According to the Circular, a credit institution shall consider and decide to provide a loan for outward investment where the client satisfies the following conditions:
(1) A client that is a juridical person must possess civil legal capacity as prescribed by law. A client that is an individual must be at least 18 years old, possess full civil act capacity as prescribed by law, and be eligible to conduct outward investment activities in accordance with the law on investment.
(2) The client has been granted an Outward Investment Registration Certificate or has obtained certification of the registration of foreign exchange transactions related to outward investment activities in accordance with the law on foreign exchange, in the case of a project for which procedures for issuance of an Outward Investment Registration Certificate are not required.
(3) The investment activity has been approved or licensed by a competent authority of the host country. Where the law of the host country does not provide for investment licensing or approval, the investor must possess documents proving its right to conduct investment activities in the host country.
(4) The client has an outward investment project that is assessed as feasible by the credit institution, and the client is capable of repaying its debt to the credit institution.
(5) The client has incurred no bad debt during the 24 consecutive months preceding the date of its loan application.
Loan amount for outward investment
The loan amount shall be agreed upon by the credit institution and the client based on the client’s borrowing needs, the outward investment project, the client’s financial capacity, the credit limits applicable to the client, and the credit institution’s funding capacity.
The maximum committed loan amount specified in a loan contract/agreement of a credit institution for implementation of an outward investment project must not exceed 70% of the client’s outward investment capital in that project. Where a client borrows from multiple credit institutions to implement the same outward investment project, the total committed loan amount specified in the loan contracts/agreements between the credit institutions and the client for implementation of the project must not exceed 70% of the client’s outward investment capital in that project.
See more details in Vietnam’s Circular No. 32/2026/TT-NHNN effective as of August 18, 2026.
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Above are the summary and notification of new documents for customers of THU VIEN PHAP LUAT. For more information, please send an email to [email protected].
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