Increase unsecured loans to serve agricultural and rural development

The Government has issued Decree No. 156/2025/ND-CP amending and supplementing a number of articles of Decree No. 55/2015 of the Government on credit policy for agricultural and rural development . Accordingly, the Decree increases the maximum unsecured loan amount for individuals, households, cooperatives, business households, cooperatives... specifically: For individuals and households, the limit is increased from 100 - 200 million VND to 300 million VND. The unsecured loan amount for cooperatives and business households is increased from VND300 million to VND500 million. The unsecured loan amount for farm owners is increased from VND1-2 billion to VND3 billion. The unsecured loan level for cooperatives and cooperative unions is increased from 1-3 billion VND to 5 billion VND. The Decree also simplifies loan procedures, removing the requirement to submit a certificate of land use rights not yet granted and land without disputes confirmed by the People's Committee at the commune level. The submission of land use rights certificates is changed from mandatory to an agreement between the customer and the credit institution. The Decree takes effect from July 1, 2025.

Báo Công thương•23/06/2025

The Government has issued Decree No. 156/2025/ND-CP amending and supplementing a number of articles of Decree No. 55/2015 of the Government on credit policy for agricultural and rural development .

Accordingly, the Decree increases the maximum unsecured loan amount for individuals, households, cooperatives, business households, cooperatives... specifically:

For individuals and households, the limit is increased from 100 - 200 million VND to 300 million VND.

The unsecured loan amount for cooperatives and business households is increased from VND300 million to VND500 million.

The unsecured loan amount for farm owners is increased from VND1-2 billion to VND3 billion.

The unsecured loan level for cooperatives and cooperative unions is increased from 1-3 billion VND to 5 billion VND.

The Decree also simplifies loan procedures, removing the requirement to submit a certificate of land use rights not yet granted and land without disputes confirmed by the People's Committee at the commune level. The submission of land use rights certificates is changed from mandatory to an agreement between the customer and the credit institution. The Decree takes effect from July 1, 2025.

Source: https://congthuong.vn/tang-muc-cho-vay-khong-tai-san-bao-dam-phuc-vu-phat-trien-nong-nghiep-nong-thon-407136.html