TARGET CLIENTS
Women who wish to access loans at TYM, aged from 18 to 65 at the time of first joining TYM, who have full legal capacity, possess permanent residence registration or long-term temporary residence registration in the locality, and voluntarily participate in TYM.
Eligible clients must fall into one of the following categories:
- Poor households, near-poor households, and individuals belonging to such households as defined by the Government;
- Low-income individuals, including:
- Contract-based workers in urban areas earning no more than VND 9 million per month;
- Contract-based workers in rural areas earning no more than VND 7 million per month;
- Informal workers in urban and rural areas earning no more than VND 9 million and VND 7 million per month respectively;
- Low-income households;
- Micro-enterprises.
In addition, organizations and individuals (aged 15 and above) may participate in certain deposit products at TYM in accordance with regulations.
LOANS
Advantages of TYM Loan Products:
- No collateral required;
- Diverse and flexible loan products;
- Stable and long-term funding source;
- Repayment in small installments on a weekly, four-weekly, or monthly basis;
- Simple, fast, and convenient loan and repayment procedures.
Currently, TYM’s lending interest rates range from: 0.07% to 0.17% per week (for weekly repayments); and 0.28% to 0.68% per four-week period or per month (for four-weekly or monthly repayments) (Interest rates effective from 27 October 2024).
TYM’s Credit Agreement / Promissory Note
Micro-loans(from VND 1- 50 million) |
|||||||
| Policy loan | Loan to support near-poor households | Economic development loan | Multi-purpose loan | Housing loan | Loan for disaster risk recovery | Loan supporting members affected by the epidemic | Salary Based Loan |
| – Poor households according to the Government’s regulations;
– Disabled women; -Women with HIV or women whose husband or children with HIV
|
Near – poor households according to the Government’s regulations; | – Poor households according to the Government’s regulations;
– Disabled women; -Women with HIV or women whose husband or children with HIV; – Near – poor households according to the Government’s regulations; – Low-income households (with the average amount of income per person below the average amount of income announced by the Government) |
– Poor households according to the Government’s regulations;
– Disabled women; -Women with HIV or women whose husband or children with HIV; – Near – poor households according to the Government’s regulations; – Low-income households (with the average amount of income per person below the average amount of income announced by the Government) |
– Poor households according to the Government’s regulations;
– Disabled women; -Women with HIV or women whose husband or children with HIV; – Near – poor households according to the Government’s regulations; – Low-income households (with the average amount of income per person below the average amount of income announced by the Government) |
Clients affected by natural calamities and lost VND 20 million or more or having member in the family died, lost, injured | Members of localities that have been taking measures to prevent and control the Covid-19 epidemic according to Directive 16/CT-TTg or at levels 3 and 4 according to Resolution 128/NQ-CP dated 11/20/ 2021 or higher epidemic prevention measures than Directive 16/CT-TTg/ higher than levels 3 and 4 of Resolution 128/NQ-CP for 14 consecutive days or more. F0, F1 members have been cured of Covid-19 in the areas not covered by the above regulations |
Members are civil servants / officers, workers / employees in public administrative offices / businesses |
| 50 weeks for every week repayment loan
24/52/72/100 weeks for every 4 week repayment loan |
50 weeks for every week repayment loan
24/52/72/100 weeks for every 4 week repayment loan |
50 weeks for every week repayment loan
24/52/72/100 weeks for every 4 week repayment loan |
-25/40 weeks for every week repayment loan
– 24/52/72/100 weeks for every 4 week repayment loan
|
70/100 weeks for every week repayment loan
72/100 weeks for every 4 week repayment loan |
50 weeks for every week repayment loan
52 weeks for every 4 week repayment loan |
25/50 weeks for every week repayment loan
24/52 weeks for every 4 week repayment loan |
01-month instalment |
Loan documents include:
• Loan application
• Credit assessment table
• Credit agreement
• TYM’s form on the causes of disaster on the member’s family verified by the local government
SAVINGS
Key Features of TYM Savings products:
- Diverse product offerings;
- Competitive interest rates;
- Easy, safe, and convenient deposits and withdrawals;
- Clients may make small, regular savings contributions;
- Deposits are insured in accordance with the Law on Deposit Insurance.
- Savings Deposits for Individual Clients (Interest rates effective from 19 November 2025). Certain TYM branches may apply specific rates.
- Early withdrawal interest rate: 2% per annum
Term Savings for Organizations
(Interest rates effective from 19 November 2025)
- 1-month term: 5% per annum
- 3-month term: 9% per annum
- 6-month term: 8% per annum
- 12-month term: 1% per annum
- Early withdrawal interest rate: 2% per annum
For individuals
Compulsory savings |
Voluntary savings (non-term) |
Term deposits |
|||||||||||||||||||||||||||
| Exclusively for clients with outstanding loans at TYM | Individuals wishing to save money at TYM | Individuals wishing to save money at TYM | |||||||||||||||||||||||||||
| Savings from 0.5% of the loan amount | Based on individual needs | Starting from VND 500,000 per account | |||||||||||||||||||||||||||
| Interest rate
0.2%/year |
Interest rate
0.2%/year |
|
(*)TYM Members are those clients who commit to participate in all of TYM’s services such as loans, savings, family mutual assistance and to follow TYM’s rules and regulations.
For organization
| Term | Interest Rate |
| 1 month | 1.5%/p.a |
| 3 months | 1.9%/p.a |
| 6 months | 2.8%/p.a |
| 12 months | 4.1%/p.a |