From now until December 31, 2025, SHB will implement a loan package of 16,000 billion to serve home buying needs with a preferential interest rate of only 3.99%. This is an interest rate that is considered attractive in the current market.
Customers will be able to borrow up to 90% of the value of the property they plan to buy, unlimited the loan amount with an interest rate of only 3.99%/year. In addition, customers are also exempted from paying the principal for the first 60 months - equivalent to 5 years and are given a credit card/attractive payment limit.
Notably, with the advantage of a loan term of up to 35 years and a separate principal repayment schedule designed according to financial capacity (contributing an equal principal amount/increasing according to the frequency of monthly/quarterly or up to 6 months/time), customers reduce financial pressure and enjoy life right in their own home.
Home buyers can be flexible in choosing suitable mortgaged assets such as: documents with a deposit balance/ revaluation, real estate planned to be purchased through loans/other owned real estate or cars.
According to Batdongsan.com.vn data, the average selling price of apartments in Hanoi and Ho Chi Minh City in the first half of February 2025 is changing positively, showing signs of a slight decrease. This is considered the "golden" time to help people, especially young people, quickly own their dream home.
SHB representative said that with this year's home loan package, SHB has improved the processing process to support customers with maximum procedures and loan applications; shortening appraisal time, approval time, disbursement time...
The bank also accepts many different sources of income from customers to increase flexibility in debt repayment, including: income from salaries, from individual business household operations, from customer-owned enterprises and some other sources of income.
SHB's home loans package has competitive interest rates, closely following the market and meeting actual needs. With this policy, home buyers are completely assured of reducing the pressure to repay principal in years, the method of repaying principal in advance is regular and flexible without additional fees. This is also an advantage and advantage for home buyers to be financially proactive and stabilize their lives" - SHB representative shared.
In parallel with the preferential interest rate of only 3.99%/year, a team of professional, knowledgeable and professional SHB staff is always ready to accompany and support customers anytime, anywhere to process documents and disburse quickly, meeting capital needs in a timely manner to own apartments and houses as desired.
In addition to financial support, SHB supports interior design consulting suitable for young people's interests, and many other consulting services accompanying and accompanying the entire home purchase process.
After more than 31 years of accompanying customers and the country, SHB has always proactively implemented, closely following the orientation of the Party and State, actively accompanying in creating and spreading good values to people and society.
In particular, the Bank strives to build many diverse solutions, optimal financial services, constantly improve quality, design credit products and financial services to suit customer and market needs.
In 2024, SHB also implemented a home loans package in particular and a loan program with attractive interest rates. Millions of customers have chosen the Bank as a trusted partner to borrow capital to buy houses and use financial solutions and services to serve production and business activities, consumption and stabilize their lives.
Currently, the Bank is focusing resources to implement a strong and comprehensive 2024-2028 Transformation Strategy and set strategic goals to become an effective TOP 1 Bank; Most Favorite Digital Bank; Best Retail Bank and the leading TOP Bank providing capital, financial products and services to private and state-owned strategic corporate customers, with supply chains, value chains, ecosystems, and green development.
In 2024 - the pivotal year of the Transformation Strategy, SHB completed and exceeded many targets assigned by the General Confederation of Labor since the beginning of the year. In particular, SHB recorded pre-tax profit of VND 11,543 billion, up 25% compared to 2023 and exceeding the plan approved by the General Meeting of Shareholders.
The cost of operation/total operating income (CIR) ratio is at 24.5% - the lowest group in the whole industry. Total assets by the end of 2024 were at more than VND400 trillion, an increase of 18.5% compared to the end of 2023.
Outstanding credit granted at nearly 534 trillion VND, credit growth rate of 18.2%. SHB continues to ensure safety, liquidity, and risk management indicators comply with and are better than the regulations of the SBV.
Recently, SHB also announced February 27, 2025 as the last registration date to finalize the list of shareholders who are eligible to receive shares in 2023 at a rate of 11%.
According to the 2024 Annual General Meeting of Shareholders, SHB will pay dividends in 2023 at a total rate of 16%, including 5% in cash and 11% in shares. In August 2024, the Bank completed the first round of 2023 dividends in cash at a rate of 5% to shareholders.
Over the years, SHB has regularly paid dividends at a ratio of 10 - 18%, which demonstrates responsibility to shareholders, while constantly improving capital foundations, developing safely, sustainably and effectively, continuously improving governance capacity according to international standards and modern models.
A strong financial foundation is a measure of affirming the Bank's prestige in the market, thereby being the basis for expanding the attraction of capital flows from residents, businesses or mobilizing from the bond market with appropriate interest rates and terms, to rotate capital to key areas, prioritize the development of the Government, green credit...
For more details, customers please visit https://www.shb.com.vn or contact hotline 6688 (24/7) for support.
