{"id":4292,"date":"2026-04-29T10:11:06","date_gmt":"2026-04-29T03:11:06","guid":{"rendered":"https:\/\/bachalangnghe.com\/?p=4292"},"modified":"2026-04-29T10:11:07","modified_gmt":"2026-04-29T03:11:07","slug":"ngay-20-4-2026-ngan-hang-chinh-sach-xa-hoi-ban-hanh-van-ban-so-2026-hd-nhcs-ve-huong-dan-nghiep-vu-cho-vay-doi-voi-nguoi-sau-cai-nghien-ma-tuy-van-ban-huong-dan-chi-tiet-ve-chinh-sach-tin-dung-ho-tr","status":"publish","type":"post","link":"https:\/\/bachalangnghe.com\/?p=4292","title":{"rendered":"Ng\u00e0y 20\/4\/2026, Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i ban h\u00e0nh v\u0103n b\u1ea3n s\u1ed1 2026\/H\u0110-NHCS v\u1ec1 h\u01b0\u1edbng d\u1eabn nghi\u1ec7p v\u1ee5 cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi sau cai nghi\u1ec7n ma tu\u00fd. V\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi sau cai nghi\u1ec7n v\u00e0 c\u00e1c c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh c\u00f3 s\u1eed d\u1ee5ng nh\u00f3m lao \u0111\u1ed9ng n\u00e0y"},"content":{"rendered":"\n<ol class=\"wp-block-list\">\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng v\u00e0 m\u1ee5c \u0111\u00edch vay v\u1ed1n:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi sau cai nghi\u1ec7n ma t\u00fay (t\u1eeb \u0111\u1ee7 12 tu\u1ed5i tr\u1edf l\u00ean, \u0111\u00e3 ho\u00e0n th\u00e0nh cai nghi\u1ec7n t\u1ef1 nguy\u1ec7n\/b\u1eaft bu\u1ed9c ho\u1eb7c \u0111ang \u0111i\u1ec1u tr\u1ecb nghi\u1ec7n ch\u1ea5t d\u1ea1ng thu\u1ed1c phi\u1ec7n b\u1eb1ng thu\u1ed1c thay th\u1ebf) vay v\u1ed1n \u0111\u1ec3 \u0111\u00e0o t\u1ea1o ngh\u1ec1 (s\u01a1 c\u1ea5p, d\u01b0\u1edbi 3 th\u00e1ng) ho\u1eb7c s\u1ea3n xu\u1ea5t, kinh doanh, t\u1ea1o vi\u1ec7c l\u00e0m.<\/li>\n\n\n\n<li>C\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh (doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, h\u1ee3p t\u00e1c x\u00e3, t\u1ed5 h\u1ee3p t\u00e1c, h\u1ed9 kinh doanh) c\u00f3 s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0 ng\u01b0\u1eddi sau cai nghi\u1ec7n vay v\u1ed1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t, kinh doanh.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0110i\u1ec1u ki\u1ec7n vay v\u1ed1n:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ed1i v\u1edbi c\u00e1 nh\u00e2n: Ph\u1ea3i c\u00f3 t\u00ean trong danh s\u00e1ch qu\u1ea3n l\u00fd sau cai nghi\u1ec7n (kh\u00f4ng qu\u00e1 10 n\u0103m t\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m vay), ch\u1ea5p h\u00e0nh t\u1ed1t ph\u00e1p lu\u1eadt, \u0111\u01b0\u1ee3c UBND c\u1ea5p x\u00e3 x\u00e1c nh\u1eadn v\u00e0 c\u00f3 nhu c\u1ea7u vay v\u1ed1n th\u1ef1c t\u1ebf.<\/li>\n\n\n\n<li>\u0110\u1ed1i v\u1edbi c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh: Ph\u1ea3i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp h\u1ee3p ph\u00e1p, c\u00f3 ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n c\u1ee5 th\u1ec3 v\u00e0 s\u1eed d\u1ee5ng t\u1ed1i thi\u1ec3u 10% t\u1ed5ng s\u1ed1 lao \u0111\u1ed9ng l\u00e0 ng\u01b0\u1eddi sau cai nghi\u1ec7n.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>M\u1ee9c v\u1ed1n, l\u00e3i su\u1ea5t v\u00e0 th\u1eddi h\u1ea1n cho vay:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u1ee9c v\u1ed1n: \u0110\u00e0o t\u1ea1o ngh\u1ec1 t\u1ed1i \u0111a 4 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng\/ng\u01b0\u1eddi. S\u1ea3n xu\u1ea5t kinh doanh \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n t\u1ed1i \u0111a 200 tri\u1ec7u \u0111\u1ed3ng; \u0111\u1ed1i v\u1edbi c\u01a1 s\u1edf s\u1ea3n xu\u1ea5t kinh doanh t\u1ed1i \u0111a 2 t\u1ef7 \u0111\u1ed3ng\/c\u01a1 s\u1edf (nh\u01b0ng kh\u00f4ng qu\u00e1 200 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ea1i c\u01a1 s\u1edf s\u1ea3n su\u1ea5t kinh donh).<\/li>\n\n\n\n<li>L\u00e3i su\u1ea5t cho vay: B\u1eb1ng l\u00e3i su\u1ea5t cho vay h\u1ed9 ngh\u00e8o theo t\u1eebng th\u1eddi k\u1ef3 (l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i 6,24%\/n\u0103m); l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 130% l\u00e3i su\u1ea5t cho vay.<\/li>\n\n\n\n<li>Th\u1eddi h\u1ea1n cho vay: V\u1ed1n h\u1ecdc ngh\u1ec1 t\u00ednh theo kh\u00f3a h\u1ecdc c\u1ed9ng v\u1edbi th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 (t\u1ed1i \u0111a b\u1eb1ng 2 l\u1ea7n th\u1eddi h\u1ea1n ph\u00e1t ti\u1ec1n vay). V\u1ed1n s\u1ea3n xu\u1ea5t kinh doanh t\u1ed1i \u0111a l\u00e0 120 th\u00e1ng.<\/li>\n<\/ul>\n\n\n\n<p>Ngu\u1ed3n: Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613-724x1024.jpg\" alt=\"\" class=\"wp-image-4293\" style=\"width:956px;height:auto\" srcset=\"https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613-724x1024.jpg 724w, https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613-212x300.jpg 212w, https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613-768x1086.jpg 768w, https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613-1086x1536.jpg 1086w, https:\/\/bachalangnghe.com\/wp-content\/uploads\/2026\/04\/z7758296227506_53b62d8b0b051556f3003d9be215b613.jpg 1240w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Ngu\u1ed3n: Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i<\/p>\n","protected":false},"author":1,"featured_media":4293,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-su-kien"],"_links":{"self":[{"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/posts\/4292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4292"}],"version-history":[{"count":1,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/posts\/4292\/revisions"}],"predecessor-version":[{"id":4294,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/posts\/4292\/revisions\/4294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=\/wp\/v2\/media\/4293"}],"wp:attachment":[{"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bachalangnghe.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}