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News updates related to lending

Average lending interest rates in July 2026: No banks reduced rates, the highest was 11.34%/year.

Of the 19 commercial banks that have released data for July 2026, none have reduced their average lending interest rates, with increases ranging from 0.02 to 1.37 percentage points.

Market

The Prime Minister instructed banks to substantially reduce lending interest rates and increase credit growth.

The Prime Minister instructed the State Bank of Vietnam to maintain the policy interest rate, stabilize the market, reduce capital costs, and channel credit into production sectors.
Lowering lending interest rates is a challenge when the economy needs 38.5 million billion VND in medium and long-term capital.

Total outstanding loans in the economy reached nearly 20.3 million billion VND, but deposit growth lagged behind credit growth, putting pressure on interest rates and long-term liquidity.

Outstanding real estate loans at 12 banks reached over 1.12 trillion VND in the first six months of the year.

As of June 30, 2026, outstanding real estate loans of 12 banks reached over 1.12 trillion VND, with 8 banks recording an increase in the proportion of credit extended to the market.
The State Bank of Vietnam has requested a minimum 1% reduction in lending interest rates for small and medium-sized enterprises.

The State Bank of Vietnam requires banks to apply preferential lending interest rates that are at least 1.0% lower per year from August 2026, for small and medium-sized enterprises and priority sectors.
Do Thanh People's Credit Fund announces information

The Do Thanh People's Credit Fund hereby announces the following changes in accordance with Decision No. 317/QD-KV8 dated May 28, 2026:
The average lending interest rate at 8 banks exceeded 10% per year.

Data from June 2026 shows a strong divergence in the credit market, with 8 banks maintaining lending interest rates above 10% per year, even though the Big4 group is beginning to show signs of cooling down.

Dien My People's Credit Fund Announces Information
June 15, 2026 16:49

The Dien My People's Credit Fund hereby announces the following changes in accordance with Decision No. 269/QD-KV8 dated May 19, 2026:
Xuan Hoa People's Credit Fund announces information
June 3, 2026 17:22

Xuan Hoa People's Credit Fund hereby announces the following changes in accordance with Decision No. 125/QD-KV8 dated March 18, 2026 and Decision No. 297/QD-KV8 dated May 26, 2026:
Nghi Xuan People's Credit Fund announces information
May 27, 2026 16:19

Nghi Xuan People's Credit Fund hereby announces the following changes in accordance with Decision No. 279/QD-KV8 dated May 21, 2026:
Nghia Thuan People's Credit Fund announces information
May 27, 2026 08:47

Nghia Thuan People's Credit Fund respectfully announces the amendment and supplementation of its License regarding the name, charter capital, and scope of operations as follows:
Hung Tien People's Credit Fund announces information
May 21, 2026 09:27

Changes to business activities are made in accordance with Decision No. 259/QD-KV8, dated May 18, 2026, of the State Bank of Vietnam, Regional Branch 8, regarding the amendment and supplementation of the license for the capital level...
Nghi Huong People's Credit Fund announces information
May 21, 2026 08:56

Nghi Huong People's Credit Fund hereby announces the following changes in accordance with Decision No. 229/QD-KV8 dated May 11, 2026:
Dien Ky People's Credit Fund announces information
May 15, 2026 09:06

The Dien Ky People's Credit Fund hereby announces the following changes in accordance with Decision No. 221/QD-KV8 dated May 8, 2026:
Nghi Tan People's Credit Fund announces information
May 12, 2026 15:36

Nghi Tan People's Credit Fund hereby announces the following changes in accordance with Decision No. 212/QD-KV8 dated May 4, 2026:
Dien Cat People's Credit Fund announces information
April 23, 2026 10:50

Dien Cat People's Credit Fund announces information (attached is the request for publication of information content in the operating license of the legal representative of the People's Credit Fund...).
With falling interest rates, real estate is not a priority for lending.
April 12, 2026 07:38

Not only deposit interest rates, but lending interest rates have also begun to be reduced by banks in order to support the economy.
Loan interest rates in February 2026: Techcombank and BVBank significantly increase rates by nearly 2% annually.
March 18, 2026 06:59

Data from 25 commercial banks shows that the upward trend in lending interest rates prevailed in February 2026, with the highest adjustments seen at Techcombank and BVBank.
Rising deposit interest rates – What pressure will this put on lending interest rates?
March 17, 2026 12:34

In recent days, deposit interest rates at many commercial banks have tended to rise again, especially for medium and long-term periods. This move is believed to be aimed at attracting deposits...
Lending interest rates at more than 20 banks have increased sharply, with GPBank leading the way with an adjustment of 2.13%.
January 22, 2026 05:27

Lending interest rates in December 2025 showed an upward trend at most banks, reflecting pressure from rising deposit interest rates in the final months of the year.
Interest rates in 2026 are projected to be highly differentiated, with deposit rates potentially increasing by another 1%.
January 15, 2026 13:48

Vietcombank Securities (VCBS) forecasts that deposit interest rates in 2026 will face upward pressure of 0.7-1 percentage point, while lending interest rates will remain low.
Lending interest rates rose in November, with 3/4 of the Big4 banks joining the trend.
December 22, 2025 05:21

Average lending interest rates in November showed a widespread upward trend, with 15 out of 23 banks adjusting their rates upwards, including 3 members of the Big4 group.

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