Quyết định 1125/QĐ-NHNN năm 2023 của Ngân hàng Nhà nước Việt Nam về mức 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 theo quy định tại Thông tư 39/2016/TT-NHNN....

DECISION

PRESCRIBING MAXIMUM INTEREST RATES OF SHORT-TERM LOANS IN VIETNAMESE DONG GRANTED BY CREDIT INSTITUTIONS AND FOREIGN BANK BRANCHES TO MEET BORROWERS' FUNDING DEMAND IN CERTAIN BUSINESS SECTORS ACCORDING TO CIRCULAR NO. 39/2016/TT-NHNN DATED DECEMBER 30, 2016

THE GOVERNOR OF THE STATE BANK OF VIETNAM

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

- Pursuant to the Law on Credit Institutions No. 47/2010/QH12 dated June 16, 2010 and the Law on amendments to the Law on Credit Institutions No. 17/2017/QH14  dated November 20, 2017;

- Pursuant to the Government's Decree No. 102/2022/ND-CP dated December 12, 2022 prescribing functions, tasks, powers and organizational structure of the State Bank of Vietnam;

- Pursuant to Circular No. 39/2016/TT-NHNN dated December 12, 2016 of the Governor of the State Bank of Vietnam on loan operations of credit institutions and foreign bank branches for borrowers;

- At the request of the Director of the Monetary Policy Department.

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Article 1. Maximum interest rates of short-term loans in Vietnamese Dong (VND) according to Clause 2 Article 13 of the Circular No. 39/2016/TT-NHNN dated December 30, 2016 are as follows:

1. Credit institutions and foreign bank branches (except for People's Credit Funds and microfinance institutions)  shall grant short-term loans in VND with the maximum interest rate of 4,0%/year.

2. People's Credit Funds and microfinance institutions shall grant short-term loans in VND with the maximum interest rate of 5,0%/year.

Article 2.

1. This Decision comes into force from June 19, 2023 and supersedes the Decision No. 576/QD-NHNN dated March 31, 2023 of the Governor of the State Bank of Vietnam prescribing maximum interest rates of short-term loans in VND granted by credit institutions and foreign bank branches to meet borrowers' funding demand in certain business sectors according to Circular No. 39/2016/TT-NHNN dated December 30, 2016.

2. The interest rates agreed upon in credit contracts or loan agreements which have been signed before the effective date of this Decision in accordance with regulations of laws in force at the date of signing of such credit contracts or loan agreements shall remain valid.

Article 3. The Chief of Office, the Director of the Monetary Policy Department, heads of units affiliated to the State Bank of Vietnam, credit institutions and foreign bank branches are responsible for the implementation of this Decision./.

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