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Updated: 2019-01-28 10:26:09

Low-income households access social housing in Vietnam

(VBSP News) According to the Vietnam Bank for Social Policies (VBSP), total loan capital for the social housing program will be more than VND1.32 trillion this year, of which State budget will allocate VND663 billion and the rest will be mobilized by the bank.
Lãi suất cho vay để thuê, mua, thuê mua nhà ở xã hội trong năm 2018 sẽ là 5%/năm.

Low-income households access social housing credit program from VBSP

Last year, there were 59 cities and provinces providing social housing loans with loan outstanding balance of VND905 billion. Cities and provinces borrowed most were in the north and central of Vietnam. Ha Noi led the list with VND62 billion, Ha Tinh VND54 billion, Khanh Hoa VND52 billion, Quang Nam VND50 billion, Da Nang VND50 billion, Hung Yen VND33 billion, Thanh Hoa VND30 billion, Bac Giang VND30 billion, Bac Ninh VND26 billion, Thua Thien – Hue VND20 billion and Quang Binh VND20 billion.
The annual interest rates for preferential loans to rent and buy social housing or build, upgrade and repair houses under the Decree 100/2015 was 4.8 percent last year. This year’s annual interest rate has not been approved by the Prime Minister yet.

By Han Ni – Translated by Thuy Doan



Poor Households

Lending to poor households 6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008 3,3%/year

Near Poor Households

Lending to near poor households 7,92%/year


Lending to disadvantaged students 6,6%/year

People in need of loans for job creation

Lending to business establishments owned by war invalids and handicapped persons 3,3%/year


Term Deposit Rate
Overnight 3,04%/year
1 week 3,23%/year
2 week 3,5%/year