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Oh. I ' m going to give you a N Social policy tendons Q Number. 48/2014/ Come on. - TT g August 28, 2014

of I General. - The government on poor household support policy building housing, avoiding storm, flooding of the region. I vibration

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Vietnam State Bank Law School No. 46 /2010/QH12 June 16, 2010;

The Code of Credit: 47 /2010/QH12 June 16, 2010;

Base of Protocol 156 /2013/NĐ-CP November 11, 2013 rules out functions, duties, powers, and organizational structure of the State Bank of Vietnam;

Base of Protocol 78 /2002/NĐ-CP October 4, 2002 of the Government on credit for the poor and other policy subjects;

Base Decision Base 48 /2014/QĐ-TTg The Prime Minister ' s August 28, 2014 on policy of supporting poor households building housing, avoiding hurricanes, flooding of the Central Region (then called the No. 48 /2014/QĐ-TTg);

On the recommendation of the Chief Credit:

The Governor of the State Bank of Vietnam issued the Information Guide of the Bank of Social Policy by Decision No. 1. 48 /2014/QĐ-TTg 28 August 2014 by the Prime Minister of the Government on the policy of supporting poor households building housing, avoiding hurricanes, flooding of the Central Region.

Chapter I

GENERAL REGULATION

What? 1. The adjustment range

This information regulates the Social Policy Bank ' s lending to poor households to build houses in the room, avoid hurricanes, flood areas of the Middle East by Decision No. 1. 48 /2014/QĐ-TTg.

What? 2. Subject applies

1. Social Policy Bank.

2. Family households are subject to regulation at Article 2 Decision No. 2 48 /2014/QĐ-TTg Funded by the Bank of Policy to build houses in the room, avoid storms, flood the Central Region (later called households).

3. The organizations, individuals with regard to borrowing capital at the Social Policy Bank to build houses in the room, avoid hurricanes, flooding the Central Region by Decision No. 1. 48 /2014/QĐ-TTg.

What? 3. Loan Principles

1. The Social Policy Bank makes the right loan on the basis of a loan list which is borrowed capital at the Poor Aid Assistance Project building housing, avoiding storm, flooding, approved by the Provincial People's Commission.

2. Social Policy Banking Capital of Social Policy allocating to the branch of the Social Policy Bank, for household borrowing in order of preference and time implementation of regulatory assistance at Article 3, paragraph 2 Article 8 Decision No. 48 /2014/QĐ-TTg.

3. Make sure to lend a direct loan to each household.

4. Household borrower guaranteed the use of the right loan capital, return of loans and capital loans on the right-term commitment.

Chapter II

SPECIFIC REGULATION

What? 4. Capital and loan level

1. Social Policy Bank ' s loan capital by numerical Decision No. 1 48 /2014/QĐ-TTg include:

a) 50% due to the central budget;

b) 50% due to the Social Policy Bank.

2. On the basis of capital-funding regulations, interest arbitrates, the Social Policy Bank formulated the capital plan to ensure the implementation of a loan-based loan at this level.

3. The household ' s capital loan needs, the Social Policy Bank considers and decides the loan level, but does not exceed 15 million peers/households.

What? 5. Loan interest

The loan interest rate is 3% per year.

What? 6. Loan deadline

The loan deadline is 10 years, during which the date of the original debt payment, the interest of 05 years from the time of the household, began receiving the first loan.

What? 7. Source debt and loan interest

1. The Social Policy Bank and the household lend an agreement on the number of money and the original debt repayment term; the terms pay the interest in interest.

2. The loan of the loan payer returns the original debt, which is borrowed from the sixth year. The debt level per year is minimum by 20% of the total already borrowed.

3. Household borrower is paid off the original debt and pre-loan capital gains.

What? 8.

1. The Social Policy Bank performs a form of loan-to-social trust through political-social or direct-to-loan organizations.

2. The case is done in accordance with the method of lending of each part through the political-social organization, the lending mechanism that is made as a loan to the poor and other policy subjects.

What? 9. Records, Capital loans

1. The specific regulatory and publicly listed Social Policy Bank on record, capital loans in accordance with the regulation at the No. 1 Decision No. 1. 48 /2014/QĐ-TTg, This information and the regulation of the existing law; make sure simple, clear and easy to implement.

2. Family-owned loan base, the Social Policy Bank performs a regulatory loan at this level.

3. The case of rejection of the loan, the Social Policy Bank must inform the document to the loan of the capital, which states the reason for refusing to lend.

What? 10. Loan.

1. The Social Policy Bank performs a direct-to-loan deal for the borrower, including the case of performing a partial loan trust through political-social organizations.

2. Social Policy Banking of the 100% borrower has committed to lending:

a) After the completion of the foundation for the household of capital to build new;

b) After the completion of 30% of the volume of the floor construction work exceeded the flood level household for renovation, raising the housing floor already.

3. Social Policy Banking base on aggregate confirmed completion of the building phase in the room, avoiding storm, flooding sent by the People's Committee to implement a loan in accordance with Article 2 of this Article.

What? 11. Earnings recall and loan interest

1. The Social Policy Bank performs on track, the foreman revoking the original debt, which owes the borrower interest of each household.

2. The household is obliged to reimbursate the original debt and loan interest. The case to the final payment term that the borrower's loan does not pay is due to the objective cause, which is considered by the Social Policy Bank to the debt extension on the basis of a loan to the borrower's debt in the next period. The total duration of the maximum debt limit is half a dead-term loan.

3. At the end of the loan deadline for which the household does not pay off the original debt and/or the loan interest has committed and is not given to the Social Policy Bank for the debt extension then the original debt balance is transferred to the overdue debt and the applicable loan interest rate is 3 ,9% /year; No, no, no, no.

What? 12. Risk processing

The handling of the risk to house-building loans, avoiding hurricanes, flooding of the Central Region is carried out by the current regulation of risk handling at the Social Policy Bank.

What? 13. Report Information

1. Monthly (before the 10th of the next month), the Social Policy Bank aggregate loans to poor households building rooms in the room, avoiding hurricanes, flooding of the Central Region by Decision No. 1. 48 /2014/QĐ-TTg send to the State Bank of Vietnam (The Public Credit Service) according to Schedule 01 issued by this message.

2. Monthly (before the 10th of the next month), the Provincial Branch of Social Policy, the Central City of China report the poor passport-building situation in the room, avoiding hurricanes, flooding the Central Region by Decision No. 1. 48 /2014/QĐ-TTg At the local branch of the State Bank, the Central City of the Central City, which is based on the 2nd Chart, is accompanied by this information.

Chapter III

EXECUTION CLAUSE

What? 14. Social Policy Bank ' s responsibility

1. Build a credit plan, capital mobiles plan to ensure the implementation of a household construction site in the room, avoid the storm, flood the area of the Central State Agency with the authority to review, approve.

2. Regulation and listing public records, capital loan procedures for the borrower ' s household that built houses in the room, avoid hurricanes, floods the Central Region.

3. The organization performs and co-ordinated closely with the People ' s Committee, the political-social organizations that receive the mandate in lending, testing, overseeing the use of loans and the income of the debt by regulation at Decision No. 1. 48 /2014/QĐ-TTg, This information and the regulation of the law are relevant.

What? 15. The responsibility of the State Bank of Vietnam

1. The Business Credit:

a) Head of the track, aggregation of the situation that performs the Social Policy Bank ' s lending operation to poor households building housing, avoiding hurricanes, flooding of the Central Region by Decision No. 1. 48 /2014/QĐ-TTg;

b) presided, in coordination with the relevant units that dealt with the entanging in the process of this practice.

2. Inspector of the Bank:

The Inspector General, the bank oversight of the bank that carried out the inspection, oversight and disposal of jurisdiction over the Social Policy Bank in the acceptance of the regulations at the No. 48 /2014/QĐ-TTg And this is when you make a poor lending to build houses in the room, avoid storms, flood areas in the Middle East.

3. State Bank of the Provincial Branch, Central City of Central City:

a) Track, aggregation of the Social Policy Bank ' s lending situation to poor households building rooms in the room, avoiding hurricanes, flooding of the Central Region by Decision No. 1. 48 /2014/QĐ-TTg on the table;

b) Practice of examination, monitoring and inspection by jurisdiction over the Social Policy Bank on the site in lending to poor households building rooms in the room, avoiding hurricanes, flooding of the Central Region by Decision No. 1 48 /2014/QĐ-TTg;

c) Staff and coordination with the Provincial People ' s Committee, the Central Committee of the Central Committee, along with local political-social organizations dealing with entanging in the process of making a poor lending process building housing, avoiding hurricanes, flooding, and flooding. The Middle Area by Decision No. 48 /2014/QĐ-TTg In the local area. The case passed the authority in time to report the State Bank of Vietnam (The Credit Union of Economics) to be considered, processed.

What? 16. Organization to execute

1. This message has the enforcement effect since December 25, 2014.

2. Chief of Staff, Chief of the Credit Service of the Economy, The Head of Units of the State Bank of Vietnam, Director of the State Bank of the State Branch of the Provinces, China ' s Central City: Thanh Hue, Art An, Hà Jing, Quang Ping, Quải Tình, Hue Tiansheng, Đà Nẵng, Quang Nam, Quảng Ngãi, Pacifism, Phú Yan, Khánh Hà, Ninh Shun, Binh Shun, Chairman of the Board and Director General of the Social Policy Bank, which is responsible for the organization, take this private.