{"id":597522,"date":"2025-08-21T14:59:37","date_gmt":"2025-08-21T07:59:37","guid":{"rendered":"https:\/\/muaban.net\/blog\/?p=597522"},"modified":"2025-08-21T15:55:17","modified_gmt":"2025-08-21T08:55:17","slug":"lai-suat-ngan-hang-vietcombank","status":"publish","type":"post","link":"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/","title":{"rendered":"L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay: C\u1eadp nh\u1eadt chi ti\u1ebft"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Th\u1eddi gian \u0111\u1ecdc:<\/span> <span class=\"rt-time\"> 10<\/span> <span class=\"rt-label rt-postfix\">ph\u00fat<\/span><\/span><h2 style=\"text-align: justify;\">Vietcombank l\u00e0 m\u1ed9t trong b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p. V\u1edbi n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u1eefng m\u1ea1nh c\u00f9ng t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p, Vietcombank li\u00ean t\u1ee5c gi\u1eef v\u1eefng v\u1ecb tr\u00ed top \u0111\u1ea7u v\u1ec1 l\u1ee3i nhu\u1eadn. Trong b\u00e0i vi\u1ebft n\u00e0y, h\u00e3y c\u00f9ng <strong><a href=\"https:\/\/muaban.net\" target=\"_blank\" rel=\"noopener\">Muaban.net<\/a><\/strong> c\u1eadp nh\u1eadt th\u00f4ng tin m\u1edbi nh\u1ea5t v\u1ec1 <strong>l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank<\/strong> nh\u00e9.<\/h2>\n<figure id=\"attachment_597523\" aria-describedby=\"caption-attachment-597523\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597523\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191703\/lai-suat-ngan-hang-vietcombank-1.jpg\" alt=\"l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng vietcombank\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191703\/lai-suat-ngan-hang-vietcombank-1.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191703\/lai-suat-ngan-hang-vietcombank-1-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191703\/lai-suat-ngan-hang-vietcombank-1-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597523\" class=\"wp-caption-text\">Vietcombank cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 ti\u1ec7n \u00edch v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh<\/figcaption><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee5c l\u1ee5c<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#i-lai-suat-tien-gui-ngan-hang-vietcombank-hom-nay\" >I. L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#1-doi-voi-khach-hang-ca-nhan\" >1. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#2-doi-voi-khach-hang-doanh-nghiep\" >2. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#ii-lai-suat-cho-vay-ngan-hang-vietcombank-moi-cap-nhat\" >II. L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#1-lai-suat-vay-mua-nha-%e2%80%93-goi-%e2%80%9cnha-moi-thanh-dat%e2%80%9d\" >1. L\u00e3i su\u1ea5t vay mua nh\u00e0 &#8211; G\u00f3i &#8220;Nh\u00e0 m\u1edbi th\u00e0nh \u0111\u1ea1t&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#2-lai-suat-vay-mua-nha-%e2%80%93-goi-pho-thong\" >2. L\u00e3i su\u1ea5t vay mua nh\u00e0 &#8211; G\u00f3i Ph\u1ed5 th\u00f4ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#3-lai-suat-vay-kinh-doanh\" >3. L\u00e3i su\u1ea5t vay kinh doanh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#4-lai-suat-vay-tin-chap\" >4. L\u00e3i su\u1ea5t vay t\u00edn ch\u1ea5p<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#iii-cach-tinh-lai-suat-ngan-hang-vietcombank-don-gian-chi-tiet\" >III. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank \u0111\u01a1n gi\u1ea3n, chi ti\u1ebft<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#1-cach-tinh-lai-suat-gui-tiet-kiem\" >1. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#2-cach-tinh-lai-suat-vay-theo-du-no-giam-dan\" >2. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#3-cach-tinh-lai-suat-vay-theo-du-no-ban-dau\" >3. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 ban \u0111\u1ea7u<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#iv-mot-so-cau-hoi-thuong-gap-ve-lai-suat-ngan-hang-vietcombank\" >IV. M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#1-gui-10-trieu-mot-thang-lai-suat-bao-nhieu-tai-vietcombank\" >1. G\u1eedi 10 tri\u1ec7u m\u1ed9t th\u00e1ng l\u00e3i su\u1ea5t bao nhi\u00eau t\u1ea1i Vietcombank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#2-gui-ngan-hang-vietcombank-100-trieu-mot-thang-lai-bao-nhieu\" >2. G\u1eedi ng\u00e2n h\u00e0ng Vietcombank 100 tri\u1ec7u m\u1ed9t th\u00e1ng l\u00e3i bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#3-50-trieu-gui-ngan-hang-vietcombank-lai-suat-bao-nhieu\" >3. 50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng Vietcombank l\u00e3i su\u1ea5t bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/#4-vay-mua-nha-tai-vietcombank-co-kho-khong\" >4. Vay mua nh\u00e0 t\u1ea1i Vietcombank c\u00f3 kh\u00f3 kh\u00f4ng?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"i-lai-suat-tien-gui-ngan-hang-vietcombank-hom-nay\"><\/span><strong>I. L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Vietcombank hi\u1ec7n \u0111ang tri\u1ec3n khai m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i d\u00e0nh cho d\u1ecbch v\u1ee5 g\u1eedi ti\u1ebft ki\u1ec7m, ph\u00f9 h\u1ee3p v\u1edbi nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng Vietcombank \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t v\u00e0o th\u00e1ng 8\/2025:<\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-doi-voi-khach-hang-ca-nhan\"><\/span><strong>1. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i Vietcombank theo h\u00ecnh th\u1ee9c g\u1eedi tr\u1ef1c ti\u1ebfp t\u1ea1i qu\u1ea7y ho\u1eb7c g\u1eedi tr\u1ef1c tuy\u1ebfn qua ng\u00e2n h\u00e0ng s\u1ed1 VCB Digibank. T\u00f9y theo nhu c\u1ea7u c\u00e1 nh\u00e2n \u0111\u1ec3 kh\u00e1ch h\u00e0ng l\u1ef1a ch\u1ecdn k\u1ef3 h\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p. Sau \u0111\u00e2y l\u00e0 bi\u1ec3u l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank m\u1edbi nh\u1ea5t \u00e1p d\u1ee5ng cho c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n g\u1eedi ti\u1ec1n t\u1ea1i qu\u1ea7y trong th\u00e1ng n\u00e0y:<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"width: 23.2759%; text-align: center;\"><strong>VND<\/strong><\/td>\n<td style=\"width: 22.9885%; text-align: center;\"><strong>EUR<\/strong><\/td>\n<td style=\"width: 23.1322%; text-align: center;\"><strong>USD<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">Kh\u00f4ng k\u1ef3 h\u1ea1n<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">0.10%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">7 ng\u00e0y<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">0.20%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">14 ng\u00e0y<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">0.20%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">1 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">1.60%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">2 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">1.60%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">3 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">1.90%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">6 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">2.90%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">9 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">2.90%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">12 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">4.60%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">24 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">4.70%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">36 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">4.70%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">48 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">4.70%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 29.023%; text-align: center;\">60 th\u00e1ng<\/td>\n<td style=\"width: 23.2759%; text-align: center;\">4.70%<\/td>\n<td style=\"width: 22.9885%; text-align: center;\">0.30%<\/td>\n<td style=\"width: 23.1322%; text-align: center;\">0.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">Ngo\u00e0i ra, Vietcombank c\u0169ng ghi nh\u1eadn m\u1ee9c <a href=\"https:\/\/vi.wikipedia.org\/wiki\/L%C3%A3i_su%E1%BA%A5t\" target=\"_blank\" rel=\"nofollow noopener\">l\u00e3i su\u1ea5t<\/a> \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi tr\u1ef1c tuy\u1ebfn nh\u01b0 sau:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>VND<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>EUR<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>USD<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">14 ng\u00e0y<\/td>\n<td style=\"text-align: center;\">0.20%<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">1 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">1.60%<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">3 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">1.90%<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">6 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">2.90%<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<td style=\"text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">9 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">2.90%<\/td>\n<td style=\"text-align: center;\">0.30%<\/td>\n<td style=\"text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">12 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">4.60%<\/td>\n<td style=\"text-align: center;\">0.30%<\/td>\n<td style=\"text-align: center;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">24 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">4.70%<\/td>\n<td style=\"text-align: center;\">0.30%<\/td>\n<td style=\"text-align: center;\">0.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_597524\" aria-describedby=\"caption-attachment-597524\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597524\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191713\/lai-suat-ngan-hang-vietcombank-2.jpg\" alt=\"L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191713\/lai-suat-ngan-hang-vietcombank-2.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191713\/lai-suat-ngan-hang-vietcombank-2-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191713\/lai-suat-ngan-hang-vietcombank-2-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597524\" class=\"wp-caption-text\">Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m theo h\u00ecnh th\u1ee9c g\u1eedi t\u1ea1i qu\u1ea7y ho\u1eb7c g\u1eedi tr\u1ef1c tuy\u1ebfn<\/figcaption><\/figure>\n<p><strong>Tham kh\u1ea3o: <a style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, &#039;Segoe UI&#039;, Roboto, Oxygen, Ubuntu, Cantarell, &#039;Open Sans&#039;, &#039;Helvetica Neue&#039;, sans-serif;\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-agribank-597047\/\" target=\"_blank\" rel=\"noopener\">C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Agribank m\u1edbi nh\u1ea5t 2025<\/a><\/strong><\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-doi-voi-khach-hang-doanh-nghiep\"><\/span><strong>2. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Ri\u00eang \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p, m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u01b0u \u0111\u00e3i ghi nh\u1eadn m\u1ee9c cao nh\u1ea5t l\u00e0 4,3%\/n\u0103m \u0111\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n tr\u00ean 24 th\u00e1ng. Chi ti\u1ebft l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi d\u00e0nh cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u01b0 sau:<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"text-align: center; width: 23.1322%;\"><strong>VND<\/strong><\/td>\n<td style=\"text-align: center; width: 23.4196%;\"><strong>EUR<\/strong><\/td>\n<td style=\"text-align: center; width: 22.5575%;\"><strong>USD<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">Kh\u00f4ng k\u1ef3 h\u1ea1n<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">0.20%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">1 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">1.50%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">2 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">1.50%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">3 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">1.80%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">6 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">2.80%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">9 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">2.80%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">12 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">4.10%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">24 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">4.20%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">36 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">4.20%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">48 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">4.20%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.30%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 29.3103%;\">60 th\u00e1ng<\/td>\n<td style=\"text-align: center; width: 23.1322%;\">4.20%<\/td>\n<td style=\"text-align: center; width: 23.4196%;\">0.00%<\/td>\n<td style=\"text-align: center; width: 22.5575%;\">0.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_597525\" aria-describedby=\"caption-attachment-597525\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597525\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191724\/lai-suat-ngan-hang-vietcombank-3.jpg\" alt=\"L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191724\/lai-suat-ngan-hang-vietcombank-3.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191724\/lai-suat-ngan-hang-vietcombank-3-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191724\/lai-suat-ngan-hang-vietcombank-3-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597525\" class=\"wp-caption-text\">M\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi d\u00e0nh cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p ghi nh\u1eadn kho\u1ea3ng 4,3%\/n\u0103m<\/figcaption><\/figure>\n<p><strong>L\u01b0u \u00fd:<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\">L\u00e3i su\u1ea5t tr\u00ean ch\u1ec9 mang t\u00ednh tham kh\u1ea3o v\u00e0 c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi \u0111i\u1ec3m.<\/li>\n<li style=\"text-align: justify;\">L\u00e3i \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean s\u1ed1 ng\u00e0y th\u1ef1c t\u1ebf v\u00e0 c\u01a1 s\u1edf t\u00ednh l\u00e3i l\u00e0 365 ng\u00e0y.<\/li>\n<li style=\"text-align: justify;\">L\u00e3i su\u1ea5t c\u00e1c lo\u1ea1i ngo\u1ea1i t\u1ec7 kh\u00e1c ho\u1eb7c c\u00e1c k\u1ef3 h\u1ea1n kh\u00f4ng ni\u00eam y\u1ebft, b\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 chi nh\u00e1nh Vietcombank g\u1ea7n nh\u1ea5t \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3.<\/li>\n<\/ul>\n<p><strong>\u0110\u1ecdc th\u00eam: <a style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, &#039;Segoe UI&#039;, Roboto, Oxygen, Ubuntu, Cantarell, &#039;Open Sans&#039;, &#039;Helvetica Neue&#039;, sans-serif;\" href=\"https:\/\/muaban.net\/blog\/giai-ngan-la-gi-332749\/\" target=\"_blank\" rel=\"noopener\">Gi\u1ea3i ng\u00e2n l\u00e0 g\u00ec? Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft khi gi\u1ea3i ng\u00e2n vay v\u1ed1n<\/a><\/strong><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"ii-lai-suat-cho-vay-ngan-hang-vietcombank-moi-cap-nhat\"><\/span><strong>II. L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ngo\u00e0i m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u1ea1nh tranh, Vietcombank c\u00f2n tri\u1ec3n khai nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh cho vay \u01b0u \u0111\u00e3i v\u1edbi t\u1ed5ng quy m\u00f4 l\u00ean \u0111\u1ebfn 570.000 t\u1ef7 \u0111\u1ed3ng. C\u00e1c g\u00f3i vay \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf linh ho\u1ea1t theo nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng nh\u01b0 mua nh\u00e0, mua xe, vay s\u1ea3n xu\u1ea5t kinh doanh, vay ti\u00eau d\u00f9ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 g\u00f3i vay c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn m\u00e0 ng\u00e2n h\u00e0ng Vietcombank \u0111ang tri\u1ec3n khai trong n\u0103m 2025:<\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-lai-suat-vay-mua-nha-%e2%80%93-goi-%e2%80%9cnha-moi-thanh-dat%e2%80%9d\"><\/span><strong>1. L\u00e3i su\u1ea5t vay mua nh\u00e0 &#8211; G\u00f3i &#8220;Nh\u00e0 m\u1edbi th\u00e0nh \u0111\u1ea1t&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">G\u00f3i \u201cNh\u00e0 m\u1edbi th\u00e0nh \u0111\u1ea1t\u201d c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 5,2%\/n\u0103m v\u00e0 \u00e1p d\u1ee5ng d\u00e0nh cho \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng tr\u1ebb t\u1eeb 20-35 tu\u1ed5i:<\/p>\n<ul style=\"text-align: justify;\">\n<li>L\u00e3i su\u1ea5t: C\u1ed1 \u0111\u1ecbnh ch\u1ec9 t\u1eeb 5,2%\/n\u0103m trong 3 n\u0103m \u0111\u1ea7u<\/li>\n<li>Th\u1eddi gian vay: t\u1ed1i \u0111a 40 n\u0103m<\/li>\n<li>Ch\u00ednh s\u00e1ch mi\u1ec5n tr\u1ea3 g\u1ed1c l\u00ean t\u1edbi 5 n\u0103m<\/li>\n<li>H\u1ea1n m\u1ee9c vay t\u1ed1i \u0111a 70% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ch\u00ednh ng\u00f4i nh\u00e0 d\u1ef1 \u0111\u1ecbnh s\u1edf h\u1eefu l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p<\/li>\n<li>\u0110i\u1ec1u ki\u1ec7n tham gia: L\u00e0 c\u00f4ng d\u00e2n Vi\u1ec7t Nam trong \u0111\u1ed9 tu\u1ed5i t\u1eeb 20 \u0111\u1ebfn 35, \u0111ang l\u00e0m vi\u1ec7c t\u1ea1i c\u00e1c \u0110\u01a1n v\u1ecb s\u1eed d\u1ee5ng lao \u0111\u1ed9ng v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00e1n b\u1ed9, c\u00f4ng ch\u1ee9c ho\u1eb7c vi\u00ean ch\u1ee9c, c\u00f3 thu nh\u1eadp t\u1eeb l\u01b0\u01a1ng \u0111\u01b0\u1ee3c chi tr\u1ea3 qua t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i ng\u00e2n h\u00e0ng; c\u00f3 H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng ho\u1eb7c Quy\u1ebft \u0111\u1ecbnh tuy\u1ec3n d\u1ee5ng v\u1edbi th\u1eddi h\u1ea1n t\u1eeb 01 n\u0103m tr\u1edf l\u00ean, ho\u1eb7c kh\u00f4ng x\u00e1c \u0111\u1ecbnh th\u1eddi h\u1ea1n\/kh\u00f4ng ghi th\u1eddi h\u1ea1n k\u1ebft th\u00fac; \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea5p t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a Vietcombank.<\/li>\n<\/ul>\n<figure id=\"attachment_597526\" aria-describedby=\"caption-attachment-597526\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597526\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191733\/lai-suat-ngan-hang-vietcombank-4.jpg\" alt=\"L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191733\/lai-suat-ngan-hang-vietcombank-4.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191733\/lai-suat-ngan-hang-vietcombank-4-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191733\/lai-suat-ngan-hang-vietcombank-4-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597526\" class=\"wp-caption-text\">G\u00f3i \u201cNh\u00e0 m\u1edbi th\u00e0nh \u0111\u1ea1t\u201d c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 5,2%\/n\u0103m<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-lai-suat-vay-mua-nha-%e2%80%93-goi-pho-thong\"><\/span><strong>2. L\u00e3i su\u1ea5t vay mua nh\u00e0 &#8211; G\u00f3i Ph\u1ed5 th\u00f4ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">G\u00f3i vay mua nh\u00e0 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp \u1ed5n \u0111\u1ecbnh, c\u00f3 nhu c\u1ea7u mua ho\u1eb7c x\u00e2y s\u1eeda l\u1ea1i nh\u00e0 \u1edf:<\/p>\n<ul style=\"text-align: justify;\">\n<li>L\u00e3i su\u1ea5t: Ch\u1ec9 t\u1eeb 3,99%\/n\u0103m<\/li>\n<li>M\u1ee5c \u0111\u00edch vay: Vay mua nha\u0300; x\u00e2y m\u1edbi ho\u1eb7c c\u1ea3i t\u1ea1o, s\u1eeda ch\u1eefa nh\u00e0 \u1edf hi\u1ec7n c\u00f3; mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai<\/li>\n<li>Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn c\u00e1c m\u1ee9c c\u1ed1 \u0111\u1ecbnh l\u00e3i su\u1ea5t theo th\u1eddi gian: 06 th\u00e1ng \u2013 09 th\u00e1ng \u2013 12 th\u00e1ng \u2013 18 th\u00e1ng \u2013 24 th\u00e1ng \u2013 36 th\u00e1ng \u2013 60 th\u00e1ng<\/li>\n<li>Th\u1eddi gian \u00e1p d\u1ee5ng: T\u1eeb 01\/04\/2025 \u2013 31\/03\/2026 ho\u1eb7c \u0111\u1ebfn khi h\u1ebft ng\u00e2n s\u00e1ch.<\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li>Ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n:\n<ul>\n<li>3 n\u0103m \u0111\u1ea7u ti\u00ean: 1% c\u1ee7a s\u1ed1 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n<\/li>\n<li>T\u1eeb n\u0103m th\u1ee9 4 \u0111\u1ebfn h\u1ebft n\u0103m th\u1ee9 5: 0,5% c\u1ee7a s\u1ed1 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n<\/li>\n<li>T\u1eeb n\u0103m th\u1ee9 6: mi\u1ec5n ph\u00ed<\/li>\n<\/ul>\n<\/li>\n<li>\u0110i\u1ec1u ki\u1ec7n vay:\n<ul>\n<li>C\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 mua ho\u1eb7c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb kh\u00e1c<\/li>\n<li>T\u1ea1i th\u1eddi \u0111i\u1ec3m xem x\u00e9t c\u1ea5p t\u00edn d\u1ee5ng, kh\u00f4ng c\u00f3 n\u1ee3 qu\u00e1 h\u1ea1n t\u1ea1i b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0o<\/li>\n<li>C\u00f3 thu nh\u1eadp \u1ed5n \u0111\u1ecbnh<\/li>\n<\/ul>\n<\/li>\n<li>H\u1ea1n m\u1ee9c, th\u1eddi h\u1ea1n vay:\n<ul>\n<li>Th\u1eddi h\u1ea1n cho vay: T\u1ed1i \u0111a 30 n\u0103m<\/li>\n<li>H\u1ea1n m\u1ee9c cho vay: 70% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 n\u1ebfu th\u1ebf ch\u1ea5p b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3; ho\u1eb7c 90% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 n\u1ebfu \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1c (nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 8% gi\u00e1 tr\u1ecb \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<figure id=\"attachment_597527\" aria-describedby=\"caption-attachment-597527\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597527\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191744\/lai-suat-ngan-hang-vietcombank-5.jpg\" alt=\"L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191744\/lai-suat-ngan-hang-vietcombank-5.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191744\/lai-suat-ngan-hang-vietcombank-5-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191744\/lai-suat-ngan-hang-vietcombank-5-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597527\" class=\"wp-caption-text\">G\u00f3i vay mua nh\u00e0 v\u1edbi l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 3,99%\/n\u0103m<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3-lai-suat-vay-kinh-doanh\"><\/span><strong>3. L\u00e3i su\u1ea5t vay kinh doanh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">G\u00f3i vay kinh doanh c\u1ee7a Vietcombank tri\u1ec3n khai d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, h\u1ed9 kinh doanh, doanh nghi\u1ec7p t\u01b0 nh\u00e2n v\u00e0 c\u1ed9ng \u0111\u1ed3ng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SME) v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 4,6%\/n\u0103m:<\/p>\n<ul style=\"text-align: justify;\">\n<li>H\u1ea1n m\u1ee9c vay: l\u00ean \u0111\u1ebfn 30 t\u1ef7 \u0111\u1ed3ng<\/li>\n<li>T\u1ef7 l\u1ec7 vay: l\u00ean \u0111\u1ebfn 100% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/li>\n<li>L\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i:\n<ul>\n<li>Vay ng\u1eafn h\u1ea1n (k\u1ef3 h\u1ea1n t\u1eeb 3-12 th\u00e1ng): ch\u1ec9 t\u1eeb 4,6%\/n\u0103m<\/li>\n<li>Vay trung v\u00e0 d\u00e0i h\u1ea1n (tr\u00ean 12 th\u00e1ng): ch\u1ec9 t\u1eeb 5,9%\/n\u0103m, v\u1edbi l\u1ef1a ch\u1ecdn k\u1ef3 h\u1ea1n c\u1ed1 \u0111\u1ecbnh l\u00e3i su\u1ea5t t\u1eeb 18 th\u00e1ng \u0111\u1ebfn 60 th\u00e1ng<\/li>\n<\/ul>\n<\/li>\n<li>Th\u1eddi gian tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh:\n<ul>\n<li>Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n: t\u1eeb 01\/01\/2025 \u0111\u1ebfn 31\/12\/2025<\/li>\n<li>Kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p SME: t\u1eeb 01\/04\/2025 \u0111\u1ebfn 31\/03\/2026<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<figure id=\"attachment_597528\" aria-describedby=\"caption-attachment-597528\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597528\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191753\/lai-suat-ngan-hang-vietcombank-6.jpg\" alt=\"L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191753\/lai-suat-ngan-hang-vietcombank-6.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191753\/lai-suat-ngan-hang-vietcombank-6-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191753\/lai-suat-ngan-hang-vietcombank-6-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597528\" class=\"wp-caption-text\">G\u00f3i vay kinh doanh c\u1ee7a Vietcombank c\u00f3 l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 4,6%\/n\u0103m<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4-lai-suat-vay-tin-chap\"><\/span><strong>4. L\u00e3i su\u1ea5t vay t\u00edn ch\u1ea5p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">G\u00f3i vay t\u00edn ch\u1ea5p c\u1ee7a Vietcombank tri\u1ec3n khai c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 6,0%\/n\u0103m v\u1edbi \u0111i\u1ec1u ki\u1ec7n vay nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li>M\u1ee5c \u0111\u00edch: Vay ti\u00eau d\u00f9ng kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/li>\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng: S\u1ea3n ph\u1ea9m d\u00e0nh cho kh\u00e1ch h\u00e0ng nh\u1eadn l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n, \u0111\u00e3 k\u00fd H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng c\u00f3 th\u1eddi h\u1ea1n t\u1eeb 01 n\u0103m tr\u1edf l\u00ean v\u00e0 c\u00f3 m\u1ee9c thu nh\u1eadp sau thu\u1ebf t\u1eeb l\u01b0\u01a1ng b\u00ecnh qu\u00e2n t\u1ed1i thi\u1ec3u 07 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng<\/li>\n<li>L\u00e3i su\u1ea5t:\n<ul>\n<li>V\u1edbi c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n: L\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 6,0%\/n\u0103m \u0111\u1ebfn 7,2%\/n\u0103m<\/li>\n<li>V\u1edbi c\u00e1c kho\u1ea3n vay trung d\u00e0i h\u1ea1n: l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 6,0%\/n\u0103m \u0111\u1ebfn 7,5%\/n\u0103m<\/li>\n<\/ul>\n<\/li>\n<li>Th\u01a1\u0300i gian vay t\u00f4\u0301i \u0111a \u0111\u00ea\u0301n 84 tha\u0301ng (v\u01a1\u0301i vay t\u01b0\u0300ng l\u00e2\u0300n) va\u0300 12 tha\u0301ng (v\u01a1\u0301i vay th\u00e2\u0301u chi)<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c vay linh ho\u1ea1t (t\u1eebng l\u1ea7n\/ th\u1ea5u chi)<\/li>\n<li>Th\u1eddi gian \u00e1p d\u1ee5ng: 01\/04\/2025 \u2013 31\/03\/2026 ho\u1eb7c \u0111\u1ebfn khi h\u1ebft ng\u00e2n s\u00e1ch.<\/li>\n<\/ul>\n<figure id=\"attachment_597532\" aria-describedby=\"caption-attachment-597532\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597532\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191830\/lai-suat-ngan-hang-vietcombank-10.jpg\" alt=\"L\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng Vietcombank m\u1edbi c\u1eadp nh\u1eadt\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191830\/lai-suat-ngan-hang-vietcombank-10.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191830\/lai-suat-ngan-hang-vietcombank-10-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191830\/lai-suat-ngan-hang-vietcombank-10-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597532\" class=\"wp-caption-text\">G\u00f3i vay t\u00edn ch\u1ea5p c\u1ee7a Vietcombank tri\u1ec3n khai c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 6,0%\/n\u0103m<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"iii-cach-tinh-lai-suat-ngan-hang-vietcombank-don-gian-chi-tiet\"><\/span><strong>III. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank \u0111\u01a1n gi\u1ea3n, chi ti\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">\u0110\u1ec3 t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank, b\u1ea1n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng nh\u1eefng c\u00e1ch t\u00ednh sau \u0111\u00e2y:<\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-cach-tinh-lai-suat-gui-tiet-kiem\"><\/span><strong>1. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">T\u00f9y v\u00e0o h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi m\u00e0 kh\u00e1ch h\u00e0ng l\u1ef1a ch\u1ecdn (c\u00f3 k\u1ef3 h\u1ea1n ho\u1eb7c kh\u00f4ng k\u1ef3 h\u1ea1n) m\u00e0 \u00e1p d\u1ee5ng c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m kh\u00e1c nhau:<\/p>\n<p style=\"text-align: justify;\"><strong>\u0110\u1ed1i v\u1edbi l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n:<\/strong><\/p>\n<p style=\"text-align: center;\"><em><strong>S\u1ed1 ti\u1ec1n l\u00e3i = S\u1ed1 ti\u1ec1n g\u1eedi x l\u00e3i su\u1ea5t (%\/n\u0103m) x s\u1ed1 ng\u00e0y g\u1eedi th\u1ef1c t\u1ebf \/ 365<\/strong><\/em><\/p>\n<p style=\"text-align: justify;\">V\u00ed d\u1ee5:<\/p>\n<p style=\"text-align: justify;\">N\u1ebfu b\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m 100 tri\u1ec7u \u0111\u1ed3ng kh\u00f4ng k\u1ef3 h\u1ea1n, l\u00e3i su\u1ea5t 0,1%\/n\u0103m, th\u1eddi \u0111i\u1ec3m r\u00fat s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m l\u00e0 sau 6 th\u00e1ng g\u1eedi ti\u1ec1n(~180 ng\u00e0y) th\u00ec ti\u1ec1n l\u00e3i b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0: 100,000,000 x 0,1% x 180\/365 = 49,315 VN\u0110<\/p>\n<p style=\"text-align: justify;\"><strong>\u0110\u1ed1i v\u1edbi l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>T\u00ednh l\u00e3i theo ng\u00e0y: <em><strong>S\u1ed1 ti\u1ec1n l\u00e3i theo ng\u00e0y = S\u1ed1 ti\u1ec1n g\u1eedi x l\u00e3i su\u1ea5t (%\/n\u0103m) x s\u1ed1 ng\u00e0y g\u1eedi \/ 365<\/strong><\/em><\/li>\n<li>T\u00ednh l\u00e3i theo th\u00e1ng: <em><strong>S\u1ed1 ti\u1ec1n l\u00e3i theo th\u00e1ng = S\u1ed1 ti\u1ec1n g\u1eedi x l\u00e3i su\u1ea5t (%\/n\u0103m)\/12 x s\u1ed1 th\u00e1ng g\u1eedi<\/strong><\/em><\/li>\n<li>T\u00ednh l\u00e3i theo n\u0103m: <em><strong>S\u1ed1 ti\u1ec1n l\u00e3i theo n\u0103m = S\u1ed1 ti\u1ec1n g\u1eedi x l\u00e3i su\u1ea5t (%\/n\u0103m) x s\u1ed1 n\u0103m g\u1eedi<\/strong><\/em><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">V\u00ed d\u1ee5: B\u1ea1n g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng theo c\u00e1c k\u1ef3 h\u1ea1n 6 th\u00e1ng, l\u00e3i su\u1ea5t 2,9%\/n\u0103m th\u00ec s\u1ed1 ti\u1ec1n l\u00e3i m\u00e0 b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0: ((100,000,000 x 2,9%) \/ 12) x 6 = 1,450,000 VN\u0110.<\/p>\n<p style=\"text-align: justify;\">Ho\u1eb7c c\u0169ng s\u1ed1 ti\u1ec1n tr\u00ean, b\u1ea1n ch\u1ec9 g\u1eedi trong 14 ng\u00e0y v\u1edbi l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m g\u1eedi tr\u1ef1c tuy\u1ebfn l\u00e0 0,2%\/n\u0103m, t\u1ed5ng s\u1ed1 l\u00e3i b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c khi t\u1ea5t to\u00e1n l\u00e0: ((100,000,000 x 0,2%) x 14)\/365 = 7,671 VN\u0110.<\/p>\n<figure id=\"attachment_597529\" aria-describedby=\"caption-attachment-597529\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597529\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191802\/lai-suat-ngan-hang-vietcombank-7.jpg\" alt=\"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank \u0111\u01a1n gi\u1ea3n, chi ti\u1ebft\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191802\/lai-suat-ngan-hang-vietcombank-7.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191802\/lai-suat-ngan-hang-vietcombank-7-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191802\/lai-suat-ngan-hang-vietcombank-7-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597529\" class=\"wp-caption-text\">T\u00f9y v\u00e0o h\u00ecnh th\u1ee9c ti\u1ec1n g\u1eedi m\u00e0 kh\u00e1ch h\u00e0ng l\u1ef1a ch\u1ecdn \u0111\u1ec3 \u00e1p d\u1ee5ng c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-cach-tinh-lai-suat-vay-theo-du-no-giam-dan\"><\/span><strong>2. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n s\u1ebd d\u1ef1a theo s\u1ed1 ti\u1ec1n th\u1ef1c t\u1ebf c\u00f2n n\u1ee3, sau khi \u0111\u00e3 tr\u1eeb \u0111i ph\u1ea7n n\u1ee3 g\u1ed1c \u0111\u00e3 tr\u1ea3 trong nh\u1eefng th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3. Nh\u01b0 v\u1eady s\u1ed1 ti\u1ec1n l\u00e3i h\u00e0ng th\u00e1ng ph\u1ea3i tr\u1ea3 s\u1ebd gi\u1ea3m d\u1ea7n b\u1edfi s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n. C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li><em><strong>Ti\u1ec1n g\u1ed1c h\u00e0ng th\u00e1ng = S\u1ed1 ti\u1ec1n vay \/ S\u1ed1 th\u00e1ng vay<\/strong><\/em><\/li>\n<li><em><strong>Ti\u1ec1n l\u00e3i th\u00e1ng \u0111\u1ea7u = S\u1ed1 ti\u1ec1n vay x L\u00e3i su\u1ea5t \/ 12<\/strong><\/em><\/li>\n<li><em><strong>Ti\u1ec1n l\u00e3i c\u00e1c th\u00e1ng ti\u1ebfp theo = Kho\u1ea3n ti\u1ec1n g\u1ed1c c\u00f2n l\u1ea1i x L\u00e3i su\u1ea5t \/ 12<\/strong><\/em><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">V\u00ed d\u1ee5: S\u1ed1 ti\u1ec1n vay ng\u00e2n h\u00e0ng l\u00e0 50 tri\u1ec7u, l\u00e3i su\u1ea5t 7% trong v\u00f2ng 12 th\u00e1ng. S\u1ed1 ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n g\u1ed1c ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Ti\u1ec1n g\u1ed1c tr\u1ea3 h\u00e0ng th\u00e1ng = 50,000,000 \/ 12 = 4,166,666 \u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng \u0111\u1ea7u = (50,000,000 x 7%) \/ 12 = 291,666 \u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng th\u1ee9 2 = (50,000,000 \u2013 4,166,666) x 7% \/ 12 = 267,361\u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng th\u1ee9 3 = (50,000,000 \u2013 4,166,666 \u2013 4,166,666) x 7% \/ 12 = 243,055 \u0111\u1ed3ng<\/li>\n<li>C\u00e1c th\u00e1ng ti\u1ebfp theo t\u00ednh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 tr\u00ean cho \u0111\u1ebfn khi tr\u1ea3 h\u1ebft n\u1ee3<\/li>\n<\/ul>\n<figure id=\"attachment_597530\" aria-describedby=\"caption-attachment-597530\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597530\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191811\/lai-suat-ngan-hang-vietcombank-8.jpg\" alt=\"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank \u0111\u01a1n gi\u1ea3n, chi ti\u1ebft\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191811\/lai-suat-ngan-hang-vietcombank-8.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191811\/lai-suat-ngan-hang-vietcombank-8-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191811\/lai-suat-ngan-hang-vietcombank-8-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597530\" class=\"wp-caption-text\">C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3-cach-tinh-lai-suat-vay-theo-du-no-ban-dau\"><\/span><strong>3. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 ban \u0111\u1ea7u<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Theo c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo d\u01b0 n\u1ee3 ban \u0111\u1ea7u th\u00ec ti\u1ec1n l\u00e3i m\u1ed7i th\u00e1ng trong su\u1ed1t qu\u00e1 tr\u00ecnh vay s\u1ebd b\u1eb1ng nhau v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a theo kho\u1ea3n ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u. C\u00e1ch t\u00ednh nh\u01b0 sau:<\/p>\n<p style=\"text-align: center;\"><em><strong>Ti\u1ec1n l\u00e3i = D\u01b0 n\u1ee3 g\u1ed1c x L\u00e3i su\u1ea5t vay\/Th\u1eddi h\u1ea1n vay<\/strong><\/em><\/p>\n<p style=\"text-align: justify;\">V\u00ed d\u1ee5: S\u1ed1 ti\u1ec1n vay l\u00e0 50 tri\u1ec7u, l\u00e3i su\u1ea5t 7%\/n\u0103m. Ti\u1ec1n l\u00e3i v\u00e0 g\u1ed1c ph\u1ea3i tr\u1ea3 l\u00e0:<\/p>\n<ul style=\"text-align: justify;\">\n<li>S\u1ed1 ti\u1ec1n g\u1ed1c ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0: 50,000,000 \/ 12 = 4,166,666 \u0111\u1ed3ng<\/li>\n<li>S\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng: (50,000,000 x 7%) \/ 12 = 291,666 \u0111\u1ed3ng<\/li>\n<li>S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0 t\u1ed5ng c\u1ee7a 2 kho\u1ea3n tr\u00ean l\u00e0 4,458,332 \u0111\u1ed3ng<\/li>\n<\/ul>\n<figure id=\"attachment_597531\" aria-describedby=\"caption-attachment-597531\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597531\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191821\/lai-suat-ngan-hang-vietcombank-9.jpg\" alt=\"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank \u0111\u01a1n gi\u1ea3n, chi ti\u1ebft\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191821\/lai-suat-ngan-hang-vietcombank-9.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191821\/lai-suat-ngan-hang-vietcombank-9-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191821\/lai-suat-ngan-hang-vietcombank-9-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597531\" class=\"wp-caption-text\">C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo D\u01b0 n\u1ee3 ban \u0111\u1ea7u<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"iv-mot-so-cau-hoi-thuong-gap-ve-lai-suat-ngan-hang-vietcombank\"><\/span><strong>IV. M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-gui-10-trieu-mot-thang-lai-suat-bao-nhieu-tai-vietcombank\"><\/span><strong>1. G\u1eedi 10 tri\u1ec7u m\u1ed9t th\u00e1ng l\u00e3i su\u1ea5t bao nhi\u00eau t\u1ea1i Vietcombank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">N\u1ebfu g\u1eedi 10 tri\u1ec7u m\u1ed9t th\u00e1ng t\u1ea1i Vietcombank th\u00ec m\u1ee9c l\u00e3i su\u1ea5t \u0111ang \u00e1p d\u1ee5ng hi\u1ec7n t\u1ea1i l\u00e0 1,6%\/n\u0103m. Nh\u01b0 v\u1eady ti\u1ec1n l\u00e3i thu \u0111\u01b0\u1ee3c l\u00e0 10,000,000 \u00d7 1,6% \/ 12 = 13,333\u202f \u0111\u1ed3ng.<\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-gui-ngan-hang-vietcombank-100-trieu-mot-thang-lai-bao-nhieu\"><\/span><strong>2. G\u1eedi ng\u00e2n h\u00e0ng Vietcombank 100 tri\u1ec7u m\u1ed9t th\u00e1ng l\u00e3i bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">N\u1ebfu g\u1eedi 100 tri\u1ec7u t\u1ea1i Vietcombank 1 th\u00e1ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 1,6%\/n\u0103m th\u00ec ti\u1ec1n l\u00e3i thu \u0111\u01b0\u1ee3c l\u00e0 (100,000,000 x 1,6%)\/12 x 1= 133,333 \u0111\u1ed3ng.<\/p>\n<figure id=\"attachment_597533\" aria-describedby=\"caption-attachment-597533\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597533\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191839\/lai-suat-ngan-hang-vietcombank-11.jpg\" alt=\"M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191839\/lai-suat-ngan-hang-vietcombank-11.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191839\/lai-suat-ngan-hang-vietcombank-11-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191839\/lai-suat-ngan-hang-vietcombank-11-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597533\" class=\"wp-caption-text\">G\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng Vietcombank<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3-50-trieu-gui-ngan-hang-vietcombank-lai-suat-bao-nhieu\"><\/span><strong>3. 50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng Vietcombank l\u00e3i su\u1ea5t bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">N\u1ebfu g\u1eedi 50 tri\u1ec7u t\u1ea1i Vietcombank theo nhi\u1ec1u k\u1ef3 h\u1ea1n kh\u00e1c nhau th\u00ec m\u1ee9c l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng nh\u01b0 b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>L\u00e3i su\u1ea5t (%\/n\u0103m)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>S\u1ed1 ti\u1ec1n l\u00e3i (VN\u0110)<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">1 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">1,6%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 1,6%)\/12 x 1<\/td>\n<td style=\"text-align: center;\">66,667<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">3 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">1,9%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 1,9%)\/12 x 3<\/td>\n<td style=\"text-align: center;\">237,500<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">6 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">2,9%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 2,9%)\/12 x 6<\/td>\n<td style=\"text-align: center;\">725,000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">9 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">2,9%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 2,9%)\/12 x 9<\/td>\n<td style=\"text-align: center;\">1,087,500<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">12 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">4,6%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 4,6%)\/12 x 12<\/td>\n<td style=\"text-align: center;\">2,300,000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">24 th\u00e1ng<\/td>\n<td style=\"text-align: center;\">4,7%<\/td>\n<td style=\"text-align: center;\">(50,000,000 x 4,7%)\/12 x 24<\/td>\n<td style=\"text-align: center;\">4,700,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4-vay-mua-nha-tai-vietcombank-co-kho-khong\"><\/span><strong>4. Vay mua nh\u00e0 t\u1ea1i Vietcombank c\u00f3 kh\u00f3 kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Vay <a href=\"https:\/\/muaban.net\/bat-dong-san\/ban-nha\" target=\"_blank\" rel=\"noopener\">mua nh\u00e0<\/a> t\u1ea1i Vietcombank kh\u00f4ng qu\u00e1 kh\u00f3, tuy nhi\u00ean kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c c\u1ee7a t\u1eebng g\u00f3i vay. Ngo\u00e0i ra Vietcombank s\u1ebd d\u1ef1a tr\u00ean kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u1ee7a ng\u01b0\u1eddi vay \u0111\u1ec3 duy\u1ec7t c\u00e1c kho\u1ea3n vay cho kh\u00e1ch h\u00e0ng.<\/p>\n<figure id=\"attachment_597534\" aria-describedby=\"caption-attachment-597534\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-597534\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191848\/lai-suat-ngan-hang-vietcombank-12.jpg\" alt=\"M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191848\/lai-suat-ngan-hang-vietcombank-12.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191848\/lai-suat-ngan-hang-vietcombank-12-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191848\/lai-suat-ngan-hang-vietcombank-12-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-597534\" class=\"wp-caption-text\">Vietcombank cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ee9c <a href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-vietcombank-597522\/\" target=\"_blank\" rel=\"noopener\"><strong>l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank<\/strong><\/a> m\u1edbi nh\u1ea5t m\u00e0 <strong>Muaban.net<\/strong> \u0111\u00e3 chia s\u1ebb \u0111\u1ebfn b\u1ea1n \u0111\u1ecdc. Hy v\u1ecdng r\u1eb1ng b\u1ea1n \u0111\u1ecdc s\u1ebd c\u00f3 th\u00eam th\u00f4ng tin h\u1eefu \u00edch \u0111\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i vay hay h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p. \u0110\u1eebng qu\u00ean truy c\u1eadp Muaban.net \u0111\u1ec3 c\u1eadp nh\u1eadt th\u00eam nhi\u1ec1u th\u00f4ng tin m\u1edbi nh\u1ea5t v\u1ec1 l\u00e3i su\u1ea5t, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, phong th\u1ee7y, <a href=\"https:\/\/muaban.net\/bat-dong-san\/ban-nha-dat-chung-cu\" target=\"_blank\" rel=\"noopener\">mua b\u00e1n nh\u00e0 \u0111\u1ea5t<\/a> nh\u00e9.<\/p>\n<p style=\"text-align: right;\"><em>Ngu\u1ed3n tham kh\u1ea3o: T\u1ed5ng h\u1ee3p<\/em><\/p>\n<p><strong>Xem th\u00eam:<\/strong><\/p>\n<div class=\"td_block_wrap tdb_title tdi_95 tdb-single-title td-pb-border-top td_block_template_1\" data-td-block-uid=\"tdi_95\">\n<div class=\"tdb-block-inner td-fix-index\">\n<ul>\n<li><strong><a href=\"https:\/\/muaban.net\/blog\/lai-suat-vay-ngan-hang-shinhan-520468\/\" target=\"_blank\" rel=\"noopener\">L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng Shinhan dao \u0111\u1ed9ng t\u1eeb 6.7%\/n\u0103m<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/muaban.net\/blog\/lai-suat-vay-ngan-hang-vib-520490\/\" target=\"_blank\" rel=\"noopener\">L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng VIB dao \u0111\u1ed9ng t\u1eeb 7.8%\/n\u0103m<\/a><\/strong><\/li>\n<li><strong style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;\"><a href=\"https:\/\/muaban.net\/blog\/lai-suat-vay-ngan-hang-msb-520920\/\" target=\"_blank\" rel=\"noopener\">L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng MSB Bank c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t 2024<\/a><\/strong><\/li>\n<\/ul>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Th\u1eddi gian \u0111\u1ecdc:<\/span> <span class=\"rt-time\"> 10<\/span> <span class=\"rt-label rt-postfix\">ph\u00fat<\/span><\/span>Vietcombank l\u00e0 m\u1ed9t trong b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p. V\u1edbi n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u1eefng m\u1ea1nh c\u00f9ng t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p, Vietcombank li\u00ean t\u1ee5c gi\u1eef v\u1eefng v\u1ecb tr\u00ed top \u0111\u1ea7u v\u1ec1 [&hellip;]<\/p>\n","protected":false},"author":413,"featured_media":597535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ub_ctt_via":"","_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[16],"tags":[],"class_list":{"0":"post-597522","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-nha-dat"},"featured_image_src":"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/16191859\/lai-suat-ngan-hang-vietcombank.jpg","author_info":{"display_name":"L\u00ea Ng\u1ecdc Tr\u00e2m Anh","author_link":"https:\/\/muaban.net\/blog\/tac-gia\/anh-le\/"},"acf":[],"modified_by":"T\u00fa \u0110inh","_links":{"self":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/597522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/users\/413"}],"replies":[{"embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/comments?post=597522"}],"version-history":[{"count":5,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/597522\/revisions"}],"predecessor-version":[{"id":598241,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/597522\/revisions\/598241"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/media\/597535"}],"wp:attachment":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/media?parent=597522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/categories?post=597522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/tags?post=597522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}