Decision on credit for students, medical students after they have graduated, during practice at the base hospital, healing to be granted the certificate of practice _ _ _ _ _ _ _ _ _ _ _ _ _ based on Government Organization Law June 19, 2015;
Pursuant to the law examinations, cure on November 23, 2009;
Pursuant to Decree No. 78/2002/ND-CP dated 10 October 2002 by the Government on credit for the poor and other policy objects;
According to the recommendation of the Minister of finance, the Prime Minister issued a decision on credits for students, medical students after they have graduated, during practice at the base hospital, healing to be granted the certificate of practice.
Article 1. Scope and objects 1. Scope this decision regulates credit support policies for students, medical students after they have graduated, during practice at the base hospital, healing to be granted the certificate of practice under the medical Law, healing through social policy Bank.
2. apply object a) loans objects are defined in article 2 of this decision;
b) Bank of social policy;
c) agencies, organizations and individuals concerned.
Article 2. Student loans audience, medical students have difficulties after graduating from universities, colleges, secondary and at the base of specialized medical training are established and operate in accordance with the law of Vietnam during practice at the base hospital treatment to be granted a certificate of practice under the provisions of the Act examination and treatment (hereinafter the student after graduation), consisting of: 1. students after graduating orphans both parents or orphaned father or mother but the rest cannot afford labor.
2. After graduating students are members of the households belong to one of the objects:-poor households according to standard rules of law.
-Household per capita income by 150% maximum per capita income levels of households in poverty according to the provisions of the law.
3. students after graduation that families struggling financially due to accident, illness, natural disasters, fire, epidemics during the practice of people's committees of communes, wards and towns where residents.
Article 3. Loan method 1. For the students after graduation clause 1 article 2 of this decision are direct loans at the Bank of social policy where the base doctor, cure headquarters that students practice after graduation.
2. for students after graduation to the provisions in Paragraph 2 and paragraph 3 article 2 of this decision are loans through households. Representatives of households is the direct loans and who is responsible for repaying the Bank of social policy.
Article 4. Student loan conditions after graduation are considering loans when meet the following conditions: 1. The students after graduation (but not more than 12 months from the date of graduation) and: a) has enough standards prescribed in clause 1 article 2 of this decision; or b) is a member and are living in households of legal residency in local lenders, get enough of the standard prescribed in clause 2, Clause 3 article 2 of this decision.
2. Must be certified by the base doctor, healing: a) the time to practice, practice costs;
b) Yet have contract work or employment contract of the base doctor, healing during practice.
Article 5. Loan 1. Maximum loan with maximum loan under decision No 157/2007/QD-TTg dated 27 September 2007 of the Prime credit for the student, the student or the revised text, additional decision No 157/2007/QD-TTg dated (if available) according to time.
2. social policy Bank regulations specific lending levels for students after graduation based upon the cost basis of each practice examinations, treatment and living expenses but not to exceed the level of loan prescribed in clause 1 of this article.
Article 6. Loan term 1. The loan term is the period of time is calculated from the date the loan object started getting the loan until pay off debt (principal and interest) are recorded in the credit contract. The deadline for the loan including the broadcasting term loan and repayment period.
2. The time limit for play money is the period of time from the date for the first dish received until the end of time practicing. The broadcasting term loan is divided into the term of disbursement by the Bank of social policy, regulation or agreement with the loan object.
3. repayment period is the period of time from the date for the first-day debt pay off debt (principal and interest). The maximum repayment period by 2 times the playback duration of the loan. The repayment period is divided into the term of repayment by the Bank regulatory and social policy agreements with borrowers in the credit contract based on income and repayment ability of the borrower.
Article 7. Lending rate 1. The interest rate for loans with current loan interest rates for credit programs for students, student rules according to each period.
2. Interest on overdue debt are charged by 130% interest loans.
Article 8. Loan records, sequences and procedures for loans, repayment of social policy Bank loan records rules, sequences and procedures for loans, repayment of guaranteed simple, clear, easy to implement, comply with the provisions of the law.
Article 9. Repayment of principal and interest loan 1. In the play term loan for not repaying principal and interest; the loan interest rate is calculated from the date of receipt for the first dish came on the original debt paid off.
2. For paying principal and interest loan for the first time since the end of the practice time.
3. repayment Level each time by the Bank of social policy agreements with borrowers and be consistent in the credit contract.
Article 10. Preferential interest rates in case of repayment before the term case for repayment before maturity has pledged in credit contracts, interest is charged will be reduced as the credit policy for students according to the decision No 157/2007/QD-TTg dated 27 September 2007 of the Prime credit for students , students or the text modified, supplemented with decision No. 157/2007/QD-TTg dated (if available).
Article 11. Adjust the term of repayment, the repayment extension and transfer overdue debt 1. Until the final repayment, the borrower has unpaid debt are hard to thread text has rescheduled the social policy Bank considered for renewal of debt for loan objects; the maximum debt renewal time by 1/2 the time limit for paying the debt.
2. The case for not repaying the last repayment term and is not allowed to extend debt relief, social policy Bank turned into overdue debt. Social policy Bank in cooperation with local authorities, the social-political organizations and institutions and individuals concerned for place of residence have legal measures to recover the debt.
3. social policy Bank specific rules about the objective causes lead to borrower difficulties have yet to pay the debt, the repayment term, renewal and transfer overdue repayments in accordance with paragraph 1, paragraph 2 of this Article.
Article 12. Handle risks by objective causes the processing of debt being risks by objective causes is done according to the rules of the Regulation treats the debt being risks in social policy Bank.
Article 13. The responsibilities of the Agency 1. The Ministry of finance, in cooperation with the Ministry of planning and investment of State capital disposition to give medical students after graduation during practice to be practising certificate loans and funds to compensate the difference in interest rates, management fee to the Bank for social policy made good the loans for students after graduation medical industry. 2. The Ministry of health is responsible for: a) directed the medical facility and treatment in collaboration with the local people's Committee and the social policy Bank conducted credit policy for students after graduation during practice at the base hospital, healing to be granted the certificate of practice;
b) directs the base doctor, cure made the confirmation after graduating students are practicing eligible loan prescribed in clause 2 article 4 of this decision.
3. the people's committees of provinces and cities under central direction to the Agency and the people's committees of all levels make the credit policy for the object in real time to practising certificate in accordance with the provisions of the law and this decision.
4. social policy Bank responsible guide loan records, sequences and procedures for loans, repayment term, repayment rate, extension of repayment, turn right for students after graduation. Organizations seeking funding to supplement funding loans for students after graduation.
5. organizations, individual employers as students after graduation certificate of practice has been the State loan under the provisions of this decision have the responsibility to urge students after graduation transfer money on the family to repay or urging students upon graduation directly repaying the Bank of social policy.
Article 14. Handle violation of individual organizations perform incorrectly credit regulations for students after graduation provisions in this decision, depending on the level of violation will process in accordance with the law.
Article 15. Terms of implementation 1. This decision has the effect since May 1, 2016.
2. Ministers, heads of ministerial agencies, heads of government agencies, the Chairman of the provincial people's Committee, the central cities, Chairman of the Board and General Director of the social policy of the Bank is responsible for the implementation of this decision.