Loan - Personal Banking
Loan Interest Rates
- All below interest rates are issued by Hong Leong Bank Vietnam Ltd for reference only. We reserve the right to change interest rates without prior notice, to see here for details.
- Please call our Call Center at 1900633068 for the latest rate.
1. Housing Loan
1.1 Sub-sales & Personal Secured Loan
Applicable duration: Loan application is disbursed from 20 October 2026
Prime rate: Learn more
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LOAN PACKAGE
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FIXED INTEREST RATE SCHEME (Fixed for the first 1 or 2 years from disbursement) |
FLOATING INTEREST RATE SCHEME (Starts right after disbursement) |
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Initial Interest Rate |
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Prime Rate - 1.90%/p.a. |
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Interest Rate for Subsequent Years |
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Maintained at Prime Rate - 1.30%/p.a. throughout the loan tenor |
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Prepayment Penalty Fee |
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Interest Rate Package Conversion |
Not applicable |
Free of charge when converting to the Fixed Interest Rate Scheme |
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Minimum Loan Amount |
from 400,000,000 VND |
|
|
Minimum Loan Tenor |
50 years (60 months) |
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The minimum loan tenor must be from 05 years (60 months) and the minimum approved loan amount must be from VND400 million, otherwise, normal lending rate of HLBVN will be applied.
(*) Prime Rate will be rate promulgated by HLBVN from time to time
1.2 Early Repayment Fee
| The 1st year | The 2nd year | The 3rd year | The 4th year | 5th onward |
|
3% prepaid amount |
2% prepaid amount |
1% prepaid amount |
0.5% prepaid amount |
0% prepaid amount |
2. Auto Loan
2.1 Auto Loan
Effective date: from 10 September 2026
Prime rate: Learn more
| Duration | 1st year | 2nd year | 3rd year | 4th onward |
| Fixed for 1 year | 9.99% p.a. | Prime Rate* + 0.99% p.a. | Prime Rate* + 1.69% p.a. | |
| Fixed for 2 years | 10.59% p.a. | Prime Rate* + 0.99% p.a. | ||
The minimum loan tenor must be from 04 years (48 months) and the minimum approved loan amount must be from VND300 million, otherwise, normal lending rate of HLBVN will be applied.
(*) Prime Rate will be rate promulgated by HLBVN from time to time
2.2 Early Repayment Fee
| The 1st year | The 2nd year | The 3rd year | 4th onward
|
|
3% prepaid amount |
2% prepaid amount |
2% prepaid amount |
0% prepaid amount |
3. Fixed Deposit Loan (FDL)
Effective date: From 06 November 2026
| FDL Secured by foreign currency | MOA | Less than VND 2bio | From VND 2bio
|
|---|---|---|---|
| Secured by USD | 85% | From 3.80% p.a. | From 3.80% p.a. |
| 90% | From 3.90% p.a. | From 3.90% p.a. | |
| Secured by AUD | 80% | From 7.80% p.a. |
From 7.70% p.a. |
| Secured by EUR
|
80% | From 7.10% p.a.
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From 7.00% p.a.
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| Secured by GBP
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80% | From 5.40% p.a.
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From 5.30% p.a.
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4. Interest Calculation Formula
Interest Amount = (Actual Balance × Actual Number of the remained Days × Interest Rate) / 365