New regulations on interest rates for social housing loans

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, worker 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 applicable to outstanding loans to young people under 35 years old for purchasing social housing for the period from July 1, 2025 to December 31, 2025 as follows:

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

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

In document No. 5313/NHNN-CSTT dated June 24, 2025, regulating interest rates for loans for social housing, worker housing, and renovation and reconstruction of old apartment buildings according to Resolution 33/NQ-CP, the State Bank of Vietnam announces the lending interest rates of commercial banks applicable to outstanding loans to customers investing in projects and purchasing housing in social housing projects, worker housing projects, and renovation and reconstruction projects of old apartment buildings for the period from July 1, 2025 to December 31, 2025 as follows:

The lending interest rate for customers who are homebuyers in the project is 5.9% per year.

The lending interest rate for customers who are project developers is 6.4% per year.

According to NDO

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