{"id":12161,"date":"2019-03-23T13:21:10","date_gmt":"2019-03-23T06:21:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12161"},"modified":"2022-03-10T21:54:46","modified_gmt":"2022-03-10T14:54:46","slug":"2-567-lai-vay-tieu-dung-cao-ngat-nguong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-567-lai-vay-tieu-dung-cao-ngat-nguong\/","title":{"rendered":"2.567. L\u00e3i vay ti\u00eau d\u00f9ng cao ng\u1ea5t ng\u01b0\u1edfng"},"content":{"rendered":"
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(TN) – H\u1ee3p \u0111\u1ed3ng theo m\u1eabu v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft c\u00f4ng khai, c\u00e1ch t\u01b0 v\u1ea5n m\u1eadp m\u1edd, t\u1eeb ng\u1eef h\u1ee3p \u0111\u1ed3ng v\u1eabn kh\u00f3 hi\u1ec3u, l\u00e3i su\u1ea5t cho vay ng\u1ea5t ng\u01b0\u1edfng…<\/strong><\/p>\n<\/div>\n

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\"Nhi\u1ec1u<\/td>\n<\/tr>\n
Nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng vay m\u00e0 kh\u00f4ng bi\u1ebft m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c tr\u1ea3 r\u1ea5t cao<\/p>\n
\u1ea2NH: \u0110.N.T<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
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80 – 100%\/n\u0103m<\/strong><\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
S\u1ed1 li\u1ec7u cho th\u1ea5y cho vay ti\u00eau d\u00f9ng l\u00e0 th\u1ecb tr\u01b0\u1eddng m\u00e0u m\u1ee1, r\u1ed9ng l\u1edbn m\u00e0 m\u1edbi ch\u1ec9 c\u00f3 v\u00e0i CTTC ti\u00eau d\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5, d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ecb m\u1ea5t t\u00ednh c\u1ea1nh tranh, l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c CTTC \u0111\u1ec1u cao su\u00fdt so\u00e1t nhau v\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i l\u1ef1a ch\u1ecdn. H\u1ecd bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t cao<\/p>\n
LU\u1eacT S\u01af TR\u01af\u01a0NG THANH \u0110\u1ee8C, CH\u1ee6 NHI\u1ec6M C\u00c2U L\u1ea0C B\u1ed8 PH\u00c1P CH\u1ebe NG\u00c2N H\u00c0NG<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
N\u1ebfu nh\u01b0 l\u00fac tr\u01b0\u1edbc t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng \u0111i\u1ec7n m\u00e1y, xe m\u00e1y c\u00f3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay, b\u00e1n tr\u1ea3 g\u00f3p h\u1ea7u nh\u01b0 kh\u00f4ng ni\u00eam y\u1ebft l\u00e3i su\u1ea5t th\u00ec g\u1ea7n \u0111\u00e2y, b\u00ean c\u1ea1nh c\u00e1c s\u1ea3n ph\u1ea9m b\u1eaft \u0111\u1ea7u th\u1ec3 hi\u1ec7n 2 m\u1ee9c l\u00e3i su\u1ea5t. M\u1ed9t l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t \u201cph\u1eb3ng\u201d t\u00ednh theo m\u1ee9c tr\u1ea3 g\u00f3p h\u0301\u1eb1ng th\u00e1ng, m\u1ed9t l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf (do n\u1ee3 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u) m\u00e0 ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3. S\u1edf d\u0129 c\u00f3 vi\u1ec7c n\u00e0y l\u00e0 v\u00ec t\u1eeb ng\u00e0y 15.3.2017, theo quy \u0111\u1ecbnh v\u1ec1 cho vay ti\u00eau d\u00f9ng t\u1ea1i Th\u00f4ng t\u01b0 43 do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ban h\u00e0nh, CTTC ph\u1ea3i c\u00f4ng khai m\u1ee9c l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng.<\/div>\n

T\u1ea1i m\u1ed9t c\u1eeda h\u00e0ng \u0111i\u1ec7n tho\u1ea1i, ch\u1ecb Mai – ng\u1ee5 Q.3, TP.HCM h\u1ecfi mua tr\u1ea3 g\u00f3p m\u1ed9t chi\u1ebfc m\u00e1y t\u00ednh x\u00e1ch tay tr\u1ecb gi\u00e1 11,49 tri\u1ec7u \u0111\u1ed3ng. Nh\u00e2n vi\u00ean CTTC FE Credit cho bi\u1ebft ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc 30%, c\u00f3 ch\u1ee9ng minh nh\u00e2n d\u00e2n (CMND), h\u1ed9 kh\u1ea9u v\u00e0 h\u00f3a \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n th\u00ec m\u1ee9c g\u00f3p 830.000 \u0111\u1ed3ng\/th\u00e1ng trong v\u00f2ng 12 th\u00e1ng. T\u00ednh ra, l\u00e3i su\u1ea5t l\u00e0 1,37%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 16,4%\/n\u0103m. Nh\u01b0ng n\u1ebfu t\u00ednh tr\u00ean m\u1ee9c d\u01b0 n\u1ee3 ban \u0111\u1ea7u, th\u00ec l\u00e3i su\u1ea5t th\u1ef1c tr\u1ea3 l\u00ean \u0111\u1ebfn 2,42%\/th\u00e1ng, ngh\u0129a l\u00e0 30%\/n\u0103m. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i cho ng\u01b0\u1eddi c\u00f3 h\u1ed9 kh\u1ea9u v\u00e0 h\u00f3a \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc. C\u00f2n n\u1ebfu ng\u01b0\u1eddi vay ch\u1ec9 c\u00f3 CMND v\u00e0 b\u1eb1ng l\u00e1i xe, l\u00e3i su\u1ea5t mua chi\u1ebfc m\u00e1y t\u00ednh \u1edf Home Credit b\u1ecb \u0111\u1ea9y l\u00ean \u0111\u1ebfn 4,31%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 51,72%\/n\u0103m nh\u01b0ng m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c tr\u1ea3 l\u00ean t\u1edbi 7,08%\/th\u00e1ng, quy ra l\u00e0 84%\/n\u0103m. V\u1edbi m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y, ng\u01b0\u1eddi mua ph\u1ea3i tr\u1ea3 th\u00eam 5,7 tri\u1ec7u \u0111\u1ed3ng cho chi\u1ebfc m\u00e1y t\u00ednh.<\/p>\n

Nh\u01b0ng m\u1ee9c l\u00e3i vay 84%\/n\u0103m ch\u01b0a ph\u1ea3i l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng cao nh\u1ea5t hi\u1ec7n nay. Theo m\u1ed9t ng\u01b0\u1eddi ho\u1ea1t \u0111\u1ed9ng l\u00e2u n\u0103m trong gi\u1edbi t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, cao nh\u1ea5t l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t 100% c\u1ee7a m\u1ed9t CTTC c\u00f3 th\u1ecb ph\u1ea7n l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng. Khi \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t 7%\/th\u00e1ng, \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh – Ph\u00f3 gi\u00e1m \u0111\u1ed1c NHNN chi nh\u00e1nh TP.HCM, kh\u00f4ng tin v\u00e0 h\u1ecfi l\u1ea1i, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t t\u00ednh theo n\u0103m hay th\u00e1ng. Theo th\u00f4ng tin c\u1ee7a \u00f4ng Minh, l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c CTTC hi\u1ec7n nay ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 40 – 50%\/n\u0103m. Th\u1ef1c t\u1ebf c\u00e1c CTTC g\u00f3p ph\u1ea7n quan tr\u1ecdng \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao nh\u01b0 n\u00f3i tr\u00ean \u0111\u00e3 g\u00e2y b\u1ee9c x\u00fac trong d\u01b0 lu\u1eadn th\u1eddi gian qua. Theo m\u1ed9t l\u00e3nh \u0111\u1ea1o CTTC, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang c\u00f3 d\u1ea5u hi\u1ec7u nh\u00edch l\u00ean so v\u1edbi th\u1eddi gian tr\u01b0\u1edbc. \u201cL\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00e1c CTTC. Hi\u1ec7n nay l\u00e3i su\u1ea5t \u0111\u1ea7u v\u00e0o \u0111ang c\u00f3 xu h\u01b0\u1edbng \u0111i l\u00ean. Th\u00f4ng th\u01b0\u1eddng th\u1ecb tr\u01b0\u1eddng s\u1ebd c\u00f3 \u0111\u1ed9 tr\u1ec5 nh\u1ea5t \u0111\u1ecbnh, nh\u01b0ng ch\u1eafc ch\u1eafn trong th\u1eddi gian t\u1edbi m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c k\u00e9o l\u00ean\u201d, \u00f4ng n\u00f3i.<\/p>\n

Ghi nh\u1eadn t\u1ea1i nhi\u1ec1u \u0111i\u1ec3m b\u00e1n h\u00e0ng l\u00e0 h\u1ea7u h\u1ebft c\u00e1c CTTC ch\u01b0a ni\u00eam y\u1ebft m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t, m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t c\u1ee7a t\u1eebng s\u1ea3n ph\u1ea9m cho kh\u00e1ch h\u00e0ng so s\u00e1nh. C\u00e1c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u0169ng ch\u1ec9 cho bi\u1ebft s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p h\u1eb1ng th\u00e1ng, m\u00e0 kh\u00f4ng n\u00f3i r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t c\u0169ng nh\u01b0 tr\u00e1ch nhi\u1ec7m v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi vay. \u0110\u1ed3ng th\u1eddi, t\u00ecm tr\u00ean website ch\u00ednh th\u1ee9c c\u1ee7a c\u00e1c CTTC c\u0169ng h\u1ea7u nh\u01b0 kh\u00f4ng th\u1ea5y c\u00f4ng khai h\u1ee3p \u0111\u1ed3ng theo m\u1eabu, \u0111i\u1ec1u ki\u1ec7n chung v\u1ec1 cho vay ti\u00eau d\u00f9ng theo nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 43. Tr\u00ean c\u00e1c website n\u00e0y c\u0169ng kh\u00f4ng th\u1ea5y “t\u0103m h\u01a1i” c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t, m\u00e0 h\u1ea7u h\u1ebft ch\u1ec9 th\u1ec3 hi\u1ec7n m\u1ee9c ti\u1ec1n tr\u1ea3 g\u00f3p m\u1ed7i th\u00e1ng. \u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh cho bi\u1ebft, Th\u00f4ng t\u01b0 43 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 15.3, n\u00ean \u0111\u1ebfn nay c\u00e1c CTTC ch\u01b0a b\u00e1o c\u00e1o t\u00ecnh h\u00ecnh th\u1ef1c hi\u1ec7n v\u1ec1 NH.<\/p>\n

Thu l\u1ee3i “kh\u1ee7ng”<\/strong><\/p>\n

C\u00e1c CTTC cho r\u1eb1ng chi ph\u00ed v\u1ed1n cao, r\u1ee7i ro l\u1edbn n\u00ean l\u00e3i su\u1ea5t cho vay ph\u1ea3i cao. Th\u1ebf nh\u01b0ng nh\u00ecn v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng, \u0111\u1eb7c bi\u1ec7t l\u00e0 l\u1ee3i nhu\u1eadn kh\u1ee7ng c\u1ee7a c\u00e1c CTTC n\u00e0y m\u1edbi th\u1ea5y th\u1ecb tr\u01b0\u1eddng cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e0 \u201cmi\u1ebfng b\u00e1nh ngon\u201d. Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u1ee3p nh\u1ea5t 2016 c\u1ee7a VPBank – c\u00f4ng ty m\u1eb9 c\u1ee7a FE Credit, th\u00ec CTTC n\u00e0y \u0111\u00e3 \u0111\u00f3ng g\u00f3p g\u1ea7n 1.000 t\u1ec9 \u0111\u1ed3ng, n\u00e2ng l\u1ee3i nhu\u1eadn h\u1ee3p nh\u1ea5t sau thu\u1ebf c\u1ee7a VPBank l\u00ean h\u01a1n 3.935 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 64% so v\u1edbi n\u0103m 2015. Tr\u01b0\u1edbc \u0111\u00f3, n\u0103m 2013 Home Credit \u0111\u1ea1t l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 711 t\u1ec9 \u0111\u1ed3ng, cao h\u01a1n nhi\u1ec1u NH c\u00f9ng th\u1eddi \u0111i\u1ec3m. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, Home Credit c\u0169ng cho bi\u1ebft m\u1ee9c t\u0103ng tr\u01b0\u1edfng r\u1ea5t cao.<\/p>\n

\u0110\u00e1ng n\u00f3i l\u00e0 h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t tr\u00ean tr\u1eddi n\u00e0y l\u00e0 ng\u01b0\u1eddi ngh\u00e8o, sinh vi\u00ean… kh\u00f3 c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c ngu\u1ed3n t\u00edn d\u1ee5ng kh\u00e1c. Th\u1ed1ng k\u00ea c\u1ee7a Home Credit cho th\u1ea5y, 50% kh\u00e1ch h\u00e0ng l\u00e0 c\u00f4ng nh\u00e2n, lao \u0111\u1ed9ng ph\u1ed5 th\u00f4ng, v\u1edbi c\u00e1c kho\u1ea3n vay ph\u1ed5 bi\u1ebfn t\u1eeb 10 – 60 tri\u1ec7u \u0111\u1ed3ng, th\u1eddi h\u1ea1n tr\u1ea3 l\u00e0 t\u1eeb 1 – 3 n\u0103m; t\u1ef7 l\u1ec7 nh\u1eefng ng\u01b0\u1eddi l\u00e0m kinh doanh ch\u1ec9 chi\u1ebfm 11%, d\u00e2n v\u0103n ph\u00f2ng ch\u1ec9 chi\u1ebfm 8%, k\u1ef9 thu\u1eadt vi\u00ean 6%, n\u00f4ng d\u00e2n kho\u1ea3ng 6%, c\u00f2n l\u1ea1i l\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c trong c\u00e1c ng\u00e0nh ngh\u1ec1 kh\u00e1c… C\u00e1c CTTC l\u1edbn kh\u00e1c nh\u01b0 FE Credit, HD Saison… c\u0169ng c\u00f3 t\u00ecnh h\u00ecnh t\u01b0\u01a1ng t\u1ef1.<\/p>\n

M\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao d\u1eabn \u0111\u1ebfn g\u00e1nh n\u1eb7ng cho kh\u00e1ch h\u00e0ng. Ch\u1ecb C\u00fac, ng\u1ee5 t\u1ea1i M\u1ef9 An, B\u00ecnh D\u01b0\u01a1ng v\u1eeba t\u1ea5t to\u00e1n kho\u1ea3n vay \u1edf FE Credit \u0111\u1ec3 tho\u00e1t kh\u1ecfi s\u1ef1 li\u00ean t\u1ee5c \u0111\u00f2i n\u1ee3 t\u1eeb ph\u00eda c\u00f4ng ty n\u00e0y. Ch\u1ecb k\u1ec3 l\u1ea1i, em ch\u1ed3ng nh\u1edd ch\u1ecb vay 60 tri\u1ec7u \u0111\u1ed3ng \u1edf FE Credit, t\u1ed5ng c\u1ed9ng c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i tr\u1ea3 th\u00e0nh 100 tri\u1ec7u \u0111\u1ed3ng trong 3 n\u0103m. \u0110\u1ebfn th\u00e1ng th\u1ee9 14, s\u1ed1 ti\u1ec1n n\u1ee3 c\u00f2n l\u1ea1i 45 tri\u1ec7u \u0111\u1ed3ng, th\u00ec em g\u00e1i bu\u00f4n b\u00e1n \u1ebf \u1ea9m, kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 trong 3 th\u00e1ng k\u1ebf ti\u1ebfp. K\u1ec3 t\u1eeb \u0111\u00f3, nh\u00e2n vi\u00ean FE Credit g\u1ecdi \u0111i\u1ec7n li\u00ean t\u1ee5c, m\u1ed7i ng\u00e0y 5-7 l\u1ea7n. Ch\u1ecbu kh\u00f4ng n\u1ed5i, ch\u1ecb \u0111i t\u1ea5t to\u00e1n h\u1ee3p \u0111\u1ed3ng th\u00ec s\u1ed1 ti\u1ec1n l\u00ean \u0111\u1ebfn 51,5 tri\u1ec7u \u0111\u1ed3ng. \u201cT\u00ednh ra, vay s\u1ed1 ti\u1ec1n 60 tri\u1ec7u \u0111\u1ed3ng m\u00e0 tr\u1ea3 t\u1ed5ng c\u1ed9ng l\u00ean \u0111\u1ebfn 111,5 tri\u1ec7u \u0111\u1ed3ng, g\u1ea7n g\u1ea5p \u0111\u00f4i s\u1ed1 ti\u1ec1n vay. H\u1ecd ch\u1ec9 n\u00f3i ti\u1ec1n t\u0103ng l\u00e0 do ph\u00ed thanh l\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c. Thanh l\u00fd h\u1ee3p \u0111\u1ed3ng m\u00e0 h\u1ecd ch\u1ec9 \u0111\u01b0a t\u1edd gi\u1ea5y thu h\u1ed9, r\u1ed3i h\u1ee9a h\u1eb9n \u0111\u01b0a h\u1ee3p \u0111\u1ed3ng thanh l\u00fd, m\u00e0 t\u00f4i ch\u1edd v\u00e0 \u0111\u00f2i 3 th\u00e1ng r\u1ed3i kh\u00f4ng c\u00f3\u201d, ch\u1ecb th\u1ea5m th\u00eda.<\/p>\n

Theo \u00f4ng Minh, th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng \u0111ang t\u0103ng tr\u01b0\u1edfng m\u1ea1nh. Trong n\u0103m 2016, cho vay ti\u00eau d\u00f9ng t\u1ea1i TP.HCM chi\u1ebfm 15% t\u1ed5ng d\u01b0 n\u1ee3, t\u0103ng g\u1ea5p \u0111\u00f4i so v\u1edbi 2 n\u0103m tr\u01b0\u1edbc. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 ph\u00e1p ch\u1ebf NH ki\u00eam Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI d\u1eabn con s\u1ed1 th\u1ed1ng k\u00ea cho bi\u1ebft, d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng n\u0103m 2015 t\u0103ng tr\u01b0\u1edfng 44% so v\u1edbi n\u0103m 2014, t\u1eeb 10,5 t\u1ec9 USD l\u00ean 15,12 t\u1ec9 USD. Ho\u1ea1t \u0111\u1ed9ng vay ti\u00eau d\u00f9ng \u0111ang chi\u1ebfm 10,4% GDP v\u00e0 6,8% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf. \u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y, ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t tr\u00ean tr\u1eddi, “v\u1ed7 b\u00e9o” c\u00e1c CTTC. Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1eadn x\u00e9t: \u201cS\u1ed1 li\u1ec7u cho th\u1ea5y cho vay ti\u00eau d\u00f9ng l\u00e0 th\u1ecb tr\u01b0\u1eddng m\u00e0u m\u1ee1, r\u1ed9ng l\u1edbn m\u00e0 m\u1edbi ch\u1ec9 c\u00f3 v\u00e0i CTTC ti\u00eau d\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5, d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ecb m\u1ea5t t\u00ednh c\u1ea1nh tranh, l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c CTTC \u0111\u1ec1u cao su\u00fdt so\u00e1t nhau v\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i l\u1ef1a ch\u1ecdn. H\u1ecd bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t cao\u201d.<\/p>\n<\/div>\n<\/div>\n

Thanh Xu\u00e2n – H\u1ed3ng S\u01b0\u01a1ng<\/a><\/strong><\/p>\n

——————<\/p>\n

Thanh ni\u00ean (T\u00e0i ch\u00ednh-kinh doanh) 22-03-2019:<\/b><\/em><\/p>\n

L\u00e3i vay ti\u00eau d\u00f9ng cao ng\u1ea5t ng\u01b0\u1edfng (thanhnien.vn)<\/a><\/p>\n

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

(TN) – H\u1ee3p \u0111\u1ed3ng theo m\u1eabu v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft c\u00f4ng khai, c\u00e1ch t\u01b0 v\u1ea5n m\u1eadp m\u1edd, t\u1eeb ng\u1eef h\u1ee3p \u0111\u1ed3ng v\u1eabn kh\u00f3 hi\u1ec3u, l\u00e3i su\u1ea5t cho vay ng\u1ea5t ng\u01b0\u1edfng… Nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng vay m\u00e0 kh\u00f4ng bi\u1ebft m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c tr\u1ea3 r\u1ea5t cao \u1ea2NH: \u0110.N.T 80 – 100%\/n\u0103m S\u1ed1 li\u1ec7u cho th\u1ea5y […]<\/p>\n","protected":false},"author":10,"featured_media":12162,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.567. L\u00e3i vay ti\u00eau d\u00f9ng cao ng\u1ea5t ng\u01b0\u1edfng - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/2-567-lai-vay-tieu-dung-cao-ngat-nguong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.567. L\u00e3i vay ti\u00eau d\u00f9ng cao ng\u1ea5t ng\u01b0\u1edfng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TN) – H\u1ee3p \u0111\u1ed3ng theo m\u1eabu v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft c\u00f4ng khai, c\u00e1ch t\u01b0 v\u1ea5n m\u1eadp m\u1edd, t\u1eeb ng\u1eef h\u1ee3p \u0111\u1ed3ng v\u1eabn kh\u00f3 hi\u1ec3u, l\u00e3i su\u1ea5t cho vay ng\u1ea5t ng\u01b0\u1edfng… Nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng vay m\u00e0 kh\u00f4ng bi\u1ebft m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c tr\u1ea3 r\u1ea5t cao \u1ea2NH: \u0110.N.T 80 – 100%\/n\u0103m S\u1ed1 li\u1ec7u cho th\u1ea5y […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/2-567-lai-vay-tieu-dung-cao-ngat-nguong\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-23T06:21:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-10T14:54:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/03\/5b3963255dimg_0112_olcr.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1903\" \/>\n\t<meta property=\"og:image:height\" content=\"1273\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/2-567-lai-vay-tieu-dung-cao-ngat-nguong\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/2-567-lai-vay-tieu-dung-cao-ngat-nguong\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng V\u0169 Ho\u00e0ng\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/2d150c4ef033c94d530c391731b640b9\"},\"headline\":\"2.567. 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