Entering September 2024, interest rates for home loans, land and real estate at many commercial banks showed signs of increasing again.
The most preferential loan package is the TPBank loan package with a fixed interest rate of 0%/year for the first 3 months; 6.6%/year fixed for the first 12 months; 7.6%/year fixed for the first 24 months; 8.6%/year fixed for the first 36 months. The current floating interest rate is around 11.2%/year.
Next is VPBank with interest rates of 4.6%/year fixed for 3 months; 5.9%/year fixed for 6 months; 7.2%/year fixed for 12 months; 9.8%/year fixed for 18 months; or 10.3%/year fixed for 24 months. Applicable to loans of at least 48 months. The interest rate margin after the promotion is 3.5%.
Next is ABBank, home loans with interest rates from 7.3%/year, business loans with interest rates from 4.99%/year; loans to repay loans from other banks with interest rates from 6.5%/year. Applicable period until December 31, 2024 or until the program limit expires.
With Sacombank , the fixed interest rate is 6.5%/year for the first 6 months, 7%/year for the first 12 months, or 7.5%/year for the first 24 months, applied from now until December 31, 2024.
BVBank is also implementing interest rates for real estate loans, business loans, consumer loans, and car loans of 6.99%/year (first 6 months), 7.49%/year (first 9 months), 7.99%/year (first 12 months), 8.49%/year (first 18 months), 8.99%/year (first 24 months).
The post-promotion margin ranges from 1.9-3.9%/year depending on the loan term. The prepayment penalty for year 1 and 2 is 2.5%/year; year 3 is 2%/year; year 4 is 1.5%/year; from year 5 is 1%/year. BVBank's floating interest rate currently ranges from 10-11%/year.
In the group of state-owned banks (Agribank, Vietcombank, Vietinbank and BIDV), the interest rate applied for home loans ranges from 5.2-8.5%/year.
In particular, the most attractive interest rate is BIDV when in Hanoi and Ho Chi Minh City, the home loan interest rate is 5.2%/year fixed for the first 6 months, 5.5%/year fixed for the first 12 months (applied for a minimum loan of 36 months); or 6%/year for the first 18 or 24 months (minimum loan period of 60 months).
In other localities, 6%/year for the first 12 months or 24 months (applicable for loans of at least 36 months); 6.5%/year for the first 18 months or 24 months (applicable for loans of at least 60 months).
At Vietcombank, the interest rate packages for home loans are 5.7%/year fixed for the first 12 months; 6.5%/year fixed for the first 2 years; 8.5%/year fixed for the first 3 years. After the preferential period, Vietcombank's 12-month interest rate is increased by 3.5%, currently around 9%/year.
Loans for home construction and repair at Vietinbank with fixed interest rate packages of 6.0%/year for the first 12 months; fixed 6.2%/year for 18 months; fixed 6.7%/year for the first 24 months or fixed 8.2%/year for the first 36 months.
At Agribank, the medium and long-term loan interest rate applied to production and business loans, loans for living needs and real estate business is 6%/year fixed for the first 6 months; 6.5%/year fixed for the first 12 months (applied to loans with a minimum term of 3 years); or 7%/year fixed for the first 24 months (applied to loans with a minimum term of 5 years).
Source: https://baolangson.vn/lai-suat-cho-vay-mua-nha-ngan-hang-nao-uu-dai-nhat-thang-9-2024-5020869.html
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