{"id":3745,"date":"2019-07-30T09:26:57","date_gmt":"2019-07-30T09:26:57","guid":{"rendered":"https:\/\/www.asiapropertyawards.com\/?p=3745"},"modified":"2021-06-04T14:34:38","modified_gmt":"2021-06-04T07:34:38","slug":"banks-still-ready-to-lend-despite-central-bank-tightening","status":"publish","type":"post","link":"https:\/\/www.asiapropertyawards.com\/en\/banks-still-ready-to-lend-despite-central-bank-tightening\/","title":{"rendered":"Vietnam lenders still ready for housing risk despite central bank tightening"},"content":{"rendered":"<p>Recent draft circular proposes to make adjustments to Circular 36\/2014\/TT-NHNN<\/p>\n<figure id=\"attachment_3746\" aria-describedby=\"caption-attachment-3746\" style=\"width: 1000px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"size-full wp-image-3746\" src=\"https:\/\/www.asiapropertyawards.com\/wp-content\/uploads\/2019\/07\/shutterstock_1421988932.jpg\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.asiapropertyawards.com\/wp-content\/uploads\/2019\/07\/shutterstock_1421988932.jpg 1000w, https:\/\/www.asiapropertyawards.com\/wp-content\/uploads\/2019\/07\/shutterstock_1421988932-300x200.jpg 300w, https:\/\/www.asiapropertyawards.com\/wp-content\/uploads\/2019\/07\/shutterstock_1421988932-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-3746\" class=\"wp-caption-text\">Panorama of district 2 in HCMC, Vietnam. demamiel62\/Shutterstock<\/figcaption><\/figure>\n<p>Vietnamese banks still have abundant liquidity and are equipped to lend to risky sectors such as property, <a href=\"http:\/\/vietnamnews.vn\/economy\/523282\/banks-keen-on-housing-sector-despite-sbv-tightening.html\" target=\"_blank\" rel=\"noopener noreferrer\">Viet Nam News<\/a> reported, citing central bank officials.<\/p>\n<p>Nguyen Quoc Hung, director of the State Bank of Vietnam\u2019s credit department, reassured media that the recent draft circular would help the central bank manage liquidity risks. However, \u201cthough we all know real estate is a business with high risks, it does not mean the banks restrict lending to the sector,\u201d he said.<\/p>\n<p>The draft circular sets the risk weight asset ratio to 150 percent for mortgages worth VND3 billion (USD126,000) and 100 percent for loans worth VND1.5-3 billion. The current ratio for both loan types is 50 percent.<\/p>\n<p><a href=\"https:\/\/www.asiapropertyawards.com\/vietnams-most-vibrant-architecture-practices\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>More: Vietnam\u2019s most vibrant architecture practices<\/strong><\/a><\/p>\n<p>It also aims to gradually reduce the ratio of short-term deposits used for medium- and long-term loans until 2022. It will be reduced from 40 percent to 30 percent by July 2020.<\/p>\n<p>Tightening access to credit for home purchases is unnecessary since the residential sector drives other sectors such as construction as well as cement and steel production, according to a spokesman for the Vietnam Real Estate Association.<\/p>\n<p>Hung countered that credit tightening will be enforced equitably on all sectors. \u201cBanks do not lack capital but need to limit risks. So they will only lend to effective projects that meet legal requirements and prove to be profitable.\u201d<\/p>\n<p>Outstanding loans to the real estate sector rose 3.29 percent in the first quarter of 2019.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recent draft circular proposes to make adjustments to Circular 36\/2014\/TT-NHNN<\/p>\n","protected":false},"author":8,"featured_media":20204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[92],"tags":[132,415,301],"class_list":["post-3745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-hcmc","tag-ho-chi-minh-city","tag-viet-nam","news_country-vietnam","news_author-property-report"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vietnam 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