Responding to the State Bank's policy on stabilizing the general level of lending interest rates, Bac A Commercial Joint Stock Bank (Bac A Bank) continues to implement a preferential credit program to accompany individual customers and households in developing production and business activities as well as meeting life needs.
In the context of increasing capital demand following the development of socio-economics in 2026, lending interest rates have become a top concern for businesses to households and individuals. In fact, banks have been and are adjusting interest rate policies to suit the actual situation to meet customer needs and ensure compliance with credit regulations.
Not outside the general trend, Bac A Bank continues to implement the program "Timely capital intake - Sturdy steps to the future" providing credit sources at reasonable costs, contributing to accompanying individual customers and households to develop production and business activities as well as meet life needs until the end of 2026. This is also a positive move by the Bank to respond to the State Bank's policy in stabilizing lending interest rates, for the practical benefit of the community.
Faced with the constant fluctuations of the world political and economic situation and the reality of the market, Bac A Bank believes that customers need a sustainable companion, not just a simple lending unit at the present time. ”, a representative of Bac A Bank shared. “For that reason, the credit program “Taking capital in time - Stepping forward to the future” is built with the desire to bring customers a stable financial solution that is personalized for each household, each specific need”.
Accordingly, for short-term loans, the lending interest rate is from 9.9%/year applied to debt contracts up to 12 months. For medium and long-term loans, the minimum preferential interest rate is from 9.5%/year. This interest rate level reflects Bac A Bank's view of focusing on maintaining a stable interest rate margin towards supporting long-term customers. This program applies preferential lending interest rates according to many options depending on the minimum time of the debt contract, the preferential application time, in order to optimize the cash flow plan of each customer.
In addition, products subject to preferential interest rate programs also "cover" most of the needs of consumption, production, and basic life stabilization with diverse collateral, including: Consumer loans with collateral; Car loans; Loans to support study abroad expenses; Loans to supplement capital for production and business; Loans for planting and caring for industrial crops; ...
Bac A Bank also maximally supports customers in accessing sustainable capital sources quickly by a dedicated and close-to-the-people consulting team from the dossier preparation stage to disbursement. "Individual customers or households can enjoy incentives from the program with a loan package "tailored" for each purpose, each actual financial story of customers. Bac A Bank's experts will accompany and advise to find optimal solutions, promoting customer benefits," a bank representative said.
For more detailed information, please visit the website www. baca-bank.vn, visit the nearest Bac A Bank Branch/Transaction Office or contact the Customer Care Hotline 1800 588 828.
