{"id":143,"date":"2026-09-05T16:42:15","date_gmt":"2026-09-05T16:42:15","guid":{"rendered":"https:\/\/sungroupvinhhung.info.vn\/?p=143"},"modified":"2026-09-05T16:42:15","modified_gmt":"2026-09-05T16:42:15","slug":"thang-9-cac-ngan-hang-dang-cho-vay-mua-nha-lai-suat-bao-nhieu","status":"publish","type":"post","link":"https:\/\/sungroupvinhhung.info.vn\/index.php\/2026\/09\/05\/thang-9-cac-ngan-hang-dang-cho-vay-mua-nha-lai-suat-bao-nhieu\/","title":{"rendered":"Th\u00e1ng 9, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang cho vay mua nh\u00e0 l\u00e3i su\u1ea5t bao nhi\u00eau?"},"content":{"rendered":"
\n
\n
\n
\"Tri<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n

Sau th\u1eddi gian m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay duy tr\u00ec \u1edf m\u1ee9c cao, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng b\u1ea5t ng\u1edd c\u00f4ng b\u1ed1 gi\u1ea3m trong c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i, v\u1edbi m\u1ee9c gi\u1ea3m h\u01a1n 1%\/n\u0103m.<\/p>\n

Nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean h\u1ea1 l\u00e3i su\u1ea5t vay mua nh\u00e0<\/strong><\/p>\n

\u0110i\u1ec3n h\u00ecnh, Vietcombank \u0111ang tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh cho vay mua nh\u00e0 t\u1ea1i c\u00e1c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf, v\u1edbi t\u1ed5ng quy m\u00f4 20.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Theo ch\u01b0\u01a1ng tr\u00ecnh, cam k\u1ebft l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, gi\u1ea3m \u0111\u1ebfn 1%\/n\u0103m so v\u1edbi l\u00e3i su\u1ea5t cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00f4ng th\u01b0\u1eddng d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. Th\u1eddi h\u1ea1n vay t\u1ed1i \u0111a 35 n\u0103m, h\u1ea1n m\u1ee9c cho vay c\u00f3 th\u1ec3 t\u1edbi 100% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0.<\/p>\n

Ng\u00e2n h\u00e0ng VIB cho ph\u00e9p kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ed1 \u0111\u1ecbnh l\u00e3i su\u1ea5t l\u00ean t\u1edbi 5 n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n, vay b\u00f9 \u0111\u1eafp ti\u1ec1n mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n, vay t\u00e1i t\u00e0i tr\u1ee3 c\u0169ng nh\u01b0 vay x\u00e2y d\u1ef1ng, s\u1eeda ch\u1eefa nh\u00e0. Kh\u00e1ch vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i VIB c\u00f2n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t, v\u1edbi m\u1ee9c gi\u1ea3m th\u00eam 0,2-0,4%\/n\u0103m trong su\u1ed1t th\u1eddi gian vay, t\u00f9y \u0111i\u1ec1u ki\u1ec7n ch\u01b0\u01a1ng tr\u00ecnh.<\/p>\n

\u0111ang \u00e1p d\u1ee5ng \u01b0u \u0111\u00e3i \u0111\u1ed1i v\u1edbi kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1ea3m bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t t\u1ed1i \u0111a 1,2% so v\u1edbi bi\u00ean \u0111\u1ed9 hi\u1ec7n h\u00e0nh, t\u00f9y t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng\u2026<\/p>\n

Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 ch\u00ednh s\u00e1ch h\u1ea1 l\u00e3i, ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi gian l\u00e3i \u01b0u \u0111\u00e3i c\u00f3 \u00fd ngh\u0129a \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. D\u00f9 v\u1eady, trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u t\u00edn d\u1ee5ng cao, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay ti\u1ebfp t\u1ee5c duy tr\u00ec tr\u00ean 2 con s\u1ed1.<\/p>\n

\"Th\u00e1ng
\n

D\u1ef1 \u00e1n nh\u00e0 li\u1ec1n k\u1ec1 (\u1ea2nh: DT).<\/p>\n<\/figcaption><\/figure>\n

L\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i v\u1eabn cao, b\u00ecnh qu\u00e2n 11%\/n\u0103m<\/strong><\/p>\n

S\u1ed1 li\u1ec7u t\u1eeb C\u00f4ng ty t\u01b0 v\u1ea5n d\u1ecbch v\u1ee5 b\u1ea5t \u0111\u1ed9ng s\u1ea3n DKRA Consulting, l\u00e3i su\u1ea5t vay mua nh\u00e0 \u0111\u1ed1i v\u1edbi kho\u1ea3n c\u1ed1 \u0111\u1ecbnh 12-24 th\u00e1ng t\u1ea1i 11 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 10,9% m\u1ed9t n\u0103m. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng m\u1ee9c cao: 13,2% cho kho\u1ea3n vay c\u1ed1 \u0111\u1ecbnh 12 th\u00e1ng; ng\u00e2n h\u00e0ng VIB \u1edf m\u1ee9c 11,1% cho k\u1ef3 h\u1ea1n 12 th\u00e1ng v\u00e0 12% v\u1edbi k\u1ef3 h\u1ea1n 24 th\u00e1ng. Tr\u00ean 10% c\u00f2n c\u00f3 ng\u00e2n h\u00e0ng MSB v\u00e0 ACB v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i kho\u1ea3ng 11%\/n\u0103m.<\/p>\n

\u1ede chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, ch\u1ec9 c\u00f2n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng duy tr\u00ec l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh 12 th\u00e1ng d\u01b0\u1edbi 10%, nh\u01b0 HDBank 9,8%, VietBank 9,5% v\u00e0 Woori Bank 9,3%…<\/p>\n

M\u1eb7t b\u1eb1ng n\u00e0y cao h\u01a1n 2-3% so v\u1edbi qu\u00fd II (l\u00e3i \u01b0u \u0111\u00e3i v\u00e0o kho\u1ea3ng 8,5-9,2%\/n\u0103m). D\u00f9 v\u1eady, th\u1eddi gian \u01b0u \u0111\u00e3i ch\u1ec9 k\u00e9o d\u00e0i kho\u1ea3ng 6 th\u00e1ng \u0111\u1ebfn 2 n\u0103m, sau giai \u0111o\u1ea1n n\u00e0y l\u00e3i su\u1ea5t s\u1ebd th\u1ea3 n\u1ed5i, con s\u1ed1 hi\u1ec7n t\u1ea1i v\u00e0o m\u1ee9c 12-15%\/n\u0103m t\u00f9y \u0111i\u1ec1u ki\u1ec7n vay v\u00e0 t\u1eebng ng\u00e2n h\u00e0ng. \u00a0\u00a0<\/p>\n

D\u1eef li\u1ec7u c\u1ee7a Dat Xanh Services c\u0169ng cho th\u1ea5y so v\u1edbi qu\u00fd II, m\u1ee9c \u01b0u \u0111\u00e3i v\u1edbi kho\u1ea3n vay 12 th\u00e1ng b\u00ecnh qu\u00e2n t\u1ea1i 8 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u01a1n v\u1ecb n\u00e0y kh\u1ea3o s\u00e1t \u0111\u00e3 t\u0103ng th\u00eam kho\u1ea3ng 0,6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong qu\u00fd III v\u00e0 t\u0103ng g\u1ea7n 1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, l\u00e3i su\u1ea5t \u0111ang tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 khi\u1ebfn b\u00e0i to\u00e1n mua nh\u00e0 kh\u00f3 h\u01a1n. Ng\u01b0\u1eddi vay ph\u1ea3i t\u00ednh to\u00e1n kh\u00f4ng ch\u1ec9 m\u1ee9c l\u00e3i su\u1ea5t ban \u0111\u1ea7u m\u00e0 c\u1ea3 chi ph\u00ed sau th\u1eddi gian \u01b0u \u0111\u00e3i.<\/p>\n<\/div>\n

\nNgu\u1ed3n b\u00e0i vi\u1ebft:<\/strong> D\u00e2n tr\u00ed \u2014 Xem b\u00e0i vi\u1ebft g\u1ed1c<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

(D\u00e2n tr\u00ed) – Th\u1ed1ng k\u00ea t\u1eeb cu\u1ed1i th\u00e1ng 8, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng b\u1eaft \u0111\u1ea7u c\u00f3 ch\u00ednh s\u00e1ch gi\u1ea3m l\u00e3i su\u1ea5t cho vay mua nh\u00e0. D\u00f9 v\u1eady, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t v\u1eabn neo \u1edf m\u1ee9c cao, qu\u00e2n b\u00ecnh kho\u1ea3ng 11%\/n\u0103m.<\/p>\n","protected":false},"author":1,"featured_media":144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"svh_topic":[],"class_list":["post-143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc"],"_links":{"self":[{"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/posts\/143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/comments?post=143"}],"version-history":[{"count":1,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/posts\/143\/revisions"}],"predecessor-version":[{"id":145,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/posts\/143\/revisions\/145"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/media\/144"}],"wp:attachment":[{"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/media?parent=143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/categories?post=143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/tags?post=143"},{"taxonomy":"svh_topic","embeddable":true,"href":"https:\/\/sungroupvinhhung.info.vn\/index.php\/wp-json\/wp\/v2\/svh_topic?post=143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}