Ngân hàng nào đang cho vay mua nhà lãi suất thấp nhất thị trường?

If you’re considering buying a house and need a loan, it’s important to find a bank that offers low-interest rates. In this article, we will explore which banks in the market are currently offering the lowest interest rates for home loans.

Lãi suất phổ biến trong tháng 3

When we look at the data in March 2024, we can see that most banks apply two interest rates: a preferential interest rate for short-term loans of 3-12 months, and a post-promotional interest rate. The difference between the promotional and post-promotional interest rates at popular banks ranges from 2-3.8%.

For commercial residential loans in March 2024, the interest rates offered by banks ranged from 5-14.05% per year. After the promotional period, the floating interest rates range from 8-13% per year. State-owned banks such as Agribank, Vietcombank, Vietinbank, and BIDV offer interest rates for production and business loans, consumer loans, and home loans ranging from 5.3-8.5% per year, depending on the loan term.

Specifically, BIDV offers a fixed interest rate of 6.5% per year for the first 6 months and 7% per year for the next 12 months, with a minimum loan term of 36 months. For customers looking to buy a home with a minimum loan term of 60 months, the interest rates vary from 7.5-8.5% per year, depending on the loan term.

VietinBank offers rates starting from 5.7% per year for short-term loans and 6.45% per year for medium to long-term loans for production and consumer purposes.

Vietcombank offers preferential interest rates of 6.0% per year for the first 6 months for personal customers looking to buy a home, a car, or for consumer loans with a term of less than 12 months. They also offer rates of 6.3% per year for the first 6 months for medium to long-term loans. Small and medium-sized enterprise (SME) customers are offered rates starting from 5.3% per year, depending on their credit rating and capacity.

Agribank applies a fixed interest rate of 7% per year for medium and long-term loans, with the loan term extended from 12 to 24 months.

For joint-stock commercial banks such as BV Bank, VPBank, Sacombank, MSB, TPBank, ACB, HD, OCB, and TPBank, the interest rates for home loans range from 5-10.5% per year.

Foreign banks such as Wooribank, Shinhan Vietnam, and Standard Chartered also adjust their interest rates accordingly.

Lưu ý điều kiện đi kèm khi vay mua nhà

While some banks offer attractive interest rates for home loans, it’s important to note that these preferential rates are only applicable for a limited period. After the promotional period ends, the interest rates will float according to the market rate. Some banks require customers to purchase additional products such as savings accounts, attractive account numbers (OCB), or credit cards to enjoy better interest rates.

Therefore, in addition to comparing interest rates offered by different banks, buyers should carefully consider their cash flow and repayment capability. Rather than being attracted solely by preferential interest rates, it’s essential to calculate based on the floating interest rates in the market.

Khó tiếp cận gói tín dụng 120.000 tỷ đồng

Previously, Circular 06/2023/TT-NHNN allowed individuals to borrow from one bank to repay their loan from another bank. However, many customers find it difficult to access new loans with lower interest rates. If customers are struggling with their existing loans, there is a higher risk of overdue payments and bad debts, which may make some banks hesitant to grant new loans.

In addition, customers should also consider additional costs such as prepayment fees of 0.5-3% or higher, mortgage release fees, re-registration fees for collateral, notary fees, and insurance fees for new loans.

Realistically, many banks have implemented policies that offer low-interest rates for individual customers to repay their loans from other banks. For example, the State Bank of Vietnam has provided guidelines for a credit package worth 120,000 billion VND to fund social housing projects, workers’ housing, renovation projects, and the construction of old apartments.

The interest rate for this credit package is 8% per year for developers and is valid for 3 years from the disbursement date. For homebuyers, the interest rate is 7.5% per year and is valid for 5 years from the disbursement date.

It’s worth noting that the interest rate for this credit package is higher compared to the preferential rates offered by some banks for commercial home loans. It is also higher than the preferential rates for social housing loans, currently ranging from 4.8-5% per year (valid until December 31, 2024).

In conclusion, when considering a home loan, it is crucial to compare interest rates offered by different banks and carefully assess your financial situation. Customers should also thoroughly review the loan conditions and additional costs associated with the loan. Consulting with the bank directly will provide more specific advice on loan interest rates. Experts also recommend allocating a maximum of 30-40% of monthly income for housing needs to ensure financial stability and manage other essential expenses effectively.