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 tracking.
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.
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.