At NCB, this bank does not announce lending interest rates for businesses, but from March 1, 2024, the reference interest rate for individual customers is 8.5%/year.
Nam A Bank announced base interest rates of 8.2%/year (short-term), 9.2%/year (medium-term) and 9.4%/year (long-term).
VietA Bank’s reference interest rate for corporate customers is 8.05%/year (short-term) and 8.2%/year (long-term).
The base interest rate for individual customers at ABBank is 9.65%/year, applied by this bank from February 2024. However, ABBank does not publicly disclose the base interest rate for corporate customers.
PVCombank also has not disclosed lending interest rates for corporate customers. In the most recent announcement on loan interest rates for home buyers (February 2024), loan interest rates over 36 months at PVCombank are 9.49%/year for the first 6 months. At the end of the preferential period, the interest rate will be calculated at the base interest rate plus 3.5%/year.
The home loan interest rate for a loan with a term of over 48 months is 10.99% for 18 preferential months, after which the interest rate will be added by 3.5% compared to the base interest rate.
At SHB, the base interest rate for individual and business customers borrowing from over 12 months to under 36 months is 7.4%/year, borrowing from 36-60 months is 8.1%/year, borrowing over 60 months. is 8.4%/year.
MB Bank said the base interest rate for SME customers ranges from 6.76-8.1%/year depending on the loan term.
Interest rates for SME customer loans at MB, March 2024.
At VPBank, the reference lending interest rate table for unsecured loans for individual customers was announced by the bank on April 3. Accordingly, for terms under 12 months the interest rate is 7%/year, for terms from 12-36 months 7.6%/year, for terms from 36-60 months 7.7%/year.
Loan interest rates are adjusted monthly for loans up to 12 months, adjusted every 3 months for loans over 12 months.
VPBank is also the only bank that publicly discloses the plus (or minus) margin from 0.5%-3%/year, depending on the customer’s debt repayment history.
OceanBank announced the base lending interest rate for loans up to 6 months is 4.5%/year, the base lending interest rate for loans from over 6 months to 12 months is 5.4%/year, with loans over 12 months is 6%/year.
At PGBank, the base interest rate applied to individual customers and micro businesses is 7.8-8.5%/year, depending on the loan term. Of which, the cheapest interest rate is 7.8%/year applied to short-term loans of less than 9 months. The interest rate for medium-term loans is 8.3%/year and long-term loans is 8.5%/year.
At TPBank, this bank announced the base lending interest rates for individual customers for terms of 1 month – 3 months – 6 months – 12 months respectively: 6.8% – 7.95% – 8. 05% – 8.25%/year.
The base loan interest rate at Techcombank is divided into many different loan packages. Since April 1, the standard base interest rate for real estate loans, mortgage consumer loans, and car loans is 6.5%/year.
However, if you take an unsecured consumer loan, the base interest rate is up to 11.33%/year.
In addition, Techcombank applies base interest rates for customers buying Vingroup project houses with interest rates of 6.35% – 6.5% – 6.8%/year, corresponding to short term: short. – medium – long term.
The base interest rates for Vinfast and Thaco car loans are 6% and 7%/year, respectively, regardless of the loan term.
In addition to the above banks, there are more than 10 banks that have not made public the average lending interest rate or base lending interest rate.
BANKS HAVE PUBLICLY DISCLAIMED LOAN INTEREST RATES (%/year)STTBANKLOAN INTEREST RATE (LSCV)DIFFERENCE NOTE1TECHCOMBANK6.5 – 11.33LSCS mortgage and unsecured2PVCOMBANK9.49 – 10.99LSCS for buying a house3MSB6.99 – 10.99LSCS initial fixed incentives4ACB8.22 – 9.74.05 Average LSCS KHCN5ABBANK9.65LSCS KHCN6VIETBANK9 – 9. 57NAM A BANK8.2 – 9.4LSCS8OCB7.97 – 9,283.69KHCN and KHDN9NCB8.5KHCN10PGBANK7.8 – 2.9LSCS KHCN and micro enterprises11SHB7.4 – 8.4Term over 12 months12DONG A BANK8.32.913TPBANK6.8 – 8. 25LSCS KHCN14VIET A BANK8.05 – 8.2LSCS KHDN15MB6.76 – 8.116VPBANK7 – 7.7LSCS KHCN17AGRIBANK7,471.47Average LSCS18SACOMBANK7,092.8Average LSCS19GPBANK6,962.23Average LSCS20BIDV6,493,12Average LSCV21 VIETCOMBANK6,43,4LSCV average Quan22VIETINBANK6,32,45 Average LSCV22OCEANBANK6LSCS