Lai suat vay kinh doanh trung binh tai Viet Nam la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam (Average Business Loan Rate in Vietnam) la muc lai suat binh quan ma cac to chuc tin dung ap dung cho cac khoan vay san xuat kinh doanh cua doanh nghiep, dac biet la khoi SME.

Thuat ngu tieng Anh: Average Business Loan Rate in Vietnam

Linh vuc: Tin dung doanh nghiep, Tai chinh SME

Lai suat vay kinh doanh trung binh 2024-2026

Theo du lieu tu NHNN va cac NHTM, lai suat cho vay doanh nghiep tai Viet Nam bien dong theo chu ky chinh sach tien te:

Phan loai lai suat theo nhom ngan hang

Yeu to quyet dinh lai suat vay kinh doanh

1. Lai suat dieu hanh NHNN: Lai suat tai cap von (4.5%), lai suat chiet khau (3.0%) la neo chinh
2. Tai san dam bao: Vay the chap BDS thap hon tin chap 2-4%
3. Lich su tin dung (CIC): Diem CIC tot giam 0.5-1.5%
4. Nganh nghe: 5 linh vuc uu tien (nong nghiep, xuat khau, CNHT, DNNVV, cong nghe cao) duoc lai suat ngan han toi da 4.0-4.5%
5. Quy mo va thoi gian hoat dong: DN >3 nam co lai suat tot hon

Lai suat vay kinh doanh trung binh trong cac ngon ngu khac

Xem them: Tieng Anh | Tieng Nhat | Tieng Han | Tieng Trung | Tieng Tay Ban Nha

So sanh lai suat voi BizLoan

Lai suat vay kinh doanh phu thuoc vao tung to chuc tin dung va ho so doanh nghiep. BizLoan ket noi SME voi nhieu lender cung luc, giup tang co hoi nhan duoc lai suat canh tranh nhat. Dang ky tu van mien phi.

Lai suat vay kinh doanh trung binh tai Viet Nam tieng Anh la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam trong tieng Anh la Average Business Loan Rate in Vietnam (/ˈævərɪdʒ ˈbɪznəs loʊn reɪt ɪn viˌɛtˈnɑːm/).

Dinh nghia

The Average Business Loan Rate in Vietnam refers to the typical annual interest rate charged by commercial banks on business loans for enterprises, particularly SMEs. As of 2026, short-term rates range from 5.0-7.5% per annum at state-owned banks (Big 4) and 6.0-12.0% at joint-stock commercial banks. The State Bank of Vietnam (SBV) sets policy rates — the refinancing rate at 4.5% and discount rate at 3.0% — which form the floor for commercial lending. Priority sectors including agriculture, exports, and SMEs benefit from preferential short-term caps of 4.0-4.5%.

Cac thuat ngu lien quan

Vi du cau

"The average business loan rate in Vietnam for SMEs ranges from 5.0% to 11.0% per annum, depending on collateral, credit history, and whether the sector qualifies for SBV preferential lending programs."

→ Lai suat vay kinh doanh trung binh cho SME Viet Nam tu 5.0-11.0%/nam, phu thuoc tai san dam bao, lich su tin dung va linh vuc uu tien cua NHNN.

Lai suat vay kinh doanh trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Lai suat vay kinh doanh trung binh tai Viet Nam tieng Nhat la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam trong tieng Nhat la 平均事業融資金利 (Heikin Jigyō Yūshi Kinri).

Dinh nghia

平均事業融資金利 la lai suat cho vay kinh doanh binh quan. Tai Nhat Ban, 中小企業 (SME) co the vay tu 日本政策金融公庫 (JFC) voi 金利 tu 1.0-2.5%/nam, thap nhat the gioi. 都市銀行 (megabank) nhu 三菱UFJ, みずほ co lai suat 1.5-3.0%. So sanh voi Viet Nam, lai suat vay kinh doanh binh quan 5.0-11.0%/nam cao hon nhieu, phan anh moi truong 金融リスク (rui ro tai chinh) va 物価上昇率 (lam phat) khac biet. 日銀 (BOJ) duy tri 政策金利 gan 0% trong nhieu nam, trong khi NHNN duy tri muc 4.5%.

Cac thuat ngu lien quan

Vi du cau

「ベトナムの平均事業融資金利は年5.0～11.0%で、日本の1.0～3.0%と比べると大幅に高いですが、経済成長率も高く中小企業の資金需要が旺盛です。」

→ Lai suat vay kinh doanh trung binh tai Viet Nam la 5.0-11.0%/nam, cao hon nhieu so voi Nhat Ban 1.0-3.0%, nhung tang truong kinh te cao va nhu cau von SME lon.

Lai suat vay kinh doanh trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Lai suat vay kinh doanh trung binh tai Viet Nam tieng Han la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam trong tieng Han la 평균 사업 대출 금리 (Pyeonggyun Saŏp Daechul Geumni).

Dinh nghia

평균 사업 대출 금리 la lai suat cho vay kinh doanh binh quan. Tai Han Quoc, 중소기업 (SME) co 대출금리 binh quan 4.0-7.0%/nam tu 시중은행 (NHTM). 정책금융기관 nhu 중소벤처기업진흥공단 (SBC) cung cap 정책자금 voi lai suat 2.0-3.5%. So sanh voi Viet Nam (5.0-11.0%/nam), Han Quoc thap hon 1-4 diem phan tram. 한국은행 (BOK) 기준금리 la 3.5% (2026), trong khi NHNN Viet Nam duy tri lai suat tai cap von 4.5%.

Cac thuat ngu lien quan

Vi du cau

"베트남의 평균 사업 대출 금리는 연 5.011.0%로, 한국의 4.07.0%보다 높지만 경제 성장률이 높아 중소기업의 투자 수익률도 상대적으로 높습니다."

→ Lai suat vay kinh doanh trung binh tai Viet Nam la 5.0-11.0%/nam, cao hon Han Quoc 4.0-7.0%, nhung tang truong kinh te cao nen ty suat sinh loi cua SME cung cao tuong doi.

Lai suat vay kinh doanh trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Lai suat vay kinh doanh trung binh tai Viet Nam tieng Trung la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam trong tieng Trung la 平均企业贷款利率 (Píngjūn Qǐyè Dàikuǎn Lìlǜ).

Dinh nghia

平均企业贷款利率 la lai suat cho vay doanh nghiep binh quan. Tai Trung Quoc, 贷款市场报价利率 (LPR) 1年期 hien tai 3.45%, la lai suat tham chieu cho 中小微企业贷款 (cho vay MSME). 国有大行 co lai suat 3.5-4.5%, 城商行 va 农商行 tu 4.5-8.0%. So sanh voi Viet Nam (5.0-11.0%/nam), Trung Quoc thap hon do 央行 (PBOC) duy tri chinh sach 宽松货币 (tien te noi long). 小微企业 duoc huong 普惠金融 (tai chinh toan dien) voi lai suat uu dai duoi LPR.

Cac thuat ngu lien quan

Vi du cau

"越南的平均企业贷款利率为5.0%至11.0%，高于中国的3.5%至8.0%，但越南GDP增速达6%以上，中小企业经营回报率相对可观。"

→ Lai suat vay kinh doanh trung binh tai Viet Nam 5.0-11.0%, cao hon Trung Quoc 3.5-8.0%, nhung GDP Viet Nam tang tren 6%, ty suat sinh loi SME kha quan.

Lai suat vay kinh doanh trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.

Lai suat vay kinh doanh trung binh tai Viet Nam tieng Tay Ban Nha la gi?

Lai suat vay kinh doanh trung binh tai Viet Nam trong tieng Tay Ban Nha la Tasa promedio de prestamo empresarial (Tása promedjo de préstamo empresarjal).

Dinh nghia

Tasa promedio de prestamo empresarial la lai suat cho vay kinh doanh binh quan. Tai Tay Ban Nha, PYME (SME) vay voi tasas de interes tu 4.5-8.0%/nam, phu thuoc vao Euribor (~3.5%) cong margen bancario. Lineas ICO cung cap prestamos con garantia publica voi lai suat uu dai 3.5-5.5%. So sanh voi Viet Nam (5.0-11.0%/nam), lai suat tai Tay Ban Nha thap hon do moi truong Eurozone va chinh sach 정책금利 cua BCE (Ngan hang Trung uong Chau Au). Tipo de referencia (lai suat tham chieu) la yeu to then chot.

Cac thuat ngu lien quan

Vi du cau

"La tasa promedio de prestamo empresarial en Vietnam oscila entre el 5.0% y el 11.0% anual, superior a la media europea del 4.5-8.0%, reflejando un mayor riesgo crediticio pero tambien mayores oportunidades de crecimiento para las PYME."

→ Lai suat vay kinh doanh trung binh tai Viet Nam tu 5.0-11.0%/nam, cao hon Chau Au 4.5-8.0%, phan anh rui ro tin dung cao hon nhung co hoi tang truong lon cho SME.

Lai suat vay kinh doanh trong cac ngon ngu khac

Tim hieu them ve giai phap vay von SME

BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.