- Latest average Agribank loan interest rate in April 2025
- Latest Agribank home loan interest rates April 2025
- Agribank home loan interest rates April 2025 for people under 35 years old
- Agribank home loan interest rates April 2025 for people over 35 years old
- Other forms of Agribank loan interest rates
- How to calculate bank loan interest rates to buy a house easily and accurately
- How to calculate Agribank loan interest rate based on initial outstanding balance
- How to calculate Agribank loan interest rate based on decreasing balance
Agribank, with a network of more than 2,300 branches across Vietnam, offers convenient financial solutions, especially in rural areas. Below is the latest information on bank loan interest rates and Agribank home loan interest rates in April 2025, extracted from the official website. From April 2, 2025 to December 31, 2025, Agribank will launch a VND 10,000 billion loan package for people under 35 years old, allowing mortgages for purchased houses, flexible repayments with a low initial rate, increasing gradually according to income.
Latest average Agribank loan interest rate in April 2025
In February 2025, the Vietnam Bank for Agriculture and Rural Development (Agribank) officially announced information related to lending interest rates on its official website. Accordingly, the average lending interest rate applied this month is 6.70% per year.
In addition, the gap between Agribank's average lending interest rate and average deposit interest rate was recorded at 1.27% per year. This information reflects the bank's stable and transparent interest rate policy in recent times.
| CONTENT | LOAN INTEREST RATE |
|---|---|
| A. LOAN INTEREST RATE | |
| I. Short-term loans (priority sectors and fields) | 4.0%/year |
| II. Normal loan interest rates | |
| 1. Short-term loans | 4.8%/year (minimum) |
| 2. Medium and long term loans | 6.0%/year (minimum) |
| III. Credit card loans | 13.0%/year |
| B. AVERAGE INTEREST RATE | |
| I. Average loan interest rate(*) | 6.70%/year |
| II. Average cost of capital(**) | 5.43%/year |
| 1. Average interest rate | 3.75%/year |
| 2. Other expenses (Reserves, payments, insurance, operations) | 1.68%/year |
| III. Difference | 1.27%/year |
Latest Agribank home loan interest rates April 2025
Agribank home loan interest rates April 2025 for people under 35 years old
From April 2, 2025 to the end of 2025, Agribank will introduce a special financial support program for young people under 35 years old, including civil servants, public employees and workers, with a total capital of up to VND 10,000 billion, focusing on home ownership.
The highlight of this program, especially with Agribank's home loan interest rate in April 2025, lies in the flexible repayment method: Borrowers only need to pay a small amount in the initial stage, then the amount will be gradually adjusted to suit their financial capacity, making debt repayment easier at the beginning. Moreover, customers can take advantage of their dream home as collateral to easily borrow capital.
| CONTENT | INFORMATION |
| Implementation time | From 02/04/2025 to 31/12/2025 |
| Object | Civil servants, public employees, workers under 35 years old |
| Program size | 10,000 billion VND |
| Collateral | The house intended for purchase or other collateral |
| Principal repayment mechanism | Flexible: low initial payment, increasing based on income |
| Preferential interest rate | Fixed 5.5%/year for the first 3 years |
| Loan limit | - 75% of capital needs (mortgage by assets formed from loan capital) |
| - 100% of capital needs (with other collateral) | |
| Loan term | Up to 40 years |
| Original grace period | Principal repayment waiver up to 60 months |
| Loan terms | Comply with current regulations of Agribank and the program |
| Additional benefits | - Free account management for the first year |
| - Free card issuance (debit card, credit card) | |
| - Free annual card fee for the first year | |
| - Free collection and bill payment on Agribank Plus |
Agribank home loan interest rates April 2025 for people over 35 years old
Agribank currently offers an attractive financial support package for those who need medium and long-term capital to meet essential needs in life or invest in real estate.
In particular, with Agribank's home loan interest rate in April 2025, this program is designed to bring optimal benefits to customers, promising competitive interest rates and suitable for home ownership plans during this period.
| PROMOTION TIME | INTEREST RATE |
|---|---|
| First 6 months | 5.5%/year (fixed) |
| First 12 months | 6.2%/year (fixed) |
| First 24 months | 6.5%/year (fixed) |
| After the promotion period | 7.5%/year (floating) |
Other forms of Agribank loan interest rates
| CONTENT | INFORMATION |
|---|---|
| Applicable objects | Individual and corporate customers with loans at other credit institutions who want to transfer to Agribank |
| Loan purpose | Early repayment of loans at other credit institutions |
| Preferential loan interest rate | |
| - Short term | From 2.4%/year (conditions: use diverse services, maintain USD deposits) |
| - Medium and long term | From 6.0%/year, fixed for up to 24 months |
| Loan term | Flexible, suitable for specific loan needs |
| Promotion period | From now until December 31, 2025 |
Note: Loan interest rates may change from time to time.
How to calculate bank loan interest rates to buy a house easily and accurately
How to calculate Agribank loan interest rate based on initial outstanding balance
This calculation is based on the actual amount owed, after subtracting the principal paid in previous months. Thus, the monthly interest payment will gradually decrease as the debt balance decreases.
Monthly Principal = Loan Amount/Loan Term
First month interest = Loan amount x Monthly interest rate/Loan term
Interest for the following months = Remaining principal x Monthly interest rate/Loan term
For example: The bank loan amount is 300 million VND for 12 months, interest rate 7.0%/year. The interest and principal amount to be paid each month are as follows:
Monthly principal payment = 300,000,000 / 12 = 25,000,000 VND
First month's interest = (300,000,000 x 7%) / 12 = 1,750,000 VND
2nd month interest = (300,000,000 – 25,000,000) x 7% / 12 = 1,604,167 VND
Interest for the 3rd month = (300,000,000 – 25,000,000 – 25,000,000) x 7% / 12 = 1,458,333 VND
The following months are calculated similarly to the above bank loan interest calculation until the debt is paid off.
How to calculate Agribank loan interest rate based on decreasing balance
According to this calculation, the interest each month during the loan period will be equal and calculated based on the initial principal amount. The calculation formula is as follows:
Interest = Principal balance x Loan interest rate/Loan term
For example: Also with a loan of 300 million VND for 12 months, interest rate 7.0%/year. The amount of interest and principal to be paid each month if calculated based on the initial outstanding balance is as follows:
The principal amount to be paid monthly is: 300,000,000 / 12 = 25,000,000 VND
Monthly interest payable: (300,000,000 x 7.0%) / 12 = 1,750,000 VND
Fixed monthly payment during the loan period is: 25,000,000 + 1,750,000 = 26,750,000 VND
Source: https://baoquangnam.vn/lai-suat-vay-mua-nha-agribank-thang-4-2025-moi-nhat-3152461.html
![[Photo] Top players gather at the 2025 Nhan Dan Newspaper National Table Tennis Championship](https://vphoto.vietnam.vn/thumb/1200x675/vietnam/resource/IMAGE/2025/5/23/9ad5f6f4faf146b08335e5c446edb107)
![[Photo] Anh Hoang - Dinh Duc successfully defended the men's doubles championship of the National Table Tennis Championship of Nhan Dan Newspaper](https://vphoto.vietnam.vn/thumb/1200x675/vietnam/resource/IMAGE/2025/5/23/d6ab3bcac02c49928b38c729d795cac6)
Comment (0)