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  • Effectiveness of Policy Credit in the Highland Areas 15-04-2025, 10:00 am
    Effectiveness of Policy Credit in the Highland Areas
    Identifying poverty reduction as a key task in local economic development and social security assurance, the Party Committee and government of Bac Kan province have implemented many comprehensive and effective solutions. One of the core measures has been mobilizing all available resources and capital for the implementation of social policy credit, contributing to transforming the landscape of this Northeastern region.
  • Over 120,000 Poor Households in Tay Ninh Have Been Able to Timely Access to Preferential Credit 14-04-2025, 4:54 pm
    Over 120,000 Poor Households in Tay Ninh Have Been Able to Timely Access to Preferential Credit
    Policy credit is not only an extended arm of the government in poverty reduction efforts but also a powerful driver helping poor households and disadvantaged students get more opportunities to rise in life.
  • VBSP's Progress Report - Quarter 1/2025 11-04-2025, 5:01 pm
    VBSP's Progress Report - Quarter 1/2025
  • Hai Duong Farmers Change Their Lives Thanks to Preferential Credit 11-04-2025, 11:10 am
    Hai Duong Farmers Change Their Lives Thanks to Preferential Credit
    Thanks to policy credit from the Vietnam Bank for Social Policies (VBSP), many farming households in Minh Hoa commune, Kinh Mon town (Hai Duong province) have successfully invested in efficient agricultural models. Especially, the softshell turtle and fish farming models have generated high incomes for local farmers.
  • VBSP Nam Dan District: Empowering Progress in the New Era 09-04-2025, 9:51 am
    VBSP Nam Dan District: Empowering Progress in the New Era
    In recent years, Nam Dan District (Nghe An Province) has achieved significant accomplishments in socio-economic development, contributing to the implementation of policies that link economic growth with poverty reduction and social security. These efforts align with the national goal of building a prosperous people, a strong country and a democratic society - ready to stride confidently into a new era, the era of national advancement.
  • Bringing Inclusive Fund to Remote Areas: Stories of Dedication 09-04-2025, 8:59 am
    Bringing Inclusive Fund to Remote Areas: Stories of Dedication
    For credit officers at VBSP Tay Giang District (Quang Nam Province), the challenges go far beyond navigating treacherous, rugged terrain. Their greatest task lies in finding ways to communicate effectively and ensure that capital reaches the hands of the people - especially those living in remote and isolated areas.
  • Contribute to improving the lives of policy beneficiaries and low-income workers 04-04-2025, 5:30 pm
    Contribute to improving the lives of policy beneficiaries and low-income workers
    The social housing loan program under Decree No. 100/2015/ND-CP of the Government on the development and management of social housing through the Vietnam Bank for Social Policies (VBSP) in the province with preferential interest rates has been helping thousands of households of officials, civil servants, and low-income workers stabilize their housing, realize their dream of "settling down and having a career", and improve their lives.
  • Provincial Social Policy Bank Representative Board: Deploying tasks for 2025 04-04-2025, 5:28 pm
    Provincial Social Policy Bank Representative Board: Deploying tasks for 2025
    On February 26, the Provincial Social Policy Bank (SPB) Representative Board held a conference to deploy tasks for 2025. Comrade Ngo Vu Thang - Vice Chairman of the Provincial People's Committee, Deputy Head of the Provincial SPB Representative Board chaired the conference.
  • Social Policy Bank, Hai Duong province branch, commends excellent and creative workers 04-04-2025, 5:21 pm
    Social Policy Bank, Hai Duong province branch, commends excellent and creative workers
    At the conference, 24 collectives and individuals with outstanding achievements in the emulation movement for the period 2020 - 2025 were commended and rewarded by the Vietnam Bank for Social Policies.
  • Reduce the burden when relatives work abroad 04-04-2025, 5:16 pm
    Reduce the burden when relatives work abroad
    Preferential loans for workers working abroad under contracts implemented by the Vietnam Bank for Social Policies (VBSP) have partly helped many families reduce the burden of having relatives working abroad.
  • Deputy Prime Minister Ho Duc Phoc chairs a working session with VBSP 27-03-2025, 5:03 pm
    Deputy Prime Minister Ho Duc Phoc chairs a working session with VBSP
    On March 27, Deputy Prime Minister Ho Duc Phoc chaired a working session with the Vietnam Bank for Social Policies (VBSP) to review its performance and discuss future directions. The meeting was attended by Ms. Nguyen Thi Hong - Governor of the State Bank of Vietnam and Chairwoman of VBSP’s Board of Directors (BOD) along with representatives from relevant agencies.
  • Policy credit helps poor households eliminate temporary and dilapidated houses 20-03-2025, 2:07 pm
    Policy credit helps poor households eliminate temporary and dilapidated houses
    Implementing Decision No. 07/2025/QĐ-UBND dated January 16, 2025, of the People's Committee of Binh Dinh Province on providing housing loan support for poor and near-poor households in the province until the end of 2025, VBSP Binh Dinh Provincial Branch has promptly disbursed loan funds to help eligible poor and near-poor households build new houses or repair existing ones to ensure stable livelihoods.
  • Policy credit contributes to sustainable poverty reduction 19-03-2025, 4:55 pm
    Policy credit contributes to sustainable poverty reduction
    With the determination “no one left behind” in the journey of poverty reduction, the social policy credit programs of the Party and the State are considered a deeply humanitarian initiative. These programs have become a highlight in implementing the national target program on poverty reduction, contributing to social security.
  • Effectiveness of Loan Capital for Formerly Incarcerated Individuals 18-03-2025, 3:33 pm
    Effectiveness of Loan Capital for Formerly Incarcerated Individuals
    Thanks to loan capital from VBSP Tam Nong District (Dong Thap), many formerly incarcerated individuals have been able to start their own businesses, generate stable income and successfully reintegrate into the community.
  • Eliminating temporary and dilapidated houses with policy credit funds 13-03-2025, 10:28 am
    Eliminating temporary and dilapidated houses with policy credit funds
    Dak Lak is striving to eliminate temporary and dilapidated houses for poor and near-poor households by 2025. Social policy credit serves as a crucial resource, helping local authorities support residents in securing stable housing and providing motivation for them to get out of poverty.
  • Policy credit supports ethnic minority youth in starting businesses 13-03-2025, 10:27 am
    Policy credit supports ethnic minority youth in starting businesses
    From the preferential loan funds of VBSP, Ms. Ka Thuy Diem, a Ma ethnic minority resident of Village 3, Loc Lam Commune, Bao Lam District (Lam Dong), has gained additional financial resources to pursue her dream of establishing a career and prospering on her hometown.
  • Effectiveness of Policy Credit in Nghia Hanh District 11-03-2025, 1:33 pm
    Effectiveness of Policy Credit in Nghia Hanh District
    Not only does it help reduce transaction time and workload, but the policy credit management application of VBSP also enables Heads of Savings and Credit Groups to better monitor capital sources, ensuring accuracy in all interest collection and savings deposit activities. The application of credit management technology not only optimizes management processes but also plays a crucial role in enhancing the quality of policy credit activities in Nghia Hanh District (Quang Ngai).
  • Women play an important role in growth of Vietnam's banking sector 10-03-2025, 2:15 pm
    Women play an important role in growth of Vietnam's banking sector
    March brings the vibrant echoes of spring, filling every street with its lively colors. It is also the time when we joyfully celebrate International Women’s Day on March 8. In harmony with this spirit, on March 7, 2025, the Committee for the Advancement of Women in the Banking Sector, in collaboration with the Vietnam Bank Trade Union, has organized a ceremony to commemorate the 115th anniversary of International Women’s Day (March 8) and the 1985th anniversary of the Hai Ba Trung Uprising…
  • Ex-prisoners stabilize their lives thanks to policy credit 07-03-2025, 2:18 pm
    Ex-prisoners stabilize their lives thanks to policy credit
    After more than one year, the credit policy for former prisoners in Thai Nguyen Province has yielded positive results. However, to ensure the program's sustainable effectiveness, certain obstacles need to be addressed...
  • Study Tour of Bankers Institute of Rural Development (BIRD) to the Vietnam Bank for Social Policies (VBSP) 05-03-2025, 9:28 am
    Study Tour of Bankers Institute of Rural Development (BIRD) to the Vietnam Bank for Social Policies (VBSP)
    As part of the membership collaboration within the Asia-Pacific Rural and Agricultural Credit Association (APRACA), at the end of February 2025, the Bankers Institute of Rural Development (BIRD), Lucknow, India conducted a training cum exposure visit to Vietnam Bank for Social Policies (VBSP) to exchange experiences in value chain financing in agriculture, allied and rural sectors. This visit aims at strengthening bilateral cooperation between the two institutions, with a focus on financial inclusion and supporting vulnerable rural communities. The BIRD delegation, comprising of Ms Anukampa Jha & Mr Amit Kumar Lal, Deputy General Managers and Faculty Members from BIRD Lucknow and other participants from banks, Microfinance institutions, NBFCs, Consultancy firms, NGOs, etc. was warmly welcomed by Mr. Duong Quyet Thang - General Director of VBSP.
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PHOTO ARTICLES

LENDING INTEREST RATE

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

Students

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
Others...

DEPOSIT INTEREST RATE

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