In alignment with the Government's policy of supporting young people in homeownership, from March 23, 2025, to December 31, 2025, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) will implement a credit package to support investors and young people buying or leasing homes. This is the first credit package on the market specifically designed for investors and the largest package currently available for young people aged 35 and under.

Accordingly, for investors who commit to allocating at least 30% of the total output of a commercial real estate project for young people, BIDV will offer preferential policies such as:

• Funding ratio: Up to 75% of the total investment
• Loan interest rate:
  • Support interest rate: Fixed at 6% per year for up to 24 months from the first disbursement date, but no longer than 50% of the loan period.
  • After the support interest rate period: Loan interest rate = 24-month post-paid savings interest rate for individual customers + a margin lower than the usual margin by 1-2% per year.

The loan package applies to both new borrowing projects and those approved by BIDV but not yet disbursed, ensuring feasibility and compliance with the credit regulations set by the law and BIDV at each period. BIDV prioritizes disbursement for customers who offer discounted prices for young people.

Building on its success in pioneering ESG practices and creating a green bank, BIDV continuously implements timely and effective financial solutions, closely following the guidance of the Government and the State Bank of Vietnam. This includes supporting businesses through preferential loan interest rates, increasing loan ratios, improving processes, enhancing service quality, and standing with businesses during difficult times. In 2023, BIDV allocated over 8,600 billion VND in income to share the challenges with customers.

Customers are kindly invited to visit BIDV branches nationwide for detailed guidance or contact:

Bank for Investment and Development of Vietnam JSC

Hotline: 1900 9248

Website: www.bidv.com.vn