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Vinhomes has announced a nationwide program offering 0-6% interest rate support for five years across all projects, running from April 20 to July 20, 2026. The initiative is designed to reduce buyers’ financial pressure and stimulate the real estate market.
Importantly, the policy also applies to customers who have already completed transactions since January 1, 2026 under earlier interest-rate support schemes, aiming to align buyer rights in the new development cycle.
Under the program, customers can choose one of five packages based on their needs and financial capacity. The 18-month loan package offers a 0% interest rate. For longer terms ranging from 24 to 60 months, the interest rate cap is fixed at no more than 6% per year.
The program includes additional fees depending on the loan-to-value ratio (70% or 80% of the product value). The fees range from 4.5% for the 24-month term to a maximum of 30% for the longest 5-year term.
(*) The program applies to projects and customers eligible for 80% loan according to bank approval.
A key feature is the post-fixed-period protection mechanism. For loans with fixed periods of 18 to 36 months, after the fixed-rate period ends, Vinhomes commits to continue capping the rate at a maximum of 9% per year for the next two years. The developer will cover the difference between market rates and the 9% cap for the bank.
The company’s move from a previously announced 9% cap down to 6% for the main support period indicates an effort to share more of the financing burden with buyers.
With a 0-6% interest rate band, the cost of funds is currently lower than social housing loan rates and some banks’ deposit rates. In a market seeking catalysts, the new policy is expected to provide a clearer financing pathway for homeowners and contribute to market stability.
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