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Circular No. 05/2011/TT-NHNN on the collection of loan fees by credit institutions from customers

Circular No. 05/2011/TT-NHNN stipulates the collection of specific types of loan fees by credit institutions from customers and prohibits the collection of other types of fees. This circular applies to credit institutions and customers.

Document No.05/2011/TT-NHNN
Document typeCircular
Issuing authorityState Bank of Vietnam
Signed byNguyễn Đồng Tiến — Thống đốc
Updated26/06/2026
SectorBanking
FieldUncategorized
Issued date10/03/2011
Effective date10/03/2011
Expiry date15/03/2017
StatusExpired
✦ Smart summary

Circular No. 05/2011/TT-NHNN stipulates the collection of specific types of loan fees by credit institutions from customers and prohibits the collection of other types of fees. This circular applies to credit institutions and customers.

Scope of application

Credit institutions and customers

Key points

  • Credit institutions shall not collect any fees related to loans granted to customers, except for fees paid when the customer repays the loan ahead of schedule, fees for standby credit limits, and fees for arranging the execution of financing contracts.
  • The fees are specifically defined in relevant legal documents concerning lending.
  • Banking Inspection and Supervision Authorities and the State Bank of Vietnam branches in provinces and cities shall conduct inspections, audits, and supervision of the collection of fees related to loans granted by credit institutions to customers.
  • This Circular takes effect from the date of issuance.
  • Credit institutions and customers are responsible for implementing this Circular.

🌐 Social impact of this document

  • Reducing the burden of loan fees on customers, creating a fair competitive environment among credit institutions.
  • Clear regulations help prevent unreasonable fee collection, protecting the rights of customers.

❓ Frequently asked questions

What fees can credit institutions collect when granting loans?

Credit institutions may only collect fees paid when the customer repays the loan ahead of schedule and fees for standby credit limits, according to the provisions of the State Bank of Vietnam regarding the activities of credit institutions in granting loans to customers.

Can credit institutions collect any fees related to loans?

Yes, except for the fees specified in Article 1: fees paid when the customer repays the loan ahead of schedule and fees for standby credit limits.

Is there any authority that will check the implementation of this Circular?

Banking Inspection and Supervision Authorities and the State Bank of Vietnam branches in provinces and cities shall conduct inspections, audits, and supervision of the collection of fees related to loans granted by credit institutions to customers.

When does this Circular take effect?

This Circular takes effect from the date of issuance.

What should credit institutions and customers do to implement this Circular?

Credit institutions and customers borrowing funds from credit institutions are responsible for implementing this Circular.

Full text

STATE BANK OF VIETNAM

SOCIALIST REPUBLIC OF VIET NAM
Independence – Freedom – Happiness

Number: 05/2011/TT-NHNN
Hanoi, March 10, 2011

CIRCULAR

Regulations on Loan Origination Fees Charged by Credit Institutions to Customers

 _______________________________

Pursuant to the Law on the State Bank of Vietnam No. 46/2010/QH12 dated June 16, 2010;

Pursuant to the Law on Credit Organizations No. 47/2010/QH12 dated June 16, 2010;

Pursuant to Decree No. 96/2008/NĐ-CP dated August 26, 2008 of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;

Pursuant to Resolution No. 11/NQ-CP dated February 24, 2011 of the Government on key measures to focus on controlling inflation, stabilizing the macro-economy, and ensuring social welfare;

The State Bank of Vietnam hereby stipulates loan origination fees charged by credit institutions and foreign bank branches (hereinafter referred to as credit institutions) to customers as follows:

Article 1. Credit institutions shall not charge any types of fees related to loans granted to customers, except for the following fees:

1. Fees payable in cases where customers repay loans ahead of schedule and fees for standby credit limits as prescribed by the State Bank of Vietnam regarding credit institution activities with customers.

2. Fees for arranging the execution of syndicated loan financing contracts between participating credit institutions and customers as prescribed by the State Bank of Vietnam concerning syndicated loan financing by credit institutions.

3. Types of fees are specifically regulated in relevant legal documents pertaining to lending.

Article 2. Banking Inspection and Supervision Authorities and State Bank of Vietnam Branches in provinces and centrally governed cities shall conduct inspections, audits, and supervision of loan-related fee collection by credit institutions from customers; apply measures within their authority to handle credit institutions violating the provisions of this Circular.

Article 3. Implementation

1. This Circular takes effect from the date of signature.

Deputy Director of the Office, Heads of the Monetary Policy Department and other units under the State Bank of Vietnam, Governors of State Bank of Vietnam Branches in provinces and centrally governed cities, Chairmen of Management Boards and General Directors (Directors) of credit institutions, and borrowers at credit institutions are responsible for implementing this Circular./.

GOVERNOR
(Signed)
Nguyen Dong Tien

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↑ Basis & documents that affect this document
Referenced by 7
06/CT-NHNN Chỉ thị số 06/CT-NHNN Về các giải pháp điều hành chính sách tiền tệ, tín dụng và hoạt động ngân hàng trong những tháng cuối năm 2012 và đầu năm 2013 In effect 09/2013/TT-NHNN Thông tư số 09/2013/TT-NHNN Quy định lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế Expired 10/2013/TT-NHNN Thông tư số 10/2013/TT-NHNN Quy định lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế Expired 16/2013/TT-NHNN Thông tư số 16/2013/TT-NHNN Quy định lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế Expired 14/2012/TT-NHNN Thông tư số 14/2012/TT-NHNN Quy định lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế Expired 33/2012/TT-NHNN Thông tư số 33/2012/TT-NHNN Quy định lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế In effect 08/2014/TT-NHNN Thông tư số 08/2014/TT-NHNN Quy định lãi suất cho vay ngắn hạn bằng đồng Việt Nam của tổ chức tín dụng đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế Expired
Based on 3
47/2010/QH12 Luật Các tổ chức tín dụng số 47/2010/QH12 Expired 46/2010/QH12 Luật Ngân hàng Nhà nước Việt Nam số 46/2010/QH12 In effect 96/2008/NĐ-CP Nghị định số 96/2008/NĐ-CP Quy định chức năng, nhiệm vụ, quyền hạn và cơ cấu tổ chức của Ngân hàng Nhà nước Việt Nam Expired
Replaced by 1
39/2016/TT-NHNN Thông tư số 39/2016/TT-NHNN Quy định về hoạt động cho vay của tổ chức tín dụng, Chi nhánh ngân hàng nước ngoài đối với khách hàng In effect
05/2011/TT-NHNN
Circular No. 05/2011/TT-NHNN on the collection of loan fees by credit institutions from customers
Expired

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