According to Decision 09/2022/QD-TTg on credit for students with difficult circumstances to buy computers and equipment for online learning, students are supported to borrow loans to buy equipment. maximum 10 million VND/student for online learning.
Article table of contents
Support students with loans to buy online learning equipment up to 10 million VND (Artwork)
Specifically, regulations on credit policy for students with difficult family circumstances to buy computers and equipment for online learning are as follows:
1. Borrowers
According to Clause 1, Article 3 of Decision 09/2022/QD-TTg , borrowers include:
- Students at all levels who are studying at educational institutions of the national education system according to the provisions of the Law on Education meet the conditions to be eligible for loans in Section 2.
- Students who are studying at universities (or university equivalents), colleges, intermediate schools and vocational education centers established and operating in accordance with the law of Vietnam, meeting the loan conditions capital in item 2
2. Loan conditions
Pursuant to Clause 2, Article 3 of Decision 09/2022/QD-TTg , students must meet the following loan conditions:
- Being a member of a household belonging to one of the following categories:
+ Poor households;
+ Near-poor households;
+ The household has an average standard of living according to the standards prescribed by law;
+ Households in difficult circumstances due to the effects of the COVID-19 pandemic (with a father or mother or father and mother who died due to the COVID-19 epidemic).
- There are no computers or devices that are eligible to meet online learning requirements and have not yet enjoyed the policy of supporting computers and online learning devices in any form.
3. Loan amount
Maximum loan amount is 10 million VND/student .
The loan is used to buy computers and equipment that are eligible for online learning, including: desktop computers, laptops, tablets and digital recording devices (webcams). ), radio receiver (microphone).
4. Lending method
Pursuant to Article 4 of Decision 09/2022/QD-TTg , the lending to students is done by the method of lending through households . The representative of the student's household is the person who borrows and deals with the Bank for Social Policies.
In case the subject is full 18 years old, he/she may directly apply for a loan at the Bank for Social Policies where he/she resides or where the school is headquartered if there is no member in the household who is full 18 years old or older or a member of the rest have no working capacity or full civil act capacity as prescribed by law.
The lending of the Bank for Social Policies is made by entrustment method to socio-political organizations under entrustment contracts or directly to borrowers.
5. Loan term and interest rate
According to Article 8, Article 9 of Decision 09/2022/QD-TTg stipulates:
- Maximum loan term 36 months .
For students directly applying for loans:
+ At the time of borrowing, if the estimated time to finish the course is 24 months or more, the maximum loan term is counted from the date of loan to the end of 12 months after the expected time of completion of the course;
+ The expected time of completion of the student's course is determined according to the school's certificate.
- Loan interest rate 1.2%/year . The interest rate on overdue debt is equal to the lending interest rate for poor households at the time of borrowing.
Decision 09/2022/QD-TTg takes effect from April 4, 2022.
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