Preferential loan program funded by JICA – JAPAN for SMEs (SMEFP) - Ngân hàng SHB
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SMEs will be entitled to a 1.5% interest rate discount with flexible principal and interest repayment period depending on the repayment capacity of the enterprises

  • Preferential interest rate: 2.5% lower than normal rate.
  • Flexible principal and interest repayment period depending on the repayment capacity of SMEs.
  • Loan tenor: medium & long-term loans up to 10 years.
  • Principal grace period up to 02 years.
  • A minimum of 15% of total valid costs of the project must be financed by client
  • Small and Medium Size Enterprises
  • Established under the Law on Enterprises, including joint-stock companies, limited liability companies, partnerships, private enterprises.
  • A maximum capital of 100 billion VND totally or average number of employees up to 300 people annually.
  • Customers in need of medium & long-term loans for investment in buildings, machinery, equipment and vehicles for production and business in the sectors: manufacturing, mining, agriculture, forestry and fisheries, construction, construction equipment, distribution, warehousing, wholesale, retail, export trade, transport, printing, publishing, utilities, infrastructure, healthcare and education and training.
  • Loan Application (under SHB form)
  • Documents related to the project
  • Corporate legal documents: Establishment license, business registration certificate, corporate charter.