Vietcombank has introduced a series of new preferential loan programs, effective from April 1, 2025. These programs are designed with flexibility and diversity to cater to different borrowing needs, reaffirming Vietcombank’s strong commitment to supporting the sustainable growth of SMEs and individuals.

The “Competitive Interest Rates” & “Stable Interest Rates” Programs: Easy Access to Capital

The newly launched “Competitive Interest Rates” and “Stable Interest Rates” programs are available to individual customers and SMEs for real estate purchases, home construction and renovation, car purchases, consumer loans, and business loans. With a total budget of up to VND 270 trillion, these programs offer interest rates starting at just 3.99% per annum.

Customers participating in these programs can choose fixed interest rate terms that suit their capital needs, including 6, 9, 12, 18, 24, 36, and 60 months. These programs are available from April 1, 2025, to March 31, 2026, or until the allocated budget is fully disbursed.

Preferential Interest Rate Program for Short-Term Business Loans

With a budget of up to VND 250 trillion, the short-term business loan program provides financial support to individual customers, business households, and private business owners for working capital needs. Interest rates start at just 4.6% per annum.

Additionally, Vietcombank has allocated VND 40 trillion for a short-term preferential loan program designed for SMEs seeking working capital and business expansion. Loan terms range from 3 to 12 months, with interest rates starting at 4.6% per annum.

Preferential Interest Rate Program for Green Standard Enterprises

Starting April 1, 2025, Vietcombank is offering VND 10 trillion in preferential loans to SMEs that adhere to green production standards. These short-term loans (under 12 months) will have interest rates starting at just 4.2% per annum.

To qualify, SMEs must hold at least one of the following certifications: domestic or international standards for cultivation, livestock farming, or seafood processing (such as VietGap, GlobalGap, ISO 22000, HACCP, GMP), OCOP certification, national organic farming and livestock standards, Vietnam eco-label certification, or environmental labeling under TCVN ISO/TS 14027. This program runs until March 31, 2026, or until the allocated budget is exhausted.

Unsecured Loan Program for Salary Earners Receiving Payments via Vietcombank

Employees with stable incomes who receive their salaries via Vietcombank can access consumer loans without requiring collateral. Interest rates start at just 6.0% per annum, depending on the customer's job position.

This program is available from April 1, 2025, to March 31, 2026, or until the disbursed budget is exhausted.

Note: All the mentioned interest rates are subject to change based on Vietcombank’s policies at different periods.

For more details on preferential loan programs, customers can visit any Vietcombank branch nationwide or contact the hotline at 1900 5454 13 (for regular customers) and 1800 1565 (for Priority customers).