Interest rates when borrowing to buy social housing according to the latest regulations
Reader thuyhuongxxx@gmail.com asked: What is the interest rate for borrowing to buy social housing according to the new regulations?
The Lao Dong Newspaper Legal Consulting Office replied:
Clause 4, Article 1, Decree 261/2025/ND-CP (effective from October 10, 2025) amends Clause 4, Article 48 of Decree No. 100/2024/ND-CP, stipulates as follows:
The lending interest rate is 5.4%/year. The overdue debt interest rate is equal to 130% of the lending interest rate. In case it is necessary to change lending interest rates, assign the Social Policy Bank to preside over and coordinate with the Ministry of Construction and relevant agencies to submit to the Prime Minister for consideration and decision.
Thus, from October 10, 2025, interest rates for loans to buy social housing are regulated as above.
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