With the strong recovery momentum of the real estate market thanks to the solid legal corridor from the 2024 Land Law, banks are actively sending signals to accompany people to realize the dream of " settling down and making a living" through a series of preferential loan products.
In particular, OCB's Smart Home Loan is considered a flexible "tailored" solution, suitable for each real estate purchase needs of customers.
The biggest highlight of the product is the loan term extended to 35 years, the principal grace period policy is extended to a maximum of 60 months (equivalent to 5 years), combined with a competitive interest rate of only 5.5%/year - bringing a "golden breath", helping customers to temporarily put aside the pressure of principal repayment to focus on financial stability, building a career and preparing firmly for the future. This demonstrates OCB's commitment to accompanying customers on their journey to establish a career and settle down.
Not only that, with outstanding flexibility in allowing diverse declarations of income sources, high loan limits and a commitment to quick approval speed in just 48 hours, the Smart Home Loan solution is one of the effective and timely financial leverages, helping customers realize their dream of settling down without having to wait.
Home loans are tailored to each segment
Different from traditional loan packages on the market, Smart Home Loan has impressed from the first days of its launch thanks to its high personalization capability through restructuring into three specialized product packages including Vuong Gia - An Loc - Prosperity to serve each customer segment, optimizing outstanding benefits.
Specifically, targeting young urban customers with the desire for a modern apartment, the Vuong Gia package is "shaped" to remove financial concerns such as in abundant savings or low income. OCB has applied a comprehensive financial capacity assessment mechanism from many sources of income, for example, leasing assets, business activities, dividends to salary declaration, and at the same time raised the loan limit to 150 billion VND, creating conditions for diverse needs to be met from settlement, lease to profitable investment.
Next, in the mid-range real estate segment, An Loc package brings the perfect balance between costs and flexible financial certification methods. Thereby, the product opens up the ability to access loan limits up to 10 billion VND, helping customers implement real estate ownership plans.
For high-end customers, OCB has developed a separate Prosperity loan package to help customers easily access and "ment" own large-value assets. In the context of luxury real estate (accounting for 58% of new supply) increasingly requiring solid financial resources, even for high-income customers, this loan package stands out with a limit of up to 150 billion VND, flexible income declaration, along with the privilege of giving beautiful accounts worth up to 100 million VND. This is not only a solution to help customers increase investment opportunities and access to high-end projects, but also shows a classy lifestyle, optimizing long-term financial efficiency.
In addition to providing loan packages suitable for each need, OCB also designs a variety of principal payment methods, from monthly installments, gradual increase payments in steps, to specific options such as annual installment payments or final payments designed specifically for OCB priority customers.
Customer-centricity is the guiding principle in all activities. Therefore, with each product launched, we hope to not only provide financial support, but also create a solid foundation for customers to proactively plan their future and feel secure in building their lives," shared the OCB leadership representative.
