Complete your dream home with Unlock Dream Home
After just over 2 months of being put into operation, the platform has attracted nearly 200,000 visitors and more than 3,000 consulting registrations. Hundreds of customers access loans and choose the right home.
Gathering more than 6,000 diverse real estate in many segments (houses, apartments, land plots, projects, …), Unlock Dream Home is not only a channel of information about real estate but also a place to connect to help. The dream of many families has come true. Here, users are advised “package” from project information, how to buy a house to financial solutions to own the desired house through the “Loan with OCB” feature.
Accidentally introduced to Unlock Dream Home website by friends and enlisted to search for information during his lunch break, Mr. Tuan (Ha Dong – Hanoi), was lucky to find a house that was right for him.
With limited financial capacity, after 3 years of working, the accumulated and mobilized capital is only about 400 million VND, buying a house seems to become even more distant for Mr. Tuan and his wife, Ms. Thuy.
“Many times of consulting, going to see houses but not being satisfied or unable to finance, we also researched many banks about loan packages, but the process, procedures and policies quite a lot made me frustrated. However, I was really lucky to have found a reasonable solution with Unlock Dream Home.The information on the web not only helped me find a suitable home but also outlined a financial plan to own it. “, Tuan shared.
Young urban families like Mr. Tuan – Ms. Thuy, always aspire to own a house of their own, in addition to finding a suitable project, the big problem is the financial obstacle, this is the division of labor. The customer segment that the Dream Home home loan product is aimed at, instead of just focusing on high-end apartment and real estate projects.
This home loan package will be deployed from the end of 2021 and is integrated through the “loan with OCB” feature on the Unlock Dream Home platform. This is one of the strategic projects and the deliverables of OCB’s Customer Journey construction project consulted by BCG.
With Dream Home Home Loan – finance is no longer an obstacle
The project 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: not enough savings, not enough income high. This bank has designed a product based on the income of young people that will gradually increase year by year – the expected increase is estimated at 10%/year, the principal amount to be paid increases gradually over the years but the interest is still according to the decrease in the outstanding balance. gradually.
Our “Dream Home” product is aimed at young people, and in the accumulation phase, they can pay very little principal in the first years and increase gradually over the years. However, with this product, a home loan customer is about 2 billion VND, each day the couple only has to accumulate about 420,000 VND to pay the bank, the rate of participation in equity is 20%,” said Nguyen. Van Huong – Director of OCB Retail Division said.
The loan period of the product is also increased to 30 years instead of 20-25 years as before, preferential interest rate is only from 6.99%/year, offsetting loan up to 24 months, principal grace period up to 12 Monthly, flexible documents proving income up to 3 billion VND.
While the Dream Home product is a practical financial option for customers, the Unlock Dream Home platform is a place to help them plan their personal finances in line with the dream home plan.
Through the “Borrow with OCB” feature, with the corresponding property value selected, customers can adjust the loan amount and desired time. It only takes less than 10 minutes to enter personal information, loan needs, collateral, source of income, the system automatically checks the loan balance history, checks and immediately informs the customer whether there is enough conditions for loans at OCB or not.
From there, customers will receive accurate information about the loan limit that the bank will grant, the total payment amount including monthly principal and interest, and a detailed payment schedule, a list of customer documents needed. prepare.
Not stopping there, to get official approval from the bank, customers only need to apply for a loan online and provide an online profile. Once completed, customers can track the status of their profile right on the Unlock Dream Home digital platform. Bank staff will always support customers throughout the process of making home loan procedures.
It can be seen that, with practical features and a combination of digital technology, the Unlock Dream Home platform has brought a new and superior experience to customers when they have a need for housing today.
Following the Economic Lifestyle
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
