The interest rate for housing loans in 2025 is 4.7% per annum.
The interest rate for housing loans in 2025 is set at 4.7% per annum, applicable to outstanding loan balances under current regulations.
Specifically, this interest rate applies to loans under Circular No. 11/2013/TT-NHNN dated May 15, 2013, Circular No. 32/2014/TT-NHNN dated November 18, 2014, and Circular No. 25/2016/TT-NHNN dated July 29, 2016.
This decision will take effect from January 1, 2025, replacing the previous decision. The new interest rate is 0.1% per year lower than the 4.8% per year rate applied in 2024. This is an effort to support individuals and businesses in accessing preferential capital for housing-related purposes.
The purpose of the loan is to support housing for individuals and households wishing to buy, rent, or lease-to-own social housing; rent or buy commercial housing; or build new or renovate existing housing. Eligible borrowers include those buying, renting, or lease-to-own housing; businesses investing in the construction of social housing; and businesses investing in the construction of commercial housing that has been converted into social housing as announced by the Ministry of Construction.
In addition, the Appendix attached to Decision No. 2690/QD-NHNN also announced the list of 17 commercial banks participating in this program. These banks include BIDV, Vietcombank, VietinBank, Agribank, SHB, SeABank, TPBank, Eximbank, PVCombank, OCB, NamABank, LPBank, VietBank, NCB, VIB, VPBank, and SCB, which are designated to provide refinancing for housing support loans.
