New regulations on social housing loan interest rates

The State Bank of Vietnam has just issued documents regulating interest rates for loans to young people under 35 years old to buy social housing and interest rates for loans for social housing, workers' housing, and renovation and construction of old apartment buildings according to Resolution 33/NQ-CP.

Headquarters of the State Bank of Vietnam .

Specifically, in Document No. 5312/NHNN-CSTT dated June 24, 2025, the State Bank of Vietnam announced the lending interest rates of commercial banks applied to outstanding loans for young people under 35 years old to buy social housing for the period from July 1, 2025 to December 31, 2025 as follows:

The lending interest rate is 2%/year lower than the average VND medium and long-term lending interest rate of 4 state-owned commercial banks: Agribank , BIDV, Vietcombank and Vietinbank in the first 5 years of borrowing (from the first disbursement date). The lending interest rate applied from July 1, 2025 to December 31, 2025 is 5.9%/year.

The lending interest rate is 1%/year lower than the average VND medium and long-term lending interest rate of 4 state-owned commercial banks: Agribank, BIDV , Vietcombank and Vietinbank in the next 10 years of borrowing (from the first disbursement date).

In Document No. 5313/NHNN-CSTT dated June 24, 2025 regulating interest rates for loans for social housing, workers' housing, renovation and construction of old apartments according to Resolution 33/NQ-CP, the State Bank of Vietnam announced the lending interest rates of commercial banks applied to outstanding loans for customers investing in projects and buying houses in social housing projects, workers' housing, renovation and reconstruction projects of old apartments for the period from July 1, 2025 to December 31, 2025 as follows:

Loan interest rate for customers who are home buyers at the project: 5.9%/year.

Loan interest rate for customers who are project investors: 6.4%/year.

According to NDO

Source: https://baothanhhoa.vn/quy-dinh-moi-ve-lai-suat-cho-vay-nha-o-xa-hoi-253847.htm