The State Bank Renewed The Debt Structure For Another 6 Months

The State Bank has officially allowing banks to extend the time of debt structure for another 6 months compared to the old regulations, up to 30 / 2022.0: 00/3: 15 South State Bank (SBV) medium Promulgating Circular 14/2021 / TT-NHNN (Circular 14) Amending and supplementing a number of articles of Circular No. 01/2020 / TT-NHNN (Circular 01) regulations on credit institutions and expenditures Foreign banks restructuring the time limit for repayment, exemption and reduction of interest and fees, retaining debt groups to support customers affected by Covid-19 translation. Circular 14 takes effect from 7/12/2021.SO with the provisions of Circular 01, the State Bank has allowed banks and credit institutions to extend the restructuring time of debt and delay debt delays affected By Covid-19 epidemic added 6 months, the currency management agency has officially allowed banks to restructure the debt repayment period for principal balance and / or profit balance before January 1 / 8 From lending activities, financial leasing and arising debt repayment obligations between January 23, 2020 to June 23, 2022

. The State Bank of Vietnam extends the time of debt structure Add 6 month. (Artwork: KT) Previously, Circular 01 only allowed banks to restructure the debt repayment time for loans before June 10, 2020 and develop obligations to pay principal, interest in The period of January 23, 2020 to 31/12 / 2021. Thus, compared to the old regulation, the new Circular allowing banks and credit institutions to extend the restructuring time of debt, delay debt Between 2022, Circular 14 also added a case of restructuring the debt repayment period when the debt balance of the debt arises from June 10, 2020 to 1/6/2021 And overdue from July 17, 2021 to 7/9 / 2021
NCNN requires credit institutions to evaluate customers who are unable to repay the principal and / or interest in contracts , the agreement due to the decline in revenue by the impact of the disease. / or interest according to the repayment period is restructured. Debt (including debt extension) in accordance with the level of influence of diseases for customers and not exceeding 12 months from the date the bank's restructuring or from the due date of the debt balance restructured. With regulations on exemption or reduction and fees for customers borrowers, banks are allowed to decide on their own exemption and reduction and fees according to internal regulations on debt balance of debts Birth before 1/8/2021 from credit granting activities, except for the purchase and investment of corporate bonds. In that, the obligation to repay the principal debt to the payment term within the period from January 23/1 / 2020 to June 30, 2022 and customers are unable to repay debt on the principal debt according to contracts, agreements due to revenue, income declined by the influence of Covid-19 translation. Reducing interest and fees to customers in accordance with the new Circular also lasted until June 30, 2022./. Tran Ngoc /

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