Home loan interest rates at BIDV bank October 2025
BIDV announced home loan interest rates for October 2025 with a preferential rate of 5.5%/year for young customers under 35 years old and a popular loan package from 6.0%/year.
BIDV home loan interest rates 2025 (for young people under 35 years old)
Responding to the Government and State Bank's orientation on supporting young people to settle down, BIDV has launched a preferential credit package for individual customers under 35 years old who want to borrow to buy or lease a house nationwide. The highlight of the program is the fixed interest rate of only 5.5%/year applied in the first 3 years, helping borrowers proactively plan their finances.
Loan package details are as follows:
Interest rate:5.5%/year fixed for 36 months from the date of disbursement. After this period, the interest rate will be adjusted according to the formula: 24-month mobilization interest rate at BIDV counter + margin of 3.0%. Currently, the 24-month mobilization interest rate at BIDV is at 4.8%/year.
Prepayment Fee:
- In the first 12 months: minimum 1% of the amount of prepayment
- From the 2nd year to the end of the 5th year: minimum 0.5% of the amount of early repayment
- From the 6th year: completely free
Loan period: flexible up to 40 years but not exceeding the prescribed retirement age.
Principal grace period:Customers are exempt from paying principal for the first 5 years, suitable for young people with gradually stable income.
Loan limit:up to 70% of the value of the house intended for purchase or 50% of the property value in case of hire purchase loan.
Collateral:Accept a variety of assets, from savings books, valuable papers, houses purchased with loans to other real estate already owned.
Loan conditions:Each customer can only borrow a maximum of 1 credit in the package, the outstanding balance applicable to the incentive must not exceed 5 billion VND. The borrower must have a good credit history, be of legal age to borrow capital, have the property in his/her name and not have any home loan at BIDV at the time of application.
Loan registration:Customers can do it online via BIDV Home application or come directly to BIDV branches nationwide for consultation.
Implementation time:from March 26, 2025 to December 31, 2025.
Bidv installment home loan interest rate 2025 (not including conditions for customers under 35 years old)
In addition to the support program for young people under 35 years old, BIDV is still implementing a popular home loan package for all customers aged 18 and over, provided that they fully meet the bank's credit regulations. This is a suitable choice for those who want to own or invest in real estate in 2025.
Regarding interest rates, customers can choose between two options. The first option applies 6.0%/year for 12 months from disbursement, requiring a minimum loan term of 36 months. The second option has an interest rate of 6.5%/year for the first 24 months, with a minimum loan term of 60 months.
After the preferential period, the loan will switch to a floating interest rate, calculated according to the formula: 24-month personal savings deposit interest rate at BIDV plus a margin of 4.0%. This calculation helps customers easily monitor and predict interest costs according to market fluctuations.
