Home Loan Calculator — Vietnam
Estimate your monthly home loan payment in VND using Vietnam's typical rates, and see the full interest cost. No signup, no account needed.
Local rates & providers
Home loan rates ≈ 8–12% p.a. (higher after promo period). SBV refinancing rate 4.50% (held since mid-2023). Providers: Vietcombank, BIDV, VietinBank, Agribank, Techcombank, VPBank, MBBank, ACB, Sacombank.
Reference figures, ~2026. The State Bank of Vietnam (SBV) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every ₫1,000,000 borrowed at 10.00% over 20 years:
- Monthly payment: ₫9,650
- Total repaid: ₫2,316,052
- Total interest: ₫1,316,052
Scale this to your loan amount — e.g. ₫3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
A real-data rate check: home loan rates in Vietnam (2026)
Vietnamese banks almost never quote one flat mortgage rate. Instead they advertise a low promotional rate that applies only for the first 6-24 months, after which the loan switches to a floating rate. As of early-to-mid 2026, published promo rates include Vietcombank around 7.0%/year for the first 12 months, floating up to roughly 9.0%/year afterward; BIDV at 6.5%/year for 12 months, floating at savings rate + 4.0-4.5%; and MB Bank, illustrated in one example as jumping from an initial 8.5% to as high as 15%/year after the promo period ends.
A more realistic example: for a 2,000,000,000 ₫ loan over 20 years (240 months), at a first-year promotional rate of 7%/year the monthly payment is about 15,506,000 ₫. Once the loan rolls onto a typical post-promo floating rate of 11%/year, the same balance's payment recalculates to about 20,645,000 ₫/month — a jump of roughly 33%. We recommend modeling with a realistic floating rate of 11%/year for long-term Vietnam home loan planning.
Frequently Asked Questions
How is the home loan payment calculated in Vietnam?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Vietnam's typical rate.
What is the current home loan rate in Vietnam?
As a 2026 reference, typical rates are around 10.0% per year, linked to the State Bank of Vietnam (SBV) policy rate. Home loan rates ≈ 8–12% p.a. (higher after promo period). SBV refinancing rate 4.50% (held since mid-2023). Providers: Vietcombank, BIDV, VietinBank, Agribank, Techcombank, VPBank, MBBank, ACB, Sacombank.
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.
Why do Vietnamese bank mortgage ads show such low rates like 5-7%?
Those are promotional teaser rates that only apply for the first 6 to 24 months of the loan. Banks such as Vietcombank and BIDV advertise rates around 6.5-7.0%/year for this initial period, but the loan then converts to a floating rate, which recent 2026 reporting shows landing anywhere from about 9% to 15%/year depending on the bank and market conditions.
What rate should I actually use to estimate my monthly payment?
For realistic long-term planning, use a floating rate in the 9-13%/year range rather than the promotional rate shown in bank marketing, since that promo rate typically only lasts 1-2 years out of a 15-25 year loan term.
Related calculators
Sources
VietNamNet (February 21, 2026): Home loans in 2026: high interest rates and even stricter conditions. Batdongsan.com.vn Wiki (January 2026): Home loan rates comparison, January 2026. See our methodology and editorial policy for how we source and update this data.