VIB launches 45,000 billion VND apartment and townhouse loan package

Attractive and transparent interest rates

For customers nationwide who need to borrow money to buy or repair houses, the interest rates applied are very clear and transparent. Customers can choose preferential packages with fixed interest rates of 6 months (5.9%), 12 months (6.9%) or 24 months (7.9%). This is the only interest cost, without adding any other interest rate factors such as cross-selling, region, loan rate, etc.

After the preferential period, the interest rate is maintained at a reasonable level, equal to the base interest rate plus a margin of 2.9%.

Borrow 1 billion, pay principal 1 million/month, many flexible repayment options

VIB is the pioneer in applying this feature. Accordingly, in the first 5 years, customers only have to pay 1 million VND in principal per month for 1 billion in outstanding debt, which is 0.1%/month, much lower than the 0.3% to 0.8% commonly seen in the market. For customers, especially young people, this feature is very important for customers to proactively manage their money, especially those who have low income and savings at the beginning and their income is expected to increase gradually over time.

In addition to the above solutions, customers can also fully customize their principal repayment plan, suitable for their needs and financial capabilities at different stages of life. Customers with stable incomes can choose to pay the principal every month. Meanwhile, young people who have just started working or are starting a business can choose to waive the principal for 5 years or pay the principal in installments of only 0.1% - 0.2%/month for the first 10 years. In particular, customers can also proactively pay off their monthly debt up to 25 million VND (equivalent to 300 million VND/year) without paying any prepayment fees.

Free property valuation, same day apartment loan approval

Thanks to tools and real estate price data warehouse of more than 500,000 apartments in Hanoi, Ho Chi Minh City and some other provinces, VIB can quickly determine the value of assets in many apartment projects, thereby providing appropriate loan limits for customers in the fastest time. For customers choosing apartments in these projects, VIB commits to valuation time in just 1 minute, completely free of charge and the fastest loan approval time in the market, only in 4-8 hours.

According to the bank representative, free property valuation and quick loan approval process bring many practical benefits in the context of the fluctuating real estate market and customers need to seize opportunities quickly. First, free valuation helps reduce some costs in the loan process. Next, VIB's valuation process helps customers quickly determine the appropriate loan limit for the mortgaged property, shorten the waiting time and increase the opportunity to own a house sooner.

Principles of retail business and market recognition

At the VIB General Meeting of Shareholders held on March 27, 2025, Mr. Dang Khac Vy - Chairman of the Board of Directors of VIB shared that one of the consistent principles in developing VIB's retail business segments is Transparency - clarity - simplicity - consistency - best benefits . Thanks to the application of this principle throughout 2024 and early 2025 for home loan products, along with the response and trust of customers, VIB has won the award "Best Home Loan Bank in Vietnam" by Global Brands Magazine.

Affirming the position of the leading retail bank in the market

In 2024, VIB will achieve a credit growth rate of 22%, being one of the banks with the highest growth rate in the industry and the bank with the highest retail ratio in the system, up to 80%. VIB is also a top bank in the auto lending segment and is growing strongly in the retail and SME business lending segment. With a strong and sustainable credit development orientation, VIB will continue to bring breakthrough products and services, meeting the diverse financial needs of customers. The 45,000 billion VND apartment and townhouse loan package, with a single interest rate of 5.9% - 6.9% - 7.9% for fixed interest rates of 6-12-24 months, along with the feature of borrowing 1 billion and paying principal of only 1 million VND per month of VIB is a specific proof. With outstanding incentives, quick procedures and competitive interest rates, VIB continues to affirm its position as the most flexible home loan bank in the market, contributing to realizing the dream of settling down for hundreds of thousands of Vietnamese families.

Register now for the 45,000 billion VND apartment and townhouse loan package at https://www.vib.com.vn .

Source: https://daibieunhandan.vn/vib-ra-mat-goi-vay-can-ho-nha-pho-quy-mo-45000-ty-post408582.html