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Loan schemes

Updated: 2016-04-15 11:17:36

BUSINESSES USING DRUG-DETOXIFIED EMPLOYEES

To implement preferential credit policies for business & production units, enterprises with drug-detoxification employees as follow:

- VBSP mobilizes funds or receives entrusted funds from provincial, or municipal budgets  to conduct lending to business & production units and enterprises with Drug-detoxification employees in provinces and cities under the Central Government which the Prime Minister has approved the implementation of the pilot project on “Management, vocational training and job creation for the drug-detoxified employees ” in accordance to the Resolution No.16/2003/QH11 dated June 17, 2008 of the National Assembly.

- Budgets of provinces and cities under the Central Government which has been approved the implementation of  the pilot project on “Management, vocational training and job creation for the drug-detoxification ” shall conduct fund entrustment and interest margin and operational cost subsidy to VBSP for lending to business & production units, enterprises with drug-detoxification employees.

* Target clients:

- Households, business & production units, enterprises with after drug-detoxification employees who are target beneficiaries of  the pilot project on “Management, vocational training and job creation for the drug-detoxification ” of  provinces and cities under the Central Government  ratified by the Prime Minister.

* Borrowers have to satisfy following requirements

- Having feasible business & production projects, plans and full capacity to make repayments as agreed commitments.  

- Such projects and plands should use labors who are the after drug-detoxification. The number of drug-detoxification workers in total labors of the projects and plans are determined by provincial and municipal  People’s Commitee.

* Loan utilization:

- Purchasing materials, machines, facilities, expanding working places; purchasing means of transportation, fishing facilities in order to improve business and production capacity.

- Purchasing materials, seed plants, domestic animals, making payments for production and business services.

* Loan sizes:

- Households: not exceed VND 20,000,000/household.

- Enterprises: not exceed VND 500,000,000/project.

* Lending interest rate:

- 7.8%/year for loan taken before May 1st, 2009. From May 1st, 2009 to December 31st, 2009 the interest rate is 3.8%/year.

- Overdue rate is 130% of the contract rate.

* Lending methods:

- Households: Lending is partially entrusted to mass organisations.

- Enterprises and production units: Lending is fully conducted at provincial or district VBSP.

PHOTO ARTICLES

LENDING INTEREST RATE

Poor Households

Lending to poor households 6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008 3,3%/year

Near Poor Households

Lending to near poor households 7,92%/year

Students

Lending to disadvantaged students 6,6%/year

People in need of loans for job creation

Lending to business establishments owned by war invalids and handicapped persons 3,3%/year
Others...

DEPOSIT INTEREST RATE

Term Deposit Rate
Overnight 3,04%/year
1 week 3,23%/year
2 week 3,5%/year
Others...