Circular 32/2014/tt-Nhnn: Modifying, Supplementing A Number Of Articles In Circular No. 11/2013/tt-Nhnn Dated Jan. 15, 2013 Regulation On Housing Assistance Loan According To Resolution No. 2/nq-Cp On 07 January 2013.

Original Language Title: Thông tư 32/2014/TT-NHNN: Sửa đổi, bổ sung một số điều tại Thông tư số 11/2013/TT-NHNN ngày 15 tháng 5 năm 2013 quy định về cho vay hỗ trợ nhà ở theo Nghị quyết số 02/NQ-CP ngày 07 tháng 01 năm 2013 của...

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STATE BANK
Numbers: 32 /2014/TT-NHNN
THE SOCIALIST REPUBLIC OF VIETNAM.
Independence-Freedom-Happiness
Hanoi, November 18, 2014

IT ' S SMART

Modify, add some to the Digital Information 11 /2013/TT-NHNN

May 15, 2013 regulations on loan support in the United States.

Resolution 02 /NQ-CP on 7 January 2013 by the Government

__________________

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

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

House Law School on November 29, 2005;

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

Base of Protocol 71 /2010/NĐ-CP June 23, 2010 of the Government on the Detailed Regulation and Guide to the Law of Housing;

Parliamentary Base No. 02 /NQ-CP on 7 January 2013 of the Government on some difficult dismantling solutions for business production, market support, bad debt settlement; Resolution No. 48 /NQ-CP on 4 April 2013 of the Government on Government Session. Usually in March 2013 and Resolution 61 /NQ-CP on 21 August 2014 by the Government on the amendment, the addition of Resolution No. 02 /NQ-CP on 7 January 2013 of the Government on some difficult dismantling solutions for business production, market support. School, bad debt settlement;

On the recommendation of the Chief Credit:

The Governor of the State Bank of Vietnam issued the revised Notice, adding some things at the Digital Information. 11 /2013/TT-NHNN 15 May 2013 the provision for home support under Resolution No. 02 /NQ-CP on 7 January 2013 of the Government.

What? 1. Modify, add some to the Digital Information 11 /2013/TT-NHNN May 15, 2013, of the State Bank of Vietnam regulations on lending of housing assistance under Resolution No. 02 /NQ-CP on 7 January 2013 of the Government (later known as Digital Information). 11 /2013/TT-NHNN):

1. Modified, add Article 1 as follows:

" Article 1. Apply Scope and Apply Objects

1. The adjustment range:

a) This information provides for loan support from the capital resupply of the State Bank of Vietnam (later known as the State Bank) under Resolution No. 02 /NQ-CP on 7 January 2013 of the Government on some difficult dismantling solutions for the product. business, supporting market share of bad debt, Resolution No. 48 /NQ-CP on 4 April 2013 of the Government of the Government Session of the Government of March 2013 and Resolution 61 /NQ-CP August 21, 2014 of the Government on the additional amendment. Resolution 02 /NQ-CP;

b) The state trade bank, the equity trade bank by the State held over 50% of the charter capital spending a minimum of 3% of the total loan debt at the time of the previous year to lend on the subjects prescribed at the point of 2 This.

2. Subject applies:

a) Capital borrower (later called a customer) includes:

-Public officials, officials, armed forces and low-income low-income subjects to buy, rent, rent in social housing and rent, buy a commercial housing area of more than 70 m (70 ft). 2 The sale prices were less than $15,000,000. 2 ()

-Bureaucratis, officials, armed forces, workers, low-income workers but the difficulty of housing, when buying houses in trade at housing development projects, the investment project construction project on the site has been granted the authority to approve. The total value of the purchase contract (both home and land) does not exceed 1,050,000,000;

-The public officer, the officer, the armed forces and the employees of the municipality have land in line with the ongoing planning of housing, but has not yet been supported by the State under all forms of the loan to rebuild or rebuild their housing.

-Housekeeping, individuals with improved investment or building social housing in line with the rule of law to lease, to rent and to sell to subjects who are workers, workers in industrial zones, small and medium-term industrial clusters, The manufacturing sector, the economic zone, the high-tech sector, industrial production facilities, industrial players, factories, factories (including inside and outside the industrial zone) of all industries, the profession of economic components; workers in the business components. in the urban area; students, students of universities, colleges, professional high school, vocational college, vocational high school, and school teaching schools. work for workers (not to distinguish public or out of public) and other subjects that are subject to social housing in accordance with the provisions of the Digital Protocol. 188 /2013/NĐ-CP November 20, 2013 by the Government on Development and Management of the Social Home;

-Business is the owner of a social housing construction project, the business is the owner of a commercial housing project that is converted to a social housing project published by the Ministry of Construction in each period (later called business).

b) The lending bank by regulation at this Smart (later known as the bank) includes:

-State-owned commercial banks hold more than 50% of the charter capital, including: Agricultural Bank and Rural Development Vietnam; Commercial Bank of Investment and Development of Vietnam; Commercial Bank of Vietnam Industry; Bank of Vietnam trade in foreign trade holdings in Vietnam; the Bank of the Bank for the Development of the Mekong Delta;

-Other equity banks are designated by the State Bank. In the 30-day period since the announcement comes into effect, equity banks have the need to register to submit a proposal for a proposal to participate in a sample-supported loan program at Annex 04, which is attached to the State Bank. The State Bank is based on the scale, range of activities and experience in lending to the investment sector, the real estate business of banks to review, decide.

c) The organizations, the individual are involved. "

2. Modified, add Article 3 as follows:

" Article 3. Loan conditions

In addition to the lending conditions prescribed by the existing law on the loan of the credit organization to the customer; regulation at the Digital Information Act. 07 /2013/TT-BXD The May 15, 2013 Department of Construction on the Guide to the Identification Of Loans of loans that supported housing under Resolution No. 02 /NQ-CP on 7 January 2013 of Government and revised documents, additions, replacement of Digital Information 07 /2013/TT-BXD, The customer must respond to the following conditions:

1. For personal customers who borrow to buy, rent, rent home in society; rent, buy home in trade:

a) There is a contract to buy, rent, rent in social housing; lease, buy a commercial housing with the owner of the investment;

b) There is a purpose of borrowing capital to pay the unpaid, rent, social housing rent; rent, commercial housing, which has an area of less than 70m. 2 The sale prices were less than $15,000,000. 2 for contracts that have signed with the investment holder since 7 January 2013; or have the purpose of borrowing capital to pay unaudits to the investment owner since August 21, 2014 to purchase a commercial housing contract with a total value of the purchase contract (since 2007). The whole house and the earth did not exceed $1,050,000,000;

c) There is a proposition to borrow capital to buy, rent, rent in social housing; rent, purchase housing in commerce and commit to customers, household members of the customer who have not yet been able to borrow funding at the bank according to this provision;

d) There is sufficient minimum capital to participate in the prescribed loan at paragraph 5 This.

2. For personal customers who borrow to build new or renovated repair of their own housing:

a) There is a purpose of borrowing capital to pay the unpaid expenses generated since August 21, 2014 (not including the tax cost) to build new or renovated repair of its housing;

b) There is a proposal to borrow capital for new construction, rerepair of its housing and customer commitments, family members of the client who have not yet been able to borrow funding at the bank according to this provision;

c) There is sufficient minimum capital to participate in the prescribed loan at paragraph 5 This.

3. For customers who are household, the individual has an improved investment or house-building in society:

a) There is a purpose of borrowing capital to pay the unpaid expenses generated since August 21, 2014 (not including tax costs) to implement a new renovation or construction investment project in the society;

b) There is a proposal to borrow capital to invest in the renovation or construction of new social housing and customer commitments, the household members of the customer who have not yet been able to borrow funds supported at the bank to implement the project, the method stated above the regulations in this Information;

c) There is sufficient minimum capital to participate in the project, the prescribed loan method at paragraph 5 This.

4. For business customers:

a) As the business as defined at the point of a paragraph 2 of this,

b) There is a purpose of borrowing capital to pay the unpaid expenses that arise since 7 January 2013 (not including tax costs) to implement the social housing construction project, the commercial housing project that converts the technology to the social housing project under the regulation. It ' s this announcement.

c) There is a proposal to borrow capital to implement a social housing construction project, a commercial housing project that converts the capacity to a social housing project and an unborrowed commitment to the bank in order to implement the project stated above the regulations in this Information;

d) There is sufficient minimum capital to participate in the project, the prescribed loan method at paragraph 5 This.

5. The minimum capital level of the customer involved in the project, the method of borrowing:

a) A minimum of 20% of the value of the borrower to the specified customer at 1 Article;

b) A minimum of 30% of the cost of new construction or renovation of the housing repair on the customer stipulated at paragraph 2;

c) A minimum of 30% of the total investment of the borrower to the specified customer at paragraph 3 This Article;

d) A minimum of 30% of the total investment of the project, the loan method to the specified customer at paragraph 4 This.

6. The case of personal customer purchase, rent, social housing rent, rent, home purchases in unincorporated trade, rent, rent-to-home rental with the investment owner but meet enough other capital loan conditions the bank is issued pledged to lend after the purchase. customer completes the purchase of the purchase, rent, rent housing with the owner of the investment. "

3. Modified, add 4 Articles 4 as follows:

" 4. The amount of time that applies the loan rate to this Article:

a) A maximum of 15 years for customers to buy, rent, rent in social housing; rent, buy home in trade from the time the customer was first paid, but did not exceed 01 June 2031;

b) A maximum of 10 years for new construction customers, renovate their housing revisions from the moment the customer was first solved, but did not exceed the 01 June 2026;

c) A maximum of 5 years for business customers, household customers, individuals who invest in renovation or new building in society from the time the customer is first solved, but does not exceed 01 June 2021. "

4. Modified, add Article 5 as follows:

" Article 5. The deadline and loan level

1. The deadline for loan due to the customer and the bank of the agreement but time applies to the rate of interest in regulation at this Smart does not exceed the specified time at paragraph 4 Article 4.

2. The maximum lending level for a customer due to a bank and a customer agreement guarantees the appropriate set of regulations at paragraph 5 This Article 3 and does not exceed the general application level on the country ' s £ 700,000,000/customer for the borrower. to build new or renovate your own housing. "

5. Modified, add Article 8 as follows:

a) Modified paragraph 3 as follows:

" 3. The deadline for refunding: minus the case of a resupply of capital refunds under the State Bank ' s announcement stipulated at the point of 5 This Article, the deadline for loan refunds to house support once once is 364 days and automatically is renewed for the remaining capital debt balance. at the time of the arrival of an additional 1 (one) time by the time of the initial capital resupply. The automatic extension was made at a maximum of 1 June 2031. The remainder of the customer's debt at the bank after the expiration date of the expiration date of the provision of the loan support rate at 4 Article 4 This is transferred to the form of the loan under the bank's capital trade. "

b) Modip b point paragraph 5 is as follows:

" b) Monthly, the slowest term on the next month ' s 05 of the next month immediately after the month of reporting, the bank sent the publication and reported the result of a sample support loan at Appendix 02 this Attached To the State Bank (Credit: The Business of Business) in) as the basis for the Bank of the State of the Bank or the recovery of capital refunds; "

c) Modip point c (i) paragraph 5 is as follows:

"i) The bank has a proposed resupply of capital refunds at the Appendix 1 appendix 1, which is accompanied by the work, and reports the results of the housing support;"

d) Modified the point d (iv) paragraph 5 as follows:

"iv) Slowly until 1 June 2031, the bank must reimbursate all of its original debt and capital refunding interest to the State Bank."

6. edit paragraph 4 Article 10 as follows:

" 4. After the appraisal and expected to decide for a loan to the business, the bank sends a loan to the loan to a sample business in Annex 03, which is attached to the State Bank and is contracted only to the business after the sale. By the State Bank, the State Bank has a source of refunding for this object. "

7. Appendix 01, Annex 02, Annex 3 and Annex 04 attached this.

What? 2. Annex 1, Annex 02, 11 /2013/TT-NHNN.

What? 3. Contest Article

1. This message has been in effect since 25 November 2014.

2. These pre-date loans have the effect of enforcement of the parties that continue to follow the signed credit contract. Where the customer loan is purchased, rented, rented out of a social housing, rented, purchased a commercial housing, according to credit contracts signed prior to this date, which has the effect of a 10-year loan, which is adjusted to the rate of interest. You know, borrowing under the provisions of Article 3 of this.

3. Chief of Staff, Chief Credit Officer of the Economy, Head of Units of the State Bank; Director of the State Bank of the State Branch of the Provinces, the Central City of Central; Chairman of the Board, Chairman of the Board, President of the Bank. director (Director) of commercial banks responsible for holding this private practice ./.

KT. GOVERNOR.
Vice Governor.

(signed)

Nguyen Co-Progress