Located at the southern gateway of Ho Chi Minh City, T&T City Millennia is presented not only as a property development but also as a lifestyle hub, combining connectivity with access to green spaces. Its location in Can Giuoc, Tay Ninh (formerly Long An) offers convenient access to the city center and surrounding areas. Ongoing major infrastructure projects such as the Ben Luc – Long Thanh Expressway and Ho Chi Minh City’s Ring Road 3 are expected to strengthen the area’s appeal and create further opportunities for investors.

Designed as a “miniature city,” T&T City Millennia allocates nearly 20% of its land to green and water areas, with 7 kilometers of river frontage. Developed by T&T Group in cooperation with international partners such as Anabuki (Japan) and Belt Collins (US), the project offers ready-built properties suitable for immediate living or business use. The developer positions it as both a long-term home for residents and a potential investment option in a rapidly developing area.

Financial packages to support homeownership

To help buyers secure a home at the project, SHB has introduced a VND1,800 billion ($69.23 million) credit package with interest rates starting from 6.69% per year. The package is available to customers purchasing properties at T&T Millennia City as well as other projects under T&T Group.

Borrowers may access loans of up to 90% of the property’s value (capped at 80% of the collateral’s value), with fixed-rate terms ranging from 12 to 60 months.

The loan tenor can extend to 35 years, with up to 36 months’ grace on principal repayment. Repayment schedules are designed to be flexible, allowing monthly, quarterly, or semiannual payments. Customers can also choose from different types of collateral, including the purchased home, existing real estate, vehicles, or savings deposits.

Additional benefits include a complimentary credit card or overdraft facility with a limit of up to VND200 million ($7,692), intended to cover home-related expenses such as furniture and household goods.

An SHB representative said the bank has streamlined its lending process for T&T projects, shortening the time required for appraisal, approval, and disbursement.

“We understand that buying a home is one of life’s biggest decisions, often accompanied by financial pressure. That’s why this loan package is designed to be a reliable companion for customers. With preferential interest rates and flexible repayment methods, families can ease their financial burden, so each monthly payment not only covers the loan but also builds a future home,” the SHB representative said.

SHB also highlights the role of its advisory teams in assisting customers throughout the loan process, aiming to provide timely support and quick access to capital.

With nearly 32 years of operation, SHB emphasizes that it has developed a broad range of financial solutions in line with customer needs and government policy directions, and continues to adjust products to market demands.

Earlier this year, SHB launched a VND16,000 billion ($615.38 million) preferential mortgage program following government directives. The package, aimed at customers under 35, seeks to help younger homebuyers access housing.

By mid-2025, the bank had disbursed more than VND9,000 billion ($346.15 million), with over 2,000 applications approved. Outstanding loans to younger borrowers in the first half of 2025 doubled compared to the same period last year, suggesting strong housing demand among younger generations and aligning with SHB’s strategy to expand preferential lending.

Looking ahead, SHB is pursuing a broader transformation strategy, with ambitions to strengthen its position in digital banking, retail services, and green finance while maintaining a role as a leading source of capital for both private and state-owned enterprises.