e-BankingNCB DEPLOYS SUPER PREFERENTIAL LOAN PACKAGE WITH INTEREST RATES FROM ONLY 3.99%/YEAR
Continuing a series of practical actions to support individual customers in accessing preferential capital easily and conveniently, National Citizen Commercial Joint Stock Bank (NCB) has deployed loan packages to buy, build, repair real estate and business loans with attractive interest rates from only 3.99%/year.
Loans to buy, build, and repair real estate from only 3.99%/year
NCB introduced in April 2024 a loan package featuring extremely preferential interest rates designed for real estate purchase, construction, and maintenance. This initiative aims to provide families with convenient access to flexible financial solutions that enable them to realize their aspiration of owning a comfortable and joyful home.
Specifically, from now until June 30, 2024, customers who need loans to buy or repair real estate will receive interest rate support from NCB from only 3.99%/year. The interest rate policy is as follows:
|
Criteria |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
|
Preferential period |
03 months |
05 months |
11 months |
24 months |
|
Preferential interest rate |
3.99%/year |
4.99%/year |
5.99%/year |
6.99%/year |
|
Interest rate after incentives |
PR (*) + 3%/year (*) Prime rate |
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|
Early repayment fee
|
- First year: 3% - Over 1 year to 3 years: 2% - Over 3 years to 5 years: 1% - Over 5 years: Free |
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Business loan from only 5.99%/year
Besides, implementing the government's policy on directing credit capital to production and business sectors, NCB also designs specialized loan packages for individual customers looking for capital to start a business and develop their business.
Accordingly, customers who borrow capital for production and business from now until June 30, 2024 at NCB will enjoy loan interest rates from only 5.99%/year. Interest rate policy is as follows:
|
Criteria |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
|
Preferential period |
3 months |
5 months |
9 months |
11 months |
|
Preferential interest rate |
5.99%/year |
6.99%/year |
7.99%/year |
7.99%/year |
|
Minimum debt collection agreement period |
5 months |
5 months |
9 months |
11 months |
|
Interest rate after incentives |
PR (*) + 3%/year (*) Prime rate |
|||
|
Early repayment fee |
- 1% |
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Concurrently, NCB ensures the timely provision of capital to customers through a variety of flexible policies, including the elimination of early repayment fees for loans repaid less than 30 days prior to the due date and the simplification of credit granting appraisal and approval processes and time. Subsequently, assist customers in expeditiously obtaining capital and seizing business opportunities, thereby augmenting competitiveness and expanding operational scope.
Customers seeking additional information regarding program regulations, advantageous preferential loan packages, and such matters may consult the NCB website (https://www.ncb-bank.vn), reach out to NCB transaction offices/branches across the nation, or dial (028) 38 216 216–1800 6166.
