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Press Release

Updated: 2022-09-08 10:02:35

Increasing the loan size for Disadvantaged Student Program

I. Target customers

Disadvantaged students attending to universities (or equivalent levels), colleges, technical schools and vocational training institutions established and operating under Vietnamese law, including:

1. Students who have lost their parents or have only lost their father or mother but the other cannot work.

2. Member of households that fall into one of the following categories:

- Poor households prescribed by law.

- Near-poor households prescribed by law.

- Households have an average standard of living prescribed by law.

3. Students are facing financial difficulties due to accidents, illness, natural disasters, fires, epidemics in the studying period, certified by the local People's.

II. Loan size and lending interest rate

1. Maximum loan size: VND 4 million/month/person

2. Lending interest rate: Being decided by Prime Minister from time to time. The current rate is 6.6%/year.

III. Loan term

Loan term = disbursement term + 12 months + repayment term

- Disbursement term: is the period from the first disbursement date until the last day of the course

- Repayment period:

+ For training programs with the period of up to one year, the maximum repayment period is equal to 2 times of the disbursement term.

+ For training programs over one year, the maximum repayment period is equal to the disbursement term.




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