Individual and SME Customers Can Obtain Business, Home, and Auto Loans with Attractive Preferential Interest Rate Programs Starting Early July 2024

Competitive Interest Rates – Making Loans Easily Accessible to All Customers

The Competitive Interest Rate Program, with a capital scale of 50,000 billion VND, is available to individual customers for purchasing real estate, home renovation, car purchase, consumer loans, and more, with preferential interest rates starting at just 5.5% per year, specifically:

• From only 5.5% per year for the first 6 months for loans under 24 months.
• From only 5.7% per year for the first 12 months for loans over 24 months.

This program is valid until March 31, 2025, or until the capital limit is exhausted.

Stable Interest Rates – Helping Customers Stay Proactive in Their Financial Planning

In parallel with the above Competitive Interest Rate Program, to help customers remain proactive in their personal or business financial planning, Vietcombank allocates 100,000 billion VND for the Stable Interest Rate Program. This program is designed for individual and SME customers with fixed interest rates for long-term loans of 18 months, 24 months, 36 months, and 60 months.

The Stable Interest Rate Program is aimed at individual and SME customers needing medium to long-term loans for purchasing/renovating real estate, business production, car purchases, and consumer loans, with fixed interest rates starting at just 6.2% per year, including:

• From only 6.2% per year fixed for 18 months.
• From only 6.5% per year fixed for 24 months.
• From only 8.0% per year fixed for 36 months.
• From only 9.5% per year fixed for 60 months.

This program is valid until March 31, 2025, or until the capital limit is exhausted.

Preferential Short-term Business Production Loan Interest Rates

The preferential short-term business production loan interest rate program, with a capital scale of up to 160,000 billion VND, continues to be implemented. This program is applicable to individual customers, business household owners, and private business owners seeking working capital loans for business production with loan interest rates starting from just 4.8% per year, specifically:

• From only 4.8% per year for loans with terms under 3 months.
• From only 4.9% per year for loans with terms from 3 months to under 6 months.
• From only 5.8% per year for loans with terms from 6 months to under 9 months.
• From only 5.9% per year for loans with terms from 9 months to under 12 months.
• From only 6.2% per year for loans with terms of 12 months.

This program is valid for disbursements under Vietcombank products from January 1, 2024, to December 31, 2024, or until the capital limit of 160,000 billion VND is exhausted.

Competitive Interest Rate Program for SME Customers

For SME customers, Vietcombank allocates 100,000 billion VND for the Competitive Interest Rate Program, offering preferential loan interest rates starting from just 4.2% per year for short-term loans.

• From only 4.2% per year for loans with terms under 3 months.
• From only 4.8% per year for loans with terms from 3 months to under 6 months.
• From only 5.5% per year for loans with terms from 6 months to under 9 months.
• From only 5.5% per year for loans with terms from 9 months to under 12 months.
• From only 6.1% per year for loans with terms of 12 months.

This program runs from April 1, 2024, to March 31, 2025, or until the capital limit is exhausted.

Special Offers for Customers Receiving Salaries via Vietcombank

Individual customers receiving salaries via Vietcombank will receive an additional interest rate reduction of 0.2% per year compared to regular loan interest rates.

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Starting now, customers can visit nearly 650 Vietcombank transaction points nationwide for consultations on the most suitable interest rate programs.

Please note that the minimum loan interest rates may change periodically.