Average Lending Interest Rate Vietnam
Average lending interest rates and the spread between deposit and lending interest rates are voluntarily published monthly by individual commercial banks at the request of the State Bank of Vietnam (starting from April 2024).
| Indicator | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | 09-2025 | 08-2025 | 07-2025 | 06-2025 | 05-2025 | 04-2025 | 03-2025 | 02-2025 | 01-2025 | 12-2024 | 11-2024 | 10-2024 | 09-2024 | 08-2024 | 07-2024 | 06-2024 | 05-2024 | 04-2024 | 03-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vietcombank3 | |||||||||||||||||||||||||||||
| Average lending interest rate | 7.5 | 7.2 | 6.9 | 6.6 | 6.4 | 6.1 | 5.8 | 5.7 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.7 | 5.7 | 5.7 | 5.5 | 5.6 | 5.6 | 5.6 | 5.7 | 5.7 | 5.9 | 6.1 | 6.4 | |
| Average deposit and lending interest rate spread | 3.6 | 3.5 | 3.4 | 3.2 | 3.2 | 3 | 2.8 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.8 | 2.8 | 2.8 | 2.8 | 2.9 | 2.9 | 2.9 | 2.7 | 2.8 | 2.8 | 2.9 | 3 | 3 | 3.2 | 3.3 | 3.4 | |
| Interest rate spread after deducting costs | 2.1 | 2 | 1.9 | 1.7 | 1.7 | 1.5 | 1.3 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.2 | 1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.5 | 1.6 | 1.8 |
Latest reading
The latest reading is 7.5 %/year, for Jun 2026. That is +0.3 pp from May 2026 and +1.9 pp from a year earlier. The series on this page is monthly and runs from Mar 2024 to Jun 2026. Source: Vietcombank average lending interest rate.
- Latest
- 7.5 %/year
- Jun 2026
- vs previous period
- +0.3 pp
- May 2026
- vs a year earlier
- +1.9 pp
About this data
Average lending interest rates and the spread between deposit and lending interest rates are voluntarily published monthly by individual commercial banks at the request of the State Bank of Vietnam (starting from April 2024). These figures represent the average across each bank's entire portfolio, rather than the rate for a specific loan.
