{"id":1725,"date":"2026-04-01T10:39:09","date_gmt":"2026-04-01T03:39:09","guid":{"rendered":"https:\/\/www.lexusfinancial.com.vn\/?p=1725"},"modified":"2026-04-01T10:39:09","modified_gmt":"2026-04-01T03:39:09","slug":"thong-bao-lai-suat-vay-mua-xe-lexus-cho-khach-hang-ca-nhan-thang-04-2026","status":"publish","type":"post","link":"https:\/\/www.lexusfinancial.com.vn\/en\/thong-bao-lai-suat-vay-mua-xe-lexus-cho-khach-hang-ca-nhan-thang-04-2026\/","title":{"rendered":"INTEREST RATE ANNOUNCEMENT OF NEW CAR LOAN FOR INDIVIDUAL CUSTOMERS \u2013 04\/2026"},"content":{"rendered":"
\n
1. Interest Rate by Products<\/strong><\/span><\/p>\n

Apply for disbursement from 01\/04\/2026 to further announcement.<\/span><\/p>\n\n\n\n\n\n\n\n\n
Product<\/strong><\/span><\/td>\nCLASSIC & BALLOON<\/strong><\/span><\/td>\n50\/50<\/strong><\/span><\/td>\n50\/50 PLUS<\/strong><\/span><\/td>\n<\/tr>\n
OPTIMAL<\/span><\/td>\nFLEXIBLE<\/span><\/td>\nFIXED<\/span><\/td>\nOPTIMAL<\/span><\/td>\n<\/tr>\n
Interest Rate Period<\/strong><\/span><\/td>\nPromotion months<\/strong><\/span><\/td>\n8.49%\/year
\n<\/strong>(fixed first 12 months)<\/em><\/span><\/span><\/td>\n		11.49<\/strong>%\/year<\/strong>
\n(fixed first 6 months)<\/em><\/span><\/span><\/td>\n		9.49%\/year
\n<\/strong>(fixed in 12 months)<\/em><\/span><\/span><\/td>\n		7.99%\/year
\n<\/strong>(fixed in first 12 months)<\/em><\/span><\/span><\/td>\n<\/tr>\n
After promotion months<\/strong><\/span><\/td>\nStandard Rate
\n<\/em><\/strong>(3 months reset)<\/em><\/span><\/td>\n		\u00a0<\/strong><\/span><\/td>\nStandard Rate
\n<\/em><\/strong>(6 months reset)<\/em><\/span><\/td>\n<\/tr>\n
Conditions<\/strong><\/span><\/td>\nMinimum loan term is
\n24 months<\/span><\/td>\n		Minimum loan term is
\n12 months<\/span><\/td>\n		Loan term is 12 months<\/span><\/td>\nLoan term is
\n24 or 36 months<\/span><\/td>\n<\/tr>\n
Early Payment Fee<\/strong><\/span><\/td>\nApply early payment fee:
\n<\/em>– First 24 months: 4% x early payment amount.
\n<\/em>– From 25th<\/sup> \u2013 36th<\/sup> month: 3% x early payment amount.
\n<\/em>– From 37th<\/sup> \u2013 48th<\/sup> month: 2% x early payment amount.
\n<\/em>– From 49th<\/sup> \u2013 60th<\/sup> month: 1% x early payment amount.
\n<\/em>– Not apply early payment fee:
\n<\/em>+ Classic:<\/em><\/strong> after 60th<\/sup> month.
\n<\/em>+ Balloon:<\/strong> after 35th <\/sup>month.<\/em><\/span><\/td>\n		Not apply<\/em><\/span><\/td>\nApply early payment fee:<\/em><\/span><\/p>\n

– First 06 months: 2% x early payment amount.<\/em><\/span><\/p>\n

– After 6th<\/sup> month: not apply.<\/em><\/span><\/td>\n

 <\/p>\n

Early payment fee<\/em>:<\/em><\/p>\n

– 24-month loan<\/em><\/strong>:
\n<\/em>+ First 18 months: 4% x <\/em>early payment amount.
\n<\/em>+ After 18th<\/sup> month: not apply.<\/em><\/p>\n

– 36-month loan:
\n<\/em><\/strong>+ First 24 months: 4% x <\/em>early payment amount.
\n<\/em>+ After 24th<\/sup> month: not apply.<\/em><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

* The effect of the interest rate in the notice may be adjusted according to the latest notice of LFS.
\n<\/em><\/span>* 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.<\/em><\/span><\/span><\/p>\n

2. Standard Rate Calculation
\n<\/strong><\/span><\/p>\n\n\n\n\n\n\n
\u00a0Product<\/strong><\/span><\/td>\nCLASSIC & BALLOON<\/strong><\/span><\/td>\n50\/50 PLUS<\/strong><\/span><\/td>\n<\/tr>\n
Base rate* <\/sup><\/strong>(current effectiveness)<\/em><\/span><\/td>\n9.65% \u2013 10.50%<\/strong>\/year<\/span><\/td>\n<\/tr>\n
Spread* <\/sup><\/strong>(current effectiveness)<\/em><\/span><\/td>\n3.30<\/strong>%\/year<\/span><\/td>\n2.00<\/strong>%\/year<\/span><\/td>\n<\/tr>\n
Standard rate<\/strong><\/span><\/td>\n12.95% \u2013 13.80%<\/strong>\/year<\/span><\/td>\n11.65% \u2013 12.50%<\/strong>\/year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

*Specific standard rates are based on payment schedules and\/or other official announcements from LFS.<\/em><\/p>\n

Estimate your loan at:\u00a0Here<\/a><\/strong><\/span><\/p>\n

** Average interest rate: Here.<\/a><\/strong><\/span><\/p>\n

Lexus dealers in Vietnam or Lexus Financial Services (LFS) office<\/strong><\/span><\/p>\n

Headquarters:<\/strong><\/span>
\nRooms 04 & 05, 12th floor, Saigon Center Building 2, No. 67 Le Loi, Sai Gon ward, Ho Chi Minh City.<\/span><\/p>\n

Representative office:<\/strong><\/span>
\n8th floor, Lotte Center 54 Lieu Giai, Giang Vo Ward, Ha Noi City.<\/span><\/p>\n<\/div>\n

<\/p><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

1. Interest Rate by Products Apply for disbursement from 01\/04\/2026 to further announcement. Product CLASSIC & BALLOON 50\/50 50\/50 PLUS OPTIMAL FLEXIBLE FIXED OPTIMAL Interest Rate Period Promotion months 8.49%\/year (fixed first 12 months) 11.49%\/year (fixed first 6 months) 9.49%\/year (fixed in 12 months) 7.99%\/year (fixed in first 12 months) After promotion months Standard Rate…<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1725","post","type-post","status-publish","format-standard","hentry","category-thong-bao-lai-suat"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/posts\/1725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/comments?post=1725"}],"version-history":[{"count":0,"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/posts\/1725\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lexusfinancial.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}