What mortgage rates are available in Vietnam?

Vietnam mortgage introductory rates typically range from around 5% to 11% per annum. Introductory fixed-rate periods of 6–24 months are common, after which rates revert to a floating formula tied to the bank's base rate plus a margin. Rates vary by bank, loan-to-value ratio, loan term, and borrower profile.

Can foreigners get a mortgage in Vietnam?

Foreign nationals with a valid Vietnamese visa may be eligible for mortgage financing at select Vietnamese banks, though eligibility criteria and maximum loan-to-value ratios differ from those for Vietnamese citizens. Eligibility varies by bank and individual circumstances. Always confirm directly with the lender.

What is the maximum loan term for a Vietnam mortgage?

Most Vietnamese banks offer mortgage terms of up to 20–25 years, with some extending to 30 years for qualifying borrowers.

What is the maximum LTV for Vietnam home loans?

Loan-to-value ratios in Vietnam are typically 70–80% for residential properties. Some banks offer up to 85% LTV for eligible borrowers.

How is the post-fixed mortgage rate calculated in Vietnam?

After the introductory fixed-rate period ends, Vietnamese mortgage rates typically reset to a floating rate calculated as the bank's internal savings rate plus a fixed margin. The specific formula varies by lender and product.

Rates from official bank sources · Vietnam market

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Market Summary

Lowest Intro Rate

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Typical Rate Range

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Introductory offers

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Methodology, FAQ & Disclaimer

How We Collect Rates

Rates shown are sourced from official bank websites and promotional materials. Each offer includes a link to the original source and a verification date.

Introductory rates are the headline promotional rates for the fixed period shown. Post-fixed rates reflect the lender's published formula at the time of verification — typically a floating rate tied to the bank's benchmark savings rate plus a fixed margin.

Rates may change without notice. Always confirm the current rate with the lender before making any financial decision.

Verification Statuses

Verified — Rate confirmed directly with the bank or from an official document within the last 30 days.

Automatically checked — Rate retrieved from the bank's public website via automated means. May not reflect the latest changes.

Awaiting review — Rate has not yet been manually reviewed. Use with extra caution.

Stale — Source has not been successfully checked within the configured freshness window.

Frequently Asked Questions

Disclaimer: Information on this page is provided for general informational purposes only. It does not constitute financial, legal, or mortgage advice. Rates are subject to change and individual eligibility may vary. Viet Property Partners is not a licensed lender or financial adviser. Always consult a qualified mortgage broker or financial adviser before making borrowing decisions. Foreign buyers should seek independent legal advice regarding Vietnamese property ownership laws.

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Vietnam Mortgage Rate Trackerand Calculator