B/Banks flout dollar loan interest

B/Banks flout dollar loan interest cap


Some commercial banks have been increasing the interest rates they offer on US dollar deposits beyond the current ceiling of 2 per cent per year imposed by the State Bank of Viet Nam – with some customers reporting that they have been offered short-term rates of 3-3.5 per cent and even above 4 per cent for larger sums.
Nguyen Bich Van of Nhan Chinh commune in Ha Noi's Thanh Xuan District, intended to deposit US$15,000 and was warmly offered 3 per cent interest by a credit institution on Lang Ha Street. Van eventually negotiated a rate of 3.5 per cent. " “Many depositors have told us that they would withdraw their deposits if we didn't raise the interest rate," said the director of one commercial bank who asked to remain anonymous. "The ceiling rate of 2 per cent is rarely followed." To hide the unlawful levels of interest, many banks have launched promotion programmes and investment programmes that guarantee the additional payment to the depositor. "Some banks are trying to call in dollars in anticipation of higher lending demand," said the bank director. Pham Van Vinh, director of Van An Co Ltd, a water pipe distributors, said US dollar loans were now much cheaper than those in dong. A VND3 trillion ($145.6 million) loan would cost him monthly interest of approximately VND60 million ($2,910), while the interest costs on US dollar loans converted into dong would be only VND19 million ($920).
"Such a difference has been the principal driver in increasingly strong demand for US dollars in recent weeks," Vinh said.
According to State Bank statistics, deposits in foreign currencies have increased by 8.9 per cent since the end of last year, while outstanding loans in foreign currencies have shot up by 22.4 per cent. Private depositors account for 70 per cent of the total foreign currency on hand in commercial banks.

Kết quả (Trung) 1:

B/银行无视美元贷款利率上限


一些商业银行一直在增加他们提供关于美元存款之外，目前的限额每年征收的越南 — — 与一些客户报告他们获得了 3 3.5 ％ 和甚至 4 ％ 以上的较大的款项的短期利率，国家银行的 2%的利率.
仁李正华阮碧范公社的 Ha Noi 滨城玄武区，意欲存入美国 $15,000 和热忱由医管局郎街的信贷机构提供 3%的利息。范最终谈判达成率为 3.5%。""很多存户告诉我们他们会撤回他们的存款，是否我们不提高利率，说： 一家商业银行厅长要求保持匿名。2 ％ 的最高比率是很少之后。若要隐藏的非法利益的水平，很多银行推出了促进计划和投资方案，保证额外支付给储户。"一些银行试图呼叫在更高的贷款需求，预期美元"银行主任说。Pham Van Vinh，水管道分销商、 范有限公司主任说美元贷款现在比那些在东便宜很多。VND3 万亿 （1 亿 4560 万美元) 贷款费用就每月利息的约 VND60 万 （$2,910），虽然转换成董美元贷款的利息成本将是只有 VND19 万 （920 元）。
"这种差异一直主要驱动程序日益强烈需求的美元在最近几个星期中，"荣说.
国家银行的统计数字显示，外币存款增加 8.9%自去年年底以来虽然外币各项贷款余额已上升 22.4%。私人存户占 70%的外币总商业银行在手上。

Kết quả (Trung) 3:

B /银行无视美元贷款利息帽


一些商业银行已经提高了利率对他们提供的美元存款超过目前的2上限每年百分之由越南–与一些客户报告说，他们已经提供了短期利率达到3%至3.5%，甚至4以上百分之大和国家银行
强加的阮碧范的中国人民公社在河内的青玄区，为了存款15000美元，热情提供3厘利息由郎哈街道信用制度。凡最终达成率3.5个百分点。”“许多储户们告诉我们，他们将撤出他们的存款，如果我们不提高利率，“一个商业银行谁要求匿名的主任说。”天花板率百分之2很少。“隐藏的利益的非法的水平，许多银行纷纷推出促销计划和投资方案，保证存款人支付额外的费用。”一些银行正试图打电话给在更高的贷款需求预期美元，“银行经理说。范文Vinh，范一股份有限公司董事，水管的经销商说，美元贷款，比现在更便宜很多东。一个vnd3万亿（145600000美元）的贷款将花费他大约每月利息vnd60百万（2910美元），而利息成本美元贷款转换成洞只会vnd19百万（920美元）。
“这样的差异已越来越强劲的美元在最近几周需求的主要驱动，“荣说。
根据国家银行的统计，外币存款自去年年底增加了8.9个百分点，而外币贷款余额增长了22.4个百分点。私人存款占70的占总数的外币分在商业银行。