Investor offers solutions support loan to buy house

In the context of “tightening” credit, many investors and banks also have policies to optimize financial support solutions for homebuyers.

Limited credit lines of banks make it increasingly difficult for people with real housing needs to access loan flows.

Difficult to get a loan to buy house

Mr. Khanh, 31 years old, a salesman in Ho Chi Minh City, intends to borrow to buy an apartment to live in. He plans to borrow at a bank linked to the investor so he doesn’t need collateral, just needs to prove his income. However, the bank announced to stop disbursing the project he bought because this unit restructured its portfolio.

Similarly, Ms. Thanh Nga (who lives in Nha Be district) also has difficulty in getting a loan to buy a house. Although there is a savings book at the bank, it is only necessary to borrow a smaller amount than the savings amount, but the bank refuses to lend because of “running out” of room. Her family had to meet several banks to get loan disbursement with strict appraisal procedures.

Mr. Tien, an employee of a state-owned bank in Ho Chi Minh City, said that in the past few months, many individual customers have come to his bank to ask for a home loan. But with no credit room, the bank had to refuse.

Bank employees perform transactions for customers. Photo: Giang Huy

Regarding the issue of tightening credit in real estate, Ms. Vo Thi Khanh Trang, Deputy Director, Research Department of Savills Vietnam, said that this is a positive signal because it shows that the market is being purified. strongly in the direction of more sustainable and healthy development. In terms of home buyers, the credit squeeze can reduce the group of speculative, surfing and non-residential buyers, thereby helping home buyers with real needs get closer to home ownership opportunities. .

Solution to remove dificult

In the context of a difficult market, to remove difficulties for customers, investors offer flexible payment support options. At the Essensia Sky project (Nguyen Huu Tho, Nha Be), priced from 55 million per m2, the investor Phu Long has linked with HDBank to offer many preferential policies for homebuyers. .

Specifically, buyers need to pay 10% in advance to be able to sign a sales contract. HDBank supports loans up to 80% for a period of 35 years, with grace for principal and interest free within 24 months. In October 2024, the buyer pays 5% at the time of receiving the house. In addition, home buyers are supported with the fastest transfer procedures.

Essensia Skywith many incentives and especially HDBank supports loans up to 80%. Photo: Thanh Nhan

According to a representative of Phu Long Company, with the Essensia Sky project, the payment plan is designed to create the most favorable conditions for both real-life buyers and long-term investment.

“From the design and architecture inspiration, the selling price, and the payment method of the project towards people who want to buy for living and for long-term rental. We understand customer needs and desire to accompany, solve difficulties,” said a representative of Phu Long.

The project is oriented towards health apartments

Essensia South Saigon is positioned as a health apartment product line in Dragon City urban area, located right in front of Nguyen Huu Tho street – the gateway route connecting and located in the fast-growing area of ​​Saigon South. .

This is also an area that fully integrates regional connection facilities such as education, healthcare, commerce – services, entertainment and rich internal facilities. In the near future, moving from the project to the center of District 1 and surrounding areas will become more convenient and easier thanks to the development of Metro lines and neighboring satellite towns.

The project marks the combination of Phu Long and prestigious names such as Tange (concept design), NQH Architects (architectural design), Subana Jurong (master plan)…

Essensia Sky was introduced to the market at a time when the real estate market in the South was the most exciting of the year. Perspective photo: Tange Consultant

The competitive advantages of Essensia Sky compared to other projects in the region are low construction density, minimalist style, beautiful architecture, multi-layer protection corridor, safe and intelligent structure. The apartment lobby is separated from the commercial area, the paths and walkways are invested, creating a unified whole for the project.

With the goal of bringing a fully-utilized life to residents, the investor focuses on building a system of community facilities such as children’s playground, meditation garden, sports and BBQ ground, library, gym and spa Luxury, Constellation infinity pool, Sky Bridge… In which, health-oriented utilities are focused by the investor with: Doctor Aibolit family doctor clinic, Yoga room, medical treatment room Traditional, Zen garden, Midori international preschool, Victoria inter-school and many other facilities are available right in Dragon City urban area.

“The utility chain promises to bring residents a healthy life, where the body – mind – mind is calm, bringing happiness to residents”, said the representative of the investor.

The apartments in the project are a combination of Japanese and Vietnamese architectural styles, smartly designed with wide open views, 2-4 airy sides to receive natural light. The products are designed to suit the needs of young families, large families and multi-generational families, with an area of ​​2-5 bedroom apartments from 74 to 347m2.

According to VnExpress

The Essensia Sky sale event will take place on September 17. The project is being introduced with the price from 55 million VND per m2, handing over the apartment with basic finishing with international branded materials and equipment. Customers in need will be supported by the bank to lend up to 80% of the contract value for a period of 35 years, 0% interest rate and grace period until the house is received.

– Opening event: September 17
– Website: https://essensia.com.vn
– Hotline 24/7: 1900 1899