Ms. Nguyen Dang Thanh Truc (Ho Chi Minh City) has been granted a credit card from VND 12 million, paying monthly interests. By August 2021, due to the impact of Covid-19, she had repeatedly contacted the bank to reduce interest and only repay the principal debt, however, not approved. Ms. Truc asked, can she reduce credit interests? The State Bank of Vietnam answered this issue as follows: Circular No
. 01/2020 / TT-NHNN dated March 13, 2021 of the State Bank prescribed Regarding the credit institution, the foreign bank branch restructured the debt repayment period, exemption, reduction of interest and fees, maintaining the debt group to support customers affected by Covid-19 translation (revised, Adding by Circular 03/2021 / TT-NHNN; Circular 14/2021 / TT-NHNN) has specified the conditions for credit institutions and foreign bank branches to restructure the deadline Repayment (Article 4), exemption and reduction of fees (Article 5) for customers affected by such Covid-19.Do translation, suggesting Ba Truc actively working with credit institutions to be considered and mechanical Construct the time limit for repayment, exemption and reduction of interest and fees, according to the provisions of Circular No. 01/2020 / TT-NHNN and internal regulations of credit institutions
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