Agribank synchronously deploys many preferential credit programs for individual customers.

Agribank synchronously deploys many preferential credit programs for individual customers. Illustrative photo

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 VND 50,000 billion. 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 and 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 has also implemented a medium and long-term loan program with a scale of VND 10,000 billion. 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 rates are 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 housing quality, thereby improving the quality of life comprehensively.

With the desire to realize the dream of settling down, Agribank has implemented 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 property formed from the loan capital. In particular, in case the customer has other collateral assets in addition to the property 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 for the first 6 months (with a minimum loan term of 18 months), 6.2%/year for the first 12 months (with a minimum loan term of 36 months), and 6.5%/year for 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 house 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 implement more drastically and effectively the direction of the Government, the Prime Minister and the State Bank of Vietnam in reducing operating costs, enhancing the application of information technology, digital transformation, simplifying procedures and other measures to reduce lending interest rates, supporting people and businesses to access bank credit capital, promoting production and business development. Not only 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 towards a more fulfilling and quality life every day. This is also how Agribank affirms its pioneering role as a Vietnamese commercial bank that links business activities with social responsibility, providing appropriate, practical and timely financial solutions to customers on the journey of economic development - stabilizing life.

For more details, customers can contact the Customer Care and Support Center immediately: 1900558818/02432053205 or visit Agribank transaction points nationwide.

Source: https://daibieunhandan.vn/agribank-trien-khai-dong-bo-nhieu-chuong-trinh-tin-dung-uu-dai-cho-khach-hang-ca-nhan-10382555.html