According to Decree 338/2025 (effective from January 1, 2026), workers aged 15 and above with labor capacity and employment needs are eligible for loan policies to support job creation, maintenance, and expansion from the Vietnam Bank for Social Policies.
Maximum Loan Limit Doubles
From January 1, 2026, the maximum loan amount for workers is 200 million VND, double the current limit.
Based on the capital source and repayment ability of the borrower, the Vietnam Bank for Social Policies will agree on a specific loan amount.
Vietnam Bank for Social Policies – Ho Chi Minh City Branch provides loans to workers.
If local socio-economic conditions permit, provincial People’s Committees can propose to the Provincial People’s Councils to set higher maximum loan limits for local budget funds entrusted to the Vietnam Bank for Social Policies.
The maximum loan term is 120 months. The bank will consider the capital source and repayment ability of the borrower to agree on the loan term.
The interest rate is 127% of the loan interest rate for poor households, as stipulated by the Prime Minister for each period.
The following workers will enjoy the same interest rate as poor households:
– Ethnic minority workers from poor households;
– Kinh ethnic workers from poor households living in areas with particularly difficult socio-economic conditions as defined by the Government;
– Workers with disabilities;
– Workers in households directly caring for severely disabled individuals; workers fostering severely disabled individuals;
– Workers borrowing to work abroad under contracts who are ethnic minorities from poor households or Kinh ethnic from poor households in difficult areas;
– Other cases determined by the Government based on socio-economic conditions and employment needs.
Loan Application Process
Workers in need of loans for job creation, maintenance, or expansion should submit their applications to the Vietnam Bank for Social Policies.
Within 7 working days of receiving a complete application, the bank will notify the loan approval result.
The bank will also provide detailed guidance on application documents and loan procedures to ensure a smooth and flexible process.
Dong Thap: Surpassing Budget Targets, Attracting Investment, and Creating Over 55,000 Jobs
Amidst prevailing challenges, Đồng Tháp has emerged as a beacon of economic and social vitality. The province’s state budget revenue for the first 11 months of 2025 has already surpassed the annual target, while robust investment inflows, a surge in newly established businesses, and the creation of over 55,000 jobs underscore its remarkable progress.
Exciting News for Southern Social Housing Borrowers
The Social Policy Bank of Dong Nai has recently reduced its interest rates on social housing loans for all customers with outstanding balances. The new rate is now 5.4% per annum, down from the previous 6.6% per year. This adjustment applies to those who have borrowed to purchase or lease-purchase social housing through the bank.
Adjusting Social Housing Loan Interest Rates to 5.4%
Unlock your dream home with the Social Policy Bank’s exclusive housing loan offer. Enjoy a reduced interest rate of just 5.4% per year, down from the previous 6.6%, making it easier than ever to purchase or lease social housing. This unparalleled opportunity ensures affordability and accessibility for your housing needs. Act now and take advantage of this limited-time offer to secure your future home.
“Navigating the Soaring Housing Market: Strategies for Homebuyers to Secure Their Dream Homes Without Breaking the Bank”
The soaring property prices in Hanoi, Ho Chi Minh City, and many other major cities in Vietnam are making homeownership increasingly unattainable for many. Amidst this challenging landscape, prospective buyers are faced with the fear of missing out (FOMO) and the temptation to speculate. How, then, can one make smart property purchases during this time of skyrocketing prices?
“A $126 Million Industrial Park Project in Tay Ninh: Generating 25,000 New Jobs”
The Thu Thua Industrial Park in Tay Ninh is set to become a major hub of economic activity, offering employment opportunities to approximately 25,000 individuals. This significant development will undoubtedly boost the provincial budget revenues and catalyze further growth in the region.
