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From September 1, credit institutions are not allowed to lend money to customers for savings, buying gold bars, or debt repayment.
From September 1, lending activities of credit institutions will be tightened according to Circular 06/2023
The State Bank of Vietnam (SBV) has just issued Circular 06/2023 amending and supplementing a number of articles of Circular 39/2016 on lending activities of credit institutions and foreign bank branches to customers.
The content of the circular after amendment stipulates that credit institutions and foreign bank branches are not allowed to lend for the following capital needs: Investment in business in industries and trades prohibited from investment and business according to the provisions of the Investment Law; purchase and use of goods and services in industries and trades prohibited from investment and business according to the provisions of the Investment Law.
The new regulation does not allow loans to buy gold bars or to repay credit loans at the lending credit institution itself, except for loans to pay interest on loans arising during the construction process, in which the interest expense is calculated in the total construction investment approved by competent authorities according to the provisions of law.
Notably, the State Bank prohibits credit institutions from lending capital for deposits. The purpose of borrowing capital to pay for the purchase or capital contribution of a company that is not listed on the stock market or has not registered for trading on the UPCoM floor will also not be allowed to borrow capital from credit institutions.
Customers who borrow capital to pay for capital contributions to implement investment projects that do not meet the conditions for putting them into business according to the provisions of law at the time the credit institution decides to lend will not be provided with capital by credit institutions...
For loan agreements and credit contracts signed before September 1 of this year, credit institutions and customers shall continue to implement the contents of the signed loan agreements and credit contracts in accordance with the provisions of law in effect at the time of signing such loan agreements and credit contracts.
In case of agreement to amend or supplement a loan agreement or credit contract, the content of the amendment or supplement must comply with the provisions of the newly issued Circular.
According to VTC News
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