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Updated: 2016-04-15 11:52:40

LENDING TO EMIGRANT HOUSEHOLDS OF ETHNIC MINORITIES FOR SETTLEMENT

LENDING TO EMIGRANT HOUSEHOLDS OF ETHNIC MINORITIES FOR SETTLEMENT

Lending to emigrant households in ethnic minorities for settlement

Applicable to emigrant households of ethnic minorities who already settle down and have permanent residence in adherence to Decision No. 33/2007/QD-TTg of the Prime Minister:

* If the emigrant households of ethnic minorities are poor households satisfying prevailing regulations, VBSP shall lend to them as to the poor. Lending procedures are as stipulated in Document No. 316/NHCS-KH dated 2/5/2003 on guidance on lending to poor households; Document No. 2628/NHCS-NVTD dated 15/12/2004 named guidance on lending to partially meet essential living needs of poor households on house repairment, clean water, electricity and education; and Document No. 676/NHCS/TD dated 22/4/2007 on adjustment of document No. 316/NHCS/KH of the General Director of VBSP on guidance to lending to poor households.

* If the emigrant households of ethnic minorities are the extremely disadvantaged living in communes listed in administration units of  disadvantaged areas in compliance with Decision No. 30/2007/QD-TTg dated 5/3/2007 of the Prime Minister, VBSP shall lend to the households in adherence to Decision No. 32/2007/QD-TTg dated 5/3/2007 of the Prime Minister. Lending procedures are as stipulated in Document No. 678/NHCS-TD dated 22/4/2007 of the General Director of VBSP on “Guidance on lending in compliance with Decision No. 32/2007/QD-TTg dated 5/3/2007 of the Prime Minister on providing loans to extremely disadvantaged households of ethnic minorities”.

* If the emigrant households of ethnic minorities are households living in communes listed in administration units of  disadvantaged areas in compliance with Decision No. 30/2007/QD-TTg dated 5/3/2007 of the Prime Minister, VBSP shall lend to the households in adherence to Decision No. 31/2007/QD-TTg dated 5/3/2007 of the Prime Minister. Lending procedures are as stipulated in Document No. 677/NHCS-TD dated 22/4/2007 of the General Director of VBSP on “Guidance on lending in compliance with Decision No. 31/2007/QD-TTg dated 5/3/2007 of the Prime Minister on providing loans to business and productive households in disadvantaged areas”.

* If the emigrant households of ethnic minorities employ after drug-detoxification labors, VBSP shall lend to the households in adherence to Decision No. 212/2006/QD-TTg dated 20/9/2006 of the Prime Minister. Lending procedures are as stipulated  Document No. 682/NHCS-TD dated 23/4/2007 of the General Director of VBSP on “Guidance on lending in compliance with Decision No. 212/2006/QD-TTg dated 20/9/2006 of the Prime Minister on providing loans to business, production and service units and enterprises employing the after drug-detoxification”.

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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...