Notably, the 24-month lending rate reaches as high as 13.9 percent per annum. The interest rate for the remaining period equals the reference rate plus a margin of 3.5 percent per year. According to MB’s interest rate schedule for individual customers, the highest reference lending rate is 8.3 percent per year. With an added 1.5 percent per year commitment margin, the actual interest rate reaches 9.8 percent per year. MB President Luu Trung Thai said real estate credit across the entire industry is being more strictly controlled in 2026, so real estate developers must also be cautious in their project development.

Source: VietNamNet News February 21, 2026 09:06 UTC