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Q&A

QUESTION AND ANSWER ON LENDING

INTRODUCTION

In line with the direction by the Chairman of BODs and the General Director of VBSP, under the permission by the Ministry of Culture and Information (the Publish Permit No.228/GP-CXB issued by the Publish Department dated September 11, 2006), VBSP has published a handbook on the lending mechanism, furnishing you with information on the regulations and policies applicable to the poor and other policy beneficiaries. The handbook is structured into: Foreword; Part I: Overview on VBSP; Part II: Questions and Answers on lending, which is divided into two Sections: Section I presents the regular-asked questions and answers on all lending programmes in general (07 questions: from Question 1 to Question 7), Section II presents questions and answers on each lending programme in particular (63 questions: from Question 8 to Question 70) such as: Lending programme to the poor, to the disadvantaged students, to the migrant workers for limited duration, Lending programme for housing purpose with deferred payment at Cuu Long River Delta, for safe water and rural environment sanitation; Policies on bad debts. For lending programme for job creation only, as the governance and management mechanism of the programme goes changing, questions and answers on the issue is not available at the moment.

The handbook of questions and answers on lending is hoped to help VBSP’s credit staff better understand the lending mechanism to avoid all faults in preferential policies practice. VBSP will update all information in the handbook of questions – answers on VBSP’s website.

It is of our honor to present to you!

 

CUSTOMER'S QUESTIONS

You can mail your questions to:

VIETNAM BANK FOR SOCIAL POLICIES

Address: CC5 Building, Linh Dam, Hoang Mai district, Hanoi, Vietnam

Tel: (84-4) 36 417 211

Email: icd@vbsp.vn

Or you can fill the following form:

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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...