Borrowing money to buy a home will be more and more difficult?

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The capital source for real estate (real estate) will be increasingly narrow after the State Bank issued Circular 22, which reduces the ratio of using short-term capital for medium and long-term loans from 40% to 30%, the roadmap. from 2020 to 2022.

Having just sold a piece of land in the fringes, Ms. Trang (Q.Gap Vap, Ho Chi Minh City) intends to borrow more than VND 2 billion to buy a townhouse in an urban district. Going to the branch of a state-owned bank on Nguyen Thai Son street (Go Vap District), Ms. Trang was told by the credit officer that the bank's policy has changed. Accordingly, no longer preferential interest rates as before, the lending rate initially applied is around 11% / year, floating, adjusted every 6 months based on the 24-month mobilizing interest rate plus 3 margin. , 8-4.5% / year. Calculated to range from 10.6-11.3% / year.