Reduce lending interest rates for some policy credit programs

Deputy Prime Minister Ho Duc Phoc has just signed Decision No. 2553/CD-TTg dated November 21, 2025 on adjusting and reducing lending interest rates for a number of policy credit programs at the Vietnam Bank for Social Policies.

Disbursement of loans from the Vietnam Bank for Social Policies in Tam Chuc ward, Ninh Binh province. Photo: Nguyen Chinh/VNA

Accordingly, the interest rate for loans to the poor and students (according to Decision No. 157/2007/QD-TTg dated September 27, 2007 of the Prime Minister ) is adjusted down from 6.6%/year (0.55%/month) to 6.24%/year (0.52%/month).

Interest rates for loans to households engaged in production and business in disadvantaged areas and loans to traders conducting commercial activities in disadvantaged areas are adjusted down from 9.0%/year (0.75%/month) to 7.8%/year (0.65%/month).

Interest rate for loans for clean water supply and rural environmental sanitation is adjusted down from 9.0%/year (0.75%/month) to 8.4%/year (0.70%/month).

The lending interest rates for policy credit programs in this Decision shall be applied from December 1, 2025 for outstanding loans at the Vietnam Bank for Social Policies.

The Decision clearly states that Ministers, Heads of ministerial-level agencies, Heads of Government agencies, Governor of the State Bank of Vietnam , Chairman of the Board of Directors, General Director of the Vietnam Bank for Social Policies and Heads of relevant agencies are responsible for implementing this Decision.

Source: https://baotintuc.vn/kinh-te/giam-lai-suat-cho-vay-mot-so-chuong-trinh-tin-dung-chinh-sach-20251122164228873.htm