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 9.75% 6.25%
More than 3M up to 6M 9.75% 6.35%
More than 6M up to 9M 9.75% 6.50%
More than 9M up to 12M 10.00% 6.75%
Long term more than 12M 11.00% 7.50%

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