MONTHLY LEGAL UPDATE – 01/2020: LEGAL UPDATE RELATING TO FINANCE AND CREDIT
1. LEGAL DOCUMENTS ARE EFFECTIVE FROM 01/01/2020
1.1. Decree No. 86/2019/NĐ-CP dated on 14/11/2019 prescribing legal capital of credit institutions and foreign bank branches
v Name of legal document: Decree No. 86/2019/NĐ-CP issued on 14/11/2019 by the Gorverment prescribing legal capital of credit institutions and foreign bank branches (referred to as the “Decree No. 86/2019/NĐ-CP”).v Effective date: 15/01/2020.Some content should be noted:
·
Firstly, regulating levels
of legal capital.
Specifically, Clause 1, Clause 2,
Clause 3, Clause 4 Article 2 stipulates:
“Article 2. Levels of legal capital
1. Commercial banks: 3,000 billion dong.
2. Policy banks: 5,000 billion dong.
3. Cooperative banks: 3,000 billion dong.
4. Foreign bank branches: 15 million U.S. dollars (USD).”
·
Secondly, regulating on transitional provisions for credit institutions (except
people’s credit funds) or foreign bank branches licensed regarding to legal
capital before the entry into force of this Decree.
Specifically, Clause 1 Article 3
stipulates: “Article 3. Transitional
provisions
1. Credit institutions (except people’s credit funds) or foreign bank
branches licensed before the entry into force of this Decree must ensure that
the minimum amount of their actually contributed or allocated charter capital
is at least equal to legal capital levels stated in Article 2 herein from the
effective date of this Decree.”
v Name of legal document: Circular No. 22/2019/TT-NHNN issued on 15/11/2019 by the State Bank of Viet Nam regulations on limitations and ratio of security assurance in operations of banks and branches of foreign banks (referred to as the “Circular No. 22/2019/TT-NHNN”).v Effective date: 01/01/2020.Some content should be noted:
·
Firstly, regulating restrictions and
limits on credit extension.
Specifically, Article 10 of
Circular No. 22/2019/TT-NHNN stipulates:
“Article 10. Restrictions and limits on credit extension
1. Banks, branches of foreign banks comply with the regulations on
cases which are not granted credit extension, which are credit restriction and
credit limit according to Article 126, Article 127 and Article 128 of the Law
on Credit Institutions (amended and supplemented).
2. Banks, branches of foreign banks shall base themselves on the own
capital to be determined according to the provisions of Clause 3 of this
Article at the end of the latest working day to determine credit extension
restrictions and limits according to the provisions of Clause 1 this.
3. The own capital is determined as follows:
a) For banks and/or branches of foreign banks that implement the
minimum capital adequacy ratio in accordance with this Circular, banks using
separate equity capital, branches of foreign banks shall use their own capital
in accordance with regulations at Article 9 of this Circular.
b) For banks, branches of foreign banks implement capital adequacy
ratio according to Circular 41/2016/TT-NHNN, banks, branches of foreign banks
use own capital as prescribed in Circular No. 41/2016/TT-NHNN.”
·
Secondly, providing on management of
credit extension.
Specifically, Article 13 of
Circular No. 22/2019/TT-NHNN stipulates:
“Article 13. Management of credit extension
1. Banks and branches of foreign banks shall manage credit extension
activities according to the provisions of law and the internal regulations on
credit extension and loan management to ensure the use of loan capital for the
right purposes provided at Clause 1, Article 4 of this Circular.
2. Banks and branches of foreign banks must prepare and update
immediately upon any change of the list of founding shareholders, major
shareholders, capital contributing members, members of the Board of Directors
and members of the Board of members, members of the Supervisory Board,
executives and other management titles in accordance with the laws, the
organization and operation charter of the bank and related persons of these
people. This list must be made public throughout the system of banks, branches
of foreign banks and sent directly or via postal service to the State Bank as
prescribed at Points a and b, Clause 6, Article 4 of this Circular.
3. Banks and branches of foreign banks must report to:
a) The General Meeting of Shareholders, the Members' General Meeting of
credit extensions to the subjects specified in Clause 1, Article 127 of the Law
on Credit Institutions (amended and supplemented) arising until the time of
taking the number whether to convene a General Meeting of Shareholders, a General
Meeting of Members;
b) Owners, capital contributors, managers, executives when giving
credit to subjects defined in Clause 1, Article 127 of the Law on Credit
Institutions (amended and supplemented) );
c) The State Bank shall comply with the State Bank's regulations on the
regime of statistical reporting of credit extension to subjects defined in
Clause 1, Article 127 of the Law on Credit Institutions (amended and
supplemented).
4. Credit extension to subsidiaries, associated companies and entities
listed in Clause 2 of this Article (except for cases where credit is not
provided for in Article 126 of the Law on Credit Institutions (already amended,
supplemented)) must be approved by the Board of Directors, Board of Members
(for banks), General Director/Director (for branches of foreign banks), except
for credit extension under the authority of the General Meeting of
Shareholders. The Supervisory Board must supervise credit approval for these
subjects.”
v Name of legal document: Circular No. 24/2019/TT-NHNN issued on 18/11/2019 by the State Bank of Viet Nam provisions on refinanced loans in the form of -re-lending according to credit dossier for credit institutions (referred to as the “Circular No. 24/2019/TT-NHNN”).v Effective date: 18/01/2020.Some content should be noted:
·
Firstly, proving interest rate.
Specifically, Article 6 of
Circular No. 24/2019/TT-NHNN stipulates:
“Article 6. Interest rate
1. The interest rate of refinanced loan, extension of refinanced loan
in the form of re-lending according to credit dossier is the interest rate of
refinanced loan announced by the State Bank in each period at the time when the
refinanced loan amount is disbursed, extended.
2. Overdue interest on the refinanced loan principal equals 150% of the
interest rate applicable to refinanced loan.”
·
Secondly, providing terms of
refinanced loan and extension of refinanced loan.
Specifically, Article 7 of
Circular No. 24/2019/TT-NHNN stipulates:
“Article 7. Term of refinanced loan, extension of refinanced loan
1. The term of refinanced loan in the form of re-lending according to the credit dossier shall be considered and decided by the State Bank and must be less than 12 months.
2. Each extension period must not exceed the term of refinanced loan; total refinanced loan time and refinanced loan extension must not exceed 12 months.”
1.4. Circular No. 25/2019/TT-NHNN amendments to the Circular No. 40/2011/TT-NHNN dated December 15, 2011 of the Governor of the State bank of Vietnam providing for licensing and organization and operation of commercial banks, foreign bank branches, representative offices of foreign credit institutions and other foreign organizations performing banking activities in Vietnamv Name of legal document: Circular No. 25/2019/TT-NHNN issued on 02/12/2019 by the State Bank of Viet Nam amendments to the Circular No. 40/2011/TT-NHNN dated December 15, 2011 of the Governor of the State bank of Vietnam providing for licensing and organization and operation of commercial banks, foreign bank branches, representative offices of foreign credit institutions and other foreign organizations performing banking activities in Vietnam (referred to as the “Circular No. 25/2019/TT-NHNN”)Circular No. 40/2011/TT-NHNN dated December 15, 2011 of the Governor of the State bank of Vietnam providing for licensing and organization and operation of commercial banks, foreign bank branches, representative offices of foreign credit institutions and other foreign organizations performing banking activities in Vietnam (referred to as the “Circular No. 40/2019/TT-NHNN”)v Effective date: 17/01/2019.
The content should be noted: Adding
the provision on modification of license of representative offices[1].
Specifically, Clause 4 Article 1
of Circular No. 25/2019/TT-NHNN stipulates: “Article 1. Amendments to Circular No. 40/2011/TT-NHNN dated
December 15, 2011 of the Governor of the State Bank of Vietnam providing for
the licensing and organization and operation of commercial banks, foreign bank
branches, representative offices of foreign credit institutions and other
foreign organizations performing banking activities in Vietnam (hereinafter
referred to as “Circular No. 40/2011/TT-NHNN")
…
4. Section 5 is added to Chapter II as follows:
“Section
5
MODIFICATION
OF LICENSE OF REPRESENTATIVE OFFICES
Article 18d. General provisions
on changes in a representative office
1. A representative office shall prepare an application for
modification of its license and then submit it directly or by post to the SBV’s
provincial branch as prescribed in Point a Clause 2 Article 18dd of this
Circular (Circular No. 40/2011/TT-NHNN) if
it has the following changes;
a) Change of its name;
b) Relocation to another province or city;
c) Extension of operation duration.
2. A representative office shall send a written notification directly
or by post to the SBV’s branch in province or city where it is located within
07 business days from the occurrence of one of the following changes:
a) Change of its chief representative;
b) Relocation within the same province or city;
c) Change of address without change of its location.
3. Representative offices shall prepare application for modification of
license in the case prescribed in Clause 1 of this Article according to
provisions in Article 13 of this Circular (Circular No. 40/2011/TT-NHNN).
4. After obtaining an approval from the SBV's provincial branch for its
modification of license with respect to the changes specified in Clause 1 of
this Article (Circular No. 40/2011/TT-NHNN), the representative office shall:
a) carry out procedures for registration of changes with a relevant
competent authority;
b) start operation at the new location and terminate operation at the
previous location within 06 months after obtaining an approval from the SBV's
provincial branch for its modification of license with respect to the change
specified in Point b Clause 1 of this Article (Circular No.
40/2011/TT-NHNN);
c) publish the changes on SBV’s mass media and 03 consecutive issues of
a daily printed newspaper or an online newspaper of Vietnam within 07 working
days after obtaining an approval from the SBV's provincial branch for its
modification of license.
Article 18dd. Application and
procedures for modification of license of representative offices
1. An application for modification of license with respect to the
changes specified in Clause 1 Article 18d of this Circular (Circular No.
40/2011/TT-NHNN)include:
a) An application form for modification of license which bears the
signature of the legal representative of the foreign credit institution, or
other foreign organization performing banking activities, and includes the
following contents:
(i) Current contents;
(ii) Contents to be changed. In case of change of name, the new
name must comply with provisions in Clause 1 Article 23 of this Circular (Circular
No. 40/2011/TT-NHNN);
(iii) Reasons for such changes;
b) Documents explaining the change (in case of change of name); or
documents proving that the representative office has or will have the right to
use the new location (in case of relocation of a representative office);
c) Financial statements of the foreign credit institution or other
foreign organization performing banking activities of the year preceding the
year of application, which have been audited by an independent audit firm, and
general report on operations of the representative office in case of extension
of operation duration (which must specify the operations of the representative
office within 03 years preceding the year of application and operation plan for
the following year).
2. Procedures for modification of license:
a) The representative office shall submit an application to the SBV’s
branch in the province or city where it is located in case of change of name or
extension of operation duration, or where it is relocated to in case of
relocation of the representative office. In case of extension of
operation duration, the application must be submitted at least 60 days before
the expiry date of the license;
b) If an application is insufficient or invalid, within 05 business
days from the receipt of the application, the SBV’s provincial branch shall
request the representative office in writing to complete it;
c) Within 30 days from the receipt of sufficient and valid application,
the SBV’s provincial branch shall issue a decision on modification of the
license of the representative office. If an application is refused, the
SBV’s provincial branch shall give a written response indicating reasons for
such refusal to the applicant.””
v Name of legal document: Circular No. 07/2019/TT-BTPN issued on 25/11/2019 by the judicial providing guiding a number of contents of the registration of the mortgage of land use right and land-attached assets (referred to as the “Circular No. 07/2019/TT-BTP”).v Effective date: 10/01/2020.Some contents should be noted:
·
Firstly, regulating on registration
of mortgage of land use rights and land-attached assets.
Specifically, Article 4 of
Circular No. 07/2019/TT-BTP stipulates: “Cases of registration of the mortgaging of land use rights and
properties on land
Article 4. Cases of registration of the mortgaging of land use rights
and properties on land
1. Cases of registration of the mortgaging of land use rights and
properties on land:
a) Registration of mortgaging of land use rights;
b) Registration of mortgaging of properties on land;
c) Registration of mortgaging of land use right and properties on land;
d) Registration of mortgaging of future acquired properties on land;
dd) Registration of mortgaging of land use rights and future acquired
properties on land;
e) Registration of mortgage of construction investment projects of construction
works being housing, investment projects of construction works not being
housing, other construction investment projects according to the provisions of
law;
g) Registration of changes to registered mortgaging;
h) Registration of written notification of settlement of collaterals in
case mortgaging has been registered;
i) Removal of mortgage registration.
2. In case of registration of mortgages as prescribed at Point e,
Clause 1 of this Article is perform like the registration of mortgage of land use
rights, future acquired properties on land being housing, construction works.
3. The mortgage registration prescribed in Clause 1 of this Article is
carried out in cases of mortgages to guarantee the performance of civil
obligations of the mortgagor, to guarantee the performance of civil obligations
of others or guarantee the performance of civil obligations for both the
mortgagor and the others.”
·
Secondly, regulating forms of registration of mortgage of land use rights
and land-attached assets.
Specifically, Article 21 of
Circular No. 07/2019/TT-BTP stipulates:
“Article 21. Registration form of registration of mortgage of land use rights
and land-attached assets
Composition of a dossier of registration of registration of mortgage of
land use rights and land-attached assets made according to forms promulgated
together with this Circular, comprises:
1. Form No. 01/DKK: Mortgage registration request form;
2. Form No. 02/ĐKTĐ-SCSS: The written request of registration of
changes, corrections of errors;
3. Form No. 03/DKKB: The written request of registration of a written
notice of mortgage asset handling;
4. Form No. 04/XĐK: The written request of deletion of registration;
5. Form No. 05/CTĐK: The written request of forwarding mortgage
registration;
6. Form No. 06/BSCB: Additional pages on mortgage contracting parties;
7. Form No. 07/BSTS: Additional page on mortgage assets;
8. Form No. 08/DMHĐTC: List of registered mortgage contracts;
9. Form No. 09/SĐKTL: The book of registration of mortgage of future acquired
properties on land;
10. Form No. 10/VBTB: The written notice of temporary suspension or
stop of mortgage registration; notify the distraint and clearance of land use
right and land-attached assets.”
·
Thirdly, regulating the implementation effect of Circular No.
07/2019/TT-BTP.
Specifically, Article 22 of
Circular No. 07/2019/TT-BTP stipulates: “Article
22. Effect
1. This Circular takes effect from January 10, 2020.
2. This Circular replaces Joint Circular No. 09/2016/TTLT-BTP-BTNMT of
June 23, 2016 of the Minister of Justice and the Minister of Natural Resources
and Environment instructions on registration of mortgaging of land use rights,
properties on land.”
·
Fourthly, detail of Mortgage registration request form.
"Mẫu số 01/ĐKTC
CỘNG HÒA XÃ HỘI CHỦ NGHĨA VIỆT NAM ………., ngày ... tháng ... năm …... PHIẾU YÊU CẦU ĐĂNG KÝ THẾ CHẤP QUYỀN SỬ DỤNG
ĐẤT, TÀI SẢN GẮN LIỀN VỚI ĐẤT (Ban hành kèm theo Thông tư số 07 ngày 25
tháng 11 năm 2019 của Bộ Tư pháp) Kính gửi: ……………………………………………… ………………………………………………………….. |
PHẦN GHI CỦA CÁN BỘ TIẾP NHẬN |
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Vào Sổ tiếp nhận hồ sơ: Quyển số ……………. Số thứ tự …………….. |
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Cán bộ tiếp nhận |
PHẦN KÊ KHAI CỦA CÁC BÊN KÝ KẾT HỢP ĐỒNG THẾ
CHẤP |
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Người yêu cầu đăng ký: |
□ Bên thế chấp |
□ Bên nhận thế chấp |
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□ Người đại diện của bên thế chấp, bên nhận
thế chấp |
□ Quản tài viên |
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1. Bên thế chấp 1.1. Tên đầy đủ của tổ chức, cá nhân: (viết
chữ IN HOA) …………………………………………… ………………………………………………………………………………………………………………. 1.2. Địa chỉ liên hệ:
……………………………………………………………………………………….. ………………………………………………………………………………………………………………. 1.3. Số điện thoại (nếu có): ……………
Fax (nếu có): ………….. Thư điện tử (nếu có): ………… 1.4. □ Chứng minh nhân dân/Căn cước công
dân/Chứng minh QĐND □ Hộ chiếu □ GCN đăng ký doanh nghiệp/GCN đăng ký hoạt
động chi nhánh, văn phòng đại diện/GP thành lập và hoạt động □ QĐ thành lập □
GP đầu tư/GCN đầu tư/GCN đăng ký đầu tư □ Giấy tờ xác định tư cách pháp lý khác:
……………………………………………………………… Số: …………………………………………………………………………………………………………. Cơ quan cấp …………………………… cấp ngày ………… tháng
…………… năm ……………… |
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2. Bên nhận thế chấp 2.1. Tên đầy đủ của tổ chức, cá nhân: (viết
chữ IN HOA) …………………………………………… ………………………………………………………………………………………………………………. 2.2. Địa chỉ liên hệ: ……………………………………………………………………………………….. ………………………………………………………………………………………………………………. 2.3. Số điện thoại (nếu có): ……………
Fax (nếu có): ………….. Thư điện tử (nếu có): ………… 2.4. □ Chứng minh nhân dân/Căn cước công
dân/Chứng minh QĐND □ Hộ chiếu □ GCN đăng ký doanh nghiệp/GCN đăng ký hoạt
động chi nhánh, văn phòng đại diện/GP thành lập và hoạt động □ QĐ thành lập □
GP đầu tư/GCN đầu tư/GCN đăng ký đầu tư □ Giấy tờ xác định tư cách pháp lý khác:
……………………………………………………………… Số: …………………………………………………………………………………………………………. Cơ quan cấp …………………………… cấp ngày ………… tháng
…………… năm ……………… |
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3. Mô tả tài sản thế chấp 3.1. Quyền sử dụng đất 3.1.1. Thửa đất số: ……………………….; Tờ bản đồ số (nếu
có): ……………………………….. Mục đích sử dụng đất:
…………………………………………………………………………………… Thời hạn sử dụng đất: …………………………………………………………………………………… 3.1.2. Địa chỉ thửa đất:
………………………………………………………………………………….. ……………………………………………………………………………………………………………… 3.1.3. Diện tích đất thế chấp:
……………………………………………………………………… m2 (ghi bằng chữ:
……………………………………………………………………………………) 3.1.4. Giấy chứng nhận quyền sử dụng đất,
quyền sở hữu nhà ở và tài sản khác gắn liền với đất: Số phát hành: ……………………………, số vào sổ cấp giấy:
……………………………………… Cơ quan cấp: ……………………………., cấp ngày …….. tháng
……. năm …………………… 3.2. Tài sản gắn liền với đất; tài sản gắn
liền với đất hình thành trong tương lai không phải là nhà ở 3.2.1. Giấy chứng nhận quyền sử dụng đất,
quyền sở hữu nhà ở và tài sản khác gắn liền với đất: Số phát hành: …………………… , số vào sổ cấp giấy: Cơ quan cấp: ………………………………… , cấp ngày …..
tháng …. năm …………………… 3.2.2. Số của thửa đất nơi có tài sản:
……………….; Tờ bản đồ số (nếu có): ……………………. 3.2.3. Mô tả tài sản gắn liền với đất/tài sản
gắn liền với đất hình thành trong tương lai: ………… ……………………………………………………………………………………………………………….. 3.3. Nhà ở hình thành trong tương lai thuộc dự
án xây dựng nhà ở 3.3.1. Tên và địa chỉ dự án có nhà ở hình
thành trong tương lai: ………………………………….. ………………………………………………………………………………………………………………. 3.3.2. Loại nhà ở: □ Căn hộ chung cư; □ Nhà
biệt thự; □ Nhà liền kề. 3.3.3. Vị trí căn hộ chung cư/ nhà biệt thự/
nhà liền kề: …………………………………………….. (đối với căn hộ chung cư: Vị trí tầng:
………………….. ; Số của căn hộ: …………………………; Tòa nhà
………………………………….………………………………………………………………...) 3.3.4. Diện tích sử dụng: ……………………………….m2 (ghi bằng chữ:
……………..……………………………………………………………………………...) 3.3.5. Hợp đồng mua bán nhà ở hình thành trong
tương lai (nếu có): Số hợp đồng (nếu có): ……………………………………, ký kết
ngày ….. tháng …… năm ……… 3.4. Dự án xây dựng nhà ở 3.4.1. Giấy chứng nhận quyền sử dụng đất,
quyền sở hữu nhà ở và tài sản khác gắn liền với đất (nếu có): Số phát hành: …………………, số vào sổ cấp giấy:
……………………………………………….. Cơ quan cấp: …………………………………………., cấp ngày …….
tháng ……. năm ……….. 3.4.2. Quyết định giao đất, cho thuê đất của
cơ quan có thẩm quyền Số: ……………………………………………………………………………………………………….. Cơ quan cấp: …………………………………………., cấp ngày …….
tháng ……. năm ……….. 3.4.3. Số của thửa đất nơi có dự án xây dựng
nhà ở: …………. ; Tờ bản đồ số (nếu có): ……. 3.4.4. Tên dự án xây dựng nhà ở:
……………………………………………………………………. 3.4.5. Mô tả dự án xây dựng nhà ở:
…………………………………………………………………. …………………………………………………………………………………………………………….. 3.5. Nhà ở hình thành trong tương lai không
thuộc dự án xây dựng nhà ở 3.5.1. Giấy chứng nhận quyền sử dụng đất,
quyền sở hữu nhà ở và tài sản khác gắn liền với đất: Số phát hành: …………………, số vào sổ cấp giấy:
…………………………………………………. Cơ quan cấp: …………………………………………., cấp ngày …..
tháng …… năm …………. 3.5.2. Số của thửa đất nơi có nhà ở hình thành
trong tương lai: ….; Tờ bản đồ số (nếu có): …. 3.5.3. Mô tả nhà ở hình thành trong tương lai:
………………………………………………………… |
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4. Hợp đồng thế chấp: số (nếu
có) …………………………, ký kết ngày ….. tháng ….. năm ……. |
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5. Thuộc đối tượng không phải nộp phí đăng ký □ |
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6. Tài liệu kèm theo: …………………………………………………………………………………….. ……………………………………………………………………………………………………………….. ……………………………………………………………………………………………………………….. ……………………………………………………………………………………………………………….. |
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7. Phương thức nhận kết quả đăng ký: |
□ Nhận trực tiếp □ Nhận qua đường bưu điện (ghi rõ địa chỉ) …………………………………………………………………………… …………………………………………………………………………… |
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Các bên cam đoan những thông tin được kê khai
trên Phiếu yêu cầu này là trung thực, đầy đủ, phù hợp với thỏa thuận của các
bên và hoàn toàn chịu trách nhiệm trước pháp luật về các thông tin đã kê
khai. |
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BÊN THẾ CHẤP (HOẶC NGƯỜI ĐẠI DIỆN CỦA BÊN THẾ
CHẤP) |
BÊN NHẬN THẾ CHẤP (HOẶC NGƯỜI ĐẠI DIỆN CỦA BÊN
NHẬN THẾ CHẤP/QUẢN TÀI VIÊN) |
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PHẦN CHỨNG NHẬN CỦA CƠ QUAN ĐĂNG KÝ |
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Văn phòng đăng ký đất đai: ………………… ……………………………………………………………………………………………………………… Chứng nhận việc thế chấp
……………………………………………………………………………... đã được đăng ký theo những nội dung kê khai
tại Phiếu yêu cầu này tại thời điểm .... giờ.... phút, ngày.... tháng.... năm……. |
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…………, ngày …. tháng …… năm …… |
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HƯỚNG DẪN KÊ KHAI
1. Hướng dẫn chung
1.1. Nội dung kê khai rõ ràng, không tẩy xóa.
1.2. Đối với phần kê khai mà có nhiều lựa chọn khác nhau thì đánh
dấu (X) vào ô vuông tương ứng với nội dung lựa chọn
2. Kê khai về bên thế chấp, bên nhận thế chấp:
2.1. Tại điểm 1.4 và điểm 2.4: Nếu bên thế chấp, bên nhận thế chấp
là cá nhân trong nước thì kê khai về chứng minh nhân dân, căn cước công dân,
chứng minh được cấp theo Luật sỹ quan Quân đội nhân dân Việt Nam, Luật quân
nhân chuyên nghiệp, công nhân và viên chức quốc phòng hoặc giấy tờ xác định tư
cách pháp lý khác theo quy định của pháp luật; người Việt Nam định cư ở nước
ngoài, cá nhân nước ngoài thì kê khai về hộ chiếu; nếu là tổ chức thì kê khai
về Giấy chứng nhận (GCN) đăng ký thành lập (nếu có), GCN đăng ký doanh nghiệp,
GCN đăng ký hoạt động chi nhánh, văn phòng đại diện/Giấy phép(GP) thành lập và
hoạt động hoặc Quyết định thành lập hoặc GP đầu tư, GCN đầu tư, GCN đăng ký đầu
tư.
2.2. Khi cần kê khai thêm về bên thế chấp, bên nhận thế chấp mà
không còn chỗ ghi tại Mẫu số 01/ĐKTC thì ghi tiếp vào Mẫu số 06/BSCB.
3. Mô tả về tài sản thế chấp:
3.1. Trường hợp tài sản thế chấp không bao gồm quyền sử dụng đất
thì không kê khai nội dung về quyền sử dụng đất tại điểm 3.1.
3.2. Tại điểm 3.2.3: Kê khai như sau:
a) Nếu tài sản thế chấp là nhà thì phải kê khai loại nhà (nhà ở,
nhà xưởng, nhà kho, ...), số tầng, diện tích xây dựng (diện tích chiếm đất),
diện tích sử dụng, địa chỉ nhà đó.
b) Trường hợp tài sản thế chấp là nhà chung cư thì ghi tên của nhà
chung cư, số tầng, diện tích xây dựng (diện tích chiếm đất), tổng số căn hộ,
địa chỉ nhà chung cư đó.
c) Trường hợp tài sản thế chấp là căn hộ trong nhà chung cư thì
ghi "căn hộ chung cư" và ghi số của căn hộ, tầng số, diện tích sử
dụng của căn hộ, địa chỉ nhà chung cư đó.
d) Trường hợp tài sản thế chấp là công trình hạ tầng kỹ thuật thì
ghi loại công trình hạ tầng, tên từng hạng mục công trình và diện tích chiếm
đất của hạng mục công trình đó. Đối với công trình kiến trúc khác thì ghi tên
công trình và diện tích chiếm đất của công trình, địa chỉ nơi có công trình.
đ) Trường hợp tài sản thế chấp là cây rừng, cây lâu năm thì ghi
loại cây rừng, loại cây lâu năm, diện tích, địa chỉ nơi có cây rừng, cây lâu
năm.
3.2. Tại điểm 3.4.1: Kê khai thông tin về số Giấy chứng nhận quyền
sử dụng đất, quyền sở hữu nhà ở và tài sản khác gắn liền với đất của nơi có dự
án xây dựng nhà ở; trường hợp không có Giấy chứng nhận về quyền sử dụng đất,
quyền sở hữu nhà ở và tài sản khác gắn liền với đất thì kê khai thông tin về
Quyết định giao đất, cho thuê đất tại điểm 3.4.2.
3.3. Khi cần kê khai thêm về tài sản thế chấp mà không còn chỗ ghi
tại Mẫu số 01/ĐKTC thì ghi tiếp vào Mẫu số 07/BSTS.
4. Mục bên thế chấp, bên nhận thế chấp ký tên:
4.1. Trường hợp người đại diện của bên thế chấp, bên nhận thế chấp
là cá nhân thì ký, ghi rõ họ tên của người đại diện:
Trường hợp người đại diện của bên thế chấp, bên nhận thế chấp là
pháp nhân thì ký, ghi rõ họ tên, chức vụ của người đại diện hợp pháp của pháp
nhân và đóng dấu của pháp nhân là đại diện.
4.2. Trường hợp người yêu cầu đăng ký thế chấp là Quản tài viên
thì Quản tài viên phải ký, ghi rõ họ tên, chức danh và đóng dấu vào Phiếu yêu
cầu tại phần chữ ký, con dấu bên nhận thế chấp, đồng thời bên thế chấp và bên
nhận thế chấp không phải ký và đóng dấu vào Phiếu yêu cầu.
2. LEGAL DOCUMENTS ISSUED IN 12/2019
2.1. Circular No. 32/2019/TT-NHNN amending and supplementing a number of articles of Circular no. 19/2013/TT-NHNN dated September 6th, 2013 of the Governor of the State Bank of Vietnam state on the purchase, sale and settlement of bad debts of Vietnam Asset Management Company
v Name of legal document: Circular No. 30/2019/TT-NHNN issued on 31/12/2019 by the State Bank of Viet Nam amending and supplementing a number of articles of Circular No. 19/2013/TT-NHNN dated September 6th, 2013 of the Governor of the State Bank of Vietnam state on the purchase, sale and settlement of bad debts of Vietnam Asset Management Company (referred to as the “Circular No. 32/2019/TT-NHNN”).v Effective date: 14/02/2020.Some contents should be noted: amending and stipualting on restructure bad debts, Adjustment of repayment term and debt rescheduling.
Specifically, Clause 1 Article 1
of Circular No. 30/2019/TT-NHNN stipualtes: “Article
1. amending and supplementing a number of
articles of Circular No. 19/2013/TT-NHNN dated September 6th, 2013 of the
Governor of the State Bank of Vietnam state on the purchase, sale and
settlement of bad debts of Vietnam Asset Management Company (referred to
as the “Circular No. 19/2013/TT-NHNN”)
1. Clauses 2, 3 and 4 of Article 3 are amended and supplemented as
follows:
“2. Restructure bad debts is the adjustment of repayment term, debt
rescheduling; reduction of a part or total of interest amounts which are
overdue for payment, violation fees and fines; adjustment of interest rate of
bad debt.
3. Adjustment of repayment term means the approval to extend a period
of repayment of part or all of the principal and/or interest of an agreed
repayment term (including the case of no change in number of debt repayment
term agreed upon) within the previous debt repayment term agreed in the credit
agreement or loan agreement, agreement of offer of the trusteeship of credit
extension, agreement of purchase, offer of the trusteeship purchasing corporate
bonds with the repayment deadline remains unchanged.
4. Debt rescheduling means the approval to extend an additional period
of repayment of principal and/or interest in excess of the previous debt
payment term agreed in the credit agreement or loan agreement, agreement of
offer of the trusteeship of credit extension, agreement of purchase, offer of
the trusteeship purchasing corporate bonds.””
v Name of legal document: Circular No. 26/2019/TT-NHNN issued on 23/12/2019 by the State Bank of Viet Nam amending and supplementing a number of articles of the Regulation on the grant, use and management of the code bank card issuers code issued together with Decision No. 38/2007/QD-NHNN dated October 30th, 2007 of the Governor of the State Bank of Viet Nam (referred to as the “Circular No. 26/12/2019/TT-NHNN”).v Effective date: 01/03/2020.Some contents should be noted:
·
Firstly, amending and supplementing the
regulation on subjects to be granted PIN code[2].
Specifically, Clause 1 Article 15
of Circular No. 26/2019/TT-NHNN stipulates: “Article
1. Amending and supplementing a number of
articles of the Regulation on the grant, use and management of the code bank
card issuers code issued together with Decision No. 38/2007/QD-NHNN dated
October 30th, 2007 of the Governor of the State Bank of Vietnam
1. Article 4 is amended and supplemented as follows:
“Article 4. Subjects to be granted PIN code
Subjects to be granted with PIN code are organizations that issue card
in accordance with provisions of laws on banking card activities.””
·
Secondly, amending and supplementing the regulation on procedures for grant
of PIN code.
Specifically, Clause 2 Article 15
of Circular No. 26/2019/TT-NHNN stipulates: “Article
1. Amending and supplementing a number of
articles of the Regulation on the grant, use and management of the code bank
card issuers code issued together with Decision No. 38/2007/QD-NHNN dated
October 30th, 2007 of the Governor of the State Bank of Vietnam
…
“2. Article 6 is amended and supplemented as follows:
Article 6. Procedures to grant PIN code
1. In case of having demand for grant of PIN code, the card issuer has
to send directly or via postal service to the State Bank of Vietnam (Payment
Department) or via the State Bank of Vietnam Portal requests for a BIN
according to Form No. 01 issued together with this Regulation.
2. Within 5 working days after receiving a valid PIN application, the
State Bank of Vietnam shall issue a decision to perform the grant of PIN code
to the card issuer and notify in writing or via the State Bank of Vietnam
Portal for card issuers.
3. The State Bank of Vietnam shall grant 01 unique PIN code to each
card issuer that is subject to be granted PIN code.””
v Name of legal document: Circular No. 30/2019/TT-NHNN issued on 27/12/2019 by the State Bank of Viet Nam providing on performing the reserve requirement of credit institutions and foreign bank branches (referred to as the “Circular No. 30/2019/TT-NHNN”).v Effective date: 01/03/2020.Some contents should be noted:
·
Firstly, providing on credit
institutions which do not perform the reserve requirement.
Specifically, Article 3 of
Circular No. 30/2019/TT-NHNN stipulates:“Article
3. Credit institutions do not perform the reserve requirement
1. Credit institutions subject to special control: The time for failing
to perform the reserve requirement shall be from the month following the month
when credit institutions are decided by the State Bank of Vietnam (hereinafter
called the State Bank) under the state of special control, by the end of the
month, the credit institution shall be decided by the State Bank to terminate
the special control.
2. Credit institutions have not yet opened their operations: The time
for not performing the reserve requirement till the end of the month when the
credit institutions commence their operation; Credit institutions shall notify
in writing to the State Bank (Operation Center) of the operation opening date
within 3 working days after the operation opening.
3. The credit institution is approved to dissolve or has a decision to
open bankruptcy procedures or has a decision to revoke its license of a
competent agency: The time for failing to perform the reserve requirement from
the month following the month of the credit institution is approved to dissolve
or the decided to open bankruptcy procedures, revoke the valid License; credit
institutions that have decision on opening bankruptcy procedures shall send
them to the State Bank (Operation Center) for deciding to open bankruptcy
procedures within 3 working days after receiving this decision.”
·
Secondly, providing on reserve
requirement ratios, interest rates on reserve requirement deposits and deposits
in excess of reserve requirement
Specifically, Article 6 of
Circular No. 30/2019/TT-NHNN stipulates: “Article
6. reserve requirement ratios, interest rates on reserve requirement and
deposits in excess of reserve requirement
1. Reserve requirement ratios for credit institutions
a) The Governor of the State Bank shall decide the reserve requirement
ratio applicable to each type of credit institution and each type of deposit in
accordance with the national monetary policy objectives in each period, except
for reserve requirement ratio for Vietnam dong deposit to credit institutions
prescribed at Point b of this Clause;
b) For credit institutions lending for agricultural and rural development supported by reserve requirement tool, the reserve requirement ratio for Vietnam dong deposits shall comply with the State Bank's regulations. The State Bank guides the implementation of measures to manage monetary policy instruments to support credit institutions lending for agricultural and rural development.
2. Interest rates of reserve requirement deposits and deposits exceeding the reserve requirement of each type of credit institution and each type of deposit shall be decided by the Governor of the State Bank in accordance with the objectives of national monetary policy in each period.”
2.4. Circular No. 28/2019/TT-NHNN amending and supplementing a number of articles of Circular No. 19/2016/tt-nhnn dated on June 30, 2016 of the Governor of the State Bank of Vietnam on bank card operationsv Name of legal document: Circular No. 28/2019/TT-NHNN issued on 25/12/2019 by the State Bank of Viet Nam amending and supplementing a number of articles of Circular No. 19/2016/tt-nhnn dated on June 30, 2016 of the Governor of the State Bank of Vietnam on bank card operations (referred to as the “Circular No. 28/2019/TT-NHNN”).v Effective date: 01/04/2020.Some contents should be noted:
· Firstly, amending the provison on non-physical card and supplement the provisions on domestic transactions which present the card and make non-payment transactions at merchants.
Specifically, Clause 1 Article 1
of Circular No. 28/2019/TT-NHNN stipulates: “Article 1. amending and supplementing a
number of articles of Circular No. 19/2016/tt-nhnn dated on June 30, 2016 of
the Governor of the State Bank of Vietnam on bank card operations
1. Amending Clauses 7, 19, 23 and 25 and
adding Clauses 8a and 8b to Article 3 as follows:
“7. Non-physical card is a card that
does not exist in physical form, exists in electronic form and contains
information on the card as prescribed in Article 12 of this Circular (Circular
No. 19/2016/TT-NHNN) and is issued by the card issuer to the cardholder for
transaction on internet environment, application program on mobile devices;
excluding cases that physical card registered functions for transactions on the
internet environment, application programs on mobile devices. Non-physical
cards may be printed by physical card issuers upon the request of
cardholders.”.
“8a. Domestic transaction which presents
the card is a card transaction in which the card is issued by a card issuer in
Vietnam and is used to make card transactions at Automated Teller Machine and
point of sale terminals in Vietnam.”
“8b. A non-payment transaction at a
merchant is the use of card and card information to pay for goods or services
but in fact does not generate or sell goods and services.”
.... ”
·
Sencondly, Amending and
supplementing the regulation on subjects entitled to use cards.
Specifically, Clause 5 Article 1
of Circular No. 28/2019/TT-NHNN stipulates: “Article
1. Article 1. amending and supplementing a
number of articles of Circular No. 19/2016/tt-nhnn dated on June 30, 2016 of
the Governor of the State Bank of Vietnam on bank card operations
5. Amend Point b, Clause 3, Article 16 as follows:
“b) Persons aged between full 15 and under 18 who do not lose or have
limited civil act capacity may use debit cards, credit cards and prepaid
cards;”.”
v Name of legal document: Circular No. 27/2019/TT-NHNN issued on 25/12/2019 by the State Bank of Viet Nam amending and supplementing a number of articles of Circular No. 35/2014/TT-NHNN dated on November 20, 2014 of the Governor of the State Bank of Vietnam prescribing the fee for cash withdrawal via payment accounts at the State Bank Vietnam (referred to as the “Circular No. 27/2019/TT-NHNN”).v Effective date: 01/05/2020.Some contents should be noted:
·
Firstly, amending and supplementing
the regulation on cash withdrawal fee at the State Bank.
Specifically, Clause 1 Article 1
stipulates: “Article 1. Amending and
supplementing a number of articles of the Regulation on the grant, use and
management of the code bank card issuers code issued together with Decision No.
38/2007/QD-NHNN dated October 30th, 2007 of the Governor of the State Bank of
Vietnam
1. Article 3 is amended and supplemented as follows:
“Article 3. Cash withdrawal fee at the State Bank
1. Credit institutions, branches of foreign banks are exempted from
cash withdrawal in the month when the value of cash withdrawn via payment
accounts is less than or equal to cash value which is not eligible for
circulation are submitted to the State Bank where the account is opened.
2. Credit institutions, branches of foreign bank shall pay a fee of
0.005% of the positive difference in the month between the value of cash
withdrawn via payment accounts minus the value of cash value which is not
eligible for circulation are submitted to the State Bank where the account is
opened.””
·
Secondly, amending and supplementing
the regulation on cash withdrawal fee at the State Bank.
Specifically, Clause 2 Article 1
stipulates: “Article 1. Amending and
supplementing a number of articles of the Regulation on the grant, use and
management of the code bank card issuers code issued together with Decision No.
38/2007/QD-NHNN dated October 30th, 2007 of the Governor of the State Bank of
Vietnam
…
“2. To add Article 3a as follows:
Article 3a. Methods of collecting cash withdrawal fee
Every month, after calculating and collecting the cash withdrawal fee of credit institutions, foreign bank branches, Operation Centers, State Bank branches in centrally-affiliated cities and provinces, based on based on the receipts under the charge list is in the Appendix to this Circular, the accounting of cash withdrawal fee is in accordance with the provisions of the accounting account system issued in Circular No. 19/2015/TT-NHNN of October, 22nd, 2015 regulating the accounting system of the State Bank of Vietnam and the Operating Manual of the core banking system, budget accounting and system integration”.”
[1] “Representative
office shall be an underlying unit of a foreign credit institution, other
foreign organization having banking activities. A representative office shall
not be permitted to conduct business activities in Vietnam.” (Clause 7
Article Circular No. 40/2011/TT-NHNN)
[2] Bank card issuers code
