I- Hađng ùn vađ dõch vuơ ùn uưịng
Laơi suíịt huy ăương vađ cho vay USD:trong quyâ I/2008, câc NHTM ăiïìu
USD:trong quyâ I/2008, câc NHTM ăiïìu chĩnh tùng laơi suíịt huy ăương USD vúâi mûâc tùng tûđ 0,11%/nùm ăïịn 1,29%/nùm so vúâi cuưịi nùm 2007, mûâc laơi suíịt huy ăương USD cao nhíịt lađ 6,15%/nùm.
Trong quyâ II/2008, câc NHTM tiïịp tuơc ăiïìu chĩnh tùng laơi suíịt huy ăương USD vúâi mûâc tùng bịnh quín khoăng 0,35-1,85%/nùm, laơi suíịt huy ăương USD phưí biïịn cuêa nhôm NHTMNN khoăng 6,5-7%/nùm, cuêa nhôm NHTMCP khoăng 7-8%/nùm. Cuđng vúâi viïơc ăiïìu chĩnh tùng laơi suíịt huy ăương USD, laơi suíịt cho vay USD cuơng tùng lïn khoăng 2-2,5%/nùm so vúâi ăíìu nùm 2008 (laơi suíịt cho vay phưí biïịn khoăng 9-9,5%/nùm).
Tûđ ăíìu quyâ III/2008, laơi suíịt huy ăương vađ cho vay USD liïn tuơc giăm vúâi mûâc giăm tûđ 2- 3%/nùm, vađ ăïịn 31/12/2008 phưí biïịn úê mûâc: dûúâi 3 thâng lađ 2,6-4,3%/nùm, 3 thâng ăïịn 12 thâng lađ 3,3-4,5%/nùm, 12 thâng lađ 4-
4,6%/nùm, trïn 12 thâng lađ 3,7-4,9%/nùm; laơi suíịt cho vay USD phưí biïịn úê mûâc: ngùưn haơn lađ 6,1-7,5%/nùm, trung dađi haơn lađ 7,2-8,5%/nùm.
VND lending interest rate:before the
validation of the SBV interest rate regulating mechanism in accordance with Decision No. 16/2008/QD - NHNN, commercial banks' lending interest rate was rather high (about 18.5 - 19% in March 2008). Upon introducing the new
interest rate regulating mechanism of the SBV, commercial banks' lending interest rate was controlled within a cap of 18% (by mid - May 2008). From June 11 to October 21, 2008 (the base interest rate increased from 12% to 14% per annum), commercial banks adjusted interest rates close to the ceiling interest rate of up to 21%, without any transaction fees.
From October 21 to December 31, 2008, following the lowering of SBV's base interest rate, maximum VND lending rate (150% of the base interest rate) offered by financial institutions decreased accordingly. In addition, financial institutions also offered preferential lending rates to certain types of borrowers (food purchasers, exporters) with the annual interest rate of about 1 - 1.5 percentage points lower than the ordinary rates. From December 31, generally, VND lend- ing rate remained at
10.8% - 11.5%, 12% - 12.75% and 8.5% - 10% p.a for short - term, medium and long - term and preferential loans, respectively.