Tet 2026: Embracing the Lunar New Year with Greater Confidence and Aspirations

Consumers Ready to “Shop for Tet”

As Tet 2026 approaches, Vietnamese consumers’ financial mindset reveals a notable shift toward proactive and planned spending. However, there remain gaps in realizing long-term family expenditure needs.

According to a 2025 annual survey by Home Credit in collaboration with market research firm InsightAsia, involving over 700 consumers nationwide, 52% of respondents feel more confident about their ability to afford Tet 2026 compared to Tet 2025. This reflects significant improvement in budget planning, especially amid increasing year-end spending pressures.

Yet, proactive planning doesn’t equate to ample financial flexibility. Tet expenses aren’t just numbers—they’re emotional burdens translated into costs: 75% for gifts to parents and essential food; 73% for Tet shopping and house cleaning; and notably, 40% for long-term investments like a new car or larger fridge, transcending mere “Tet celebrations” to become lasting gifts for the family.

Consumers flock to electronics stores for Tet shopping

60% of survey participants wish to contribute more but can’t. Mr. Nguyen Van H. (38, Hanoi) shares: “After calculations, my 13th-month salary only covers the basics. Buying my dad a new speaker system or the oven my wife wants remains a challenge.” The hurdle isn’t poor planning but limited cash flow during a high-demand period.

A bright spot in Tet 2026’s financial landscape is the shift in solution-seeking. Three in five consumers admit needing financial support for Tet, highlighting persistent cash flow pressures even among those with spending plans. Notably, 94% embrace preferential financial solutions like 0% interest rates, not as stopgaps but as standardized budget management tools in their Tet spending strategies.

This marks a significant change in financial behavior. It’s not passive borrowing but a strategic cash flow management approach. Consumers are learning to transform “one-time payments” into comfortable “multi-installment plans,” prioritizing long-term value (34% in asset investment) and meaningful gifts (26% for family presents).

Financial Solutions Become Integral to Tet

As consumers grow more proactive yet face year-end cash flow pressures, consumer finance companies are adapting with flexible, needs-based approaches. Instead of focusing on single products, the trend is building ecosystems that help allocate spending—from short-term essentials to long-term family investments during Tet.

Home Credit offers 0% interest rates for stress-free Tet shopping

Home Credit tailors solutions to Tet’s most common needs. For short-term cash needs, online loans of 20–50 million VND include an 800,000 VND discount on the first installment, easing initial payment burdens. This resonates with consumers facing concentrated Tet expenses.

For shopping, Home Credit partners with major retailers like The Gioi Di Dong, Dien May Xanh, FPT Shop, and Viettel Store. Essential Tet items like TVs, refrigerators, washing machines, and dryers come with 0% interest rates and flexible 4–24 month terms, helping spread costs without straining budgets.

Motorcycles, in high demand pre-Tet, feature expanded installment plans. Buyers of Honda, Yamaha, Piaggio, or VinFast electric bikes can access 0% down payment options with terms up to 36 months, making upgrades financially feasible.

Credit card offerings are also personalized. The “Flexible Cashback” feature lets cardholders choose from five cashback options based on spending needs, alongside travel discounts with partners like Traveloka and Vexere. This reflects a shift toward credit cards as proactive spending management tools.

Diverse financial support options from Home Credit for consumers

Emotionally, Home Credit’s “Building a Priceless Family Tet” campaign continues from last year, emphasizing individual contributions to a complete Tet. The survey shows 66% feel stronger family bonds and 62% greater connection to this message, highlighting the synergy between financial solutions and Tet’s core values.

This message is echoed in Home Credit’s 2026 Tet film, released on January 2, 2026. Instead of idealization, it portrays everyday Tet preparations and genuine family efforts to “Build a Priceless Family Tet.” Home Credit positions itself as an empathetic partner, offering tailored financial solutions to ease burdens during this peak-pressure period.