# Vietnam central bank loan regulation reforms

> Live situation record from CLSTR: https://clstr.news/situations/vietnam-central-bank-loan-regulation-reforms
> Updated: 2026-07-31T08:59:56.000Z. Sources: 10. Developments: 3.

In early July 2026 the State Bank of Vietnam issued Circular 29/2026, raising the ceiling for small‑value loans from 100 million to 400 million dong and adding electronic‑lending limits and stricter identity checks. The measure, effective 15 August, was aimed at widening credit access for households and micro‑enterprises while tightening recovery of overdue loans.

Later that month the regulator removed interbank loan‑deposit limit provisions from a draft circular governing transactions among credit institutions and foreign bank branches, arguing that existing law already covers internal risk controls. The amendment also permitted electronic transaction amendments and streamlined confirmation processes, preserving short‑term interbank practices.

At the end of July, the bank issued Decision 1743/QD‑NHNN, effective 1 August 2026 through 31 July 2028, to increase the portion of Treasury term‑deposit balances that can be deducted when calculating the loan‑to‑deposit ratio from 20 % to 50%. The change, part of Circular 25/2026 amending banking safety ratios and short‑term funding limits, is intended to give commercial banks more capacity to expand credit in support of the government’s 10 % growth target while maintaining macro‑economic stability.

Together, these steps show a continued push by Vietnam’s central bank to liberalise loan‑related regulations, broaden credit availability, and adapt the supervisory framework to growing fintech activity and macro‑policy goals.

## Timeline

### 2026-07-31: State Bank of Vietnam raises LDR deduction ratio to 50%

Vietnam's State Bank issued Decision 1743/QD‑NHNN, raising the Treasury deposit deduction in LDR calculations from 20% to 50% effective 1 Aug 2026, to boost credit while preserving liquidity.

7 sources. https://clstr.news/cluster/state-bank-of-vietnam-raises-ldr-deduction-ratio-to-50

### 2026-07-22: Vietnam central bank to drop interbank loan‑deposit limit rules

Vietnam's central bank will delete loan‑deposit limit rules from a draft interbank regulation, citing redundancy and simplifying the framework.

2 sources. https://clstr.news/cluster/vietnam-central-bank-to-drop-interbank-loandeposit-limit-rules

### 2026-07-01: Vietnam Central Bank raises small‑loan cap to 400 million dong

Vietnam's central bank lifts the small‑loan ceiling to 400 million dong, removing income‑proof requirements and adding new overdue‑debt and e‑lending rules effective 15 Aug 2026.

3 sources. https://clstr.news/cluster/vietnam-central-bank-raises-smallloan-cap-to-400-million-dong

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Cite as: Vietnam central bank loan regulation reforms. CLSTR, https://clstr.news/situations/vietnam-central-bank-loan-regulation-reforms