Average interest rate for newly disbursed loans in january 2026 – MSB

Following the direction of the Government and the State Bank of Vietnam regarding the disclosure of average lending interest rates to increase transparency and assist customers in accessing credit, Vietnam Maritime Commercial Joint Stock Bank (MSB) officially announces the average lending interest rate for newly disbursed loans in January 2026.

1. Average Lending Interest Rate

The average lending interest rate for newly disbursed loans in January 2026 at MSB is specifically as follows:

2. Difference Between Average Lending and Deposit Interest Rates

MSB also announces the average spread between the lending interest rate and the mobilized deposit interest rate (Average Interest Margin) to ensure transparency:

• Average Interest Spread: 2.35% / year.

3. Basis for Calculation and Commitments

1. Scope of Data: These interest rates apply to all new credit disbursements occurring from January 1, 2026, to January 31, 2026.

2. Influencing Factors: Actual interest rates for each specific loan may vary depending on the credit term, customer credit rating, collateral, and specific incentive programs of each industry.

3. Customer Support: MSB continues to implement low-interest credit packages to support business recovery and individual consumption in 2026.

Information Transparency: This data is disclosed monthly on MSB’s official website. For detailed advice on loan packages, please contact the nearest Transaction Office or Hotline 1900 6083.

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