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MEKONG COUNSEL

Circular guiding the implementation of regulations on supportive policies to reduce post – harvested losses of agricultural and fishery products.

On June 22nd, 2012, the State Bank of Vietnam issued Circular No. 22/2012/TT-NHNN guiding the implementation of Decision No. 63/2010/QD-TTg dated October 15th, 2010 and Decision 65/2011/QD-TTg dated Demcember 2nd, 2011 of the Prime Minister on supportive policies to reduce post-harvested losses of agricultural and fishery products. Accordingly, the loans with supportive interest rate to reduce post-harvested losses and loans appying credit interest rate for development investment shall be detailed as follows:

 

Loans with supportive interest rate to reduce post-harvested losses

 

- Subjects: Cooperatives, cooperative groups, households and individuals having legal residence address and being certified by the commune-level People's Committees to be direct producers or production-served; Enterprises having signed and performed contracts of agricultural products consumption and services of agricultural production mechanization with farmers.

 

- Conditions for borrowing loans with supportive interest rate:

 

+ Being subject eligible for capital loans as prescribed;

 

+ Having a feasible project, an efficient plan for investment in machinery and equipment to reduce post-harvested losses, and being appraised by the Vietnam Bank for Agriculture and Rural Development, the Mekong Housing Development Bank, the Bank for Investment and Development of Vietnam, the Vietnam Bank for Industry and Trade, and the Joint-Stock Commercial Bank for Foreign Trade of Vietnam ("state-owned commercial banks") and decided to lend under prevailing regulations;

 

+ Having a medium-term or long-term loan in Vietnam dong;

 

+ Machinery and equipment invested by borrowed capital must be under the list of machinery and equipment to reduce post-harvested losses of agricultural, fishery products as prescribed.

 

- Loan amount: In accordance with the agreement between the customer and the lending bank, but not exceeding 100% of the goods value.

 

- Lending interest rate: The lowest lending interest rate of the interest rate framework of the bank applying to loans to serve the agricultural and rural areas domain with the same term in the same period shall be applied.

 

- Support interest rate level: 100% for the first 2 years; from the 3rd year onward 50% of the lending interest rate shall be supported. Overdue loans shall not be supported with interest rate as from the time of transferring to overdue loans.

 

Loan applying credit interest rate for development investment

 

- Subjects: Machines for soil preparation, sowing, planting, tendering, harvesting of rice, maize, coffee, tea, sugarcane; dryers, basic materials to make drying yard (rice, maize, coffee, cashew, pepper) having an area of up to ​​1,000 m2; Machinery and equipment used for the production of fishery breeds; Raw materials, equipment for construction, renovation of aquaculture ponds; Equipment and facilities for fishery aquaculture, harvesting, and transportation; Coolers, freezers, ice producing equipment on fishing vessels, storage rooms for long fishing days on the sea.

 

- Conditions for borrowing capital:

 

+ Being subject eligible for capital loans as prescribed;

 

+ Having a feasible projects, an efficient plan for investment in machinery and equipment to reduce post-harvested losses, and being appraised by the Vietnam Bank for Agriculture and Rural Development of Vietnam and decided to lend under prevailing regulations;

 

+ Having a loan in Vietnam dong;

 

+ Machinery and equipment investment by borrowed capital must be under the list of machinery and equipment to reduce post-harvested losses of agricultural, fishery products as prescribed.

 

- Loan amount: As agreed upon in the credit contract between the customer and the Bank for Agriculture and Rural Development of Vietnam.

 

- Lending interest rate: The State’s credit interest rate for development investment as announced by the Ministry of Finance.

 

This Circular shall be effective from October 8th, 2012 and supersede Circular No. 03/2011/TT-NHNN dated August 3rd, 2011 of the State Bank of Vietnam guiding the implementation of Decision No. 63/2010/QD-TTg.

 

Remarks: File(s) attached.