tín dụng ưu đãi, lãi suất chưa đến 6%/năm- Ảnh 1.

With the goal of providing the market with cheap capital and diverse options for customers in need, PVcomBank has decided to promote the implementation of a preferential credit package of VND 15,000 billion, lasting until the end of January 2025. Depending on the purpose of the loan, customers can enjoy the above preferential interest rates for a number of priority areas such as: loans for production and business; loans for house purchase, construction and repair... and flexible repayment plans throughout the entire loan period. In fact, the program is also completely consistent with the credit promotion policy of the State Bank and the Government, creating conditions for capital flows into important areas, contributing to economic recovery and promotion.

In the segment of m.SME enterprises, small traders, business households... customers can access this program to supplement working capital for production and business purposes with a loan term of up to 10 years. At the same time, PVcomBank also pays special attention to simplifying paperwork procedures, helping customers easily prove their income by simply declaring; streamlining the process and reducing loan approval time to just 24 hours... creating maximum conditions for customers to receive early disbursement.

In addition to preferential interest rates, customers who need loans to buy, build or repair houses can borrow up to 85% of the value of the collateral (maximum VND 20 billion) with a loan term of up to 30 years. This is considered a policy suitable for the financial situation and actual repayment ability of each customer.

Sharing about the basis for implementing the preferential credit package, Mr. Ngo Dang Hoan - Deputy Director of PVcomBank's Personal Customer Division said. "The real estate market has recorded some signs of recovery recently, but this segment is still quite open due to the lack of suitable credit sources. As a financial institution that is always ready to accompany the policies of the Government and the State, PVcomBank's VND 15,000 billion credit package aims to create maximum conditions to help people have the opportunity to own houses at reasonable costs and enjoy preferential interest rates from the bank" .

The promotion of preferential credit packages to many important areas is not only a move to stimulate credit demand in society, but also shows the role of PVcomBank in accompanying the Government and the entire banking industry to synchronously deploy solutions to support people and businesses to access appropriate capital sources, create momentum for development and contribute to macroeconomic recovery.

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