On October 20, 2025, the State Bank of Vietnam, Regional Branch 2 (\u201cState Bank\u201d), issued Official Letter No. 5553\/KV2-TTRA, sending a warning to commercial banks in Ho Chi Minh City and Dong Nai Province, requesting the temporary suspension of loans for the purpose of paying real estate deposits under Agreement Documents (or similar forms) (\u201cAgreement Documents\u201d) between customers and consulting, brokerage and investors.<\/p>\n
According to the State Bank, recently the authority has received numerous complaints from citizens regarding banks granting loans for paying deposits under Agreement Documents. This type of lending poses legal risks, potential loss of loaned capital, and may lead to prolonged disputes.<\/p>\n
Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u1eabn ch\u1ee9ng v\u1eeba qua T\u00f2a \u00e1n nh\u00e2n d\u00e2n Khu v\u1ef1c 7 TP. H\u1ed3 Ch\u00ed Minh \u0111\u00e3 ban h\u00e0nh b\u1ea3n \u00e1n (ch\u01b0a c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt), trong \u0111\u00f3 x\u00e1c \u0111\u1ecbnh n\u1ed9i dung c\u1ee7a V\u0103n b\u1ea3n th\u1ecfa thu\u1eadn n\u00e0y vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt v\u00e0 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 117 v\u00e0 \u0110i\u1ec1u 123 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n
Additionally, the Ho Chi Minh City Department of Construction issued an administrative penalty on October 7, 2025, against a consulting and brokerage company for conducting real estate business in projects that did not meet legal conditions or were not permitted for commercial transactions, related to signing Agreement Documents with customers.<\/p>\n
Previously, the Binh Thuan Department of Construction (former) issued Official Letter No. 962\/SXD-QLN&PT\u0110T on April 14, 2023, requesting investors and brokerage units not to carry out any transactions such as buying, selling, reservation, or position registration, etc. for projects that do not yet meet legal conditions.<\/p>\n
When Agreement Documents are contrary to the law and declared invalid, commercial banks face legal risks in recovering the loaned amounts.<\/p>\n
To mitigate risks and stabilize the credit market, the State Bank requires commercial banks in the area to closely follow the handling and rulings of the Courts and relevant regulatory authorities regarding the Agreement Documents in order to take timely actions and protect the legitimate rights and interests of both their customers and the banks. Furthermore, Commercial banks must also immediately suspend lending for paying real estate deposits under Agreement Documents until an official determination on the legality of the transactions is issued.<\/p>\n
Based on the contents of the above-mentioned document, it is evident that the directive issued by the State Bank of Vietnam in the current context is necessary to ensure credit safety, mitigate non-performing loan risks, and protect the legitimate rights and interests of both the public and banks. Commercial banks are advised to review their credit portfolios, especially loans related to deposits, reservation, or position registrations for real estate projects that have not yet met legal requirements. Meanwhile, individuals should exercise caution when signing Agreement Documents and only proceed with deposits or transactions with consulting or brokerage entities for projects that have been publicly disclosed and fully comply with the current legal regulations.<\/p>","protected":false},"excerpt":{"rendered":"
V\u00e0o ng\u00e0y 20\/10\/2025, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam Chi nh\u00e1nh Khu v\u1ef1c 2 (\u201cNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u201d) \u0111\u00e3 ban h\u00e0nh V\u0103n b\u1ea3n s\u1ed1 5553\/KV2-TTRA ph\u00e1t \u0111i c\u1ea3nh b\u00e1o \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i tr\u00ean \u0111\u1ecba b\u00e0n TP. H\u1ed3 Ch\u00ed Minh v\u00e0 t\u1ec9nh \u0110\u1ed3ng Nai, y\u00eau c\u1ea7u t\u1ea1m d\u1eebng vi\u1ec7c cho vay \u0111\u1ec3 thanh […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1132","post","type-post","status-publish","format-standard","hentry","category-tin-tuc"],"acf":[],"_links":{"self":[{"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/posts\/1132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/comments?post=1132"}],"version-history":[{"count":3,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/posts\/1132\/revisions"}],"predecessor-version":[{"id":1209,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/posts\/1132\/revisions\/1209"}],"wp:attachment":[{"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/media?parent=1132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/categories?post=1132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tin-associates.com.vn\/en_us\/wp-json\/wp\/v2\/tags?post=1132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}