Proactively following the Resolution of the National Assembly, the direction of the Government and the Prime Minister, in the context of the economy on the path of recovery and growth, the need to access loans with reasonable interest rates to settle down, expand production, and improve life becomes increasingly urgent. Since then, the Bank for Agriculture and Rural Development of Vietnam (Agribank) has synchronously implemented many preferential credit programs for individual customers, contributing to realizing the dream of settling down and developing a sustainable economy.
Aiming to support individual customers in developing production and business activities, Agribank has implemented a short-term lending program with preferential interest rates, with a total scale of up to VND50,000 billion. Deployed from now until September 30, 2025, the program flexibly applies loan forms such as lending each time, borrowing according to a limit or payment in payment account. The interest rate is attractively adjusted, 0.5%/year lower than the normal interest rate: from 4.3%/year for terms up to 3 months, from 4.5%/year for terms over 3 to 6 months, and from 5.0%/year for terms over 6 to 12 months. With simple procedures and quick disbursement time, the loan program is easy and stable for individual customers to serve production and business activities.
In addition, to facilitate individual customers to proactively plan their finances in the housing sector and improve their living conditions, Agribank also launched a medium and long-term lending program with a scale of VND 10,000 billion. From July 20, 2025 to December 31, 2025, individual customers who want to buy a house, receive a transfer of land use rights, build, repair, renovate or complete a house can access preferential loans in the form of a lender at one time. Interest rates applied are fixed at appropriate levels according to the loan term: From 5.5%/year for the first 6 months for the minimum disbursement of 18 months; from 6.2%/year for the first 12 months with the minimum disbursement of 36 months; and from 6.5%/year for the first 24 months of the minimum disbursement of 60 months or more. This program is considered a sustainable financial need, helping customers stabilize their housing, upgrade the quality of housing, thereby comprehensively improving the quality of life.
With the desire to realize the dream of settling down, Agribank has implemented a preferential loan program for individual customers buying apartments at the Tan An Apartment Project, located in Thuan Giao Ward, Ho Chi Minh City (formerly in Thuan An City, Binh Duong Province), invested by Tecco Southern. Customers are allowed to borrow up to a maximum of 75% of the value of the Purchase Contract/Cons contract of sale transfer when mortgaging the property formed from the loan. In particular, in case the customer has secured assets other than assets formed from loans, the customer can borrow with a limit of up to 100% of the value of the Purchase Contract/Consumption Contract Transfer Contract. The maximum loan term is 35 years, with a maximum principal grace period of 12 months. Agribank applies a fixed preferential interest rate at the beginning with flexible options: 5.5%/year for the first 6 months (for the minimum loan term of the disbursement period of 18 months), 6.2%/year for the first 12 months (for the minimum loan term of the disbursement period of 36 months), and 6.5%/year for the first 24 months (for the minimum loan term of the disbursement period of 60 months). This is one of the outstanding policies, contributing to bringing the dream of owning a quality house at a reasonable cost closer to many customers, especially young workers and newly established families.
The simultaneous implementation of many preferential credit programs is a clear demonstration of Agribank's efforts in continuing to more drastically and effectively implement the direction of the Government, the Prime Minister and the State Bank in reducing operating costs, enhancing the application of information technology, digital transformation, simplifying procedures and other measures to reduce lending interest rates, supporting people and businesses to access bank credit capital, promoting production and business development. Not only financial support, Agribank's loan packages are also a commitment to accompany customers - from the dream of having a stable home, to business development or towards a more fulfilling and quality life every day. This is also the way Agribank affirms its pioneering role as a Vietnamese commercial bank in linking business activities with social responsibility, bringing appropriate, practical and timely financial solutions to customers on the journey of economic development - stabilizing their lives.
For more details, customers can immediately contact the Customer Care and Support Center: 1900558818/02432053205 or go to Agribank transaction points nationwide.
