Bank home loan interest rates March 2025
The latest home loan interest rates in March 2025 help borrowers choose a loan product that suits their needs, and have a debt repayment plan that ensures it does not affect their financial life.
Latest preferential home loan packages
Prime Minister Pham Minh Chinh has directed banks to deploy preferential credit packages to develop social housing, housing for young people under 35 years old and those in difficult circumstances. Responding to this policy, many banks have quickly launched home loan programs with attractive interest rates.
Asia Commercial Joint Stock Bank (ACB) is a pioneer with the "First Home" loan package for people under 35 years old. Interest rates from only5.5%/yearand is fixed for 5 years. The maximum loan term is up to 30 years, allowing borrowers the flexibility to repay the loan with small amounts in the first years and gradually increase according to income.
ACB representative said that this loan package helps young people easily access home loans with reasonable interest rates. Long loan terms, flexible repayment methods and fixed interest rates for 60 months, 3% lower than the published interest rate, create peace of mind for customers.
After ACB, Saigon - Hanoi Commercial Joint Stock Bank (SHB) also joined with a credit package of 16,000 billion VND. This loan package has an interest rate of only from3.99%/year, maximum loan term of 35 years and principal exemption for up to 5 years. Customers can borrow up to 90% of the property value and have a flexible repayment schedule designed to help reduce financial pressure.
Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) has launched a VND30,000 billion loan package to support young people in owning a home. Loan term is up to 50 years, principal grace period is up to 5 years, loan limit can be up to VND50 billion, with interest rates from only4.5%/yearThis loan package helps borrowers proactively balance their finances and have more resources for other needs.
Vietnam Prosperity Joint Stock Commercial Bank (VPBank) is also not out of the game when implementing a preferential loan package with interest rates from5.2%/yearexclusively for customers under 35 years old. Customers can borrow up to 80% of the home value with a repayment period of up to 25 years.
Vietnam Export Import Commercial Joint Stock Bank (Eximbank) continues to participate with the loan package "Solid home - Secure future". This loan package is for customers from 22 to under 35 years old, interest rate from3.68%/yearand is fixed for 36 months, making it easier for young people to own a home.
Bank loan interest rates March 2025
Current bank loan interest rates range from 5.99% to 24% per year, depending on the type of loan (credit or mortgage), preferential policies and each bank. This interest rate is still under the management of the State Bank on policies related to savings interest rates, loan interest rates and loans.
| Bank | Unsecured loans (%/year) | Mortgage loan (%/year) |
| Agribank | 7.0 – 17 | 6.5 – 7.5 |
| Techcombank | 13.78 – 16 | 5.99 – 12.99 |
| BVBank | 14 – 20 | 6.9 – 8.6 |
| ACB | 12.5 – 20 | 6.9 – 12 |
| TPBank | 8.7 – 17 | 6.4 – 12.03 |
| HDBank | 13 – 24 | 6.6 – 10.6 |
| Sacombank | 9.6 – 18 | 7.49 – 12 |
| VIB | 16 – 18 | 7.8 – 11.4 |
| SHB | 8.5 – 17 | 6.99 – 10 |
| OCB | From 20.2 | 5.99 – 9.5 |
| MSB | 9.6 – 18 | 5.99 – 9.1 |
| Vietcombank | 10.8 – 14.4 | 7 – 9 |
| Vietinbank | 9.6 | 7.7 – 8.5 |
| Vietnamese version | September 14 – May 20 | 8.49 – 14.8 |
| BIDV | 11.9 | 7 – 9 |
| MB Bank | 12.5 – 20 | 6 – 9.5 |
In Vietnam, some prominent banks include Vietcombank, Vietinbank, Techcombank, BVBank, ACB, TPBank, HDBank, Sacombank, VIB, OCB... In the private banking sector, Agribank, SHB and HDBank have the lowest unsecured loan interest rates, while the lowest mortgage interest rates belong to MSB and OCB.
Regarding loan interest rates at 100% foreign-owned banks. According to the latest statistics, Woori is the bank with the lowest unsecured loan interest rate among foreign banks. For mortgage loans, the banks with the lowest interest rates include Standard Chartered, Hong Leong and HSBC.
| Bank | Unsecured loans (%/year) | Mortgage loan (%/year) |
| Hong Leong | 9 – 12 | 6.49 |
| HSBC | 15.99 | 6.49 |
| Public Bank | From 7 | 8 |
| Shinhan | 8.4 – 13.2 | 7.7 |
| Standard Chartered | 17 – 18 | 6.49 |
| UOB | 13 | 8.7 |
| Woori | From 6 | 7 |
| Citibank | 14.76 – 20.96 | 18 |
| ANZ | 13.43 | 6.5 – 8 |
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