Ho Chi Minh City proposes to support loans of 300 million VND for cadres after rearrangement

The Ho Chi Minh City People's Committee has just submitted a proposal to support loans to create jobs for officials, civil servants, public employees, part-time workers, and workers who quit their jobs after restructuring the apparatus in Ho Chi Minh City.

Hundreds of officials, civil servants and public employees need loans

According to the Ho Chi Minh City People's Committee, streamlining the organizational structure and administrative units helps the political apparatus operate more effectively and efficiently.

However, this process also creates challenges, especially the issue of resolving policies and regimes for cadres, civil servants, public employees, part-time workers and workers who have to quit their jobs.

This is a group of people who have worked in the public sector for many years and need time and resources to change careers and adapt to the labor market.

Civil servants (HCMC) receive and process administrative procedures for people. Photo: THU HUONG

In practice, in addition to policies on streamlining payroll and supporting layoffs according to current regulations, many people still face difficulties in stabilizing their lives. Therefore, the People's Committee of Ho Chi Minh City believes that issuing a policy to support loans for job creation is necessary, both to ensure social security and to encourage the spirit, creating conditions for workers to quickly reintegrate into the job market.

Through screening, by the end of July, of the 1,714 survey participants, 575 people were in need of loans to solve employment problems; 457 people wanted to be consulted and connected to jobs. Of those in need of loans, 486 were working (including 198 civil servants, 126 officials, 162 other workers) and 89 people had quit their jobs.

Loan needs are mainly focused on small businesses, opening service stores, transportation, personal services (food, clothing, nail, hair washing, massage...), small-scale livestock farming and household agricultural models.

Therefore, the Ho Chi Minh City People's Committee proposed to support a maximum loan of 300 million VND/person; the specific loan amount will be considered by the Social Policy Bank - Ho Chi Minh City Branch based on demand, debt repayment ability and capital source.

Loan form: unsecured, confirmed by the People's Committee of the commune with a maximum loan term of 120 months; specifically according to the agreement between the bank and the borrower.

Interest rate is equal to the lending rate for poor households (currently 6.6%/year); overdue debt is equal to 130% of the lending rate. Process and procedures are implemented according to current regulations of the Social Policy Bank and the People's Committee of Ho Chi Minh City.

Based on Decree No. 156 of the Government stipulating the maximum loan amount for individuals and households is 300 million VND and the survey results, the People's Committee of Ho Chi Minh City plans to support loans for 575 people in the first year. The total estimated cost is 172.5 billion VND.

In the following years, the Ho Chi Minh City People 's Committee assigned the Department of Home Affairs to preside over and coordinate with the Department of Agriculture and Environment, the Department of Finance, the Social Policy Bank Branch and the Commune People's Committees to continue to survey the demand for loans and estimate the annual budget to submit to the Ho Chi Minh City People's Council to arrange capital according to the public investment plan.

Officials handle administrative procedures for people

Spending more than 45 billion VND to support vocational training for officials who quit their jobs after reorganization

In parallel with the loan support policy, the Ho Chi Minh City People's Committee has a proposal for a vocational training support policy for those who have quit their jobs due to the process of restructuring the apparatus.

The goal is to promptly support career transition, help employees reduce anxiety and disorientation after leaving their jobs, and at the same time clearly demonstrate humanity in state management, creating consensus for the policy of streamlining the apparatus. The policy also contributes to improving the quality of human resources, promoting the spirit of entrepreneurship and limiting the risk of local unemployment, thereby stabilizing society and developing the economy.

Specifically, the Ho Chi Minh City People's Committee proposed that retired officials, civil servants, public employees, and non-professional workers who want to learn a trade will be accepted at vocational training institutions for elementary level training or training courses of less than 3 months.

The city budget will cover all training costs for vocational training institutions at a maximum of 12 months of basic salary/person/course, including tuition, food expenses of VND 30,000/person/day of actual study and travel support of VND 200,000/person/course if the training location is 15km or more from the place of residence.

The survey results conducted by the Ho Chi Minh City Department of Education and Training in 168 wards, communes, and special zones from July 16 to August 14 showed that 6,970 people participated, of which 1,612 people (accounting for 23.13%) were in need of vocational training support. Notably, women accounted for 73.39% and the group under 45 years old accounted for 67.68%.

Based on the number of 1,612 people in need, the city budget plans to spend a maximum of 45.26 billion VND in support, equivalent to the value of 12 months of basic salary at present.

The Ho Chi Minh City People's Committee emphasized that this policy not only solves the immediate career needs of retired officials, civil servants and public employees, but is also a long-term solution to promote labor resources, creating a foundation for the administrative reform process and streamlining the State apparatus in an effective and sustainable manner.

Proposal to support housing rent for more than 2,200 officials and civil servants

The Ho Chi Minh City People's Committee has a document proposing a policy to support housing rental for officials, civil servants, public employees and workers affected by the arrangement of provincial administrative units.

According to statistics up to August 18, 2025, the total demand for public housing in Ho Chi Minh City after the province merger is 1,410 cases; the demand for housing rental support is 1,111 cases. Of which, there are 230 cases requesting both public housing arrangement and financial support if there is no housing. Thus, the total number of cases needing consideration for financial support is 2,291 people.

While Ho Chi Minh City currently has only 69 apartments allocated as official housing, this number is not enough to meet the actual demand arising after the apparatus reorganization. New investment or conversion of resettlement housing funds takes a lot of time, so the Ho Chi Minh City People's Committee proposed applying a temporary rental support policy.

Specific support levels:

- 10.4 million VND/person/month for cadres with a position allowance coefficient of 0.9 or higher.

- 8 million VND/person/month for cadres with position allowance coefficient from 0.7 to under 0.9.

- 4.8 million VND/person/month for staff with coefficient below 0.7, no coefficient and employees.

The support policy is applied from July 1, 2025 until officials, civil servants and public employees are arranged official housing or until June 30, 2027. The implementation funding is taken from the regular expenditure source of the Ho Chi Minh City budget.

CAM NUONG - THU HUONG

Source: https://www.sggp.org.vn/tphcm-de-xuat-ho-tro-vay-von-300-trieu-dong-cho-can-bo-sau-sap-xep-post810457.html