{"id":12206,"date":"2019-06-05T14:08:39","date_gmt":"2019-06-05T07:08:39","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12206"},"modified":"2022-03-06T14:10:42","modified_gmt":"2022-03-06T07:10:42","slug":"2-661-khong-vi-siet-tin-dung-bat-dong-san-ma-hy-sinh-phan-khuc-cao-cap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-661-khong-vi-siet-tin-dung-bat-dong-san-ma-hy-sinh-phan-khuc-cao-cap\/","title":{"rendered":"2.661. “Kh\u00f4ng v\u00ec si\u1ebft t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u00e0 hy sinh ph\u00e2n kh\u00fac cao c\u1ea5p”."},"content":{"rendered":"(CFF) – D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN c\u1ee7a NHNN quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay mua nh\u00e0, \u0111\u1ea5t, c\u0103n h\u1ed9 cao c\u1ea5p t\u1eeb 3 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean s\u1ebd \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00ean t\u1edbi 150%. Quy \u0111\u1ecbnh n\u00e0y n\u1ebfu \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng s\u1ebd \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/strong><\/p>\n

D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 36\u00a0\u0111\u00e1nh th\u1eb3ng v\u00e0o c\u1ea3 b\u00ean cung v\u00e0 c\u1ea7u B\u0110S<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111ang l\u1ea5y \u00fd ki\u1ebfn d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ec9 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN).<\/p>\n

Trong ph\u1ee5 l\u1ee5c d\u1ef1 th\u1ea3o \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh h\u1ec7 s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 kho\u1ea3n ph\u1ea3i \u0111\u00f2i. C\u1ee5 th\u1ec3, h\u1ec7 s\u1ed1 r\u1ee7i ro 50% \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i cho c\u00e1 nh\u00e2n vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7; cho vay c\u00e1 nh\u00e2n mua nh\u00e0 c\u00f3 gi\u00e1 tr\u1ecb d\u01b0 n\u1ee3 g\u1ed1c d\u01b0\u1edbi 1,5 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

\u0110\u00e1ng l\u01b0u \u00fd, h\u1ec7 s\u1ed1 r\u1ee7i ro s\u1ebd l\u00ean t\u1edbi 150% \u00e1p d\u1ee5ng cho kho\u1ea3n ph\u1ea3i \u0111\u00f2i \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng m\u00e0 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 3 t\u1ec9 \u0111\u1ed3ng tr\u1edf l\u00ean. H\u1ec7 s\u1ed1 n\u00e0y cao g\u1ea5p ba l\u1ea7n so v\u1edbi quy \u0111\u1ecbnh tr\u01b0\u1edbc.<\/p>\n

Ngo\u00e0i t\u0103ng h\u1ec7 s\u1ed1 t\u00edn d\u1ee5ng r\u1ee7i ro \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, d\u1ef1 th\u1ea3o c\u00f2n \u0111\u01b0a ra ph\u01b0\u01a1ng \u00e1n \u0111i\u1ec1u ch\u1ec9nh v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n theo xu h\u01b0\u1edbng gi\u1ea3m d\u1ea7n t\u1ec9 l\u1ec7 n\u00e0y xu\u1ed1ng c\u00f2n 30% thay v\u00ec l\u1ed9 tr\u00ecnh hi\u1ec7n nay l\u00e0 40%. Trong khi \u0111\u00f3, c\u00e1c kho\u1ea3n vay \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng B\u0110S th\u01b0\u1eddng c\u00f3 nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n trung, d\u00e0i h\u1ea1n cao n\u00ean vi\u1ec7c gi\u1ea3m t\u1ec9 l\u1ec7 n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi ngu\u1ed3n v\u1ed1n v\u00e0o th\u1ecb tr\u01b0\u1eddng c\u00e0ng \u00edt.<\/p>\n

L\u1ea7n t\u00e1c \u0111\u1ed9ng n\u00e0y, theo ph\u00e2n t\u00edch c\u1ee7a c\u00e1c chuy\u00ean gia, \u0111\u00e1nh th\u1eb3ng v\u00e0o c\u1ea3 b\u00ean cung v\u00e0 c\u1ea7u B\u0110S, hay n\u00f3i \u0111\u00fang h\u01a1n l\u00e0 \u0111\u00e1nh th\u1eb3ng c\u1ea3 v\u00e0o kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0. V\u1ec1 ph\u00eda doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u1ec3 tri\u1ec3n khai d\u1ef1 \u00e1n, t\u1eeb l\u00fac t\u00ecm ki\u1ebfm m\u1eb7t b\u1eb1ng \u0111\u1ebfn khi b\u00e0n giao cho kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 m\u1ea5t v\u00e0i n\u0103m, th\u1eadm ch\u00ed ch\u1ee5c n\u0103m, do \u0111\u00f3, doanh nghi\u1ec7p s\u1ebd c\u1ea7n ngu\u1ed3n v\u1ed1n l\u1edbn. \u0110\u1eb7c bi\u1ec7t, \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n trong l\u00e2u d\u00e0i, ngu\u1ed3n v\u1ed1n trung v\u00e0 d\u00e0i h\u1ea1n v\u1edbi doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0 kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n t\u1eeb ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu hay h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i. Do \u0111\u00f3, vi\u1ec7c NHNN si\u1ebft ch\u1eb7t l\u1ea1i t\u1ef7 l\u1ec7 t\u1ed1i \u0111a ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c cho vay d\u00e0i h\u1ea1n s\u1ebd g\u00e2y kh\u00f3 kh\u0103n l\u1edbn v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam.<\/p>\n

\u1ede ph\u00eda ng\u01b0\u1eddi mua nh\u00e0, vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 t\u1ed1i \u0111a ngu\u1ed3n v\u1ed1n ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c cho vay trung d\u00e0i h\u1ea1n s\u1ebd g\u00e2y \u00e1p l\u1ef1c l\u1edbn \u0111\u1ebfn ng\u01b0\u1eddi mua nh\u00e0 do \u0111a ph\u1ea7n g\u00f3i vay mua nh\u00e0 l\u00e0 trung, d\u00e0i h\u1ea1n. Trong khi \u0111\u00f3, nhu c\u1ea7u nh\u00e0 \u1edf t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n r\u1ea5t l\u1edbn. Savills d\u1eabn s\u1ed1 li\u1ec7u c\u1ee7a T\u1ed5ng c\u1ee5c Th\u1ed1ng k\u00ea cho th\u1ea5y, t\u1eeb n\u0103m 2009 \u0111\u1ebfn n\u0103m 2016, TP HCM c\u00f3 134.000 h\u1ed9 gia \u0111\u00ecnh \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp m\u1edbi, c\u00f2n H\u00e0 N\u1ed9i c\u0169ng c\u00f3 th\u00eam 130.000 h\u1ed9 m\u1edbi. “Vi\u1ec7c gia t\u0103ng s\u1ed1 l\u01b0\u1ee3ng gia \u0111\u00ecnh m\u1edbi c\u1ed9ng th\u00eam l\u01b0\u1ee3ng nh\u00e0 \u1edf c\u0169 xu\u1ed1ng c\u1ea5p d\u1eabn \u0111\u1ebfn ngu\u1ed3n c\u1ea7u nh\u00e0 \u1edf m\u1edbi t\u0103ng”- Savills nh\u1eadn \u0111\u1ecbnh<\/p>\n

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Si\u1ebft t\u00edn d\u1ee5ng \u0111\u1ed9t ng\u1ed9t s\u1ebd g\u00e2y s\u1ed1c cho th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u00a0<\/strong><\/p>\n

Trao \u0111\u1ed5i v\u1edbi ch\u00fang t\u00f4i v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng B\u0110S, \u00a0LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c -Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC) cho r\u1eb1ng c\u1ea7n c\u00e2n nh\u1eafc, t\u00ednh to\u00e1n l\u1ea1i m\u1ee9c 3 t\u1ef7 \u0111\u1ed3ng li\u1ec7u \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee9c thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00e2n, hi\u1ec7n tr\u1ea1ng \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1eddi gian qua hay ch\u01b0a.\u00a0<\/em><\/p>\n

“Ch\u00fang ta kh\u00f4ng n\u00ean\u00a0\u0111\u00e1nh \u0111\u1ed3ng t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay tr\u00ean 3 t\u1ef7 \u0111\u1ed3ng v\u00e0o chung m\u1ed9t h\u1ec7 s\u1ed1 r\u1ee7i ro 150%. N\u1ebfu c\u00f3 th\u1ec3 ph\u00e2n nh\u00f3m v\u00e0 t\u00f9y v\u00e0o m\u1ee9c \u0111\u1ed9 r\u1ee7i ro \u0111\u1ec3 \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 100% hay 125%. Ch\u1eb3ng h\u1ea1n,\u00a0b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00e0 \u1edf c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro th\u1ea5p, b\u1ea5t \u0111\u1ed9ng s\u1ea3n khu c\u00f4ng nghi\u1ec7p c\u1ea7n \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n”, \u00f4ng \u0110\u1ee9c n\u00f3i.\u00a0<\/em><\/p>\n

Nh\u00ecn nh\u1eadn \u1edf m\u1ed9t g\u1ed1c \u0111\u1ed9 kh\u00e1c, GS. \u0110\u1eb7ng H\u00f9ng V\u00f5, nguy\u00ean Th\u1ee9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng cho r\u1eb1ng nh\u1eefng thay \u0111\u1ed5i trong th\u00f4ng t\u01b0 36 s\u1ebd khi\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u00e2n kh\u00fac nh\u00e0 \u1edf cao c\u1ea5p g\u1eb7p kh\u00f3. Vi\u1ec7c khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n c\u00e1c ph\u00e2n kh\u00fac th\u1ea5p h\u01a1n l\u00e0 c\u1ea7n thi\u1ebft, song kh\u00f4ng n\u00ean v\u00ec v\u1eady m\u00e0 ph\u1ea3i hy sinh ph\u00e2n kh\u00fac nh\u00e0 \u1edf cao c\u1ea5p.<\/p>\n

“Th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i Vi\u1ec7t Nam \u1ed5n \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 b\u1edfi v\u1ed1n c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n m\u00e0 ch\u00ednh l\u00e0 nh\u1edd v\u1ed1n c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng, nh\u00e0 \u0111\u1ea7u t\u01b0 th\u1ee9 c\u1ea5p, h\u1ed9 gia \u0111\u00ecnh c\u00e1 nh\u00e2n. Trong khi \u0111\u00f3, h\u1ea7u h\u1ebft ng\u01b0\u1eddi mua nh\u00e0 tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay \u0111\u1ec1u ph\u1ea3i vay v\u1ed1n t\u1eeb ng\u00e2n h\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n sau \u0111\u00f3 cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i. V\u1edbi c\u01a1 ch\u1ebf t\u00edn d\u1ee5ng n\u00e0y, l\u00e3i su\u1ea5t \u0111\u00e3 \u1edf m\u1ee9c r\u1ea5t cao, x\u1ea5p x\u1ec9 10%\/n\u0103m. N\u1ebfu c\u00f3 th\u00eam quy \u0111\u1ecbnh si\u1ebft cho vay mua nh\u00e0 \u1edf cao c\u1ea5p v\u1edbi gi\u00e1 tr\u00ean 3 t\u1ef7 \u0111\u1ed3ng, th\u1ecb tr\u01b0\u1eddng s\u1ebd g\u1eb7p kh\u00f3”, \u00f4ng \u0110\u1eb7ng H\u00f9ng V\u00f5 nh\u1ea5n m\u1ea1nh.<\/p>\n

\u00d4ng V\u00f5 c\u0169ng cho bi\u1ebft th\u00eam, quy \u0111\u1ecbnh t\u0103ng h\u1ec7 s\u1ed1 r\u1ee7i ro cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, si\u1ebft cho vay mua nh\u00e0 c\u00f3 gi\u00e1 tr\u1ecb 3 t\u1ef7 s\u1ebd \u1ea3nh h\u01b0\u1edfng r\u1ea5t nghi\u00eam tr\u1ecdng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng, nh\u1ea5t l\u00e0 trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay khi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 r\u1ea5t nhi\u1ec1u v\u1ea5n \u0111\u1ec1 t\u1ed3n \u0111\u1ecdng khi\u1ebfn c\u1ea3 ngu\u1ed3n cung v\u00e0 thanh kho\u1ea3n \u0111ang c\u00f3 xu h\u01b0\u1edbng ch\u1eadm l\u1ea1i. Theo \u00f4ng V\u00f5, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 r\u00e0 so\u00e1t \u0111\u1ec3 si\u1ebft cho vay mua nh\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ee7 uy t\u00edn, n\u0103ng l\u1ef1c tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tr\u00e1nh r\u1ee7i ro t\u00edn d\u1ee5ng thay v\u00ec \u00e1p d\u1ee5ng quy \u0111\u1ecbnh n\u00e0y tr\u00ean to\u00e0n th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n cao c\u1ea5p.<\/p>\n

Lan Nhi<\/strong><\/p>\n

\n

CafeF (B\u1ea5t \u0111\u1ed9ng s\u1ea3n) 05-6-2019:<\/em><\/strong><\/p>\n

http:\/\/cafef.vn\/khong-vi-siet-tin-dung-bat-dong-san-ma-hy-sinh-phan-phuc-cao-cap-20190605135949238.chn<\/em><\/a><\/p>\n

(147\/1.148)<\/em>","protected":false},"excerpt":{"rendered":"

(CFF) – D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN c\u1ee7a NHNN quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay mua nh\u00e0, \u0111\u1ea5t, c\u0103n h\u1ed9 cao c\u1ea5p t\u1eeb 3 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean s\u1ebd \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00ean t\u1edbi 150%. Quy \u0111\u1ecbnh n\u00e0y n\u1ebfu \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng […]<\/p>\n","protected":false},"author":7,"featured_media":12207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.661. 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