{"id":598250,"date":"2025-08-25T09:29:00","date_gmt":"2025-08-25T02:29:00","guid":{"rendered":"https:\/\/muaban.net\/blog\/?p=598250"},"modified":"2025-08-25T09:29:00","modified_gmt":"2025-08-25T02:29:00","slug":"lai-suat-ngan-hang-acb","status":"publish","type":"post","link":"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/","title":{"rendered":"L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB: Chi ti\u1ebft l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 vay v\u1ed1n"},"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\"> 12<\/span> <span class=\"rt-label rt-postfix\">ph\u00fat<\/span><\/span><h2 style=\"text-align: justify;\">ACB l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao v\u1ec1 \u0111\u1ed9 uy t\u00edn v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. V\u1edbi b\u1ec1 d\u00e0y kinh nghi\u1ec7m h\u01a1n 30 n\u0103m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, ACB cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u1ea5t l\u01b0\u1ee3ng cao v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh cho kh\u00e1ch h\u00e0ng. C\u00f9ng <strong>Muaban.net<\/strong> t\u00ecm hi\u1ec3u chi ti\u1ebft h\u01a1n v\u1ec1 <strong>l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB<\/strong> qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/h2>\n<figure id=\"attachment_598253\" aria-describedby=\"caption-attachment-598253\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598253\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181810\/lai-suat-ngan-hang-acb-1.jpg\" alt=\"l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181810\/lai-suat-ngan-hang-acb-1.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181810\/lai-suat-ngan-hang-acb-1-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181810\/lai-suat-ngan-hang-acb-1-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598253\" class=\"wp-caption-text\">ACB l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam<\/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-acb-598250\/#i-lai-suat-gui-tiet-kiem-ngan-hang-acb-moi-nhat-2026\" >I. L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t 2026<\/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-acb-598250\/#1-gui-khong-ky-han\" >1. G\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n<\/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-acb-598250\/#2-gui-co-ky-han\" >2. G\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#3-gui-tiet-kiem-online\" >3. G\u1eedi ti\u1ebft ki\u1ec7m online<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#ii-lai-suat-vay-ngan-hang-acb-moi-nhat-2026\" >II. L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t 2026<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#1-goi-vay-mua-nha-mua-dat\" >1. G\u00f3i vay mua nh\u00e0, mua \u0111\u1ea5t<\/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-acb-598250\/#2-goi-vay-mua-xe\" >2. G\u00f3i vay mua xe<\/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-acb-598250\/#3-goi-vay-tieu-dung\" >3. G\u00f3i vay ti\u00eau d\u00f9ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#4-goi-vay-dau-tu-san-xuat-kinh-doanh\" >4. G\u00f3i vay \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t kinh doanh\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#iii-cach-tinh-lai-suat-ngan-hang-acb\" >III. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#1-cach-tinh-lai-suat-gui-tiet-kiem\" >1. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#a-cach-tinh-lai-suat-co-ky-han-va-khong-ky-han\" >a. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng k\u1ef3 h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#b-cach-tinh-lai-suat-kep\" >b. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t k\u00e9p<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#2-cach-tinh-lai-suat-vay\" >2. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#a-cach-tinh-lai-suat-vay-theo-so-du-no-goc\" >a. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#b-cach-tinh-lai-suat-vay-theo-so-du-no-giam-dan\" >b. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#iv-so-sanh-lai-suat-acb-voi-cac-ngan-hang-khac\" >IV. So s\u00e1nh l\u00e3i su\u1ea5t ACB v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/#v-kinh-nghiem-vay-von-tai-acb-voi-lai-suat-thap-nhat\" >V. Kinh nghi\u1ec7m vay v\u1ed1n t\u1ea1i ACB v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t<\/a><\/li><\/ul><\/nav><\/div>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"i-lai-suat-gui-tiet-kiem-ngan-hang-acb-moi-nhat-2026\"><\/span><strong>I. L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span data-huuid=\"13063845078999653748\">L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng\u00a0ACB hi\u1ec7n nay dao \u0111\u1ed9ng <strong>t\u1eeb 0,5% \u0111\u1ebfn 4,5%\/n\u0103m cho ti\u1ec1n g\u1eedi t\u1ea1i qu\u1ea7y<\/strong>. <\/span><span data-huuid=\"13063845078999653927\">L\u00e3i su\u1ea5t online th\u01b0\u1eddng cao h\u01a1n t\u1ea1i qu\u1ea7y kho\u1ea3ng 0,1 &#8211; 1%. <\/span><span data-huuid=\"13063845078999654106\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i t\u1ea1i ACB.<\/span><\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-gui-khong-ky-han\"><\/span><strong>1. G\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Hi\u1ec7n t\u1ef7 l\u1ec7 l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n t\u1ea1i <a href=\"https:\/\/vi.wikipedia.org\/wiki\/Ng%C3%A2n_h%C3%A0ng_th%C6%B0%C6%A1ng_m%E1%BA%A1i_c%E1%BB%95_ph%E1%BA%A7n_%C3%81_Ch%C3%A2u\" target=\"_blank\" rel=\"nofollow noopener\">ng\u00e2n h\u00e0ng ACB<\/a> l\u00e0 0,01%, \u00e1p d\u1ee5ng v\u1edbi m\u1ecdi m\u1ee9c ti\u1ec1n trong t\u00e0i kho\u1ea3n v\u00e0 ti\u1ec1n l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt trong t\u00e0i kho\u1ea3n v\u00e0o cu\u1ed1i ng\u00e0y. C\u1ee5 th\u1ec3:<\/p>\n<table style=\"width: 100%; height: 32px;\">\n<tbody>\n<tr style=\"height: 10px;\">\n<td style=\"height: 22px;\" rowspan=\"2\"><strong>S\u1ed1 d\u01b0 cu\u1ed1i ng\u00e0y (tri\u1ec7u VND)<\/strong><\/td>\n<td style=\"height: 22px;\" rowspan=\"2\"><strong>USD<\/strong><\/td>\n<td style=\"height: 10px; text-align: center;\" colspan=\"2\"><strong>VND<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 12px;\">\n<td style=\"height: 12px;\" colspan=\"2\"><strong>T\u00e0i kho\u1ea3n thanh to\u00e1n\/ti\u1ebft ki\u1ec7m KKH<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 10px;\">\n<td style=\"height: 10px;\" rowspan=\"4\">T\u1ea5t c\u1ea3 m\u1ee9c ti\u1ec1n<\/td>\n<td style=\"text-align: center; height: 10px;\" rowspan=\"4\">0,00<\/td>\n<td style=\"text-align: center; height: 10px;\" colspan=\"2\" rowspan=\"4\">0,01<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-gui-co-ky-han\"><\/span><strong>2. G\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">\u0110\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n th\u00ec t\u00f9y v\u00e0o th\u1eddi \u0111i\u1ec3m g\u1eedi, th\u1eddi gian g\u1eedi, s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n m\u00e0 l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 kh\u00e1c nhau. C\u1ee5 th\u1ec3:<\/p>\n<ul>\n<li><strong>Ti\u1ebft ki\u1ec7m truy\u1ec1n th\u1ed1ng\/ Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/strong><\/li>\n<\/ul>\n<table style=\"width: 100%; height: 794px;\">\n<tbody>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\"><strong>L\u00e3i cu\u1ed1i k\u1ef3<\/strong><\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><strong>L\u00e3i qu\u00fd<\/strong><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\"><strong>L\u00e3i th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><strong>L\u00e3i tr\u1ea3 tr\u01b0\u1edbc<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>1-3 tu\u1ea7n<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">0,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>1 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">2,30<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\">2,25<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>2 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">2,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">2,45<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\">2,40<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>3 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">2,70<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">2,65<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\">2,60<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>4 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">2,90<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>5 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">3,10<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>6 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">3,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">3,45<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\">3,40<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>9 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">3,70<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">3,65<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>12 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">4,40<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\">4,30<\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">4,25<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\">4,20<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>13 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">4,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">4,35<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 52px;\"><strong>15 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 52px;\">4,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 52px;\">4,40<\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 52px;\">4,35<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 52px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 56px;\"><strong>18 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 56px;\">4,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 56px;\">4,35<\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 56px;\">4,30<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 56px;\"><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 55px;\"><strong>24 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 55px;\">4,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 55px;\">4,30<\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 55px;\">4,25<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 55px;\"><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"text-align: center; width: 17.0977%; height: 59px;\"><strong>36 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 20.977%; height: 59px;\">4,50<\/td>\n<td style=\"text-align: center; width: 19.8276%; height: 59px;\"><\/td>\n<td style=\"text-align: center; width: 19.9713%; height: 59px;\">4,15<\/td>\n<td style=\"text-align: center; width: 20.1149%; height: 59px;\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><strong>Ti\u1ebft ki\u1ec7m Ph\u00fac An L\u1ed9c &#8211; T\u00edch l\u0169y t\u01b0\u01a1ng lai<\/strong><\/li>\n<\/ul>\n<table style=\"width: 97.9885%;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\" rowspan=\"2\"><strong>K\u1ef3 h\u1ea1n<\/strong><\/td>\n<td style=\"text-align: center; width: 51.1731%;\" colspan=\"3\"><strong>Ti\u1ebft ki\u1ec7m Ph\u00fac An L\u1ed9c<\/strong><\/td>\n<td style=\"text-align: center; width: 29.6188%;\" rowspan=\"2\"><strong>T\u00edch l\u0169y t\u01b0\u01a1ng lai<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 18.915%;\"><strong>L\u00e3i cu\u1ed1i k\u1ef3<\/strong><\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><strong>L\u00e3i qu\u00fd<\/strong><\/td>\n<td style=\"text-align: center; width: 16.2757%;\"><strong>L\u00e3i th\u00e1ng<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>1 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\">2,70<\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><\/td>\n<td style=\"text-align: center; width: 16.2757%;\"><\/td>\n<td style=\"text-align: center; width: 29.6188%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>3 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\">3,10<\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><\/td>\n<td style=\"text-align: center; width: 16.2757%;\">3,05<\/td>\n<td style=\"text-align: center; width: 29.6188%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>6 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\">3,70<\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><\/td>\n<td style=\"text-align: center; width: 16.2757%;\">3,65<\/td>\n<td style=\"text-align: center; width: 29.6188%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>12 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\">4,60<\/td>\n<td style=\"text-align: center; width: 15.9824%;\">4,50<\/td>\n<td style=\"text-align: center; width: 16.2757%;\">4,45<\/td>\n<td style=\"text-align: center; width: 29.6188%;\">4,40<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>18 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\">4,70<\/td>\n<td style=\"text-align: center; width: 15.9824%;\">4,55<\/td>\n<td style=\"text-align: center; width: 16.2757%;\">4,50<\/td>\n<td style=\"text-align: center; width: 29.6188%;\">4,50<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>24 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\"><\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><\/td>\n<td style=\"text-align: center; width: 16.2757%;\"><\/td>\n<td style=\"text-align: center; width: 29.6188%;\">4,50<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.8622%;\"><strong>36 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 18.915%;\"><\/td>\n<td style=\"text-align: center; width: 15.9824%;\"><\/td>\n<td style=\"text-align: center; width: 16.2757%;\"><\/td>\n<td style=\"text-align: center; width: 29.6188%;\">4,50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">Ngo\u00e0i ra kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u00e3i su\u1ea5t th\u01b0\u1edfng b\u1eadc thang t\u1eeb ti\u1ec1n g\u1eedi\/ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n VND (kh\u00f4ng \u00e1p d\u1ee5ng ti\u1ec1n g\u1eedi t\u00edch l\u0169y) nh\u01b0 sau:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>M\u1ee9c g\u1eedi (tri\u1ec7u VND)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>200 \u2013 &lt; 1 t\u1ef7<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>1 t\u1ef7 \u2013 &lt;5 t\u1ef7<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2265 5 t\u1ef7<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">K\u1ef3 h\u1ea1n 1 Th\u00e1ng \u2013 36 Th\u00e1ng<\/td>\n<td style=\"text-align: center;\">0,10<\/td>\n<td style=\"text-align: center;\">0,15<\/td>\n<td style=\"text-align: center;\">0,20<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Tu\u00e2n th\u1ee7 tr\u1ea7n l\u00e3i su\u1ea5t NHNN \u0111\u1ed1i v\u1edbi c\u00e1c k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng t\u1ed1i \u0111a 4,75%\/n\u0103m L\u00e3i cu\u1ed1i k\u1ef3, 4,70%\/n\u0103m L\u00e3i th\u00e1ng.<\/li>\n<li>Kh\u00f4ng \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t th\u01b0\u1edfng \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi truy\u1ec1n th\u1ed1ng k\u1ef3 h\u1ea1n 13 th\u00e1ng, ti\u1ec1n g\u1eedi t\u00edch l\u0169y.<\/li>\n<\/ul>\n<figure id=\"attachment_598255\" aria-describedby=\"caption-attachment-598255\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598255\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181839\/lai-suat-ngan-hang-acb-3.jpg\" alt=\"L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181839\/lai-suat-ngan-hang-acb-3.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181839\/lai-suat-ngan-hang-acb-3-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181839\/lai-suat-ngan-hang-acb-3-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598255\" class=\"wp-caption-text\">T\u00f9y v\u00e0o th\u1eddi \u0111i\u1ec3m g\u1eedi, th\u1eddi gian g\u1eedi, s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0 lo\u1ea1i t\u00e0i kho\u1ea3n m\u00e0 l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 kh\u00e1c nhau<\/figcaption><\/figure>\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\/lai-suat-ngan-hang-vietcombank-597522\/\" target=\"_blank\" rel=\"noopener\">L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank h\u00f4m nay: C\u1eadp nh\u1eadt chi ti\u1ebft<\/a><\/strong><\/p>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3-gui-tiet-kiem-online\"><\/span><strong>3. G\u1eedi ti\u1ebft ki\u1ec7m online<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">B\u00ean c\u1ea1nh h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i qu\u1ea7y, kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m online th\u00f4ng qua c\u1ed5ng d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn c\u1ee7a ng\u00e2n h\u00e0ng. S\u1ed1 ti\u1ec1n l\u00e3i s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o s\u1ed1 ti\u1ec1n g\u1eedi v\u00e0 k\u1ef3 h\u1ea1n g\u1eedi, t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi g\u1eedi s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn l\u00e3i v\u00e0o cu\u1ed1i k\u1ef3 g\u1eedi.<\/p>\n<p style=\"text-align: justify;\">B\u1ea3ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m online t\u1ea1i ng\u00e2n h\u00e0ng ACB nh\u01b0 sau:<\/p>\n<table style=\"width: 100%; height: 364px;\">\n<tbody>\n<tr style=\"height: 52px;\">\n<td style=\"text-align: center; height: 52px; width: 20.546%;\"><strong>M\u1ee9c g\u1eedi\/ TK<\/strong><\/td>\n<td style=\"text-align: center; height: 52px; width: 76.4368%;\" colspan=\"7\"><strong>Ti\u1ec1n g\u1eedi Online<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 78px;\">\n<td style=\"text-align: center; height: 78px; width: 20.546%;\">(tri\u1ec7u VND)<\/td>\n<td style=\"text-align: center; height: 78px; width: 11.3506%;\"><strong>1 \u2013 3 tu\u1ea7n<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 10.6322%;\"><strong>1 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 10.6322%;\"><strong>2 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 10.6322%;\"><strong>3 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 10.6322%;\"><strong>6 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 10.6322%;\"><strong>9 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; height: 78px; width: 11.9253%;\"><strong>12 th\u00e1ng<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"height: 52px; text-align: center; width: 20.546%;\"><strong>&lt; 200<\/strong><\/td>\n<td style=\"height: 234px; text-align: center; width: 11.3506%;\" rowspan=\"4\">0,50<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,10<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,20<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,50<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,20<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,30<\/td>\n<td style=\"height: 52px; text-align: center; width: 11.9253%;\">4,90<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"height: 52px; text-align: center; width: 20.546%;\"><strong>200 \u2013 &lt; 1.000<\/strong><\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,20<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,30<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,60<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,30<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,40<\/td>\n<td style=\"height: 52px; text-align: center; width: 11.9253%;\">5,00<\/td>\n<\/tr>\n<tr style=\"height: 78px;\">\n<td style=\"height: 78px; text-align: center; width: 20.546%;\"><strong>1.000 &#8211; &lt; 5.000<\/strong><\/td>\n<td style=\"height: 78px; text-align: center; width: 10.6322%;\">3,25<\/td>\n<td style=\"height: 78px; text-align: center; width: 10.6322%;\">3,35<\/td>\n<td style=\"height: 78px; text-align: center; width: 10.6322%;\">3,65<\/td>\n<td style=\"height: 78px; text-align: center; width: 10.6322%;\">4,35<\/td>\n<td style=\"height: 78px; text-align: center; width: 10.6322%;\">4,45<\/td>\n<td style=\"height: 78px; text-align: center; width: 11.9253%;\">5,05<\/td>\n<\/tr>\n<tr style=\"height: 52px;\">\n<td style=\"height: 52px; text-align: center; width: 20.546%;\"><strong>&gt;= 5.000<\/strong><\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,30<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,40<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">3,70<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,40<\/td>\n<td style=\"height: 52px; text-align: center; width: 10.6322%;\">4,50<\/td>\n<td style=\"height: 52px; text-align: center; width: 11.9253%;\">5,10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_598260\" aria-describedby=\"caption-attachment-598260\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598260\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181945\/lai-suat-ngan-hang-acb-8.jpg\" alt=\"L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181945\/lai-suat-ngan-hang-acb-8.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181945\/lai-suat-ngan-hang-acb-8-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181945\/lai-suat-ngan-hang-acb-8-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598260\" class=\"wp-caption-text\">Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m online th\u00f4ng qua c\u1ed5ng d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn c\u1ee7a ng\u00e2n h\u00e0ng<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"ii-lai-suat-vay-ngan-hang-acb-moi-nhat-2026\"><\/span><strong>II. L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ngo\u00e0i l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i cho c\u00e1c h\u00ecnh th\u1ee9c g\u1eedi ti\u1ebft ki\u1ec7m, ACB c\u00f2n cung c\u1ea5p nhi\u1ec1u g\u00f3i vay v\u1ed1n v\u1edbi t\u1ef7 l\u1ec7 l\u00e3i su\u1ea5t kh\u00e1c nhau \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n c\u1ee7a c\u00e1c kho\u1ea3n vay m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n trong k\u1ef3 th\u00e1ng 06\/2026:<\/p>\n<table style=\"width: 100%; height: 52px;\">\n<tbody>\n<tr style=\"height: 26px;\">\n<td style=\"height: 26px;\"><strong>L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n<\/strong><\/td>\n<td style=\"height: 26px;\">6,42%\/n\u0103m<\/td>\n<\/tr>\n<tr style=\"height: 26px;\">\n<td style=\"height: 26px;\"><strong>Ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 cho vay b\u00ecnh qu\u00e2n<\/strong><\/td>\n<td style=\"height: 26px;\">2,40%\/n\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n t\u1ea1i ACB \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00e1 \u01b0u \u0111\u00e3i so v\u1edbi nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00e1c. H\u01a1n n\u1eefa ng\u00e2n h\u00e0ng ACB c\u0169ng cung c\u1ea5p nhi\u1ec1u g\u00f3i vay \u01b0u \u0111\u00e3i, \u0111\u00e1p \u1ee9ng \u0111a d\u1ea1ng nhu c\u1ea7u vay v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ebfu c\u00f3 nhu c\u1ea7u vay v\u1ed1n, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tham kh\u1ea3o m\u1ed9t s\u1ed1 g\u00f3i vay \u01b0u \u0111\u00e3i t\u1ea1i ng\u00e2n h\u00e0ng ACB nh\u01b0 sau:<\/p>\n<h4><span class=\"ez-toc-section\" id=\"1-goi-vay-mua-nha-mua-dat\"><\/span><strong>1. G\u00f3i vay mua nh\u00e0, mua \u0111\u1ea5t<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng vay: Kh\u00e1ch h\u00e0ng \u0111ang c\u00f3 nhu c\u1ea7u mua chung c\u01b0, mua \u0111\u1ea5t, mua nh\u00e0 m\u1eb7t \u0111\u1ea5t<\/li>\n<li>Gi\u00e1 tr\u1ecb vay: l\u00ean \u0111\u1ebfn 80% gi\u00e1 tr\u1ecb ng\u00f4i nh\u00e0<\/li>\n<li>L\u00e3i su\u1ea5t:\n<ul>\n<li>8,5%\/n\u0103m trong 3 th\u00e1ng \u0111\u1ea7u ti\u00ean<\/li>\n<li>9%\/n\u0103m trong 6 th\u00e1ng \u0111\u1ea7u ti\u00ean<\/li>\n<li>9,5%\/n\u0103m trong 12 th\u00e1ng \u0111\u1ea7u ti\u00ean<\/li>\n<li>Sau \u0111\u00f3 s\u1ebd t\u00ednh ti\u1ec1n l\u00e3i theo l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i tr\u00ean th\u1ecb tr\u01b0\u1eddng<\/li>\n<\/ul>\n<\/li>\n<li>Th\u1eddi gian vay v\u1ed1n: t\u1ed1i \u0111a 25 n\u0103m<\/li>\n<li>\u00c2n h\u1ea1n tr\u1ea3 v\u1ed1n vay: t\u1ed1i \u0111a 12 th\u00e1ng<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n: tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng ho\u1eb7c tr\u1ea3 v\u1ed1n \u0111\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng ho\u1eb7c 6 th\u00e1ng m\u1ed9t l\u1ea7n theo h\u00ecnh th\u1ee9c g\u00f3p \u0111\u1ec1u, ho\u1eb7c g\u00f3p b\u1eadc thang (t\u0103ng 10 -20%\/n\u0103m)<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"2-goi-vay-mua-xe\"><\/span><strong>2. G\u00f3i vay mua xe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng: Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n\/doanh nghi\u1ec7p c\u00f3 nhu c\u1ea7u mua xe \u00f4 t\u00f4<\/li>\n<li>Gi\u00e1 tr\u1ecb vay:\u00a0l\u00ean \u0111\u1ebfn 90% ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n<\/li>\n<li>L\u00e3i su\u1ea5t: 8.50% \u2013 14.50%\/n\u0103m<\/li>\n<li>Th\u1eddi h\u1ea1n vay:\n<ul>\n<li>Th\u1ebf ch\u1ea5p ch\u00ednh xe mua: l\u00ean \u0111\u1ebfn 6 n\u0103m<\/li>\n<li>Th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ea5t: l\u00ean \u0111\u1ebfn 7 n\u0103m<\/li>\n<\/ul>\n<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i: D\u01b0 n\u1ee3 g\u1ed1c\/ D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 linh ho\u1ea1t: L\u00e3i tr\u1ea3 h\u00e0ng th\u00e1ng ho\u1eb7c h\u00e0ng qu\u00fd; v\u1ed1n tr\u1ea3 g\u00f3p \u0111\u1ec1u ho\u1eb7c theo b\u1eadc thang<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"3-goi-vay-tieu-dung\"><\/span><strong>3. G\u00f3i vay ti\u00eau d\u00f9ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li><strong>Vay t\u00edn ch\u1ea5p:<\/strong>\n<ul>\n<li>L\u00e3i su\u1ea5t: 22%\/n\u0103m<\/li>\n<li>H\u1ea1n m\u1ee9c vay: l\u00ean \u0111\u1ebfn 15 l\u1ea7n thu nh\u1eadp (t\u1ed1i \u0111a 500 tri\u1ec7u \u0111\u1ed3ng)<\/li>\n<li>Th\u1eddi gian vay: linh ho\u1ea1t t\u1eeb 12 th\u00e1ng \u0111\u1ebfn 5 n\u0103m<\/li>\n<li>T\u1eb7ng b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi vay (b\u1ea3o hi\u1ec3m Pr\u00e9voir)<\/li>\n<\/ul>\n<\/li>\n<li><strong>Vay th\u1ebf ch\u1ea5p:<\/strong>\n<ul>\n<li>\u0110\u01b0\u1ee3c vay s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n<\/li>\n<li>Th\u1eddi h\u1ea1n vay: t\u1ed1i \u0111a 7 n\u0103m<\/li>\n<li>L\u00e3i su\u1ea5t: ch\u1ec9 t\u1eeb 7,8%\/n\u0103m<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i: D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 linh ho\u1ea1t: L\u00e3i tr\u1ea3 h\u00e0ng th\u00e1ng\/h\u00e0ng qu\u00fd; v\u1ed1n tr\u1ea3 theo ph\u01b0\u01a1ng th\u1ee9c v\u1ed1n g\u00f3p \u0111\u1ec1u ho\u1eb7c v\u1ed1n g\u00f3p b\u1eadc thang theo \u0111\u1ecbnh k\u1ef3 \u2264 6 th\u00e1ng<\/li>\n<\/ul>\n<\/li>\n<li id=\"h2-4\" dir=\"ltr\"><strong>\u00a0Vay c\u1ea7m c\u1ed1 th\u1ebb ti\u1ebft ki\u1ec7m, gi\u1ea5y t\u1edd c\u00f3 gi\u00e1:<\/strong>\n<ul>\n<li id=\"h2-4\" dir=\"ltr\">\u0110\u1ed1i t\u01b0\u1ee3ng vay: c\u00f4ng d\u00e2n Vi\u1ec7t Nam ho\u1eb7c c\u00e1 nh\u00e2n c\u00f3 qu\u1ed1c t\u1ecbch n\u01b0\u1edbc ngo\u00e0i t\u1eeb 18 tu\u1ed5i tr\u1edf l\u00ean<\/li>\n<li>S\u1edf h\u1eefu h\u1ee3p ph\u00e1p th\u1ebb ti\u1ebft ki\u1ec7m ho\u1eb7c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 do ACB ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c ph\u00e1t h\u00e0nh v\u00e0 \u0111\u01b0\u1ee3c ACB ch\u1ea5p nh\u1eadn<\/li>\n<li>L\u00e3i su\u1ea5t: t\u1eeb 9,2% &#8211; 9,8%\/n\u0103m<\/li>\n<li>H\u1ea1n m\u1ee9c vay: l\u00ean \u0111\u1ebfn 100% gi\u00e1 tr\u1ecb th\u1ebb ti\u1ebft ki\u1ec7m ho\u1eb7c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1<\/li>\n<li>Th\u1eddi gian vay: linh ho\u1ea1t t\u1ed1i \u0111a 7 n\u0103m<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 linh ho\u1ea1t: Tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng, h\u00e0ng qu\u00fd, ho\u1eb7c t\u1ea5t to\u00e1n cu\u1ed1i k\u1ef3 (kh\u00f4ng qu\u00e1 6 th\u00e1ng\/l\u1ea7n)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"4-goi-vay-dau-tu-san-xuat-kinh-doanh\"><\/span><strong>4. G\u00f3i vay \u0111\u1ea7u t\u01b0 s\u1ea3n xu\u1ea5t kinh doanh\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng vay: Ch\u1ee7 c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh, ch\u1ee7 doanh nghi\u1ec7p t\u01b0 nh\u00e2n&#8230;<\/li>\n<li>L\u00e3i su\u1ea5t: kho\u1ea3ng 9,8%\/ n\u0103m<\/li>\n<li>S\u1ed1 ti\u1ec1n cho vay: l\u00ean \u0111\u1ebfn 8 t\u1ef7 \u0111\u1ed3ng<\/li>\n<li>Th\u1eddi h\u1ea1n cho vay: l\u00ean \u0111\u1ebfn 10 n\u0103m<\/li>\n<li>Th\u1eddi gian \u00e2n h\u1ea1n v\u1ed1n: 12 th\u00e1ng<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3 linh ho\u1ea1t:\n<ul>\n<li>L\u00e3i tr\u1ea3 h\u00e0ng th\u00e1ng ho\u1eb7c h\u00e0ng qu\u00fd<\/li>\n<li>V\u1ed1n g\u1ed1c tr\u1ea3 n\u1ee3 linh ho\u1ea1t: s\u1ed1 ti\u1ec1n tr\u1ea3 g\u1ed1c th\u1ea5p trong nh\u1eefng n\u0103m \u0111\u1ea7u v\u00e0 t\u0103ng d\u1ea7n trong c\u00e1c n\u0103m ti\u1ebfp theo.<\/li>\n<li>V\u1ed1n g\u1ed1c tr\u1ea3 \u0111\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng ho\u1eb7c t\u1ed1i \u0111a 12 th\u00e1ng\/l\u1ea7n.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t vay tham kh\u1ea3o, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ebfn tr\u1ef1c ti\u1ebfp chi nh\u00e1nh ng\u00e2n h\u00e0ng ACB \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n r\u00f5 h\u01a1n v\u1ec1 c\u00e1c kho\u1ea3n vay v\u00e0 l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i c\u1ee7a t\u1eebng g\u00f3i vay nh\u00e9.<\/p>\n<figure id=\"attachment_598257\" aria-describedby=\"caption-attachment-598257\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598257\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181905\/lai-suat-ngan-hang-acb-5.jpg\" alt=\"L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng ACB m\u1edbi nh\u1ea5t\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181905\/lai-suat-ngan-hang-acb-5.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181905\/lai-suat-ngan-hang-acb-5-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181905\/lai-suat-ngan-hang-acb-5-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598257\" class=\"wp-caption-text\">ACB cung c\u1ea5p nhi\u1ec1u g\u00f3i vay v\u1ed1n v\u1edbi t\u1ef7 l\u1ec7 l\u00e3i su\u1ea5t kh\u00e1c nhau<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"iii-cach-tinh-lai-suat-ngan-hang-acb\"><\/span><strong>III. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB \u0111\u01a1n gi\u1ea3n m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u1ef1 t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e3i h\u00e0ng th\u00e1ng ho\u1eb7c l\u00e3i \u0111\u00e1o h\u1ea1n d\u1ef1a theo l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng:<\/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<h5><span class=\"ez-toc-section\" id=\"a-cach-tinh-lai-suat-co-ky-han-va-khong-ky-han\"><\/span><strong>a. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng k\u1ef3 h\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p style=\"text-align: justify;\"><strong>C\u00f4ng th\u1ee9c:\u00a0<span style=\"color: #ff6600;\">Ti\u1ec1n l\u00e3i = S\u1ed1 ti\u1ec1n g\u1eedi * l\u00e3i su\u1ea5t (%\/n\u0103m) * (s\u1ed1 ng\u00e0y g\u1eedi\/365)<\/span><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>V\u00ed d\u1ee5:<\/strong> G\u1eedi 100.000.000 VND t\u1ea1i ng\u00e2n h\u00e0ng ACB v\u1edbi k\u1ef3 h\u1ea1n 12 th\u00e1ng v\u00e0 nh\u1eadn cu\u1ed1i k\u1ef3 v\u1edbi l\u00e3i su\u1ea5t l\u00e0 4,4% th\u00ec ti\u1ec1n l\u00e3i nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 100.000.000 * 4,4% * (365\/365) = 4.400.000 VND<\/p>\n<h5><span class=\"ez-toc-section\" id=\"b-cach-tinh-lai-suat-kep\"><\/span><strong>b. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t k\u00e9p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p style=\"text-align: justify;\"><strong>C\u00f4ng th\u1ee9c: <\/strong><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ff6600;\"><strong><em>Ti\u1ec1n l\u00e3i = S\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u(1 + l\u00e3i su\u1ea5t (%\/n\u0103m)\/s\u1ed1 k\u1ef3 l\u00e3i \u0111\u01b0\u1ee3c t\u00ednh trong n\u0103m)^(s\u1ed1 k\u1ef3 l\u00e3i \u0111\u01b0\u1ee3c t\u00ednh trong n\u0103m * s\u1ed1 n\u0103m g\u1eedi)<\/em><\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><strong>V\u00ed d\u1ee5:<\/strong> G\u1eedi 100.000.000 t\u1ea1i ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t 4,4%\/n\u0103m trong th\u1eddi gian 5 n\u0103m th\u00ec s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0: 100.000.000 x (1 + 4,4%\/1) ^ (1 x 5) = 123.880.000 VND. Nh\u01b0 v\u1eady ti\u1ec1n l\u00e3i ti\u1ebft ki\u1ec7m h\u01b0\u1edfng l\u00e3i su\u1ea5t k\u00e9p kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c sau 5 n\u0103m l\u00e0 23.880.000 VND.<\/p>\n<figure id=\"attachment_598258\" aria-describedby=\"caption-attachment-598258\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598258\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181919\/lai-suat-ngan-hang-acb-6.jpg\" alt=\"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181919\/lai-suat-ngan-hang-acb-6.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181919\/lai-suat-ngan-hang-acb-6-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181919\/lai-suat-ngan-hang-acb-6-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598258\" class=\"wp-caption-text\">Kh\u00e1ch h\u00e0ng giao d\u1ecbch t\u1ea1i ng\u00e2n h\u00e0ng ACB<\/figcaption><\/figure>\n<h4 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-cach-tinh-lai-suat-vay\"><\/span><strong>2. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify;\">Ng\u00e2n h\u00e0ng ACB hi\u1ec7n \u0111ang \u00e1p d\u1ee5ng 2 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay \u0111\u00f3 l\u00e0 l\u00e3i vay theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i vay theo s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n.<\/p>\n<h5 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"a-cach-tinh-lai-suat-vay-theo-so-du-no-goc\"><\/span><strong>a. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p style=\"text-align: left;\"><strong>C\u00f4ng th\u1ee9c:\u00a0<\/strong><span style=\"color: #ff6600;\"><strong><em>Ti\u1ec1n l\u00e3i h\u1eb1ng th\u00e1ng = D\u01b0 n\u1ee3 g\u1ed1c x L\u00e3i su\u1ea5t vay\/Th\u1eddi gian vay<\/em><\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><strong>L\u01b0u \u00fd:<\/strong> ti\u1ec1n l\u00e3i c\u1ee7a m\u1ed7i k\u1ef3 tr\u1ea3 l\u00e3i s\u1ebd b\u1eb1ng nhau trong to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh vay v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a theo s\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u.<\/p>\n<p style=\"text-align: justify;\"><strong>V\u00ed d\u1ee5:<\/strong> B\u1ea1n vay ng\u00e2n h\u00e0ng ACB 100.000.000 tri\u1ec7u, l\u00e3i su\u1ea5t 6%\/n\u0103m trong 12 th\u00e1ng. Khi \u0111\u00f3, s\u1ed1 ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n g\u1ed1c ph\u1ea3i tr\u1ea3 theo s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c 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: 100.000.000 \/ 12 = 8.333.333 \u0111\u1ed3ng<\/li>\n<li>S\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng: (100.000.000 x 6%) \/ 12 = 500.000 \u0111\u1ed3ng<\/li>\n<li>S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0: 8.833.333 \u0111\u1ed3ng<\/li>\n<\/ul>\n<h5><span class=\"ez-toc-section\" id=\"b-cach-tinh-lai-suat-vay-theo-so-du-no-giam-dan\"><\/span><strong>b. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay theo s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p style=\"text-align: justify;\"><strong>C\u00f4ng th\u1ee9c:\u00a0<\/strong><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ff6600;\"><strong><em>Ti\u1ec1n g\u1ed1c h\u1eb1ng th\u00e1ng = S\u1ed1 ti\u1ec1n vay\/S\u1ed1 th\u00e1ng vay<\/em><\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ff6600;\"><strong><em>Ti\u1ec1n l\u00e3i th\u00e1ng \u0111\u1ea7u = S\u1ed1 ti\u1ec1n vay x L\u00e3i su\u1ea5t vay theo th\u00e1ng<\/em><\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ff6600;\"><strong><em>Ti\u1ec1n l\u00e3i c\u00e1c th\u00e1ng ti\u1ebfp theo = S\u1ed1 ti\u1ec1n g\u1ed1c c\u00f2n l\u1ea1i x L\u00e3i su\u1ea5t vay\u00a0<\/em><\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><strong>L\u01b0u \u00fd:<\/strong> Ti\u1ec1n l\u00e3i s\u1ebd d\u1ef1a tr\u00ean 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 ng\u01b0\u1eddi vay \u0111\u00e3 tr\u1ea3 trong nh\u1eefng th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3. S\u1ed1 s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n th\u00ec ti\u1ec1n l\u00e3i m\u00e0 ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 c\u0169ng s\u1ebd gi\u1ea3m d\u1ea7n.<\/p>\n<p style=\"text-align: justify;\"><strong>V\u00ed d\u1ee5:<\/strong> V\u1edbi kho\u1ea3n vay 100.000.000 VND, l\u00e3i su\u1ea5t 6%\/n\u0103m trong 12 th\u00e1ng th\u00ec s\u1ed1 ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n g\u1ed1c ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng t\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n l\u00e0:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Ti\u1ec1n g\u1ed1c tr\u1ea3 h\u00e0ng th\u00e1ng = 100.000.000 \/ 12 = 8.333.333 \u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng \u0111\u1ea7u = (100.000.000 x 6%) \/ 12 = 500.000 \u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng th\u1ee9 2 = (100.000.000 \u2013 8.333.333) x 6% \/ 12 = 458.333 \u0111\u1ed3ng<\/li>\n<li>Ti\u1ec1n l\u00e3i th\u00e1ng th\u1ee9 3 = (100.000.000 \u2013 8.333.333 \u2013 8.333.333) x 6% \/ 12 = 416.666 \u0111\u1ed3ng<\/li>\n<li>C\u00e1c th\u00e1ng ti\u1ebfp theo t\u00ednh t\u01b0\u01a1ng t\u1ef1 \u0111\u1ebfn khi tr\u1ea3 h\u1ebft n\u1ee3<\/li>\n<\/ul>\n<figure id=\"attachment_598259\" aria-describedby=\"caption-attachment-598259\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598259\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181931\/lai-suat-ngan-hang-acb-7.jpg\" alt=\"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181931\/lai-suat-ngan-hang-acb-7.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181931\/lai-suat-ngan-hang-acb-7-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181931\/lai-suat-ngan-hang-acb-7-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598259\" class=\"wp-caption-text\">Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng c\u00e1c d\u1ecbch v\u1ee5 t\u1ea1i ng\u00e2n h\u00e0ng<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"iv-so-sanh-lai-suat-acb-voi-cac-ngan-hang-khac\"><\/span><strong>IV. So s\u00e1nh l\u00e3i su\u1ea5t ACB v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">ACB \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh, kh\u1ea3 n\u0103ng sinh l\u1eddi v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t tr\u1ed9i. Hi\u1ec7n ACB c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p th\u1ee9 4 v\u00e0 t\u1ef7 l\u1ec7 bao ph\u1ee7 n\u1ee3 x\u1ea5u cao th\u1ee9 4 so v\u1edbi to\u00e0n ng\u00e0nh. H\u01a1n h\u1ebft l\u00e3i su\u1ea5t t\u1ea1i ACB c\u0169ng \u0111\u01b0\u1ee3c xem l\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng thu\u1ed9c nh\u00f3m Big 4 v\u00e0 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng ACB so v\u1edbi to\u00e0n ng\u00e0nh:<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>L\u00e3i su\u1ea5t ACB so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng thu\u1ed9c nh\u00f3m Big 4:<\/strong><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Ng\u00e2n h\u00e0ng<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>01 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>03 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>06 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>09 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>12 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>18 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>24 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>36 th\u00e1ng<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>ACB<\/strong><\/td>\n<td>2.30%<\/td>\n<td>2.70%<\/td>\n<td>3.50%<\/td>\n<td>3.70%<\/td>\n<td>4.40%<\/td>\n<td>4.50%<\/td>\n<td>4.50%<\/td>\n<td>4.50%<\/td>\n<\/tr>\n<tr>\n<td><strong>Agribank<\/strong><\/td>\n<td>2.10%<\/td>\n<td>2.40%<\/td>\n<td>3.50%<\/td>\n<td>3.50%<\/td>\n<td>4.70%<\/td>\n<td>4.70%<\/td>\n<td>4.80%<\/td>\n<td>\u2013<\/td>\n<\/tr>\n<tr>\n<td><strong>BIDV<\/strong><\/td>\n<td>1.70%<\/td>\n<td>2.00%<\/td>\n<td>3.00%<\/td>\n<td>3.00%<\/td>\n<td>4.70%<\/td>\n<td>4.70%<\/td>\n<td>4.70%<\/td>\n<td>4.70%<\/td>\n<\/tr>\n<tr>\n<td><strong>Vietcombank<\/strong><\/td>\n<td>1,60%<\/td>\n<td>1,90%<\/td>\n<td>2,90%<\/td>\n<td>2,90%<\/td>\n<td>4,60%<\/td>\n<td>\u2013<\/td>\n<td>4,70%<\/td>\n<td>4,70%<\/td>\n<\/tr>\n<tr>\n<td><strong>VietinBank<\/strong><\/td>\n<td>1,60%<\/td>\n<td>1,90%<\/td>\n<td>3,00%<\/td>\n<td>3,00%<\/td>\n<td>4,70%<\/td>\n<td>4,70%<\/td>\n<td>4,80%<\/td>\n<td>4,80%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul style=\"text-align: justify;\">So v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng trong nh\u00f3m Big 4, ng\u00e2n h\u00e0ng ACB c\u00f3 \u01b0u th\u1ebf v\u1ec1 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m k\u1ef3 h\u1ea1n ng\u1eafn t\u1eeb 1-9 th\u00e1ng, m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n t\u1eeb 0,6-0,8%. Ri\u00eang v\u1edbi k\u1ef3 h\u1ea1n d\u00e0i t\u1eeb 12-36 th\u00e1ng th\u00ec l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m l\u1ea1i c\u00f3 ph\u1ea7n th\u1ea5p h\u01a1n, dao \u0111\u1ed9ng t\u1eeb 0,2-0,3%. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc nhu c\u1ea7u v\u1ec1 d\u00f2ng ti\u1ec1n trong ng\u1eafn h\u1ea1n hay d\u00e0i h\u1ea1n \u0111\u1ec3 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p.<\/ul>\n<ul style=\"text-align: justify;\">\n<li><strong>L\u00e3i su\u1ea5t ACB so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n kh\u00e1c:<\/strong><\/li>\n<\/ul>\n<table style=\"width: 101.189%;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 19.0612%;\"><strong>Ng\u00e2n h\u00e0ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>01 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>03 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>06 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>09 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>12 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>18 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>24 th\u00e1ng<\/strong><\/td>\n<td style=\"text-align: center; width: 9.67283%;\"><strong>36 th\u00e1ng<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>ACB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">2.30%<\/td>\n<td style=\"width: 9.67283%;\">2.70%<\/td>\n<td style=\"width: 9.67283%;\">3.50%<\/td>\n<td style=\"width: 9.67283%;\">3.70%<\/td>\n<td style=\"width: 9.67283%;\">4.40%<\/td>\n<td style=\"width: 9.67283%;\">4.50%<\/td>\n<td style=\"width: 9.67283%;\">4.50%<\/td>\n<td style=\"width: 9.67283%;\">4.50%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>ABBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.00%<\/td>\n<td style=\"width: 9.67283%;\">3.70%<\/td>\n<td style=\"width: 9.67283%;\">5.20%<\/td>\n<td style=\"width: 9.67283%;\">5.30%<\/td>\n<td style=\"width: 9.67283%;\">5.50%<\/td>\n<td style=\"width: 9.67283%;\">5.30%<\/td>\n<td style=\"width: 9.67283%;\">5.20%<\/td>\n<td style=\"width: 9.67283%;\">5.20%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>B\u1ea3o Vi\u1ec7t<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.29%<\/td>\n<td style=\"width: 9.67283%;\">3.96%<\/td>\n<td style=\"width: 9.67283%;\">4.87%<\/td>\n<td style=\"width: 9.67283%;\">4.91%<\/td>\n<td style=\"width: 9.67283%;\">5.12%<\/td>\n<td style=\"width: 9.67283%;\">5.08%<\/td>\n<td style=\"width: 9.67283%;\">4.95%<\/td>\n<td style=\"width: 9.67283%;\">4.72%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>B\u1eafc \u00c1<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.90%<\/td>\n<td style=\"width: 9.67283%;\">4.20%<\/td>\n<td style=\"width: 9.67283%;\">5.35%<\/td>\n<td style=\"width: 9.67283%;\">5.45%<\/td>\n<td style=\"width: 9.67283%;\">5.70%<\/td>\n<td style=\"width: 9.67283%;\">6.00%<\/td>\n<td style=\"width: 9.67283%;\">6.00%<\/td>\n<td style=\"width: 9.67283%;\">6.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>BVBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.80%<\/td>\n<td style=\"width: 9.67283%;\">4.00%<\/td>\n<td style=\"width: 9.67283%;\">5.10%<\/td>\n<td style=\"width: 9.67283%;\">5.25%<\/td>\n<td style=\"width: 9.67283%;\">5.55%<\/td>\n<td style=\"width: 9.67283%;\">5.85%<\/td>\n<td style=\"width: 9.67283%;\">5.90%<\/td>\n<td style=\"width: 9.67283%;\">5.95%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>CBBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">4.05%<\/td>\n<td style=\"width: 9.67283%;\">4.25%<\/td>\n<td style=\"width: 9.67283%;\">5.65%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">5.75%<\/td>\n<td style=\"width: 9.67283%;\">5.90%<\/td>\n<td style=\"width: 9.67283%;\">5.90%<\/td>\n<td style=\"width: 9.67283%;\">5.90%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>\u0110\u00f4ng \u00c1<\/strong><\/td>\n<td style=\"width: 9.67283%;\">2.80%<\/td>\n<td style=\"width: 9.67283%;\">3.00%<\/td>\n<td style=\"width: 9.67283%;\">4.10%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">4.60%<\/td>\n<td style=\"width: 9.67283%;\">4.60%<\/td>\n<td style=\"width: 9.67283%;\">4.60%<\/td>\n<td style=\"width: 9.67283%;\">4.60%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>Eximbank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.50%<\/td>\n<td style=\"width: 9.67283%;\">3.60%<\/td>\n<td style=\"width: 9.67283%;\">4.70%<\/td>\n<td style=\"width: 9.67283%;\">4.70%<\/td>\n<td style=\"width: 9.67283%;\">4.90%<\/td>\n<td style=\"width: 9.67283%;\">5.40%<\/td>\n<td style=\"width: 9.67283%;\">5.40%<\/td>\n<td style=\"width: 9.67283%;\">5.40%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>GPBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.25%<\/td>\n<td style=\"width: 9.67283%;\">3.35%<\/td>\n<td style=\"width: 9.67283%;\">4.90%<\/td>\n<td style=\"width: 9.67283%;\">5.00%<\/td>\n<td style=\"width: 9.67283%;\">5.95%<\/td>\n<td style=\"width: 9.67283%;\">5.95%<\/td>\n<td style=\"width: 9.67283%;\">5.95%<\/td>\n<td style=\"width: 9.67283%;\">5.95%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>HDBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.35%<\/td>\n<td style=\"width: 9.67283%;\">3.45%<\/td>\n<td style=\"width: 9.67283%;\">5.20%<\/td>\n<td style=\"width: 9.67283%;\">4.60%<\/td>\n<td style=\"width: 9.67283%;\">5.50%<\/td>\n<td style=\"width: 9.67283%;\">6.00%<\/td>\n<td style=\"width: 9.67283%;\">5.40%<\/td>\n<td style=\"width: 9.67283%;\">5.40%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>LPBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.10%<\/td>\n<td style=\"width: 9.67283%;\">3,19%<\/td>\n<td style=\"width: 9.67283%;\">4,07%<\/td>\n<td style=\"width: 9.67283%;\">4,05%<\/td>\n<td style=\"width: 9.67283%;\">4,89%<\/td>\n<td style=\"width: 9.67283%;\">5,11%<\/td>\n<td style=\"width: 9.67283%;\">5,05%<\/td>\n<td style=\"width: 9.67283%;\">4,93%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>MB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,20%<\/td>\n<td style=\"width: 9.67283%;\">3,60%<\/td>\n<td style=\"width: 9.67283%;\">4,20%<\/td>\n<td style=\"width: 9.67283%;\">4,20%<\/td>\n<td style=\"width: 9.67283%;\">4,95%<\/td>\n<td style=\"width: 9.67283%;\">5,05%<\/td>\n<td style=\"width: 9.67283%;\">5,70%<\/td>\n<td style=\"width: 9.67283%;\">5,70%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>MSB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,60%<\/td>\n<td style=\"width: 9.67283%;\">3,60%<\/td>\n<td style=\"width: 9.67283%;\">4,70%<\/td>\n<td style=\"width: 9.67283%;\">4,70%<\/td>\n<td style=\"width: 9.67283%;\">5.50%<\/td>\n<td style=\"width: 9.67283%;\">5.50%<\/td>\n<td style=\"width: 9.67283%;\">5.50%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>Nam \u00c1 Bank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,70%<\/td>\n<td style=\"width: 9.67283%;\">3,90%<\/td>\n<td style=\"width: 9.67283%;\">4,70%<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,30%<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>NCB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,90%<\/td>\n<td style=\"width: 9.67283%;\">4,10%<\/td>\n<td style=\"width: 9.67283%;\">5,25%<\/td>\n<td style=\"width: 9.67283%;\">5,35%<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>OCB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,80%<\/td>\n<td style=\"width: 9.67283%;\">4,00%<\/td>\n<td style=\"width: 9.67283%;\">4,90%<\/td>\n<td style=\"width: 9.67283%;\">4,90%<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,20%<\/td>\n<td style=\"width: 9.67283%;\">5,40%<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>OceanBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">4,00%<\/td>\n<td style=\"width: 9.67283%;\">4,30%<\/td>\n<td style=\"width: 9.67283%;\">5,30%<\/td>\n<td style=\"width: 9.67283%;\">5,40%<\/td>\n<td style=\"width: 9.67283%;\">5,70%<\/td>\n<td style=\"width: 9.67283%;\">7,20%<\/td>\n<td style=\"width: 9.67283%;\">7,20%<\/td>\n<td style=\"width: 9.67283%;\">7,20%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>PublicBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,80%<\/td>\n<td style=\"width: 9.67283%;\">4,00%<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,20%<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<td style=\"width: 9.67283%;\">5,95%<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>PVcomBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3.00%<\/td>\n<td style=\"width: 9.67283%;\">3.30%<\/td>\n<td style=\"width: 9.67283%;\">4.20%<\/td>\n<td style=\"width: 9.67283%;\">4.40%<\/td>\n<td style=\"width: 9.67283%;\">4.80%<\/td>\n<td style=\"width: 9.67283%;\">5.30%<\/td>\n<td style=\"width: 9.67283%;\">5.30%<\/td>\n<td style=\"width: 9.67283%;\">5.30%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>Sacombank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">2,80%<\/td>\n<td style=\"width: 9.67283%;\">3,20%<\/td>\n<td style=\"width: 9.67283%;\">4,20%<\/td>\n<td style=\"width: 9.67283%;\">4,30%<\/td>\n<td style=\"width: 9.67283%;\">4,90%<\/td>\n<td style=\"width: 9.67283%;\">4,90%<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,20%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>Saigonbank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,30%<\/td>\n<td style=\"width: 9.67283%;\">3,60%<\/td>\n<td style=\"width: 9.67283%;\">4,80%<\/td>\n<td style=\"width: 9.67283%;\">4,90%<\/td>\n<td style=\"width: 9.67283%;\">5,60%<\/td>\n<td style=\"width: 9.67283%;\">5,80%<\/td>\n<td style=\"width: 9.67283%;\">5,80%<\/td>\n<td style=\"width: 9.67283%;\">5,90%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>SCB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">1,60%<\/td>\n<td style=\"width: 9.67283%;\">1,90%<\/td>\n<td style=\"width: 9.67283%;\">2,90%<\/td>\n<td style=\"width: 9.67283%;\">2,90%<\/td>\n<td style=\"width: 9.67283%;\">3,70%<\/td>\n<td style=\"width: 9.67283%;\">3,90%<\/td>\n<td style=\"width: 9.67283%;\">3,90%<\/td>\n<td style=\"width: 9.67283%;\">3,90%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>SeABank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">2,95%<\/td>\n<td style=\"width: 9.67283%;\">3,45%<\/td>\n<td style=\"width: 9.67283%;\">3,75%<\/td>\n<td style=\"width: 9.67283%;\">3,95%<\/td>\n<td style=\"width: 9.67283%;\">4,50%<\/td>\n<td style=\"width: 9.67283%;\">5,45%<\/td>\n<td style=\"width: 9.67283%;\">5,45%<\/td>\n<td style=\"width: 9.67283%;\">5,45%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>SHB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,30%<\/td>\n<td style=\"width: 9.67283%;\">3,60%<\/td>\n<td style=\"width: 9.67283%;\">4,60%<\/td>\n<td style=\"width: 9.67283%;\">4,60%<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,10%<\/td>\n<td style=\"width: 9.67283%;\">5,10%<\/td>\n<td style=\"width: 9.67283%;\">5,10%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>Techcombank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,15%<\/td>\n<td style=\"width: 9.67283%;\">3,45%<\/td>\n<td style=\"width: 9.67283%;\">4,45%<\/td>\n<td style=\"width: 9.67283%;\">4,45%<\/td>\n<td style=\"width: 9.67283%;\">4,65%<\/td>\n<td style=\"width: 9.67283%;\">4,65%<\/td>\n<td style=\"width: 9.67283%;\">4,65%<\/td>\n<td style=\"width: 9.67283%;\">4,65%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>TPBank<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,50%<\/td>\n<td style=\"width: 9.67283%;\">3,80%<\/td>\n<td style=\"width: 9.67283%;\">4,60%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">5,50%<\/td>\n<td style=\"width: 9.67283%;\">\u2013<\/td>\n<td style=\"width: 9.67283%;\">0,058<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.0612%;\"><strong>VIB<\/strong><\/td>\n<td style=\"width: 9.67283%;\">3,50%<\/td>\n<td style=\"width: 9.67283%;\">3,70%<\/td>\n<td style=\"width: 9.67283%;\">4,60%<\/td>\n<td style=\"width: 9.67283%;\">4,60%<\/td>\n<td style=\"width: 9.67283%;\">0,049<\/td>\n<td style=\"width: 9.67283%;\">5,00%<\/td>\n<td style=\"width: 9.67283%;\">5,10%<\/td>\n<td style=\"width: 9.67283%;\">5,10%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"text-align: justify;\">So v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n kh\u00e1c, l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng ACB gi\u1eef \u1edf m\u1ee9c trung b\u00ecnh t\u1eeb 2,3-4,5% cho k\u1ef3 h\u1ea1n t\u1eeb 1-36 th\u00e1ng. Tuy m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng thu\u1ed9c top \u0111\u1ea7u nh\u01b0ng ACB l\u1ea1i s\u1edf h\u1eefu nh\u1eefng l\u1ee3i th\u1ebf ri\u00eang v\u1ec1 \u0111\u1ed9 uy t\u00edn v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng ph\u1ee5c v\u1ee5. \u0110\u1eb7c bi\u1ec7t ACB \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 ng\u00e2n h\u00e0ng an to\u00e0n, \u0111a d\u1ea1ng k\u1ef3 h\u1ea1n, c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n linh ho\u1ea1t v\u00e0 d\u1ecbch v\u1ee5 ti\u1ec7n l\u1ee3i cho kh\u00e1ch h\u00e0ng. Do v\u1eady kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc \u0111\u1ec3 l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng ph\u00f9 h\u1ee3p cho c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p.<\/div>\n<figure id=\"attachment_598256\" aria-describedby=\"caption-attachment-598256\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598256\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181852\/lai-suat-ngan-hang-acb-4.jpg\" alt=\"So s\u00e1nh l\u00e3i su\u1ea5t ACB v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181852\/lai-suat-ngan-hang-acb-4.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181852\/lai-suat-ngan-hang-acb-4-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181852\/lai-suat-ngan-hang-acb-4-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598256\" class=\"wp-caption-text\">ACB \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 s\u1ef1 ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"v-kinh-nghiem-vay-von-tai-acb-voi-lai-suat-thap-nhat\"><\/span><strong>V. Kinh nghi\u1ec7m vay v\u1ed1n t\u1ea1i ACB v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ng\u00e2n h\u00e0ng ACB tri\u1ec3n khai \u0111a d\u1ea1ng g\u00f3i vay \u01b0u \u0111\u00e3i cho kh\u00e1ch h\u00e0ng v\u1edbi nhi\u1ec1u m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i kh\u00e1c nhau. \u0110\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t khi vay v\u1ed1n t\u1ea1i ACB, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tham kh\u1ea3o m\u1ed9t s\u1ed1 kinh nghi\u1ec7m sau:<\/p>\n<ul>\n<li style=\"text-align: justify;\">X\u00e2y d\u1ef1ng h\u1ed3 s\u01a1, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t, thanh to\u00e1n n\u1ee3 \u0111\u1ea7y \u0111\u1ee7, kh\u00f4ng c\u00f3 n\u1ee3 ch\u00fa \u00fd, n\u1ee3 x\u1ea5u.<\/li>\n<li style=\"text-align: justify;\">L\u1ef1a ch\u1ecdn kho\u1ea3n vay ng\u1eafn h\u1ea1n, s\u1ed1 ti\u1ec1n vay nh\u1ecf \u0111\u1ec3 t\u1ed1i \u01b0u l\u00e3i su\u1ea5t.<\/li>\n<li style=\"text-align: justify;\">Chu\u1ea9n b\u1ecb t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng x\u1ee9ng nh\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u00f4 t\u00f4, s\u1ed5 ti\u1ebft ki\u1ec7m&#8230; \u0111\u1ec3 \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t vay d\u1ec5 d\u00e0ng v\u00e0 h\u01b0\u1edfng \u01b0u \u0111\u00e3i v\u1ec1 l\u00e3i su\u1ea5t.<\/li>\n<li style=\"text-align: justify;\">Chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n, ch\u1ee9ng t\u1eeb ch\u1ee9ng minh t\u00e0i ch\u00ednh \u0111\u1ea7y \u0111\u1ee7, minh b\u1ea1ch \u0111\u1ec3 \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn nhi\u1ec1u g\u00f3i vay c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p.<\/li>\n<li style=\"text-align: justify;\">C\u00e2n nh\u1eafc h\u00ecnh th\u1ee9c vay th\u1ea5u chi t\u1eeb s\u1ed5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n nhanh v\u00e0 h\u01b0\u1edfng l\u00e3i su\u1ea5t t\u1ed1t.<\/li>\n<li style=\"text-align: justify;\">Ch\u00fa \u00fd c\u1eadp nh\u1eadt c\u00e1c ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i theo t\u1eebng th\u1eddi k\u1ef3 c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ec3 ch\u1ecdn g\u00f3i vay c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p.<\/li>\n<li style=\"text-align: justify;\">L\u01b0u \u00fd v\u1ec1 ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n \u0111\u1ec3 c\u00e2n nh\u1eafc th\u1eddi h\u1ea1n vay, tr\u00e1nh m\u1ea5t th\u00eam ph\u00ed khi t\u1ea5t to\u00e1n n\u1ee3 tr\u01b0\u1edbc th\u1eddi h\u1ea1n.<\/li>\n<\/ul>\n<figure id=\"attachment_598261\" aria-describedby=\"caption-attachment-598261\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-598261\" src=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181959\/lai-suat-ngan-hang-acb-9.jpg\" alt=\"Kinh nghi\u1ec7m vay v\u1ed1n t\u1ea1i ACB v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181959\/lai-suat-ngan-hang-acb-9.jpg 800w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181959\/lai-suat-ngan-hang-acb-9-768x432.jpg 768w, https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21181959\/lai-suat-ngan-hang-acb-9-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-598261\" class=\"wp-caption-text\">ACB th\u01b0\u1eddng xuy\u00ean c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u1ea3m l\u00e3i su\u1ea5t cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p vay v\u1ed1n kinh doanh<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><strong>L\u1eddi k\u1ebft<\/strong><\/p>\n<p style=\"text-align: justify;\">B\u00e0i vi\u1ebft tr\u00ean c\u1ee7a Muaban.net \u0111\u00e3 t\u1ed5ng h\u1ee3p \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 <a href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-acb-598250\/\" target=\"_blank\" rel=\"noopener\"><strong>l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB<\/strong><\/a>. N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t ng\u00e2n h\u00e0ng uy t\u00edn, \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh th\u00ec ACB ch\u00ednh l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn kh\u00f4ng th\u1ec3 b\u1ecf qua. Ngo\u00e0i ra, \u0111\u1ec3 t\u1ed1i \u01b0u l\u00e3i su\u1ea5t vay t\u1eeb ng\u00e2n h\u00e0ng cho nhu c\u1ea7u <a href=\"https:\/\/muaban.net\/bat-dong-san\/ban-nha\" target=\"_blank\" rel=\"noopener\">mua nh\u00e0<\/a>, <a href=\"https:\/\/muaban.net\/o-to\/ban-o-to\" target=\"_blank\" rel=\"noopener\">mua xe \u00f4 t\u00f4<\/a> b\u1ea1n \u0111\u1ecdc c\u00f3 th\u1ec3 tra c\u1ee9u nhanh th\u00f4ng tin t\u1ea1i trang <a href=\"https:\/\/muaban.net\/\" target=\"_blank\" rel=\"noopener\"><strong>Muaban.net<\/strong><\/a> &#8211; m\u1ecdi th\u00f4ng tin mua b\u00e1n <a href=\"https:\/\/muaban.net\/bat-dong-san\" target=\"_blank\" rel=\"noopener\">b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/a>, xe c\u1ed9 gi\u00e1 t\u1ed1t \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt nhanh ch\u00f3ng m\u1ed7i ng\u00e0y.<\/p>\n<p style=\"text-align: right;\"><em><strong>Ngu\u1ed3n tham kh\u1ea3o:<\/strong> Ng\u00e2n h\u00e0ng ACB<\/em><\/p>\n<p style=\"text-align: justify;\"><strong>Xem th\u00eam:<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\"><strong><a href=\"https:\/\/muaban.net\/blog\/lai-suat-ngan-hang-hdbank-597096\/\" target=\"_blank\" rel=\"noopener\">C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng HDBank m\u1edbi nh\u1ea5t<\/a><\/strong><\/li>\n<li style=\"text-align: justify;\"><strong><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-lien-viet-597067\/\" target=\"_blank\" rel=\"noopener\">C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Li\u00ean Vi\u1ec7t m\u1edbi nh\u1ea5t 2025<\/a><\/strong><\/li>\n<li style=\"text-align: justify;\"><strong><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-techcombank-597697\/\" target=\"_blank\" rel=\"noopener\">L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Techcombank h\u00f4m nay: C\u1eadp nh\u1eadt chi ti\u1ebft\u00a0<\/a><\/strong><\/li>\n<\/ul>\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\"><\/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\"> 12<\/span> <span class=\"rt-label rt-postfix\">ph\u00fat<\/span><\/span>ACB l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n h\u00e0ng \u0111\u1ea7u t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao v\u1ec1 \u0111\u1ed9 uy t\u00edn v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. V\u1edbi b\u1ec1 d\u00e0y kinh nghi\u1ec7m h\u01a1n 30 n\u0103m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, ACB cung c\u1ea5p \u0111a d\u1ea1ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ch\u1ea5t l\u01b0\u1ee3ng [&hellip;]<\/p>\n","protected":false},"author":413,"featured_media":598262,"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":[27],"tags":[],"class_list":{"0":"post-598250","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-khac"},"featured_image_src":"https:\/\/blogcdn.muaban.net\/wp-content\/uploads\/2025\/08\/21182012\/lai-suat-ngan-hang-acb.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":"Hi\u1ec1n Nguy\u1ec5n","_links":{"self":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/598250","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=598250"}],"version-history":[{"count":5,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/598250\/revisions"}],"predecessor-version":[{"id":598265,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/posts\/598250\/revisions\/598265"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/media\/598262"}],"wp:attachment":[{"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/media?parent=598250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/categories?post=598250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/muaban.net\/blog\/wp-json\/wp\/v2\/tags?post=598250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}