• Promotion: Fixed rate ending? Stay or Switch
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8/1/2026

Fixed rate ending? Stay or Switch

Lower Your Home Loan Payments with a 9.00% Fixed Rate

Don’t Stay with a High Retention Rate

Switch to KBank’s 3-year fixed rate at 8.80% p.a. to help reduce the interest payment you will pay

Enjoy a Smooth Switch from Start to Finish

Let KBank Home Loan sales experts support you through every step, with pre-approval within 3 working days

Upgrade Your Home With 80% LTV
 

Get a top-up loan for renovation or decoration, when you switch your home loan to KBank


Useful Information

  • Eligible for office workers employed by private companies located in Ho Chi Minh City, Dong Nai and Tay Ninh
  • Age of the borrower including loan tenor: 20 - 70 years
  • Fixed 8.80% p.a. or the next 3 years, available for loan amounts from 700 million up to 15 billion VND
  • Maximum Loan-to-Value (LTV) of up to 80% of the property value
  • Free fire insurance, helping you save premiums of up to 0.02% of the home value per year throughout the loan contract
  • Eligible for application between 1 - 31 August 2026 and have the loan disbursed by 15 September 2026
  • At a glance with KBank Factsheet See more
  • Go for monthly repayment calculation See more
  • Learn more about the borrowing to repay home loan at another bank product See more
  • Learn more about top-up product See more
  • Interest Calculation Example for Borrowing to repay home loan at another bank
Loan amount (VND)Loan tenor (Years)Monthly repayment [a] (VND)Interest expenses saved [b] after switching your mortgage to KBank (VND)
3,000,000,0001025,245,000 – 47,000,000
415,842,000
2012,623,000 – 37,469,000622,702,000
30 8,415,333 – 34,771,333816,652,000

[a] Calculated by using KBank home loan refinance interest rate Fixed 3-Year that announced on 01/08/2026
[b] Calculated by using other bank rate at 13% per year

Steps to Apply for
KBank Home Loan
 
 
 
 

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