ࡱ> [ bjbjYY 8Z;p\;p\O ``8$XI0HHHHHHH$J>MH-HIFFFHFHFFFp!2<* FH(I0XIFTNFTNFTNFFHHF(XITN`> : NGN HNG NH NC VIT NAM ------- S:  HYPERLINK "https://tailieuluat.com/thong-tu-25-2016-tt-nhnn-ngan-hang-nha-nuoc-viet-nam-vb6665.html" 25/2016/TT-NHNNCNG HA X HI CH NGH(A VIT NAM c lp - T do - Hnh phc --------------- H Ni, ngy 29 thng 07 nm 2016 THNG T SA I, B SUNG MT S IU TI THNG T S 11/2013/TT-NHNN NGY 15 THNG 5 NM 2013 CA THNG C NGN HNG NH NC VIT NAM QUY NH V CHO VAY H TR NH  THEO NGH QUYT S 02/NQ-CP NGY 07 THNG 01 NM 2013 CA CHNH PH Cn c Lut Ngn hng Nh nc Vit Nam s 46/2010/QH12 ngy 16 thng 6 nm 2010; Cn c Lut cc t chc tn dng s 47/2010/QH12 ngy 16 thng 6 nm 2010; Cn c Lut Nh  65/2014/QH13 ngy 25 thng 11 nm 2014; Cn c Ngh nh s 156/2013/N-CP ngy 11 thng 11 nm 2013 quy nh chc nng, nhim v, quyn hn v c cu t chc ca Ngn hng Nh nc Vit Nam; Cn c Ngh quyt s 23/NQ-CP ngy 30 thng 03 nm 2016 ca Chnh ph v phin hp Chnh ph thng k thng 3 nm 2016; Theo  ngh ca V trng V Tn dng cc ngnh kinh t; Thng c Ngn hng Nh nc Vit Nam ban hnh Thng t sa i, b sung mt s iu ti Thng t s 11/2013/TT-NHNN ngy 15 thng 5 nm 2013 ca Thng c Ngn hng Nh nc Vit Nam quy nh v cho vay h tr nh  theo Ngh quyt s 02/NQ-CP ngy 07 thng 01 nm 2013 ca Chnh ph. iu 1. Sa i, b sung mt s iu ti Thng t s 11/2013/TT-NHNN ngy 15 thng 5 nm 2013 ca Thng c Ngn hng Nh nc Vit Nam quy nh v cho vay h tr nh  theo Ngh quyt s 02/NQ-CP ngy 07 thng 01 nm 2013 ca Chnh ph (sau y gi tt l Thng t 11/2013/TT-NHNN): 1. Sa i, b sung im a khon 1 iu 1 nh sau:  a) Thng t ny quy nh v cho vay h tr nh  t ngun ti cp vn ca Ngn hng Nh nc Vit Nam (sau y gi l Ngn hng Nh nc) theo Ngh quyt s 02/NQ-CP ngy 07 thng 01 nm 2013 ca Chnh ph v mt s gii php tho g kh khn cho sn xut kinh doanh, h tr th trng, gii quyt n xu; Ngh quyt s 48/NQ-CP ngy 04 thng 04 nm 2013 ca Chnh ph v phin hp thng k Chnh ph thng 3 nm 2013; Ngh quyt s 61/NQ-CP ngy 21 thng 08 nm 2014 ca Chnh ph v vic sa i, b sung Ngh quyt s 02/NQ-CP v Ngh quyt s 23/NQ-CP ngy 30 thng 03 nm 2016 ca Chnh ph v phin hp Chnh ph thng k thng 3 nm 2016. . 2. Sa i, b sung iu 2 nh sau: a) B sung thm vo cui khon 1 nh sau:  Ring i vi khch hng l c nhn, h gia nh mua, thu, thu mua nh  x hi; thu, mua nh  thng mi; xy dng mi hoc ci to sa cha li nh  ca mnh, thi gian gii ngn ca cc ngn hng t ngun ti cp vn ca Ngn hng Nh nc  cho vay h tr nh  c thc hin ti a n ht ngy 31 thng 12 nm 2016. ; b) B sung khon 5 v 6 vo iu 2 nh sau:  5. Vic gii ngn ti cp vn ca Ngn hng Nh nc ch p dng i vi cc khon vay m ngn hng  k hp ng tn dng vi khch hng trc ngy 31 thng 03 nm 2016 v  c ngn hng bo co Ngn hng Nh nc ti bo co nh k s liu n ngy 10 thng 5 nm 2016. 6. Sau thi im ngn hng kt thc gii ngn t ngun ti cp vn ca Ngn hng Nh nc quy nh ti khon 1 iu ny, ngn hng tip tc gii ngn cho khch hng i vi s tin cha gii ngn ht theo hp ng tn dng  k bng ngun vn ca ngn hng trn c s li sut cho vay tha thun v chnh sch khch hng ca tng ngn hng. . 3. Sa i, b sung iu 8 nh sau: a) Sa i, b sung khon 1 nh sau:  1. Ngn hng Nh nc thc hin gii ngn cho vay ti cp vn i vi ngn hng trn c s d n cho vay ca ngn hng i vi khch hng thuc cc hp ng tn dng k trc ngy 31 thng 03 nm 2016 v  c ngn hng bo co Ngn hng Nh nc ti bo co nh k s liu n ngy 10 thng 5 nm 2016 theo nguyn tc cho vay h tr nh  quy nh ti iu 2 Thng t ny. ; b) Sa i, b sung im c (iii) v im c (iv) khon 5 nh sau:  iii) Trong thi hn ti a 04 ngy lm vic k t ngy nhn c vn bn xin kin ca V Tn dng cc ngnh kinh t, C quan Thanh tra, gim st ngn hng v V Chnh sch tin t c kin bng vn bn gi V Tn dng cc ngnh kinh t. Trong thi hn 02 ngy lm vic k t ngy nhn c kin bng vn bn ca cc n v nu trn, V Tn dng cc ngnh kinh t tng hp trnh Thng c Ngn hng Nh nc quyt nh ph duyt s tin ti cp vn cho ngn hng; iv) Cn c vo quyt nh ca Thng c Ngn hng Nh nc v hp ng ti cp vn nguyn tc v cho vay h tr nh  gia Ngn hng Nh nc v ngn hng, trong thi hn 03 ngy lm vic k t ngy nhn c vn bn thng bo ti cp vn ca Ngn hng Nh nc v h s ca cc ngn hng, S Giao dch Ngn hng Nh nc thc hin ph duyt kh c nhn n v gii ngn cho cc ngn hng i vi s tin ti cp vn  c ph duyt. ; c) Sa i, b sung im d (iii) khon 5 nh sau:  iii) Vic thu n gc ti cp vn c tnh gim tr ln lt vo cc kh c nhn n ca ngn hng ti Ngn hng Nh nc theo th t thi gian ca cc kh c nhn n, tnh t kh c nhn n u tin; Ti thi im tr n gc ti cp vn cho Ngn hng Nh nc, ngn hng c trch nhim thanh ton ton b tin li i vi cc kh c nhn n c thanh ton ton b n gc. i vi kh c thanh ton n gc mt phn, Ngn hng Nh nc thc hin thu li nh quy nh ti im b khon 2 iu 8 Thng t ny. . d) Sa i, b sung khon 6 nh sau:  6. X l i vi vic khng tr n ng hn: Trng hp ngn hng vi phm vic tr n gc v li theo quy nh ti Thng t ny, Ngn hng Nh nc chuyn khon n (gc v li) sang n qu hn, thc hin thu n theo th t u tin: thu n gc qu hn trc, thu n li qu hn sau v p dng theo mc li sut n qu hn, k t ngy qu hn. ng thi Ngn hng Nh nc thc hin thu hi khon n qu hn theo cc th t u tin sau: Trch ti khon tin gi ca ngn hng ti Ngn hng Nh nc; Thu n gc v li t cc ngun khc (nu c) ca ngn hng; Cc hnh thc khc theo quy nh ca php lut. ; ) B sung khon 7 vo iu 8 nh sau:  7. X l i vi nhng trng hp cho vay khng ng quy nh hoc bo co s liu khng chnh xc: Trng hp qua thanh tra, gim st pht hin ngn hng cho vay khng ng quy nh v i tng, iu kin vay vn hoc s liu bo co Ngn hng Nh nc khng chnh xc, ngn hng b x l theo cc quy nh ca php lut hin hnh. ng thi, Ngn hng Nh nc thc hin thu hi s tin n gc ti cp vn vi phm v thu s tin li tng ng tnh t ngy ngn hng nhn n ti cp vn vi S Giao dch Ngn hng Nh nc n thi im tr ht s tin n gc b thu hi; b) Trong thi hn ti a 02 ngy lm vic k t ngy nhn c vn bn thng bo ca Ngn hng Nh nc v vic x l thu hi n ti cp vn do cho vay khng ng quy nh hoc bo co s liu khng chnh xc, ngn hng phi ch ng thc hin tr n gc, li khon vay ti cp vn cho S Giao dch Ngn hng Nh nc. Qu thi hn trn, S Giao dch Ngn hng Nh nc t ng thu hi theo quy nh ti khon 6 iu ny. . 4. Sa i, b sung iu 10 nh sau: a) Sa i, b sung khon 1 nh sau:  1. Ban hnh vn bn hng dn v cho vay h tr nh  trong h thng, ph hp vi cc quy nh ca Thng t ny v php lut c lin quan. Thc hin hng dn, gii thch, ph bin ng, y  v ni dung chnh sch ti khch hng vay vn v cc bn c lin quan trong qu trnh trin khai, thc hin. ; b) B sung khon 5 vo iu 10 nh sau:  5. Thc hin cho vay, gii ngn, thu n, kim sot cht ch vn vay i vi khch hng; nhn n v tr n vay ti cp vn i vi Ngn hng Nh nc theo ng quy nh ca Ngn hng Nh nc v quy nh ca php lut. . 5. Thay th Ph lc s 01 v 02 ban hnh km theo Thng t s 11/2013/TT-NHNN ( c sa i, b sung bi Thng t 32/2014/TT-NHNN ngy 18 thng 11 nm 2014 ca Ngn hng Nh nc v sa i, b sung mt s iu ti Thng t 11/2013/TT-NHNN) bng Ph lc s 01 v 02 ban hnh km theo Thng t ny. iu 2. Quy nh chuyn tip 1. Cc khon gii ngn ca ngn hng trong thi gian t ngy 01 thng 06 nm 2016 n ngy Thng t ny c hiu lc c Ngn hng Nh nc ti cp vn khi p ng  cc iu kin sau: a) Thuc cc hp ng tn dng k trc ngy 31 thng 03 nm 2016 vi khch hng l c nhn, h gia nh mua, thu, thu mua nh  x hi; thu, mua nh  thng mi; xy dng mi hoc ci to sa cha li nh  ca mnh; b) Thuc cc hp ng tn dng  c ngn hng tng hp v bo co Ngn hng Nh nc ti bo co nh k s liu n ngy 10 thng 5 nm 2016. 2. i vi cc khon gii ngn  iu kin ti khon 1 iu ny, ngn hng p dng mc li sut cho vay h tr nh  do Ngn hng Nh nc cng b hng nm k t thi im gii ngn, nhng khng qu thi gian p dng mc li sut cho vay quy nh ti khon 4 iu 4 Thng t 11/2013/TT-NHNN. 3. Trong trng hp ngn hng  thu n li vi mc li sut ln hn mc li sut cho vay h tr nh , ngn hng thc hin hon tr phn chnh lch n li gia mc li sut thc t  thu v mc li sut cho vay h tr nh  trong thi hn khng qu 02 (hai) thng k t ngy Thng t ny c hiu lc thi hnh hoc b tr cho khch hng chm nht vo 02 (hai) k thu li gn nht sau khi c Ngn hng Nh nc ti cp vn. iu 3. iu khon thi hnh 1. Thng t ny c hiu lc thi hnh k t ngy 01 thng 8 nm 2016. 2. Bi b on  a) Thng t ny quy nh v cho vay h tr nh  t ngun ti cp vn ca Ngn hng Nh nc Vit Nam (sau y gi l Ngn hng Nh nc) theo Ngh quyt s 02/NQ-CP ngy 07 thng 01 nm 2013 ca Chnh ph v mt s gii php tho g kh khn cho sn xut kinh doanh, h tr th trng, gii quyt n xu, Ngh quyt s 48/NQ-CP ngy 04 thng 4 nm 2013 ca Chnh ph v phin hp thng k Chnh ph thng 3 nm 2013 v Ngh quyt s 61/NQ-CP ngy 21 thng 8 nm 2014 ca Chnh ph v vic sa i, b sung Ngh quyt s 02/NQ-CP ti khon 1 iu 1 Thng t 32/2014/TT-NHNN. 3. Bi b Ph lc s 01 v Ph lc s 02 ban hnh km theo Thng t 32/2014/TT-NHNN. 4. 6FHPR " @ B D    & * , . 0 @ B  F H r~Ʒugugu[uuuuguh-hb=S5CJaJh-hb=S6CJ]aJ"h-hb=S6CJ]aJmH*sH*$h-hb=S0J>*B*CJaJph#jh-h-CJUaJh-h-CJaJjh-h-CJUaJh-hb=SCJaJmH*sH*h-hb=SCJaJ"h-hb=S5CJ\aJmH*sH*h-hb=S5CJ\aJ#HD ( * . 0 B  H xxxxxjj $x`a$gdb=S$a$gdb=Sfkd;$$If0 $ | t622 l4alpytb=S $$Ifa$gdb=S $$Ifa$gdb=S H R,Bv""<#4&&`*-0./42~225d66 $x`a$gdb=SPRVX|~*,@Ht|! !"""":#<#2&:&&&:(<(^*`***--..0.//22:2|2~222õõզզզզզզզզզզզզզզզզզզզզզզh-hb=SCJaJmH*sH*h-hb=S5CJ\aJ"h-hb=S5CJ\aJmH*sH*h-hb=SCJaJ"h-hb=S6CJ]aJmH*sH*h-hb=S6CJ]aJA23355b6d666>7@777V8X899.:0: <<>> ??Z?\?????*A,ANAPAVAXARBZBBB\DdDFFFFFFGHdHlH J(JDKLKTL\L`LbLjLlLpLrLLLLLMMPPQ"Q|QQQQQQrSvS(U*U"h-hb=S5CJ\aJmH*sH*h-hb=SCJaJh-hb=SCJaJmH*sH*T6@77X8 <\???TBB^DFFfH"JFKMPQQHVVhhk $Ifgdb=Sgdb=S $`a$gdb=S $x`a$gdb=S*UFVNVVVfhhhhhhRiXi|iiiiiijjFjLjjjjjjkkkkkkkl lll2l>lNlRlZl^llllllvmzmm0npnrn"h-hb=S6CJ]aJmH*sH*"h-hb=S5CJ\aJmH*sH*h-hb=S5CJ\aJ(h-hb=S56CJ\]aJmH*sH*Uh-hb=SCJaJh-hb=SCJaJmH*sH*8Chnh Vn phng, V trng V Tn dng cc ngnh kinh t, Th trng cc n v thuc Ngn hng Nh nc; Gim c Ngn hng Nh nc chi nhnh cc tnh, thnh ph trc thuc Trung ng; Ch tch Hi ng thnh vin, Ch tch Hi ng qun tr, Tng gim c (Gim c) cc ngn hng thng mi chu trch nhim t chc thi hnh Thng t ny./. Ni nhn: - Nh khon 4 iu 3; - Th tng v cc Ph Th tng ( bo co); - Ban Lnh o NHNN; - Vn phng Trung ng ng; - Vn phng Chnh ph; - Vn phng Quc hi; - Vn phng Ch tch nc; - B Xy dng ( phi hp thc hin); - B T php ( kim tra); - Cc B: Ti chnh, K hoch u t; LTBXH; UBND tnh, thnh ph trc thuc trung ng; - Cng bo; - Lu VP, V TDCNKT (5).KT. THNG C PH THNG C Nguyn ng Tin PH LC S 01 - Mu cng vn  ngh vay ti cp vn NGN HNG & & & & . -------CNG HA X HI CH NGH(A VIT NAM c lp - T do - Hnh phc ---------------S: & & & & & & & V/v  ngh vay ti cp vn h tr nh  theo Ngh quyt 02/NQ-CP thng& & & & & ..& & & & .., ngy & & thng & & nm 20&  Knh gi: Ngn hng Nh nc Vit Nam (V Tn dng cc ngnh kinh t) Cn c Thng t s 11/2013/TT-NHNN ngy 15/5/2013 ca Ngn hng Nh nc Vit Nam quy nh v cho vay h tr nh  theo Ngh quyt s 02/NQ-CP ngy 07/01/2013 ca Chnh ph v Thng t s & & ../2016/TT-NHNN ngay 29/7/2016 sa i, b sung mt s iu ti Thng t s 11/2013/TT-NHNN; Cn c kt qu cho vay h tr nh  theo Ngh quyt 02/NQ-CP ti Ngn hng & & & .n thi im & & & & & .theo Cng vn s & & & & Ngn hng& & & & &  ngh Ngn hng Nh nc Vit Nam gii ngn ti cp vn cho Ngn hng & & .... theo cc thng tin sau y: 1. S tin  ngh ti cp vn thng & ... l: & & & & & & ..(Bng ch:& & & & & & & .) S tin ti cp vn liy k n thi im & ... l: & & & & & & & ..(Bng ch:& & & & .) 2. Mc ch vay: cho vay h tr nh  i vi khch hng l c nhn, h gia nh mua, thu, thu mua nh  x hi; thu, mua nh  thng mi; xy dng mi hoc ci to sa cha li nh  ca mnh (gi chung l nhm khch hng c nhn) 3. Thi hn vay: theo quy nh ti khon 3 iu 8 Thng t s 11/2013/TT- NHNN ngy 15/5/2013 v cc vn bn sa i b sung. 4. D kin gii ngn cho nhm khch hng c nhn trong thng tip theo: Ngn hng& & & & & & & & & & cam kt gii ngn s tin ti cp vn ng mc ch v thc hin tr n gc, li vay theo ng quy nh hin hnh./. Ni nhn: - & & & & & & NGI I DIN HP PHP (K, ng du, ghi r h tn, chc v) PH LC S 02 - Mu cng vn v bo co kt qu cho vay h tr nh  NGN HNG & & & & . -------CNG HA X HI CH NGH(A VIT NAM c lp - T do - Hnh phc ---------------S: & & & & & & & V/v bo co kt qu cho vay h tr nh  theo Ngh quyt 02/NQ-CP& & & & .., ngy & & thng & & nm 20&  Knh gi: Ngn hng Nh nc Vit Nam (V Tn dng cc ngnh kinh t) Ngn hng& & & & & & & & & bo co kt qu cho vay h tr nh  t ngun ti cp vn ca Ngn hng Nh nc theo Ngh quyt 02/NQ-CP ti Ngn hng& & & .. n thi im& & & .. nh sau: STTCh tiuDoanh s cho vay liy k t u chng trnh (ng)Doanh s thu n liy k t u chng trnh (ng)D n (ng)D phng c th  trchS khch hng cn d nD nN xu1Cho vay i vi khch hng c nhn, trong :1.1Cho vay mua, thu, thu mua nh  x hi1.2Cho vay thu, mua nh  thng mi1.3Cho vay xy dng mi, ci to sa cha li nh 2Cho vay i vi h gia nh, c nhn u t ci to hoc xy dng mi nh  x hi, trong :2.1Cho vay xy dng mi nh  x hi2.2Cho vay u t ci to nh  x hi3Cho vay i vi khch hng doanh nghip, trong :3.1Cho vay d n xy dng nh  x hi3.2Cho vay d n nh  thng mi chuyn i cng nng sang nh  x hiTng cngD kin gii ngn trong k tix Ni nhn: - & & & & & & nh km: - Bo co 01; - Bo co 02.NGI I DIN HP PHP (K, ng du, ghi r h tn, chc v) MU BO CO 01 NGN HNG & & & & & . BO CO KT QU CHO VAY H TR NH  T NGUN TI CP VN CA NGN HNG NH NC THEO THNG T 11/2013/TT-NHNN THEO NHM I TNG KHCH HNG Thng & & & .. nm& & & & & & Tng d n cho vay h tr nh  theo Ngh quyt 02/NQ-CP n ngy & & & & .l: & & & & & & & ..t ng, chim t trng ....% tng d n cho vay ca ngn hng, trong : - D n cho vay h tr nh  khng t ngun ti cp vn ca Ngn hng Nh nc l& & & & & & & & & & & & .t ng (1) - D n cho vay h tr nh  ca ngn hng t ngun ti cp vn ca Ngn hng Nh nc l & & & & & & t ng. D n ti cp vn h tr nh  ca ngn hng ti Ngn hng Nh nc l& & & & & & & t ng. Chi tit kt qu cho vay h tr nh  t ngun ti cp vn ca Ngn hng Nh nc theo bng di y. STTCh tiuDoanh s cho vay liy k t u chng trnh (ng)Doanh s thu n liy k t u chng trnh (ng)D n (ng)D phng c th  trchS khch hng cn d nD nN xu(1)(2)(3)(4)(5)(6)(7)(8)ICho vay i vi khch hng c nhn, trong :1Cho vay mua, thu, thu mua nh  x hi, trong :1.1Cho vay mua nh  x hi1.2Cho vay thu nh  x hi1.3Cho vay thu mua nh  x hi2Cho vay thu, mua nh  thng mi, trong :2.1Cho vay thu nh  thng mi2.2Cho vay mua nh  thng mi3Cho vay xy dng mi, ci to sa cha li nh , trong :3.1Cho vay xy dng mi nh 3.2Cho vay ci to, sa cha nh IICho vay i vi h gia nh, c nhn tham gia u t ci to hoc xy dng mi nh  x hi, trong :1Cho vay xy dng mi nh  x hi1.1Khch hng A (Tn khch hng, d n, a im)& ...2Cho vay u t ci to nh  x hi2.1Khch hng A (Tn khch hng, d n, a im)& ...IIICho vay i vi khch hng doanh nghip, trong :1Cho vay d n xy dng nh  x hi1.1Khch hng A (Tn khch hng, d n, a im)& ...2Cho vay d n nh  thng mi c chuyn i cng nng sang d n nh  x hi2.1Khch hng A (Tn khch hng, d n, a im)& ...Tng cng (I+II+III) Ghi ch: - Tng d n cho vay ca ngn hng c ly theo s liu ngn hng bo co V D bo thng k tin t hng thng. - (1) Thng k d n cho vay nh  thng thng (khng t ngun ti cp vn) vi li sut thp nht trong khung li sut cho vay trung di hn ca ngn hng, thi hn ph hp vi kh nng tr n ca khch hng v tnh hnh ti chnh ca ngn hng. - i vi nhng dng khai bo chi tit v tng khch hng th khng in s liu vo ct (8) Lp biu Kim sot& & & & .., Ngy & & thng & & nm 20& NGI I DIN HP PHP (K, ng du, ghi r h tn, chc v) MU BO CO 02 NGN HNG & & & & & .. BO CO KT QU CHO VAY H TR NH  T NGUN TI CP VN CA NGN HNG NH NC THEO THNG T 11/2013/TT-NHNN PHN THEO A BN CHO VAY Thng & & & .nm& & & & & .. STTTnh, thnh phDoanh s cho vay liy k t u chng trnh (ng)Doanh s thu n liy k t u chng trnh (ng)D n (ng)D phng  trchS lng khch hng cn d nD nN xu(1)(2)(3)(4)(5)(6)(7)(8)1H Ni1.1Cho vay i vi khch hng c nhn, trong :aCho vay mua, thu, thu mua nh  x hibCho vay thu, mua nh  thng micCho vay xy dng mi, ci to sa cha li nh 1.2Cho vay i vi h gia nh, c nhn u t ci to hoc xy dng mi nh  x hi, trong :aCho vay xy dng mi nh  x hibCho vay u t ci to nh  x hi1.3Cho vay i vi khch hng doanh nghip, trong :aCho vay d n xy dng nh  x hibCho vay d n nh  thng mi c chuyn i cng nng sang d n nh  x hi2TP. H Ch Minh2.1Cho vay i vi khch hng c nhn, trong :aCho vay mua, thu, thu mua nh  x hibCho vay thu, mua nh  thng micCho vay xy dng mi, ci to sa cha li nh 2.2Cho vay i vi h gia nh, c nhn u t ci to hoc xy dng mi nh  x hi, trong :aCho vay xy dng mi nh  x hibCho vay u t ci to nh  x hi2.3Cho vay i vi khch hng doanh nghip, trong :aCho vay d n xy dng nh  x hibCho vay d n nh  thng mi c chuyn i cng nng sang d n nh  x hi3Tnh/thnh ph...3.1Cho vay i vi khch hng c nhn, trong :aCho vay mua, thu, thu mua nh  x hibCho vay thu, mua nh  thng micCho vay xy dng mi, ci to sa cha li nh 3.2Cho vay i vi h gia nh, c nhn u t ci to hoc xy dng mi nh  x hi, trong :aCho vay xy dng mi nh  x hibCho vay u t ci to nh  x hi3.3Cho vay i vi khch hng doanh nghip, trong :aCho vay d n xy dng nh  x hibCho vay d n nh  thng mi c chuyn i cng nng sang d n nh  x hi& & Tng cng, trong :1. Cho vay i vi khch hng c nhn, trong :- Cho vay mua, thu, thu mua nh  x hi- Cho vay thu, mua nh  thng mi- Cho vay xy dng mi, ci to sa cha li nh 2. Cho vay i vi h gia nh, c nhn u t ci to hoc xy dng mi nh  x hi, trong :- Cho vay xy dng mi nh  x hi- Cho vay u t ci to nh  x hi3. 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