Banks Regulate The Order And Procedures For Restructuring Debts, Interest Reduction

Mr. Bui Thai (Ho Chi Minh City) is a freelance labor, a bank loan to buy a monthly installment car. He used the car as a means of work and passenger to get more income. But due to the complex epidemic situation, Mr. Thai had to quit his job, so it was unable to pay for the Bank

. However, it is now due to the situation of Covid-19 translation, so he cannot directly apply to the bank to request a debt extension structure. In 2019, he has a credit institution of FE credit institutions Credit to do business capital and is also installment monthly. When he contacted the bank to request an application for a debt extension structure, the consultant is to apply directly to the branch that has signed a loan contract
Due to the translation situation he did not move from the province to Ho Chi Minh City to apply. goods as well as credit institutions. The State Bank of Vietnam answers this issue as follows: According to the provisions of Circular 01/2020 / TT-NHNN dated March 13, 2020 and Circular No. 03/2021 / TT- SBV dated 02/04/2021 (amending and supplementing Circular 01/2020 / TT-NHNN), credit institutions shall have to issue internal regulations to specify the order and procedures in real Currently, the measures of restructuring the time limit for repayment, exemption and reduction of interest and fees to maintain their debt group. . Proposes, customers work with loan credit institutions for guidelines according to

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