With over 67 years of development, BIDV deeply understands the desire to own a dream home for a stable and prosperous life. Committed to providing optimal financial solutions, BIDV has continuously developed home loan products, establishing the reputable brand "With BIDV, You Have a Home," trusted by millions of Vietnamese families.

The home loan products are designed to fully support customers in purchasing, building, and renovating homes. With loan terms of up to 30 years and a maximum loan amount covering 100% of the capital needs, BIDV offers flexibility and peace of mind to customers. This not only helps reduce financial burdens but also shortens the time to own a dream home.

Attractive Interest Rates Starting from 5.7% per Year

To realize the dream of homeownership for millions of Vietnamese families, BIDV offers attractive interest rate policies until December 31, 2024. These policies apply to individual customers borrowing for housing needs or repaying pre-existing home loans from other banks. Specific details are as follows:

No	Applicable Area	Preferential Interest Rate	Application Period	Minimum Loan Term
1	Hanoi and Ho Chi Minh City	From 5.7%/year	6 months from the disbursement date	36 months
		From 6.0%/year	12 months from the disbursement date
2	Other areas	From 6.5%/year	6 or 12 months from the disbursement date	36 months
		From 6.5%/year	18 or 24 months from the disbursement date	60 months

Note: Actual interest rates may vary depending on the area and specific customer conditions. After the preferential period, interest rates will be applied according to BIDV's policies at that time.

Experience Fast and Convenient Home Loans at BIDV

To help customers quickly own their dream homes, BIDV focuses on optimizing processes and supporting customers at every touchpoint: before, during, and after the loan process. The home loan process at BIDV includes the following basic steps:

1. Consultation: BIDV staff will advise customers on home loan products, loan conditions, interest rates, procedures, and loan terms suitable for individual needs.
2. Preparing Documents: After selecting the appropriate loan product, customers will prepare necessary documents such as ID card/Citizen ID, proof of income, and documents related to the collateral.
3. Appraisal and Approval: BIDV will quickly and accurately appraise the customer's loan application. The appraisal process is conducted by experienced financial experts, ensuring transparency and objectivity.
4. Signing Loan Agreement and Disbursement: Once the loan application is approved, customers will sign the loan agreement with BIDV. The disbursement process will be fast, ensuring customers receive the loan amount soon to execute their planned projects.

The home loan products under the brand "With BIDV, You Have a Home" will continue to accompany customers with a commitment to always provide the best preferential policies and dedicated customer care services, contributing to realizing the dream of owning a dream home for millions of Vietnamese families.

For detailed consultation on the program, please contact BIDV through the following official channels:

• All BIDV branches nationwide.
• 24/7 Hotline: 1900 9247
• Website: www.bidv.com.vn
• Email: bidv247@bidv.com.vn