Opportunity to borrow to buy a house with interest rate from only 3.99%

From now until December 31, 2025,SHB will deploy a VND16,000 billion loan package to serve home buying needs with preferential interest rates starting from only 3.99%. This is considered an attractive interest rate in the current market.

Customers will be able to borrow up to 90% of the value of the property they intend to buy, with no limit on the loan amount, and with an interest rate starting from only 3.99%/year. In addition, customers will also be exempted from paying the principal for the first 60 months - equivalent to 5 years - and will receive an attractive credit card/overdraft limit.

Notably, with a loan term of up to 35 years and a principal repayment schedule designed specifically according to financial capacity (paying the principal in equal installments or increasing the principal amount with a periodic frequency of monthly/quarterly or up to 6 months/time) will help customers reduce their worries about financial pressure and enjoy life right in their own home.

Home loan customers can also be flexible in choosing suitable collateral such as: valuable papers/deposit balance, real estate intended to be purchased through loan/other owned real estate or cars.

According to the Vietnam Association of Realtors (VARS), in 2024, the entire market recorded nearly 81,000 real estate products for sale, an increase of more than 40% compared to 2023; 65,376 new products for sale, about 3 times higher than in 2023. Meanwhile, 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. Therefore, the above experts believe: This is considered a quite suitable time for people, especially young people, to quickly own their dream home.

SHB representative said that with this year's home loan package, SHB has improved the processing procedure to provide maximum support to customers in terms of loan procedures and documents; shortening the 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 salary, from individual business activities, from businesses owned by customers and some other sources of income.

"SHB's home loan package has competitive interest rates, closely following the market and meeting actual needs. With this policy, home buyers can be completely assured of reducing the pressure of paying principal in the years, with a regular and flexible method of paying principal early without additional fees. This is also an advantage and benefit for home buyers to be proactive in their finances and stabilize their lives," said a SHB representative.

Along with preferential interest rates, SHB's team of professional, knowledgeable and solid staff is always ready to accompany and support customers anytime, anywhere to process documents and disburse quickly, meeting the capital needs in time to own the desired apartments and houses. SHB's team also provides other consulting services, accompanying customers throughout the home buying process.

With a loan term of up to 35 years and a principal repayment schedule designed specifically according to financial capacity (paying the principal in equal installments or increasing the principal amount with a periodic frequency of monthly/quarterly or up to 6 months/time), it will help customers reduce their worries about financial pressure and enjoy life right in their own home.

Previously, in 2024, SHB also launched a home loan package in particular and a loan program with attractive interest rates. Millions of customers have chosen the bank as a trusted partner to borrow money to buy houses and use financial solutions and services to serve production, business, consumption and life stabilization activities.

SHB leaders affirmed: After more than 31 years of accompanying customers and the country, SHB has always been proactive in implementing, closely following the orientation of the Party and State, actively accompanying, creating and spreading good values to the people and society. In particular, the bank always strives to build many diverse solutions, optimal financial services, constantly improving quality, designing credit products and financial services suitable to the needs of customers and the market.

SHB is focusing resources to implement the strong and comprehensive Transformation Strategy 2024-2028 and set the strategic goal of becoming the TOP 1 Bank in terms of efficiency; the most favorite Digital Bank; the best Retail Bank and at the same time the TOP Bank providing capital, financial products and services to strategic private and State corporate customers, with a supply chain, value chain, ecosystem, and green development.

In 2024 - the pivotal year of the Transformation Strategy, SHB completed and exceeded many targets assigned by the General Meeting of Shareholders at 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 ratio of operating expenses/total operating income (CIR) was at 24.5% - the lowest group in the industry. Total assets by the end of 2024 were at over VND 747 trillion, up 18.5% compared to the end of 2023. Outstanding credit balance was at nearly VND 534 trillion, with a credit growth rate of 18.2%. SHB continues to ensure safety, liquidity, and risk management indicators in compliance with and better than the regulations of the State Bank.

Recently, SHB also announced February 27, 2025 as the last registration date to close the list of shareholders to exercise the right to receive stock dividends in 2023 at a rate of 11%.

According to the Resolution of the 2024 Annual General Meeting of Shareholders, SHB will pay 2023 dividends at a total rate of 16%, including 5% in cash and 11% in shares. In August 2024, the Bank completed the first payment of 2023 cash dividends at a rate of 5% to shareholders.

Over the years, SHB has regularly paid dividends at a rate of 10-18%, demonstrating its responsibility to shareholders, while constantly improving its capital base, developing safely, sustainably and effectively, and continuously improving its management capacity according to international standards and modern models.

The strong financial foundation is the measure that affirms SHB's reputation in the market, thereby being the basis for expanding capital attraction from residents, businesses or mobilizing from the bond market with appropriate interest rates and terms, to circulate capital to key areas, prioritized for development of the Government , green credit...

Source: https://baochinhphu.vn/tin-vui-cho-gioi-tre-khi-vay-mua-nha-voi-lai-suat-chi-tu-399-102250221233358928.htm