Tiếng Việt| THE STATE BANK OF VIETNAM | SOCIALIST REPUBLIC OF VIETNAM |
| No. 5659/NHNN-CSTT | Hanoi, 25 June 2008 |
To:
- Commercial Banks
- Joint venture banks
- Foreign bank branches operating in Vietnam
- Finance companies
- Finance leasing companies
- Central People's Credit Fund
- State Bank branches in provinces, cities
In order to satisfy requirements of credit statistic and information to serve the direction, management of credit activity, the State Bank of Vietnam requires credit institutions and State Bank branches in provinces, cities to make report on some credit norms as follows:
1. Credit institutions shall make monthly report on their credit activity for real estate sector and serving living demand on 10th of the month following the reporting month, including following contents:
- Outstanding credit loan for real estate sector in Form No. 01
- Outstanding credit loan for capital requirements to serve living in Form No. 02
- Assessment of credit activity for real estate sector and serving living demand of credit institutions; difficulties, queries and suggestion for solution.
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- Outstanding credit loan for real estate sector of credit institutions in Form No. 03
- Assessment of credit activity for real estate sector of credit institutions and development of real estate market in the locality; difficulties, queries and suggestion for solution.
3. In this Official Dispatch, Forms No. 01 and No. 2 shall replace the Form No. 04 in the Official Dispatch No. 13684/NHNN-CSTT dated 26 December 2007 on the sending of temporary written report; Form No. 03 shall replace the Form No. 02 in the Official Dispatch No. 1676/NHNN-CSTT dated 9 March 2006 on lending to real estate sector.
FOR THE GOVERNOR OF THE STATE BANK OF VIETNAM
DEPUTY GOVERNOR
Nguyen Dong Tien
FORM NO. 01/BDS-CSTT
NAME OF REPORTING CIS
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Unit: Billion dong
Norm
Balance
I. Outstanding loan
1. Classified by loan term
- Short term
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2. Classified by demand for loan fund (listing all expenses related to each demand for loan fund, including land, house, construction work tied to land, inclusive of assets tied to that house, construction work, other assets tied to land)
- Construction of infrastructure for the purpose of production, business
- Construction of industrial zones, export processing zones
- Construction of urban zones
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- Construction and dealing in trade centers, markets, shops
- Construction, repair, purchase of house for living (except for case where borrowers use salary for debt repayment)
- Construction, repair, purchase of house for sale
- Land use right
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3. Classified by the area of real estate loan (listing by the area where real estates are located)
- Hanoi
- Haiphong
- Da Nang
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- Can Tho
- Other localities
4. Maximum lending level to a single customer
- For customer being individual
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5. Maximum lending term
- For customer being individual
- For customer being organization
6. Total outstanding loans with security asset
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- Pledged by value of land use right and assets tied to land
- Pledged by assets tied to land
- Secured by other assets
7. Total outstanding loans without security asset
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Drawer
........, date......
General Director
(sign and seal)
Guidance on drawing Form No. 01/BDS-CSTT
1. Subjects of application: Commercial banks, foreign bank branches, joint venture banks, finance companies, central people's credit fund;
2. Report recipient:
- Monetary Policy Department- SBV (email: phongcstd@sbv.gov.vn; cstdcstt@yahoo.com); Fax: 04-8240132
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3. Deadline for sending report: on a monthly basis, on 10th of the month following the reporting month at the latest
4. Please clearly state full name and contact telephone number of person in charge of answering details of report upon request of SBV
5. During the implementation, please contact through the telephone number: 04-8259158 in case of any query.
FORM NO. 02/BDS-CSTT
NAME OF REPORTING CI
REPORT ON STATUS OF LENDING, FINANCE LEASING FOR SATISFYING CAPITAL DEMAND TO SERVE LIVING
Month... year 20...
Unit: Billion dong
Norms
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I. Outstanding loan, finance lease
1. Classified by term of loan, finance lease
- Short term
- Medium, long term
2. Classified by demand for loan fund, finance leased fund
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- Providing loans for purchase, repair of house and purchase of land use right to build house for living and borrower uses salary for debt repayment
- Providing loans, finance lease for procurement of transport means
- Providing loans for satisfying demand of expenses on abroad study and disease treatment
- Providing loans for satisfying demand of expenses on domestic study and disease treatment
- Providing loans, finance lease for buying home interior equipment
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- Providing overdraft loan
- Providing loans, finance lease for other requirements to serve living
3. Classified by mode of security
- Not secured by assets
- Secured by salary
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- Secured by other assets
5. Maximum term of loan, finance lease
II. Outstanding bad debt
Drawer
........, date......
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Guidance on drawing Form No. 02/BDS-CSTT
1. Subjects of application: Commercial banks, foreign bank branches, joint venture banks, finance companies, central people's credit fund;
2. Report recipient:
- Monetary Policy Department- SBV (email: phongcstd@sbv.gov.vn; cstdcstt@yahoo.com); Fax: 04-8240132
- SBV Inspectorate (email: thanhtra@sbv.gov.vn); Fax: 04-8259156
3. Deadline for sending report: on a monthly basis, on 10th of the month following the reporting month at the latest
4. Please clearly state full name and contact telephone number of person in charge of answering details of report upon request of SBV
5. During the implementation, please contact through the telephone number: 04-8259158 in case of any query.
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SBV BRANCH IN PROVINCE, CITY....
REPORT ON STATUS OF LENDING FOR REAL ESTATE SECTOR
Month... year 20...
Unit: Billion dong
Norm
Balance
I. Outstanding loan
1. Classified by loan term
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- Medium, long term
2. Classified by demand for loan fund (listing all expenses related to each demand for loan fund, including land, house, construction work tied to land, inclusive of assets tied to that house, construction work, other assets tied to land)
- Construction of infrastructure for the purpose of production, business
- Construction of industrial zones, export processing zones
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- Construction of office (building) for lease
- Construction and dealing in trade centers, markets, shops
- Construction, repair, purchase of house for living (except for case where borrowers use salary for debt repayment)
- Construction, repair, purchase of house for sale
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- Investment, trading in other real estates
3. Maximum lending level to a single customer
- For customer being individual
- For customer being organization
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- For customer being individual
- For customer being organization
5. Total outstanding loans with security asset
Of which: Pledged by value of land use right
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- Pledged by assets tied to land
- Secured by other assets
6. Total outstanding loans without security asset
II. Outstanding bad debts
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Drawer
........, date......
General Director
(sign and seal)
Guidance on drawing Form No. 02/BDS-CSTT
1. Subjects of application: Commercial banks, foreign bank branches, joint venture banks, finance companies, central people's credit fund;
2. Report recipient:
- Monetary Policy Department- SBV (email: phongcstd@sbv.gov.vn; cstdcstt@yahoo.com); Fax: 04-8240132
- SBV Inspectorate (email: thanhtra@sbv.gov.vn); Fax: 04-8259156
3. Deadline for sending report: on a monthly basis, on 10th of the month following the reporting month at the latest
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5. During the implementation, please contact through the telephone number: 04-8259158 in case of any query.