Accordingly, from January 1, 2026 to December 31, 2026, credit institutions are allowed to include outstanding loans for social housing and industrial parks/export processing zones in their real estate credit balances when considering real estate credit growth. This regulation is expected to create more room for banks to expand credit into priority sectors, contributing to the healthy and sustainable development of the real estate market.
The State Bank of Vietnam's document states that the adjustments aim to facilitate credit institutions in providing funding in line with the policy of developing the real estate market and socio-economic development goals. At the same time, the regulatory body also requires banks to continue strictly implementing previous directives on lending activities to the real estate sector.
The list of institutions receiving directives this time includes 25 credit institutions, among which are many large banks such as VietinBank, Agribank, BIDV, Techcombank, ACB, Sacombank, Eximbank,SHB , LPBank, TPBank, VIB, OCB, ABBank, SeABank, MSB and PVcomBank.
The State Bank of Vietnam's latest move comes as the real estate market needs more financial resources to promote social housing projects, industrial park infrastructure, and related production and business sectors. Encouraging capital flows into priority segments is expected to contribute to supporting economic growth, while meeting housing needs and industrial development in the coming period.
Source: https://hanoimoi.vn/25-ngan-hang-nhan-chi-dao-moi-ve-tin-dung-bat-dong-san-976407.html
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