Which bank has the most preferential home loan interest rate in September?

In addition, banks offer many loan packages with preferential interest rates from 3.6 - 6.5%/year for many customer groups.

Bank TPBank is implementing a preferential home loan package for young people, under 35 years old, only 3.6% fixed for the first 3 months. In addition, customers also enjoy a principal grace period of up to 60 months.

Eximbank also just launched the package home loan with preferential interest rates from only 3.68%, up to the first 36 months of each year for customers aged 22 - 35. Maximum loan term up to 40 years, helping to reduce the burden of periodic debt repayment. In addition, the principal grace period is up to 7 years.

LPBank deploying a loan package with a scale of 5,000 billion VND, starting interest rate from only 3.88%/year in the first 3 months. Customers can borrow 100% of capital needs, maximum loan term of 35 years, principal grace period of 24 months.

Techcombank Offering loan interest rates from only 3.99%/year, supporting loans up to 80% of the value of the collateral, installment period up to 45 years, principal repayment exemption up to 10 years.

Vietnam Public Joint Stock Commercial Bank PVcomBank throw The preferential credit package is worth up to VND 10,500 billion, with attractive interest rates starting from only 3.99%/year, effective until the end of January 2026.

Which bank has the most preferential home loan interest rate?

HDBank deploying a credit package of 30,000 billion VND with a loan term of up to 50 years. The starting interest rate is 4.5%/year in the first 3 months, with a maximum loan of up to 50 billion VND, disbursing 90% of the value of the secured assets and customers are given a principal grace period of up to 5 years.

In addition, this bank offers a long-term home loan interest rate framework for 2025 with the following options: Preferential interest rate for the first 3 months of loans at 3.5%/year; preferential interest rate for the first 6 months of loans at 3.5%/year, preferential interest rate for the first 12 months of loans at 6.5%/year, preferential interest rate for the first 24 months of loans at 7.5%/year.

Bank MSB implementing a preferential home loan package for young people with interest rates starting from only 4.5%/year - fixed for the first 6 months. Loan term up to 35 years with flexible principal repayment method where interest and principal can be paid in a way that suits the financial capacity of the customer.

SHB deploying a 16,000 billion loan package to serve the need to buy a house with preferential interest rates from only 3.99%. Customers will be able to borrow up to 90% of the value of the property they intend to buy, with no limit on the loan amount, with interest rates from only 3.99%/year.

Bank ABBank There is a home loan package for young people aged 19 to 40 with many incentives. This loan package has an interest rate of 5% per year, loans up to 100% of capital needs, flexible loan period up to 35 years.

For the Big 4 banking group, Agribank There is a program for young people to borrow with a fixed interest rate of 5.5%/year for the first 6 months, fixed at 6.2%/year for the first 12 months and fixed at 6.5%/year for the first 24 months. After the preferential period, the interest rate will float, currently fluctuating around 7.5%/year.

Similar, BIDV also supports a fixed interest rate of 5.5%/year for 3 years, loan term up to 40 years and especially no principal repayment within 5 years applied on a maximum amount of 5 billion VND/customer.

Vietin Bank Implementing preferential loan packages for young customers from 20 to 35 years old with interest rates from only 5.6%/year.

Vietcombank Launched a special credit product to help young people realize their dream of owning their first home with loan interest rates starting from only 5.2%/year.

For foreign banks, many banks have preferential home loan interest rates such as: UOB Apply interest rate of 5.5%/year for the first 3 months, 6.22%/year for the next 9 months; Or 1-year fixed package is 6.24%/year; 2-year fixed package is 6.34%/year.

Home loan interest rates HSBC is fluctuating from 5.5% - 8.99%/year applied for loan period of 6 months - 60 months. In which, 5.5% applies for 6 months, 6.5% applies for 12 months, 6.99% applies for 24 months, 7.99% applies for 36 months, 8.49% applies for 48 months and 8.99% applies for 60 months.

Shinhan Bank Offers 3 options to customers. In which, option 1 is 4.5%/year fixed for 6 months. Option 2 is 6.45%/year fixed for 12 months. Option 3 is 6.6%/year fixed for 24 months.

It can be seen that currently, to attract customers, some banks offer particularly attractive home loan interest rates. However, these preferential interest rates are only applicable for a short period of time. When the preferential interest rate period ends, customers will pay loan interest according to the floating interest rate on the market. In addition, some banks have some conditions if customers want to enjoy better interest rates, they must buy additional combos including savings, beautiful account numbers, credit cards, etc.

According to experts, buyers need to carefully consider cash flow and debt repayment ability, especially when the preferential interest rate program ends. Home buyers should calculate debt repayment ability based on floating interest rates according to the market.

Experts advise that homebuyers should only spend a maximum of 30-40% of their total monthly income on housing needs to ensure they can cover other basic needs. If the monthly principal and interest payments are not carefully and reasonably planned, they can create a financial burden and great pressure on life.

Source: https://baolangson.vn/lai-suat-vay-mua-nha-cua-ngan-hang-nao-uu-dai-nhat-trong-thang-9-5059313.html