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Loan schemes

Updated: 2016-04-15 10:52:02


Lending for job creation owners

* Lending purposes:

- To create jobs, reduce unemployement rate and change labor structure ect,.  

* Target clients:

- Sole proprietorship households, production combinations, cooperratives, the disabled enterprises, small and medium enterprises, farm owners, Labor-social education centres.

- Households.

* Loan principles:

- Using the loan properly as stated in loan purpose.

- Having obligations to repay (principal and interest) fully on time.

* Lending conditions:

- For Enterprises:

+ Having a feasible project which is compatible with its production/business fields, can create new jobs, and can attract more labors.

+ The project must have certification of Commune People’s Committee on location of the office of the enterprise in such commune.

+ Having mortgages/collaterals.

- For Households:

+ Having permanent residence at locality

+ Having a feasible project which create at least one new job.

+ Having a project or involving in a group of households project.

* Loan size:

- Enterprises: not over VND 500,000,000/project

- Households: maximum VND 20,000,000/household

- Group of households projects depend on number of households in the projects but not over VND 20,000,000/household.

* Loan terms:

- Maximum 12- month loans are applicable to: cattle-breeding, poultry raising, short-day industrial crops, fruit crops less than 12 months; small  services and businesses.

- Over 12- month to 24 - month loans are applicable to: short-day industrial crops, fruit crops over 12 months; aquaculture, raising animals of specialities, raising cattles for breeding, for meat; small scale industrial production, processing (agriculture, afforestation, aquaculture).

- Over 24- month to 36- month loans are applicable to: raising cattles for meat, milk, fur, horns; investing in buying equipments for production; medium and small road or waterway transportation facilities; equipments for fish raising and catching; taking care of fruit and industrial orchards.

* Lending interest rate:

- Loans taken before 1st/05/2009 are charged with the interest rate of 7,8%/year excepting for enterprises employing workers with disabilities (over 51 % of total workers ) which receive 50% reduce from normal interest rate . From 1st/05/2009 to 31st/12/2011 the interest rate is 3,8%/year, for enterprise using workers with disabilities (over 51%), the interest rate is 0%.



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


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


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