Many banks have been given more credit capacity.

The State Bank of Vietnam did not include the additional outstanding loans for social housing and industrial zones in the 2026 real estate credit growth limit for 25 banks.

The State Bank of Vietnam has just issued Official Letter No. 4551/NHNN-CSTT on credit growth in 2026 to 25 credit institutions. Accordingly, credit institutions are not required to include the additional outstanding credit balance compared to the end of 2025 for social housing and industrial parks/export processing zones in their outstanding credit balance for the real estate sector.

Businesses that own land for social housing projects have easier access to credit. Photo: KL

This means that this additional credit balance will not be included in the overall real estate credit growth limit of banks. The list of 25 banks that have been given this opportunity includes: VietinBank, Agribank, BIDV, MSB, Sacombank,ACB , OCB, VietABank, PGBank… These banks will have more room to optimize their loan portfolios and increase income-generating assets without being pressured by real estate credit growth limits.

Source: Official Letter No. 4551/NHNN-CSTT.

This move aims to help direct credit flows into certain types of real estate that are consistent with the policies and guidelines of competent authorities at all levels regarding real estate market development and socio-economic development.

The industrial real estate sector is considered to be the biggest beneficiary, gaining better access to medium and long-term capital to accelerate land clearance, complete infrastructure, and attract foreign direct investment. In the social housing segment, businesses also have more opportunities to access favorable credit sources.

Source: https://nongnghiepmoitruong.vn/nhieu-ngan-hang-duoc-them-du-dia-tin-dung-d814071.html