Home loan interest rates from banks in March 2025

The latest preferential home loan packages.

Prime Minister Pham Minh Chinh has directed banks to implement preferential credit packages to develop social housing, housing for young people under 35, and other disadvantaged groups. Responding to this policy, many banks have quickly launched home loan programs with attractive interest rates.

Asia Commercial Bank (ACB) is a pioneer in offering the "First Home" loan package for people under 35 years old. Interest rates start from...5.5% per yearand is fixed for 5 years. The maximum loan term is up to 30 years, allowing borrowers flexibility to repay with small amounts in the early years and gradually increase them as their income increases.

According to an ACB representative, this loan package makes it easier for young people to access home loans with reasonable interest rates. The long loan term, flexible repayment methods, and fixed interest rate for 60 months, which is 3% lower than the published rate, provide peace of mind for customers.

Following ACB, Saigon - Hanoi Commercial Joint Stock Bank (SHB) also joined with a credit package of 16,000 billion VND. This loan package has interest rates starting from...3.99%/yearWith a maximum loan term of 35 years and a principal repayment grace period of up to 5 years, customers can borrow up to 90% of the property value and benefit from a flexible repayment schedule, helping to reduce financial pressure.

Ho Chi Minh City Development Commercial Bank (HDBank) is launching a 30,000 billion VND loan package to support young people in owning homes. The loan term is up to 50 years, with a maximum 5-year grace period for principal repayment, a loan limit of up to 50 billion VND, and interest rates starting from...4.5% per yearThis loan package helps borrowers proactively manage their finances and provides them with additional resources for other needs.

Vietnam Prosperity Commercial Bank (VPBank) is also participating by launching a preferential loan package with interest rates starting from...5.2%/yearExclusively for customers under 35 years old. Customers can borrow up to 80% of the home value with repayment terms of up to 25 years.

Vietnam Export Import Commercial Bank (Eximbank) continues to participate with the "Secure Home - Secure Future" loan package. This loan package is for customers aged 22 to under 35, with interest rates starting from...3.68%/yearand is fixed for 36 months, making it easier for young people to own a home.

Bank loan interest rates in March 2025

Current bank loan interest rates range from 5.99% to 24% per year, depending on the loan type (unsecured or secured), preferential policies, and individual banks. These interest rates remain under the management of the State Bank of Vietnam regarding policies related to savings interest rates, loan interest rates, and lending.

In Vietnam, some prominent banks include Vietcombank, Vietinbank, Techcombank, BVBank, ACB, TPBank, HDBank, Sacombank, VIB, OCB… Among private banks, Agribank, SHB, and HDBank have the lowest unsecured loan interest rates, while MSB and OCB offer the lowest secured loan interest rates.

Regarding interest rates at 100% foreign-owned banks, according to the latest statistics, Woori has the lowest unsecured loan interest rate among foreign banks. For secured loans, the banks with the lowest interest rates include Standard Chartered, Hong Leong, and HSBC.