Latest VietinBank home loan interest rates April 2025

In April 2025, VietinBank's home loan interest rates continued to be adjusted by Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) to support customers who want to own a house. According to information updated from the official website vietinbank.vn (January 24, 2025), VietinBank's average lending interest rate is currently at 5.42%/year, with an interest rate difference of 2.13%/year. However, specific VietinBank home loan interest rates may vary depending on the incentive program, loan term and customer target. VietinBank is currently implementing home loan packages with competitive interest rates, usually ranging from 5.6% to 8.2%/year during the incentive period, applicable to fixed terms from 12 to 36 months.

Latest average VietinBank loan interest rate in April 2025

According to the latest announcement on the website vietinbank.vn (January 24, 2025), Vietinbank's average lending interest rate is 5.42%/year, the interest rate difference is 2.13%/year.

Note, this is only the average loan interest rate, not the specific interest rate for each loan.

Latest VietinBank home loan interest rates April 2025

VietinBank home loan interest rate under HomeJoy program

According to a survey by Quang Nam Newspaper, VietinBank has just launched a HomeJoy home loan package specifically for young customers aged 20 to 35. Detailed information about the loan package is as follows:

Preferential interest rate from 5.6%/year.

Applicable subjects: Individual customers from 20 to 35 years old.

Loan limit up to 100% of capital needs.

Loan term up to 40 years.

Principal repayment grace period up to 60 months.

VietinBank home loan interest rate according to social housing loan program

In addition to the above incentive program, in order to support businesses in developing projects and people in accessing housing at reasonable costs, Vietinbank has implemented a loan package with preferential interest rates for the need to borrow to buy social housing as follows:

Preferential interest rate for project investors: 6.6%/year

Preferential interest rate for home buyers: 6.1%/year

The above preferential interest rates will be applied from January 1, 2025 to June 30, 2025. After that, from July 1, 2025, every 6 months, VietinBank will announce the loan interest rates during the Program implementation period.

The preferential interest rate is applied by VietinBank for a period of 3 years for investors and up to 5 years for individuals buying houses. This policy applies to social housing projects, housing for workers, projects to renovate or rebuild old apartments. The scale of the program is up to 30,000 billion VND with implementation effect until December 31, 2030.

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 VietinBank's regulations at each time.

Source: https://baoquangnam.vn/lai-suat-vay-mua-nha-vietinbank-thang-4-2025-moi-nhat-3152889.html