The State Bank of Vietnam has just issued documents No. 5312/NHNN-CSTT and 5313/NHNN-CSTT dated June 24, 2025, regulating the interest rate for loans to buy social housing from July 1 to December 31, 2025.
People under 35 who borrow to buy social housing are entitled to an interest rate 2%/year lower than the average medium and long-term VND lending interest rate of Agribank, BIDV, Vietcombank, Vietinbank in the first 5 years, equivalent to 5.9%/year. In the next 10 years of borrowing capital, the interest rate will be 1%/year lower than the above average.
For projects under Resolution 33/NQ-CP, the State Bank stipulates the loan interest rate for buyers of social housing, workers' housing, and projects to renovate and rebuild old apartments at 5.9%/year; for project investors at 6.4%/year.
This interest rate applies to outstanding loans disbursed in the period from July 1, 2025 to December 31, 2025.
