In major cities, stable housing is a common aspiration for workers. However, with continuously rising home prices and escalating rental costs, homeownership has become challenging for many young families and workers.

To support this customer segment, KBank launched a home loan package in December. It features financial incentives and an expedited approval process, aiming to alleviate initial cost burdens and support long-term financial planning.

Reducing the burden of initial costs

According to KBank, the loan package includes a cashback policy equivalent to one month's interest. This cashback is calculated based on the second repayment month, ensuring customers receive the full support value and avoid interest discrepancies in the first month.

A fixed interest rate of 6,66% for three years allows borrowers to plan their expenses. This is particularly beneficial for families with stable incomes who must balance multiple expenditures. Fixing the interest rate initially is a key factor, especially given potential market volatility.

The bank also waives fire insurance fees for the entire loan period and requires no deposit. This further reduces incidental costs and simplifies loan conditions.

KBank offers incentives for homebuyers. Photo: KBank Vietnam

KBank offers incentives for homebuyers. Photo: KBank Vietnam

Expediting the approval process

Recognizing that workers have limited time for complex procedures, KBank has shortened the pre-approval time to three business days. This enables customers to quickly secure their desired homes.

During this process, the bank provides step-by-step guidance, allowing borrowers to focus on financial planning and selecting suitable properties.

KBank's preferential loan package is available from 1/12 to 31/12. To fully enjoy the interest rates and cashback offers, customers must complete disbursement before 15/1/2026.

Owning a stable home offers more than financial significance; it provides future security. For young families, it brings peace of mind for work, raising children, and long-term planning. With improving urban infrastructure and rising property values, choosing the right loan package at this time can yield substantial benefits for buyers.

Anh Vu

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