The new loan policy not only continues to support disadvantaged students but also encourages young people to study highly applicable majors, contributing to the formation of quality STEM human resources for the future. The new point of the STEM loan program is to expand the target audience, not restricting poor households, near-poor households, households with average living standards and households with financial difficulties like the student loan program under Decision 157/2007/QD-TTg. The loan amount is also higher, including all tuition and living expenses and a maximum living expense of 5 million VND/month, with a loan amount of over 500 million VND/student requiring collateral. In addition, the interest rate is also more preferential, only 4.8%/year. The loan recipients are students, master's students, and postgraduates studying STEM majors, including: life sciences ; production and processing; natural sciences; mathematics and statistics; computers and information technology; financial technology; Engineering technology; engineering, architecture and construction; other key technology sectors as prescribed. First-year students must have the results of 3 years of high school (grades 10, 11, 12) with a good grade or higher, or the average score of grade 12 in 4 subjects (Math, Physics, Chemistry, Biology) is 8 or higher, second-year students must have the average learning results of all subjects with a good grade or higher. Customers borrowing up to 500 million VND do not have to provide loan guarantees, and the loan period is flexible.
Accordingly, Ms. Tam's family residing in Hung Thinh commune has a first -year student in Financial Technology at Ho Chi Minh City University of Industry and Trade, who is the first customer to access this loan source with a total approved loan amount during the student's study period of 304 million VND, disbursed with an amount of 76 million VND for the 2025-2026 school year to cover tuition, living expenses and other study expenses during the study period with a loan interest rate of 4.8%/year. With the above loan amount and preferential interest rate policy as well as a long repayment period, Ms. Tam is happy because from now on, her financial difficulties have been overcome, her daughter can rest assured to continue studying, pursuing her passion and dreams.
Ms. Pham Thi Hue Quyen, Director of the Trang Bom Social Policy Bank Transaction Office, said that in order for the policy to be effective, the Trang Bom Social Policy Bank Transaction Office has coordinated with local authorities, mass organizations and savings and loan groups to strengthen propaganda, guide documents, and evaluate publicly and transparently; while ensuring quick and timely disbursement.
In the coming time , the unit will continue to closely coordinate with schools, local authorities, departments, functional units, entrusted socio -political organizations and the Management Board of Savings and Loan Groups to promote the dissemination of this loan program to the people, helping beneficiaries clearly understand the conditions and procedures for borrowing capital to access capital quickly, ensuring that loans reach the right subjects, promptly and effectively, contributing to promoting the development of education and training in the area, bringing the Government's capital to effective use in real life.
In the coming time , the unit will continue to closely coordinate with schools, local authorities, departments, functional units, entrusted socio -political organizations and the Management Board of Savings and Loan Groups to promote the dissemination of this loan program to the people, helping beneficiaries clearly understand the conditions and procedures for borrowing capital to access capital quickly, ensuring that loans reach the right subjects, promptly and effectively, contributing to promoting the development of education and training in the area, bringing the Government's capital to effective use in real life.
Source: https://dongnai.gov.vn/vi/news/tin-dia-phuong/von-vay-uu-dai-giup-hoc-sinh-sinh-vien-nganh-stem-co-them-co-hoi-hoc-tap-voi-su-dong-hanh-cua-chinh-phu-56086.html
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