{"id":39636,"date":"2024-03-06T16:59:23","date_gmt":"2024-03-06T09:59:23","guid":{"rendered":"https:\/\/reti.vn\/blog\/?p=39636"},"modified":"2025-10-22T04:11:36","modified_gmt":"2025-10-21T21:11:36","slug":"cap-nhat-lai-suat-ngan-hang-vpbank-thang-03-2024","status":"publish","type":"post","link":"https:\/\/reti.vn\/blog\/cap-nhat-lai-suat-ngan-hang-vpbank-thang-03-2024\/","title":{"rendered":"C\u00e2\u0323p nh\u00e2\u0323t la\u0303i su\u00e2\u0301t ng\u00e2n ha\u0300ng VPbank tha\u0301ng 03\/2024"},"content":{"rendered":"

D\u1ef1a tr\u00ean th\u00f4ng tin m\u1edbi nh\u1ea5t t\u1eeb th\u00e1ng 3\/2024, VPBank cung c\u1ea5p m\u1ed9t lo\u1ea1t c\u00e1c s\u1ea3n ph\u1ea9m vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t linh ho\u1ea1t, ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m vay c\u1ee5 th\u1ec3. L\u00e3i su\u1ea5t cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i VPBank<\/strong><\/a>, c\u1ee5 th\u1ec3 cho vi\u1ec7c vay mua nh\u00e0 c\u00e1 nh\u00e2n, l\u00e0 6.9%\/n\u0103m v\u1edbi th\u1eddi h\u1ea1n vay c\u00f3 th\u1ec3 l\u00ean t\u1edbi 25 n\u0103m, v\u00e0 kh\u1ea3 n\u0103ng vay t\u1ed1i \u0111a 100% nhu c\u1ea7u\u200b\u200b\u200b\u200b.<\/p>\n

VPBank<\/strong> c\u0169ng cung c\u1ea5p c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c nhau cho vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u1edbi l\u00e3i su\u1ea5t 9.5%\/n\u0103m, vay du h\u1ecdc 8.6%\/n\u0103m, vay mua xe 7.49%\/n\u0103m, v\u00e0 vay kinh doanh tr\u1ea3 g\u00f3p 7.9%\/n\u0103m\u200b\u200b.<\/p>\n

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V\u1ec1 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m, VPBank \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t l\u00e0 8.1%\/n\u0103m cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi online k\u1ef3 h\u1ea1n 24 th\u00e1ng, v\u1edbi h\u1ea1n m\u1ee9c t\u1eeb 50 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean\u200b\u200b.<\/p>\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng li\u1ec7t k\u00ea c\u00e1c s\u1ea3n ph\u1ea9m vay c\u1ee7a VPBank c\u00f9ng v\u1edbi l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho m\u1ed7i s\u1ea3n ph\u1ea9m (t\u00ednh theo %\/n\u0103m), t\u00ednh \u0111\u1ebfn th\u00e1ng 3\/2024:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
STT<\/th>\nS\u1ea3n ph\u1ea9m vay<\/th>\nL\u00e3i su\u1ea5t (%\/n\u0103m)<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\nVay mua nh\u00e0 (nh\u00e0 \u0111\u1ea5t, c\u0103n h\u1ed9)<\/td>\n6.90<\/td>\n<\/tr>\n
2<\/td>\nVay tr\u1ea3 g\u00f3p mua xe \u00f4 t\u00f4<\/td>\n7.49<\/td>\n<\/tr>\n
3<\/td>\nVay x\u00e2y d\u1ef1ng ho\u1eb7c s\u1eeda ch\u1eefa nh\u00e0 c\u1eeda<\/td>\n7.49<\/td>\n<\/tr>\n
4<\/td>\nVay kinh doanh tr\u1ea3 g\u00f3p<\/td>\n7.90<\/td>\n<\/tr>\n
5<\/td>\nCho vay du h\u1ecdc<\/td>\n8.60<\/td>\n<\/tr>\n
6<\/td>\nVay ti\u00eau d\u00f9ng: Vay th\u1ea5u chi c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m online<\/td>\n7.40<\/td>\n<\/tr>\n
7<\/td>\nVay l\u1ea1i kho\u1ea3n \u0111\u00e3 tr\u1ea3<\/td>\n7.40<\/td>\n<\/tr>\n
8<\/td>\nVay b\u1ed5 sung v\u1ed1n l\u01b0u \u0111\u1ed9ng h\u1ea1n m\u1ee9c ph\u1ee5c v\u1ee5 kinh doanh<\/td>\n7.90<\/td>\n<\/tr>\n
9<\/td>\nVay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/td>\n7.40<\/td>\n<\/tr>\n
10<\/td>\nVay c\u1ea7m c\u1ed1 gi\u1ea5y t\u1edd, ch\u1ee9ng t\u1eeb c\u00f3 gi\u00e1 do VPBank ph\u00e1t h\u00e0nh<\/td>\n7.40<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00e3i su\u1ea5t n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay kh\u00e1c nhau, t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng c\u1ee7a kho\u1ea3n vay, bao g\u1ed3m vay mua nh\u00e0, vay mua xe, vay x\u00e2y d\u1ef1ng\/s\u1eeda ch\u1eefa nh\u00e0 c\u1eeda, v\u00e0 c\u00e1c lo\u1ea1i vay ti\u00eau d\u00f9ng kh\u00e1c. \u200b<\/p>\n

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D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng t\u00ednh minh h\u1ecda cho vi\u1ec7c vay mua nh\u00e0 chung c\u01b0 v\u1edbi gi\u00e1 4 t\u1ef7 VND v\u00e0 vay 70% t\u1eeb ng\u00e2n h\u00e0ng VPBank, v\u1edbi l\u00e3i su\u1ea5t 6.9%\/n\u0103m:<\/p>\n\n\n\n\n\n\n\n\n\n\n
M\u00f4 t\u1ea3<\/th>\nGi\u00e1 tr\u1ecb<\/th>\n<\/tr>\n<\/thead>\n
Loan Amount (VND)<\/td>\n2,800,000,000 VND<\/td>\n<\/tr>\n
Annual Interest Rate (%)<\/td>\n6.9%<\/td>\n<\/tr>\n
Loan Term (Years)<\/td>\n25<\/td>\n<\/tr>\n
Monthly Repayment (VND)<\/td>\n19,611,560 VND<\/td>\n<\/tr>\n
Total Repayment (VND)<\/td>\n5,883,468,000 VND<\/td>\n<\/tr>\n
Total Interest Paid (VND)<\/td>\n3,083,468,000 VND<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Gi\u1ea3i th\u00edch:<\/strong><\/p>\n

    \n
  • Loan Amount (VND):<\/strong> S\u1ed1 ti\u1ec1n vay l\u00e0 2,8 t\u1ef7 VND, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 70% gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0 chung c\u01b0 4 t\u1ef7 VND.<\/li>\n
  • Annual Interest Rate (%):<\/strong> L\u00e3i su\u1ea5t h\u00e0ng n\u0103m \u00e1p d\u1ee5ng cho kho\u1ea3n vay n\u00e0y l\u00e0 6.9%.<\/li>\n
  • Loan Term (Years):<\/strong> Th\u1eddi h\u1ea1n vay l\u00e0 25 n\u0103m.<\/li>\n
  • Monthly Repayment (VND):<\/strong> S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0 kho\u1ea3ng 19,611,560 VND.<\/li>\n
  • Total Repayment (VND):<\/strong> T\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 sau 25 n\u0103m l\u00e0 kho\u1ea3ng 5,883,468,000 VND.<\/li>\n
  • Total Interest Paid (VND):<\/strong> T\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 l\u00e0 kho\u1ea3ng 3,083,468,000 VND.<\/li>\n<\/ul>\n

    L\u01b0u \u00fd: S\u1ed1 ti\u1ec1n tr\u1ea3 h\u00e0ng th\u00e1ng v\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh v\u00e0 kh\u00f4ng t\u00ednh \u0111\u1ebfn c\u00e1c bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 x\u1ea3y ra trong t\u01b0\u01a1ng lai. \u200b<\/p>\n

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    l\u01b0u y\u0301 khi vay mua nha\u0300 ta\u0323i VPBANK<\/strong><\/h2>\n<\/div>\n<\/div>\n
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    Khi vay mua nh\u00e0 t\u1ea1i VPBank, b\u1ea1n c\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec3m sau \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o qu\u00e1 tr\u00ecnh vay m\u01b0\u1ee3n di\u1ec5n ra su\u00f4n s\u1ebb v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh:<\/p>\n

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    1. L\u00e3i su\u1ea5t v\u00e0 ph\u00ed<\/strong>: N\u1eafm r\u00f5 l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho kho\u1ea3n vay c\u1ee7a b\u1ea1n, bao g\u1ed3m l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh ho\u1eb7c l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i, v\u00e0 b\u1ea5t k\u1ef3 ph\u00ed d\u1ecbch v\u1ee5 ho\u1eb7c ph\u00ed ph\u1ea1t n\u00e0o c\u00f3 th\u1ec3 ph\u00e1t sinh t\u1eeb kho\u1ea3n vay.<\/li>\n
    2. Th\u1eddi h\u1ea1n vay<\/strong>: X\u00e1c \u0111\u1ecbnh th\u1eddi h\u1ea1n vay ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a b\u1ea1n, \u0111\u1ed3ng th\u1eddi c\u00e2n nh\u1eafc \u0111\u1ebfn kh\u1ea3 n\u0103ng thanh to\u00e1n h\u00e0ng th\u00e1ng v\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3.<\/li>\n
    3. T\u1ef7 l\u1ec7 vay so v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n (LTV)<\/strong>: L\u01b0u \u00fd t\u1ef7 l\u1ec7 vay t\u1ed1i \u0111a so v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n c\u00f3 \u0111\u1ee7 ti\u1ec1n m\u1eb7t cho kho\u1ea3n thanh to\u00e1n ban \u0111\u1ea7u.<\/li>\n
    4. C\u00e1c \u0111i\u1ec1u ki\u1ec7n vay<\/strong>: \u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay, bao g\u1ed3m c\u1ea3 ngh\u0129a v\u1ee5 c\u1ee7a b\u1ea1n v\u00e0 ng\u00e2n h\u00e0ng, c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1edbm t\u1ea5t to\u00e1n kho\u1ea3n vay ho\u1eb7c c\u00e1c h\u00ecnh ph\u1ea1t li\u00ean quan.<\/li>\n
    5. B\u1ea3o hi\u1ec3m<\/strong>: C\u00e2n nh\u1eafc vi\u1ec7c mua b\u1ea3o hi\u1ec3m nh\u00e0 \u0111\u1ea5t ho\u1eb7c b\u1ea3o hi\u1ec3m kho\u1ea3n vay \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc nh\u01b0 t\u1ed5n th\u1ea5t t\u00e0i s\u1ea3n ho\u1eb7c kh\u1ea3 n\u0103ng m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 do s\u1ee9c kh\u1ecfe ho\u1eb7c ngh\u1ec1 nghi\u1ec7p.<\/li>\n
    6. C\u00e1c s\u1ea3n ph\u1ea9m vay kh\u00e1c<\/strong>: So s\u00e1nh v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m vay mua nh\u00e0 t\u1eeb ng\u00e2n h\u00e0ng kh\u00e1c c\u0169ng nh\u01b0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 mua nh\u00e0 c\u1ee7a ch\u00ednh ph\u1ee7 ho\u1eb7c \u0111\u1ecba ph\u01b0\u01a1ng (n\u1ebfu c\u00f3) \u0111\u1ec3 t\u00ecm ra l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t cho b\u1ea1n.<\/li>\n
    7. Th\u1ee7 t\u1ee5c v\u00e0 gi\u1ea5y t\u1edd<\/strong>: Chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 v\u00e0 cung c\u1ea5p m\u1ecdi gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft cho qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t vay m\u01b0\u1ee3n, bao g\u1ed3m ch\u1ee9ng minh thu nh\u1eadp, s\u1ed5 h\u1ed9 kh\u1ea9u, gi\u1ea5y t\u1edd nh\u00e0 \u0111\u1ea5t, v\u00e0 c\u00e1c gi\u1ea5y t\u1edd kh\u00e1c theo y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\n
    8. T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh<\/strong>: C\u00e2n nh\u1eafc t\u00ecm ki\u1ebfm t\u01b0 v\u1ea5n t\u1eeb chuy\u00ean gia t\u00e0i ch\u00ednh ho\u1eb7c ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 kinh nghi\u1ec7m vay mua nh\u00e0 \u0111\u1ec3 c\u00f3 c\u00e1i nh\u00ecn s\u00e2u s\u1eafc v\u00e0 l\u1eddi khuy\u00ean h\u1eefu \u00edch tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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      <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

      L\u1eddi khuy\u00ean:<\/strong> Khi c\u00e2n nh\u1eafc vay v\u1ed1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, b\u1ea1n n\u00ean xem x\u00e9t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 trong t\u01b0\u01a1ng lai c\u1ee7a m\u00ecnh, bao g\u1ed3m c\u1ea3 l\u00e3i su\u1ea5t v\u00e0 th\u1eddi h\u1ea1n vay. M\u1ed9t l\u00e3i su\u1ea5t h\u1ee3p l\u00fd nh\u01b0 6.9%\/n\u0103m cho vay mua nh\u00e0 c\u00e1 nh\u00e2n t\u1ea1i VPBank l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n d\u1ef1 \u0111\u1ecbnh s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e2u d\u00e0i. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n vay ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 d\u1ef1 \u0111o\u00e1n v\u1ec1 thu nh\u1eadp trong t\u01b0\u01a1ng lai s\u1ebd gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd n\u1ee3 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. \u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng quan v\u00e0 quy\u1ebft \u0111\u1ecbnh ch\u00ednh x\u00e1c, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 mu\u1ed1n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 vay kh\u00e1c c\u1ee7a ng\u00e2n h\u00e0ng ho\u1eb7c so s\u00e1nh l\u00e3i su\u1ea5t v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c.