After the success of the 2024 Apartment and Townhouse Loan Package with the characteristics of "Fast Loan, easy Payment", contributing to helping more than 15,000 Vietnamese families own their dream home, VIB has officially launched the 2025 Apartment and Townhouse Loan package with a scale of 45,000 billion VND, along with many outstanding features and high benefits for customers.
Attractive, transparent interest rates
For customers' home loans and repair needs nationwide, the applied interest rate is very clear and transparent. Customers can choose fixed interest rate packages of 6 months (5.9%), 12 months (6.9%) or 24 months (7.9%). This is the only interest cost, without adding any other interest factors regarding cross-selling, regions, loan rates, etc.
After the preferential period, the interest rate will be maintained at a reasonable level, equal to the basic interest rate plus a margin of 2.9%.
Borrow 1 billion, pay 1 million/month in principal, many flexible debt repayment options
VIB is the pioneer in applying this feature. Accordingly, in the first 5 years, customers only had to pay 1 million VND in principal per month for 1 billion outstanding loans, or 0.1%/month, much lower than the 0.3% to 0.8% commonly seen in the market. For customers, especially young people, this feature is very important for customers to proactively source money, especially those who have low income and accumulation at the beginning and income is expected to increase over time.
In addition to the above solution, customers can also proactively customize the principal payment plan, suitable for their needs and financial capabilities at different stages of life. Customers with a stable income can choose to pay the principal every month. While young people who are new to work or are starting a business can choose a 5-year principal payment exemption or a scale principal payment of only 0.1% - 0.2%/month for the first 10 years. In particular, customers can also proactively repay monthly installments up to 25 million VND (equivalent to 300 million VND/year) without having to pay for installments.
Free asset appraisal and apartment loan approval on the same day
Thanks to tools and real estate price data warehouses of more than 500,000 apartments in Hanoi, Ho Chi Minh City and some other provinces and cities, VIB can quickly determine the value of assets in many apartment projects, thereby providing the most suitable loan limit for customers in the fastest time. For customers choosing apartments in these projects, VIB commits to a valuation time of only 1 minute, completely free and the fastest loan approval time in the market, only 4-8 hours.
According to the bank representative, the free asset valuation along with the quick valuation and approval process brings many practical benefits in the context of a volatile real estate market and customers needing to quickly seize opportunities. First, the free valuation helps reduce some costs in the loan process. Next, VIB's pricing process helps customers quickly determine the loan limit suitable for mortgaged assets, shorten waiting time and increase home ownership opportunities sooner.
Retail business principles and market recognition
At the VIB General Meeting of Shareholders held on March 27, 2025, Mr. Dang Khac Vy - Chairman of VIB's Board of Directors shared that one of the consistent principles in developing VIB's retail business segments is to be transparent - clear - simple - consistent - with the best benefits. Thanks to applying this principle throughout 2024 and early 2025 to home loans, along with the response and trust of customers, VIB has won the award "Best home loans bank in Vietnam" awarded by Global Brands Magazine.
Affirming its position as the leading retail bank in the market
In 2024, VIB achieved a credit growth rate of 22%, being one of the banks with the highest growth rate in the industry and the bank with the highest retail participation in the system, up to 80%. VIB is also a leading bank in the auto lending segment and is growing strongly in the retail and SME lending segment.
With a strong and sustainable credit development orientation, VIB will continue to bring breakthrough products and services, meeting diverse financial needs of customers. Loan package to buy 45,000 billion apartments and townhouses, with the only interest rate
5.9%-6,9%-7,9% for 6-12-24 month interest rates, along with VIB's ability to borrow 1 billion to pay a principal of only 1 million VND per month is a specific proof. With outstanding incentives, quick procedures and competitive interest rates, VIB continues to affirm its position as the most flexible home loans bank in the market, contributing to realizing the dream of settling down and making a living for hundreds of thousands of Vietnamese families.
Register immediately for the 45,000 billion VND Apartment and Townhouse Loan Package at https://www.vib.com.vn.
