Interest Rate

Reference Rates for interest rate Loans and Advances:
Tenor of loan Reference ROI for Loan in VND Reference ROI for Loan in USD
up to 3M 9.05% 6.25%
More than 3M up to 6M 9.50% 6.35%
More than 6M up to 9M 9.50% 6.50%
More than 9M up to 12M 9.50% 6.75%
Long term more than 12M 10.00% 7.50%

The above rates are for reference and negotiable from case to case basis

Bank of India - Ho Chi Minh Branch's lending interest rate information:
Average VND lending rate (01/2025) 8.50%/year
Difference between average VND lending rate and average VND deposit rate (01/2025)(*) 3.12%/year

Note: (*): Average deposit rate of Bank of India - Ho Chi Minh Branch with terms 01 month and above

Interest Rate

Average Lending Rate:8.50%
Difference between lending and deposit rate(@): 3.12%
@average deposit rate of BOI HCMC with terms 1month and above with effect from 01.12.2024.