Working Capital Loans
- Preferential interest rates from 0.55% per month
- Loan limit of up to VND 50 billion
- No business registration required
MSB Digital Bank
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Vietnam Maritime Commercial Joint Stock Bank
54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam
What makes it special?
Loans of up to VND 10 billion
Financing up to 90% of funding needs
Flexible seasonal rollover by production cycle
Product information
MSB Agricultural Development Loan is a financing solution designed for customers seeking additional capital to support seasonal farming operations or invest in expanding their agricultural production activities.
FINANCING SOLUTIONS FOR DIFFERENT AGRICULTURAL NEEDS
- Seasonal Agricultural Production: Financing of up to 90% of capital requirements, with a maximum loan amount of VND 3 billion and a loan tenor of up to 36 months. Applicable to the purchase of seeds, fertilizers, animal feed, and expenses related to crop cultivation and livestock care.
- Perennial Crop Investment: Financing of up to 90% of capital requirements, with a maximum loan amount of VND 3 billion and a loan tenor of up to 60 months. Applicable to initial investment, planting, maintenance, and replanting of perennial crops.
- Machinery and Equipment Investment: Financing of up to 70% of capital requirements, with a maximum loan amount of VND 10 billion and a loan tenor of up to 84 months.
- Agricultural Land Purchase: Financing of up to 70% of capital requirements, with a maximum loan amount of VND 10 billion and a loan tenor of up to 240 months.
FLEXIBLE LOAN REPAYMENT OPTIONS
- Harvest-Aligned Repayment: Flexible principal repayment schedules tailored to agricultural production cycles and harvest periods.
- Principal Grace Period of Up to 24 Months: Helps ease initial principal repayment obligations for loans financing the planting, maintenance, and replanting of perennial crops, as well as agricultural land purchases.
- Flexible Seasonal Loan Rollover: Supports continued access to financing for subsequent crop seasons, helping customers maintain uninterrupted agricultural operations, subject to MSB’s eligibility requirements.
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Frequently Asked Questions
Learn MoreWho can apply for an MSB Agricultural Development Loan?
28/10/2026
Vietnamese citizens aged 20 to 70 with at least 2 years of agricultural production experience who operate in an MSB coverage area may apply. Applicants must also meet the requirements relating to income, cultivation activities and credit history. MSB specialists will guide customers through the application and assessment process.
What is the maximum agricultural development loan amount?
28/10/2026
The loan amount depends on the intended use of funds. For seasonal production, seeds, fertiliser and crop or livestock care, MSB finances up to 90% of funding needs, capped at VND 3 billion. For machinery, equipment or additional farmland, financing may cover up to 70% of funding needs, capped at VND 10 billion.
What is a seasonal rollover and how can I request one?
28/10/2026
A seasonal rollover allows customers to request continued use of an existing loan for the next production cycle without repaying principal and taking out a new loan, subject to MSB’s approval.
Can agricultural land be used as collateral?
28/10/2026
Yes. MSB may accept rice fields, orchards, aquaculture land or land used for livestock farming as collateral if the land covers at least 1,000 m², has road access and is located within 50 km of an MSB branch.
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