According to the Decree No. 261/2025 of the Government, from October 10, 2025, the interest rate for loans to buy social housing will be reduced to 5.4%/year instead of 6.6% as before.

According to the Decree 261, many regulations that have been supplemented facilitate low income earners to access social housing policies. The maximum income of individuals eligible for loans to buy social housing has increased to 20 million VND/month, instead of 15 million VND as before; for couples it is 40 million VND/month.

In the case of single people raising children under the age of majority, the maximum income is at 30 million VND/month. Income is confirmed according to the salary and wage table provided by the agency or enterprise where the borrower works. As of the end of September this year, the Bank for Social Policies, Hai Phong Branch, has disbursed a cumulative 1,096 billion VND to 2,788 borrowers to buy social housing. It is expected that by the end of 2025, the unit will disburse an additional 200 billion VND to 400 customers. This interest rate reduction policy is expected to create more favorable conditions for low-income people, workers, civil servants and laborers to access social housing,