Q4 home-loan rates: the new level and how to pick a promotional package

Many banks hold a promotional rate for the first 12–24 months, then float it at the savings rate plus a margin. Compare both periods rather than looking only at the first-year figure.

The safe approach is to work out the monthly payment at the post-promotion rate, then keep it under 40% of the household's income.

The loan calculator on Mái Hiên lets you change the rate and term to see the month-by-month repayment table at once.