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Vietnam Loan & Deposit Calculator
Calculate Vietnamese bank deposit interest, loan repayment (decreasing balance & equal monthly), with detailed amortization schedule.
All tools Browser-only
Principal
0 đ
Interest earned
0 đ
Total received
0 đ
Results are indicative. Actual rates vary by bank and time — verify before deciding.
How to use
Deposit
- Simple interest: paid at term end, doesn't compound. Standard for short-term Vietnamese deposits (1-12 months).
- Compound interest: monthly compounding — higher effective yield.
Loan
- Decreasing balance: pay more in early months as balance shrinks. Total interest is ~30-40% lower than equal-payment. Common for mortgages.
- Equal monthly (annuity): pay the same amount each month. Easier to budget but more total interest.
Note
Results are illustrative. Actual rates may differ due to promos and hidden fees. Doesn't account for early-termination fees or notary costs.
Who this is for
Vietnamese users needing quick calculations in local context: salary, PIT, loan interest, BMI, bill splitting, FX rates.
FAQ
Which year do the tax/SI rates apply?
Vietnam 2026 regulations: SI 8%, HI 1.5%, UI 1%, progressive PIT 7 brackets. Updates within 48h of regulation changes.
Can results be used officially?
Estimates are accurate for typical scenarios. For contracts/year-end settlements, consult an accountant.
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