Reduced loan interest rates for many preferential credit programs

Deputy Prime Minister Ho Duc Phoc has just signed and issued Decision No. 2553/QD-TTg dated November 21, 2025 on reducing lending interest rates for a number of policy credit programs implemented by the Vietnam Bank for Social Policies, to increase support for vulnerable groups and disadvantaged areas.

Specifically, the lending interest rate for poor households and the student loan program under Decision No. 157/2007/QD-TTg was adjusted down from 6.6%/year (equivalent to 0.55%/month) to 6.24%/year (0.52%/month).

The program for lending to households engaged in production and business in disadvantaged areas and to traders conducting commercial activities in disadvantaged areas has reduced the interest rate from 9.0%/year (equivalent to 0.75%/month) to 7.8%/year (equivalent to 0.65%/month).

The rural clean water and environmental sanitation loan program has had its interest rate adjusted down from 9.0%/year (equivalent to 0.75%/month) to 8.4%/year (equivalent to 0.70%/month).

The new interest rate will be applied from December 1, 2025 for outstanding loans at the Vietnam Bank for Social Policies.

Source: https://baodanang.vn/giam-lai-suat-cho-vay-nhieu-chuong-trinh-tin-dung-uu-dai-3311393.html