Real estate credit
Millions of billions of VND in credit are buried in real estate
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Millions of billions of VND in society are in real estate such as land, apartments, villas and many of these are still inactive.
Real estate is a pillar of asset security for banks, but it is also a weakness
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Outstanding real estate debt increased by nearly 24% in the first half of 2025. Experts warn of the risks when banks over-reliance on mortgaged property such as real estate.
Banks promote real estate lending, hold huge amounts of mortgaged assets with real estate
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Many banks recorded a sharp increase in the value of mortgaged real estate and outstanding loans for real estate business in the first 6 months of 2025.
Real estate credit balance increased sharply, reaching the highest mark since 2023
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The Ministry of Construction said that real estate credit balance increased sharply at the beginning of this year. Liquid real estate attracts foreign investment in the first 6 months of 2025.
Credit increases, real estate businesses still lack money
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Although the real estate credit growth figures are very large, real estate businesses still complain about cash flow.
VND3.48 trillion in outstanding real estate credit debt
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According to the Governor of the State Bank, the outstanding real estate credit balance of the system is currently VND3.48 trillion, but many projects are facing difficulties.
Real estate businesses' thirst for capital has not yet subsided
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Many real estate businesses are still lacking capital even though real estate credit has increased sharply.
Solving capital problems for real estate businesses
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HCMC - Project implementation capital is always a big problem for real estate businesses.
Real estate market remains lackluster
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HCMC - Low apartment supply and weak liquidity have caused the real estate market to be in a less vibrant state.
SBV: "The bank refuses to lend not necessarily because the credit room is gone!"
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Credit in the first 6 months of 2022 is the highest in the past 10 years. Recently, some banks have reported that the credit room is gone because banks increased credit too quickly in the first 6 months of the year. The refusal to lend to customers is not necessarily due to running out of room but may also be due to having to ensure safety ratios, or some low-ranking banks do not have high credit growth..., said a representative of the State Bank.
State Bank Governor: Real estate credit increased sharply by over 12%
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The hottest information has just been announced by State Bank Governor Nguyen Thi Hong that the State Bank has no intention of adjusting the credit increase target of 14% as set out at the beginning of this year. Credit in the first 6 months of 2022 increased by 9.35%. Notably, real estate credit increased sharply in the first half of 2022.
