A series of attractive credit packages to support businesses at the end of the year

(Baohatinh.vn) - The need for capital for production and business increases at the end of the year, banks in Ha Tinh speed up disbursement, launch preferential loan packages, support businesses to expand investment and boost growth.

According to data from the State Bank of Region 8, as of October 15, 2025, the total outstanding debt of the business sector at credit institutions in Ha Tinh reached nearly 35,000 billion VND, a strong growth compared to the beginning of the year. This is a positive signal showing that the business community in Ha Tinh has gradually recovered and developed production and business in the context of the economy still having many potential risks.

After the severe impact of the recent consecutive storms, livestock enterprises under the Ha Tinh Minerals and Trading Corporation (Mitraco Ha Tinh) such as: Ha Tinh Agriculture and Forestry Development Joint Stock Company (Truong Luu Commune), Mitraco Ha Tinh Livestock Joint Stock Company (Ha Huy Tap Ward), Thien Loc Animal Feed Joint Stock Company are urgently restoring production. The cost of repairing livestock infrastructure and preventing diseases in livestock herds has increased, so credit capital has become an important support for these enterprises.

Mitraco Ha Tinh's livestock business block is given favorable conditions by Ha Tinh Banking sector to increase credit limit to serve production and business at the end of the year.

A representative of Mitraco Ha Tinh said: Major commercial banks in the area have promptly increased credit limits and maintained preferential lending interest rates to serve production and business; helping livestock enterprises maintain stable production chains, ensuring food supply chains for the year-end market.

In the construction sector, bank capital is also a "leverage" to help businesses complete projects on schedule.

Mr. Dang The Vinh - Deputy Director of Thao Nguyen Joint Stock Company (Thach Ha commune) shared: "At this time, we need a large amount of capital to speed up the construction of key projects. We are very happy that the current lending interest rate is relatively stable, banks create conditions to increase the limit, helping businesses proactively manage cash flow."

In October 2025 alone, BIDV Ha Tinh Branch's outstanding credit balance increased by VND 550 billion, of which nearly 50% was for corporate customers.

At BIDV Ha Tinh Branch, in October 2025 alone, outstanding credit increased by VND550 billion, of which nearly 50% was for corporate customers. Total outstanding loans of the entire branch currently reach nearly VND15,000 billion, with corporate loans accounting for 45%.

Mr. Tran Phu Vinh - Head of Planning and Finance Department (BIDV Ha Tinh Branch) said: "The bank is implementing many preferential interest rate programs for production and business enterprises, especially enterprises in the global supply chain, manufacturing and logistics. We forecast that in the last two months of the year, credit will continue to increase strongly as enterprises accelerate to complete their production and business plans for the whole year. Accordingly, in parallel with the growth of outstanding loans, BIDV Ha Tinh Branch will continue to strictly control credit flows for potentially risky areas; strengthen supervision of credit growth quality, appraisal of collateral value of loan customers..., ensuring a balance between "quantity" and "quality" in credit development".

Along with the State's large-scale credit packages such as the 145,000 billion VND package for social housing, worker housing or 185,000 billion VND to support the agriculture, forestry and fishery sector, many commercial banks in Ha Tinh are also flexibly "launching" many separate credit products for each group of corporate customers.

SHB Ha Tinh Branch approaches the facility and supports corporate customers in the loan process.

Mr. Le Dinh Bao - Head of Corporate Customer Department (SHB Ha Tinh Branch) informed: "The unit is applying a series of attractive credit programs such as: preferential interest rate program in cooperation with SMEDF Fund for small and medium enterprises, interest rate from 4%/year; preferential short-term loan program, interest rate from 6.2%/year; preferential program for construction enterprises, import-export enterprises; preferential program for rice and wood chip production industry... Attractive interest rates and lending policies have pushed the outstanding loan growth rate for SHB Ha Tinh by more than 50% compared to the beginning of the year".

Similarly, ACB Ha Tinh Branch is also implementing a VND4,000 billion credit package with VND interest rates only 0.7% higher than USD, helping businesses reduce exchange rate risks and support green production conversion according to ESG standards. In the logistics sector alone, ACB provides mobile loans of up to VND8 billion, financing up to 80% of the investment value of warehouses and transport vehicles.

On this occasion, Sacombank Ha Tinh Branch is also "running" a preferential credit package of 40,000 billion VND, with interest rates starting from only 4.3%/year, serving both production, business and year-end consumption needs... A series of attractive credit packages "launched" to the market have created favorable conditions for the Ha Tinh business community in the "sprint" period at the end of the year.

In the last two months of the year, credit projects continued to increase strongly.

According to the leader of the State Bank of Region 8, in the last two months of 2025, the unit will continue to direct credit institutions in Ha Tinh to reduce costs, reduce lending interest rates; increase access to capital for businesses and people. At the same time, promote the connection between banks and businesses, implement solutions to support difficulties for customers affected by natural disasters and epidemics; deploy credit packages to meet the capital needs for production and business in a timely manner, strive to increase credit growth while controlling credit quality...

In general, the fact that banks are boosting credit at the end of the year will not only create more motivation for businesses to recover after a difficult period and accelerate towards the 2025 target, but also contribute to promoting local economic growth, increasing market confidence and unblocking private investment capital flows.

Source: https://baohatinh.vn/loat-goi-tin-dung-hap-dan-tiep-suc-doanh-nghiep-dip-cuoi-nam-post298717.html