Latest BIDV home loan interest rates April 2025

Index

BIDV bank loan interest rates with the latest average interest rate in April 2025
Latest BIDV home loan interest rates April 2025
Other forms of BIDV bank loan interest rates
BIDV bank loan interest rate for short-term business - From 4.5%/year
BIDV bank loan interest rate for medium-term business - From 5.5%/year
How to calculate BIDV bank loan interest rate to buy a house easily and accurately
How to calculate BIDV bank loan interest based on principal balance
How to calculate BIDV bank loan interest rate based on decreasing balance

BIDV bank loan interest rates with the latest average interest rate in April 2025

BIDV Bank offers many loan packages with preferential interest rates, flexibly meeting the diverse financial needs of customers. Currently, BIDV's outstanding loan products include home loans, car loans, study abroad loans, consumer loans without collateral, along with business loans, mortgage loans and consumer loans secured by assets.

Depending on each term and type of loan, the latest BIDV home loan interest rate in April 2025 will be applied differently, ensuring suitability for each customer.

Category	Interest rate
Average loan interest rate	5.53%/year
Interest rate difference (average lending – average capital mobilization)	2.56%/year
Interest rate difference after deducting costs related to capital mobilization and capital use activities	1.48%/year

Latest BIDV home loan interest rates April 2025

Content	Detail
Time of application	From 26/03/2025 to 31/12/2025
Applicable objects	Individual customers under 35 years old who want to buy or rent a house nationwide
Preferential interest rate	Fixed 5.5%/year for the first 3 years. After that: 24-month term deposit interest rate + 3%
Loan period	Up to 40 years
Grace policy	Principal payment exemption for the first 5 years for loans up to 5 billion VND/customer
Loan limit	- Maximum 70% of the value of the house you intend to buy - Maximum 50% of value for hire purchase loan needs
Collateral	Flexible, including: - Valuable papers - Deposit balance - House intended to buy/rent-purchase - Other real estate owned
Apply for a loan	Online via BIDV Home app or at BIDV branches nationwide

BIDV Bank has launched a home loan program for customers under 35 years old with the latest extremely attractive BIDV home loan interest rate in April 2025: Fixed at 5.5%/year for the first 3 years, then calculated according to the 24-month mobilization interest rate + 3%.

Loan term up to 40 years, principal exemption for the first 5 years (maximum 5 billion VND), loan limit reaches 70% of the purchased house value or 50% when renting. Easy registration via BIDV Home or BIDV branch, applicable from March 26, 2025 to December 31, 2025.

Note: Actual interest rates may vary depending on the region, customer base and specific conditions. Customers are free to choose the period of preferential interest rates according to the mentioned policy. After the preferential period, the interest rate will be adjusted according to BIDV's regulations at each time.

Other forms of BIDV bank loan interest rates

BIDV bank loan interest rate for short-term business - From 4.5%/year

To support capital for business activities such as importing goods, purchasing raw materials, paying operating costs, upgrading technology, investing in equipment or expanding scale, BIDV introduces a special incentive program with short-term loan interest rates from only 4.5%/year. The program is applied to loans successfully disbursed from now until May 31, 2025. Specific information is presented below:

Loan term	Minimum interest rate
Under 3 months	4.5%/year
From 3 months to under 06 months	5.0%/year
From 6 months to under 9 months	5.5%/year
From 9 months to 12 months	6.0%/year

BIDV bank loan interest rate for medium-term business - From 5.5%/year

The bank has a special preferential loan program for individual customers for purposes such as buying a house, buying a car, or investing in production and business (including accommodation and restaurant services), applying an attractive interest rate of only 5.5%/year.

Flexible loan term up to 30 years, with support limit up to 100% of the loan plan value. This special program will last from now until June 30, 2025. Details are presented below:

Fixed preferential interest rate period	Minimum loan interest rates in Hanoi and Ho Chi Minh City	Minimum lending rates in remaining locations	Minimum loan term
First 6 months from the date of first disbursement	5.5%/year	5.5%/year	36 months
First 12 months from the date of first disbursement	6.0%/year	6.3%/year	36 months
First 18 months from the date of first disbursement	6.3%/year	6.6%/year	60 months
First 24 months from the date of first disbursement	6.5%/year	6.8%/year	60 months

How to calculate BIDV bank loan interest rate to buy a house easily and accurately

How to calculate BIDV bank loan interest based on principal balance

The method of calculating interest on a loan based on a decreasing balance brings great benefits to customers as the interest amount decreases month by month based on the remaining balance. The simple calculation formula is as follows:

First month's interest = Principal loan amount × Loan interest rate.

Interest for the following months = Remaining principal × Loan interest rate.

Monthly payment = (Loan amount / Total number of months borrowed) + Monthly interest.

For example: You borrow 300 million VND, 12-month term, 8%/year interest rate. Below is a detailed illustration through the table:

Month	Remaining principal balance	Principal payment/month	Interest/month	Total payment/month
January	300,000,000 VND	25,000,000 VND	2,000,000 VND	27,000,000 VND
February	275,000,000 VND	25,000,000 VND	1,833,333 VND	26,833,333 VND
March	250,000,000 VND	25,000,000 VND	1,666,667 VND	26,666,667 VND

Explain:

Monthly principal payment = 300 million / 12 = 25,000,000 VND.

Interest for January = (300 million × 8%) / 12 = 2,000,000 VND.

February interest = (275 million × 8%) / 12 = 1,833,333 VND.

Interest for March = (250 million × 8%) / 12 = 1,666,667 VND.

How to calculate BIDV bank loan interest rate based on decreasing balance

The method of calculating interest based on the decreasing balance helps customers save more as the interest decreases according to the remaining balance each month. Specific calculation formula:

First month's interest = Principal loan amount × Loan interest rate.

Interest for the following months = Remaining principal × Loan interest rate.

Monthly payment = (Loan amount / Total number of months borrowed) + Monthly interest.

For example: You borrow 300 million VND, 12-month term, 8%/year interest rate. Below is a detailed illustration through the table:

Month	Remaining principal balance	Principal payment/month	Interest/month	Total payment/month
January	300,000,000 VND	25,000,000 VND	2,000,000 VND	27,000,000 VND
February	275,000,000 VND	25,000,000 VND	1,833,333 VND	26,833,333 VND
March	250,000,000 VND	25,000,000 VND	1,666,667 VND	26,666,667 VND