LENDING INTEREST RATE

No.

Credit Program / Eligible Borrowers

Interest Rate

I

Poor households, as defined by the poverty standards in effect at the relevant time

6.24%/year

II

Near-poor households, as defined by the near-poverty standards in effect at the relevant time

7.488%/year

III

Post-poor households, as defined by regulations

7.8%/year

IV

Disadvantaged students

6.24%/year

V

Loans for job creation

1. Employees

7.9248%/year

2. Employees who are ethnic minorities belonging to poor households

6.24%/year

3. Employees who are Kinh people belonging to poor households living in areas with particularly difficult socio-economic conditions

6.24%/year

4. Persons with disabilities; employees in households directly nurturing and caring for persons with severe disabilities; employees fostering and caring for persons with severe disabilities

6.24%/year

5. Small and medium-sized enterprises, cooperatives, cooperative unions, cooperative groups, and household businesses

7.9248%/year

6. Production and business establishments employing 30% or more of their total workforce from at least one of the following groups: persons with disabilities, ethnic minorities, ex-prisoners who have completed their sentences, individuals who have completed compulsory education measures, and individuals who have completed compulsory drug rehabilitation

6.24%/year

VI

Loan Program for Supporting Residential Land, Housing, Productive Land, Vocational Transition, and Value Chain-Based Production Development under the Government’s Decree No. 28/2022/ND-CP dated April 26, 2022

1. Ethnic minority poor households; Kinh poor households legally residing in extremely disadvantaged communes or extremely disadvantaged villages in ethnic minority and mountainous areas, borrowing loans for productive land support or vocational transition

3.12%/year

2. Poor households borrowing loans for value chain-based production development

3.12%/year

3. Near-poor households; enterprises (in production, processing, and business) and cooperatives participating in value chains employing at least 70% of their total workforce as ethnic minorities, borrowing loans for value chain-based production development

3.744%/year

4. Enterprises, cooperatives, cooperative unions, households, and organizations engaged in production and business activities in particularly difficult areas inhabited by ethnic minority communities and mountainous regions, employing at least 50% of their total workforce as ethnic minorities, participating in the precious medicinal herbs project approved by the competent authority.

3.96%/year

VII

Loan for workers going abroad for employment under contract

1. Employees going to work abroad under contracts

7.9248%/year

2. a) Employees who are ethnic minorities belonging to poor households;
    b) Employees who are Kinh people belonging to poor households currently residing in areas with particularly difficult socio-economic conditions as prescribed;
    c) Other beneficiaries as decided by the Government based on socio-economic conditions and demand for employment support loans;

6.24%/year

VIII

Loan program for deposit purposes for workers going to work in South Korea under the EPS (Employment Permit System) Program

a) Workers from poor households, as defined by the poverty standards in effect at the relevant time;

b) Workers from near-poor households, as defined by the near-poverty standards in effect at the relevant time;

c) Workers who are ethnic minorities;

d) Workers who are relatives of persons with meritorious services to the revolution, as prescribed;

đ) Employees whose land has been expropriated in   accordance with regulations.

6.24%/year

IX

Loans under the Prime Minister’s decisions

1. Loans for safe water and rural sanitation

8.4%/year

2. Loans for households engaged in production and business in disadvantaged areas

7.8%/year

3. Loans for traders conducting commercial activities in disadvantaged areas

7.8%/year

4. Loans to support poor households for housing

3%/year

5. Installment housing loans in the Mekong Delta

3%/year

6. Social housing loans under Government Decree No. 100/2024/ND-CP

5.4%/year

7. Loans for Southern grassroots youth volunteers who participated in the resistance during 1965–1975 under Government Decree No. 112/2017/ND-CP

6.24%/year

8. Loans for ex-offenders who have completed their prison sentences under Decision No. 22/2023/QD-TTg

6.24%/year

X

Other beneficiaries using ODA funds or grant-funded capital

1. Loans for forestry development

6.24%/year

2. Loans for small and medium-sized enterprises (SMEs) under the KfW program

9%/year

3. Loans for the Financial Inclusion Expansion Project for Persons with Disabilities (Nippon Project)

6.24%/year