From July 1, 2026 to December 31, 2026, people under 35 years old applying for social housing loans will enjoy preferential interest rates. Specifically, for the first five years from the disbursement date, the interest rate is 6.5% per year, which is 2 percentage points lower than the average five-year mid- and long-term Vietnamese dong lending rate of four state-owned banks (Agribank, BIDV, Vietcombank, and Vietinbank). For the following ten years, the rate is 7.5% per year, which is 1 percentage point lower than that same average rate. The policy also outlines the eligible beneficiaries as of July 1, 2026, expanding the list to 13 groups, including: people with meritorious services to the revolution and relatives of martyrs; rural poor and near-poor households; rural poor/near-poor households in areas frequently affected by natural disasters and climate change; urban poor and near-poor households; low-income people in urban areas; workers employed by enterprises, cooperatives, and unions in and outside industrial zones; officers, professional soldiers, non-commissioned officers of the armed forces, police personnel, civil servants, and defense personnel serving on duty paid from the state budget; cadres, civil servants, and public employees; those who have returned government-provided housing (except when housing is reclaimed); households or individuals affected by land recovery and resettlement without compensation; university and college students; enterprises and cooperatives in industrial zones; and people with two or more children. Participating banks include Agribank, VietinBank, BIDV, Vietcombank, TPBank, VPBank, MB, Techcombank, and HDBank. The program is part of broader efforts to improve access to social housing for the young workforce and supports the goal of delivering one million social housing units by 2030.
