The State Bank of Viet Nam

The program targets to provide long-term loans with preferential interest rates to eligible enterprises investing in nationally important projects in sectors such as power infrastructure, transport, and strategic technologies in line with the Government's strategy to promote sustainable economic growth, ensure resilience, and support industrial and technological development.

Specifically, the credit package will be disbursed in two phases including: 

- From 2025 to 2026, commercial banks will collectively allocate around VND100 trillion (approximately US$4 billion), representing 20 percent of the program's total scale, for low-interest loans to eligible infrastructure projects.

- From 2027 to 2030, based on project timelines and capital needs, the remaining VND 400 trillion (about US$16 billion) will be disbursed, ensuring that no bank exceeds its committed cap.

Eligible beneficiaries are businesses seeking long-term loans for national key or priority projects in power infrastructure, transport, or strategic technology production, as defined by relevant ministries:

- For the power sector, eligible projects are listed in Document 9238/BCT-KHTC dated November 21, 2025, issued by the Ministry of Industry and Trade.

- For transport, projects are outlined in Document 14394/BXD-KHTC dated December 2, 2025, from the Ministry of Construction.

- For strategic technology, projects must be included in the "National List of Strategic Technologies and Products", per Decision 1131/QD-TTg dated June 12, 2025, and verified by the Ministry of Science and Technology.

Preferential interest rates under the program will be at least 1–1.5 percentage points lower per annum than the average lending rates for similar terms offered by the same bank.

The program will run until the end of 2030, or until the total committed amount is fully disbursed - whichever comes first.

The preferential rate applies for a minimum of two years from the date of each disbursement, but no longer than the agreed loan term.