Thông tư 28/2014/TT-NHNN về vay ưu đãi lãi suất hỗ trợ các huyện nghèo

THE STATE BANK OF VIETNAM

Circular No. 28/2014/TT-NHNN dated October 01, 2014 of the State Bank of Vietnam amending, supplementing a number of Articles of the Circular No. 06/2009/TT-NHNN dated April 09, 2009 of the State Bank of Vietnam regulatingin details the policy on lending with preferential interest rate under the program of supporting poor districts at Resolution No.30a/2008/NQ-CP dated 27/12/2008 of the Government

Pursuant to the Law on Vietnam State Bank No. 46/2010/QH12 dated June 16, 2010;

Pursuant to Law on Credit Institutions No. 47/2010/QH12 dated June 16, 2010;

Pursuant to the Decree No. 156/2013/ND-CP dated November 11, 2013 of the Government defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

Pursuant to the Resolution No. 30a/2008/NQ-CP on the support program for fast and sustainable poverty reduction in 61 poor districts;

At the proposal of the Director of the Department of Credit for economic sectors:

The State Bank Governor promulgates the Circular amending, supplementing a number of Articles of the Circular No. 06/2009/TT-NHNN dated April 09, 2009 regulatingin details the policy on lending with preferential interest rate under the program of supporting poor districts at Resolution No.30a/2008/NQ-CP dated 27/12/2008 of the Government.

Article 1. To amend, supplement Clause 2 Article 3 of the Circular No. 06/2009/TT-NHNNdated April 09, 2009 regulatingin details the policy on lending with preferential interest rate under the program of supporting poor districts at Resolution No.30a/2008/NQ-CPdated 27/12/2008 of the Government(hereinafter referred to as the Circular No. 06/2009/TT-NHNN)

“2. In addition to policies as stipulated under Article 2 of this Circular and Clause 1 of this Article, poor households in poor districts shall be entitled to borrow preferential capital at Vietnam Bank for social policies to buy cattle and poultry breeds, aquaculture breed or develop the sectors as follows:

a) The maximum loan is 10 million/household;

b) The loan rate is 50% of interest rate for poor household in each period;

c) Time to apply interest rate as stipulated under Point b Clause 2 of this Article is 3 years since poor households receive the loan.”

Article 2.

To replace the phrase “Department of Credit” by the phrase “Department of Credit for economic sectors” at Article 5, 6, 7 of the Circular No. 06/2009/TT-NHNN;

Article 3. Transitional provisions

1. For loans as stipulated under the Circular No. 06/2009/TT-NHNN arising before December 31, 2013 and being residual at Vietnam Bank for social policies shall continue the implementation of signed credit contract in accordance with the law at the time of signing the contract. Borrowing the preferential capital as stipulated under the Decision No. 2621/QD-TTg and this Circular shall be implemented after the time limit for loan is expired and poor households in the poor districts fulfill their obligations of paying debt according to the above contract.

2. For loans as guided under the Circular No. 06/2009/TT-NHNN of the State Bank arising from December 31, 2013 to before the effective day of this Circular , the Bank for social policies shall implement according to the Decision No. 2621/QD-TTg.

Article 4. Organization of implementation

1. This Circular takes effect on October 02, 2014.

2. The Chief of the Office, the director of Department of Credit for economic sectors, the heads of the units under the State Bank of Vietnam and the directors of the State Bank’s branches in provinces and centrally run cities, chairmen of Boards of Management and directors general of Vietnam Bank for social policies shall implement this Circular.-

For the Governor of the State Bank

Deputy Governor

Nguyen Dong Tien