INTEREST RATE ANNOUNCEMENT OF NEW CAR LOAN FOR CORPORATE CUSTOMERS – 07/2025 – Dịch vụ Tài chính Lexus Việt Nam

1. Interest Rate by Products

Apply for disbursement from 01/07/2025 to further announcement.

Product		BALLOON	CLASSIC & BALLOON		50/50	50/50 PLUS
		OPTIMAL		FLEXIBLE	FIXED	OPTIMAL
Interest Rate Period	Promotion months	6.99%/year (fixed first 12 months)	7.49%/year (fixed first 12 months)	10.49%/year (fixed first 6 months)	7.49%/year (fixed in 12 months)	6.99%/year (fixed in first 12 months)
	After promotion months	*Standard Rate* (3 months reset)				*Standard Rate* (6 months reset)
Conditions		Minimum loan term is 24 months		Minimum loan term is 12 months	Loan term is 12 months	Loan term is 24 or 36 months
Early Payment Fee		Apply early payment fee: – First 24 months: 4% x early payment amount. – After 24 months: 2% x early payment amount. – Not apply early payment fee: *+ Classic:* after 60^th month. *+ Balloon:* after 35^th month.		Not apply	Apply early payment fee: – First 06 months: 2% x early payment amount. – After 6^th month: not apply.	Early payment fee: *– 24-month loan: + First 18 months: 4% x* early payment amount. + After 18^th month: not apply. *– 36-month loan:* + First 24 months: 4% x early payment amount. + After 24^th month: not apply.

* The effect of the interest rate in the notice may be adjusted according to the latest notice of LFS.
* Interest calculation method: Interest payment = (Outstanding balance x Actual payment days x Annual interest rate/ 365). Annual interest rate is calculated: 1 year = 365 days.

2. Standard Rate Calculation

Product	CLASSIC & BALLOON	50/50 PLUS
Base rate^*(current effectiveness)	9.35% – 9.70%/year
Spread^*(current effectiveness)	3.00%/year	2.00%/year
Standard rate	12.35% – 12.70%/year	11.35% – 11.70%/year