First Home Loan

LOAN

PACKAGE

FIXED INTEREST RATE SCHEME

(Fixed for the first 1 or 2 years from disbursement)

FLOATING INTEREST RATE SCHEME

(Starts right after disbursement)

Initial Interest Rate

• Preferential*: 9.80%/p.a.
• Standard: 9.90%/p.a.

Prime Rate - 1.30%/p.a.

Interest Rate for Subsequent Years

• After a fixed period up to Year 4: Prime Rate - 0.75%/p.a.
• From Year 5 onwards: Prime Rate + 0.25%/p.a.

Maintained at Prime Rate - 1.30%/p.a. throughout the loan tenor

Prepayment Penalty Fee 

• Year 1: 3%
• Year 2: 2%
• Year 3: 1%
• Year 4: 0.5%
• From Year 5: 0%

• Year 1: 2%
• Year 2: 1%
• Year 3: 1%
• Year 4: 0.5%
• From Year 5: 0%

Interest Rate Package Conversion 

Not applicable

Free of charge when converting to the Fixed Interest Rate Scheme

Minimum Loan Amount 

from 400,000,000 VND

Minimum Loan Tenor 

50 years (60 months)