Installment payment up to 15 years, fixed interest rate: Golden opportunity to own a Vinhomes house
With a repayment period of up to 15 years and a maximum fixed interest rate of 9.5%, home buyers have a golden opportunity to own Vinhomes products regardless of market fluctuations.
Eliminate concerns about interest rate fluctuations
The program "Buy a luxury home - Financial peace of mind" just announced by Vinhomes is making customers excited because of the best privileges on the market.
Specifically, customers only need to pay 30% in advance to immediately own diverse Vinhomes products from North to South, with townhouses at Vinhomes Ocean Park 2, The Zenpark apartment - Vinhomes Ocean Park 1 (Hanoi) to The Beverly apartment - Vinhomes Grand Park (HCMC). The remaining 70% will be supported by loans with loan terms of up to 15 years.
In particular, under the program, home buyers will be guaranteed a fixed interest rate. Specifically, in the first 2 years, buyers are guaranteed a maximum interest rate of 7%/year. In the following years, the maximum interest rate is 9.5%.
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| Vinhomes is implementing the program "Buy a luxury home - Financial peace of mind" with installment payment period up to 15 years and guaranteed fixed interest rate. |
If the actual bank interest rate is lower, the buyer will enjoy the interest rate applied by the bank. If the actual interest rate is higher, the buyer is guaranteed to only have to pay a fixed rate of 8%/year or 9.5%/year, the difference will be paid in full by Vinhomes to the bank.
“Individual customers like me who borrow to buy a house are now being charged an interest rate of about 7-10%, and after the preferential period, they will have to add at least 3.5%, which is up to 13.5%. So the fixed rate of only up to 9.5% is a great opportunity,” said Mr. Tran Chi Minh, a customer working in the technology industry, living in Hanoi.
In particular, according to him, a long period of ten years means that floating interest rates can increase, far exceeding the 13.5% mark as the market has been in recent years. Vinhomes' long-term fixed interest rate program and good incentives have removed this biggest "rock" and helped customers like him feel completely secure.
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| “My wife and I went to The Zenpark and decided to take advantage of this opportunity early,” said Mr. Minh. |
Seize the opportunity as the market enters a new cycle
According to experts, Vinhomes' special program is offering the opportunity to own a home early before the market enters a new growth cycle.
The evidence is that in the last months of 2023 and early 2024, a series of laws related to the real estate market were passed by the National Assembly such as the Law on Real Estate Business (amended), the Law on Housing (amended) and the Law on Land (amended) which are expected to create favorable policy opportunities for the market. On the other hand, many provinces and cities have just announced their planning for the 2021-2030 period such as Ba Ria - Vung Tau, Hai Duong, Nghe An, Ha Tinh, Lai Chau, Binh Dinh, Hoa Binh, Hau Giang, Kien Giang... opening up more opportunities for the real estate market.
In addition, according to the assessment of the Ministry of Construction, in recent times, the Government and ministries and branches have made efforts to synchronously implement many solutions to remove difficulties and increase the economy's ability to absorb credit capital. Many banks continue to reduce deposit interest rates, while home loan interest rates of some banks have also decreased compared to the previous period.
On the other hand, changes and adjustments in the macroeconomic picture and expected economic growth also bring positive signals to the economy in general and real estate in particular.
However, according to experts, the current market is still facing difficulties in supply. In 2024, there will likely not be many products launched on the market. Along with the high input factors, the real estate price will therefore tend to increase this year.
Therefore, owning a house early at this time is considered a "double-profit" investment when taking advantage of good policies to have a place to live and making good profits over time. In particular, urban areas with the Vinhomes brand will be even more "valuable" because they are located in prime locations, easy to move and connect to central areas for both investment and residential needs. On the other hand, Vinhomes projects own a high-class utility ecosystem for the whole family's life such as Vinschool, Vincom shopping mall, Vinmec hospital, large internal park system....
Experts say that with the general market's recovery and Vinhomes' support policies, investors and homebuyers have a "golden opportunity" to own high-class real estate products at the most reasonable cost.
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