MB Bank offers diversified loan packages by segment with interest rates from 9.5% per year

In a context where deposit rates are cooling, demand for loans to support production and business activities and home purchases has been gradually rising again. Responding to this trend, MB Bank has rolled out multiple credit packages with competitive rates tailored to different customer segments. Following a planned increase in charter capital approved by the General Meeting of Shareholders, MB Bank's charter capital could reach about 102,000 billion VND by 2026, among the highest in the system. MB Bank is also among the leaders in market size of customers and internal governance efficiency. A bank representative said MB intends to develop in parallel between expanding scale and improving governance quality. Specialized loan packages for each customer segment: Sticking to the 'customer at the center' strategy, MB Bank has made a breakthrough in designing specialized financial solutions closely aligned with the real needs of each segment. For individual customers, MB Bank impresses by setting lending limits among the highest in the market. Specifically: - Private segment (premium clients): Access to a real estate loan package up to 200 billion VND. Consumer loan products and secured overdraft also pushed to the top ceiling of 10 billion VND. - Priority segment: Support loan limit for home purchases up to 50 billion VND and consumer overdraft with collateral up to 5 billion VND. The prevailing interest rate for these loan packages is currently around 9.5% per year for the 12-month term. A major advantage lies in the flexible repayment mechanism, allowing customers to actively choose the timing and path of preferential terms based on their financial capability. On the digitalization track, MB continues to solidify its leadership in the manufacturing and business customer area. The bank has implemented a fully digital disbursement process with 90% of disbursements completed via the app. This process enables customers to fully withdraw funds and settle loans via the app with preferential rates starting at 8.8% per year, helping to optimize capital costs and operating time. Credit provision targeted to the right objects, meeting actual needs: In relation to the State Bank of Vietnam's directive on credit control in the real estate sector, MB Bank representatives say: 'Tightening credit does not mean tightening lending. The bank remains focused on lending to the right targets, meeting real housing needs, while developing policies tailored to each customer group.' Additionally, MB is expanding its ecosystem through partnerships with major players to digitize processes, thereby shortening application processing time, simplifying procedures, and enhancing customer experience.