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Vietnam · VND

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HomeCalc

Mortgage calculator

See what you pay each month, and how the payment moves when the rate changes.

Figures follow Vietnamese law, with every source cited and dated.

Your loan
₫
The amount the bank lends, not the home price
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
₫
%
Default in month 18: 2% of the amount prepaid. Change it to match your loan contract.Last verified: Oct 1, 2026
After prepaying

Results

Payment in month 1

₫13,757,746

≈ $542

During the 12-month promo at 5.5%

Payment in month 13

₫19,709,757

≈ $776

First floating month at 10.5%

Up ₫5,952,011 (43.3%) when the promo ends

Vietnam · VND

Highest payment
₫19,709,851≈ $776
Total interest
₫2,658,917,642≈ $104,682
Total paidPrincipal plus interest
₫4,658,917,642≈ $183,422
Exchange rate: 1 USD = ₫25,400
₫
You enter the rate. This page does not fetch live rates.

Default rate last updated Oct 1, 2026

Converted amounts are for reference only. The amounts in Vietnamese dong (VND) are the ones that apply.

Note

Every figure on this page is an estimate based on the values you entered and on defaults from Vietnamese law, current as of the verification date shown next to each one. It is not financial, legal or tax advice. The actual interest rate, fees and taxes are set by your bank, your notary office and your tax office in Vietnam at the time of the transaction. Confirm with them before signing any contract. This site stores none of your data; everything you entered lives in the page address.

Nominal annual rate divided by 12, rounded to the whole dong (₫). Your bank may calculate interest daily.

The link carries only the numbers you entered. The site stores nothing.

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment rising from ₫13,757,746 to ₫19,709,757 in year 2. Exact figures are in the schedule table.Year 1: interest ₫108,589,761, principal ₫56,503,191Year 2: interest ₫202,459,056, principal ₫34,058,028Year 3: interest ₫198,705,743, principal ₫37,811,341Year 4: interest ₫194,538,801, principal ₫41,978,283Year 5: interest ₫189,912,650, principal ₫46,604,434Year 6: interest ₫184,776,681, principal ₫51,740,403Year 7: interest ₫179,074,709, principal ₫57,442,375Year 8: interest ₫172,744,364, principal ₫63,772,720Year 9: interest ₫165,716,389, principal ₫70,800,695Year 10: interest ₫157,913,910, principal ₫78,603,174Year 11: interest ₫149,251,567, principal ₫87,265,517Year 12: interest ₫139,634,607, principal ₫96,882,477Year 13: interest ₫128,957,822, principal ₫107,559,262Year 14: interest ₫117,104,422, principal ₫119,412,662Year 15: interest ₫103,944,737, principal ₫132,572,347Year 16: interest ₫89,334,805, principal ₫147,182,279Year 17: interest ₫73,114,810, principal ₫163,402,274Year 18: interest ₫55,107,312, principal ₫181,409,772Year 19: interest ₫35,115,332, principal ₫201,401,752Year 20: interest ₫12,920,164, principal ₫223,597,014per yearper month60 million120 million180 million240 million8 million16 million24 millionYear 66Year 1212Year 1818

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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