Mr Nguyen Tien Dong
Package 30,000 billion, accounting for 15% of total loans in real estate, should be considered as a new cash flow, significant market. As one of five designated banks, Agribank deployment support package with this?
Implementing Circular dated 15.05.2013 of State Bank 11/TT-NHNN on housing loan in support of the Resolution dated 07.01.2013 of the Government 02/NQ-CP, Agribank Board Members 591/QD-HDTV-KHDN Decision issued regulations on housing subsidy effective from the date of 01.06.2013 and general director of Agribank has written direct 3893/NHNo-HSX branches of the active system is exposed to client companies with investment projects to build social housing and commercial projects in the energy is converted into social housing project by the Ministry of Construction published.
He can tell the loan, interest rate and term loans from Agribank in the support package?
Agribank loans up to 75% of the total project investment for businesses and a maximum 80% of the contract value to individuals (customers can use the assets from loans to secure loans ).
Regarding interest rates, in 2013, Agribank applicable interest rate 6% / year, the next year as the central bank announcement, but not more than 6% / year. Time preference rate to 10 years for individual customers and 5 years for corporate customers, but not to exceed the time 06/01/2023. Interest is calculated on the outstanding balance of the actual customers and Agribank not collect any fees for the loan (including in the case of early repayment), then the time will apply 01/06/2023 accordance with published rates of Agribank same period.
On loan period is determined by the ability of customers to repay, for corporate customers upto 5 years, for individual customers from 10 years to a maximum of 15 years (in case customers need the shorter loan borrowers agreement with Agribank).
The disbursement of the loan package in support of Agribank for end customers as the bank disbursed the full amount of central bank refinancing assistance, or up to the date of 06.01.2016.
Can you tell us the procedures and records specific to the loan?
In addition to the records for borrowing under current provisions of Agribank, customers must supplement the record, the following documents:
For individual customers to purchase loan, rent, lease to buy social housing loans written request, signed contracts with investors since 1/7/2013 (original); records documents, proof of equity participation under the provisions ...; capital repayment plans, loan repayment plan bank.
For loans to individual customers lease or purchase commercial houses are smaller than 70 m2 area, price under 15 million m2, must obtain loan proposals, contracts signed with investors from dated 07.01.2013 (original) unit certificates and the state where the housing; CPC certification ward where borrowers with permanent residence or temporary residence registration on household and housing status of clients, families, individuals, and only 1 time ... certification, records, documents, certificates evidencing equity participation as prescribed capital plan repayment plan to repay bank loans.
For corporate customers, the proposal must be granted loans in accordance with existing loans, investment projects are approved by the competent authority in accordance with law; investing written approval of the competent authority , records, documentation has cleared land and a building permit, unless exempt from building permit under the provisions of the law on construction decisions of the competent authorities for the transformation from the in commerce to social housing; proven customer documents and projects on the list published by the Ministry of Construction on the project investor to build social housing, businesses that invested in commercial projects Commerce capabilities converted into social housing projects.
By this time, Agribank has received a list of qualified firms borrow less, sir?
After 1 short deployment time, many customers complete record of the proceedings for the bank loan appraisal. Earlier this week, Agribank signed a loan agreement to support the principle of social housing with 10 companies in 13 projects (of which 6 projects by the Ministry of Construction proposed project list for social housing to borrow capital and other projects are in the completion stage procedure). Specifically, the Group Co., Ltd. Xuan Lam, Social Housing Development Corporation, Investment urban development and industrial parks Songda (Sudico), Duc Manh and Joint Venture Investment and Construction Joint Stock Company 579, the Van Phat Hung Co., Thu Thiem Investment, Commercial Consulting Company Royal Military Services, Joint Hung Phu Real Estate Investment Corporation Ceramic Co., Ltd. EITC. The total investment of 6,644 billion VND, in which loan demand was 3,295 billion, creating 11,292 products for social housing apartments.
The parties agreed to sign a credit contract only after the project has met all the conditions and the Agribank loan appraisal as effective as prescribed, the central bank agreed to Agribank notified about refinancing source for each client and project.
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