NCB Launches Flexible Credit Package to Support Real Estate Distribution Agents in Capturing the Recovery Cycle

Accompanying real estate distribution agencies entering the recovery cycle, National Citizen Commercial Joint Stock Bank (NCB) introduces a flexible, specialized financial solution tailored to practical needs. This solution empowers enterprises to proactively secure capital, enhance competitiveness, and seize opportunities to accelerate growth at the right time.

Real estate market revival – agencies need resources to capture opportunities

The first half of 2025 has witnessed a clear recovery in Vietnam’s real estate market. According to the Vietnam Association of Realtors (VARS), in the second quarter alone, the market recorded more than 36,000 new housing units, 2.5 times higher than in the first quarter and over 90% higher compared to the same period last year. For the first six months, total supply reached approximately 64,000 units, equivalent to 80% of the entire year 2024. Notably, data from the General Statistics Office shows that nearly 2,800 real estate businesses re-entered the market and more than 2,500 new enterprises were established during the first half of the year, reflecting strong confidence in the market’s new recovery cycle.

In parallel, a series of robust Government policies—such as interest rate cuts, legal obstacle removal, and credit facilitation—have been implemented in a synchronized manner, laying a solid foundation for the real estate market to enter a new growth cycle.

Within this revitalized ecosystem, real estate distribution agencies play a critical role by directly connecting and delivering products to end customers. However, to effectively implement sales campaigns, pay salaries and brokerage commissions, and maintain efficient operations, these agencies require timely and flexible financing—a challenge for many enterprises in this sector.

Real Estate Distribution Agencies Need Resources to Enter the Market Recovery Cycle

Ready Capital with a “Tailor-Made” Solution for Real Estate Distribution Agencies from NCB

Demonstrating agility in response to market fluctuations and a deep understanding of industry characteristics, the National Citizen Commercial Joint Stock Bank (NCB) has developed a specialized credit solution exclusively for real estate distribution agencies. This package enables enterprises to access capital and seize opportunities promptly, overcoming short-term cash flow challenges to accelerate growth over the long term. The credit package is designed with flexibility, aligned with business cycles, and allows financing of up to 90% of working capital needs in the annual plan or specific business projects. This critical support enables enterprises to proactively launch sales campaigns, strengthen their salesforce, and drive revenue growth during golden market opportunities.

Credit resources from NCB serve as a powerful lever for enterprises to boost sales and expand their teams

Not only attractive with high financing limits, NCB also accepts receivables as collateral with financing of up to 80% of their value. This allows enterprises to fully leverage circulating cash flow to enhance financial resources without pledging physical assets. The bank also offers flexible policies with fast appraisal and approval processes, minimizing traditional procedural complexities to ensure quick access to capital.

Another outstanding feature of the package is that enterprises can access overdraft facilities of up to VND 5 billion, meeting short-term financing needs arising during operations, such as advance payments for brokerage commissions, payroll, marketing expenses, or sales event organization. This solution is especially suitable in contexts where businesses must quickly get up to speed and seize market opportunities without missing critical growth moments.

In recent years, NCB has continuously refined its portfolio of industry-specific credit solutions tailored to diverse business models. This reflects the bank’s clear direction—not only providing timely financing aligned with practical needs and improving capital efficiency, but also closely accompanying enterprises in enhancing business performance and achieving growth in the new era.

Many of NCB’s specialized financial solutions have been highly appreciated and trusted by the business community, such as: financing solutions for distributors in the fast-moving consumer goods (FMCG) sector with unsecured loans of up to VND 10 billion; credit solutions for contractors executing government/ODA-funded projects with guarantee deposits starting from only 0%, helping contractors ensure timely completion; flexible financing for enterprises in industrial parks with collateral accepted as property rights arising from land lease/re-lease contracts, with financing of up to 75%; and more. The bank also provides advanced digital banking products that support enterprises in accelerating financial management digitalization, notably the NCB iziBankbiz digital banking platform with two convenient versions: Internet Banking via web browser and Mobile Banking via the NCB iziMobiz application, as well as payroll account services.

Looking ahead, NCB affirms that it will continue to develop highly practical financial solutions tailored to the operational needs and growth strategies of each customer group. At the same time, the bank will strengthen digitalization of products and services to enhance user experience, optimize operational efficiency, and deliver tangible value to the Vietnamese business community.

* For more information, program details, and other attractive offers, customers can visit the NCB website at https://www.ncb-bank.vn/, contact NCB transaction offices/branches nationwide, or call Hotline (028) 38 216 216 – 1800 6166.