Vietnam Property Mortgage Calculator 2026

Loan Details

Purchase price

Enter in VND (e.g. 3,000,000,000 = 3 billion VND ≈ USD 120,000)

Deposit (%)

Vietnamese banks typically require 30–50% deposit from foreigners

Annual interest rate (%)

Vietnamese bank rates for foreigners: typically 8.5–12% (July 2026)

Loan term (years)

Note: Foreigners have 50-year leasehold; banks typically lend max 15–20 years

Your Mortgage Estimate

Monthly repayment

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Loan amount

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Total repaid

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of which interest: —

Principal Total interest

Can Foreigners Get a Mortgage in Vietnam?

Yes — but with significant restrictions compared to Vietnamese nationals:

Deposit requirement: Vietnamese banks typically require a 30–50% deposit from foreign buyers. Some banks demand 50% or more, especially for higher-value properties.
Interest rates: Mortgage rates for foreigners in Vietnam run approximately 8.5–12% per annum as of mid-2026. Rates are typically variable (floating), reviewed every 3–12 months. Fixed-rate mortgages are rare.
Loan terms: Most Vietnamese banks lend foreigners a maximum of 15–20 years. Some limit to the remaining term of the property's leasehold.
Banks that lend to foreigners: Techcombank, VPBank, HSBC Vietnam, and Vietcombank have the most experience with foreign borrowers. HSBC is generally easiest for buyers already banking internationally.
Income verification: You will need to provide documented proof of income — typically 3–6 months of payslips or bank statements, plus tax returns or business financials for self-employed buyers.

Important: Many foreign buyers purchase in cash to avoid the complexity of Vietnamese mortgage financing. If you are buying to rent out, also consider that rental income in VND while paying a mortgage denominated in VND means you are not exposed to currency exchange risk — a significant advantage over buying with a foreign-currency mortgage.

Vietnam Property Mortgage Calculator

Loan Details

Your Mortgage Estimate

Can Foreigners Get a Mortgage in Vietnam?

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