Vietcombank implements many preferential loan programs

Vietcombank implements many preferential interest rate programs for loan customers

Peace of mind with your home loan plan

Having their first child, Mai Anh and her husband in Hanoi felt that it was time for the family to have their own house instead of renting. The difference when comparing the rent and the monthly payment if they borrowed more to buy a house was not much. Her family decided to borrow an additional 1 billion VND from the bank and used all the savings to buy an apartment in Ha Dong district near her workplace.

The apartment she chose is convenient for the whole family because her husband only needs to walk less than 100 meters to the BRT bus stop to go to work and next year, when the child needs to go to kindergarten, there is also a standard kindergarten available on the first floor of the apartment building.

However, borrowing half the value of the apartment from the bank is also somewhat risky. Most banks now only fix the interest rate for the first year, the interest rate will be adjusted in the following years, and the family may face financial difficulties if your job changes.

But the couple was still determined to carry out the plan to buy a house and use the preferential loan package "Interest rate assurance" from Vietcombank with a fixed interest rate for 3 years. This is also a rare bank in the market that offers customers many options for fixed interest rate loan packages for up to 10 years. From now on, Minh Anh and her husband can rest assured, not worrying about the loan interest rate fluctuating every year according to the market. The loan term of up to 30 years also helps them reduce the financial burden, focus on work and gradually pay off the principal and interest each month.

Realize the dream of owning a car

In 2024, the economy is forecast to improve compared to the previous year. Domestic car companies are also boosting sales with newly launched car models and many preferential pricing, promotion and gift policies to attract customers.

Products meet diverse needs of home loans, car loans, consumer loans of people and businesses.

Along with the development of the economy, people's lives have also improved. Many families no longer consider cars as a luxury asset but as a necessary utility in life. Mr. Nam, a manager at a foreign-invested enterprise, is planning to buy a car for use because both he and his wife work far away, while the hot summer is starting.

He chose a Toyota car but this model has just adjusted the price up, he needs to make a decision to buy soon to apply the old price. However, after calculating the cost of buying the car including the car price and registration fees, he is worried because the total cost of buying the car is beyond his financial capacity. The showroom's sales staff advised him on Vietcombank's "Competitive Interest Rate" loan package with a super low interest rate of only 6.0%/year. Thus, with 600 million VND available and more than 200 million VND in bank loan capital, he can immediately own his dream car. Moreover, because Vietcombank has a cooperation agreement with the car company, his loan procedures are very simple and convenient, the loan procedures are resolved quickly within a few days. The loan term of up to 8 years also helps him reduce the pressure of repaying the debt in a short period of time.

Don't miss out on business opportunities

Customers are advised on the most suitable preferential interest rate program.

Ms. Lan Huong, the owner of a dry food agency, has the opportunity to import a shipment of goods at a good price. If she can import the goods in time and sell them at the recommended price, she will have a relatively good profit. However, her customers, restaurants and coffee shops, are facing difficulties, and she cannot collect the money they owe to import this shipment.

Thanks to a friend's recommendation, she found Vietcombank's preferential interest rate loan package for production and business with a very low interest rate of only 5.3%/year for her 3-month loan. According to her, this interest rate is the lowest interest rate on the market and is suitable for her short-term loan needs.

Vietcombank said: Not only working capital, small and medium enterprises in need of loans to expand production scale, invest in additional equipment lines will also be eligible for preferential loans under the competitive interest rate loan package for SME enterprises with low interest rates from only 6.6%/year in the first 24 months for medium and long-term loans.

Offering various preferential loan programs demonstrates understanding of customers and willingness to share difficulties with customers. To do this, the bank itself needs to have financial potential and commitment to accompany customers in business activities.

Source link: https://thanhnien.vn/vietcombank-trien-khai-nhieu-chuong-trinh-cho-vay-von-uu-dai-185240225204112883.htm