Real stories from customers
Mr. Hung, an office worker in Ho Chi Minh City, once faced a loan of 2 billion VND with high interest rates, having to pay up to 17 million VND per month. As living expenses increased, he struggled to find a solution to reduce financial pressure but had difficulty paying off the old loan and finding a new source of credit.
Through friends, he learned about Eximbank's refinancing package with interest rates starting at only 5.5%/year, and everything changed. The interest payment was significantly reduced, helping him save millions of dong each month and rebalance his life.
Refinancing - optimal solution from Eximbank
Mr. Hung's story reflects the common concern of many customers: how to reduce financial pressure from high-interest loans? Understanding this need, Eximbank offers a refinancing solution, helping customers easily transfer debt, save costs and optimize capital effectively.
1. Reduce interest rates - Save millions of dong every month
With a preferential interest rate of only 5.5%/year, customers with problems like Mr. Hung can reduce their monthly interest from 17 million VND to 9 million VND, saving more than 8 million VND per month. This amount of money helps customers not only reduce their burden but also invest in other financial goals.
2. Flexible grace period - Reduce financial pressure
Principal grace period up to 84 months: Ideal period to reduce debt repayment pressure, help customers stabilize their finances and proactively build personal plans.
Interest grace period of up to 6 months: Flexible financial solution, reducing worries about interest payments from the beginning.
3. Easy loan conversion - No need to prepay
The outstanding advantage of the product is that customers do not need to prepare capital in advance. Instead of the pressure of mobilizing urgent cash flow, customers can easily convert old loans to new loans while still ensuring smooth cash flow, maintaining stability and continuity in the financial plan.
4. Increase loan limit - Invest for the future
In addition to refinancing old loans, customers are also supported to borrow additional capital to accumulate real estate or meet personal consumption needs such as:
Real Estate Investment: Buy a house, land or upgrade an existing property.
Personal consumption: Spending on education, health care, travel or home repairs.
Flexible additional loans not only help customers realize big goals but also simplify procedures, maximizing the value of refinanced assets.
5. High loan to value ratio
With a loan ratio of up to 90% of the collateral value, customers can easily maximize the value of their existing assets, freeing up capital to carry out major plans. This not only helps reduce financial pressure but also provides flexibility in investing and managing cash flow.
6. Quick procedures - maximum support
Understanding the value of time, Eximbank has built a fast and transparent application review process. A team of professional consultants always accompanies and supports customers from the application preparation step to disbursement, ensuring a convenient and effective experience.
The journey of financial efficiency
Using the refinancing product from Eximbank, Mr. Hung not only reduced his financial pressure but also had more resources to take care of his family and invest in the future. The decision to refinance became an important turning point to help him build a sustainable financial foundation.
From the hero's story - to your financial opportunity
Like Mr. Hung, you can:
Cost savings: Preferential interest rates from only 5.5%/year, helping to save millions of dong each month.
No need to worry about prepayment: Eximbank supports converting old loans, no need to prepare capital in advance.
Take advantage of additional capital: Freely realize plans such as buying a house, repairing a house, or making important personal expenses.
Increase assets: Additional loans help you invest in real estate or other profitable goals, optimizing the value of existing assets.
Why choose Eximbank?
Fast procedure: Transparent application review process, short processing time.
Dedicated consulting: Professional team is always ready to support 24/7.
Flexible solutions: Suitable for all personal financial needs, optimizing efficiency.
Don’t let your current loan get in the way of your plans. Contact Eximbank today for a free consultation and start your journey to successful financial restructuring.
