FINANCING SOLUTIONS FOR ENTERPRISES IN INDUSTRIAL PARKS

A comprehensive financing package for enterprises in industrial parks with needs such as:
˗ Acquiring real estate for production sites or business premises
˗ Investing in the construction of factories, warehouses, and offices
˗ Purchasing machinery, equipment, and transport vehicles for operations
Financing is available for both existing and new projects.

Early access to capital without legal barriers
˗ For allocated land or land leased with one-time payment: credit can be approved for the deposit stage, no pending until execution of land lease contracts or land use right certificates.
˗ For land leased with annual payments: presentation of a signed land lease contract with the investor/seller is required.
˗ No notarization required for collateral rights arising from land lease contracts.

Flexible collateral options
˗ No additional collateral required beyond the real estate formed from the loan.
˗ Accepted collateral includes:
  + Land use rights and rights arising from annual land lease contracts
  + Buildings and structures attached to the land
  + Assets without land use right certificates at the time of mortgage
˗ Clear and transparent risk control procedures.

Optimal loan terms
˗ Loans for land and construction investment: up to 20 years
˗ Loans for refinancing invested expenditure: up to 24 months
˗ Grace period for principal and/or interest based on project cash flow
˗ Flexible timeline for transferring land use right certificates

Maximizing loan-to-value:
˗ Machinery and equipment currently in use at factories withing the industrial park is acceptable as collateral
˗ Manufacturing enterprises have better chance to access financing tailored to their production.

Broad applicability
˗ Applicable to all types of lands in industrial parks: allocated land, land leased with one-time payment, and land leased with annual payments.

˗ Enterprises currently operating in industrial parks, including newly established enterprises.
˗ Enterprises with new or expansion projects in:
  + Industrial parks
  + Industrial clusters
  + High-tech zones
  + Economic zones
  + Export processing zones

˗ Loan currency: VND
˗ Benefits:
  + Lending interest rates starting from 5.2% per year
  + Preferential interest rate for the initial term is fixed up to 60 months
  + Discounts or waivers on early repayment fees (*)
˗ Flexible repayment plan: equal principal payments or step-up payments based on the customer’s cash flow and repayment capacity
(*) Interest rates and benefits are subject to ACB’s announcements or programs from time to time

For more details, please contact a nearby ACB branch or sub-branch, or call our 247 Contact Center at the following numbers:
  📞 1900 54 54 86
  📞 028.38 247 247
  📞 1800 57 77 75