Stepping into 2026, the Vietnamese economy is expected to continue to maintain its recovery momentum and stable growth, but still face many intertwined challenges from global economic fluctuations. According to experts, 2026 is also a period witnessing strong capital demand in many segments - from consumption, housing, transportation, education to investment in expanding production and business, high-tech agriculture and sustainable value-generating sectors. However, the ability to balance capital costs and cash flow is still a key factor determining the financial efficiency of each individual and household.
To meet increasingly diverse financial needs, Bac A Commercial Joint Stock Bank (Bac A Bank) officially launched the personal credit program "Taking capital in time - Stepping forward to the future" with a limit of up to 10,000 billion VND, applied throughout from now until the end of December 31, 2026.
Within the framework of the program, Bac A Bank applies short-term lending interest rates from only 9.0%/year, while medium and long-term loans have interest rates from only 7.7%/year. This is considered a competitive and attractive interest rate in the market, helping customers be more proactive in making spending plans, improving capital utilization efficiency, and minimizing financial pressure throughout the loan period.
Not only focusing on interest rate factors, the preferential credit package "Taking capital in time - Stepping forward" also focuses on flexibility in plans and loan terms, suitable to the actual needs and financial capacity of each customer group. The scope of application of the credit package is expanded, comprehensively meeting practical needs in people's lives and production - from car purchase loans to consumer loans with collateral, loans to support study abroad costs, supplement capital to serve production and business...
In addition, the Program also allocates preferential capital for the agricultural sector, including loans for cultivation, industrial crop care, vegetables, flowers, fruits... suitable to the characteristics of rural areas and the orientation of sustainable agricultural development, high-tech agriculture that Bac A Bank has pursued and focused on for many years.
From the borrower's perspective, Ms. Ngoc Yen (currently living in Phu Tho) shared: "My family needs to borrow capital to invest in more tools to increase fruit tree production. What I am most interested in is a soft interest rate and flexible debt repayment plan. When Bac A Bank staff advised me in detail, I felt completely reassured because the loan was calculated to be suitable for my family's income, not creating too much pressure, and clear interest rates helped me be more proactive in calculating and deciding on the time to borrow capital.
In its development strategy, Bac A Bank identifies credit not simply as a capital provision activity, but as a commitment to long-term companionship with customers, creating sustainable values for the community. The program "Taking capital in time - Stepping forward to the future" is designed and tailored as a reliable financial support, supporting customers to seize investment opportunities, expand production and business models, and improve and enhance the quality of life.
The implementation of the Program throughout 2026 also shows the stable and long-term orientation of the Bank in providing capital for the economy, instead of timely short-term credit packages.
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 switchboard 1800 588 828.
