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STATE BANK OF
VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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No. 1956/QD-NHNN
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Hanoi, December
3, 2021
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DECISION
REGARDING COMMERCIAL
BANKS’ INTEREST RATES APPLIED IN 2022 TO OUTSTANDING HOME LOANS UNDER THE
PROVISIONS OF 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
STATE BANK’S GOVERNOR
Pursuant to the Law on State Bank of Vietnam
dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated
June 16, 2010;
Pursuant to the Law on Amendments and
Supplements to the Law on Credit Institutions dated November 20, 2017;
Pursuant to the Government's Decree No.
16/2017/ND-CP dated February 17, 2017, defining the functions, tasks, powers
and organizational structure of the State Bank of Vietnam;
Pursuant to the Government’s Resolution No.
02/NQ-CP dated January 7, 2013 pertaining to several measures to relieve
business and production difficulties, support market and treat bad debts;
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Pursuant to the Circular No. 11/2013/TT-NHNN
dated May 15, 2013 of the Governor of the State Bank of Vietnam, prescribing
home loans under the Government’s Resolution No. 02/NQ-CP dated January 7,
2013;
Pursuant to the Circular No. 32/2014/TT-NHNN
dated November 18, 2014 of the Governor of the State Bank of Vietnam, amending
and supplementing several Articles of 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, amending and
supplementing several Articles of the Circular No. 11/2013/TT-NHNN dated May
15, 2013;
Upon the request of the Director of the Monetary
Policy Department,
HEREIN DECIDES
Article 1. Commercial banks’ interest rate
applied in 2022 to outstanding home loans under the provisions of 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
shall be 4.8%/year.
Article 2. This Decision shall enter into
effect as from January 1, 2022 and replace the Decision No. 2196/QD-NHNN
dated December 24, 2020 of the Governor of the State Bank of Vietnam regarding
commercial banks’ interest rate applied in 2022 to outstanding home loans under
the provisions of 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. The Chief of the Office, the
Director of the Financial Policy Department and Heads of units affiliated to
the State Bank of Vietnam, Directors of the State Bank branches located in
centrally-affiliated cities and provinces; Chairs of Management Boards, Boards
of Members and General Directors (Directors) of commercial banks providing home
loans shall be responsible for implementing this Decision./.
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PP. GOVERNOR
DEPUTY GOVERNOR
Pham Thanh Ha