blue-check In 2023: The interest rate applicable to concessional housing loans shall be increased to 5%/year

Decision No. 2081/QD-NHNN dated December 12th, 2022 of the State Bank of Vietnam on interest rate imposed by commercial banks in 2023 on outstanding debts of concessional housing loans provided according to Circular No. 11/2013/TT-NHNNstatus2 dated May 15th, 2013 and Circular No. 32/2014/TT-KHNN dated November 18th, 2014 and Circular No. 25/2016/TT-NHNN dated July 29th, 2016
Posted: 14/12/2022 1:01:10 PM | Latest updated: 15/12/2022 3:59:34 PM (GMT+7) | LuatVietnam: 5603 | Vietlaw: 590

In 2023 the interest rate applicable to outstanding debts of concessional housing loans regulated at Circular No. 11/2013/TT-NHNNstatus2 ; Circular No. 32/2014/TT-NHNN and Circular No. 25/2016/TT-NHNN shall be increased from 4.8% to 5.0% per annum.

This Decision takes effect from January 1st, 2023 and replaces Decision No. 1956/QD-NHNNstatus1 dated December 3rd, 2021.

Ms Phuong Thao (
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Effective Date 1-Jan-2023
ExpiredDate Unknown
Published Vietlaw's Newsletter No. 590

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Interest rate

blue-check Re-discount interest rate and interest rate on overnight loans shall be reduced from March 15th, 2023
blue-check The maximum interest rate applicable to short-term loans denominated in VND shall be reduced to 5% per annum
blue-check Interest rate on late payment of social insurance contributions in 2022: 4.19%/year
blue-check In 2023: The interest rate applicable to concessional housing loans shall be increased to 5%/year
blue-check The maximum interest rate applicable to term deposits less than 6 months shall be increased to 6.0%/year
blue-check New regulations on application of interest rates on premature withdrawal of deposits
blue-check Interest rates of deposits made by the State Treasury and Deposit Insurance of Vietnam at the SBV shall be reduced
blue-check Interest rates applicable to deposits of financial companies shall be reduced to 0.8%/year
blue-check Loan interest rate of the Small and Medium Enterprise Development Fund: 4.16% per annum
blue-check Methods for calculation of interest incurred from depositing and credit extension, applicable from 2018
blue-check From July 10th, 2017: Re-financing interest rate is reduced to 6.25% per annum
blue-check The SBV requests for tightening of adherence to the regulations on deposit interest rate
blue-check From December 18th, 2015: interest rate on USD deposits made by individuals is reduced to 0%/year
blue-check Interest rates of investment credit loans and export credit loans are further reduced from May 19th, 2015
blue-check The interest rate applicable to short - term loans in VND is reduced to 7%/year
blue-check The maximum interest rate of deposits in USD of individuals is reduced to 0.75%/year
red-check Guidelines for provision of interest rate support and subsidy on interest rate difference for implementation of supportive policies on reduction of agricultural losses
blue-check Floating interest rates of VND deposits with term from 6 months or more
blue-check The Bank will be suspended capital mobilization if violated interest rate ceiling
blue-check Not allowed to exceed 14% pa of mobilization interest rate covering all of promotional terms