Hàng triệu khách hàng bị ảnh hưởng do bão, lũ được giảm lãi suất cho vay | VTV24

Key Concepts

• Giảm lãi vay: Interest rate reduction.
• Khôi phục hạ tầng kỹ thuật: Restoration of technical infrastructure.
• Thiên tai khắc nghiệt: Severe natural disasters.
• Bão lũ: Storms and floods.
• Dư nợ: Outstanding debt.
• Gói tín dụng: Credit packages.
• Ngân hàng Chính sách xã hội: Social Policy Bank.
• Nhà ở phòng tránh bão lụt: Storm and flood-resistant housing.
• Tết Nguyên Đán: Lunar New Year.

Financial Support and Debt Relief for Disaster-Affected Populations

This summary details measures discussed at a government press conference regarding support for individuals and businesses impacted by storms and floods since July.

Impact of Storms and Floods

• Affected Customers: Approximately 250,000 borrowers have been affected by storms and subsequent floods.
• Outstanding Debt: The total outstanding debt for these affected customers amounts to nearly 60,000 billion VND.

Financial Support and Credit Programs

• Implemented Solutions: Various programs, credit packages, and financial solutions have been deployed to aid in the recovery of production and business activities.
• Interest Rate Reductions: Banks have implemented interest rate reductions ranging from 0.5% to 2% for a period of 3 to 6 months.
  • Current Status: As of the press conference, these reductions have been applied to nearly 24,000 customers, with an outstanding debt of approximately 14,000 billion VND.
• Recovery Credit Programs: Programs are being rolled out to provide loans for the recovery of production and business activities post-storm.
  • Scale: These programs are estimated to be around 70,000 billion VND.

Specific Support for Typhoon No. 13

• Affected Provinces: Typhoon No. 13 caused damage in four provinces.
• Social Policy Bank Initiatives: The Social Policy Bank is expediting procedures to submit a proposal to the Prime Minister for consideration.
  • Proposed Reduction: A 2% interest rate reduction for loans during the last three months of 2025.
  • Estimated Beneficiaries: Approximately 11 million customers affected by Typhoon No. 13 are expected to benefit.
  • Estimated Interest Savings: The total projected interest reduction is nearly 300 billion VND.

Financial Solutions for Urgent Recovery and Future Resilience

• Inter-Ministerial Coordination: The Ministry of Finance will collaborate closely with the Ministry of Agriculture, affected localities, and other relevant ministries and sectors.
  • Dual Focus: This collaboration aims to:
    1. Develop financial solutions for the immediate handling of consequences.
    2. Develop financial solutions for the restoration of infrastructure.
    3. Construct technical infrastructure with enhanced resilience against future natural disasters.

Infrastructure and Housing Solutions

• Increasing Complexity of Disasters: Storms and floods are occurring in most localities nationwide with significantly increased complexity and danger.
• Ministry of Construction's Recommendations:
  • New Housing Designs: There is a need for new housing designs that are suitable for storm and flood prevention in the current reality.
  • Urgent Reconstruction: Localities are urgently proceeding with the repair and reconstruction of houses for flood-affected residents.
    • Government Commitment: This effort is to ensure that all citizens have housing to celebrate the Lunar New Year, as committed by the government.

Conclusion

The government is actively implementing financial relief measures, including interest rate reductions and credit programs, to support individuals and businesses impacted by recent storms and floods. Furthermore, there is a strategic focus on long-term solutions, such as developing resilient infrastructure and innovative housing designs, to mitigate the effects of increasingly severe natural disasters. The urgency of providing housing for affected populations before the Lunar New Year is a key priority.