{"id":10479,"date":"2020-05-21T09:01:07","date_gmt":"2020-05-21T02:01:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10479"},"modified":"2022-03-03T09:02:53","modified_gmt":"2022-03-03T02:02:53","slug":"3-004-can-tien-nhung-dung-co-vay-cho-lay-duoc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-004-can-tien-nhung-dung-co-vay-cho-lay-duoc\/","title":{"rendered":"3.004. C\u1ea7n ti\u1ec1n nh\u01b0ng \u0111\u1eebng c\u1ed1 vay cho l\u1ea5y \u0111\u01b0\u1ee3c!"},"content":{"rendered":"

(NL\u0110) – T\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m tr\u1ef1c tuy\u1ebfn do Chuy\u00ean trang tr\u00ed th\u1ee9c tr\u1ebb c\u1ee7a B\u00e1o T\u1ed5 qu\u1ed1c t\u1ed5 ch\u1ee9c ng\u00e0y 20\/5, chuy\u00ean gia, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111\u00e3 l\u00e0m r\u00f5 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 th\u1eafc m\u1eafc c\u1ee7a ng\u01b0\u1eddi d\u00e2n li\u00ean quan \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n sao cho an to\u00e0n, hi\u1ec7u qu\u1ea3.<\/strong><\/h4>\n

N\u1ebfu ng\u01b0\u1eddi vay v\u1ed1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu ch\u1ebf t\u00e0i nh\u01b0 tr\u1ea3 l\u00e3i qu\u00e1 h\u1ea1n kh\u00e1 cao; m\u1ea5t t\u00edn nhi\u1ec7m, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng x\u1ea5u, c\u00f3 nguy c\u01a1 kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n trong c\u1ea3 h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Th\u1eadm ch\u00ed, c\u00f3 d\u1ea5u hi\u1ec7u chi\u1ebfm \u0111o\u1ea1t kho\u1ea3n ti\u1ec1n vay nh\u01b0 gian d\u1ed1i, c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 n\u1ee3 th\u00ec c\u00f2n c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n

PV: C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng hi\u1ec7n nay \u0111\u01b0\u1ee3c cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau th\u01b0a lu\u1eadt s\u01b0?<\/em><\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong>\u00a0Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n m\u1ee9c l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a, tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p cho vay ng\u1eafn h\u1ea1n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 5 \u2013 6% \u0111\u1ed1i v\u1edbi 5 l\u0129nh v\u1ef1c nh\u01b0 ph\u1ee5c v\u1ee5 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u; doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba; ph\u00e1t tri\u1ec3n c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3 v\u00e0 doanh nghi\u1ec7p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 13 v\u1ec1 “L\u00e3i su\u1ea5t cho vay “, Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN ng\u00e0y 30-12-2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN “Quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a TCTD, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng”.<\/p>\n

\u0110\u1ed1i v\u1edbi cho vay b\u00ean ngo\u00e0i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay v\u1edbi l\u00e3i su\u1ea5t kh\u00f4ng qu\u00e1 20%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. N\u1ebfu cho vay l\u00e3i cao h\u01a1n, c\u1ed9ng v\u1edbi m\u1ed9t v\u00e0i d\u1ea5u hi\u1ec7u ph\u1ea1m ph\u00e1p kh\u00e1c th\u00ec b\u1ecb coi l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

C\u00f2n cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 100%\/n\u0103m tr\u1edf l\u00ean, c\u00f9ng v\u1edbi vi\u1ec7c thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec s\u1ebd ph\u1ea1m “T\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1 ” theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

Ng\u01b0\u1eddi \u0111i vay v\u1ed1n c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ec khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng? N\u1ebfu vay v\u1ed1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 s\u1ebd th\u1ebf n\u00e0o?<\/em><\/strong><\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi qu\u00ean \u0111i tri\u1ebft l\u00fd mang t\u00ednh nguy\u00ean t\u1eafc b\u1eaft bu\u1ed9c l\u00e0 c\u00f3 vay c\u00f3 tr\u1ea3, \u0111\u00f4i khi c\u1ee9 mu\u1ed1n vay l\u1ea5y \u0111\u01b0\u1ee3c m\u00e0 kh\u00f4ng ngh\u0129 \u0111\u1ebfn vi\u1ec7c ph\u1ea3i tr\u1ea3 v\u00e0 l\u1ea5y g\u00ec \u0111\u1ec3 tr\u1ea3 n\u1ee3. N\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u. Khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n th\u00ec ngh\u0129a v\u1ee5 quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i tr\u1ea3 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang h\u1ea1n.<\/p>\n

N\u1ebfu ng\u01b0\u1eddi vay v\u1ed1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu ch\u1ebf t\u00e0i nh\u01b0 tr\u1ea3 l\u00e3i qu\u00e1 h\u1ea1n kh\u00e1 cao; m\u1ea5t t\u00edn nhi\u1ec7m, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng x\u1ea5u, c\u00f3 nguy c\u01a1 kh\u00f4ng \u0111\u01b0\u1ee3c vay v\u1ed1n trong c\u1ea3 h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Th\u1eadm ch\u00ed, c\u00f3 d\u1ea5u hi\u1ec7u chi\u1ebfm \u0111o\u1ea1t kho\u1ea3n ti\u1ec1n vay nh\u01b0 gian d\u1ed1i, c\u1ed1 t\u00ecnh kh\u00f4ng tr\u1ea3 n\u1ee3 th\u00ec c\u00f2n c\u00f3 th\u1ec3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n

N\u1ebfu kh\u00f4ng thu \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n l\u1ee3i g\u00ec th\u01b0a Lu\u1eadt s\u01b0?<\/em><\/strong><\/p>\n

B\u00ean cho vay c\u00f3 quy\u1ec1n chuy\u1ec3n th\u00e0nh n\u1ee3 qu\u00e1 h\u1ea1n, n\u1ee3 x\u1ea5u, t\u00ednh th\u00eam m\u1ee9c l\u00e3i qu\u00e1 h\u1ea1n; kh\u00f4ng cho vay sau n\u00e0y; thu gi\u1eef v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (n\u1ebfu c\u00f3); kh\u1edfi ki\u1ec7n ra T\u00f2a \u00e1n ho\u1eb7c Tr\u1ecdng t\u00e0i \u0111\u00f2i n\u1ee3. Th\u1eadm ch\u00ed c\u00f3 th\u1ec3 y\u00eau c\u1ea7u kh\u1edfi t\u1ed1 h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i L\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 175 v\u1ec1 “T\u1ed9i l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n” c\u1ee7a B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015.<\/p>\n

Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c cho vay, bao g\u1ed3m c\u1ea3 cho vay ngang h\u00e0ng, cho vay qua m\u1ea1ng r\u1ed3i c\u1ea7m \u0111\u1ed3…, v\u1eady nh\u1eefng h\u00ecnh th\u1ee9c cho vay \u0111\u00f3 c\u00f3 h\u1ee3p ph\u00e1p?<\/em><\/strong><\/p>\n

\u0110\u00fang l\u00e0 t\u00edn d\u1ee5ng \u0111en \u0111ang di\u1ec5n ra m\u1ed9t c\u00e1ch tr\u00e0n lan, ph\u1ed5 bi\u1ebfn, nh\u1ea5t l\u00e0 cho vay tr\u00ean m\u1ea1ng. Tuy nhi\u00ean t\u00edn d\u1ee5ng \u0111en kh\u00f3 x\u1eed l\u00fd v\u00ec ranh gi\u1edbi m\u1eadp m\u1edd do c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay l\u00e3i n\u1eb7ng n\u1eafm r\u00f5 ph\u00e1p lu\u1eadt, t\u00ecm m\u1ecdi c\u00e1ch l\u00e1ch lu\u1eadt, th\u01b0\u1eddng ghi tr\u00ean gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en m\u1ee9c l\u00e3i su\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20%, c\u00f2n ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00e1ch ri\u00eang b\u1eb1ng nhi\u1ec1u c\u00e1ch th\u1ee9c kh\u00e1c nhau, nh\u01b0 b\u1edbt \u0111i ph\u1ea7n ti\u1ec1n g\u1ed1c th\u1ef1c nh\u1eadn, tr\u1ea3 th\u00eam l\u00e3i ngo\u00e0i gi\u1ea5y t\u1edd hay ph\u1ea3i tr\u1ea3 nhi\u1ec1u lo\u1ea1i ph\u00ed kh\u00e1c nhau.<\/p>\n

C\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c cho vay tr\u00ean m\u1ea1ng, c\u00e1c h\u00ecnh th\u1ee9c cho vay n\u00e0y c\u00f3 th\u1ec3 vi ph\u1ea1m ho\u1eb7c kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt tu\u1ef3 thu\u1ed9c ph\u1ea3i c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau nh\u01b0 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng cho vay v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn m\u1ed9t c\u00e1ch th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c, chuy\u00ean nghi\u1ec7p nh\u01b0 \u0111i vay \u0111\u1ec3 cho vay hay nh\u01b0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh ch\u00ednh, th\u00ec l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p hay ph\u00e1p lu\u1eadt cho ph\u00e9p. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y s\u1ebd vi ph\u1ea1m quy \u0111\u1ecbnh “Nghi\u00eam c\u1ea5m c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng” t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 “Quy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng “, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010;<\/p>\n

Th\u1ee9 hai, n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n tham gia cho vay b\u1eb1ng s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i kh\u00f4ng qu\u00e1 l\u1edbn, kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u01b0\u1eddng xuy\u00ean, chuy\u00ean nghi\u1ec7p, th\u00ec l\u00e0 ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p, h\u1ee3p l\u1ec7. Th\u1eadm ch\u00ed ph\u00e1p lu\u1eadt thu\u1ebf c\u00f2n quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng;<\/p>\n

Th\u1ee9 ba, n\u1ebfu doanh nghi\u1ec7p, c\u00e1 nh\u00e2n ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 trung gian k\u1ebft n\u1ed1i, t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean \u0111\u1ec3 h\u1ecd cho ng\u01b0\u1eddi kh\u00e1c vay th\u00ec l\u00e0 h\u1ee3p ph\u00e1p, v\u00ec kh\u00f4ng tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng cho vay.<\/p>\n

V\u1eady l\u00e0m sao \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n nh\u1eadn di\u1ec7n \u0111\u01b0\u1ee3c m\u00ecnh \u0111ang vay v\u1ed1n h\u1ee3p ph\u00e1p hay kh\u00f4ng?<\/em><\/strong><\/p>\n

Vay v\u1ed1n \u1edf doanh nghi\u1ec7p c\u00f3 \u0110\u0103ng k\u00fd kinh doanh h\u1ee3p ph\u00e1p (c\u00f3 th\u1ec3 tra c\u1ee9u tr\u00ean C\u1ed5ng \u0111\u0103ng k\u00fd doanh nghi\u1ec7p qu\u1ed1c gia), nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m c\u1ed3 ch\u1eb3ng h\u1ea1n. N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u0103ng k\u00fd kinh doanh ho\u1eb7c \u0111\u0103ng k\u00fd kinh doanh kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay m\u00e0 cho nhi\u1ec1u ng\u01b0\u1eddi vay m\u1ed9t c\u00e1ch th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c c\u00f3 t\u00ednh ch\u1ea5t chuy\u00ean nghi\u1ec7p.<\/p>\n

D\u1ecbch v\u1ee5 cho vay c\u1ea7m \u0111\u1ed3 h\u1ee3p ph\u00e1p th\u00ec c\u0169ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay c\u1ea7m \u0111\u1ed3, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

N\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec l\u00e3i su\u1ea5t, c\u1ed9ng ph\u00ed kh\u00f4ng qu\u00e1 cao.<\/p>\n

C\u00f3 c\u01a1 quan n\u00e0o b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00e2n trong ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n?<\/em><\/strong><\/p>\n

Kh\u00f4ng c\u00f3 c\u01a1 quan c\u1ee5 th\u1ec3, chuy\u00ean tr\u00e1ch b\u1ea3o v\u1ec7 tr\u1ef1c ti\u1ebfp, m\u00e0 ch\u1ec9 c\u00f3 c\u00e1c c\u01a1 quan li\u00ean quan \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng, \u0111\u1ed3ng th\u1eddi tham gia b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0 C\u1ee5c qu\u00e1n l\u00fd c\u1ea1nh tranh thu\u1ed9c B\u1ed9 C\u00f4ng th\u01b0\u01a1ng, C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t ng\u00e2n h\u00e0ng thu\u1ed9c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc hay l\u00e0 c\u01a1 quan c\u00f4ng an, v\u1edbi vai tr\u00f2 b\u1ea3o v\u1ec7 tr\u1eadt t\u1ef1, tr\u1ecb an x\u00e3 h\u1ed9i; c\u00e1c c\u01a1 quan \u0111i\u1ec1u tra, truy t\u1ed1, x\u00e9t x\u1eed c\u00e1c tranh ch\u1ea5p v\u00e0 vi ph\u1ea1m ph\u00e1p lu\u1eadt.<\/p>\n

Lu\u1eadt s\u01b0 khuy\u1ebfn ngh\u1ecb g\u00ec v\u1edbi ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 vay v\u1ed1n an to\u00e0n, hi\u1ec7u qu\u1ea3?<\/em><\/strong><\/p>\n

M\u1ed9t l\u00e0 ch\u1ec9 \u0111i vay khi c\u00f3 nhu c\u1ea7u th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay. Hai l\u00e0 xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, tr\u1ea3 n\u1ee3, nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t. V\u00e0 ba l\u00e0 c\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u1ec3 tr\u00e1nh b\u1ecb t\u0103ng l\u00e3i su\u1ea5t v\u00e0 s\u1ee9c \u00e9p kh\u00e1c c\u1ee7a b\u00ean cho vay.<\/p>\n

Theo H. Kim (Tr\u00ed th\u1ee9c tr\u1ebb\/B\u00e1o T\u1ed5 Qu\u1ed1c)<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng (VnMoney) 21-5-2020:<\/em><\/strong><\/p>\n

https:\/\/thitruong.nld.com.vn\/vnmoney\/can-tien-nhung-dung-co-vay-cho-lay-duoc-20200521142040859.htm<\/em><\/a><\/p>\n

(1.386\/1.386)<\/em>","protected":false},"excerpt":{"rendered":"

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