Conditions Are Considered Restructuring The Debt Repayment Period

Ms. Nguyen Thi Huong Thanh (Ho Chi Minh City) signed a bank loan contract to buy land. But due to the influence of Covid-19, her family has difficulty in paying interest. Ms. Thanh proposed a functional agency to consider policies to support cases where she temporarily stopped paying interests

. The State Bank of Vietnam answered this issue as follows: to support people and businesses Industry affected by Covid-19 epidemic, the State Bank of Vietnam issued Circular No. 01/2020 / TT-NHNN dated March 13, 2020 and Circular No. 03/2021 / TT-NHNN on 2 / 4/2021 (Amending and supplementing Circular No
01/2020 / TT-NHNN) Provision on the organization of credit institutions and branches of foreign banks restructuring the debt repayment period, exemption and reduction of interest and fees, Keeping the debt group to support customers affected by Covid-19. According to that, customers are assessed by credit institutions to meet the conditions such as: - Unable to repay the debt on the original debt and / or the contract under the contract due to revenue, income declined by the impact of Covid-19 translation; - Ability to fully repay the principal debt and / or interest according to the restructured repayment period; - Loan, Financial leasing arising debt obligations, principal debts and interests during the period Certainly (debt arising before June 10, 2021, ...), it is considered by a credit institution to restructure the debt repayment term according to the regulations. The review of the restructuring of the debt repayment period, exemption and reduction , ... under the authority of the credit institution. Accordingly, ask Ms
Thanh to work with credit institutions to consider handling in accordance with regulations. Currently, the State Bank of Vietnam is synthesizing the recommendations of people and businesses to continue Develop solutions to remove difficulties for borrowers affected by translation of

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