Hot: Các bạn thân mến! Lãi suất cho vay đã bắt đầu hạ xuống 11,5%/năm...

Tóm tắt hộ các bác 2 ý quan trong nhất:

1. Ngân hàng đầu tiên hạ lãi suất cho vay xuống 11,5%/năm là HD bank cho các khoản vay trung và dài hạn!

2. Trong nỗ lực đẩy nhanh mức cân bằng tín dụng, các ngân hàng thương mại sẽ tiếp tục cắt giảm lãi suất thời gian tới
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http://www.vietfinancenews.com/2010/08/bank-may-cut-lending-interest-rates.html

Bank may cut lending interest rates further

In the current context of the national economy and with an aim to promote credit growth to 25 percent this year, banks have no choice, but to reduce lending interest rates further, said banking specialists.


According to the State Bank of Vietnam, by the end July, total mobilised capital grew 16.3 percent, while total outstanding loans of the banking sector increased by nearly 13 percent over last year. Thus, the growth of mobilised capital is better than that of loans in the first seven months of 2010.


In HCM City, the HCM City Department of Statistics said that in July, the pace of mobilised capital growth for the first time was higher than loans. Mobilised capital of the city's banking system reached 669.7 trillion dong, increasing 20.5 percent over the same period last year and increased 11 percent over earlier this year, while outstanding loans touched 610.8 trillion dong, up 26.4 percent over the same period last year, up 9.1 percent over earlier this year. In particular, outstanding loans in the foreign currencies, mainly US dollars accounted for 28 percent of total outstanding loans, up 44.2 percent against the same period last year and credit balance in dong rose 20.5 percent.


The improved capital mobilisation is a prerequisite for the banks to boost lending. On the other hand, many banks announced the results showing that in the first six months of this year, they were still mainly living up to credit activities such as Vietcombank, Eximbank, Asia Commercial Bank and others. Credits will continue to be strengthened in the near future.


Meanwhile, since mid-June, the State Bank had issued restriction on foreign currency loans. The apex bank asked the credit institutions to constantly balance loans in foreign currencies, mainly US dollars lower than capital balance in dollars that they mobilised from other economic organisations and residents, ensuring the ability to secure payment; strict control of credit limits, loan terms corresponding to terms of mobilised capital in dollars, and secure no risks of loan term and liquidity.


Thus, Vietnam's commercial banks only can lend in dong.
Meanwhile, enterprises and some experts contend that high interest rates are hindering dong credit growth. In efforts to push up the dong credit balance, commercial banks must cut down lending interest rates further.


Recently, HD Bank, a medium sized bank, has cut down loan interest rate to the lowest level of 11.5 percent, which is applied to small and medium enterprises that borrow its medium and long term loans.
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