According to Mr. Ha, since the implementation of the credit program under Resolution 33, the State Bank has proactively coordinated closely with ministries, branches, and localities and directed commercial banks and branches in provinces and cities to actively participate in the program.
In particular, a hotline system was established, each project and each investor was reviewed to specifically assess the difficulties and obstacles in accessing loan capital.
To date, the State Bank has issued 11 documents directing the credit system and local branches to remove bottlenecks in mechanisms and policies. In addition, this agency has also coordinated with the Ministry of Construction to organize and participate in 10 conferences to promote the implementation of the program nationwide.
In particular, following the direction of the Prime Minister , the State Bank issued Official Letter No. 55 dated January 3, 2025, allowing commercial banks participating in the program not to count outstanding loans in the annual credit growth target. This is considered a breakthrough to help banks boldly disburse.
In addition, two other guiding documents have also been issued, requiring credit institutions to regularly review loan processes, procedures, and documents in a simplified manner, creating more favorable conditions for people and businesses while still ensuring compliance with legal regulations.
Deputy Governor Pham Thanh Ha said that up to now, 9 commercial banks have registered to participate in the program with a total commitment limit of up to 145,000 billion VND.
Regarding lending interest rates, the State Bank has continuously directed credit institutions to cut costs, promote the application of information technology and use flexible management measures to reduce lending interest rates.
Since the program was implemented, there have been 5 interest rate adjustments in a decreasing direction. Currently, the lending interest rate for investors is 6.6%/year, and for home buyers is 6.1%/year.
As of April 30, 2025, 38/63 provinces and cities have sent documents or announced a list of social housing projects eligible to participate in the program. A total of about 100 projects nationwide have been included in the credit support list.
Of this, commercial banks have committed to disbursing about VND7,800 billion, of which VND3,866 billion has been disbursed. The capital provided to investors alone accounts for VND3,281 billion, while the remaining VND585 billion is for people to borrow to buy houses.
According to a summary report from local State Bank branches, of the 100 social housing projects included in the program, 53 projects have received loans.
There are 28 projects that do not need loans because they have managed their own capital or have not yet reached the stage of needing to mobilize capital. The remaining 19 projects, most of which have just been announced, are currently in the process of being appraised and considered for capital support by commercial banks.
Source: https://baodaknong.vn/ngan-hang-thuong-mai-cam-ket-rot-7-800-ty-dong-cho-100-du-an-nha-o-xa-hoi-254464.html
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