Over the years, HDBank has continuously expanded financial solutions to help many people, especially those with average and low incomes, access more opportunities to own their own houses.
Not only accompanying investors in developing social housing, HDBank also designs flexible loan packages, suitable for the financial capacity of workers in industrial parks, export processing zones, urban and rural areas. Currently, HDBank continues to implement home loans with installments starting from only about 200,000 VND/day - creating more favorable conditions for many families to soon stabilize their lives.
Accordingly, HDBank will allocate appropriate budget to support people to borrow to buy social housing, loan packages up to 70% of the value of the sale and purchase contract, loan terms up to 50 years, and principal grace period of up to 24 months from the date of first disbursement, helping customers proactively balance financial resources and debt repayment plans. In particular, depending on the actual financial capacity of each customer, HDBank will advise customers on the most suitable loan options and payment terms.
HDBank representative shared: HDBank always aims to unblock the flow of social housing supply and demand, ensuring that all people in need can access loans with reasonable interest rates, contributing to promoting the sustainable development of the real estate market. Customers who borrow social housing at HDBank will only need to pay from 200,000 VND/day, the long loan term helps reduce financial pressure significantly.
According to current regulations, the subjects eligible to buy social housing are single people with an income of no more than 15 million VND/month; married people with a total income of both husband and wife of no more than 30 million VND. Many social housing projects currently have prices ranging from 800 million VND to 1.2 billion VND, including forms such as townhouses and apartments. Accordingly, with loan incentives at HDBank, low-income people can completely buy a house and settle down soon.
Since 2023, the Prime Minister has issued Decision 338/QD-TTg approving the Project to build at least 1 million social housing apartments for low-income people and industrial park workers in the period of 2021-2030. Along with that is a preferential credit package of up to VND 145,000 billion, with the participation of 9 major commercial banks, including HDBank. In early 2025, the State Bank will continue to orient these banks to promote lending for social housing, workers' housing and renovation of old apartments according to Resolution 33 of the Government.
Inheriting the mission from the early days as a "home development bank", HDBank always accompanies the people in the journey of settling down, through flexible financial solutions, contributing to the development of urban infrastructure and improving the quality of community life. Continuing that spirit, HDBank is actively implementing the National Housing Development Strategy for the period of 2021-2030, vision to the Government by 2045 with specific steps, practical and associated with the actual needs of the people.
