{"id":12633,"date":"2018-07-05T14:45:07","date_gmt":"2018-07-05T07:45:07","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=12633"},"modified":"2022-03-07T14:51:55","modified_gmt":"2022-03-07T07:51:55","slug":"2-221-cho-vay-nang-lai-bat-chap-doi-no-khung-bo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-221-cho-vay-nang-lai-bat-chap-doi-no-khung-bo\/","title":{"rendered":"2.221. Cho vay n\u1eb7ng l\u00e3i b\u1ea5t ch\u1ea5p, \u0111\u00f2i n\u1ee3 kh\u1ee7ng b\u1ed1"},"content":{"rendered":"(TT) – Vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e3i su\u1ea5t m\u1ed7i n\u0103m ch\u1ec9 10-11%, vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 40% trong khi c\u00e1c website l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 300%-470%\/n\u0103m. Cho vay b\u1ea5t ch\u1ea5p d\u1eabn \u0111\u1ebfn mu\u00f4n n\u1ebbo \u0111\u00f2i n\u1ee3 ki\u1ec3u kh\u1ee7ng b\u1ed1.<\/strong><\/p>\n

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Rao v\u1eb7t cho vay ti\u1ec1n d\u00e1n kh\u1eafp n\u01a1i – \u1ea2nh: HO\u00c0NG \u0110\u00d4NG<\/p>\n

\u0110i\u1ec1u ki\u1ec7n vay tho\u00e1ng, h\u00ecnh th\u1ee9c th\u1ebf ch\u1ea5p l\u1ea1 \u0111\u1eddi\u2026, \u0111\u1ed5i l\u1ea1i ng\u01b0\u1eddi vay ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t r\u1ea5t cao \u0111\u00e3 k\u00e9o theo nhi\u1ec1u h\u1ec7 l\u1ee5y, trong \u0111\u00f3 nh\u1ee9c nh\u1ed1i nh\u1ea5t l\u00e0 chuy\u1ec7n kh\u1ee7ng b\u1ed1 ng\u01b0\u1eddi vay \u0111\u1ec3 \u0111\u00f2i n\u1ee3.<\/p>\n

\u0110\u1ebfn c\u1ea3 iCloud c\u0169ng th\u1ebf ch\u1ea5p vay ti\u1ec1n<\/strong><\/p>\n

Ch\u1ecb H., nh\u00e2n vi\u00ean m\u1ed9t c\u00f4ng ty truy\u1ec1n th\u00f4ng t\u1ea1i Q.3 (TP.HCM), cho bi\u1ebft do c\u1ea7n ti\u1ec1n g\u1ea5p n\u00ean ch\u1ecb \u0111\u00e3 t\u00ecm \u0111\u1ebfn trang web Doctor D. vay 2,5 tri\u1ec7u \u0111\u1ed3ng trong v\u00f2ng 30 ng\u00e0y. S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i sau 30 ng\u00e0y l\u00e0 3,48 tri\u1ec7u \u0111\u1ed3ng. T\u00ednh ra l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 39,2%\/th\u00e1ng. N\u1ebfu t\u00ednh theo n\u0103m th\u00ec l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn h\u01a1n 470%\/n\u0103m.<\/p>\n

Bi\u1ebft qu\u00e1 cao nh\u01b0ng v\u00ec c\u1ea7n g\u1ea5p n\u00ean ch\u1ecb H. ph\u1ea3i “nh\u1eafm m\u1eaft” vay. Tuy nhi\u00ean khi \u0111\u1ebfn h\u1ea1n thanh to\u00e1n, d\u00f9 \u0111\u00e3 tr\u1ea3 \u0111\u1ee7 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i nh\u01b0ng c\u00f4ng ty v\u1eabn t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n kho\u1ea3n vay v\u1edbi ph\u00ed 1,2 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Ch\u1ecb H. kh\u00f4ng \u0111\u1ed3ng \u00fd tr\u1ea3 th\u00ec b\u1ecb kh\u1ee7ng b\u1ed1 \u0111i\u1ec7n tho\u1ea1i, th\u1eadm ch\u00ed c\u00f4ng ty c\u00f2n cho nh\u00e2n vi\u00ean \u0111\u1ebfn t\u1eadn ph\u00f2ng tr\u1ecd h\u00f9 d\u1ecda. Qu\u00e1 m\u1ec7t m\u1ecfi, cu\u1ed1i c\u00f9ng ch\u1ecb H. ph\u1ea3i tr\u1ea3 \u0111\u1ec3 tho\u00e1t n\u1ea1n.<\/p>\n

M\u1ed9t trang web kh\u00e1c c\u0169ng cho vay qua m\u1ea1ng t\u01b0\u01a1ng t\u1ef1 Doctor D. l\u00e0 Ti.. Trang web n\u00e0y qu\u1ea3ng c\u00e1o cho vay theo r\u1ea5t nhi\u1ec1u h\u00ecnh th\u1ee9c t\u1eeb t\u00edn ch\u1ea5p theo ng\u1ea1ch l\u01b0\u01a1ng, s\u1ed5 h\u1ed9 kh\u1ea9u, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc\u2026 \u0111\u1ebfn l\u1ea1 nh\u1ea5t l\u00e0 vay theo iCloud iPhone.<\/p>\n

G\u1ecdi \u0111\u1ebfn s\u1ed1 \u0111i\u1ec7n tho\u1ea1i ghi tr\u00ean trang web c\u00f4ng ty n\u00e0y, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cho bi\u1ebft v\u1edbi h\u00ecnh th\u1ee9c vay theo iCloud iPhone, nh\u00e2n vi\u00ean Ti. s\u1ebd \u0111\u0103ng nh\u1eadp v\u00e0o iCloud tr\u00ean \u0111i\u1ec7n tho\u1ea1i c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n

N\u1ebfu \u0111\u1ebfn h\u1ea1n m\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 th\u00ec Ti. s\u1ebd kh\u00f3a iCloud v\u00e0 \u0111i\u1ec7n tho\u1ea1i s\u1ebd kh\u00f4ng s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c n\u1eefa. S\u1ed1 ti\u1ec1n vay theo h\u00ecnh th\u1ee9c n\u00e0y s\u1ebd t\u00f9y thu\u1ed9c d\u00f2ng iPhone m\u00e0 ng\u01b0\u1eddi vay s\u1eed d\u1ee5ng, \u0111i\u1ec7n tho\u1ea1i c\u00e0ng c\u0169\u2026 ti\u1ec1n vay c\u00e0ng \u00edt.<\/p>\n

Tuy nhi\u00ean, trang web n\u00e0y khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi vay t\u00edn ch\u1ea5p b\u1eb1ng h\u00ecnh th\u1ee9c kh\u00e1c nh\u01b0 s\u1ed5 h\u1ed9 kh\u1ea9u, b\u1ea3ng l\u01b0\u01a1ng v\u00ec s\u1ed1 ti\u1ec1n vay c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 10 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o l\u00e0 1,5%\/th\u00e1ng (18%\/n\u0103m), nh\u01b0ng ch\u1ec9 l\u00e0 danh ngh\u0129a, tr\u00ean th\u1ef1c t\u1ebf ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c n\u00e0y.<\/p>\n

Ch\u1eb3ng h\u1ea1n vay 10 tri\u1ec7u, sau 30 ng\u00e0y ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 g\u1ed1c c\u1ed9ng v\u1edbi kho\u1ea3n l\u00e3i v\u00e0 ph\u00ed l\u00ean \u0111\u1ebfn 11,5 tri\u1ec7u \u0111\u1ed3ng. T\u00ednh ra, l\u00e3i su\u1ea5t th\u1eadt l\u00ean \u0111\u1ebfn 15%\/th\u00e1ng (180%\/n\u0103m).<\/p>\n

Ngo\u00e0i c\u00e1c trang web tr\u00ean, nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c hi\u1ec7n c\u0169ng \u0111ang \u0111\u1ea9y m\u1ea1nh cho vay v\u1edbi l\u00e3i su\u1ea5t cao, ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c kho\u1ea3ng 40%\/n\u0103m\u2026 Ng\u01b0\u1ee3c l\u1ea1i th\u1ee7 t\u1ee5c vay r\u1ea5t d\u1ec5, ch\u1ec9 trong v\u00f2ng 30-40 ph\u00fat n\u1ebfu ng\u01b0\u1eddi vay \u0111\u1ee7 th\u1ee7 t\u1ee5c, l\u1eadp t\u1ee9c \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n.<\/p>\n

\"\"<\/p>\n

T\u1edd qu\u1ea3ng c\u00e1o cho vay v\u1ed1n d\u00e1n tr\u00ean \u0111\u01b0\u1eddng V\u1ea1n Ki\u1ebfp, Q.B\u00ecnh Th\u1ea1nh, TP.HCM – \u1ea2nh: QUANG \u0110\u1ecaNH<\/p>\n

Ch\u00ednh vi\u1ec7c x\u00e9t duy\u1ec7t cho vay qu\u00e1 d\u1ec5 d\u00e0ng nh\u01b0ng l\u00e3i su\u1ea5t qu\u00e1 cao khi\u1ebfn vi\u1ec7c \u0111\u00f2i n\u1ee3 theo ki\u1ec3u giang h\u1ed3 c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng b\u00f9ng ph\u00e1t m\u1ea1nh th\u1eddi gian g\u1ea7n \u0111\u00e2y.<\/p>\n

\u0110\u00f2i n\u1ee3 ki\u1ec3u kh\u1ee7ng b\u1ed1<\/strong><\/p>\n

M\u1ed9t tu\u1ea7n tr\u01b0\u1edbc, ch\u1ecb H.O. (Q.3, TP.HCM) c\u0169ng ph\u1ea3i c\u1ea7u c\u1ee9u tr\u00ean Facebook c\u00e1 nh\u00e2n v\u1ec1 vi\u1ec7c b\u1ecb m\u1ed9t ng\u01b0\u1eddi t\u00ean P.T.T. vay ti\u1ec1n c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 b\u1ecb \u0111\u00f2i n\u1ee3 nh\u01b0ng l\u1ea1i d\u00f9ng d\u1ecbch v\u1ee5 chuy\u1ec3n h\u01b0\u1edbng cu\u1ed9c g\u1ecdi sang s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a ch\u1ecb, do ch\u1ecb n\u1eb1m trong danh s\u00e1ch tham chi\u1ebfu, khi\u1ebfn b\u1ed9 ph\u1eadn nh\u1eafc n\u1ee3 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ng\u00e0y n\u00e0o c\u0169ng g\u1ecdi \u0111i\u1ec7n tho\u1ea1i cho ch\u1ecb.<\/p>\n

“H\u1ecd g\u1ecdi ng\u00e0y \u0111\u00eam, k\u1ec3 c\u1ea3 cu\u1ed1i tu\u1ea7n. Kh\u00f4ng ch\u1ecbu n\u1ed5i, t\u00f4i ph\u1ea3i nh\u1edd ng\u01b0\u1eddi can thi\u1ec7p th\u00ec m\u1edbi ch\u1ea5m d\u1ee9t” – ch\u1ecb H.O. b\u1ee9c x\u00fac.<\/p>\n

T\u01b0\u01a1ng t\u1ef1 nh\u01b0 ch\u1ecb H.O., ch\u1ecb M\u1ebfn (Tr\u00e0 Vinh) cho bi\u1ebft m\u1ed9t ng\u01b0\u1eddi b\u1ea1n \u0111\u01b0a s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a ch\u1ecb v\u00e0o danh s\u00e1ch tham chi\u1ebfu cho c\u00f4ng ty t\u00e0i ch\u00ednh khi vay ti\u1ec1n.<\/p>\n

“Khi h\u1ecd n\u00f3i chuy\u1ec7n \u0111\u01b0a s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a m\u00ecnh cho c\u00f4ng ty t\u00e0i ch\u00ednh, t\u00f4i kh\u00f4ng h\u00ecnh dung s\u1ebd b\u1ecb “kh\u1ee7ng b\u1ed1” nh\u01b0 v\u1eady. H\u1ecd g\u1ecdi t\u00f4i li\u00ean t\u1ee5c, trong khi mu\u1ed1n t\u00f4i h\u1ed7 tr\u1ee3 nh\u1eafc n\u1ee3 l\u1ebd ra ph\u1ea3i n\u00f3i chuy\u1ec7n c\u00f3 v\u0103n h\u00f3a. \u0110\u1eb1ng n\u00e0y\u2026” – ch\u1ecb M\u1ebfn n\u00f3i.<\/p>\n

Ai qu\u1ea3n l\u00fd c\u00e1c trang web cho vay?<\/strong><\/p>\n

\"\"<\/p>\n

\u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh<\/p>\n

\u00d4ng Nguy\u1ec5n Ho\u00e0ng Minh, ph\u00f3 gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh TP.HCM, cho bi\u1ebft hi\u1ec7n \u0111\u01a1n v\u1ecb n\u00e0y ch\u01b0a c\u1ea5p ph\u00e9p cho t\u1ed5 ch\u1ee9c n\u00e0o ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi d\u1ea1ng cho vay th\u00f4ng qua c\u00e1c trang web.<\/p>\n

Theo chuy\u00ean gia t\u00e0i ch\u00ednh Nguy\u1ec5n Tr\u00ed Hi\u1ebfu: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh. Trong khi ti\u1ec7m c\u1ea7m \u0111\u1ed3 l\u1ea1i thu\u1ed9c ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a b\u1ed9, ng\u00e0nh kh\u00e1c. C\u00f2n c\u00e1c trang web cho vay l\u1ea1i kh\u00f4ng thu\u1ed9c ph\u1ea1m vi qu\u1ea3n l\u00fd c\u1ee7a c\u01a1 quan n\u00e0o. “\u0110\u00f3 ch\u00ednh l\u00e0 l\u1ed7 h\u1ed5ng m\u00e0 c\u00f4ng an ph\u1ea3i v\u00e0o cu\u1ed9c \u0111\u1ec3 ki\u1ec3m so\u00e1t”.<\/p>\n

C\u0169ng theo \u00f4ng Hi\u1ebfu, hi\u1ec7n nay vi\u1ec7c cho vay qua trang web c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau. Theo \u0111\u00f3, c\u00f3 tr\u01b0\u1eddng h\u1ee3p l\u00e0 doanh nghi\u1ec7p \u0111\u1ee9ng ra cho vay, nh\u01b0ng c\u0169ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p l\u00e1ch lu\u1eadt d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng, t\u1ee9c c\u00e1c c\u00e1 nh\u00e2n cho vay l\u1eabn nhau v\u00e0 ch\u1ee7 trang web ch\u1ec9 \u0111\u1ee9ng \u1edf gi\u1eefa v\u1edbi vai tr\u00f2 trung gian. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c r\u1ea5t m\u1edbi v\u00e0 ch\u01b0a c\u00f3 lu\u1eadt n\u00e0o chi ph\u1ed1i.<\/p>\n

C\u00f2n theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c –\u00a0<\/em>Gi\u00e1m<\/em> \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI,\u00a0<\/em>hi\u1ec7n nhi\u1ec1u trang web cho vay \u0111ang l\u00e1ch lu\u1eadt b\u1eb1ng c\u00e1ch th\u00e0nh l\u1eadp doanh nghi\u1ec7p v\u00e0 \u0111\u0103ng k\u00fd kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 nh\u01b0ng sau \u0111\u00f3 l\u1ea1i m\u1edf r\u1ed9ng ra cho vay nh\u01b0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/em><\/p>\n

Theo quy \u0111\u1ecbnh, n\u1ebfu l\u00e0 ti\u1ec7m c\u1ea7m \u0111\u1ed3 th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p cho vay c\u1ea7m c\u1ed1 \u0111\u1ed3 \u0111\u1ea1c\u2026 v\u00e0 khi ng\u01b0\u1eddi c\u1ea7m \u0111\u1ed3 kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 th\u00ec b\u00e1n \u0111\u1ed3 \u0111\u1ec3 x\u1eed l\u00fd ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i n\u1ee3. C\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p c\u1ea7m nh\u00e0 \u0111\u1ea5t v\u00e0 c\u00e1c gi\u1ea5y t\u1edd nh\u01b0 CMND, c\u00e1c lo\u1ea1i th\u1ebb\u2026 tuy nhi\u00ean hi\u1ec7n nhi\u1ec1u trang web ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p, cho vay t\u00edn ch\u1ea5p v\u00e0 thu h\u1ed3i n\u1ee3 nh\u01b0 m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0ng kh\u00f4ng ai qu\u1ea3n l\u00fd.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c c\u0169ng cho r\u1eb1ng theo B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh, l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 30%\/n\u0103m (n\u1ebfu qu\u00e1 h\u1ea1n). Nh\u01b0ng th\u1ef1c t\u1ebf c\u00e1c trang web cho vay n\u00e0y cho vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 300%\/n\u0103m.<\/em><\/p>\n

\"\"<\/p>\n

C\u00e1c h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p – D\u1eef li\u1ec7u: A.H\u1ed2NG – \u0110\u1ed3 h\u1ecda: V.C\u01af\u1edcNG<\/p>\n

Ph\u1ea3i c\u00f3 “v\u0103n h\u00f3a \u0111\u00f2i n\u1ee3”<\/strong><\/p>\n

Li\u00ean quan \u0111\u1ebfn ph\u1ea3n \u1ea3nh v\u1ec1 vi\u1ec7c \u0111\u00f2i n\u1ee3 ph\u1ea3n c\u1ea3m c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh cho bi\u1ebft s\u1eafp t\u1edbi s\u1ebd c\u00f3 m\u1ed9t s\u1ef1 thay \u0111\u1ed5i l\u1edbn trong vi\u1ec7c ban h\u00e0nh c\u00e1c v\u0103n b\u1ea3n nh\u1eb1m b\u1eaft bu\u1ed9c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u1ea7n ph\u1ea3i th\u1ef1c hi\u1ec7n v\u0103n h\u00f3a \u0111\u00f2i n\u1ee3.<\/p>\n

\u0110\u1ed3ng th\u1eddi, theo \u00f4ng, s\u1ebd si\u1ebft l\u1ea1i ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng trong c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. M\u1edbi \u0111\u00e2y, NHNN \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o c\u00e1c \u0111\u01a1n v\u1ecb tr\u1ef1c thu\u1ed9c l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh y\u00eau c\u1ea7u h\u1ecd d\u1eebng ngay bi\u1ec7n ph\u00e1p \u0111\u00f2i n\u1ee3 ki\u1ec3u “kh\u1ee7ng b\u1ed1” n\u00e0y.<\/p>\n

Theo chuy\u00ean gia B\u00f9i Quang T\u00edn, m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n khi\u1ebfn vi\u1ec7c \u0111\u00f2i n\u1ee3 ph\u1ea3n c\u1ea3m c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh li\u00ean t\u1ee5c di\u1ec5n ra l\u00e0 do c\u00e1c c\u00f4ng ty n\u00e0y s\u1eed d\u1ee5ng l\u1ef1c l\u01b0\u1ee3ng \u0111\u00f2i n\u1ee3 thu\u00ea. Nh\u1eefng con n\u1ee3 kh\u00f3 \u0111\u00f2i s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty n\u00e0y chuy\u1ec3n cho l\u1ef1c l\u01b0\u1ee3ng \u0111\u00f2i n\u1ee3 thu\u00ea, n\u1ebfu \u0111\u00f2i \u0111\u01b0\u1ee3c th\u00ec h\u1ecd h\u01b0\u1edfng t\u1eeb 30-70% s\u1ed1 ti\u1ec1n.<\/p>\n

Do t\u1ec9 l\u1ec7 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1edbn n\u00ean h\u1ecd d\u00f9ng \u0111\u1ee7 m\u1ecdi bi\u1ec7n ph\u00e1p \u0111\u1ec3 \u0111\u00f2i cho b\u1eb1ng \u0111\u01b0\u1ee3c. N\u1ebfu con n\u1ee3 l\u1ea9n tr\u1ed1n, h\u1ecd chuy\u1ec3n sang “kh\u1ee7ng b\u1ed1” b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n c\u00f3 t\u00ean trong danh s\u00e1ch tham chi\u1ebfu, th\u1eadm ch\u00ed t\u1ef1 “\u0111i\u1ec1u tra” s\u1ed1 \u0111i\u1ec7n tho\u1ea1i.<\/p>\n

“X\u1ea3y ra vi\u1ec7c n\u00e0y l\u00e0 do c\u01a1 quan qu\u1ea3n l\u00fd hi\u1ec7n m\u1edbi ch\u00fa tr\u1ecdng ki\u1ec3m so\u00e1t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1ec1 kh\u00e2u cho vay, c\u00f2n kh\u00e2u qu\u1ea3n l\u00fd sau vay l\u1ea1i bu\u00f4ng l\u1ecfng” – \u00f4ng T\u00edn n\u00f3i.<\/p>\n

C\u00f3 \u0111\u01b0\u1eddng d\u00e2y gi\u1ea3 m\u1ea1o h\u1ed3 s\u01a1 vay v\u1ed1n<\/strong><\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean, hi\u1ec7n tr\u00ean m\u1ea1ng \u0111\u00e3 h\u00ecnh th\u00e0nh c\u00e1c “\u0111\u01b0\u1eddng d\u00e2y” l\u00e0m gi\u1ea3 h\u1ed3 s\u01a1 vay v\u1ed1n ho\u1eb7c l\u00e0m th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 qua m\u1eb7t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

C\u1ee5 th\u1ec3, c\u00e1c d\u1ecbch v\u1ee5 l\u00e0m s\u1ed5 t\u1ea1m tr\u00fa – KT3, x\u00e1c nh\u1eadn b\u1ea3ng l\u01b0\u01a1ng… nh\u1eb1m m\u1ee5c \u0111\u00edch vay ti\u00eau d\u00f9ng ho\u1eb7c l\u00e0m th\u1ebb t\u00edn d\u1ee5ng m\u1ecdc l\u00ean nh\u01b0 n\u1ea5m sau m\u01b0a.<\/p>\n

Ch\u1ec9 c\u1ea7n v\u00e0o Google ho\u1eb7c v\u00e0o Facebook g\u00f5 c\u1ee5m t\u1eeb “d\u1ecbch v\u1ee5 l\u00e0m s\u1ed5 t\u1ea1m tr\u00fa – KT3” hay “x\u00e1c nh\u1eadn b\u1ea3ng l\u01b0\u01a1ng”… l\u1eadp t\u1ee9c cho ra h\u00e0ng lo\u1ea1t k\u1ebft qu\u1ea3. Nh\u1eefng n\u01a1i n\u00e0y th\u1eadm ch\u00ed c\u00f2n qu\u1ea3ng c\u00e1o l\u00e0 l\u00e0m nhanh, gi\u1ea5y t\u1edd th\u1eadt…<\/p>\n

\u00c1NH H\u1ed2NG<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014<\/strong><\/p>\n

Tu\u1ed5i tr\u1ebb (Kinh doanh) 05-7-2018:<\/em><\/strong><\/p>\n

https:\/\/tuoitre.vn\/cho-vay-nang-lai-bat-chap-doi-no-khung-bo-20180705081920117.htm<\/em><\/a><\/p>\n

(189\/1.589)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e3i su\u1ea5t m\u1ed7i n\u0103m ch\u1ec9 10-11%, vay t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 40% trong khi c\u00e1c website l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 300%-470%\/n\u0103m. Cho vay b\u1ea5t ch\u1ea5p d\u1eabn \u0111\u1ebfn mu\u00f4n n\u1ebbo \u0111\u00f2i n\u1ee3 ki\u1ec3u kh\u1ee7ng b\u1ed1. Rao v\u1eb7t cho vay ti\u1ec1n d\u00e1n kh\u1eafp n\u01a1i – \u1ea2nh: HO\u00c0NG […]<\/p>\n","protected":false},"author":3,"featured_media":12639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-12633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n2.221. 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Rao v\u1eb7t cho vay ti\u1ec1n d\u00e1n kh\u1eafp n\u01a1i – \u1ea2nh: HO\u00c0NG […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/2-221-cho-vay-nang-lai-bat-chap-doi-no-khung-bo\/\" \/>\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=\"2018-07-05T07:45:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-07T07:51:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2018\/07\/2221.1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"468\" \/>\n\t<meta property=\"og:image:height\" content=\"283\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\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 Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/vi\/2-221-cho-vay-nang-lai-bat-chap-doi-no-khung-bo\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/vi\/2-221-cho-vay-nang-lai-bat-chap-doi-no-khung-bo\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"2.221. 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