Bank loan interest rate for housing support in 2025 in Vietnam is at 4.7% per year
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On December 18, 2024, the Governor of the State Bank of Vietnam issued the Decision 2690/QD-NHNN regarding the interest rates applied by commercial banks in 2025 for outstanding balances of loans supporting housing according to Circular 11/2013/TT-NHNN, Circular 32/2014/TT-NHNN, and Circular 25/2016/TT-NHNN.
Article table of contents
Bank loan interest rate for housing support in 2025 in Vietnam is at 4.7% per year
The interest rate applied by commercial banks in 2025 for outstanding balances of housing support loans as stipulated in Circular 11/2013/TT-NHNN dated May 15, 2013, Circular 32/2014/TT-NHNN dated November 18, 2014, and Circular 25/2016/TT-NHNN dated July 29, 2016, is 4.7%/year.
Commercial banks with refinancing loan balances that implement the lending of housing support at the aforementioned interest rate include:
- Joint Stock Commercial Bank for Investment and Development of Vietnam
- Joint Stock Commercial Bank for Foreign Trade of Vietnam
- Vietnam Joint Stock Commercial Bank for Industry and Trade
- Vietnam Bank for Agriculture and Rural Development
- Saigon-Hanoi Commercial Joint Stock Bank
- Southeast Asia Joint Stock Commercial Bank
- Tien Phong Commercial Joint Stock Bank
- Vietnam Export Import Commercial Joint Stock Bank
- Public Joint Stock Commercial Bank
- Orient Commercial Joint Stock Bank
- Nam A Commercial Joint Stock Bank
- Lien Viet Post Joint Stock Commercial Bank
- Vietnam Thuong Tin Commercial Joint Stock Bank
- National Citizen Commercial Joint Stock Bank
- International Commercial Joint Stock Bank
- Vietnam Prosperity Joint Stock Commercial Bank
- Saigon Joint Stock Commercial Bank.
More details can be found in Decision 2690/QD-NHNN which takes effect from January 1, 2025, and replaces Decision 2303/QD-NHNN in 2023 by the Governor of the State Bank of Vietnam regarding the interest rate applied by commercial banks in 2024 for outstanding balances of housing support loans as stipulated in Circular 11/2013/TT-NHNN, Circular 32/2014/TT-NHNN, and Circular 25/2016/TT-NHNN.
- Key word:
- interest rate
- bank loan
- housing support
- Vietnam
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