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The residential land support loan for implementation of the National target program on socio-economic development of ethnic minority and mountainous regions
Decree No. 28/2022/ND-CP dated April 26, 2022 of the Government on preferential credit policies for implementation of the National target program on socio-economic development of ethnic minority and mountainous regions in the 2021-2030 period, the first phase: 2021 – 2025.
Borrowers of residential land support loans include poor ethnic minority households and poor Kinh households that legally reside in communes and villages with extremely difficult conditions in ethnic minority and mountainous regions.
They must fully meet the following conditions:
- Legally reside in the localities and be included in the list of households eligible for the residential land support policy approved by a competent agency.
- The households’ representative members for loans must be full eighteen years of age or older and have full civil act capacity as prescribed by law regulations.
- Have a loan borrowing plan in conformity with the loan use purposes.
The loan size is up to 50 million VND/household to cover expenses for residential land acquisition.
The interest rate shall be 3%/year and the overdue debt interest rate shall be equal to 130% of the loan interest rate.
VBSP and borrowers shall reach an agreement on loan terms but must not exceed 15 years.
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LENDING INTEREST RATE
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DEPOSIT INTEREST RATE
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