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THE STATE BANK
OF VIETNAM
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THE SOCIALIST
REPUBLIC OF VIET NAM
Independence-Freedom-Happiness
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No. 2690/QD-NHNN
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Hanoi, December
18, 2024
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DECISION
PRESCRIBING INTEREST
RATES IMPOSED BY COMMERCIAL BANKS IN 2025 ON OUTSTANDING DEBTS OF CONCESSIONAL
HOUSING LOANS GRANTED UNDER CIRCULAR NO. 11/2013/TT-NHNN DATED MAY 15, 2013,
CIRCULAR NO. 32/2014/TT-NHNN DATED NOVEMBER 18, 2014 AND CIRCULAR NO.
25/2016/TT-NHNN DATED JULY 29, 2016
THE GOVERNOR OF THE STATE BANK OF VIETNAM
Pursuant to the Law on the State Bank of Vietnam
dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated
January 18, 2024;
Pursuant to the Government's Decree No.
102/2022/ND-CP dated December 12, 2022 prescribing functions, tasks, powers and
organizational structure of the State Bank of Vietnam (SBV);
Pursuant to the Government’s Resolution No.
02/NQ-CP dated January 07, 2013 providing guidelines for dealing with
difficulties arising from business operations, market assistance and bad debt
settlement;
Pursuant to the Government’s Resolution No.
61/NQ-CP dated August 21, 2014 providing amendments to the Government’s
Resolution No. 02/NQ-CP dated January 07, 2013;
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Pursuant to the Circular No. 32/2014/TT-NHNN
dated November 18, 2014 of the Governor of the State Bank of Vietnam providing
amendments to the Circular No. 11/2013/TT-NHNN dated May 15, 2013;
Pursuant to the Circular No. 25/2016/TT-NHNN
dated July 29, 2016 of the Governor of the State Bank of Vietnam providing
amendments to the Circular No. 11/2013/TT-NHNN dated May 15, 2013;
At the request of the Director of the Monetary
Policy Department;
HEREIN DECIDES:
Article 1. The interest rate imposed by
commercial banks in 2025 on outstanding debts of concessional housing loans
granted under the Circular No. 11/2013/TT-NHNN dated May 15, 2013, the Circular
No. 32/2014/TT-NHNN dated November 18, 2014 and the Circular No.
25/2016/TT-NHNN dated July 29, 2016 is 4,7%/year.
Article 2. This Decision comes into force
from January 01, 2025 and supersedes Decision No. 2303/QD-NHNN dated December
11, 2023 of the Governor of the State Bank of Vietnam prescribing the interest
rate imposed by commercial banks in 2024 on outstanding debts of concessional
housing loans granted under the Circular No. 11/2013/TT-NHNN dated May 15,
2013, the Circular No. 32/2014/TT-NHNN dated November 18, 2014 and the Circular
No. 25/2016/TT-NHNN dated July 29, 2016.
Article 3. Chief of the Ministry Office, the
Director of the Monetary Policy Department and heads of units affiliated to the
State Bank of Vietnam, and commercial banks granting concessional housing loans
shall be responsible for the implementation of this Decision./.
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