Quyết định 2196/QĐ-NHNN năm 2020 về mức lãi suất của các ngân hàng thương mại áp dụng trong năm 2021 đối với dư nợ của các khoản cho vay hỗ trợ nhà ở theo quy định tại Thông tư 11/2013/TT-NHNN, 32/2014/TT-NHNN và 25/2016/TT-NHNN do Ngân hàng Nhà nước Việt Nam ban hành

DECISION

PRESCRIBING INTEREST RATE IMPOSED BY COMMERCIAL BANKS IN 2021 ON OUTSTANDING DEBTS OF CONCESSIONAL HOUSING LOANS PROVIDED ACCORDING TO CIRCULAR NO. 11/2013/TT-NHNN DATED MAY 15, 2013, CIRCULAR NO. 32/2014/TT-NHNN DATED NOVEMBER 18, 2014 AND CIRCULAR NO. 25/2016/TT-NHNN DATED JULY 29, 2016

THE GOVERNOR OF THE STATE BANK OF VIETNAM

Pursuant to the Law on the State bank of Vietnam dated June 16, 2010;

Pursuant to the Law on Credits Institutions dated June 16, 2010;

Pursuant to the Law on Amendments to the Law on Credit Institutions dated November 20, 2017;

Pursuant to the Government's Decree No. 16/2017/ND-CP dated February 17, 2017 prescribing functions, tasks, powers and organizational structure of the State bank of Vietnam;

Pursuant to the Government’s Resolution No. 02/NQ-CP dated January 07, 2013 providing guidelines for dealing with difficulties arising from business operations, market assistance and bad debt settlement; 

Pursuant to the Government’s Resolution No. 61/NQ-CP dated August 21, 2014 providing amendments to the Government’s Resolution No. 02/NQ-CP dated January 07, 2013;

Pursuant to the Circular No. 11/2013/TT-NHNN dated May 15, 2013 of the Governor of the State Bank of Vietnam prescribing concessional housing loans under the Government’s Resolution No. 02/NQ-CP dated January 07, 2013;

Pursuant to the Circular No. 32/2014/TT-NHNN dated November 18, 2014 of the Governor of the State Bank of Vietnam providing amendments to the Circular No. 11/2013/TT-NHNN dated May 15, 2013;

Pursuant to the Circular No. 25/2016/TT-NHNN dated July 29, 2016 of the Governor of the State Bank of Vietnam providing amendments to the Circular No. 11/2013/TT-NHNN dated May 15, 2013;

At the request of the Director of the Monetary Policy Department;

HEREBY DECIDES:

Article 1. The interest rate imposed by commercial banks in 2021 on outstanding debts of concessional housing loans provided according to Circular No. 11/2013/TT-NHNN dated May 15, 2013, Circular No. 32/2014/TT-NHNN dated November 18, 2014 and Circular No. 25/2016/TT-NHNN dated July 29, 2016 is 4,8%/year.

Article 2. This Decision comes into force from January 01, 2021 and supersedes Decision No. 2734/QD-NHNN dated December 31, 2019 of the Governor of the State Bank of Vietnam prescribing the interest rate imposed by commercial banks in 2020 on outstanding debts of concessional housing loans provided according to Circular No. 11/2013/TT-NHNN dated May 15, 2013, Circular No. 32/2014/TT-NHNN dated November 18, 2014 and Circular No. 25/2016/TT-NHNN dated July 29, 2016.

Article 3. Chief of the Ministry’s Office, the Director of the Monetary Policy Department and heads of units affiliated to the State Bank of Vietnam, Directors of branches of the State Bank of Vietnam in provinces and central-affiliated cities, Chairpersons of Boards of Directors, Chairpersons of Boards of Members and General Directors (Directors) of commercial banks providing concessional housing loans shall implement this Decision./.

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