Home loan interest rates at Agribank in August 2025: Only from 5.5%/year for individual customers
In August 2025, Agribank's preferential home loan interest rate is only from 5.5%/year, loan limit up to 100% of capital demand, maximum term of 40 years.
Agribank loan interest rate (Home loan package for young people under 35 years old)
In August 2025, the Vietnam Bank for Agriculture and Rural Development (Agribank) is applying many attractive preferential loan policies to meet the diverse needs of customers. Notably, the Agribank home loan program is exclusively for young people under 35 years old, implemented with a total limit of VND 10,000 billion and lasting until December 31, 2025.
With this loan package, customers can use the house they intend to buy as collateral, and at the same time enjoy a flexible principal repayment mechanism. Specifically, in the first years, borrowers only need to pay a small amount and gradually adjust it according to their income level, thereby reducing initial financial pressure.
Fixed interest rate of 5.5%/year for the first 3 years, competitive in the current market. Loan limit reaches 75% of capital demand if mortgaged by assets formed from loan capital, or can be up to 100% when using other collateral assets. Maximum loan term is 40 years, with preferential principal grace period of up to 60 months.
Borrowers must meet the loan criteria according to Agribank's current regulations and incentive programs. In addition, customers are also exempted from account management fees for the first year, from issuance fees and first-year annual fees for debit and credit cards, and from bill payment services via the Agribank Plus application.
Agribank social housing loan interest rate (For customers under 35 years old)
The Vietnam Bank for Agriculture and Rural Development (Agribank) is implementing a social housing loan program with preferential interest rates for individual customers under 35 years old. The program is worth up to VND 10,000 billion, applicable from May 30, 2025 and lasting until December 31, 2030 or until the disbursement limit is fully met.
Participants are those who need to borrow capital to buy social housing in projects that have been legally announced by the Ministry of Construction or the People's Committee of the province or city. Each customer, or spouse, can only borrow once to own an apartment in the approved project list.
Regarding interest rates, in the first 5 years, the applicable rate is 2% lower than the average medium- and long-term lending rate in VND of four state-owned commercial banks including Agribank, BIDV, Vietcombank and VietinBank. In the next 10 years, the preferential interest rate continues to be 1% lower than the average medium- and long-term rate of these banks. Specifically, from July 1, 2025 to December 31, 2025, the interest rate is fixed at 5.9%/year; after this period, the State Bank will adjust and announce periodically every 6 months.
Flexible loan terms, can choose short-term, medium-term or long-term, up to 15 years from the date of disbursement. Disbursement method is in the form of one-time loans, meeting the actual needs of buyers.
Conditions to enjoy the policy include meeting the loan standards according to Agribank's regulations and belonging to the group of subjects entitled to social housing support policies according to the law. This is an opportunity for young people to realize their dream of settling down with the most competitive Agribank social housing loan interest rate on the market today.
Agribank home loan interest rates 2025: Popular package with attractive interest rates
From July 20, 2025 to December 31, 2025, the Vietnam Bank for Agriculture and Rural Development (Agribank) will implement a preferential credit package worth VND 10,000 billion, serving individual customers with medium and long-term loans for the needs of buying houses, receiving land transfers, building new, repairing or completing houses. This is one of the Agribank home loan programs that is assessed to have competitive interest rates in the current market.
The program applies many preferential rates depending on the loan term. Specifically, the interest rate is fixed at 5.5%/year for the first 6 months for loans of 18 months or more; 6.2%/year for the first 12 months for loans of 36 months or more; and 6.5%/year for the first 24 months for loans of 60 months or more. This design helps borrowers proactively choose a term that suits their financial capacity and repayment plan.
Participants are individual customers who want to buy houses, receive transfer of land use rights or ownership of assets attached to land, as well as build, repair, renovate and complete houses. The disbursement method is applied in the form of one-time loans, ensuring timely payment progress.
To be approved for a loan, customers must fully meet the lending criteria according to current regulations of Agribank and the specific conditions of the program. With an implementation period until the end of 2025, this low-interest Agribank home loan package is considered a good opportunity for those looking for a long-term financial solution to settle down or invest in real estate.
