NGAN H,i.NG NHA NT,dC    cQNG HoA xA HQr csil ncsin vrpr NAr\.r

vrpT NAM

DQc lip - Tg'do - H4nh phric

so:A2 nozanT-NHNN

Hd N|i, nCdy

thdng

ndm 2026

rl    !

THONG TU

sr/a o61 n6 suNG Mer s6 oriu c0a rEONG TrI s 6 xnozsrrt-NHNN

DF\IH vE cHo vAy DAc nrpr o6r vor 16 cnlc rir.r DtrNG

Qr.ir

Cdn c* LuQt Cdc tii ch*c tin fimg sd 32/2024/QH15 duo. c sia diii, bii sung

b6i Luqt sii 4i/2024/QHl5 vd Ludt s6 96/2025/QHl5;

Cdn c* LuQt Bdo hidm tiin giri tii t t ttzozstQnts;

Cdn ctl Nghi dinh sii 26/20251ND-CP quy dinh ch*c ndng, nhiQm    quyin

ry,

hanvd co cdu t6 chilrc cia NgSn hdng Nhd nudc Vi€t Nam;

Theo di nghi cia ht trudng Yu Chinh sdch tiin t€;

Th1ng    hdng Nha ntdc ViQt Nam ban hdnh Thdng ty s*a dr5i, lii

!6c.NgAn

sung mst sii atiu cfia Th6ng tu s,i ss/z7zstTT-NHNN quy dinh vi cho vay dqc

biet ddi voi t6 chilrc tin dyng.

Didu 1. Sria d6i, b6 sung Dilu I

"Di6u l. Phgm vi tli6u chinh

Th6ng tu ndy quy dinh vO viQc cho vay d{c biQt cria NgAn hang Nhir nudc

Viet Nam (sau d6y ggi li NgAn hang Nhd nu6c), t6 chric b6o hi6m ti6n gui, t6

chric tin dgng kh6c d6i voi t6 chric tin dpng; viQc cho vay d[c biQt cta Ngan

, .t. ,, , , , , ,.:. ..1

nang Nna nuoc oo1 vol to ^ cnuc bao nlem tlen gul.".

Di6u 2. Sfra tl6i, b6 sung Didu 2

1. O5i tuqng 6p dgng

"Di6u

1. T6 chric tin dgng dugc thd,nh 16p vd hoat dQng theo quy dinh cria Luft

C6c t6 chric tin dgng.

. . , , ,.t

^

1. -l TO chuc b6o hi€m ti6n grii.
2. T6 chtc, c6 nh6n kh6c c6 li6n quan dtin viQc cho vay dac biQt cira NgAn

hang Nhi nu6c, cria t6 chric biio hi,im tidn gti, cria t6 chric tin dqng klhric d6i voi

t6 chric tin dung; viQc cho vay d{c biQt cria NgAn hang Nhd nu6c dtii v6i t6 chric

b6o hi0m ti6n gui.".

2

Ei6u 3. Sfra d6i, b6 sung mQt s6 khorin cta Di6u 3

t. Sria d6i, b6 sung khoan I nhu sau:

"). BAn cho vqt d\c biQt ld Ng6n hangNhn nu6c, t6 chric b6o hiiim ti6n

gui, t6 chric tin dpng kh6c cho vay d{c biet d6i voi t6 chric tin dqng; Ng6n hdng

Nhd nudc cho vay dec biQt a6i voi t6 chrtc bio hi6m tiAn gui.".

1. Sta <I6i, b6 sung khoan 3 nhu sau:

*3..BAn

vay dfic.biQt ld t6 chuc tin dgng vay d4c biQt tai Ngan hd"1g Nhd

nu6c, t6 chric b6o hi6m tiAn gui, t6 chric tin dUng ktr6c; t6 chric b6o hiiSm tiAn

grii vay dic biet t?i Ng6n hang Nhi nu6c.".

1. Sta d6i, b6 sung k*roan 14 nhu sau:

"14.	dinh cho vay d\c bi€t cila Ngdn hdng Nhi rutdc ld	dinh
Qttyiit	QuyiSt

cta Thiing d5c Ngan hang.Nhd ny6c, Girim <t6c Ng6n hang Nhd nu6c Khu v.uc

v€ viQc cho vay dac biQt di5i voi t6 chric tin dgng ffong trudng hgp vi€c cho vay

dac biet tnuQc it A- quyAn quyiit tlinh cua NgAn [arg iha n,ri. noar    dinh

QuyiSt

cria Thi5ng d6c Ngin hang Nhd nu6c d€ thUc hi€n cho vay <lac biQt theo Quyiit

dlnh cta Thri tuong Chinh pht trong trudrng hqp l*roan cho vay d{c bi_6t dE du-o. c

Thti tuong Chffi phi quy6t ttinh theo quy dinh t4i khoan 4 Di6u 193 Lu{t C6c

t6 chric tin dsng s6lZtZoz+tqul5 ho{c    Ainn cria.Th53g <t5c Ngan hang

Quy6t

Nhd nu6c vd viQc cho vay <tac bi€t A5i voi t6 chrlc b6o hi6m tidn gui.".

1. 86 sung cum tu'16 chric b6o hi6m tiAn grii," vdo tru6c cym tu "t6 chric

tin dgng kh6c" t4i khoan 15.

Ei6u 4. Sfta d6i, b6 sung mQt s6 tli6m, khoin cia Ei6u 4

1 86 sung <li6m d khoan I nhu sau:

"d) Cho vay d{c biet lei sltdt}%ofttrm, kh6ng c6 tai san bio aam AOi voi tO

chirc b6o hi6m tiAn gui trong truong hqp quy dinh tai khoan I DiAu 38 Luflt 86o

hi6m ti6n gui s5 t t 112025/QH15 (sau dAy ggi ld Lu{t sO t t tlZozSlqfrtSl.".

NG Ni

2. 86 sung khoAn la vio sau khoin I nhu	PF
sau:	!,

iTH

"1a. T6 chtc bAo hi6m ti6n gui cho vay df,c biQt d6i voi t6 chric tin dqng tu

quy dy phdng nghiQp    trong c5c trudng hsp quy dinh t41 khoan I Ei6u 35

w

LuQt s6 | 11 12025 /QH15.".

Di6u 5. Srta tl6i, b6 sung mQt s6 khoin cfra Di6u 5

l. B6 sung kho6n 3a viro sau khodur 3 nhu sau:

"3a. E5i vsi khoan cho vay ttac bi6t quy dinh tai tliiSm d khoan I Di6u 4

Th6ng tu niry, viQc cho vay dpc biQt thyc hiQn theo quy dirrh t?i Chuong IIIa

Th6ng tu ndy.".

1. 86 sung cym tu "khoin 1a," vdo tru6c cgm tu "khoAn 2" t4i kho6n 4.
2. 85 sung khoan 4a vdo sau kho{,n 4 nhu sau:

"4a.    tin dung nhan dan kr6ng dugc cho vay ilqc biQt a6l voi qu! tin

QuI

dgng nh6n d6n kh6c.".

3

1. 86 sung kho6n 9 nhu sau:

"9. E6i voi kho6n cho vay d{c bi€t quy dinht4i khoan la Di6u 4 Th6ng tu

ndy, sau khi phuong an ph6 san b6n vay dpc bipt duo. c ph6 duyQt, s6 ti6n t6 chric

b6o hiiSm ti6n gui d6 cho vay dac biQt dugc xri lj theo quy dfnh tai kfioan 2 EiAu

37 Ludt s6 1l l/2025lQH15.".

Di6u 6. Srla d6i, b6 sung khoin I Di6u 6

"1. Th5ng d6c Ngan hang Nhd nu6c quy6t dinh viQc cho vay dic biQt cria

NgAn hang Nhd nudc Ai5i vfi t6 chuc tin dqng, t6 chric bdo hi6m ti6n gui thuQc

truqng hW guy dfnh t4i di6m a, di,5m b, di6m c, di6m it khoan 1 Eidu 4 Th6ng

tu ndy, tni t6 chfc tin dgng ld qu! tin dgrng nh6n d6n.".

Ei6u 7. B6 sung Chuang IIIa vio sau Chuong III

IIIa

"Chuong

NGANUANC NIIA NTI6C CHO vAY DAC BIET

oOr vdr rO cu(Ic sAo Hrirvr rrnN ctn'

Didu 29a. Mgc tlich srt dgng tidn vay tlic biQt, sii ti6n, thli h4n, l6i su6t

cho vay tlic biQt

l. Tri chric b6o hi6m ti6n gui chi dugc sir dgng ti€n vay <tac bi€t d6 chi tri

tiAn bio hi'6m.

1. 56 ti6n cho vay tlflc biQt do Ng6n hang Nhn nu6c quy6t dinh theo de nghi

cria t6 chric b6o hi,5m ti6n gui vi kh6ng vugt qu6 sti ti6n trong qu! d1r phdng

nghiQp vs kh6ng dri d6 he tiAn b6o hitim theo quy ttinh tai khoan I Ei6u 38 LuQt

so tiUzozslquts.

Thoi h4n cho vay il4c biet, gia han thoi hpn cho yay dpc biQt theo ttA nghi

J.

cria t6 chric b6o hi6m ti6n gui pht hgp vsi dU ki6n cria td chirc b6o hi6m ti6n grii

vO c6c ngu6n tri ng vay dflc biQt theo quy dinh tai khoan 2 Ei6u 38 Lu6t sii

1tU2025lQHts.

1. L6i sudt cho vay dac biQt:

a) Ldi suSt AOi voi ng gi5c cho vay d{c bi6t, bao gdim ng g6c tong han, ng

gtic dugc gia hpn ttroi han vi ng g5c qu6 hqn ld}o/olndm;

b) Kh6ng 6p dung 16i su6t aOi voi ng 15i chQm uA.

Didu 29b. Trinh tqr cho vay tl{c biQt

1. Khi c6 nhu cAu vay d{c biQt, t6 chtc b6o hi6m tidn gtri gui 02 b$ h6 so

dA nghi cho vay tlec biQt d6n Ngen hang Nhd nudc (Vu Chinh s6ch ti6n tQ).

H6 so it6 nghf g6m:

a) GiSy ttA nghi vay tl[c bi-6t" trong d6 n6u 16: sti tiAn, thoi han dA nghi.vay

d6c bi6J, muc dich sri dpng tiAn vay d4c biQt;    do de nghi vay tt4c bi€t; s5 tai

$

khoan bnng ddng ViQt Nam md t4i S& Giao    - Ng6n hang Nhd nu6c; cam k6t

dch

sir dgng ti6n vay dring mgc dich vi tuan tht quy dinh cria ph6p luft v6 cho vay

dac biQt;

4

b) 86o c6o cg th6 cdc n6i dung: t6 chric b6o hiiim ti6n grii thuQc truong hqrp

tlugc vay ddc bi€t NgAn hang Nhd nu6p theo. quy. dfnh t4i khoan 1 DiAu 3 8 Lu6t

s6 111/70251QH15; gi6i trinh cq th6 v6 s6 ti6n d6 nghi vay dac bigt kh6ng vugt

qu6 s6 ti6n trong quy dg phdng nghiQp vU kh6ng <hi d6 trA ti6n b6o hi€m, thcri

hqn vay d{c bi€t; l0 ftinh tri ng vay <tac biQt vd ngudn du kii5n trA ng vay d{c

biet Ngan hang Nhn nudc (trong d5 n6u rO c6c ngudn ti6n quy dfnh tpi khoan 2

DiAu 38 LuQt s5 tll/20251QH15);

Nghi quyCt cria HQi d6ng quan tri t6 chrlc b6o hi6m tiAn gui th6ng qua

:l

(1e vlec    nghi vay d?c biet Ngen hang Nhd nu6c.

2.Trorgthdi han $i da20 ngdy lAm vi6c ki5 fi ngdy nh4n dugc diy dir ho

so dA nghi cria t6 chric b6o hi6m tiAn gui, Th6ng d6c Ngan. hang NhA nu6c xem

x6t, quy6t dinh viQc cho vay dec biQt AOi voi t6 chric bio hiiim tiAn grii.

Di6u 29c. Gia hpn thli h4n cho vay tlic biQt

1. Khi c6 nhu cAu gia h4n thoi han vay d4c biQt, tong thdi h4n ti5i thi6u +O

ngdl lim vi6c tru6c ngdy dtin h4n tr6 ng, t6 chric b6o hi6m tiAn grii gti 02 b6 h6

so d6 nghi gia hqn thoi han cho vay <lac biQt d6n NgSn hang Nhi nu6c.

H6 so tl6 nghf g6m;

a) Gi6y d6 nghi gia hsn thoi han vay d[c bigt, trong d6 ndu 16: t6n t6 chric

bAo hi6m ti6n grii; ly do, si5 ti6n, thoi han tt6 nghi gia h4n; cam k6t tuan tht quy

dfnh cria ph6p 1u0t vA vigc cho vay ddc bi-6t;

b) B6o c6o cs th6 c6c nQi durg: Gi6i trinh cp thiS vA s5 ti6n, thryi han dA

nghi gia han; ly do t6 chric b6o hi6m ti€n gui chua tri du-q c nq vay dpc biQt

(trong tI6 n6u 16 c6c biQn ph6p dd thgc hiQn d6 tr6 nq vay d{c bieq tinh hinh thgc

hiQn 10 trinh tri ng vay d4c biQt, ngudn trA ng vay df,c bi€t di b6o c6o Ngdn hang

Nhd nu6c tai H6 so dA nghi cho vay dflc biet); c6c biQn ph6p du kitin thuc hiQn

d6 tri nq vay df,c biQt, lO trinh tre ng vay ttac biQt vi ngudn dU ki6n tri ng vay

tl6c biQt (fong d6 n6u 16 c6c ngu6n ti6n quy dinh tai khoan 2 Didu 38 Luflt s6

1tr/2025tQHr5);

c) NChi q,ryiSt c,ia H6i ddng quan tri t6 chr?c b6o hii5m tiAn gui th6ng qua d6

nghi gia hpn thoi hqn cho vay d4c biQt.

2.Trongthoi h9n t6i daz} ngiy lAm viQc k6 tu ngdy nhfln dugc dAy dt h6

so dd nghi cria t6 chric bio hi,5m titin gui, Th6ng d6c Ngpn hang Nhi nu6c xem

x6t, quy6t dinh vi€c gia h4n thsi han cho vay tlec bi€t a6i vOi t6 chuc b6o hi6m

..1

tlen gul.

Di6u 29d. Kf hSp tldng cho vay d{c biQt, gini ngAn khoin vay tlic biQt

1. TrCn co sd    dinh cho vay d{c biQt quy dl+h ta, khoan Di6u 29b

Quyi5t

J

Th6ng tu niy, NgAn hang Nhd nu6c (S& Giao dich) vd t6 chtc b6o hi6m ti6n gui

ky hSp d6ng cho vay d{c bi-€t voi c6c nQi dung co ban theo Phu luc MI ban

htuh kdm theo Th6ng tu ndy.

1. GiAi ngdn cho vay tlac biQt:

5

a) Khi c6 nhu cAu dugc gi6i ng6n v5n vay d{c biQt, t6 chric b6o hiiSm ti6n

-i ^ gui gui vin bin dE nghi giAi ng6n v6n ^ vay dac biQt d6n NgAn hAng NhA nudc

(Sd Giao dich); trong d6 n6u r5 sii ti€n, thoi di6m, lf do de nghf gi6i ng6n;

b) Tr0n co sd hgrp d6ng cho vay d.4c biet de ki, trong thdi h4n 02 ngdy ldm

viQc k€ tu ngiy nhdn dugc vdn ban d6 nghi giii ngdn v6n vay d{c biQt, NgAn

hang Nhd nudc (S& Giao dich) ph€ duyQt, giii ng6n.v6n vay tl4c biQt theo siS ti€n

tai vin ban tIA nehi gi6i ng6n v6n vay tl4c biQt cta t6 chric bAo hi,5m ti6n gui.

Di6u 29d. Tri ng vay tl{c biQt

l Khi khoan vay d{c biQt diin h4n, t6 chric b6o hi6m tidn gui phai tra h6t

ng cho NgAn hang Nhd nu6c.

1. T6 chrlc b6o hi,5m tiAn grii c6 th6 tri ng vay d{c biQt tru6c h4n; t6 chric

b6o hi6m ti0n gui kh6ng phii E6 phi tr6 ng tru6c h4n.

1. Truorg hgrp t6 chric b6o hiiim tiAn gui c6 tiAn thu dugc tu c6c ngu6n quy

dinh t?i khoan 2 Ei6u 38 Lu{t s6 1l1l2025lQHl5, trong thoi han 05 ngiy ldm

viQc <l6u thang ti5p theo (thang    chirc bAo.hi6m tiAn gui phai sri dpng s6

I+l)116

tiAn thu tlugc tong th5ng tru6c liCn k€ (thr{ne T) di5 tra nq vay d{c biet Ngan hang

Nhd nu6c sau khi trir di s5 ti6n b6o hi6m phni tri cho nguoi dugc bio hi6m ti6n

gui theo qyy dinh cria Luft s6]tt2ozstqHl5 (n6u c6 ph6t sinh) vd s5 ti6n thu

phi b6o hi6m dugc sri dpng AC Utr a6p c6c khotn chi theo quy dinh tei l,hoan 5

DiAu 30 Luat sis tlt/2o25lQl],l5.

1. Truong hqrp bi ph6t hiQn kh6ng tri ng vay dac biQt theo quy dinh tai

khoan 3 Di6u ndy, trong thoi hpn 07 ngdy lim viQc k€ tu neAy Ngan hang Nhd

nu6c c6 van ban'ti6ng-b6o vi pham thJo"tfi6m c khotur Z, i$ncihoan 3"Di6u

36b Thdng tu ndry, t6 chric bio hi6m ti6n    phai tra ng sO tiAn vay dac biQt phni

Cur

tri theo quy <linh nhung chua dugc tri tlung han.

1. Trudng hgp qua c6ng t6c thanh tra, gi6rn s6t ph6t hiQn t6 chfc b6o hi6m

. l    ,a .,:.

ti6n gui sri dgng sd ti€n vay d{c biQt kh6ng thing mgc dich, trong thoi han 07

ngdy ldm viQc k6 tu ng4y Ngdn hang Nhir nu6c c6 vdn ban thdng b6o vi ph4m

theo dii5m c khodn 2, di6m c khodn 3 Di6u 36b Th6ng tu niy, t6 chric bio hii5m

tiAn gui ph6i tri ng si5 ti6n vay d{c biet bi ph6t hiQn sri dsng kh6ng dring mpc

dich.

1. TruAng hqp t6 chtc b6o hi6m tiAn gui kh6ng tri ng theo quy dinh tai

khoan 1 Di6u ndy, Ngan hang Nhi nu6c sE 6p dwrg c6c biQn ph6p xi lf sau:

a) Chuy,Sn du ng khol,n vay tl{c biQt sang theo d6i qu6 hqn theo quy dinh

cta Ngdn hang    nudc vd phucng ph6p tinh vir hqch to6n thu, tri l6i trong

\hd

hoat dQne nhin ti6n    vd ctio vay giiia NgAn hang Nhir nu6c vsi t6 chtc tin

eui

:e

dung vd c6c t6 chric kh6c;

b)Jrich tiAn tu tai kho6n cria t6 chric b6o hi6m tiAn gui tai Ngan hang Nhd

nudc d6 thu h6i ng vay dac biQt qu6 h4n hong thoi h4n 05 ngdy lim viQc k6 tu

ngdy NgAn hang Nhn nu6c c6 v6n bin th6ng b6o.cho t5 chric bio hi,5m tiAn gui

v6 viQc trich ti6n fi Ai khoAn cta t6 chric bio hi6m ti6n grii tai Ngan hang Nhd

6

nu6c d6 thu ng; truong hap chua thu hdi dt s6 tidn vay ddc biQt ph6i tr6, Ngdn

hang Nhd nuOC t6p tuc tfrio d6i, trich ti6n tir tdi khoim cria t6 ctlic b6o hitm

tiAn gui cho diin khi thu hOi tr6t nq.

1. Trucrng hqp t6 chirc b6o hirim ti€n grii kh6ng tr6 no theo quy dinh tai

khoan 4 vd khoan 5 Didu ndy, Ngan hang Nhd nu6c thgc hiQn trich tian fir tai

qia khoAn    t6 chric b6o hi6m tiAn grii tar Ngdn hang Nhd nu6c dti thu hdi ng vay

dic biQt vrio ngiy ldm vi€c ti5p theo.ngdy h6t thoi hen tr6 nq vay rlqc biQt theo

quy dinh khoan 4 vd khoan 5 DiAu ndy; truong hgrp chua thu trOi ari si5 ti6n

Ai

vay dgc biQt phAi tr6, NgAn hang Nhn nu6c titip tgc.theo d6i, trich ti6n tu tii

khoan cua t6 chric bdo hi6m ti6n grii cho diin khi thu h6i h6t ng.".

Di6u 8. Sfra d6i, b6 sung t6n Chuang IV

"Chuang fV

vryc cHo vAy Dac BIET c0A T0 cErlc sAo Hrr.M rrtx cril,

T0 crrlcrixnyxc KHAc"

Di6u 9. Sfra d6i, b6 sung mQt s6 khoin cria Didu 30

l. Sria di5i, b6 sung khoan 1 nhu sau:

"1. Khi c6 nhu cAu vay dpc biQt quy dinh t4i di6m c khoan I Di6u 35 Lu$t

s6 ttttzOzStqHls, diiSm a khoin 2, di}m a khodn 3 Di6u 4 Th6ng tu ndy, t6

chric tin dung gui h6 so <tA ngh!di5n t6 chtc b.ao hi.em ti6n gui, t6 chric tin dgng

kh6c theo quy dinh nQi b0 cta t6 chric b6o hi6m ti6n gui, t6 chric tin dpng kh6c

vd viQc cho vay dic biQt a5i voi t6 chric tin dgng.".

1. 86 sung cpm tu'16 chric bAo hi6m tiAn gui," vio trudc cUm tu'16 chric

tin dgng kh6c" t4i khoan 2.

1. Sira d6i, b6 sung khoan 3 nhu sau:

"3. T6 chrtc b6o hiiSm tiAn gui, t6 chric tin dung kh6c xem x6t, quyiSt dffi

aiSi voi tIC nehi vay d{c biQt cria t6 chric tin dqng theo quy dinh nQi b0 vE cho

vay tQc biQt cua minh.'.

1. Sta d6i, b6 sung c6u mt khoan 4 nhu sau:

'4. Khi c6 nh3 cAu gia hgn thoi h4n cria ktroirn vay dic bi€t quy <Iinh tai

.

di6m c khoan 1 Di6u 35 Lu{t s6 llll2025lQHl5, di6m a khoin 2, di€m a khoi.n

3 DiAu 4 Th6ng tu niry:".

Di6u 10. Sfra d6i, b6 sung Di6u 31

"Di6u 31. Trinh ty cho vay ilic biQt, gia hgn thoi hgn cho vay tlic biQt

a6 tlgc hiQn phuong rin phgc l6i, purong rin chuy6n giao bit buQc di tlugc

ph6 duyQt

1. Khi c6 nhu ciu vay d{c biQt, gia hen thoi h4n vay dpc biQt quy <linh tai

diAm a, tfi6m b ktroan I Di6u 35 LuQt s6 lLl/2O2stQHl5, di6m b khoan 2, dilim

b, di6m c kho6g 3 Didu 4 Th6ng tu ndy, t6 chric tin dung gui h6 so <t6 nghi d6n

t6 chric bio hi6m ti6n grii, t6 chric tin dsng kh6c theo quy dinh nQi b0 cta t6

7

chric b6o hii5m ti6n giii, t6 chric tin dgng kh6c vA viQc cho vay d[c biet d6i vdi t6

chuc tin dgng.

1. T6 chric bio hi6m ti6n gui, tO chric tin dgng kh6c quy6t dinh cho vay d4c

biQt, gia han thoi hqn cho vay d{c biQt theo quy ttinh nQi b0 v6 viQc cho vay d[c

biet d5i voi t6 chric tin dung vi pht hqp v6i phuong rin phpc h6i, phucrng rin

chuytin giao bit buQc b6n vay dac biQt dd <Iugc ph6 duyQt.".

Di6u 11. B6 sung t6n Mgc I vio sau ten Chuong V

"Muc I

rnAcu N-'rTNr cin cAc itx rnoxc rRr/dNG Hqp

CHo vAy Dic BrTT o6r vdr ro cHtIC riN ogNi"

Didu 12. Sria tl5i, b6 sung tli6m b khoin 7 Di6u 32

"b) B6n cho vay d{c biQt    voi truong hgrp t6 chric bAo hiiim tidn gui, t6

ldai

chric tin    ktr6c cho vay dgc biQt).".

{rng

Ei6u 13. Srla d6i, b6 sung Di6u 34

1. Sira d6i t6n Di6u 34 nhu sau:

"Di6u 34. Trrich nhiQm cia t6 chric bio hi6m ti6n giri, t6 chrri'c tin dgng

cho vay tlic biQf'.

1. 86 sung cgm tir "khoin 14" vio trudc qun tu "khoan 2" t4i khoin 3.

Ei6u 14. 86 sung khoin 6a vio sau khoin 6 Di6u 35

'6a. Cung c6p thdng tin cho b€n cho vay d{c biet la t6 chtc bio hii5m ti€n

gui, t6 chr?c tin dgrng kh6c v6 c6c v6n d6 ph6t sinh li6n quan d6n khoi.n cho vay

ttac biQt cria b6n cho vay dac biQt d6 vd ki6n nghi biQn ph6p xri (n6u c6).".

$

Ei6u 15. B6 sung Mgc 2 vio sau Di6u 36

rnAcg N@M cirA cAH;i oo*" rRrrdNG Egp

cHo vAy D4c ri4T DOr vor rO cn(Ic sAo ilt,rvr rdn crlr

Eidu 36a. Tr6ch nhiQm cria t6 chri'c bio hi6m ti6n gfri

l. Cung g6p day di, kip thoi, chinh x6c cho Ng6n hang Nhi nu6c c6c vin

ban, tai li-6u vC vi€c vay df,c biQt, gia han thoilran vav dic bi6t chiu trdch nhi6m

tru6c ph6p tuat vd tinh-ctrinfr *a.,"i,gp phrip vA nQi dung, ri5 ti6r.,i" c6c vin bi.n

d6 cung cAp; t.u chiu tr6ch nhi€m vA viQc t.uan thri quy dinh cta ph6p luat d6i voi

viQc chi frA ti6n b6o hi6m cho nguoi gui tidn.

1. Sri dung ti6n vay dqc biQt ding mgc dich, tri ng vay <l6c bi€t theo quy

dinh t4l Th6ng tu niy, hqp d6ng cho vay d{c biet de ki vd quy dinh ph6p lu{t c6

li€n quan.

1. Thyc hiQn ky hgp <tdng cho vay dac biQt, nhQn giAi ngdn tiAn vay d4c biQt

vir tr6 ng vay tl{c biQt theo quy ilinh tpi Th6ng tu ndy.

I

1. Thgc hiQn c6c tr6ch nhiQm kh6c quy dinh tai Th6ng tu niry, quy dinh cria

ph6p lu{t c6 li6n quan, hgp d6ng cho vay dac biQt de ky.

Didu 36b. Tnlch nhipm cria c6c tlon vi thuQc Ngin hing Nhir nufc

1. Vu Chinh s6ch ti6n tQ:

pAu m6i trinh Th6ng di5c NgAn hang Nhd nu6c xem xdt, quy6t dinh cho

vay d4c biQt, gia hqn thoi han cho vay d{c biQt theo quy ttlnh tai Th6ng tu ndy.

1. Cgc Quan ly, gi6ms6t t6 chric tin dgng:

a) Ph5i hgp voi Vu Chinh s6ch tiAn    thUc hiQn quy tflnh tai khoan I Di6u

€

ndy;

b) ci6m s6t ve xt lj theo thAm quydn t5i voi t6 chric bio hiiSm ti6n gui

hong vipc thuc hiQn c6c quy dinh t4i Th6ng tu ndy;

c) Trudng hsp nhan dugc th6ng b6o tu cq quan c6 thAm quyAn holc qua

c6ng trlc gi6m s6t ph6t hiQn t6 chric b6o hiiSm tidn gui sri dUng ti6n vay <tac biQt

kh6ng dung mqc dich hoflc kh6ng tri ng vay tt{c b,Ft theo quy dinh t?i khoan 3

Di6u 29d Th6ng tu ndy,,Cgc    ly., girim s6t t6 chr?c tin dgng.c6 v6n ban

Quan

th6ng b6o vi phqrn gui t6 chric bio hii5m ti6n gui, Sd Giao dlch, d6ng thoi gui

Vu Chinh s6ch ti6n tQ;

d) Thyc hiQn cdc fr6ch nhiQm ldrdc theo quy dinh t4r Th6ng tu ndy.

1. Thanh tra Ngan hang Nhd nu6c:

a) Phiii hqp voi Vu Chinh s6ch ti6n tQ thgc hipn quy dinh    Lhoan 1 Di6u

Ci

niy;

b) Thanh tra, xri vi ph4m theo thAm quy6n d5i vcri t6 chtic bAo hiiSm ti6n

I

gui nong vi6c thlrc hiQn c6c quy dinh tai Th6ng tu *y;

c) Tryong hgp qua c6ng trlc thanh tra ph6t hiQn t6 chric bio hi6m ti6n gui

sri dr,rng ti6n vay dac biQt kh6ng ttring mgc tlich ho[c kh6ng tri ng vay dec biQt

theo quy dinh t4r khoan 3 Di€u 29d Th6ng tu ndy, Thanh tra Ngen hang Nhd

nu6c c6 v6n ban th6ng b6o vi ph4m gui t6 chric b6o hii5m ti6n gui, Sd Giao dich,

d6ng thoi gui VU Chinh s6ch tiAn tQ, Cgc Quan lf, girim s6t ti5 chtc tin dgng;

d) Thgc hiQn c6c tr6ch nhiQm kh6c theo quy dinh tai Th6ng tu ndy.

1. Sd Giao dich:

a) Thgc hiQn ky hqp d6ng cho vay dac biQt theo Php lgc VII ban hanh kdm

theo Th6ng tu ndy, gi6i ngdn, thu ng cho vay dac biQt theo quy dinh t4i Th6ng tu

ndy, Quy6t dinh cho vay d{c biQt,    han thoi hgn cho vay tlac biQt

Quy6t ttinh gia

vh c6c quy tllnh phSp luft c6 li6n quan;

b) Thlrc hiQn quy dinh    khoan 6 vd khoan 7 DiAu 29d Th6ng tu niy;

Ci

c) Trong thoi hqn 07 ngdy lim viQc dAu ti6n cua thring tii5p theo thring c6 du

ng cho vay dac biQt ho{c c6 tiray tl6i vd khoan cho vay ilac biQt ai5i vOi t6 chric

bio hii5m tiAn gui, b,ao c6o Th6ng d5c Ngdn hang Nhir.nu6c,    thoi gui Cpc

,tl6ng

ly, gi6m s6t t6 chric tin dgng, Vu Chinh s6ch ti6n te s6 lieu cho vay d{c

Quan

9

biQt d6i vdi tO chirc bdo hi'5m tidn gui theo Phg lpc VIII ban hanh kdm theo

Th6ng tu niy.

1. VU Tdi chinh Kli toan:

-

Huong din h4ch,toan kti torln fien guan dtin viQc NgAn hang Nhir nu6c cho

vay d{c biet d6i voi t6 chtc b6o hiiim ti6n gui.

1. C6c dsn vi li6n quan thuQc Ng6n hdng Nhd nu6c:

Ph6i hqp xtr l! cdc v6n AA tien quan cli5n viQc cho vay d{c biQt, gia han thoi

h4n cho vay d{c biQt quy dinh t4i Th6ng tu ndy theo phdn c6ng cia Th5ng di5c

Ngdn hang NhA nu6c ho{c theo dd nghi cria dsn vi eau m6i AOi voi c5c nQi dung

thuQc chric ning, nhiQm vu.".

Di6u 16. Sfra d6i, b6 sung t0n, nQi dung phAn cin cri', phg lgc ban hinh

kim theo Th6ng tu s6 35/2025/TT-I\HI\N

l. 86 cfrm tu "d5i voi tti chic tin dgng" tei t6n gqi cua Th6ng tu.

1. 86 sung cgm tu "CIn cri Lu0t 86o hi6m tiAn gfi s6 ttttzoz5lQHl5;" vdro

sau cum tu "Cen cf Lu4t C6c t6 chric tin dung    dugc sria d6i, b6

"6lalOZCtQul5

sung boi LuQt s6 +ltzoz+tqul5 vi Lu{t s6 satzozslquts;' .

1. Bi5 sung cum tlr '16 chtic b6o hiilm tidn gui," vio tru6c cum    '16 chtic

F

tin dgng cho vay d{c biQt" tai tti6m 1, di6m 2 Phan Hu6ng a6n    miu bi6u Phu

hp

luc VI ban hanh kdm theo Th6ng tu si5 35/2025/TI-NHNN.

1. 86 sung Phg    VII, Phu luc VItr ban hanh kdm theo Th6ng tu ndy.

\rc

Di6u 17. HiQu lgc thi hhnh

Th6ng tu ndy c6 hiQu tUc thi hanh k6 tu ngny

l*rine

ndm2026.

0L    5    :rlE-

:E

Didu 18. Tr6ch nhiQm t6 chrric thqc hiQn

NH

Tht truong c6c don.vl thuQc Ngan haqe NhA nudc, Ban ki,5m so6t dflc biQt

.

t6 chric tin dgng dugc kirSm so6t d{c biet, t6 chric bio hi,im tiAn gui, t6 chric tin

dgng chiu f6ch nhiQm t6 chric thgc hiQn Th6ng tu niry./. d

'dt

Noi nhpn:

a7 TEoNqDOC

-MuDidu 18;

NG DOC

• Ban LIah tleo NHNN;
• Vnn phdng Chlnb pht;

- B0 Tu ph6p (il6 ki€m L

tra); a

- C6ng b6o; a't

• C6ng th6ng tin tlign tt Chlnh pht;
• C6ng th6ng tin ttiQn trl NHNN;

.r,

• Luu: VP, PC, CSTT.    .t\

Pham Thanh HI

c.

t

(Ban hdnh kim theo Th6	2	stia diii, bd sung mQt sd diiu ct)n
irh1ng tu sd 35/202	vay ddc biet diii vdi tii chtic tin dqtng)

coNGHO    NGEIA VryT NAM

c	-T do- nh hric

EgP DoNG CHO vAY D+C B4T

Sti:......

CEn cri Th6ng tu s6 ZStzOzSfft-NHNN quy ttinh vA cho vay d+c biet d6i

voi t6 chric tin dgng dugc sria d6i, b6 sung boi Th6ng tu s602tzozofru-NHNN

ngity    n1rn2026 (sa.uttiy gei li Th6ng tu s6lstzozsfrt-NHNN);

)fthirne I

Cin cri    ttinh s6 ... cta Th6ng d5c Ng6n hang Nhi nudc ViQt Nam v€

Quyi5t

viQc cho vay tlf,c bi€t l6i su6t 0Yolrdm,kh6ng Gi sdur b6o dAm d5i voi ...;

H6m nay, ngey ... thang ... ndm ... tgi ..., chirng t6i g6m:

BGn cho vay tlic biQt    A): Ngfrn hing Nhi nrn5'c ViQt Nam (S& giao

@6n

dich)

Dia chi

DiQn tho4i:	Fax:
SO nieu tai khoan tiAn vay bdng tl6ng Vi-6t Nam	tar

TCn nguoi dai diQn: Chric v9:

Theo gi6y ty quydn sii cua.... (ntiu c6)

B6n vay tlic biQt (BGn B): TGn t6 chric b6o hi6m ti6n gfti

Dia chi

EiQn thopi    Fax:

55 hieu tai ktoin thanh torln beng tt6ng ViQt Nam: . . .. ....md t4i. . .

TOn nguoi tlai di-€n:    Chric    ................

W:

Theo gi6y ty quyAn s,5    cria .... (n6u c6)

Hai b6n th6ng ntr6t vigc BOn A cho vay dac biQt C6i voi B€n B theo c6c nQi

dung sau:

Didu 1. S5 tidn cho vay tQc biQt

• Bang s6

Bing cht

2

Di6u 2. Lii su6t cho vay tlic biQt

• L6i su6t cho vay dac bi-6t: \Yolndm.
• Kh6ng 6p dung l6i su6t qu6 hqn, l6i su6t aiii vOi nq l6i chAm trA cria kho6n

cho vay tl6c biQt.

Didu 3. Thli hgn cho vay tl{c biQt

• Thoi hAn cho vay d4c biQt: ...

Thoi han cho vay tinh ci ngdy nghi, ngiy 15 vd ngiy ti5t. truong hqp

ngdy tri ng trirng viro ngdy nghi, ngAy 15, ngdy T6t thi thoi h4n cho vay dic biQt

dugc k6o ddi tl6n ngiy ldm viQc titSp theo.

Didu 4. Mgc tlich sr? dgng tidn vay tlic biQt

Didu 5. ViQc tri nq khoin vay ilic biQt

Eidu 6. Cic cam k5t, th6a thufn

B6n B tuan tht vir chi.u ft6ch nhiQm thgc hiQn dfng c6c quy tlinh tai

Th6ng tu s6 tstzozsm-NHNN.

Trong truong hqp BCn B kh6ng tr6 ng vay dpc biQt theo quy dinh t4i

kho6rr 1, klroi,n 4, khoan 5 EiAu 29tt Th6ng tu sa ZSnOZSfT-NHNN, B6n A s€

thrrc hi€n c6c biQn ph6p theo quy dinh tai khoan 6, kho6.n 7 Di6u 29d Th6ng tu

sd 35/2025|T|-NHNN.

• C6c cam ki5t, th6a thuan k16c (nt5u c6): ...

Didu 7. HiQu lgc cta hqp tldng

Hgrp d6ng ndy du-o.c lQp thnnh ... ban c6 gi6 tri nhu nhau, m5i b6n gift....

ban vd c6 hi€u lUc k6 tu ngdy hj./.

BTNA	BTN B
ftn, ghi rd hq ftnvd d6ng ddu)	ftn, ghi rd hp tAn vd ddng ddu)

$!    6i

Ghi chi: Phu luc WI hrtng dAn aic nQi dung cc bdn tqi Hqp il6ng cho vay ilda biQt. k giao dich vd tii chttc

bdo hidn tiin gti xem xdt, bii sung nQi dung khtic	c6) phi hqp vti y4u cdu thyc ti, qty ttinh ptuip twft.
fudu	/

,fr

o

i

,    ,:    ;

-:.    ^ -.:

hinh kim theo Th6ng

s*a ddi, b6 sung mQt s6 diAu cia

@an

ru6ng ttt s6 35/202    ddc biet diii vdi tii ch*c tin dltng)

VL

,v    \{

TGn tlon vi b6o cdo.,.

55 vEn bin: ...

nAo cAo

s6 LrFU cHo vAy EAc BrET DOr vdr rO cHrrc sAo HION{ TrltN Grfi

Thdng ... ndm ...

Donvi: ding

s6 tiln

Chuy6n nq    36 au cu6i tueng

5() nleu

Giii ng6n Thu nq

rtuqc cbdp qui

hgn b{o cdo

vln btn

STT    thuln cho

cho vay

vay ilf c

S6    Trong

ilic biQt

so nen

Ngiy

Ngnv

s6 ti6n

Ngi'y

hgn

biet Qui

tidn htn

i

-i r ong so

..., nCdy ... thdng ... ndm

• . ,:.

^    Thi tnrong ilon vi

L?p Dreu Ki6m so6t

(Ki, 16 h9 t6n vi tl6ng d6u)

Chr

Iln6mg din lip bi6u:

r..l

1. Don v! rhgc hiQn bdo cdo: Sd Giao dich
2. Don vi nhfin bdo cdo:.Th6rg d5c Ngan hang Mn nu6c; Cgc    li, gi6m s6t t6

Quan

chric tin dgng, Vu Chinh s6ch tien tQ.

1. Thdi giail chfu sd li4u bdo clo.' Tt ngiy 01 d6n h6t ngdy cu6i cring cua \6ng beo cAo.

l

fr