{"id":260,"date":"2017-12-07T03:07:12","date_gmt":"2017-12-07T03:07:12","guid":{"rendered":"http:\/\/www.tymfund.org.vn\/?page_id=260"},"modified":"2026-05-05T11:07:56","modified_gmt":"2026-05-05T04:07:56","slug":"financial-services","status":"publish","type":"page","link":"https:\/\/tymfund.org.vn\/en\/our-work\/financial-services\/","title":{"rendered":"Financial Services"},"content":{"rendered":"<p><strong>TARGET CLIENTS<\/strong><\/p>\n<p>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.<\/p>\n<p>Eligible clients must fall into one of the following categories:<\/p>\n<ul class=\"styled-ul\">\n<li>Poor households, near-poor households, and individuals belonging to such households as defined by the Government;<\/li>\n<li>Low-income individuals, including:\n<ul class=\"styled-ul\">\n<li>Contract-based workers in urban areas earning no more than VND 9 million per month;<\/li>\n<li>Contract-based workers in rural areas earning no more than VND 7 million per month;<\/li>\n<li>Informal workers in urban and rural areas earning no more than VND 9 million and VND 7 million per month respectively;<\/li>\n<\/ul>\n<\/li>\n<li>Low-income households;<\/li>\n<li>Micro-enterprises.<\/li>\n<\/ul>\n<p>In addition, organizations and individuals (aged 15 and above) may participate in certain deposit products at TYM in accordance with regulations.<\/p>\n<p><strong>LOANS<\/strong><\/p>\n<p><strong>Advantages of TYM Loan Products:<\/strong><\/p>\n<ul class=\"styled-ul\">\n<li>No collateral required;<\/li>\n<li>Diverse and flexible loan products;<\/li>\n<li>Stable and long-term funding source;<\/li>\n<li>Repayment in small installments on a weekly, four-weekly, or monthly basis;<\/li>\n<li>Simple, fast, and convenient loan and repayment procedures.<\/li>\n<\/ul>\n<p>Currently, TYM\u2019s 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)\u00a0 (Interest rates effective from 27 October 2024).<\/p>\n<p>TYM\u2019s Credit Agreement \/ Promissory Note<\/p>\n\n<table class=\" alignleft\" style=\"height: 1700px; width: 1000px;\" width=\"1000\">\n<thead>\n<tr style=\"background-color: #f09c4a;\">\n<td style=\"width: 380px; height: 10px;\" colspan=\"8\">\n<h3 style=\"text-align: center;\"><strong>Micro-loans\u00a0<\/strong><\/h3>\n<p style=\"text-align: center;\">(from VND 1- 50 million)<\/p>\n<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 119px;\">\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>\u00a0Policy loan <\/strong><\/td>\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>\u00a0Loan to support near-poor households<\/strong><\/td>\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>\u00a0Economic development loan <\/strong><\/td>\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>Multi-purpose loan <\/strong><\/td>\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>Housing loan<\/strong><\/td>\n<td style=\"width: 10px; text-align: center; height: 119px;\"><strong>Loan for disaster risk recovery<\/strong><\/td>\n<td style=\"width: 86px; text-align: center; height: 119px;\"><strong>Loan supporting members affected by the epidemic<\/strong><strong>\u00a0<\/strong><\/td>\n<td style=\"width: 234px; text-align: center; height: 119px;\"><strong>Salary Based Loan\u00a0<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 1128px;\">\n<td style=\"width: 10px; height: 1128px;\">&#8211; Poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Disabled women;<\/p>\n<p>-Women with HIV or women whose husband or children with HIV<\/p>\n<p>&nbsp;<\/td>\n<td style=\"width: 10px; height: 1128px;\">Near &#8211; poor households according to the Government\u2019s regulations;<\/td>\n<td style=\"width: 10px; height: 1128px;\">&#8211; Poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Disabled women;<\/p>\n<p>-Women with HIV or women whose husband or children with HIV;<\/p>\n<p>&#8211; Near &#8211; poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Low-income households (with the average amount of income per person below the average amount of income announced by the Government)<\/td>\n<td style=\"width: 10px; height: 1128px;\">&#8211; Poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Disabled women;<\/p>\n<p>-Women with HIV or women whose husband or children with HIV;<\/p>\n<p>&#8211; Near &#8211; poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Low-income households (with the average amount of income per person below the average amount of income announced by the Government)<\/td>\n<td style=\"width: 10px; height: 1128px;\">&#8211; Poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Disabled women;<\/p>\n<p>-Women with HIV or women whose husband or children with HIV;<\/p>\n<p>&#8211; Near &#8211; poor households according to the Government\u2019s regulations;<\/p>\n<p>&#8211; Low-income households (with the average amount of income per person below the average amount of income announced by the Government)<\/td>\n<td style=\"width: 10px; height: 1128px;\">Clients affected by natural calamities and lost VND 20 million or more or having member in the family died, lost, injured<\/td>\n<td style=\"width: 86px; height: 1128px;\">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.<br \/>\nF0, F1 members have been cured of Covid-19 in the areas not covered by the above regulations<\/td>\n<td style=\"width: 234px; height: 1128px;\">Members are civil servants \/ officers, workers \/ employees in public administrative offices \/ businesses<\/td>\n<\/tr>\n<tr style=\"height: 352px;\">\n<td style=\"width: 10px; height: 352px;\">50 weeks for every week repayment loan<\/p>\n<p>24\/52\/72\/100 weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 10px; height: 352px;\">50 weeks for every week repayment loan<\/p>\n<p>24\/52\/72\/100\u00a0weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 10px; height: 352px;\">50 weeks for every week repayment loan<\/p>\n<p>24\/52\/72\/100 weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 10px; height: 352px;\">-25\/40 weeks for every week repayment loan<\/p>\n<p>&#8211; 24\/52\/72\/100 weeks for every 4 week repayment loan<\/p>\n<p>&nbsp;<\/td>\n<td style=\"width: 10px; height: 352px;\">70\/100 weeks for every week repayment loan<\/p>\n<p>72\/100 weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 10px; height: 352px;\">50 weeks for every week repayment loan<\/p>\n<p>52 weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 86px; height: 352px;\">25\/50 weeks for every week repayment loan<\/p>\n<p>24\/52 weeks for every 4 week repayment loan<\/td>\n<td style=\"width: 234px; height: 352px;\">01-month instalment<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<p><strong>Loan documents include:<\/strong><\/p>\n<p style=\"text-align: justify;\">\u2022 Loan application<br \/>\n\u2022 Credit assessment table<br \/>\n\u2022 Credit agreement<br \/>\n\u2022 TYM\u2019s form on the causes of disaster on the member\u2019s family verified by the local government<\/p>\n<p><strong>SAVINGS<\/strong><\/p>\n<p><strong>Key Features of TYM Savings products:<\/strong><\/p>\n<ul class=\"styled-ul\">\n<li>Diverse product offerings;<\/li>\n<li>Competitive interest rates;<\/li>\n<li>Easy, safe, and convenient deposits and withdrawals;<\/li>\n<li>Clients may make small, regular savings contributions;<\/li>\n<li>Deposits are insured in accordance with the Law on Deposit Insurance.<\/li>\n<li>Savings Deposits for Individual Clients (Interest rates effective from 19 November 2025). Certain TYM branches may apply specific rates.<\/li>\n<li>Early withdrawal interest rate: 2% per annum<\/li>\n<\/ul>\n<p><strong>Term Savings for Organizations<\/strong><\/p>\n<p>(Interest rates effective from 19 November 2025)<\/p>\n<ul class=\"styled-ul\">\n<li>1-month term: 5% per annum<\/li>\n<li>3-month term: 9% per annum<\/li>\n<li>6-month term: 8% per annum<\/li>\n<li>12-month term: 1% per annum<\/li>\n<li>Early withdrawal interest rate: 2% per annum<\/li>\n<\/ul>\n<p><strong><em><u>\u00a0For individuals<\/u><\/em><\/strong><\/p>\n<table style=\"height: 20px;\" width=\"1100\">\n<thead>\n<tr>\n<td style=\"text-align: center; width: 223px;\">\n<h3><strong>Compulsory savings<\/strong><\/h3>\n<\/td>\n<td style=\"text-align: center; width: 327px;\">\n<h3><strong>Voluntary savings (non-term)<\/strong><\/h3>\n<\/td>\n<td style=\"width: 329px;\">\n<h3 style=\"text-align: center;\"><strong>Term deposits<\/strong><\/h3>\n<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 223px;\" width=\"100\">Exclusively for clients with outstanding loans at TYM<\/td>\n<td style=\"width: 327px;\" width=\"100\">Individuals wishing to save money at TYM<\/td>\n<td style=\"width: 329px;\">Individuals wishing to save money at TYM<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 223px;\" width=\"177\">Savings from 0.5% of the loan amount<\/td>\n<td style=\"width: 327px;\" width=\"187\">Based on individual needs<\/td>\n<td style=\"width: 329px;\" width=\"228\">Starting from VND 500,000 per account<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 223px;\"><strong><em>Interest rate<\/em><\/strong><\/p>\n<p>0.2%\/year<\/td>\n<td style=\"width: 327px;\"><strong><em>Interest rate<\/em><\/strong><\/p>\n<p>0.2%\/year<\/td>\n<td style=\"width: 329px; height: 251px;\">\n<table style=\"width: 335px; height: 251px;\" cellspacing=\"0\" cellpadding=\"1px\" align=\"center\">\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 145px; height: 24px;\"><\/td>\n<td style=\"width: 179px; height: 24px; text-align: center;\"><strong>Under 300 million VND\/a deposit<\/strong><\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\"><strong>From 300 million VND\/a deposit<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 10px; width: 145px;\">1 month<\/td>\n<td style=\"height: 10px; width: 179px; text-align: center;\">4.00%<\/td>\n<td style=\"width: 214px; height: 10px; text-align: center;\">4.50%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 145px;\">3 months<\/td>\n<td style=\"height: 24px; width: 179px; text-align: center;\">5.00%<\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\">5.25%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 145px;\">6 months<\/td>\n<td style=\"height: 24px; width: 179px; text-align: center;\">6.50%<\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\">7.00%<\/td>\n<\/tr>\n<tr style=\"height: 30px;\">\n<td style=\"width: 145px; height: 10px;\">8 months<\/td>\n<td style=\"width: 179px; height: 10px; text-align: center;\">5.50%<\/td>\n<td style=\"width: 214px; height: 10px; text-align: center;\">6.00%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 145px;\">9 months<\/td>\n<td style=\"height: 24px; width: 179px; text-align: center;\">5.00%<\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\">5.50%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 145px;\">12 months<\/td>\n<td style=\"height: 24px; width: 179px; text-align: center;\">6.00%<\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\">6.50%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 145px; height: 10px;\">13 months<\/td>\n<td style=\"width: 179px; height: 10px; text-align: center;\">6.00%<\/td>\n<td style=\"width: 214px; height: 10px; text-align: center;\">6.50%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px; width: 145px;\">18 months<\/td>\n<td style=\"height: 24px; width: 179px; text-align: center;\">6.50%<\/td>\n<td style=\"width: 214px; height: 24px; text-align: center;\">7.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b style=\"text-align: justify;\"><i>(*)TYM Members <\/i><\/b><i style=\"text-align: justify;\">are those clients who commit to participate in all of TYM\u2019s services such as loans, savings, family mutual assistance and to follow TYM\u2019s rules and regulations.<\/i><\/p>\n<p style=\"text-align: justify;\"><strong><em><u>\u00a0For organization<\/u><\/em><\/strong><\/p>\n<table style=\"height: 120px;\">\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\" width=\"198\"><strong>Term<\/strong><\/td>\n<td style=\"height: 24px;\" width=\"208\"><strong>Interest Rate<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\" width=\"198\">1 month<\/td>\n<td style=\"height: 24px;\" width=\"208\">1.5%\/p.a<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\" width=\"198\">3 months<\/td>\n<td style=\"height: 24px;\" width=\"208\">1.9%\/p.a<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\" width=\"198\">6 months<\/td>\n<td style=\"height: 24px;\" width=\"208\">2.8%\/p.a<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\" width=\"198\">12 months<\/td>\n<td style=\"height: 24px;\" width=\"208\">4.1%\/p.a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":131,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-260","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/pages\/260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/comments?post=260"}],"version-history":[{"count":72,"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/pages\/260\/revisions"}],"predecessor-version":[{"id":12106,"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/pages\/260\/revisions\/12106"}],"up":[{"embeddable":true,"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/pages\/131"}],"wp:attachment":[{"href":"https:\/\/tymfund.org.vn\/en\/wp-json\/wp\/v2\/media?parent=260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}