Over the years, HDBank has continuously expanded its financial solutions to help more people, especially those with average and low incomes, have more access to the opportunity to own their own home.

Not only accompanying investors in developing social housing, HDBank also designs flexible loan packages, suitable for the financial capacity of workers in industrial parks, export processing zones, urban and rural areas. Currently, HDBank continues to implement home loan solutions with installment payments starting from only about 200,000 VND/day - creating more favorable conditions for many families to soon stabilize their lives.

Accordingly, HDBank will allocate an appropriate budget to support people to borrow to buy social housing, loan packages up to 70% of the purchase contract value, loan term up to 50 years, principal grace period up to 24 months from the first disbursement date, helping customers proactively balance between financial resources and debt repayment plans. In particular, depending on the actual financial capacity of each customer, HDBank will advise customers on the most suitable loan options and repayment terms.

HDBank representative shared: “HDBank always aims to clear the flow of supply and demand for social housing, ensuring that everyone in need can access loans with reasonable interest rates, contributing to promoting the sustainable development of the real estate market. Customers borrowing to buy social housing at HDBank will only need to pay from 200,000 VND/day, the long loan term helps to significantly reduce financial pressure.”

Long term loan, easy payment - HDBank helps young people settle down

According to current regulations, those eligible to buy social housing are single people whose income must not exceed 15 million VND/month; married people whose total income for both husband and wife must not exceed 30 million VND. Many social housing projects currently have prices ranging from 800 million VND to 1.2 billion VND, including forms such as townhouses and apartments. Accordingly, with preferential loans at HDBank, people with low incomes can completely buy a house and soon settle down.

Since 2023, the Prime Minister has issued Decision 338/QD-TTg approving the Project to build at least 1 million social housing apartments for low-income people and industrial park workers in the 2021-2030 period. Along with that is a preferential credit package of up to VND 145,000 billion, with the participation of 9 major commercial banks, including HDBank. In early 2025, the State Bank will continue to direct these banks to promote lending for social housing, workers' housing and renovation of old apartments according to Resolution 33 of the Government.

Inheriting its mission from the early days as a “Housing Development Bank”, HDBank always accompanies people on their journey to settle down, through flexible financial solutions, contributing to the development of urban infrastructure and improving the quality of life of the community. Continuing that spirit, HDBank is actively implementing the Government's National Housing Development Strategy for the period 2021-2030, with a vision to 2045, with specific, practical steps closely linked to the actual needs of the people.

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News and photos: PHAN TU

Source: https://www.qdnd.vn/kinh-te/tin-tuc/vay-dai-tra-nhe-hdbank-tiep-suc-nguoi-tre-an-cu-825359