- Latest averageVIB bank loan interest rate in April 2025
- Latest VIB home loan interest rates April 2025
- Other forms of bank loan interest rates
- Latest VIB base interest rate
- Offers for VIB personal loan packages
- How to calculate bank loan interest rates to buy a house easily and accurately
- VIB home loan guide for customers
Vietnam International Commercial Joint Stock Bank (VIB), abbreviated as VIB, is one of the leading commercial joint stock banks in Vietnam, with a network of 193 branches and transaction offices in 32 key provinces/cities. VIB home loan interest rates in April 2025 are flexibly adjusted, suitable for each customer group, providing convenient financial solutions for home ownership needs. VIB home loan interest rate packages currently apply special preferential policies, supporting customers to optimize loan costs, although specific information on interest rates is not published in detail and changes from time to time.
Latest average VIB bank loan interest rate in April 2025
Vietnam International Bank (VIB), one of the leading joint stock commercial banks in Vietnam, offers flexible financial solutions for customers who want to own their dream home. VIB home loan interest rates in April 2025 are specially designed to suit each customer, ensuring convenience and cost optimization.
This interest rate varies depending on the loan term and loan characteristics, helping customers easily access suitable loan packages without being bound by a fixed number. Although the interest rate table is not announced in detail, VIB is still committed to bringing attractive incentives, supporting customers to realize their dream of settling down in April 2025.
| Target customers | Interest rate |
| Individual | 7.33% |
| Business | 6.34% |
| Average deposit and lending interest rate spread | 3.47% |
Latest VIB home loan interest rates April 2025
Vietnam International Bank (VIB) continues to offer attractive financial solutions for customers who want to own an apartment or townhouse in 2025. VIB's home loan interest rates in April 2025 are designed with many outstanding incentives, suitable for each individual customer's financial plan. Specifically, from August and September 2024, VIB has launched an apartment loan package with a quick approval time of only 8 hours, a loan limit of up to 20 billion VND, and 24/7 consulting and support services.
Regarding VIB's home loan interest rates in April 2025, the program applied from March 28, 2024 is still maintained with flexible options: fixed interest rate for 6 months at 5.9%/year, 12 months at 6.9%/year, 24 months at 7.9%/year and 36 months at 8.9%/year, with a margin after the preferential period of only 2.8%. By December 2024, VIB will still maintain the special incentive for loans to buy apartments with interest rates from 5.9%/year, and principal repayment exemption for the first 5 years. In addition, the loan package to buy townhouses is also implemented with a starting interest rate from 5.9%/year, supporting loans up to 95% of the property value, helping customers easily realize their dream of settling down.
With home loan interest rates, VIB has not yet publicly updated but will have specific policies for each period. Currently, home loans at VIB have some incentives as follows:
| The criteria | Home loan | Loans for home construction and repair | Borrowing to repay other banks |
| Loan amount | Up to 90% of capital requirements | Up to 90% of capital requirements | Up to 100% of capital requirements |
| Loan period | Up to 30 years | Up to 15 years | Up to 30 years |
| Interest rate | Applicable for each period | Applicable for each period | Applicable for each period |
| Debt repayment method | – Principal repayment: Monthly/Quarterly/6 months – Interest payment: Monthly | – Principal repayment: Monthly/Quarterly/6 months – Interest payment: Monthly | – Principal repayment: Monthly/Quarterly/6 months (Principal grace period 12 months/24 months) – Interest payment period: monthly |
| Target customers | Individual | Individual | Individual |
| Source of income | Income from salary, business/capital contribution, property rental | Income from salary, business/capital contribution, property rental | From salary, property rental,… |
| Collateral | Real estate | Real estate | Real estate |
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 VIB's regulations at each time.
Other forms of bank loan interest rates
Latest VIB base interest rate
Vietnam International Bank (VIB) applies a flexible interest rate policy, especially for real estate loans, bringing favorable home ownership opportunities to customers in 2025. VIB home loan interest rates in April 2025 are calculated based on the base interest rate, which changes according to each disbursement period, including milestones before 2019, from 2019 to 2022, from 2023, and most recently from 2024. This base interest rate plays a fundamental role in determining the floating loan interest rate after the preferential period, with a simple formula: floating interest rate equals the base interest rate plus the margin.
Specifically, in 2025, the base interest rate applied to real estate loans, including home loans, is 8.5%/year. Meanwhile, the base interest rate for car loans is 9.0%/year, and consumer loans with collateral is 10.5%/year. This policy is flexibly adjusted by VIB from time to time, ensuring it is suitable for market needs and conditions, bringing optimal benefits to customers when learning about VIB home loan interest rates in April 2025.
| Loan products | Disbursement from 2024 | Disbursement from 2023 | Disbursement 2019 – 2022 | Disbursement before 2019 |
| Real estate loans | 8.5% | 10% | 11% | 11.5% |
| Car loan | 9.0% | 10.9% | 11.4% | 11.5% |
| Business loans (≤ 12 months) | 8.5% | 8.8% | 8.8% | – |
| Business loans (>12 months) | 9.5% | 10.5% | 11% | 11.5% |
| Consumer loans with collateral | 10.5% | 11.2% | 11.7% | 11.5% |
| Mortgage Loans, Deposits, and Valuations | – | 8.8% | 9.3% | – |
Offers for VIB personal loan packages
VIB bank loan interest rates for individuals buying houses, cars, furniture... updated at the end of March 2025 are as follows:
| Programme | Content | Applicable interest rates | Minimum loan term | After the fixed interest rate period |
| M25 loan package applies to 9 major projects | – Fixed for 12 months – Fixed for 18 months Fixed for 24 months | – 6.8%/year – 7.8%/year – 8.5%/year (Principal grace period up to 5 years) | From 12-360 months | 2.5%/year amplitude |
| Townhouse loan package | – Fixed for 12 months – Fixed for 18 months Fixed for 24 months | – 7.3%/year – 8.3%/year – 8.6%/year (Principal grace period up to 4 years) | From 12-360 months | Amplitude 2.9%/year |
| Home repair and furniture purchase loan packages | – Fixed for 12 months – Fixed for 18 months Fixed for 24 months | – 7.3%/year – 8.3%/year – 8.6%/year | From 12-360 months | Amplitude 2.9%/year |
| Car loan package | Fixed for 12 months | 7.5%/year | From 12-96 months | Amplitude 3.4%/year |
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 VIB's regulations at each time.
How to calculate bank loan interest rates to buy a house easily and accurately
Total monthly payment = Monthly interest payment + Total monthly principal payment.
In there:
Monthly Principal = Initial Loan Amount ÷ Number of Loan Months
First month's interest = Initial loan amount x Monthly interest rate
2nd month interest = (Initial loan amount – Principal paid) x Monthly interest rate
Similarly, from the 3rd month onwards, interest will be calculated on the remaining balance.
VIB home loan guide for customers
Vietnam International Bank (VIB) offers a clearly and transparently designed home loan approval process, helping customers easily access capital to realize their dream of settling down. In particular, when learning about VIB home loan interest rates in April 2025, customers will experience a seamless and professional loan journey.
First, after the customer has prepared all the necessary documents such as legal documents, proof of income and information on collateral, VIB will receive and conduct a preliminary check to ensure the application is valid. Next, the bank will conduct a thorough appraisal process, including verifying personal information, reviewing credit history and assessing the customer's financial capacity. At the same time, the collateral - usually the house to be purchased - will be carefully valued to determine its actual value, thereby deciding on the appropriate loan limit.
After completing the appraisal and valuation steps, VIB will comprehensively consider the customer's ability to pay, property value and credit history to make a decision to approve the loan. Once the results are approved, the bank will promptly contact the customer, providing full information on VIB home loan interest rates in April 2025, loan term as well as specific payment terms.
Finally, the customer will sign a loan contract with the agreed terms. After completing the procedure, VIB will disburse the loan flexibly, possibly through a bank transfer or direct payment to the seller as agreed. With the support of a dedicated team of experts, the process at VIB is not only transparent but also ensures convenience, helping customers quickly own their dream home.
Note: For the loan process to go smoothly, customers should contact VIB directly to register for credit through VIB's branch/transaction office/hotline/website, then complete and provide full loan documents according to the bank's regulations.
Source: https://baoquangnam.vn/lai-suat-vay-mua-nha-vib-thang-4-2025-moi-nhat-3152739.html
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