LENDING IN ACCORDANCE WITH DECISION NO. 30/2009/QD-TTg DATED 23/2/2009

LENDING IN ACCORDANCE WITH DECISION NO. 30/2009/QD-TTg DATED 23/2/2009

Credit program on supporting employees losing their jobs in enterprises with difficulties caused by economic slowdown following the Decision No. 30/2009/QD-TTg dated 23rd February 2009 issued by the Prime Minister.

* Target clients:

- Employees losing their jobs in 2009 in enterprises with difficulties caused by the economic downturn which have to reduce the number of employees by at least 30% (casual employees with working duration less than 03 months are not taken into account);

- Employees losing their jobs whose employers decamped in 2009;

- Employees working aboard but losing job caused by the difficulties of their enterprises and having to return before the due of labour contract.

* Loan policy

- Eligible borrowers are subject to borrow from National Fund on Employment under the National Target Program for Employment to create job themselves within 12 months since the time of unemployment.

- Eligible borrowers are subject to borrow for vocational study in compliance with Decision No. 157/2007/QĐ-TTg dated 27/9/2007 of the Prime Minister on student loan within 12 months since the time of unemployment.

- Eligible borrowers are subject to borrow from Immigration worker loan program as applied to policy beneficiaries in adherence to Decision No. 365/2004/QD-NHNN dated 13/4/2004 of the State Bank of Vietnam within12 months since the time of unemployment or the day he/she comes back to Vietnam.

3.3. Loan amount.

Loan amount for borrowers in compliance with Decision No.30/2009/QD-TTg are as regulated in prevailing documents of each loan program.

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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...