Definition

Hoãn nợ is a Vietnamese compound noun. It refers to the formal act of postponing or deferring the payment of a debt. It is an official agreement or legal measure where a creditor allows a debtor more time to repay the owed money, often under specific conditions.

Usage

Hoãn nợ is used as a noun. It describes the state or arrangement of a deferred payment. - It is commonly used in financial, legal, and business contexts. - It often appears in official documents, news about economics, or discussions between lenders and borrowers.

Examples

• Công ty đã đạt được thỏa thuận hoãn nợ với các ngân hàng.
• Chính phủ ban hành chính sách hoãn nợ cho các doanh nghiệp bị ảnh hưởng bởi dịch bệnh.
• Người vay có thể xin hoãn nợ nếu gặp khó khăn tài chính.

Advanced Usage

• Gia hạn và hoãn nợ: This phrase combines "extension" and "deferral," often used in contracts to describe terms for prolonging the loan period and postponing payments.
• Đơn xin hoãn nợ: Refers to the formal "application for debt deferral" that a debtor submits to a creditor.

Variants and Related Words

• Ân hạn nợ / Gia hạn nợ: These are close synonyms. Ân hạn nợ implies a grace period or forbearance, while gia hạn nợ focuses on extending the loan term. Both can be used similarly to hoãn nợ in many contexts.
• Tạm hoãn trả nợ: A more descriptive phrase meaning "temporarily postpone debt repayment."
• Moratorium (English): The direct equivalent term in English, often used in international finance and law.
• Debt deferral / Payment deferral (English): Common English translations.

Synonyms

• Trì hoãn thanh toán: To delay payment. (This is more of a verbal phrase than a formal noun like hoãn nợ).
• Tạm ngừng trả nợ: To temporarily suspend debt repayment.

Important Note

Hoãn nợ is a specific financial/legal term. It is different from xóa nợ (debt forgiveness/cancellation) or giảm nợ (debt reduction). Hoãn nợ only delays the payment obligation; the debt still exists and must be repaid later.

1. (luật) Moratory
   • Lệnh hoãn nợ
     Moratorium