Decision No. 139/NH-QĐ issuing the interest rate table for deposits and loans of the State Bank applicable from October 1, 1986, specifies the specific interest rates for different types of deposits and loans.
적용 범위
The State Bank of Vietnam; state-owned enterprises, collective economic organizations, agencies, associations, schools, private businesses, individuals
핵심 사항
- State-owned enterprises depositing money with the State Bank enjoy interest rates from 0.74% to 1.20% per month;
- Collective economic organizations receiving deposits earn interest rates from 0.90% to 1.86% per month;
- State-owned enterprises borrowing working capital within the plan limit have interest rates from 1.20% to 1.56% per month;
- Collective economic organizations borrowing working capital above the plan limit have interest rates from 1.44% to 1.98% per month;
- Fixed capital for state-owned enterprises investing in new basic construction has interest rates from 1.08% to 1.32% per month;
🌐 이 문서의 사회적 영향
- Enhance the ability to mobilize savings funds of the State Bank;
- Ensure funding sources for production and business activities of units;
- Organizations and individuals depositing money with the State Bank benefit from higher interest rates;
- Enterprises borrowing funds face pressure on interest rates when failing to repay debts on time.
❓ 자주 묻는 질문
What is the interest rate for state-owned enterprises depositing money?
State-owned enterprises depositing money with the State Bank enjoy interest rates from 0.74% to 1.20% per month.
What is the interest rate for working capital loans within the plan limit for state-owned enterprises?
State-owned enterprises borrowing working capital within the plan limit have interest rates from 1.20% to 1.56% per month.
What is the interest rate for fixed capital loans for new basic construction investment for state-owned enterprises?
State-owned enterprises investing in new basic construction have interest rates from 1.08% to 1.32% per month.
What is the overdue interest rate for state-owned enterprises?
State-owned enterprises with overdue debts under six months pay an interest rate of 200% of the normal rate, from six to twelve months at 250%, over twelve months at 300%.
What is the interest rate for working capital loans within the plan limit for collective economic organizations?
Collective economic organizations borrowing working capital within the plan limit have interest rates from 1.32% to 1.86% per month.
전문
Pursuant to …;
Issuing the interest rate schedule for deposits and loans of the State Bank
CHAIRMAN OF THE STATE BANK OF VIETNAM
Pursuant to Decree No. 65-HĐBT dated May 28, 1986 on the functions, tasks, and organizational structure of the State Bank;
Pursuant to Decree No. 165-HĐBT dated September 23, 1982 of the Council of Ministers on the framework of deposit and loan interest rates of banks and credit cooperatives; and Decision No. 119-HĐBT dated October 14, 1986 of the Council of Ministers on special measures for mobilizing savings deposits and expanding credit of the State Bank,
DECISION:
Article 1. - Issuing with this Decision the specific interest rate schedule for deposits and loans of the State Bank.
Article 2. - This interest rate schedule shall take effect from October 1, 1986, replacing the interest rate schedule issued pursuant to Decision No. 125-NH/QĐ dated September 4, 1986 of the General Director of the State Bank.
For balances of deposits and loans from September 30, 1986 onwards, interest will also be calculated at the rate specified herein from October 1, 1986.
Article 3. - The Heads of the Office, Directors of Professional Banks, Department Heads, Section Chiefs, Branch Directors of the State Bank, Investment and Construction Bank, Foreign Trade Bank at provincial, municipal, special zone, district, town levels within their respective areas of responsibility shall be responsible for organizing the implementation of this Decision.
General Director of the State Bank of Vietnam
(Signed)
Lu Minh Chau
INTEREST RATE SCHEDULE
FOR DEPOSITS AND LOANS OF THE STATE BANK(issued together with Decision No. 139-NH/QĐ dated October 14, 1986 of the General Director of the State Bank of Vietnam).
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% PER MONTH |
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1 |
2 |
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AA. Deposit Interest Rates |
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|
1. Deposits of state-owned enterprises |
0,74 |
|
2. Deposits of collective economic organizations |
0,90 |
|
3. Deposits of agencies, mass organizations, schools (excluding budget deposits) |
1,05 |
|
4. Private business and individual deposits |
1,20 |
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B. Loan Interest Rates |
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I. Working Capital Loans |
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a) For state-owned economy |
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1. Within plan limit (within plan) |
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- Construction and installation |
1,20 |
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- Agriculture, forestry, fisheries, salt industry |
1,26 |
|
- Industry, transportation, postal services, supply of materials |
1,32 |
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- Foodstuffs |
1,44 |
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- Foreign trade and foreign service |
1,50 |
|
- Commerce and domestic service |
1,56 |
|
2. Above plan limit (outside plan) |
|
|
- Construction and installation |
1,32 |
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- Agriculture, forestry, fisheries, salt industry |
1,38 |
|
- Industry, transportation, postal services, supply of materials |
1,44 |
|
- Foodstuffs |
1,56 |
|
- Foreign trade and foreign service |
1,62 |
|
- Commerce and domestic service |
1,68 |
|
Loans above plan limit due to economic management deficiencies |
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(Common for all sectors) |
1,74 |
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3. Loans for units under the Ministry of Defense engaged in economic activities |
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- Within plan limit |
1,26 |
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- Above plan limit |
1,38 |
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b) For collective economy |
|
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1. Within plan limit |
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- Agricultural, forestry, fishery, salt production cooperatives and groups |
1,32 |
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- Small-scale industrial, transport, construction cooperatives |
1,62 |
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- Purchase and sales, consumption, service cooperatives |
1,86 |
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2. Above plan limit |
|
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- Agricultural, forestry, fishery, salt production cooperatives and groups |
1,44 |
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- Small-scale industrial, transport, construction cooperatives |
1,74 |
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- Purchase and sales, consumption, service cooperatives |
1,98 |
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II. Fixed Asset Loans |
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a) For state-owned economy |
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1. Loans for new basic construction investment |
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- Agriculture, forestry, fisheries, salt industry |
1,08 |
|
- Industry, construction installation, transportation, supply of materials |
1,14 |
|
- Foodstuffs |
1,20 |
|
- Foreign trade and foreign service |
1,26 |
|
- Commerce and domestic service |
1,32 |
|
2. Loans for technological improvement and expansion of production (common for all sectors) |
1,50 |
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3. Loans for major repairs (common for all sectors) |
1,56 |
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b) For collective economy |
|
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- Agricultural, forestry, fisheries, salt industry cooperatives |
1,14 |
|
- Small-scale industrial, construction, transport cooperatives |
1,38 |
|
- Purchase and sales, consumption, service cooperatives |
1,74 |
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III. Relations between banks and credit cooperatives |
|
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- Credit cooperatives deposit funds into savings fund |
6,50 |
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- Credit cooperatives borrow from savings fund |
6,50 |
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IV. Overdue Loan Interest Rates |
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1. For state-owned enterprises |
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- Overdue up to 6 months, interest rate is 200% |
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- Overdue from 6 to 12 months, interest rate is 250% |
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- Overdue over 12 months, interest rate is 300% compared to the usual loan interest rate of the type that has been overdue |
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2. For collective economy |
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- Overdue up to 12 months, interest rate is 200% of the usual rate of the type of debt that has been overdue |
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- Overdue over 12 months, interest rate is 300% of the usual rate of the type of debt that has been overdue |
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3. For individual businesses |
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Overdue interest rate is 300% of the usual rate |
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V. Joint enterprises and agricultural, industrial, commercial cooperatives borrowing capital shall enjoy loan interest rates corresponding to the most important role in the operation of the unit, according to the sector and economic component to which the unit belongs |
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