According to the report of the Ho Chi Minh City Statistical Office, in the first quarter of 2025, 23,590 applications for unemployment benefits were received. Many of them have difficulty paying basic expenses such as rent, electricity, water, tuition, etc., but are not eligible to access traditional consumer credit products due to lack of income or inappropriate documents.
Understanding these difficulties, HCM Post and PVcomBank have launched the "Support Package for Workers in the Social Security Network" to provide legal financial resources, preferential interest rates, simple procedures and in line with the characteristics of the unemployed labor group, helping them quickly overcome difficulties to return to the labor market and still retain the process of paying Social Insurance. Accordingly, customers can access 04 products serving workers including: customers who are old enough to retire but have less than a year of contribution; customers who are close to retirement age; customers who are temporarily suspended from social insurance and have a sponsor; customers who are temporarily suspended from social insurance (SI) and have no sponsor.
Through these 4 products, people can access financial support to pay social insurance or consume individuals and families; principal grace period up to 6 months; credit term up to 84 months; at the same time, no conditions on minimum wage, minimum income, guaranteed assets are required...
According to Mr. Thach Tri Dung, Customer of District 8, Ho Chi Minh City, "This loan not only helps me keep my social insurance benefits in the future, but also gives me more motivation to return to the labor market soon. I pledge to use the loan for the right purpose, try to stabilize my life and continue to participate in social insurance regularly to ensure security for the future of myself and my family.
This is considered a suitable choice for employees, with many incentives for credit products without guaranteed assets, helping employees maintain the number of years of social insurance contributions. Thereby, they can enjoy full pension and health insurance (HI) policies in the future.
Representative of Ho Chi Minh Post Office, Mr. Nguyen Nhu Thuan - Director of HCM Post said: "Workers play an important role in socio-economic development but also often face many financial difficulties. We hope that this product will be a solid financial support and accompany workers to overcome difficult times. Through this cooperation, HCM Post continues to demonstrate deep social responsibility, contributing to stabilizing social security in the city".
Representing PVcomBank, Mr. Nguyen Quang Trung - Deputy Director of Personal Customers also emphasized that: "The product is designed with simple procedures, quick approval time and flexible conditions, helping workers easily access official loans for consumption or continue to pay voluntary social insurance. In particular, PVcomBank offers health insurance throughout the loan period to comprehensively accompany customers. We hope that with this practical support, workers will feel more secure, gradually overcome financial difficulties and stabilize their lives in the long term.
Customers can submit their documents directly at HCM Post transaction points or at PVcomBank for specific advice. For cases that have reached retirement age but have not yet participated in social insurance, they can complete voluntary social insurance contributions for all remaining years, and receive pensions and health insurance in the following month through a payment account opened at PVcomBank.
