Decision 44/2026/QD-TTg amend Decision 22/2023/QD-TTg credit for persons completely served their imprisonment sentences

DECISION

Amending and supplementing a number of articles of the Prime Minister's Decision No. 22/2023/QD-TTg dated August 17, 2023, on credit for persons who have completely served their imprisonment sentences

Pursuant to the Law on Organization of the Government No. 63/2025/QH15;

Pursuant to the Law on Public Investment No. 58/2024/QH15, as amended and supplemented by Law No. 90/2025/QH15;

Pursuant to the Law on Execution of Criminal Judgments No. 127/2025/QH15;

Pursuant to the Government's Decree No. 78/2002/ND-CP on credit for the poor and other social policy beneficiaries;

Pursuant to the Government's Decree No. 247/2026/ND-CP detailing the implementation of the Law on Execution of Criminal Judgments regarding community reintegration;

At the proposal of the Minister of Public Security;

The Prime Minister promulgates the Decision amending and supplementing a number of articles of Decision No. 22/2023/QD-TTg dated August 17, 2023 of the Prime Minister on credit for persons who have completely served their imprisonment sentences.

Article 1. Amending and supplementing a number of articles of the Prime Minister’s Decision No. 22/2023/QD-TTg dated August 17, 2023, on credit for persons who have completely served their imprisonment sentences as follows:

1. To amend and supplement Article 1 as follows:

“Article 1. Scope of regulation

This Decision provides for credit policies applicable to persons who have completely served their imprisonment sentences, and production and business establishments that employ persons having completely served their imprisonment sentences and are eligible for loans from the Vietnam Bank for Social Policies, including:

1. Persons having completely served their imprisonment sentences may borrow loans for vocational training, production, business, job creation, and for going to work abroad under contracts;

2. Production and business establishments employing persons who have completely served their imprisonment sentences may borrow capital for production, business and job creation.”

2. To amend and supplement Article 3 as follows:

a) To amend Point a, Clause 2, Article 3 as follows:

“a) For persons who have completely served their imprisonment sentences: having the need for borrowing loans; and being named on the lists of persons who have completely served imprisonment sentences, return to hometown for residence, strictly abide by law, and are not involved in social evils; such lists shall be made by commune-level public security offices according to Form No. 01 to this Decision and certified by commune-level People’s Committees. The duration counted from the date of complete serving of an imprisonment sentence to the time of loan borrowing must not exceed 10 years. In case of borrowing for working abroad under contract, the persons having completely served their imprisonment sentences must have signed contracts with service enterprises or non-business units sending workers to work abroad in accordance with law”;

b) To amend and supplement Clause 3, Article 3 as follows:

“3. For a person who has completely served his/her imprisonment sentences or production and business establishment having outstanding loan balance under other credit programs with the same loan use purposes for carrying out vocational training, production and business, and job creation activities, the total outstanding loan balance of such person or production and business establishment under this Decision and other credit programs with the same purpose must not exceed the maximum loan amount prescribed in this Decision.”

3. To amend and supplement Point a, Clause 1, Article 4 as follows:

“1. For persons who have completely served their imprisonment sentences

a) Loans will be provided through eligible persons’ households. Representatives of households of such persons will act as loan borrowers and personally conduct transactions with the Vietnam Bank for Social Policies. In case a household has no member aged full 18 years or older or other household members have no working capacity or full civil act capacity in accordance with law, the person who has completely served his/her imprisonment sentence shall personally carry out loan borrowing transactions with the Vietnam Bank for Social Policies.

Particularly for a person having completely served his/her imprisonment sentence who borrows capital to go abroad for work under a contract, the Vietnam Bank for Social Policies shall apply the method of direct lending to the customer.”

4. To add Clause 3 to Article 5 as follows:

“3. For loans borrowed for working overseas under labor contracts

Expenses that customers are required to pay in advance before going to work overseas as stated in the contract on sending workers to work overseas concluded between the customer and the service enterprise or non-business unit permitted by the State to send Vietnamese workers abroad as guest workers”.

5. To amend and supplement Article 6 as follows:

a) To amend and supplement Clause 1, Article 6 as follows:

“1. For loans for vocational training

The maximum loan amount for a person who has completely served his/her imprisonment sentence is VND 10 million/month.”.

b) To amend and supplement Clause 2, Article 6 as follows:

“2. For loans for production, business, and job creation

a) For a person who has completely served his/her imprisonment sentence: The maximum loan amount is VND 100 million;

b) For production and business establishments: The maximum loan amount is VND 10 billion/project and must not exceed VND 200 million/employee;

c) Persons having completely served their imprisonment sentences and production and business establishments may borrow loans one or more times for production, business, and job creation; however, the total outstanding loan amount must not exceed the maximum amount prescribed at Points a and b of this Clause.”

c) To add Clause 3 to Article 6 as follows:

“3. For loans for working overseas under contracts

The maximum loan amount shall be 100% of the total costs that the customer must pay in advance before working overseas under the contract on sending workers to work overseas concluded between the worker and the service enterprise or public service unit, excluding expenses already supported by the state budget in accordance with regulations.

Based on the source of funds, the total costs that the worker must pay in advance before working overseas, the expenses already supported by the state budget as declared in the loan application dossier, and the debt repayment capacity of the loan borrower, the Vietnam Bank for Social Policies shall agree and reach consensus with the loan borrower to consider and decide the specific loan amount”.

6. To add Clause 3 to Article 8 as follows:

“3. For loans for working overseas under contract

The maximum loan term shall be equal to the term of the contract on sending employees to work overseas, excluding the contract extension period”.

7. To amend and supplement Clause 2, Article 10 as follows:

“Article 10. Loan security

2. For loan amounts exceeding VND 200 million, persons having completely served their imprisonment sentences borrowing loans to work overseas under contracts and production and business establishments employing persons having completely served their imprisonment sentences must provide loan security in accordance with the law and regulations of the Vietnam Bank for Social Policies on security for performance of borrowing-related obligations.”

8. To amend and supplement Article 14 as follows:

“Article 14. Organization of implementation

1. Loan borrowers shall use loans for proper purposes and fully and timely repay the loans to the Vietnam Bank for Social Policies.

2. The Ministry of Public Security shall

a) Direct detention facilities to organize the communication and dissemination of the policies provided in this Decision;

b) Direct local public security departments to coordinate with local departments, sectors and relevant agencies in advising provincial-level People’s Councils and People’s Committees to allocate local budget capital entrusted through the Vietnam Bank for Social Policies for lending to persons having completely served their imprisonment sentences and production and business establishments employing persons having completely served their imprisonment sentences. Closely coordinate with the Vietnam Bank for Social Policies in the process of supervising loan provision and recovery;

c) Direct the commune-level public security offices to, on the 5th of every month, prepare and provide the list of persons who have completely served imprisonment sentences and have demands and are eligible for borrowing loans and are certified by the commune-level People’s Committees (according to Form No. 01 enclosed with this Decision), and send such list to the Vietnam Bank for Social Policies as a basis for loan provision;

d) Assume the prime responsibility for, and coordinate with ministries, sectors, relevant agencies and the Vietnam Bank for Social Policies in, organizing and implementing this Decision; propose the handling of arising issues and obstacles in the course of implementation and the amendment and supplementation of this Decision (if deemed necessary).

3. The Ministry of National Defence shall

Direct detention facilities under the Ministry of National Defence to organize the dissemination of the policies provided in this Decision.

4. Vietnam Bank for Social Policies shall

a) Guide the contents specified in Article 13 of this Decision;

b) Manage, mobilize and use capital sources, and provide loans to the proper subjects under the conditions prescribed in this Decision;

c) Coordinate with ministries and sectors in reporting to competent authorities for the prompt handling of difficulties and obstacles arising in the course of loan provision in accordance with this Decision.

5. Ministries and ministerial-level agencies shall, according to their functions, tasks, and powers, be responsible for coordinating with the Ministry of Public Security, the Ministry of National Defence, and the Vietnam Bank for Social Policies in the course of organizing the implementation of this Decision.

6. Provincial- and commune-level People’s Committees

a) Annually, the provincial-level People’s Committees shall report and propose the provincial-level People’s Councils to consider and decide on the allocation of local budget capital entrusted to the Vietnam Bank for Social Policies in accordance with regulations for lending under this Decision;

b) Direct departments, sectors and relevant units to submit to competent authorities for approval the annual allocation of local budget funds entrusted through the Vietnam Bank for Social Policies for lending;

c) The commune-level People’s Committees shall confirm the eligible beneficiaries and conditions for entitlement to the policy prescribed in Article 3 of this Decision at the request of the commune-level public security offices;

d) Coordinate with the Vietnam Fatherland Front, socio-political organizations and the Vietnam Bank for Social Policies in disseminating policies and organizing and supervising the implementation of this Decision.”

7. To amend Form No. 01 and Form No. 02 to this Decision.

Article 2. Transitional provisions

1. Where a loan borrower has signed a credit contract under Decision No. 22/2023/QD-TTg before the effective date of this Decision, the parties shall continue to implement the terms of the signed credit contract.

2. Where a borrower has received loan under Decision No. 22/2023/QD-TTg, he/she/it may continue to receive loans at the level specified in Clause 5, Article 1 of this Decision if satisfying the eligibility requirements and having borrowing needs.

Article 3. Implementing provisions

1. This Decision takes effect from November 20, 2026.

2. Ministers, Heads of ministerial-level agencies, Chairpersons of the People’s Committees of provinces and cities, the Chairperson of the Board of Directors and the General Director of the Vietnam Bank for Social Policies shall implement this Decision.

For the Prime Minister

Deputy Prime Minister

NGUYEN VAN THANG