Looking for the most competitive mortgage rates in Vietnam? TPBank leads the way with an exclusive offer for young buyers under 35: a fixed rate of just 3.6% for the first three months. Plus, enjoy a grace period of up to 60 months on principal repayments.
Next up, Eximbank’s “Vững tổ ấm – Chắc tương lai” home loan package offers an attractive 3.68% annual interest rate for the first 36 months, tailored for borrowers aged 22–35. With a maximum loan term of 40 years and a principal grace period of up to 7 years, this is a deal not to be missed.
SHB Bank introduces a VND 16 trillion housing loan program with rates starting at 3.99% per annum. Borrow up to 90% of your property’s value with no cap on loan amounts, and benefit from a 5-year principal repayment holiday. Additionally, receive a complimentary credit card or overdraft facility.
PVComBank’s “Hành trình mới, sống trọn ước mơ” promotion offers rates from 3.99% per annum until January 2026, making homeownership more accessible than ever.
November’s mortgage rates remain stable, offering ample opportunities for homebuyers.
HDBank and MSB also stand out with rates below 5% per annum. HDBank’s VND 30 trillion credit package features a 4.5% introductory rate for the first three months, loans up to VND 50 billion, and a 5-year principal grace period.
MSB targets young buyers with a 4.5% fixed rate for the initial six months, flexible repayment terms, and loan tenures up to 35 years, ensuring affordability and convenience.
Other banks offer rates above 5% per annum. ABBank’s youth-focused package starts at 5% per annum, covers up to 100% of financing needs, and allows flexible terms up to 35 years.
BVBank’s competitive 5.49% rate includes flexible policies for young borrowers, with loan terms up to 25 years and financing up to 85% of collateral value.
ACB and VPBank cater to under-35s with rates from 5.5% and 5.2% per annum, respectively. VPBank’s offer includes financing up to 80% of property value and 25-year terms.
Among the Big 4 banks, rates range from 5.5% per annum. Agribank provides fixed rates of 5.5%, 6.2%, and 6.5% for the first 6, 12, and 24 months, respectively. BIDV supports buyers under 35 with a 5.5% fixed rate for three years.
VietinBank offers fixed rates between 6% and 8% per annum for borrowers over 35, depending on the program. Vietcombank’s “Nhà Mới Thành Đạt” product starts at 5.2% per annum, covering various property types to meet diverse needs.
Unlocking Homeownership: Opportunities for Young Buyers with $200-300 Million in Savings
Unlock the door to homeownership with this year-end’s exclusive sales incentives, tailored for young professionals and families starting their journey with limited initial capital. For savvy investors with modest funds, maximizing returns has never been more accessible, as minimal upfront investment paves the way for significant profit margins.
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