According to a survey, home loan interest rates from banks continue to decrease and are considered to be the lowest ever.
In the Big4 group, Agribank applies a fixed interest rate of 6%/year for the first 6 months, 6.5%/year fixed for the first 12 months (minimum loan term of 3 years), 7%/year fixed for the first 24 months (minimum loan term of 5 years) for medium and long-term loans for the purpose of buying a house, living needs and real estate business.
In addition, this bank also has a preferential short-term loan interest rate program for individual customers serving production and business activities with interest rates from only 4%/year for short-term loans (from 3 months or less).
Loan interest rate from 4.5%/year for loans over 3 - 6 months; from 5%/year for loans over 6 - 12 months.
Meanwhile, the home loan interest rate at BIDV bank is as follows: The minimum home loan interest rate is 5%/year fixed for the first 6 months (36-month term) or 5.5%/year for the first 12 months (60-month term), applicable to customers in Hanoi and Ho Chi Minh City.
For customers outside these two major cities, the minimum home loan interest rate is 6%/year fixed for 24 months or 7%/year for the first 36 months.
VietinBank provides loans for home construction and repair with the following interest rates: 6.2%/year fixed for the first 18 months; 6.7%/year fixed for 24 months; or 8.2% fixed for 36 months. In addition to the fixed interest rate period, the interest rate will be added with a margin depending on the time.
At Vietcombank, interest rates range from 5.5%/year for the first 6 months for loans under 24 months, from 5.7%/year for the first 12 months for loans over 24 months, 6.5%/year fixed for the first 2 years; 8.5%/year fixed for the first 3 years. After the preferential period, the interest rate will be equal to Vietcombank's 12-month deferred deposit interest rate plus 3.5%, currently around 9%/year.
In non-state banks, some banks also have low home loan interest rates such as:
TPBank offers preferential interest rates for home purchase/renovation loans with 0% fixed for the first 3 months; 6.6% fixed for the first 12 months; 7.6% fixed for the first 24 months; 8.6% fixed for the first 36 months. After the preferential interest rate, the interest rate is "floating", currently around 11.4%.
VPBank offers a variety of interest rate options as follows: 4.6% fixed for 3 months; 5.9% fixed for 6 months; 7.2% fixed for 12 months; 9.8% fixed for 18 months; or 10.3% fixed for 24 months. Applicable to loans of at least 48 months. The interest rate margin after the promotion is 3.5%. Currently, VPBank's floating interest rate is around 11%/year.
At Eximbank, the fixed interest rate is 3.5%/year for the first 2 months; 7.5%/year for the next 22 months. The post-preferential interest rate is calculated by the base interest rate + a margin of 3%. The penalty fee for early repayment in years 1, 2, 3 is 2%, year 4 is 1%, and from the 5th year it is free. Currently, Eximbank's floating interest rate is around 10-11%/year.
The interest rate for real estate loans at PVComBank in the first 3 months is fixed at 3.99%, fixed at 5.99% in the first 6 months; 6.2% fixed at 12 months, 6.99% fixed at 18 months; loan term is 20 years, loan limit is up to 85%. After the preferential period, the floating interest rate will be calculated according to the formula (base interest rate + margin of 3.3%), around 10-11%/year.
Techcombank's home loan interest rate is fixed at 5% for 3 months, 6.3% for 6 months, 6.7% for 12 months, 7.0% for 18 months, 7.5% for 24 months. Early repayment fee: in the first year (2.5%); 2nd and 3rd years (2%); 4th and 5th years (1%). After the preferential period, the floating interest rate will be calculated with a margin of 3.5%. At that time, Techcombank's floating interest rate will fall to around 10-11%/year.
At some foreign banks such as HSBC, home loan interest rates are fluctuating from 5.5% - 8.99%/year applied for loan terms of 6 - 60 months. Of which, 5.5% applies to 6 months, 6.5% applies to 12 months, 6.99% applies to 24 months, 7.99% applies to 36 months, 8.49% applies to 48 months and 8.99% applies to 60 months.
Woori Bank's loan interest rates for home purchases have the following options: fixed at 5.3% for 1 year; fixed at 6% for 2 years; fixed at 6.4% for 3 years. After the promotion, the interest rate will be floating, calculated by the average 12-month deposit interest rate (for individuals) of state-owned banks + a margin of 4%. The early repayment fee is 3% in the first year, 2% in the second year, 1% in the third year, and free from the fourth year.
TH (according to VTC News)Source: https://baohaiduong.vn/ngan-hang-dua-nhau-giam-lai-suat-cho-vay-mua-nha-thap-ky-luc-395597.html
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