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THE
STATE BANK OF VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence Freedom Happiness
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No. 5659/NHNN-CSTT
Re: making report on some credit norms
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Hanoi,
25 June 2008
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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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...
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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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...
...
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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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...
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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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...
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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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...
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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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...
...
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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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...
...
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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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...
...
Please sign up or sign in to your Pro Membership to see English documents.
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.
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
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
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
- 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
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
- 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
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
- Investment, trading in other
real estates
3. Maximum lending level to a
single customer
- For customer being
individual
- For customer being
organization
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
- For customer being
individual
- For customer being
organization
5. Total outstanding loans
with security asset
Of which: Pledged by value of
land use right
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
- Pledged by assets tied to
land
- Secured by other assets
6. Total outstanding loans
without security asset
II. Outstanding bad debts
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
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
...
...
...
Please sign up or sign in to your Pro Membership to see English documents.
5. During the implementation,
please contact through the telephone number: 04-8259158 in case of any query.