CalcunetLoan Calculator (Vietnam)
Calculate your monthly payment, total interest, and full amortization schedule for a Vietnamese bank loan, mortgage, or personal loan.
Monthly payment
5.221.123 ₫
Total interest
439.802.215 ₫
Total amount payable
939.802.215 ₫
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 5.221.123 ₫ | 1.262.790 ₫ | 3.958.333 ₫ | 498.737.210 ₫ |
| 2 | 5.221.123 ₫ | 1.272.787 ₫ | 3.948.336 ₫ | 497.464.423 ₫ |
| 3 | 5.221.123 ₫ | 1.282.863 ₫ | 3.938.260 ₫ | 496.181.559 ₫ |
| 4 | 5.221.123 ₫ | 1.293.019 ₫ | 3.928.104 ₫ | 494.888.540 ₫ |
| 5 | 5.221.123 ₫ | 1.303.256 ₫ | 3.917.868 ₫ | 493.585.284 ₫ |
| 6 | 5.221.123 ₫ | 1.313.573 ₫ | 3.907.550 ₫ | 492.271.711 ₫ |
| 7 | 5.221.123 ₫ | 1.323.972 ₫ | 3.897.151 ₫ | 490.947.739 ₫ |
| 8 | 5.221.123 ₫ | 1.334.454 ₫ | 3.886.670 ₫ | 489.613.285 ₫ |
| 9 | 5.221.123 ₫ | 1.345.018 ₫ | 3.876.105 ₫ | 488.268.266 ₫ |
| 10 | 5.221.123 ₫ | 1.355.666 ₫ | 3.865.457 ₫ | 486.912.600 ₫ |
| 11 | 5.221.123 ₫ | 1.366.399 ₫ | 3.854.725 ₫ | 485.546.201 ₫ |
| 12 | 5.221.123 ₫ | 1.377.216 ₫ | 3.843.907 ₫ | 484.168.986 ₫ |
Reading your results
Monthly payment is your fixed installment for the term entered. Total interest is the real cost of borrowing beyond the principal — worth comparing across a couple of term lengths before committing to a 15- or 20-year mortgage, since a longer term lowers the monthly payment but meaningfully raises total interest paid.
Vietnam loan calculator FAQ
How do Vietnamese banks calculate loan interest?
Most Vietnamese banks use dư nợ giảm dần (reducing/diminishing balance) for mortgages and personal loans — interest is charged only on the outstanding balance each month, which this calculator uses by default. Some consumer finance companies and installment purchases instead quote a flat add-on rate, which looks lower but costs more in real terms — switch the interest method here to compare.
What's a typical loan interest rate in Vietnam?
Rates vary widely by loan type and bank: mortgage (vay mua nhà) rates often start with a promotional fixed period (commonly 6-12 months) before floating to a higher rate tied to a reference rate plus a margin; unsecured personal loans and consumer finance loans run considerably higher. Always confirm the current rate — and whether it's fixed or floating — directly with your bank.
Does this calculator account for Vietnam's floating-rate mortgages?
No — it calculates a fixed-rate loan for the full term you enter. If your mortgage has a promotional fixed rate that later floats, run the calculation twice: once for the promotional period at the fixed rate, and again for the remaining term at your best estimate of the post-promo floating rate.
Are there Vietnamese-language versions of this calculator?
Yes — see lãi suất vay ngân hàng for bank loan interest rate explanations and tính lãi vay for a Vietnamese-language interest calculation walkthrough.