The State Bank and the system of commercial banks offer many credit packages, both encouraging and motivating businesses to focus on developing priority areas.
In addition to solutions to overcome capital difficulties, the State Bank also allows commercial banks to extend the implementation period of the policy in Circular 02/2023/TT-NHNN, restructure the debt repayment period and maintain the debt group to support customers facing difficulties for another 6 months, until December 31, 2024 instead of ending on June 30, 2024. This policy quickly received support from the business community. With 6 months of continued extension and postponement of the bank loan repayment period, businesses will have more time to focus on production and business activities, and strengthen their internal strength. Therefore, it has helped many businesses return to operation. According to information from the Department of Business Registration (Ministry of Planning and Investment), in the first 6 months of 2024, the whole country had 80,482 newly established enterprises, an increase of 6.1% over the same period in 2023, the number of enterprises returning to operation was 39,130, an increase of 3.9% over the same period in 2023. Deeply reduced interest rates, flexible lending policies Optimistic signals about the market, along with opportunities to support capital support policies of the Government and the State Bank have helped businesses be more confident in investing and borrowing capital so as not to miss any opportunities to recover and grow. Especially, in the context that lending interest rates of commercial banks are considered the most attractive ever. Regarding capital support for business development and helping businesses easily access capital with preferential interest rates, LPBank is one of the pioneering banks to implement many credit programs with flexible loan policies and attractive interest rates. LPBank also creates many favorable conditions for businesses to disburse quickly, with simple procedures, optimizing costs. Currently, LPBank is implementing the program "Long-term commitment - Deep interest rate reduction" with a total program limit of up to 4,000 billion VND, helping businesses access good financial resources and maximize business profits. Accordingly, lending interest rates are flexibly applied to each customer segment, specifically: The segment of medium-sized and above corporate customers (KHDN) is only from 6.5%/year, the segment of small and medium-sized enterprises is only from 6.8%/year. In particular, lending interest rates are fixed throughout the loan period, with a loan term of up to 12 months.
From now until September 30, 2024, LPBank will implement the program "Long-term commitment - Deep interest rate reduction" with a total program limit of up to 4,000 billion VND, loan interest rate from only 6.5%/year.
The credit packages offered by LPBank are assessed to closely follow actual needs, creating conditions for businesses to easily access loans. This continues to demonstrate LPBank's support for businesses to overcome all difficulties with the most competitive products and services on the market. In addition, LPBank also applies many forms of lending, meeting the diverse scale and business fields of businesses. According to LPBank, the breakthrough programs and policies in lending support activities for businesses are in response to the policies of the Government and the State Bank on supporting businesses to access capital and credit growth, towards a stable economic growth. This activity not only enhances LPBank's brand image but also helps maintain customers' trust in the banking system in general and commercial banks in particular. Program “Long-term commitment - Deep interest rate reduction” is implemented by LPBank from now until September 30, 2024. Corporate customers who want to be consulted about the policy can contact LPBank Branches/Transaction Offices nationwide or call the hotline 1800 57 77 58 or access the information at: https://lpbank.com.vn/khuyen-mai/giam-sau-lai-suat-lpbank-thuc-day-doanh-nghiep-phat-trien-ben-vung/ Business information: Lien Viet Post Joint Stock Commercial Bank (LPBank)
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