Công văn 242/CV-NHNN1 về việc phạt vi phạm trả lãi tiền vay do Ngân hàng nàh nước ban hành

- Upon proposal of some commercial banks, the State Bank of Vietnam provides guidance on the punishment for violation of the interest payment maturity by the customers as follows:

- In accordance with the current applicable laws, commercial banks, Bank for Investment and Development of Vietnam, Bank for Housing Development in the Mekong Delta, the Central People Credit Fund, Regional People Credit Fund and their customers have the right to agree in a credit contract on the punishment for violation of the payment maturity of lending interest by customers. The level of the punishment for the violation of interest payment maturity shall be calculated as a percentage (%) of the interest defaulted, but not exceeding 5% at the maximum. The above mentioned Credit Institutions shall consider their characteristics, lending conditions and that of the customers and the seriousness of the violation to agree on the level of the punishment in a reasonable manner and for the mutual interest of both parties.

- The fine shall be equal to the level of punishment (%) as agreed in the credit contract multiplied by the defaulted interest due.

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