Banks are offering various loan packages with attractive interest rates ranging from 3.6% to 6.5% per annum, catering to diverse customer segments.
TPBank has launched a home loan package for young individuals under 35, featuring a fixed rate of 3.6% for the first three months. Additionally, borrowers can enjoy a grace period of up to 60 months on principal repayment.
Eximbank introduces a home loan with a preferential rate starting at 3.68% for the initial 36 months, targeting customers aged 22 to 35. The maximum loan tenure extends to 40 years, alleviating periodic debt repayment burdens. Moreover, the principal grace period can reach up to 7 years.
LPBank offers a loan package with a total value of 5,000 billion VND, starting at 3.88% per annum for the first three months. Borrowers can access up to 100% of their capital needs, with a maximum loan term of 35 years and a 24-month principal grace period.
Techcombank provides loans starting at 3.99% per annum, covering up to 80% of the collateral asset value. Repayment terms can extend up to 45 years, with a principal repayment holiday of up to 10 years.
PVcomBank has launched a preferential credit package of 10,500 billion VND, with rates starting at 3.99% per annum, available until January 2026.
Which bank offers the most attractive home loan interest rates?
HDBank offers a credit package of 30,000 billion VND, with loan terms up to 50 years. The initial interest rate is 4.5% per annum for the first three months, with a maximum loan amount of 50 billion VND. Borrowers can access up to 90% of the collateral value and enjoy a principal grace period of up to 5 years.
Additionally, HDBank provides long-term home loan interest rate options for 2025: 3.5% for the first 3 or 6 months, 6.5% for the first 12 months, and 7.5% for the first 24 months.
MSB caters to young homebuyers with a fixed rate of 4.5% per annum for the first 6 months. Loan terms can extend up to 35 years, with flexible principal repayment options tailored to the borrower’s financial capacity.
SHB offers a 16,000 billion VND loan package for home purchases, starting at 3.99% per annum. Borrowers can access up to 90% of the property value, with no limit on the loan amount.
ABBank targets young adults aged 19 to 40 with a home loan package starting at 5% per annum. Borrowers can access up to 100% of their capital needs, with flexible terms up to 35 years.
Among the Big 4 banks, Agribank offers young borrowers fixed rates of 5.5% for the first 6 months, 6.2% for the first 12 months, and 6.5% for the first 24 months. Post-promotion, rates float around 7.5% per annum.
BIDV provides a fixed rate of 5.5% per annum for the first 3 years, with loan terms up to 40 years. Borrowers can defer principal payments for up to 5 years on loans up to 5 billion VND.
VietinBank offers young customers aged 20 to 35 a preferential rate starting at 5.6% per annum.
Vietcombank has introduced a special credit product to help young individuals achieve homeownership, with rates starting at 5.2% per annum.
For foreign banks, UOB offers rates of 5.5% for the first 3 months, 6.22% for the next 9 months, or fixed rates of 6.24% for 1 year and 6.34% for 2 years.
HSBC provides rates ranging from 5.5% to 8.99% per annum for loan terms between 6 and 60 months: 5.5% for 6 months, 6.5% for 12 months, 6.99% for 24 months, 7.99% for 36 months, 8.49% for 48 months, and 8.99% for 60 months.
Shinhan Bank offers three options: 4.5% fixed for 6 months, 6.45% fixed for 12 months, or 6.6% fixed for 24 months.
To attract customers, banks are offering highly competitive home loan rates, often for limited periods. After the promotional period, borrowers will transition to floating market rates. Some banks require additional commitments, such as savings accounts or credit cards, for better rates.
Experts advise borrowers to carefully assess their cash flow and repayment capacity, especially after promotional periods end. It’s recommended to allocate no more than 30-40% of monthly income to housing expenses to maintain financial stability.
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