BỘ XÂY DỰNG CỘNG HÒA XÃ HỘI CHỦ NGHĨA VIỆT NAM Độc lập - Tự do - Hạnh phúc V/v hướng dẫn xác định đối tượng cho vay theo TT số 11/2013/TT-NHNN và TT số 07/2013/TT- BXD ngày 15/5/2013. Hà Nội, ngày 25 tháng 6 năm 2013 Kính gửi: !"#$% &'( )*)+!"#$% &'( ),& &'( )-'& &'( )"#$%./012,3+- 4567489!.:0;2<5;;! ;25;;=>+4.?!@!-!4A$BC!8D!E#.?#.B .B!4!A$BCF->+4.?'?>+4G2,"64<5H,I HJ*%'- +KLB-!$%MNI8OA$BC674898DE#.?.B6.@+M! $P9HOM!4!O%2+ I. Đối với doanh nghiệp: J*B Q- LH.)+CE:7F->+4.?'?.?2<*,"H,I H 8D+KCR8- LH.)+89#C&'.B+4%.(S289 #CE:7F->+4.?';25;;4T55H7489J 0Q- LH.)+#89#C2!U6CM+ 6C-VN+ K W 'M+!9.?F->+4.?'?>+4G2T,"4XY!#+4G.?2Z6ZZ6 Z<Y*;;4XXYH;H,I H!@72&G6I2#1.[4' #$% C-\262!U6L-.7'#M+ !+V+K W 'M+!9.?J J*@+M ,N89#.)+.BW N[>+4@ U8+4F->+4.?H # L+KR ,N!S0]W +K.)+HW N[>+4@R *:N.W2'!W4 ^ E4896$VB .B_W4 ^ E489F->+4.?H # L+K!@ E489PN!S0]E#KHC489.? &&N89#J ,NO.I!4!.%$]# I-# #2`4<5aM0-/ I +GQ.%9#89#CE:7689#C&'.B+4%.(S289#CE: 7U+'M-]$U.4J 5J;$P96HO- $9G -b>+cW d3/2&.# e#.@+MU+ $U6MfF-+)+LB!)!4!@7489.%M%$6[.?!(B 3 !#R8- LU$9G !$->+4.?'; 25;;=45H.%.BEFE^-!4!J II. Đối với người thuê, thuê mua, mua nhà ở (hộ gia đình, cá nhân): J;$VB +U6+U+6+CE:7a0-/]C+K W Q Q*B ,#076e6!UeCL&`2#+7#&>+*]66gb$K;( >+!#(eI$?E:76E:7@ R!Ue+7#.&!?29 LK RL9 LB!h$8R VL-.7+7#.&!?29 -LK 68- +7# )MG6B #E: .BLK !-'.7F->+4.?H # L+KRV.:.BdL-.7F-G.7>+4.?RV L-.798-6M8-#%J 0Q*@+M -!E^8+4.B6.@+M.B+U6+U+6+CE:7F->+4.?'?.?2 <*,"!C+K W F->+4.?'+4G.?Z<Y*;;.:.B9$Wb i6!P!K47.P6#MNB ./+U6+U+6+CE:7.:MjMG!H.)+89# 2+4<5.B-L.H.@+M.B!4$-NI8OA$BCJ ,N.He!%+!- &#!4F->+4.?!.# eM]S$]BF-.@+M!4 !HJ V+6+U6+U+CE:76C+K W N%8kS7CE:76C+K W .:--b2iP$-&L.%L2]0]-.]M-]!4!J Q;$P96HOV+U6+U+6+CE:7N+)+!4!6N.H.@+MU+'.%0 $U.4PLU!$-.B--!4A$BCF->+4.?';2 5;;l=H.%EFE^.B!4!JM4U+)+U#H OE#K!@.B6.@+MM#J;$VB 4U+)+M#e!@+K .% 0]-.]- &#$]BP9F->+4.?HJ J;+U6+C&'N8Im&< 6#0#8$+./ Q*B JQ,#076e6!UeCL&`2#+7#&>+*]66gb$K ;(>+!#(eI$?E:76E:7@ R!Ue+7#.&!?29 LK RL9 LB!h$8R JQVL-.7+7#.&!?29 -LK 68- +7# )MG6B # E:.BLK !-'.7F->+4.?H # L+KRV.:.BdL-.7F-G.7>+4.?R VL-.798-6M8-#%J 0Q*@+M ,NC+72Cn+HP6-bNC8I>+#K7J,O%L o,NCLS7+68IC0P>+H7.PW &T 238OVR o,NC$ULp68IC0P>+H7.PW &T 238OV!8I M+!U.WHC.NW &U++[8I.W%++78.B ^ ]'-6E489F- >+4.?Hq408W dJ *B.B!4! ]N7M[+V$r'd6 $9+7;$+&&N89#CJ *!$VB '$rP ]N.N0]-%E:7`S$CLUJ *:NB ./+U6+C&'F->+4.?H # L+K6MjMG2+4<5J ,N.He!%+!- &#!4F->+4.?!.# eM]S$]BF-.@+M!4 !HJ V+U6+C&'N%8kS7.:--b2iP$-&L.%L 2]0]-.]M-]!4!J Q;$P96HOE#K.H.@+M!4! *!#.BL,#076e6!UeCL&`2#+7#&>+ *]66gb$K;(>+!#(eI$?E:76E:7@ R!Ue+7#.& !?29 LK RL9LB!h$8P&>+&.B.#E#K!@& #!9$'!@CF-D+>+4.?'"OLO6;2<5;;! ]?+$# !@78+E#KHP6M4U+)+E#K!@.@+M+K R *!#.BLVL-.7+7#.&!?29 -LK 68- +7# )MG6B #E:.BLK !-'.7F->+4.?H # L+KRV.:.BdL-.7F- G.7>+4.?RVL-.798-6M8-#%Pq408E:6 V&.BN7M[+ V$r-b.SMj'$rE#K!@7M[+!9$'CF-D+>+4.?'"OLO6; 2<5;;6M4U+)+ ]NE#K!@.@+M+K J 8Q;$P96HO!4!V+U6+C&'6N8Im&< 6#0#8$+ ./ 6N+)+!4!6N.H.@+MU+'.%0$U.4PLU!$-.B- -!4A$BCF->+4.?';25;;l=H.%EFE^.B !4!JM4U+)+U#HOE#K!@.B6.@+MM#J;$VB 4U+)+M#e!@+K .%0]-.]- &#$]BP9F->+4.?H J III. Thời hạn áp dụng: ]-!4A$BCMGrM]G2@#W !6. L5Z#M%`4Z5J IV. Một số lưu ý khác: ;$->+#$P$%M9NI8OA$BC67489sK.B72 ]#` 8- 6V8!@72!t67489.@?#L+j72!W.@2+ J*%'-.@+M+KLB-#M#L7.P6#$->+#$P!4!6.@?# B !#H.)+89#NC0#-M#68DV+.BG K!!46 G+N+)+6WL'-.@+M.%V+.B!4k7!H.)+J;+4!K46 M.B0t0+7M#L7.P6# ]!4!'k7H.)+.:!4 !J J-#8- LH.)+#89#C&'N#S7N8Im&< 6#0# 8$+./ M+7.B.B!4!$-NI8OA$BCF-?>+4G2 ,"4<5H,I H6M#L7.P6#+C&'NN 8Im&< 6#0#8$+./ PL'+7.B.B!4!$-NI8OA $BC6!P!K46MEFE^-M#L7.P6#+C&'N8I m&< 6#0#8$+./ !4!PMEFE^89#.NN.B!4!$-NI 8OA$BC4MJ 5J@8I!#0#.!C&'$-B ./+60#nH.)+!M# *!#0# ].# e>+4.?'M-]5*@+6;2<5;;! ]W &$+ ./ R.!8IS768-.bkH2] [E489! &e0#P$- &L6W K8IS7$-B ./L'I!>+4m&< 6M- N%4.(F-9GJ 7489.@?M[$&d.'-#.B-6$%M !-!4!A$BCF-?>+4G2,"4<5H,I H! ]#M? VnMNMS6!taG+NQ!@7489!.%k B ] >+4GJJ Nơi nhận: $UR ;J;$?*Pha.%,QR c#d6 $9+7;uR C489#d6 $9+7;uR +;6a0QJ KT.BỘ TRƯỞNG THỨ TRƯỞNG Nguyễn Trần Nam