Dream Home – Realizing the dream house for young people
According to the latest report from the Ministry of Construction, newly licensed real estate projects continue to decrease compared to previous years, causing the supply of real estate and housing, especially housing for low-income people. is still limited. While thousands of apartments are still in stock, they mainly focus on the segment of apartments, high-class houses, tourism and resort real estate…
Not only the limited supply, the housing price level has also been adjusted. In the period of 2020-2021, house prices have increased compared to the period of 2018-2019, according to calculations by the Department of Housing and Real Estate Market Administration, the price of luxury apartments increased by about 0.5%, mid-end apartments increased by about 0.5%. 2-3%, land plot increased by 5%, some places increased by 10%.
In addition, over the past time, the impact of the COVID-19 epidemic has changed the working habits and living habits of many people. As remote working becomes a trend and people are forced to stay at home more and more, the comfortable living space as well as owning their own home is increasing.
Also because of the increase in demand, house prices in many big cities are pushed higher, exceeding the financial ability of low- and middle-income people. Especially, for young people or young couples, the desire to have a place to live and work is even more difficult.
Understanding that urgent need, from the end of 2021, OCB has launched Dream Home product to realize the dream home for customers.
The Dream Home home loan product is the deliverable of OCB’s Customer Journey construction project consulted by BCG Group. Dream Home is one of OCB’s strategic projects in the year 2021-2022 with a remarkable improvement compared to the same industry lending product as the Flexible Stair Principal Payment Method.
This method is specifically designed for customers who are young urban people with the desire to own their own dream house but face many financial obstacles such as insufficient savings, low income. not high.
OCB designs products based on young people’s income that will increase year by year – the expected increase is 10%/year, with this step-by-step repayment method, the principal amount to be paid increases gradually over the years. but interest still follows the decreasing balance of the loan. With Dream Home, the amount to be paid in the early years will become more reasonable, about 12-13 million VND/month – equivalent to the rental price of a mid-range apartment in the city.
Besides, Dream Home is also a testament to OCB’s efforts in understanding customers’ minds when increasing the loan period to 30 years instead of only 20-25 years as before, super preferential interest rates are only from 6.99%/year, offsetting loan up to 24 months, original grace period up to 12 months, flexible proof of income up to 3 billion dong.
After 4 months of sales, the impressive numbers brought by Dream Home show that the product meets the needs of customers. The Dream Home home loan product achieved sales of nearly 2,000 billion disbursed sales and more than 1,000 loan applications were approved successfully.
With the orientation of bringing as many dream homes to all young people, OCB does not stop at launching Dream Home home loan products. On March 21, 2022, OCB cooperated with a real estate partner to officially launch the breakthrough technology platform “Unlock Dream Home”. There are thousands of reputable real estate portfolios here, combined with loan packages from OCB, home search, loan calculation and financial planning support for home loans all in just one. communication.
Mr. Nguyen Van Huong – Retail Manager of OCB shared about the comprehensive home loan financial solution on Unlock Dream Home
Mr. Nguyen Van Huong – Head of Retail Division OCB shared: “In order to raise the customer experience to a new level, after a period of research, we collaborated with partners to launch the first Unlock Dream Home platform. Not just a website with rich real estate portfolios, Unlock Dream Home’s difference is the direct integration of loan calculation tools, home sales and application applications. profile online, delivering a seamless customer journey – all on one digital platform.”
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at Blogtuan.info – Source: cafebiz.vn – Read the original article here
