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Updated: 2025-05-16 14:05:35

VBSP's Preferential Loan Scheme for Social Housing

As of Apr. 28, 2025, the total outstanding loans of VBSP reached VND 386 trillion (approx. USD 14,9 billion), an increase of VND 18,8 trillion (~USD 723 million) compared to the end of 2024, in which, the total outstanding loan for social housing were VND 10,3 trillion (~USD 397 million), taking account of 2.66% of the total loan portfolio of the whole system. In the first 03 months of 2025, the credit growth of social housings' loan schemes have supported the construction of more than 1,200 residential dwellings for the poor and 1,800 social housings for low-income groups.

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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...