{"id":1386,"date":"2020-03-26T13:41:37","date_gmt":"2020-03-26T06:41:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=1386"},"modified":"2024-10-30T09:18:31","modified_gmt":"2024-10-30T02:18:31","slug":"259-phong-tranh-rui-ro-khi-mua-nha-chung-cu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/259-phong-tranh-rui-ro-khi-mua-nha-chung-cu\/","title":{"rendered":"259. Ph\u00f2ng tr\u00e1nh r\u1ee7i ro khi mua nh\u00e0 chung c\u01b0."},"content":{"rendered":"

Ph\u00f2ng tr\u00e1nh r\u1ee7i ro khi mua nh\u00e0 chung c\u01b0.<\/span><\/h4>\n
(KTSG) –<\/em>\u00a0<\/em>LTS: G\u1ea7n \u0111\u00e2y b\u00e1o ch\u00ed l\u1ea1i ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng m\u1ed9t d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c \u0111em th\u1ebf ch\u1ea5p \u0111\u1ebfn ba l\u1ea7n \u0111ang g\u00e2y r\u1ee7i ro cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t d\u1ef1 \u00e1n (s\u1ed5 \u0111\u1ecf) x\u00e2y d\u1ef1ng chung c\u01b0, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai l\u00e0 c\u00e1c c\u0103n h\u1ed9 chung c\u01b0, r\u1ed3i l\u1ea1i d\u00f9ng d\u1ef1 \u00e1n \u0111\u1ec3 b\u1ea3o l\u00e3nh ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng kh\u00f4ng giao nh\u00e0 \u0111\u00fang cam k\u1ebft\u2026(1). L\u00e0m sao \u0111\u1ec3 ph\u00f2ng, tr\u00e1nh r\u1ee7i ro khi mua nh\u00e0 chung c\u01b0 ti\u1ebfp t\u1ee5c l\u00e0 c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c r\u1ea5t<\/strong> nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m\u2026<\/strong><\/h5>\n

\"r\u1ee7i<\/p>\n

Mua nh\u00e0 chung c\u01b0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i nhi\u1ec1u r\u1ee7i ro, n\u00ean ng\u01b0\u1eddi mua c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9, nh\u1ea5t l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd, trong \u0111\u00f3 c\u00f3: \u0111i\u1ec1u ki\u1ec7n <\/em>\u0111\u01b0\u1ee3c mua b\u00e1n<\/em>, \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c <\/em>th\u1ebf ch\u1ea5p<\/em> v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c s\u1edf h\u1eefu<\/em> nh\u00e0 \u1edf<\/em>.<\/em><\/p>\n

\u0110i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c mua b\u00e1n nh\u00e0<\/strong> \u1edf<\/strong><\/p>\n

Nh\u00e0 chung c\u01b0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u1ec9 \u0111\u01b0\u1ee3c b\u00e1n khi c\u00f3 \u0111\u1ee7 3 \u0111i\u1ec1u ki\u1ec7n l\u00e0: \u0111\u00e3 x\u00e2y d\u1ef1ng xong m\u00f3ng, \u0111\u00e3 \u0111\u01b0\u1ee3c S\u1edf X\u00e2y d\u1ef1ng c\u00f3 th\u00f4ng b\u00e1o nh\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c b\u00e1n v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh vi\u1ec7c b\u00e1n nh\u00e0, trong \u0111\u00f3 \u0111i\u1ec1u ki\u1ec7n tr\u01b0\u1edbc l\u00e0 ti\u1ec1n \u0111\u1ec1 c\u1ee7a \u0111i\u1ec1u ki\u1ec7n sau.<\/p>\n

Nh\u01b0 v\u1eady, \u0111\u1ec3 an to\u00e0n ph\u00e1p l\u00fd th\u00ec khi k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 c\u1ea7n k\u00e8m theo Th\u00f4ng b\u00e1o c\u1ee7a S\u1edf X\u00e2y d\u1ef1ng. Tuy nhi\u00ean, c\u1ea7n xem k\u1ef9 v\u0103n b\u1ea3n n\u00e0y, v\u00ec c\u00f3 th\u1ec3 t\u00ean v\u0103n b\u1ea3n ghi l\u00e0 \u201cth\u00f4ng b\u00e1o nha\u0300 \u01a1\u0309 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u01a1\u0323c ba\u0301n\u201d, nh\u01b0ng n\u1ed9i dung l\u1ea1i th\u1ec3 hi\u1ec7n r\u1eb1ng ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. C\u00e1ch \u201cch\u00e9p\u201d nguy\u00ean m\u1ed9t \u0111o\u1ea1n v\u0103n c\u1ee7a Lu\u1eadt Nh\u00e0 \u1edf \u0111\u1ec3 \u0111\u01b0a v\u00e0o tr\u00edch y\u1ebfu c\u1ee7a v\u0103n b\u1ea3n nh\u01b0 v\u1eady r\u1ea5t d\u1ec5 g\u00e2y ra s\u1ef1 nh\u1ea7m l\u1eabn, th\u1eadm ch\u00ed \u0111\u00e1nh l\u1eeba ng\u01b0\u1eddi mua nh\u00e0.<\/p>\n

\u0110\u1ed3ng th\u1eddi, n\u1ebfu ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00e3 th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n ho\u1eb7c nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai th\u00ec tr\u01b0\u1edbc khi b\u00e1n nh\u00e0, s\u1ebd ph\u1ea3i gi\u1ea3i ch\u1ea5p b\u1edbt t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u00ean mua nh\u00e0 v\u00e0 ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u1ed3ng \u00fd cho ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u1ec1 vi\u1ec7c kh\u00f4ng c\u1ea7n gi\u1ea3i ch\u1ea5p, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 147.1, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014. Nh\u01b0 v\u1eady, \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro, th\u00ec ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng n\u00ean \u0111\u1ed3ng \u00fd cho ch\u1ee7 \u0111\u1ea7u t\u01b0 b\u00e1n nh\u00e0 m\u00e0 kh\u00f4ng gi\u1ea3i ch\u1ea5p b\u1edbt kh\u1ecfi d\u1ef1 \u00e1n.<\/p>\n

R\u1ee7i ro l\u1edbn nh\u1ea5t l\u00e0 v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e0n giao nh\u00e0 \u0111\u00fang h\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u01a1 b\u1ea3n lo\u1ea1i tr\u1eeb khi c\u00f3 s\u1ef1 tham gia b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c b\u00e1n nh\u00e0, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng c\u00f3 uy t\u00edn, kh\u00f4ng t\u00f4n tr\u1ecdng cam k\u1ebft v\u1edbi kh\u00e1ch h\u00e0ng ho\u1eb7c g\u1eb7p kh\u00f3 kh\u0103n, b\u1ebf t\u1eafc v\u1ec1 t\u00e0i ch\u00ednh. Ng\u01b0\u1eddi mua nh\u00e0 c\u00e0ng \u00edt g\u1eb7p r\u1ee7i ro h\u01a1n n\u1ebfu ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh b\u00e1n nh\u00e0 \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n v\u00e0 cho ch\u1ee7 \u0111\u1ea7u t\u01b0 vay v\u1ed1n x\u00e2y d\u1ef1ng, c\u0169ng nh\u01b0 vay v\u1ed1n mua nh\u00e0 c\u1ee7a ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3. V\u1edbi tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean b\u1ea3o l\u00e3nh, b\u00ean cho vay v\u00e0 b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u00e1n nh\u00e0, vi\u1ec7c s\u1eed d\u1ee5ng, thu h\u1ed3i v\u1ed1n vay, ti\u1ebfn \u0111\u1ed9 x\u00e2y d\u1ef1ng; vi\u1ec7c nh\u1eadn, qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 d\u1ef1 \u00e1n, nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n

Tuy nhi\u00ean ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n h\u1ebft s\u1ee9c l\u01b0u \u00fd v\u1edbi r\u1ee7i ro d\u1ec5 x\u1ea3y ra v\u00ec s\u1ef1 kh\u00f4ng r\u00f5 r\u00e0ng c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u201cph\u1ee7i tay\u201d cam k\u1ebft b\u1ea3o l\u00e3nh. \u0110i\u1ec1u kho\u1ea3n 56.2, Lu\u1eadt kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 quy \u0111\u1ecbnh: \u201cH\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh c\u00f3 th\u1eddi h\u1ea1n cho \u0111\u1ebfn khi nh\u00e0 \u1edf \u0111\u01b0\u1ee3c b\u00e0n giao cho b\u00ean mua\u201d, t\u1ee9c l\u00e0 v\u1ec1 nguy\u00ean t\u1eafc ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ea3o l\u00e3nh cho \u0111\u1ebfn khi ng\u01b0\u1eddi mua nh\u1eadn \u0111\u01b0\u1ee3c nh\u00e0 tr\u00ean th\u1ef1c t\u1ebf, d\u00f9 ch\u1eadm tr\u1ec5 bao nhi\u00eau n\u0103m. Tuy nhi\u00ean \u0110i\u1ec1u kho\u1ea3n 12.4.c, Th\u00f4ng t\u01b0 s\u1ed1 07\/2015\/TT-NHNN l\u1ea1i quy \u0111\u1ecbnh: Th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a cam k\u1ebft b\u1ea3o l\u00e3nh \u201ccho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u00edt nh\u1ea5t sau 30 ng\u00e0y k\u1ec3 t\u1eeb th\u1eddi h\u1ea1n giao, nh\u1eadn nh\u00e0 \u0111\u00e3 cam k\u1ebft quy \u0111\u1ecbnh t\u1ea1i h\u1ee3p \u0111\u1ed3ng mua\u201d. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0, n\u1ebfu qu\u00e1 th\u1eddi h\u1ea1n b\u00e0n giao nh\u00e0 1 th\u00e1ng th\u00ec ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh v\u00e0 kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m ho\u00e0n l\u1ea1i ti\u1ec1n mua cho kh\u00e1ch h\u00e0ng. Do v\u1eady, ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 ngay trong th\u1eddi h\u1ea1n 1 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y ch\u1eadm b\u00e0n giao. Ngo\u00e0i ra c\u0169ng c\u1ea7n l\u01b0u \u00fd, ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ea3o l\u00e3nh v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng nh\u00e0 \u1edf v\u00e0 th\u1eddi h\u1ea1n ho\u00e0n th\u00e0nh c\u00e1c c\u00f4ng tr\u00ecnh kh\u00e1c li\u00ean quan \u0111\u1ebfn c\u0103n h\u1ed9 mua b\u00e1n.<\/p>\n

T\u00f3m l\u1ea1i, n\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng cho vay, nh\u1eadn th\u1ebf ch\u1ea5p v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n \u0111\u00fang ph\u00e1p lu\u1eadt th\u00ec kh\u00f4ng g\u00e2y ra r\u1ee7i ro \u0111\u00e1ng k\u1ec3 cho ng\u01b0\u1eddi mua nh\u00e0, k\u1ec3\u00a0 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p d\u1ef1 \u00e1n v\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai b\u1ecb th\u1ebf ch\u1ea5p tr\u01b0\u1edbc hay sau khi mua b\u00e1n.<\/p>\n

\u0110i\u1ec1u ki\u1ec7n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf<\/strong><\/p>\n

Ngo\u00e0i vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t, ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f2n c\u00f3 quy\u1ec1n th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n v\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Tuy nhi\u00ean, vi\u1ec7c th\u1ebf ch\u1ea5p ch\u1ec9 h\u1ee3p ph\u00e1p khi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

Th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n l\u00e0 vi\u1ec7c th\u1ebf ch\u1ea5p to\u00e0n b\u1ed9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, g\u1ed3m c\u1ea3 t\u00e0i s\u1ea3n hi\u1ec7n h\u1eefu v\u00e0 t\u00e0i s\u1ea3n s\u1ebd h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. T\u00f9y tr\u01b0\u1eddng h\u1ee3p, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p ri\u00eang ho\u1eb7c chung trong d\u1ef1 \u00e1n. V\u00ed d\u1ee5, kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p lo\u1ea1i quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u00ea tr\u1ea3 ti\u1ec1n h\u1eb1ng n\u0103m. Tuy nhi\u00ean, vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ri\u00eang hay trong d\u1ef1 \u00e1n g\u1ea7n nh\u01b0 kh\u00f4ng g\u00e2y r\u1ee7i ro \u0111\u1ebfn quy\u1ec1n s\u1edf h\u1eefu c\u0103n h\u1ed9 c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0.<\/p>\n

Ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n ho\u1eb7c nh\u00e0 \u1edf trong d\u1ef1 \u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 vay v\u1ed1n \u0111\u00e2\u0300u t\u01b0 cho d\u1ef1 \u00e1n ho\u0103\u0323c x\u00e2y d\u01b0\u0323ng nh\u00e0 \u1edf \u0111o\u0301, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p cho t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c, theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec1u 147 v\u00e0 148, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf hi\u0300nh tha\u0300nh trong t\u01b0\u01a1ng lai th\u00ec nh\u00e0 \u0111\u00f3 ph\u1ea3i kh\u00f4ng n\u1eb1m trong m\u1ed9t ph\u00e2\u0300n ho\u1eb7c toa\u0300n b\u00f4\u0323 d\u1ef1 \u00e1n \u0111\u00e3 th\u1ebf ch\u1ea5p, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 148.1.b, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014.<\/p>\n

N\u1ebfu \u0111\u00e3 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ed3ng th\u1eddi th\u1ebf ch\u1ea5p quy\u1ec1n t\u00e0i s\u1ea3n ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 \u1edf v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 5, Th\u00f4ng t\u01b0 s\u1ed1 09\/2019\/TT-BTP (tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 \u0110i\u1ec1u 11, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 09\/2016\/TTLT-BTP-BTNMT); n\u1ebfu ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00e3 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, th\u00ec ph\u1ea3i lo\u1ea1i tr\u1eeb kh\u1ecfi khi th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n \u0111\u00f3; n\u1ebfu \u0111\u00e3 th\u1ebf ch\u1ea5p quy\u1ec1n t\u00e0i s\u1ea3n li\u00ean quan \u0111\u1ebfn d\u1ef1 \u00e1n ho\u1eb7c nh\u00e0 \u1edf th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n ho\u1eb7c nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u00f3 theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 3.5 v\u00e0 3.6, Th\u00f4ng t\u01b0 s\u1ed1 26\/2015\/TT-NHNN.<\/p>\n

Nh\u01b0 v\u1eady, n\u1ebfu nh\u01b0 vi\u1ec7c th\u1ebf ch\u1ea5p b\u1ea5t d\u1ef1 \u00e1n hay c\u0103n h\u1ed9 b\u00e1n cho ng\u01b0\u1eddi mua b\u1ea5t h\u1ee3p ph\u00e1p th\u00ec kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd, t\u1ee9c l\u00e0 kh\u00f4ng c\u00f3 quy\u1ec1n \u01b0u ti\u00ean thanh to\u00e1n c\u0169ng nh\u01b0 x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 ng\u01b0\u1eddi mua s\u1ebd kh\u00f4ng b\u1ecb r\u1ee7i ro tr\u1ef1c ti\u1ebfp.<\/p>\n

\u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c s\u1edf h\u1eefu<\/strong> nh\u00e0 \u1edf<\/strong><\/p>\n

B\u00ean mua c\u00f3 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf t\u1eeb th\u1eddi \u0111i\u1ec3m nh\u00e2\u0323n ba\u0300n giao nha\u0300 ho\u1eb7c thanh to\u00e1n \u0111\u1ee7 ti\u1ec1n mua nh\u00e0 cho ch\u1ee7 \u0111\u1ea7u t\u01b0, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c khi mua nh\u00e0 c\u1ee7a doanh nghi\u00ea\u0323p kinh doanh b\u00e2\u0301t \u0111\u00f4\u0323ng sa\u0309n, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 12.3, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua \u0111\u00e3 c\u00f3 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf, th\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f2n r\u1ee7i ro v\u1ec1 vi\u1ec7c quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, d\u1ef1 \u00e1n ho\u1eb7c c\u0103n h\u1ed9 b\u1ecb ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ebf ch\u1ea5p c\u1ea3 tr\u01b0\u1edbc ho\u1eb7c sau khi kh\u00e1ch h\u00e0ng mua nh\u00e0. V\u00ec ch\u1ee7 s\u1edf h\u1eefu l\u00e0 ng\u01b0\u1eddi c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy\u1ec1n chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng v\u00e0 \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n l\u00e0 c\u0103n h\u1ed9. C\u1ee5 th\u1ec3 l\u00e0 ch\u1ee7 s\u1edf h\u1eefu \u201c\u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ecdi h\u00e0nh vi theo \u00fd ch\u00ed c\u1ee7a m\u00ecnh \u0111\u1ec3 n\u1eafm gi\u1eef, chi ph\u1ed1i t\u00e0i s\u1ea3n\u201d; “\u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n theo \u00fd ch\u00ed c\u1ee7a m\u00ecnh\u201d; \u201cc\u00f3 quy\u1ec1n b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho, cho vay, \u0111\u1ec3 th\u1eeba k\u1ebf, t\u1eeb b\u1ecf quy\u1ec1n s\u1edf h\u1eefu, ti\u00eau d\u00f9ng, ti\u00eau h\u1ee7y ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ecbnh \u0111o\u1ea1t kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n\u201d, theo quy \u0111\u1ecbnh t\u1ea1i c\u00e1c \u0111i\u1ec1u 186, 190 v\u00e0 194, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Tuy nhi\u00ean, g\u1ea7n \u0111\u00e2y kh\u00e1ch h\u00e0ng r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ec1n s\u1edf h\u1eefu t\u1eeb vi\u1ec7c \u0111\u00e3 thanh to\u00e1n \u0111\u1ee7, v\u00ec \u0110i\u1ec1u kho\u1ea3n 57.1, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 quy \u0111\u1ecbnh ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1ec9 \u0111\u01b0\u1ee3c thu kh\u00f4ng qu\u00e1 70% (kh\u00f4ng qu\u00e1 50% n\u1ebfu l\u00e0 doanh nghi\u1ec7p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i b\u00e1n nh\u00e0) gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng mua b\u00e1n khi ch\u01b0a b\u00e0n giao nh\u00e0 cho kh\u00e1ch h\u00e0ng. V\u00e0 nh\u00e0 \u0111\u00e3 b\u00e0n giao r\u1ed3i m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu th\u00ec b\u00ean b\u00e1n c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c thu qu\u00e1 95% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 13.3, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p b\u00e0n giao nh\u00e0 cho kh\u00e1ch h\u00e0ng khi \u0111\u00e3 ho\u00e0n th\u00e0nh xong vi\u1ec7c x\u00e2y d\u1ef1ng nh\u00e0 v\u00e0 c\u00e1c c\u00f4ng tr\u00ecnh h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt, h\u1ea1 t\u1ea7ng x\u00e3 h\u1ed9i theo ti\u1ebfn \u0111\u1ed9 ghi trong d\u1ef1 \u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t, b\u1ea3o \u0111\u1ea3m k\u1ebft n\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng h\u1ea1 t\u1ea7ng chung c\u1ee7a khu v\u1ef1c; tr\u01b0\u1eddng h\u1ee3p b\u00e0n giao nh\u00e0 x\u00e2y d\u1ef1ng th\u00f4 th\u00ec ph\u1ea3i ho\u00e0n thi\u1ec7n to\u00e0n b\u1ed9 ph\u1ea7n m\u1eb7t ngo\u00e0i c\u1ee7a nh\u00e0. Do \u0111\u00f3, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn b\u00e0n giao nh\u00e0 ngay t\u1eeb khi x\u00e2y th\u00f4 xong v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng n\u00ean tho\u1ea3 thu\u1eadn l\u00f9i \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c s\u1edf h\u1eefu nh\u00e0 theo lu\u1eadt \u0111\u1ecbnh.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1edbi vi\u1ec7c \u0111\u01b0\u1ee3c v\u00e0o \u1edf hay \u0111\u01b0\u1ee3c b\u00e1n nh\u00e0. Nh\u00e0 \u1edf chung c\u01b0 ch\u1ec9 ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o khai th\u00e1c, s\u1eed d\u1ee5ng sau khi c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng \u0111\u00e3 \u0111\u01b0\u1ee3c nghi\u1ec7m thu b\u1ea3o \u0111\u1ea3m y\u00eau c\u1ea7u c\u1ee7a thi\u1ebft k\u1ebf x\u00e2y d\u1ef1ng, ti\u00eau chu\u1ea9n \u00e1p d\u1ee5ng, quy chu\u1ea9n k\u1ef9 thu\u1eadt, trong \u0111\u00f3 c\u00f3 \u0111i\u1ec1u ki\u1ec7n an to\u00e0n v\u1ec1 ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y, theo k\u1ebft lu\u1eadn ki\u1ec3m tra c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u1ec1 x\u00e2y d\u1ef1ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 123.1.b, Lu\u1eadt X\u00e2y d\u1ef1ng n\u0103m 2014 v\u00e0 \u0110i\u1ec1u 32, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 15\/2013\/N\u0110-CP.<\/p>\n

Ng\u01b0\u1eddi mua nh\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c b\u00e1n, trao \u0111\u1ed5i, t\u1eb7ng cho, th\u1ebf ch\u1ea5p nh\u00e0 \u1edf sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 118, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014 v\u00e0 \u0110i\u1ec1u 9, Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014.<\/p>\n

T\u00f3m l\u1ea1i, \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 nguy c\u01a1 kh\u00f4ng b\u00e0n giao nh\u00e0 \u1edf \u0111\u00fang h\u1ea1n, th\u00ec ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n nhanh ch\u00f3ng y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 ho\u00e0n l\u1ea1i ti\u1ec1n ho\u1eb7c x\u1eed l\u00fd theo h\u01b0\u1edbng nh\u1eadn b\u00e0n giao s\u1edbm nh\u1ea5t c\u00f3 th\u1ec3 (k\u1ec3 t\u1eeb khi x\u00e2y xong ph\u1ea7n th\u00f4).<\/p>\n

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

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/em><\/strong><\/p>\n

Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/p>\n

————————-<\/p>\n

Th\u1eddi b\u00e1o <\/em>Kinh t\u1ebf S\u00e0i G\u00f2n<\/em> 26-3-2020:<\/em><\/p>\n

https:\/\/www.thesaigontimes.vn\/301510\/phong-tranh-rui-ro-khi-mua-nha-chung-cu-.html<\/a><\/em><\/p>\n

(2.000)<\/em><\/p>\n

\u00a0<\/strong><\/p>\n

 <\/p>\n

 ","protected":false},"excerpt":{"rendered":"

Ph\u00f2ng tr\u00e1nh r\u1ee7i ro khi mua nh\u00e0 chung c\u01b0. (KTSG) –\u00a0LTS: G\u1ea7n \u0111\u00e2y b\u00e1o ch\u00ed l\u1ea1i ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng m\u1ed9t d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c \u0111em th\u1ebf ch\u1ea5p \u0111\u1ebfn ba l\u1ea7n \u0111ang g\u00e2y r\u1ee7i ro cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t d\u1ef1 \u00e1n (s\u1ed5 […]<\/p>\n","protected":false},"author":1,"featured_media":1387,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[42,36],"class_list":["post-1386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n259. 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