People under 35 years old borrowing money to buy social housing enjoy an interest rate of 5.9%/year.

From July 1 to the end of 2025, people under 35 years old who borrow money to buy social housing will enjoy an interest rate 2% lower per year than the average medium- and long-term loan interest rate of 4 banks: Agribank, BIDV, Vietcombank and VietinBank in the first 5 years, equivalent to 5.9% per year. In the next 10 years of borrowing, the interest rate is 1% lower per year than the above average.

For projects under Resolution 33/NQ-CP of the Government (Resolution No. 33/NQ-CP dated March 11, 2024 of the Government on a number of solutions to remove obstacles and promote the safe, healthy and sustainable development of the real estate market), the loan interest rate for buyers of social housing, workers' housing, projects to renovate and rebuild old apartments is 5.9%/year; for project investors it is 6.4%/year.

Above are the contents newly announced by the State Bank on July 2, 2025.

Hoang Loc

Source: https://baodongnai.com.vn/kinh-te/202507/nguoi-duoi-35-tuoi-vay-tien-mua-nha-o-xa-hoi-duoc-huong-muc-lai-suat-59nam-94111ad/