Agribank launches a series of preferential loan packages for individual customers

Accordingly, individual customers borrowing for production and business purposes will enjoy interest rates up to 0.5%/year lower than the normal interest rate, while customers borrowing to buy or repair a house can borrow with interest rates starting from only 5.5%/year.

Proactively following the Resolution of the National Assembly, the direction of the Government and the Prime Minister, in the context of the economy on the path of recovery and growth, the need to access loans with reasonable interest rates for housing, expanding production, and improving living standards is becoming increasingly urgent. Since then, the Bank for Agriculture and Rural Development of Vietnam ( Agribank ) has synchronously implemented many preferential credit programs for individual customers, contributing to realizing the dream of housing and sustainable economic development.

Aiming to support individual customers in developing their production and business activities, Agribank has implemented a short-term loan program with preferential interest rates, with a total scale of up to 50,000 billion VND. Implemented from now until September 30, 2025, the program flexibly applies loan forms such as one-time loans, loans according to limits or overdrafts on payment accounts. The interest rate is adjusted to be attractive, lower by a maximum of 0.5%/year compared to the normal interest rate: from 4.3%/year for terms up to 3 months, from 4.5%/year for terms over 3 to 6 months, and from 5.0%/year for terms over 6 to 12 months. With simple procedures, quick disbursement time, the loan program is easy and stable for individual customers to serve production and business activities.

In addition, in order to facilitate individual customers to proactively plan their housing finances and improve their living conditions, Agribank also launched a medium and long-term loan program with a scale of 10,000 billion VND. From July 20, 2025 to December 31, 2025, individual customers who want to buy houses, receive land use rights transfers, build, repair, renovate or complete houses can access preferential loans in the form of one-time loans.

The interest rate is fixed at appropriate levels according to the loan term: From 5.5%/year in the first 6 months for a minimum disbursement of 18 months; from 6.2%/year in the first 12 months for a minimum disbursement of 36 months; and from 6.5%/year in the first 24 months for a minimum disbursement of 60 months or more. This program is considered a sustainable financial need, helping customers stabilize their housing, upgrade the quality of their housing, thereby improving their quality of life comprehensively.

With the desire to realize the dream of settling down, Agribank has launched a preferential loan program for individual customers buying apartments at Tan An Apartment Project, located in Thuan Giao Ward, Ho Chi Minh City (formerly Thuan An City, Binh Duong Province), invested by Tecco Mien Nam. Customers can borrow up to 75% of the value of the Sales Contract/Sales Contract Transfer Contract when mortgaging the assets formed from the loan capital.

In particular, in case the customer has collateral other than the assets formed from the loan capital, the customer can borrow up to 100% of the value of the Sales Contract/Sales Contract Transfer Contract. The maximum loan term is 35 years, with a maximum principal grace period of 12 months. Agribank applies a fixed preferential interest rate in the initial period with flexible options: 5.5%/year in the first 6 months (with a minimum loan term of 18 months), 6.2%/year in the first 12 months (with a minimum loan term of 36 months), and 6.5%/year in the first 24 months (with a minimum loan term of 60 months). This is one of the outstanding policies, contributing to bringing the dream of owning a quality home at a reasonable cost closer to many customers, especially young workers and newly established families.

The simultaneous implementation of many preferential credit programs is a clear demonstration of Agribank's efforts in continuing to resolutely and more effectively implement the direction of the Government, the Prime Minister and the State Bank in reducing operating costs, enhancing the application of information technology, digital transformation, simplifying procedures and other measures to reduce lending interest rates, support people and businesses in accessing bank credit capital, and promoting production and business development.

Not only providing financial support, Agribank's loan packages are also a commitment to accompany customers - from the dream of having a stable home, to business development or aiming for a more fulfilling and quality life every day. This is also how Agribank affirms its pioneering role as a Vietnamese commercial bank that combines business activities with social responsibility, providing appropriate, practical and timely financial solutions to customers on the journey of economic development - stable life.

Source: https://baodautu.vn/agribank-tung-loat-goi-vay-uu-dai-cho-khach-hang-ca-nhan-d352347.html