The direction for real estate credit products in Vietnamese commercial banks

Abstract

In recent years, real estate lending has always been the most valuable lending segment of banks with the
proportion of about 10% of total outstanding loans (National Financial Supervisory Committee, 2018). Real estate
lending, especially for individual customers will continue to attract the attention of banks because Vietnam has a
young population structure and high housing demand. The article focuses on collecting information from individual
customers as well as bank staff to assess the ability to meet customer needs of current real estate credit products.
At the same time, it also offers solutions to improve and develop real estate credit products in the future