Loans that must be registered with the State Bank include: 1. Medium and long-term foreign loans. 2. Short-term loans may have their principal repayment period extended for which the total term of the loan is over 01 year. 3. Short-term loans without an extension agreement but with outstanding principal balance (including principally entered interest) at the full date of 01 year from the date of first capital withdrawal, unless the borrower completes payment pay the above principal balance within 30 working days 01 year from the date of the first withdrawal of capital. (Before 14/11/2022 Circular 03/2016/TT-NHNN stipulates: unless the borrower completes the loan repayment for a period of 10 (ten) days 01 (one) year from the date of first capital withdrawal).