{"id":14035,"date":"2017-11-21T10:27:18","date_gmt":"2017-11-21T03:27:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=14035"},"modified":"2022-03-18T10:34:17","modified_gmt":"2022-03-18T03:34:17","slug":"1-902-giai-phap-tai-chinh-cho-nguoi-mua-nha","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-902-giai-phap-tai-chinh-cho-nguoi-mua-nha\/","title":{"rendered":"1.902. Gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi mua nh\u00e0"},"content":{"rendered":"(ANTT) – Trong b\u1ed1i c\u1ea3nh ngu\u1ed3n cung b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang t\u0103ng, c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1ebd l\u00e0m g\u00ec \u0111\u1ec3 c\u1ea1nh tranh nhau? Mua nh\u00e0 d\u1ef1 \u00e1n b\u00e2y gi\u1edd kh\u00f4ng ch\u1ec9 \u0111\u1eb7t ni\u1ec1m tin v\u00e0o ch\u1ee7 \u0111\u1ea7u t\u01b0, m\u00e0 c\u00f2n \u0111\u1eb7t ni\u1ec1m tin v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

H\u00f4m nay (21\/11) chuy\u00ean trang \u0111i\u1ec7n t\u1eed An ninh ti\u1ec1n t\u1ec7 (www.antt.vn<\/a>) – B\u00e1o \u0111i\u1ec7n t\u1eed Ng\u01b0\u1eddi \u0111\u01b0a tin (www.nguoiduatin<\/a>)\u00a0 – B\u00e1o \u0110\u1eddi s\u1ed1ng v\u00e0 Ph\u00e1p lu\u1eadt (www.doisongphapluat.com<\/a>) – C\u01a1 quan ng\u00f4n lu\u1eadn c\u1ee7a Trung \u01b0\u01a1ng H\u1ed9i lu\u1eadt gia Vi\u1ec7t Nam ph\u1ed1i h\u1ee3p t\u1ed5 ch\u1ee9c ch\u01b0\u01a1ng tr\u00ecnh giao l\u01b0u tr\u1ef1c tuy\u1ebfn v\u1edbi ch\u1ee7 \u0111\u1ec1:\u00a0Gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh cho c\u00e1c d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ng\u01b0\u1eddi mua nh\u00e0,\u00a0<\/strong><\/em>v\u1edbi s\u1ef1 tham gia tr\u1ea3 l\u1eddi c\u1ee7a c\u00e1c di\u1ec5n gi\u1ea3 g\u1ed3m: \u0110\u1ea1i di\u1ec7n doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u1ea1i di\u1ec7n ng\u00e2n h\u00e0ng, Chuy\u00ean gia T\u00e0i ch\u00ednh, Lu\u1eadt s\u01b0, \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam.<\/p>\n

\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u01b0\u1ee3c vai tr\u00f2 c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u00ec c\u1ea7n d\u1ef1a tr\u00ean nh\u1eefng ph\u01b0\u01a1ng di\u1ec7n n\u00e0o? \u0110\u1ed1i v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0, vi\u1ec7c b\u1ea3o l\u00e3nh ti\u1ebfn \u0111\u1ed9 c\u00f3 k\u00edch ho\u1ea1t ni\u1ec1m tin \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 hay kh\u00f4ng? Vai tr\u00f2 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ebfn \u0111\u00e2u trong quy tr\u00ecnh vay v\u1ed1n n\u00e0y? C\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u1eb7t ni\u1ec1m tin xem nh\u01b0 \u0111\u00e3 v\u01b0\u1ee3t qua b\u00e0i thi \u201cs\u00e1t h\u1ea1ch\u201d quan tr\u1ecdng v\u1ec1 t\u00ednh ph\u00e1p l\u00fd d\u1ef1 \u00e1n v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 ki\u00eam lu\u00f4n vai tr\u00f2 ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng d\u1ef1 \u00e1n.<\/p>\n

T\u1ea5t c\u1ea3 nh\u1eefng c\u00e2u h\u1ecfi n\u00f3ng s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c kh\u00e1ch m\u1eddi – chuy\u00ean gia trong l\u0129nh v\u1ef1c T\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng – b\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1ed3m:<\/p>\n

– \u00d4ng Nguy\u1ec5n M\u1ea1nh H\u00e0 – Ph\u00f3 Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i b\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam & Ch\u1ee7 t\u1ecbch H\u1ed9i m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam<\/strong><\/em><\/p>\n

– Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI- Th\u00e0nh vi\u00ean Ban Ch\u1ee7 nhi\u1ec7m (nguy\u00ean Ch\u1ee7 nhi\u1ec7m) C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam – VNBA);<\/strong><\/em><\/p>\n

– Lu\u1eadt s\u01b0 H\u00e0 Huy Phong- Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u00f4ng ty lu\u1eadt INTECO;<\/strong><\/em><\/p>\n

– B\u00e0\u00a0Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n<\/strong><\/em>\u00a0–\u00a0Ng\u00e2n h\u00e0ng PVcomBank;<\/strong><\/em><\/p>\n

–\u00a0<\/strong><\/em>\u00d4ng L\u00ea Ng\u1ecdc Qu\u00fd – Tr\u01b0\u1edfng ph\u00f2ng kinh doanh – C\u00f4ng ty c\u1ed5 ph\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 kinh doanh Quang Minh<\/em><\/strong><\/p>\n

Ch\u01b0\u01a1ng tr\u00ecnh c\u00f2n c\u00f3 s\u1ef1 \u0111\u1ed3ng h\u00e0nh c\u1ee7a Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam- BIDV, T\u1eadp \u0111o\u00e0n Nam C\u01b0\u1eddng.<\/em><\/strong><\/p>\n

C\u00e1c kh\u00e1ch m\u1eddi \u0111\u1ebfn tham d\u1ef1 ch\u01b0\u01a1ng tr\u00ecnh giao l\u01b0u tr\u1ef1c tuy\u1ebfn<\/em><\/p>\n

\"\"<\/p>\n

\u0110\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u c\u00e2u h\u1ecfi c\u1ee7a \u0111\u1ed9c gi\u1ea3 g\u1eedi v\u1ec1 cho ch\u01b0\u01a1ng tr\u00ecnh<\/em><\/p>\n

Nh\u1eefng th\u1eafc m\u1eafc c\u1ee7a \u0111\u1ed9c gi\u1ea3 vui l\u00f2ng ti\u1ebfp t\u1ee5c g\u1eedi v\u1ec1 email: toasoan@antt.vn, ho\u1eb7c trong ph\u1ea7n b\u00ecnh lu\u1eadn d\u01b0\u1edbi b\u00e0i vi\u1ebft.<\/p>\n

1.1.1.1.1\u00a0\u00a0\u00a0\u00a0\u00a0 N\u1ed8I DUNG GIAO L\u01afU( T\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt sau 7s )<\/em><\/h5>\n

Anh Do\u00e3n Trung (Ho\u00e0i \u0110\u1ee9c, H\u00e0 N\u1ed9i):<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng c\u00f3 l\u1eddi khuy\u00ean n\u00e0o d\u00e0nh cho ng\u01b0\u1eddi d\u00e2n \u0111ang c\u00f3 nhu c\u1ea7u mua nh\u00e0 \u1edf hi\u1ec7n nay kh\u00f4ng?<\/em><\/p>\n

B\u00e0\u00a0Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n-\u00a0 Ng\u00e2n h\u00e0ng PVcomBank:<\/strong><\/p>\n

V\u1edbi \u0111a s\u1ed1 ch\u00fang ta, mua nh\u00e0 l\u00e0 vi\u1ec7c r\u1ea5t quan tr\u1ecdng. V\u1eady n\u00ean, tr\u01b0\u1edbc khi ra quy\u1ebft \u0111\u1ecbnh, c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1:<\/p>\n

Th\u1ee9 nh\u1ea5t l\u00e0\u00a0di\u1ec7n t\u00edch, gi\u00e1 tr\u1ecb c\u0103n nh\u00e0<\/em><\/strong>: Di\u1ec7n t\u00edch, gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 b\u1ea1n mua ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 nhu c\u1ea7u s\u1eed d\u1ee5ng c\u1ee7a gia \u0111\u00ecnh b\u1ea1n. Tr\u01b0\u1edbc khi mua nh\u00e0, b\u1ea1n c\u1ea7n t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 b\u1ea1n \u0111\u00e3 c\u00f3 bao nhi\u00eau ti\u1ec1n, c\u1ea7n \u0111i vay bao nhi\u00eau. V\u1edbi s\u1ed1 ti\u1ec1n \u0111i vay, b\u1ea1n c\u0169ng c\u1ea7n l\u00ean k\u1ebf ho\u1ea1ch \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng v\u1ec1 k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p \u0111i vay xong l\u1ea1i g\u1eb7p kh\u00f3 kh\u0103n trong k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 d\u1eabn \u0111\u1ebfn n\u1ee3 x\u1ea5u ho\u1eb7c b\u1ecb Ng\u00e2n h\u00e0ng thu h\u1ed3i t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n

Hai l\u00e0,\u00a0V\u1ecb tr\u00ed c\u0103n nh\u00e0<\/strong><\/em>: \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o c\u0103n nh\u00e0 b\u1ea1n mua s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u, s\u1edf th\u00edch c\u1ee7a b\u1ea1n v\u00e0 ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh, m\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng ch\u1ecdn nh\u00e0 g\u1ea7n v\u1edbi c\u01a1 quan l\u00e0m vi\u1ec7c ho\u1eb7c g\u1ea7n tr\u01b0\u1eddng h\u1ecdc c\u1ee7a con c\u00e1i. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn m\u1ed9t c\u0103n h\u1ed9 \u1edf xa trung t\u00e2m m\u1ed9t ch\u00fat nh\u01b0ng giao th\u00f4ng thu\u1eadn ti\u1ec7n.<\/p>\n

Ba l\u00e0,\u00a0M\u00f4i tr\u01b0\u1eddng, d\u00e2n tr\u00ed:<\/strong><\/em>\u00a0Ng\u00e0y nay, c\u0169ng r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m \u0111\u1ebfn m\u00f4i tr\u01b0\u1eddng, d\u00e2n tr\u00ed xung quanh n\u01a1i b\u1ea1n s\u1ed1ng. Gi\u1ed1ng nh\u01b0 c\u00e2u \u201cb\u00e1n anh em xa mua l\u00e1ng gi\u1ec1ng g\u00e2n\u201d, m\u00f4i tr\u01b0\u1eddng xung quanh d\u00e2n tr\u00ed cao, tho\u00e1ng m\u00e1t, nhi\u1ec1u ti\u1ec7n \u00edch s\u1ebd n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng c\u1ee7a gia \u0111\u00ecnh b\u1ea1n.<\/p>\n

Cu\u1ed1i c\u00f9ng,\u00a0<\/strong>n\u0103ng l\u1ef1c\/uy t\u00edn Ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n b\u1ea1n chu\u1ea9n b\u1ecb \u0111\u1ea7u t\u01b0<\/strong><\/em>\u00a0<\/em>l\u00e0 r\u1ea5t quan trong. B\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 tr\u01b0\u1edbc, n\u1ebfu kh\u00f4ng \u0111\u1ea7u t\u01b0 v\u00e0o s\u1ebd r\u1ea5t r\u1ee7i ro.<\/p>\n

Anh C\u00f4ng Minh (34 tu\u1ed5i, Qu\u1ea3ng Nam):\u00a0<\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng c\u0103n h\u1ed9 \u0111\u1ec3 b\u00e1n \u0111\u00e3 s\u00f4i \u0111\u1ed9ng tr\u1edf l\u1ea1i, sau khi c\u00e1c doanh nghi\u1ec7p \u0111\u01b0a ra chi\u1ebfn l\u01b0\u1ee3c m\u1edf b\u00e1n v\u00e0 \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p. S\u1ed1 c\u0103n ch\u00e0o b\u00e1n m\u1edbi v\u00e0 s\u1ed1 c\u0103n ti\u00eau th\u1ee5 \u0111\u1ec1u t\u0103ng. \u0110\u1ec3 h\u1ea5p th\u1ee5 \u0111\u01b0\u1ee3c s\u1ed1 l\u01b0\u1ee3ng c\u0103n h\u1ed9 b\u00e1n ra ng\u00e0y c\u00e0ng nhi\u1ec1u, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u1ed3ng lo\u1ea1t tung c\u00e1c g\u00f3i t\u00edn d\u1ee5ng t\u00e0i tr\u1ee3 v\u1ed1n vay cho ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi mua nh\u00e0.<\/em><\/p>\n

Th\u00f4ng th\u01b0\u1eddng c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai t\u1ea1i d\u1ef1 \u00e1n v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0, m\u1eb7t kh\u00e1c s\u1ebd t\u00e0i tr\u1ee3 v\u1ed1n cho kh\u00e1ch h\u00e0ng mua nh\u00e0 d\u1ef1 \u00e1n \u0111\u00f3. Kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p, ng\u00e2n h\u00e0ng cho ph\u00e9p th\u1eddi gian \u00e2n ho\u1ea1n kho\u1ea3n vay t\u1eeb 12 \u0111\u1ebfn 24 th\u00e1ng.<\/em><\/p>\n

T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro, ch\u1ecbu s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a quy \u0111\u1ecbnh, th\u00f4ng t\u01b0 c\u1ee7a NHNN. Theo c\u00f4ng v\u0103n s\u1ed1 7076\/NHNN-TD, NHNN \u0111\u1ec1 ngh\u1ecb c\u00e1c ng\u00e2n h\u00e0ng h\u1ea1n ch\u1ebf v\u00e0 th\u1eadn tr\u1ecdng khi xem x\u00e9t, th\u1ea9m \u0111\u1ecbnh d\u1ef1 \u00e1n, quy\u1ebft \u0111\u1ecbnh cho vay c\u00e1c d\u1ef1 \u00e1n m\u1edbi \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i cao c\u1ea5p, khu ngh\u1ec9 d\u01b0\u1ee1ng, d\u1ef1 \u00e1n c\u00f3 kh\u1ea3 n\u0103ng thanh kho\u1ea3n th\u1ea5p.<\/em><\/p>\n

V\u1eady ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i l\u00e0m g\u00ec \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong tr\u01b0\u1eddng h\u1ee3p x\u1ea5u nh\u1ea5t?<\/em><\/p>\n

B\u00e0\u00a0Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n –\u00a0 Ng\u00e2n h\u00e0ng PVcomBank:<\/strong><\/p>\n

M\u1ed7i m\u1ed9t d\u1ef1 \u00e1n B\u0110S s\u1ebd c\u00f3 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng kh\u00e1c nhau. Do v\u1eady, khi cho vay, ng\u00e2n h\u00e0ng c\u1ea7n x\u00e1c \u0111\u1ecbnh c\u00e1c d\u1ef1 \u00e1n ph\u00f9 h\u1ee3p v\u1edbi ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng v\u00e0 s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh.<\/p>\n

T\u1ea1i PVcomBank, ch\u00fang t\u00f4i quan t\u00e2m \u0111\u1ebfn y\u1ebfu t\u1ed1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, do v\u1eady, nh\u1eefng d\u01b0 \u00e1n B\u0110S m\u00e0 PVcomBank h\u01b0\u1edbng \u0111\u1ebfn l\u00e0 c\u00e1c d\u1ef1 \u00e1n B\u0110S ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u mua nh\u00e0 \u0111\u1ec3 \u1edf c\u1ee7a m\u1ecdi t\u1ea7ng l\u1edbp d\u00e2n c\u01b0. Khi cho vay B\u0110S, \u0111\u1eb7c bi\u1ec7t l\u00e0 B\u0110S d\u1ef1 \u00e1n, vi\u1ec7c th\u1ea9m \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u1ee7a Ch\u1ee7 \u0111\u1ea7u t\u01b0, kh\u1ea3 n\u0103ng thanh kho\u1ea3n d\u1ef1 \u00e1n l\u00e0 r\u1ea5t quan tr\u1ecdng. C\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay c\u0169ng \u0111ang theo h\u01b0\u1edbng cho vay t\u1eeb Ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ch\u00ednh c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n mua nh\u00e0 c\u1ee7a d\u1ef1 \u00e1n \u0111\u00f3.<\/p>\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro, ng\u00e2n h\u00e0ng c\u1ea7n n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng th\u1ea9m \u0111\u1ecbnh Ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u0169ng nh\u01b0 th\u1ea9m \u0111\u1ecbnh d\u1ef1 \u00e1n ngay t\u1eeb \u0111\u1ea7u \u0111\u1ec3 t\u00e0i tr\u1ee3 cho \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng. Khi ch\u00fang ta l\u00e0m \u0111\u00fang v\u00e0 l\u00e0m t\u1ed1t ngay t\u1eeb \u0111\u1ea7u th\u00ec c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo s\u1ebd t\u1ed1t cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 Ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

\u0110\u1ed9c gi\u1ea3 Th\u00fay Qu\u1ef3nh (TP HCM):<\/strong><\/p>\n

Kh\u00f4ng \u00edt nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f2n non kinh nghi\u1ec7m v\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng v\u1eabn li\u00ean t\u1ee5c v\u1ea5p ph\u1ea3i v\u00f4 s\u1ed1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd nh\u01b0 th\u1ee7 t\u1ee5c, thu\u1ebf ph\u00ed\u2026 ph\u00e1t sinh khi th\u1ef1c hi\u1ec7n giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n (mua b\u00e1n, t\u1eb7ng cho, sang t\u00ean\u2026).<\/em><\/p>\n

C\u00f3 m\u1ed9t th\u1ef1c t\u1ebf r\u1eb1ng khi mua nh\u00e0 d\u1ef1 \u00e1n, nh\u1eefng l\u1eddi gi\u1edbi thi\u1ec7u v\u1ec1 d\u1ef1 \u00e1n, kh\u1ea3 n\u0103ng t\u00ecm hi\u1ec3u d\u1ef1 \u00e1n ho\u1eb7c th\u00f4ng tin v\u1ec1 d\u1ef1 \u00e1n m\u00e0 ng\u01b0\u1eddi mua n\u1eafm \u0111\u01b0\u1ee3c ch\u1ee7 y\u1ebfu ch\u1ec9 xoay quanh s\u1ef1 cung c\u1ea5p t\u1eeb \u0111\u01a1n v\u1ecb m\u00f4i gi\u1edbi, trung gian ho\u1eb7c l\u00e0 b\u1ed9 ph\u1eadn kinh doanh c\u1ee7a d\u1ef1 \u00e1n \u0111\u00f3. M\u00e0 \u0111a ph\u1ea7n nh\u1eefng th\u00f4ng tin \u0111\u00f3 ch\u1ec9 ch\u1ee9a \u0111\u1ef1ng \u0111\u01b0\u1ee3c ph\u1ea7n n\u1ed5i c\u1ee7a d\u1ef1 \u00e1n, t\u1ee9c l\u00e0 nh\u1eefng \u0111i\u1ec1u thu\u1eadn l\u1ee3i nh\u01b0 v\u1ecb tr\u00ed m\u1eb7t b\u1eb1ng, ti\u1ec7n \u00edch khi s\u1eed d\u1ee5ng… Kh\u00e1ch h\u00e0ng s\u1ebd d\u1ec5 b\u1ecb cu\u1ed1n v\u00e0o c\u00e1c l\u1eddi gi\u1edbi thi\u1ec7u m\u00e0 b\u1ecf qua t\u00ednh ph\u00e1p l\u00fd \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a m\u1ed9t d\u1ef1 \u00e1n nh\u00e0 \u1edf.<\/em><\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng cung c\u1ea5p v\u1ea5n \u0111\u1ec1 n\u00e0y, v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 c\u0169ng kh\u00f4ng h\u1ecfi ho\u1eb7c kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn. Theo \u00f4ng, ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng \u0111i\u1ec1u g\u00ec tr\u01b0\u1edbc khi t\u00ecm hi\u1ec3u mua t\u1ea1i c\u00e1c d\u1ef1 \u00e1n?<\/em><\/p>\n

Chuy\u00ean gia- Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><\/p>\n

\u0110\u1ea7u ti\u00ean l\u00e0 uy t\u00edn c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. N\u1ebfu kinh doanh b\u00e0i b\u1ea3n, nghi\u00eam t\u00fac, t\u1eed t\u1ebf, th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1eb5n s\u00e0ng chia s\u1ebb, th\u1eadm ch\u00ed hy sinh quy\u1ec1n l\u1ee3i v\u00ec kh\u00e1ch h\u00e0ng. Ng\u01b0\u1ee3c l\u1ea1i th\u00ec kh\u00f4ng gi\u1ea5y t\u1edd, cam k\u1ebft, quy \u0111\u1ecbnh n\u00e0o r\u00e0ng bu\u1ed9c \u0111\u01b0\u1ee3c chuy\u1ec7n ch\u1eafc ch\u1eafn kh\u00f4ng c\u00f3 s\u1ef1 b\u1ed9i \u01b0\u1edbc, l\u1eadt l\u1ecdng v\u00e0 tr\u00e1nh kh\u1ecfi \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed5 b\u1ec3, ph\u00e1 s\u1ea3n.<\/em><\/p>\n

Tuy nhi\u00ean, v\u1ec1 ph\u00e1p l\u00fd th\u00ec l\u00e0 v\u1eabn \u0111i\u1ec1u t\u1ed1i thi\u1ec3u m\u00e0 ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng th\u1ec3 b\u1ecf qua. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai (t\u1ee9c ch\u01b0a x\u00e2y xong) th\u00ec ph\u1ea3i bi\u1ebft \u0111\u01b0\u1ee3c \u00edt nh\u1ea5t 3 \u0111i\u1ec1u ki\u1ec7n ch\u00ednh g\u1ed3m:<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t<\/em>, d\u1ef1 \u00e1n \u0111\u00f3 c\u00f3 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng kh\u00f4ng, t\u1ee9c c\u00f3 h\u1ee3p ph\u00e1p hay kh\u00f4ng.\u00a0Th\u1ee9 haid\u1ef1 \u00e1n \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c S\u1edf x\u00e2y d\u1ef1ng cho ph\u00e9p b\u00e1n, t\u1ee9c l\u00e0 \u0111\u00e3 x\u00e2y xong m\u00f3ng v\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 b\u00e1n nh\u00e0 hay ch\u01b0a. V\u00e0\u00a0th\u1ee9 ba, d\u1ef1 \u00e1n \u0111\u00f3 c\u00f3 b\u1ea3o l\u00e3nh mua b\u00e1n nh\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0o. N\u1ebfu kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00ecm hi\u1ec3u 2 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7u, th\u00ec c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o \u0111i\u1ec1u ki\u1ec7n th\u1ee9 ba l\u00e0 \u0111\u1ee7, v\u00ec ng\u00e2n h\u00e0ng ch\u1ec9 th\u1ef1c hi\u1ec7n b\u1ea3o l\u00e3nh khi \u0111\u00e3 b\u1ea3o \u0111\u1ea3m 2 \u0111i\u1ec1u ki\u1ec7n tr\u01b0\u1edbc.<\/em><\/p>\n

\"\"<\/p>\n

\u0110\u1ed9c gi\u1ea3 Huy Minh (S\u01a1n T\u00e2y, H\u00e0 N\u1ed9i):<\/strong><\/p>\n

M\u1ed9t trong nh\u1eefng cam k\u1ebft \u201cm\u1eadp m\u1edd\u201d c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 g\u00e2y ra r\u1ee7i ro cho kh\u00e1ch h\u00e0ng \u0111\u00f3 l\u00e0 th\u1eddi h\u1ea1n b\u00e0n giao nh\u00e0 kh\u00f4ng r\u00f5 r\u00e0ng.<\/em><\/p>\n

Th\u1ef1c t\u1ebf c\u00f3 r\u1ea5t \u00edt d\u1ef1 \u00e1n b\u00e0n giao nh\u00e0 \u0111\u00fang th\u1eddi h\u1ea1n, \u0111\u00fang th\u1ecfa thu\u1eadn ban \u0111\u1ea7u cho ng\u01b0\u1eddi mua. V\u1ec1 g\u00f3c \u0111\u1ed9 ph\u00e1p l\u00fd, tr\u00e1ch nhi\u1ec7m b\u00e0n giao nh\u00e0 theo \u0111\u00fang th\u1eddi h\u1ea1n l\u00e0 m\u1ed9t quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong Lu\u1eadt Kinh doanh B\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ti\u1ebfn \u0111\u1ed9 \u0111\u1ea7u t\u01b0, th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n \u00a0theo ph\u00ea duy\u1ec7t th\u00ec c\u1ea7n \u0111\u01b0\u1ee3c tu\u00e2n th\u1ee7 nh\u01b0 m\u1ed9t ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 trong Lu\u1eadt \u0110\u1ea7u t\u01b0 2014. Th\u01b0\u1eddng ch\u1ecbu thi\u1ec7t ph\u1ea7n nhi\u1ec1u v\u1eabn l\u00e0 kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0, ph\u00eda ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 g\u00ec \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng trong v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

Lu\u1eadt s\u01b0 H\u00e0 Huy Phong:<\/strong><\/p>\n

Kho\u1ea3n 4 \u0110i\u1ec1u 22 Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014 quy \u0111\u1ecbnh b\u00ean b\u00e1n nh\u00e0 ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 giao nh\u00e0 cho b\u00ean mua theo \u0111\u00fang th\u1eddi h\u1ea1n, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c \u0111\u00e3 th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng; giao Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t v\u00e0 h\u1ed3 s\u01a1 c\u00f3 li\u00ean quan theo th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng\u2026<\/p>\n

C\u0103n c\u1ee9 quy \u0111\u1ecbnh tr\u00ean, c\u00f3 th\u1ec3 th\u1ea5y ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 02 lo\u1ea1i r\u1ee7i ro trong vi\u1ec7c b\u00e0n giao nh\u00e0:<\/p>\n

R\u1ee7i ro th\u1ee9 nh\u1ea5t l\u00e0 ngh\u0129a v\u1ee5 b\u00e0n giao nh\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng, d\u1eabn \u0111\u1ebfn ch\u1ee7 \u0111\u1ea7u t\u01b0 mu\u1ed1n b\u00e0n giao nh\u00e0 cho ng\u01b0\u1eddi mua nh\u00e0 l\u00fac n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c. C\u00e1ch ph\u00f2ng ng\u1eeba r\u1ee7i ro n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa quay tr\u1edf l\u1ea1i v\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t: ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u0129 v\u00e0 hi\u1ec3u r\u00f5 m\u1ed9t c\u00e1ch v\u1eeba t\u1ed5ng th\u1ec3 v\u1eeba chi ti\u1ebft v\u1ec1 h\u1ee3p \u0111\u1ed3ng mua nh\u00e0 tr\u00ean c\u01a1 s\u1edf c\u00f3 hi\u1ec3u bi\u1ebft n\u1ec1n t\u1ea3ng v\u1ec1 ph\u00e1p lu\u1eadt.<\/p>\n

R\u1ee7i ro th\u1ee9 hai l\u00e0 ngh\u0129a v\u1ee5 b\u00e0n giao nh\u00e0 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng nh\u01b0ng ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng b\u00e0n giao nh\u00e0 theo th\u1ecfa thu\u1eadn. Khi x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh. C\u1ee5 th\u1ec3:<\/p>\n

Theo kho\u1ea3n 4 \u0110i\u1ec1u 23 Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u b\u00ean b\u00e1n giao nh\u00e0 theo \u0111\u00fang th\u1eddi h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi y\u00eau c\u1ea7u b\u00ean b\u00e1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do vi\u1ec7c giao nh\u00e0 kh\u00f4ng \u0111\u00fang th\u1eddi h\u1ea1n, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 c\u00e1c cam k\u1ebft kh\u00e1c trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Theo kho\u1ea3n 3 \u0110i\u1ec1u 56 Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 b\u1ea3o l\u00e3nh ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh cho ch\u1ee7 \u0111\u1ea7u t\u01b0 ho\u00e0n tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n \u1ee9ng tr\u01b0\u1edbc v\u00e0 c\u00e1c kho\u1ea3n ti\u1ec1n kh\u00e1c cho kh\u00e1ch h\u00e0ng theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, thu\u00ea mua nh\u00e0 \u1edf v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh \u0111\u00e3 k\u00fd k\u1ebft\u2026<\/p>\n

Ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n ch\u1ee7 \u0111\u1ea7u t\u01b0 t\u1edbi T\u00f2a \u00e1n nh\u00e2n d\u00e2n qu\u1eadn, huy\u1ec7n, th\u1ecb x\u00e3 n\u01a1i c\u00f3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u1ebfu kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft v\u1ee5 vi\u1ec7c th\u00f4ng qua th\u01b0\u01a1ng l\u01b0\u1ee3ng.<\/p>\n

\u0110\u1ed9c gi\u1ea3 Th\u00fay An (H\u00e0 N\u1ed9i):<\/strong><\/p>\n

V\u1edbi vi\u1ec7c n\u1edbi l\u1ecfng t\u00edn d\u1ee5ng v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n trong n\u0103m 2007, ng\u00e0nh ng\u00e2n h\u00e0ng ph\u1ea3i tr\u1ea3 c\u00e1i gi\u00e1 \u0111\u1eaft, \u0111\u00f3 l\u00e0 n\u1ee3 x\u1ea5u gia t\u0103ng v\u00e0 \u0111\u1ebfn nay v\u1eabn ch\u01b0a th\u1ec3 gi\u1ea3i quy\u1ebft xong. \u0110\u00f3 l\u00e0 h\u1eadu qu\u1ea3 cho vi\u1ec7c th\u1ea3 n\u1ed5i b\u1ea5t \u0111\u1ed9ng s\u1ea3n 1 th\u1eddi. Vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t hi\u1ec7n nay c\u1ee7a ng\u00e2n h\u00e0ng hi\u1ec7n nay c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn gi\u00e1 th\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n?<\/em><\/p>\n

\u00d4ng L\u00ea Ng\u1ecdc Qu\u00fd- \u0110\u1ea1i di\u1ec7n\u00a0\u00a0C\u00f4ng ty c\u1ed5 ph\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 kinh doanh Quang Minh:<\/strong><\/p>\n

B\u0110S l\u00e0 ng\u00e0nh t\u1ed5ng h\u1ee3p c\u1ee7a nhi\u1ec1u ng\u00e0nh kh\u00e1c nhau, t\u1eeb v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng, n\u1ed9i ngo\u1ea1i th\u1ea5t, trang thi\u1ebft b\u1ecb \u0111i\u1ec7n, trang thi\u1ebft b\u1ecb s\u1eed d\u1ee5ng,\u2026 Vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t hi\u1ec7n nay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 t\u00e1c \u0111\u1ed9ng t\u1ed1t l\u00ean th\u1ecb tr\u01b0\u1eddng B\u0110S. Doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u1ed1t h\u01a1n, g\u00f3p ph\u1ea7n gi\u1ea3m gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m tr\u1ef1c ti\u1ebfp v\u00e0\/ho\u1eb7c gi\u00e1n ti\u1ebfp. Ng\u01b0\u1eddi d\u00e2n thay v\u00ec ti\u1ebft ki\u1ec7m trong ng\u00e2n h\u00e0ng, s\u1ebd \u0111\u1ea7u t\u01b0 mua nh\u00e0, v\u00ec mua nh\u00e0 th\u1eddi \u0111i\u1ec3m n\u00e0y gi\u00e1 t\u1ed1t h\u01a1n.<\/p>\n

Ch\u1ecb Nguy\u1ec5n Th\u00fay (Y\u00ean B\u00e1i):<\/strong><\/p>\n

\u00d4ng \u0111\u00e1nh gi\u00e1 nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 m\u1ed1i quan h\u1ec7 “l\u1ee3i \u00edch tay 3” gi\u1eefa Ng\u00e2n h\u00e0ng \u2013 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ng\u01b0\u1eddi d\u00e2n? Li\u1ec7u r\u1eb1ng trong m\u1ed1i quan h\u1ec7 tay 3 \u0111\u00f3 ng\u01b0\u1eddi d\u00e2n c\u00f3 ch\u1ecbu thi\u1ec7t th\u00f2i v\u00e0 l\u00e0 k\u1ebb y\u1ebfu th\u1ebf? Theo \u00f4ng c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 ch\u1ea5m d\u1ee9t t\u00ecnh tr\u1ea1ng khi\u1ebfu ki\u1ec7n k\u00e9o d\u00e0i hi\u1ec7n nay khi m\u00e0 l\u1ee3i \u00edch ch\u1ee7 \u0111\u1ea7u t\u01b0 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi d\u00e2n \u0111ang ng\u00e0y m\u1ed9t nhi\u1ec1u<\/em><\/p>\n

Chuy\u00ean gia -Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/em><\/strong><\/p>\n

Trong m\u1ed1i quan h\u1ec7 n\u00e0y, hi\u1ec7n t\u1ea1i c\u0169ng v\u1ec1 l\u00e2u d\u00e0i kh\u00f4ng th\u1ec3 ch\u1ec9 c\u00f3 l\u1ee3i nghi\u00eang v\u1ec1 m\u1ed9t b\u00ean n\u00e0o m\u00e0 h\u1ee3p l\u00fd nh\u1ea5t l\u00e0 c\u1ea3 3 \u0111\u1ec1u c\u00f9ng c\u00f3 l\u1ee3i. Th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1 c\u1ea1nh tranh, n\u00ean ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng th\u1ec3 b\u00e1n \u0111\u1eaft, ki\u1ebfm l\u00e3i cao theo \u00fd m\u00ecnh \u0111\u01b0\u1ee3c. V\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi d\u00e2n c\u0169ng kh\u00f4ng ch\u1ecbu thi\u1ec7t.<\/em><\/p>\n

Tuy nhi\u00ean, so v\u1edbi m\u1ee9c b\u00ecnh qu\u00e2n thu nh\u1eadp nh\u01b0 hi\u1ec7n nay, th\u00ec ph\u1ea3i n\u00f3i r\u1eb1ng, gi\u00e1 nh\u00e0 \u0111\u1ea5t v\u1eabn l\u00e0 cao. Nh\u01b0ng l\u00fd do kh\u00f4ng ph\u1ea3i v\u00ec ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p \u201c\u0103n d\u00e0y\u201d, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 do \u0111\u1eb7c \u0111i\u1ec3m n\u1ed9i t\u1ea1i c\u1ee7a n\u1ec1n kinh t\u1ebf, v\u1edbi chi ph\u00ed \u0111\u1ea7u t\u01b0, x\u00e2y d\u1ef1ng c\u00f2n qu\u00e1 cao, r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng v\u00e0 ph\u00e1p l\u00fd c\u00f2n qu\u00e1 l\u1edbn, hi\u1ec7u qu\u1ea3 c\u1ee7a n\u1ec1n kinh t\u1ebf c\u00f2n qu\u00e1 th\u1ea5p.<\/em><\/p>\n

N\u1ebfu kinh doanh th\u1ef1c s\u1ef1 chuy\u00ean nghi\u1ec7p th\u00ec ch\u00fang ta c\u1ea7n gi\u1ea3i qu\u1ebft theo c\u00e1c v\u0103n minh, chuy\u00ean nghi\u1ec7p h\u01a1n, kh\u00f4ng n\u00ean \u0111\u1ec3 t\u00ecnh tr\u1ea1ng m\u00e2u thu\u1eabn k\u00e9o d\u00e0i qu\u00e1 l\u00e2u.<\/em><\/p>\n

Anh B\u00ecnh An (29 tu\u1ed5i, H\u00e0 N\u1ed9i)<\/strong><\/p>\n

Hi\u1ec7n nay l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng cho vay \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u mua nh\u00e0 v\u1eabn kh\u00e1 cao so v\u1edbi thu nh\u1eadp trung b\u00ecnh c\u1ee7a ng\u01b0\u1eddi d\u00e2n hi\u1ec7n nay, theo \u00f4ng ng\u01b0\u1eddi d\u00e2n c\u00f3 nhu c\u1ea7u mua nh\u00e0 n\u00ean l\u00e0m g\u00ec l\u00fac n\u00e0y? Giai \u0111o\u1ea1n cu\u1ed1i n\u0103m c\u00f3 ph\u1ea3i l\u00e0 th\u1eddi c\u01a1 t\u1ed1t \u0111\u1ec3 h\u1ecd vay ti\u1ec1n ng\u00e2n h\u00e0ng \u0111\u1ec3 mua hay ch\u01b0a?<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n M\u1ea1nh H\u00e0 – Ph\u00f3 Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n; Ch\u1ee7 t\u1ecbch h\u1ed9i m\u00f4i gi\u1edbi B\u1ea5t \u0111\u1ed9ng s\u1ea3n:<\/strong><\/p>\n

T\u00f4i c\u0169ng th\u1ea5y r\u1eb1ng hi\u1ec7n nay t\u00edn d\u1ee5ng nh\u00e0 \u1edf v\u1eabn ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ec7 th\u1ed1ng th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n h\u00e0nh.<\/p>\n

H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ch\u00fang ta hi\u1ec7n nay l\u00e0 huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n, nh\u01b0ng t\u00edn d\u1ee5ng nh\u00e0 \u1edf l\u1ea1i l\u00e0 d\u00e0i h\u1ea1n. Ch\u00ednh v\u00ec v\u1eady, \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro, NHNN \u0111\u00e3 quy \u0111\u1ecbnh m\u1ed9t t\u1ef7 l\u1ec7 nh\u1ea5t \u0111\u1ecbnh, cho vay d\u00e0i h\u1ea1n tr\u00ean \u0111\u1ed3ng v\u1ed1n ng\u1eafn h\u1ea1n. B\u00ean c\u1ea1nh \u0111\u00f3, l\u00e3i su\u1ea5t vay d\u00e0i h\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u0169ng cao, kh\u00f4ng \u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi mua.<\/p>\n

Hi\u1ec7n nay quy \u0111\u1ecbnh c\u1ee7a ch\u00fang ta \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn ph\u1ea3i h\u00ecnh th\u00e0nh m\u1ed9t h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh nh\u00e0 \u1edf ho\u00e0n thi\u1ec7n v\u00e0 ri\u00eang bi\u1ec7t h\u01a1n. \u1ede c\u00e1c n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi \u0111\u00e3 c\u00f3 h\u1ec7 th\u1ed1ng cho vay nh\u00e0 \u1edf ri\u00eang bi\u1ec7t. V\u00ed d\u1ee5 c\u00e1c h\u1ec7 th\u1ed1ng qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e0 \u1edf hi\u1ec7n nay v\u1edbi th\u1eddi gian cho vay ch\u01b0a \u0111\u01b0\u1ee3c d\u00e0i, l\u00e3i su\u1ea5t v\u1eabn c\u00f2n cao, ng\u01b0\u1eddi mua ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c.<\/p>\n

V\u1edbi t\u00ecnh h\u00ecnh hi\u1ec7n nay,\u00a0\u00a0c\u00f3 ph\u1ea3i l\u00e0 th\u1eddi c\u01a1 t\u1ed1t \u0111\u1ec3 h\u1ecd vay ti\u1ec1n ng\u00e2n h\u00e0ng \u0111\u1ec3 mua hay ch\u01b0a th\u00ec ph\u1ea3i d\u1ef1a v\u00e0o t\u00ecnh h\u00ecnh mua nh\u00e0 c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd.<\/p>\n

Hi\u1ec7n nay, uy t\u00edn c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 r\u1ea5t quan tr\u1ecdng, ch\u00fang ta kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00f3 nh\u1eadn bi\u1ebft uy t\u00edn c\u1ee7a h\u1ecd: v\u1ec1 t\u00e0i ch\u00ednh, v\u1ec1 kinh nghi\u1ec7m trong \u0111\u1ea7u t\u01b0, ho\u1eb7c th\u00f4ng qua c\u00e1c d\u1ef1 \u00e1n m\u00e0 h\u1ecd \u0111\u00e3 tri\u1ec3n khai,…<\/p>\n

\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0, tr\u01b0\u1edbc khi t\u00ecm hi\u1ec3u c\u00e1c d\u1ef1 \u00e1n th\u00ec c\u0169ng ph\u1ea3i t\u00ecm hi\u1ec3u xem d\u1ef1 \u00e1n c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh c\u1ee7a gia \u0111\u00ecnh m\u00ecnh hay kh\u00f4ng.<\/p>\n

\u0110\u1ed9c gi\u1ea3 Ho\u00e0ng Ho\u1ea1t (Di\u1ec5n Ch\u00e2u, Ngh\u1ec7 An):<\/strong><\/p>\n

V\u1edbi vi\u1ec7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1ea3m l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u00e0 h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i gi\u1ea3m l\u00e3i su\u1ea5t cho vay m\u1ed9t s\u1ed1 ng\u01b0\u1eddi k\u1ef3 v\u1ecdng b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i. Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, quy\u1ebft \u0111\u1ecbnh tr\u00ean kh\u00f4ng c\u00f3 t\u00e1c \u0111\u1ed9ng nhi\u1ec1u t\u1edbi ng\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, b\u1edfi \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e0nh n\u1eb1m trong danh s\u00e1ch 5 \u0111\u1ed1i t\u01b0\u1ee3ng \u01b0u ti\u00ean.Do \u0111\u00f3, c\u00e1c kho\u1ea3n vay \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i theo t\u00f9y theo ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. \u00d4ng c\u00f3 nh\u00ecn nh\u1eadn g\u00ec v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

Chuy\u00ean gia -Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/em><\/strong><\/p>\n

T\u00f4i \u1ee7ng h\u1ed9 quan \u0111i\u1ec3m ng\u00e0nh B\u0110S l\u00e0 ng\u00e0nh s\u1ea3n xu\u1ea5t ch\u1ee9 kh\u00f4ng l\u00e0 bu\u00f4n b\u00e1n. Th\u1ebf nh\u01b0ng ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 l\u0129nh v\u1ef1c \u01b0u ti\u00ean, v\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng t\u1eadp trung cho vay d\u00e0i h\u1ea1n. Cho n\u00ean NHNN \u0111\u00e3 c\u00f3 nhi\u1ec1u ch\u00ednh s\u00e1ch th\u1eaft ch\u1eb7t h\u01a1n trong vi\u1ec7c cho vay v\u1ed1n.C\u00f2n vi\u1ec7c l\u00e3i su\u1ea5t l\u00e0 h\u01b0\u1edbng \u0111\u1ebfn\u00a0 th\u1ecb tr\u01b0\u1eddng chung ch\u1ee9 kh\u00f4ng ri\u00eang g\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/em><\/p>\n

Ch\u1ec9 c\u00f3 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c vay theo di\u1ec7n ch\u00ednh s\u00e1ch \u01b0u \u0111\u00e3i th\u00ec m\u1edbi c\u00f3 vi\u1ec7c h\u01b0\u1edfng l\u1ee3i hay kh\u00f4ng h\u01b0\u1edfng l\u1ee3i. C\u00f2n vi\u1ec7c vay v\u1ed1n c\u1ee7a c\u00e1c doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i chung th\u00ec ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng. L\u00e3i su\u1ea5t cao hay th\u1ea5p, gi\u1ea3m hay kh\u00f4ng gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ed9t lo\u1ea1t y\u1ebfu t\u1ed1 nh\u01b0 t\u00ednh ch\u1ea5t r\u1ee7i ro, s\u1ef1 t\u00edn nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi vay, kh\u1ea3 n\u0103ng ti\u00eau th\u1ee5 c\u1ee7a th\u1ecb tr\u01b0\u1eddng, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p,\u2026<\/em><\/p>\n

L\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng cho ng\u01b0\u1eddi d\u00e2n vay ti\u1ec1n mua nh\u00e0 hi\u1ec7n nay c\u0169ng \u0111ang \u1edf m\u1ee9c th\u00f4ng th\u01b0\u1eddng v\u00e0 h\u1ee3p l\u00fd trong m\u1ed1i t\u01b0\u01a1ng quan v\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay n\u00f3i chung c\u1ee7a ng\u00e2n h\u00e0ng.<\/em><\/p>\n

H\u1ecfi th\u1ea3o lu\u1eadn c\u00f9ng v\u1edbi c\u00e2u ph\u00eda\u00a0C\u00f4ng ty Quang Minh<\/strong><\/p>\n

Ph\u00f3ng vi\u00ean:<\/strong><\/p>\n

Li\u00ean quan \u0111\u1ebfn c\u00e2u h\u1ecfi v\u1eeba \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi ph\u00eda \u0110\u1ea1i di\u1ec7n\u00a0C\u00f4ng ty Quang Minh, xin mu\u1ed1n h\u1ecfi 1 ch\u00fat v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng khi cho ng\u01b0\u1eddi mua nh\u00e0 vay v\u1ed1n, n\u1ebfu ng\u01b0\u1eddi d\u00e2n c\u00f3 m\u1ee9c thu nh\u1eadp kho\u1ea3ng 10 tri\u1ec7u \u0111\u1ed3ng\/ th\u00e1ng, \u0111\u1ec3 mua nh\u00e0 gi\u00e1 2,3 t\u1ef7 \/ c\u0103n chung c\u01b0 th\u00ec th\u1ee7 t\u1ee5c mua nh\u00e0 c\u00f3 kh\u00f3 hay kh\u00f4ng?<\/em><\/p>\n

B\u00e0\u00a0Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n-\u00a0 Ng\u00e2n h\u00e0ng PVcomBank:<\/strong><\/p>\n

T\u1ea1i PVcomBank, kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp t\u1ed1i thi\u1ec3u 5 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng l\u00e0 \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 ngu\u1ed3n thu nh\u1eadp \u0111\u1ec3 vay v\u1ed1n mua nh\u00e0.<\/p>\n

Nh\u01b0 v\u1eady, m\u1ee9c thu nh\u1eadp kho\u1ea3ng 10 tri\u1ec7u \u0111\u1ed3ng\/ th\u00e1ng, \u0111\u1ec3 mua nh\u00e0 gi\u00e1 2,3 t\u1ef7 \/ c\u0103n chung c\u01b0, ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd h\u1ed9 tr\u1ee3 kh\u00e1ch h\u00e0ng nh\u1eefng th\u1ee7 t\u1ee5c cho vay t\u1ea1i PVcomBank. B\u1ea1n ch\u1ec9 c\u1ea7n chu\u1ea9n b\u1ecb m\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd nh\u01b0 sau:<\/p>\n

–\u00a0\u00a0\u0110\u01a1n vay v\u1ed1n theo m\u1eabu c\u1ee7a Ng\u00e2n h\u00e0ng c\u00f9ng gi\u1ea5y t\u1edd ph\u00e1p l\u00fd nh\u01b0 CMND, h\u1ed9 kh\u1ea9u;<\/p>\n

–\u00a0\u00a0T\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp h\u00e0ng th\u00e1ng;<\/p>\n

–\u00a0\u00a0Gi\u1ea5y t\u1edd v\u1ec1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (b\u1ea1n c\u00f3 th\u1ec3 th\u1ebf ch\u1ea5p ch\u00ednh c\u0103n h\u1ed9 b\u1ea1n mua ho\u1eb7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o kh\u00e1c);<\/p>\n

–\u00a0 \u00a0H\u1ee3p \u0111\u1ed3ng mua c\u0103n h\u1ed9.<\/p>\n

Sau khi chu\u1ea9n b\u1ecb \u0111\u1ee7 h\u1ed3 s\u01a1 vay v\u1ed1n, trong th\u1eddi gian 2-3 ng\u00e0y l\u00e0m vi\u1ec7c, Ng\u00e2n h\u00e0ng s\u1ebd th\u00f4ng b\u00e1o t\u1edbi b\u1ea1n k\u1ebft qu\u1ea3 ph\u00ea duy\u1ec7t v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. Vi\u1ec7c gi\u1ea3i ng\u00e2n s\u1ebd theo nhu c\u1ea7u c\u1ee7a b\u1ea1n v\u00e0 ti\u1ebfn \u0111\u1ed9 b\u1ea1n c\u1ea7n n\u1ed9p ti\u1ec1n theo y\u00eau c\u1ea7u c\u1ee7a Ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

B\u1ea1n c\u0169ng kh\u00f4ng c\u1ea7n ph\u1ea3i lo l\u1eafng v\u1ec1 th\u1ee7 t\u1ee5c vay v\u1ed1n t\u1ea1i PVcomBank. C\u00e1c c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng lu\u00f4n s\u1eb5n s\u00e0ng t\u01b0 v\u1ea5n v\u1ec1 quy tr\u00ecnh, th\u1ee7 t\u1ee5c \u0111\u1ec3 b\u1ea1n ho\u00e0n th\u00e0nh th\u1ee7 t\u1ee5c vay v\u1ed1n trong th\u1eddi gian s\u1edbm nh\u1ea5t.<\/p>\n

\u0110\u1ed9c gi\u1ea3 B\u00f9i Tu\u1ea5n Anh (C\u00f4ng ty\u00a0C\u00f4ng ty t\u01b0 v\u1ea5n du h\u1ecdc Atlantic, H\u00e0 N\u1ed9i):<\/strong><\/p>\n

\u00d4ng (b\u00e0) c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n th\u00eam cho ng\u01b0\u1eddi mua nh\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn \u0111\u01b0\u1ee3c c\u0103n h\u1ed9 c\u00f3 m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c m\u1ee9a gi\u00e1 t\u1eeb 2-3 t\u1ef7 \u0111\u1ed3ng\/c\u0103n chung c\u01b0?<\/em><\/p>\n

\u00d4ng L\u00ea Ng\u1ecdc Qu\u00fd- \u0110\u1ea1i di\u1ec7n\u00a0<\/strong>\u00a0<\/strong><\/em>C\u00f4ng ty c\u1ed5 ph\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 kinh doanh Quang Minh:<\/strong><\/p>\n

\u0110\u00e2y l\u00e0 m\u1ee9c gi\u00e1 c\u00f3 nhu c\u1ea7u ph\u1ed1 bi\u1ebfn c\u1ee7a s\u1ed1 \u0111\u00f4ng kh\u00e1ch h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay. V\u1edbi m\u1ee9c gi\u00e1 n\u00e0y, Kh\u00e1ch h\u00e0ng c\u00f3 2 l\u1ef1a ch\u1ecdn \u0111\u1ec3 c\u00e2n nh\u1eafc:<\/p>\n

M\u1ed9t l\u00e0, Kh\u00e1ch h\u00e0ng ch\u1ecdn c\u0103n h\u1ed9 t\u1ea1i v\u1ecb tr\u00ed trung t\u00e2m, gi\u00e1 s\u1ebd cao, bu\u1ed9c ph\u1ea3i ch\u1ea5p nh\u1eadn di\u1ec7n t\u00edch nh\u1ecf.<\/p>\n

Hai l\u00e0, l\u1ef1a ch\u1ecdn d\u1ef1 \u00e1n xa trung t\u00e2m, b\u00f9 l\u1ea1i, di\u1ec7n t\u00edch c\u0103n h\u1ed9 s\u1ebd l\u1edbn h\u01a1n.<\/p>\n

V\u00ed d\u1ee5 v\u1edbi m\u1ee9c gi\u00e1 nh\u01b0 tr\u00ean, Kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u00f3 th\u1ec3 s\u1edf h\u1eefu \u0111\u01b0\u1ee3c c\u0103n h\u1ed9 g\u1ea7n 100m2 t\u1ea1i d\u1ef1 \u00e1n Stellar Garden35 L\u00ea V\u0103n Thi\u00eam, thu\u1eadn ti\u1ec7n \u0111i l\u1ea1i, k\u1ebft n\u1ed1i giao th\u00f4ng v\u00e0 h\u1ea1 t\u1ea7ng x\u00e3 h\u1ed9i t\u1ed1t. D\u1ef1 \u00e1n n\u1eb1m ngay t\u1ea1i Q. Thanh Xu\u00e2n, kh\u00f4ng qu\u00e1 xa trung t\u00e2m, m\u00e0 v\u1eabn \u0111\u1ea7y \u0111\u1ee7 ti\u1ec7n \u00edch cao c\u1ea5p nh\u01b0: trung t\u00e2m th\u01b0\u01a1ng m\u1ea1i, gym, spa, b\u1ec3 b\u01a1i,\u2026. C\u00e1c c\u0103n h\u1ed9 c\u00f3 di\u1ec7n t\u00edch h\u1ee3p l\u00fd, th\u00f4ng tho\u00e1ng, t\u1ea5t c\u1ea3 c\u00e1c ph\u00f2ng \u0111\u1ec1u \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u00f3n \u00e1nh s\u00e1ng t\u1ef1 nhi\u00ean.<\/p>\n

Ph\u00f3ng vi\u00ean:<\/strong><\/p>\n

Tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1eddi gian qua \u0111\u00e3 xu\u1ea5t hi\u1ec7n h\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9, gi\u1ed1ng nh\u01b0 m\u1ed9t tho\u1ea3 thu\u1eadn \u0111\u1eb7t c\u1ecdc mua c\u0103n h\u1ed9 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n ch\u01b0a ho\u00e0n thi\u1ec7n xong c\u00e1c th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p mua b\u00e1n.<\/em><\/p>\n

H\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c k\u00fd k\u1ebft gi\u1eefa 3 b\u00ean: Ng\u01b0\u1eddi mua nh\u00e0, ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng. Trong Lu\u1eadt Kinh doanh B\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9. V\u1eady li\u1ec7u d\u1ea1ng h\u1ee3p \u0111\u1ed3ng n\u00e0y c\u00f3 an to\u00e0n cho ng\u01b0\u1eddi mua nh\u00e0?\u00a0<\/em><\/p>\n

Chuy\u00ean gia-Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/em><\/strong><\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c l\u00e1ch lu\u1eadt. Nh\u00ecn chung, ng\u01b0\u1eddi ta l\u00e1ch qua \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec c\u00f3 th\u1ec3 coi l\u00e0 kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, n\u1ebfu x\u00e1c \u0111\u1ecbnh \u0111\u00e2y l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n th\u00ec l\u1ea1i vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 68 v\u1ec1 \u201cNguy\u00ean t\u1eafc huy \u0111\u1ed9ng v\u1ed1n cho ph\u00e1t tri\u1ec3n nh\u00e0 \u1edf\u201d, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014. H\u1ee3p \u0111\u1ed3ng n\u00e0y ch\u1ec9 an to\u00e0n cho ng\u01b0\u1eddi b\u00e1n, m\u00e0 kh\u00f4ng c\u00f3 g\u00ec an to\u00e0n cho ng\u01b0\u1eddi mua nh\u00e0 \u1edf.<\/em><\/p>\n

K\u00fd qu\u1ef9 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y b\u1ea3n ch\u1ea5t gi\u1ed1ng nh\u01b0 vi\u1ec7c \u0111\u1eb7t c\u1ecdc, l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m vi\u1ec7c k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng mua nh\u00e0. N\u1ebfu ng\u01b0\u1eddi k\u00fd qu\u1ef9 kh\u00f4ng ti\u1ebfp t\u1ee5c theo \u0111u\u1ed5i n\u1eefa th\u00ec coi nh\u01b0 m\u1ea5t kho\u1ea3n ti\u1ec1n \u0111\u00e3 b\u1ecf ra. V\u00ec v\u1eady, n\u1ebfu ch\u1ec9 y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ecf, th\u00ec r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng k\u1ec3. C\u00f2n n\u1ebfu nh\u01b0 ph\u1ea3i b\u1ecf ra h\u00e0ng tr\u0103m tri\u1ec7u, th\u00ec b\u1ea3n ch\u1ea5t \u0111\u00f3 ch\u00ednh l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc, v\u00ec kh\u00f4ng kh\u00e1c n\u00e0o vi\u1ec7c mua nh\u00e0 tr\u00ean gi\u1ea5y m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/em><\/p>\n

H\u1ecfi th\u1ea3o lu\u1eadn c\u00f9ng c\u00e2u h\u1ecfi Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n:\u00a0<\/strong><\/p>\n

Ph\u00f3ng vi\u00ean:<\/strong><\/p>\n

D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a 1 lu\u1eadt s\u01b0, theo \u00f4ng l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn di\u1ec7n nh\u1eefng d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 v\u1ea5n \u0111\u1ec1?\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0 H\u00e0 Huy Phong:<\/strong><\/p>\n

Nh\u1eefng d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 v\u1ea5n \u0111\u1ec1 l\u00e0 th\u01b0\u1eddng l\u00e0 nh\u1eefng d\u1ef1 \u00e1n c\u00f3 d\u1ea5u hi\u1ec7u che gi\u1ea5u th\u00f4ng tin ho\u1eb7c cung c\u1ea5p th\u00f4ng tin kh\u00f4ng r\u00f5 r\u00e0ng. C\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn nh\u1eefng d\u1ea5u hi\u1ec7u nh\u01b0 sau:<\/p>\n

Ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng b\u1ed1 th\u00f4ng tin v\u1ec1 d\u1ef1 \u00e1n m\u00e0 h\u1ecd b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng b\u1ed1 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 6 Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m 2014.<\/p>\n

N\u1ed9i dung th\u00f4ng tin v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i c\u00f4ng b\u1ed1 bao g\u1ed3m: Lo\u1ea1i b\u1ea5t \u0111\u1ed9ng s\u1ea3n; V\u1ecb tr\u00ed b\u1ea5t \u0111\u1ed9ng s\u1ea3n; Th\u00f4ng tin v\u1ec1 quy ho\u1ea1ch c\u00f3 li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n; Quy m\u00f4 c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n; \u0110\u1eb7c \u0111i\u1ec3m, t\u00ednh ch\u1ea5t, c\u00f4ng n\u0103ng s\u1eed d\u1ee5ng, ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n; th\u00f4ng tin v\u1ec1 t\u1eebng lo\u1ea1i m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u00e0 ph\u1ea7n di\u1ec7n t\u00edch s\u1eed d\u1ee5ng chung \u0111\u1ed1i v\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 t\u00f2a nh\u00e0 h\u1ed7n h\u1ee3p nhi\u1ec1u m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng, nh\u00e0 chung c\u01b0; Th\u1ef1c tr\u1ea1ng c\u00e1c c\u00f4ng tr\u00ecnh h\u1ea1 t\u1ea7ng, d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n; H\u1ed3 s\u01a1, gi\u1ea5y t\u1edd v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0, c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng, quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 gi\u1ea5y t\u1edd c\u00f3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n; h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh, v\u0103n b\u1ea3n cho ph\u00e9p b\u00e1n, cho thu\u00ea mua c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u00e1n, cho thu\u00ea mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai; C\u00e1c h\u1ea1n ch\u1ebf v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu, quy\u1ec1n s\u1eed d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n (n\u1ebfu c\u00f3); Gi\u00e1 b\u00e1n, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, cho thu\u00ea l\u1ea1i, cho thu\u00ea mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng cung c\u1ea5p h\u1ed3 s\u01a1 c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 (Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd doanh nghi\u1ec7p, quy\u1ebft \u0111\u1ecbnh \u1ee7y quy\u1ec1n k\u00ed h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0…) c\u1ee7a d\u1ef1 \u00e1n (Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd \u0111\u1ea7u t\u01b0, quy ho\u1ea1ch 1\/500; t\u00e0i li\u1ec7u v\u1ec1 gi\u1ea3i ph\u00f3ng m\u1eb7t b\u1eb1ng; gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng, thi\u1ebft k\u1ebf b\u1ea3n v\u1ebd thi c\u00f4ng, thi\u1ebft k\u1ebf m\u1eb7t b\u1eb1ng \u0111i\u1ec3n h\u00ecnh, gi\u1ea5y t\u1edd v\u1ec1 nghi\u1ec7m thu vi\u1ec7c ho\u00e0n th\u00e0nh x\u00e2y d\u1ef1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt t\u01b0\u01a1ng \u1ee9ng theo ti\u1ebfn \u0111\u1ed9 d\u1ef1 \u00e1n; bi\u00ean b\u1ea3n nghi\u1ec7m thu \u0111\u00e3 ho\u00e0n th\u00e0nh xong ph\u1ea7n m\u00f3ng c\u1ee7a t\u00f2a nh\u00e0 \u0111\u00f3v\u0103n b\u1ea3n cho ph\u00e9p b\u00e1n, cho thu\u00ea mua c\u1ee7a S\u1edf X\u00e2y d\u1ef1ng,…) \u0111\u1ec3 ng\u01b0\u1eddi mua nh\u00e0 ki\u1ec3m tra t\u00ednh ph\u00e1p l\u00fd c\u1ee7a d\u1ef1 \u00e1n khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u.<\/p>\n

Ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng g\u1eedi b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho b\u00ean mua.<\/p>\n

–\u00a0H\u1ee3p \u0111\u1ed3ng kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 v\u1ec1 th\u1eddi h\u1ea1n b\u00e0n giao nh\u00e0, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 t\u00ednh \u0111\u1ed3ng b\u1ed9 c\u1ee7a c\u00f4ng tr\u00ecnh khi b\u00e0n giao, h\u1ed3 s\u01a1 b\u00e0n giao k\u00e8m theo.<\/p>\n

–\u00a0H\u1ee3p \u0111\u1ed3ng mua b\u00e1n kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 th\u00f4ng tin v\u1ec1 di\u1ec7n t\u00edch, v\u1ecb tr\u00ed c\u1ee7a ph\u1ea7n s\u1edf h\u1eefu chung nh\u01b0 \u0111\u01b0\u1eddng giao th\u00f4ng, s\u00e2n ch\u01a1i tr\u1ebb em, c\u00f4ng vi\u00ean, c\u00e2y xanh, ch\u1ed7 \u0111\u1ec3 xe…<\/p>\n

–\u00a0H\u1ee3p \u0111\u1ed3ng mua b\u00e1n kh\u00f4ng quy \u0111\u1ecbnh v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng cung c\u1ea5p th\u00f4ng tin v\u1ec1 gi\u00e1 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd t\u00f2a nh\u00e0 khi ch\u01b0a th\u00e0nh l\u1eadp \u0111\u01b0\u1ee3c Ban qu\u1ea3n tr\u1ecb nh\u00e0 chung c\u01b0; th\u00f4ng tin v\u1ec1 ngu\u1ed3n c\u1ea5p \u0111i\u1ec7n, n\u01b0\u1edbc v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng n\u01b0\u1edbc m\u00e0 d\u1ef1 \u00e1n s\u1ebd s\u1eed d\u1ee5ng.<\/p>\n

–\u00a0H\u1ee3p \u0111\u1ed3ng mua b\u00e1n kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 khi x\u1ea3y ra vi ph\u1ea1m.<\/p>\n

Khi nh\u1eadn th\u1ea5y d\u1ef1 \u00e1n c\u00f3 nh\u1eefng d\u1ea5u hi\u1ec7u tr\u00ean, ng\u01b0\u1eddi mua nh\u00e0 n\u00ean c\u1ea3nh gi\u00e1c, t\u00ecm hi\u1ec3u k\u0129 l\u01b0\u1ee1ng v\u00e0 c\u00f3 th\u1ec3 h\u1ecfi \u00fd ki\u1ebfn t\u01b0 v\u1ea5n c\u00e1c chuy\u00ean gia b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00e1c lu\u1eadt s\u01b0 v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh k\u00ed k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 thanh to\u00e1n ti\u1ec1n.<\/p>\n

\u0110\u1ed9c gi\u1ea3 M\u1ea1nh C\u01b0\u1eddng (TP Hu\u1ebf):<\/strong><\/p>\n

C\u00e1c xung \u0111\u1ed9t quy\u1ec1n l\u1ee3i th\u1eddi gian g\u1ea7n \u0111\u00e2y gi\u1eefa ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 c\u01b0 d\u00e2n, kh\u00e1ch h\u00e0ng di\u1ec5n ra kh\u00e1 nhi\u1ec1u do m\u00e2u thu\u1eabn c\u00e1c b\u00ean. Theo \u00f4ng \u0111\u00e2u l\u00e0 c\u0103n nguy\u00ean c\u1ee7a v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

Ph\u00f3 ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u0110S Vi\u1ec7t Nam- \u00d4ng Nguy\u1ec5n M\u1ea1nh H\u00e0:<\/strong><\/p>\n

Vi\u1ec7c tranh ch\u1ea5p gi\u1eefa c\u01b0 d\u00e2n v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n, trong \u0111\u00f3 c\u00f3 hai nguy\u00ean nh\u00e2n c\u01a1 b\u1ea3n:<\/p>\n

    \n
  1. C\u00f4ng khai minh b\u1ea1ch, gi\u1eefa quy\u1ec1n l\u1eddi v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi c\u01b0 d\u00e2n t\u1eeb khi c\u00f3 h\u1ee3p \u0111\u1ed3ng t\u1edbi khi b\u00e0n giao v\u00e0 qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng. Lu\u1eadt quy \u0111\u1ecbnh r\u00f5 c\u1ea7n c\u00f4ng khai minh b\u1ea1ch, tuy nhi\u00ean c\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00f4ng th\u1ec3 \u0111i \u0111\u1ebfn c\u00e1i ch\u00fang\u2026. \u0110\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng chung c\u01b0 m\u1edbi \u0111i v\u00e0o v\u1eadn h\u00e0nh. Trong nh\u1eefng n\u0103m \u0111\u1ea7u ti\u00ean r\u1ea5t hay x\u1ea3y ra sai ph\u1ea1m. Quy\u1ec1n l\u1ee3i c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi d\u00e2n c\u00e0ng r\u00f5 r\u00e0ng bao nhi\u00eau th\u00ec vi\u1ec7c tranh ch\u1ea5p s\u1ebd gi\u1ea3m \u0111i b\u1ea5y nhi\u00eau.<\/li>\n
  2. T\u00ednh chuy\u00ean nghi\u1ec7p c\u1ee7a hai b\u00ean ch\u01b0a cao. Nh\u00e0 chung c\u01b0 l\u00e0 m\u1ed9t c\u1ed9ng \u0111\u1ed3ng \u0111\u1eb7c th\u00f9, kh\u00f4ng gi\u1ed1ng l\u00e0ng x\u00e3, kh\u00f4ng gi\u1ed1ng c\u1ed9ng \u0111\u1ed3ng d\u00e2n c\u01b0 \u1edf ph\u1ed1. \u1ede \u0111\u00e2y \u0111\u1ed3ng tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan. \u1ede c\u00e1c n\u01b0\u1edbc th\u00ec c\u1ed9ng \u0111\u1ed3ng n\u00e0y nh\u01b0 m\u1ed9t h\u1ee3p t\u00e1c x\u00e3. C\u00f2n \u1edf Vi\u1ec7t Nam th\u00ec ngo\u00e0i c\u01b0 d\u00e2n c\u00f2n c\u00f3 s\u1edf h\u1eefu c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 nh\u01b0 s\u1edf h\u1eefu th\u01b0\u01a1ng m\u1ea1i, b\u00e3i \u0111\u1ed7 xe\u2026. T\u00ednh chuy\u00ean nghi\u1ec7p c\u1ee7a C\u0110T v\u00e0 c\u01b0 d\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec1 cao, nhi\u1ec1u ch\u1ee7 \u0111\u1ea7u t\u01b0 m\u1edbi v\u00e0o, m\u1edbi l\u00e0m n\u00ean ch\u01b0a \u0111\u01b0\u1ee3c chuy\u00ean nghi\u1ec7p. Ng\u01b0\u1eddi d\u00e2n nhi\u1ec1u khi c\u0169ng kh\u00f4ng c\u00f3 s\u1ef1 chuy\u00ean nghi\u1ec7p\u2026<\/li>\n<\/ol>\n

    Kh\u00f4ng ai mu\u1ed1n v\u00e0o m\u1ed9t ch\u1ed7 su\u1ed1t c\u00f3 m\u00e2u thu\u1eabn. T\u00f4i cho r\u1eb1ng tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u01b0 d\u00e2n c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c n\u00e2ng cao, C\u0110T c\u0169ng c\u1ea7n c\u00f3 tr\u00e1ch nhi\u1ec7m, kh\u00f4ng ch\u1ec9 b\u00e1n xong l\u00e0 xong. N\u00f3 c\u00f2n l\u00e0 uy t\u00edn c\u1ee7a doanh nghi\u1ec7p, kh\u00f4ng ph\u1ea3i ch\u1ec9 ph\u00e1t tri\u1ec3n 1 c\u00f4ng tr\u00ecnh r\u1ed3i th\u00f4i. L\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y n\u00f3 s\u1ebd gi\u1ea3m \u0111\u01b0\u1ee3c tranh ch\u1ea5p.<\/p>\n

    Ph\u00f3ng vi\u00ean:\u00a0<\/strong><\/p>\n

    Tr\u00ean th\u1ecb tr\u01b0\u1eddng\u00a0b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u00a0th\u1eddi gian qua \u0111\u00e3 xu\u1ea5t hi\u1ec7n h\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9, gi\u1ed1ng nh\u01b0 m\u1ed9t tho\u1ea3 thu\u1eadn \u0111\u1eb7t c\u1ecdc mua c\u0103n h\u1ed9 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n ch\u01b0a ho\u00e0n thi\u1ec7n xong c\u00e1c th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p mua b\u00e1n.<\/em><\/p>\n

    H\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c k\u00fd k\u1ebft gi\u1eefa 3 b\u00ean: ng\u01b0\u1eddi mua nh\u00e0, ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng. Trong Lu\u1eadt Kinh doanh B\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u01b0a \u0111\u1ec1 c\u1eadp \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng k\u00fd qu\u1ef9. V\u1eady li\u1ec7u d\u1ea1ng h\u1ee3p \u0111\u1ed3ng n\u00e0y c\u00f3 an to\u00e0n cho ng\u01b0\u1eddi mua nh\u00e0?\u00a0<\/em><\/p>\n

    Chuy\u00ean gia -Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/em><\/strong><\/p>\n

    Tr\u01b0\u1edbc m\u1ed9t giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn, \u0111\u00f4i khi \u0111\u1ed5 h\u1ebft ti\u1ec1n c\u1ee7a v\u00e0o \u0111\u1ec3 mua nh\u00e0. Ch\u1ec9 c\u1ea7n s\u01a1 su\u1ea5t, m\u1ed9t ch\u00fat th\u00ec h\u1eadu qu\u1ea3 s\u1ebd r\u1ea5t l\u1edbn v\u00ec r\u1ea5t kh\u00f3 cho ng\u01b0\u1eddi d\u00e2n khi kh\u00f4ng n\u1eafm h\u1ebft \u0111\u01b0\u1ee3c th\u00f4ng tin d\u1ef1 \u00e1n. Khi mua nh\u00e0 c\u1ea7n d\u1ef1a v\u00e0o nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 th\u00f4ng qua c\u00e1c c\u01a1 quan th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1. So v\u1edbi lu\u1eadt ph\u00e1p tr\u01b0\u1edbc kia kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7, th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i \u0111\u00e3 c\u00f3 c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 t\u1ed1t ng\u01b0\u1eddi d\u00e2n ph\u1ea3i tr\u00e1nh h\u1ea1n ch\u1ebf b\u1edbt mua nh\u00e0 tr\u00ean gi\u1ea5y. Ngo\u00e0i c\u00e1c \u0111i\u1ec1u ki\u1ec7n, x\u00e2y xong m\u00f3ng,\u0111\u01b0\u1ee3c S\u1edf x\u00e2y d\u1ef1ng cho ph\u00e9p rao b\u00e1n… v\u00e0 quan tr\u1ecdng nh\u1ea5t ph\u1ea3i c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng. Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 ch\u1ec9 c\u1ea7n t\u1eadp trung v\u00e0o \u0111i\u1ec1u ki\u1ec7n b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng th\u00ec c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ph\u00e1p l\u00fd, an to\u00e0n khi giao d\u1ecbch. Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng b\u00e0n giao nh\u00e0 th\u00ec ng\u00e2n h\u00e0ng c\u00f3 ngh\u0129a v\u1ee5 thanh to\u00e1n thay.<\/em><\/p>\n

    \u0110\u00e2y l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c l\u00e1ch lu\u1eadt. Nh\u00ecn chung, ng\u01b0\u1eddi ta l\u00e1ch qua \u0111i\u1ec1u c\u1ea5m c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec c\u00f3 th\u1ec3 coi l\u00e0 kh\u00f4ng vi ph\u1ea1m ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, n\u1ebfu x\u00e1c \u0111\u1ecbnh \u0111\u00e2y l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n th\u00ec l\u1ea1i vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 68 v\u1ec1 \u201cNguy\u00ean t\u1eafc huy \u0111\u1ed9ng v\u1ed1n cho ph\u00e1t tri\u1ec3n nh\u00e0 \u1edf\u201d, Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014. H\u1ee3p \u0111\u1ed3ng n\u00e0y ch\u1ec9 an to\u00e0n cho ng\u01b0\u1eddi b\u00e1n, m\u00e0 kh\u00f4ng c\u00f3 g\u00ec an to\u00e0n cho ng\u01b0\u1eddi mua nh\u00e0 \u1edf.<\/em><\/p>\n

    K\u00fd qu\u1ef9 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y b\u1ea3n ch\u1ea5t gi\u1ed1ng nh\u01b0 vi\u1ec7c \u0111\u1eb7t c\u1ecdc, l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m vi\u1ec7c k\u00fd k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng mua nh\u00e0. N\u1ebfu ng\u01b0\u1eddi k\u00fd qu\u1ef9 kh\u00f4ng ti\u1ebfp t\u1ee5c theo \u0111u\u1ed5i n\u1eefa th\u00ec coi nh\u01b0 m\u1ea5t kho\u1ea3n ti\u1ec1n \u0111\u00e3 b\u1ecf ra. V\u00ec v\u1eady, n\u1ebfu ch\u1ec9 y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ecf, th\u00ec r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng k\u1ec3. C\u00f2n n\u1ebfu nh\u01b0 ph\u1ea3i b\u1ecf ra h\u00e0ng tr\u0103m tri\u1ec7u, th\u00ec b\u1ea3n ch\u1ea5t \u0111\u00f3 ch\u00ednh l\u00e0 vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc, v\u00ec kh\u00f4ng kh\u00e1c n\u00e0o vi\u1ec7c mua nh\u00e0 tr\u00ean gi\u1ea5y m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y.<\/em><\/p>\n

    Vi\u1ec7c k\u00fd qu\u1ef9 kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 nh\u01b0ng ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p v\u00ec th\u1ef1c ch\u1ea5t c\u0169ng l\u00e0 m\u1ed9t d\u1ea1ng huy \u0111\u1ed9ng v\u1ed1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0 r\u1ea5y r\u1ee7i ro cho ng\u01b0\u1eddi mua nh\u00e0. V\u00ec v\u1eady c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u1ea7n ph\u1ea3i c\u00f3 quan \u0111i\u1ec3m x\u1eed l\u00fd d\u1ee9t kho\u00e1t nh\u1eefng c\u00e1c tr\u01b0\u1eddng h\u1ee3p tr\u00ean \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi mua nh\u00e0.<\/em><\/p>\n

     <\/p>\n

    \u0110\u1ed9c gi\u1ea3 L\u01b0\u01a1ng Di\u1ec5n (Thanh Ho\u00e1):<\/strong><\/p>\n

    M\u1ed9t th\u1ef1c t\u1ebf hi\u1ec7n nay l\u00e0 quy \u0111\u1ecbnh v\u1ec1 gi\u00e1 d\u1ecbch v\u1ee5, ti\u1ec7n \u00edch t\u1ea1i c\u00e1c d\u1ef1 \u00e1n. D\u00f9 lu\u1eadt \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 nh\u01b0ng kh\u00f4ng \u00edt ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u1eabn c\u1ed1 t\u00ecnh \u201cm\u00f3c t\u00fai\u201d ng\u01b0\u1eddi mua nh\u00e0 t\u1eeb nh\u1eefng kho\u1ea3n ph\u00ed n\u00e0y.<\/em><\/p>\n

    V\u1eady khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra, ph\u00eda c\u01a1 quan nh\u00e0 n\u01b0\u1edbc ph\u1ea3i c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i g\u00ec, th\u01b0a lu\u1eadt s\u01b0?<\/em><\/p>\n

    Lu\u1eadt s\u01b0 H\u00e0 Huy Phong:<\/strong><\/p>\n

    Hi\u1ec7n nay, Ph\u00e1p lu\u1eadt \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 gi\u00e1 d\u1ecbch v\u1ee5, ti\u1ec7n t\u00edch v\u1ec1 c\u00e1c d\u1ef1 \u00e1n. Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e3 ph\u00e1t sinh r\u1ea5t nhi\u1ec1u v\u1ea5n ph\u00e1t sinh trong \u0111\u00f3.<\/p>\n

    \u0110i\u1ec1u 100, 101 Lu\u1eadt Nh\u00e0 \u1edf n\u0103m 2014, \u0110i\u1ec1u 7, \u0110i\u1ec1u 8 Th\u00f4ng t\u01b0 s\u1ed1 02\/2016\/TT-BXD \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu v\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd ph\u1ea7n s\u1edf h\u1eefu chung, s\u1eed d\u1ee5ng chung, ch\u1ed7 \u0111\u1ec3 xe c\u1ee7a nh\u00e0 chung c\u01b0. M\u1ed9t trong nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y l\u00e0 quy\u1ec1n s\u1edf h\u1eefu v\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd ph\u1ea7n s\u1edf h\u1eefu chung, s\u1eed d\u1ee5ng chung, ch\u1ed7 \u0111\u1ec3 xe c\u1ee7a nh\u00e0 chung c\u01b0 ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng mua c\u0103n h\u1ed9. Tuy nhi\u00ean, th\u1ef1c t\u1ebf cho th\u1ea5y v\u1ea5n \u0111\u1ec1 n\u00e0y l\u1ea1i th\u01b0\u1eddng l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn tranh ch\u1ea5p gi\u1eefa ng\u01b0\u1eddi mua nh\u00e0 v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

    Ph\u00e1p lu\u1eadt c\u0169ng \u0111\u00e3 d\u1ef1 li\u1ec7u v\u1ec1 c\u00e1c tranh ch\u1ea5p trong qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng nh\u00e0 chung c\u01b0 n\u00ean \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p t\u1ea1i \u0110i\u1ec1u 43 Th\u00f4ng t\u01b0 s\u1ed1 02\/2016\/TT-BXD (s\u1eeda \u0111\u1ed5i b\u1edfi kho\u1ea3n 15 \u0110i\u1ec1u 3 Th\u00f4ng t\u01b0 28\/2016\/TT-BXD, c\u1ee5 th\u1ec3:<\/p>\n

    \u201c\u0110i\u1ec1u 43. Gi\u1ea3i quy\u1ebft tranh ch\u1ea5p<\/em><\/p>\n

      \n
    1. C\u00e1c tranh ch\u1ea5p v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tr\u00ean c\u01a1 s\u1edf th\u01b0\u01a1ng l\u01b0\u1ee3ng, h\u00f2a gi\u1ea3i theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 nh\u00e0 \u1edf, Quy ch\u1ebf n\u00e0y v\u00e0 ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan; tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u01b0\u01a1ng l\u01b0\u1ee3ng, h\u00f2a gi\u1ea3i \u0111\u01b0\u1ee3c th\u00ec y\u00eau c\u1ea7u T\u00f2a \u00e1n nh\u00e2n d\u00e2n gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.\u00a0<\/em><\/li>\n
    2. C\u00e1c tranh ch\u1ea5p v\u1ec1 kinh ph\u00ed qu\u1ea3n l\u00fd v\u1eadn h\u00e0nh nh\u00e0 chung c\u01b0, v\u1ec1 vi\u1ec7c b\u00e0n giao, qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng kinh ph\u00ed b\u1ea3o tr\u00ec ph\u1ea7n s\u1edf h\u1eefu chung c\u1ee7a nh\u00e0 chung c\u01b0 do \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p t\u1ec9nh n\u01a1i c\u00f3 nh\u00e0 chung c\u01b0 \u0111\u00f3 gi\u1ea3i quy\u1ebft; tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi quy\u1ebft \u0111\u1ecbnh c\u1ee7a \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p t\u1ec9nh th\u00ec c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u T\u00f2a \u00e1n nh\u00e2n d\u00e2n gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/em><\/li>\n
    3. C\u00e1c tranh ch\u1ea5p gi\u1eefa c\u00e1c th\u00e0nh vi\u00ean Ban qu\u1ea3n tr\u1ecb nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo quy ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Ban qu\u1ea3n tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c h\u1ed9i ngh\u1ecb nh\u00e0 chung c\u01b0 th\u00f4ng qua.<\/em><\/li>\n<\/ol>\n

      …<\/em><\/p>\n

        \n
      1. C\u00e1c tranh ch\u1ea5p gi\u1eefa Ban qu\u1ea3n tr\u1ecb nh\u00e0 chung c\u01b0 v\u1edbi ch\u1ee7 s\u1edf h\u1eefu, ng\u01b0\u1eddi s\u1eed d\u1ee5ng nh\u00e0 chung c\u01b0 v\u1ec1 vi\u1ec7c b\u1ea7u, mi\u1ec5n nhi\u1ec7m, b\u00e3i mi\u1ec5n, thay th\u1ebf th\u00e0nh vi\u00ean Ban qu\u1ea3n tr\u1ecb nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tr\u00ean c\u01a1 s\u1edf th\u01b0\u01a1ng l\u01b0\u1ee3ng; tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u01b0\u01a1ng l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c th\u00ec \u0111\u1ec1 ngh\u1ecb t\u1ed5 ch\u1ee9c h\u1ecdp h\u1ed9i ngh\u1ecb nh\u00e0 chung c\u01b0 \u0111\u1ec3 gi\u1ea3i quy\u1ebft.<\/em><\/li>\n
      2. C\u00e1c tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd v\u1eadn h\u00e0nh, h\u1ee3p \u0111\u1ed3ng b\u1ea3o tr\u00ec, h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd v\u1eadn h\u00e0nh nh\u00e0 chung c\u01b0 gi\u1eefa \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd v\u1eadn h\u00e0nh \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean; tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c th\u00ec y\u00eau c\u1ea7u T\u00f2a \u00e1n nh\u00e2n d\u00e2n gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d.\u00a0<\/em><\/li>\n<\/ol>\n

        C\u0103n c\u1ee9 quy \u0111\u1ecbnh tr\u00ean, c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n trong vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p trong qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng nh\u00e0 chung c\u01b0 l\u00e0 UBND c\u1ea5p t\u1ec9nh v\u00e0 T\u00f2a \u00e1n nh\u00e2n d\u00e2n. Khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, c\u00e1c c\u01a1 quan n\u00e0y c\u1ea7n nghi\u00ean c\u1ee9u k\u0129 l\u01b0\u1ee1ng, to\u00e0n di\u1ec7n c\u00e1c v\u1ea5n \u0111\u1ec1, k\u1ecbp th\u1eddi \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh nh\u1eadn th\u1ee9c, h\u00e0nh vi c\u1ee7a c\u00e1c b\u00ean li\u00ean quan, c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh x\u1eed l\u00fd vi ph\u1ea1m v\u00e0 t\u1ed5 ch\u1ee9c c\u01b0\u1ee1ng ch\u1ebf n\u1ebfu c\u1ea7n thi\u1ebft. T\u1ea5t nhi\u00ean t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng vi\u1ec7c m\u00e0 m\u1ed7i c\u01a1 quan c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o n\u1eb1m trong ph\u1ea1m vi th\u1ea9m quy\u1ec1n, tr\u00e1ch nhi\u1ec7m v\u00e0 \u0111\u00fang th\u1ee7 t\u1ee5c lu\u1eadt \u0111\u1ecbnh.<\/p>\n

        Ph\u00f3ng vi\u00ean:<\/strong><\/p>\n

        Nh\u01b0 v\u1eady, v\u1edbi c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, nhi\u1ec1u khi ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng bi\u1ebft r\u00f5 v\u1ec1 t\u00ecnh ph\u00e1p l\u00fd c\u1ee7a d\u1ef1 \u00e1n. Theo chuy\u00ean gia, trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y ng\u01b0\u1eddi mua nh\u00e0 n\u00ean y\u00eau c\u1ea7u ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ef1c hi\u1ec7n nh\u1eefng v\u1ea5n \u0111\u1ec1 g\u00ec?<\/em><\/p>\n

        Chuy\u00ean gia -Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0<\/em><\/strong><\/p>\n

        C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd li\u00ean quan \u0111\u1ebfn d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng nh\u00e0 \u1edf nh\u01b0 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 b\u00e1n nh\u00e0, vi\u1ec7c th\u1ebf ch\u1ea5p d\u1ef1 \u00e1n, vi\u1ec7c n\u1ee3 ti\u1ec1n \u0111\u1ea5t v\u00e0 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0,\u2026 Ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam t\u1ea1i c\u00e1c n\u01a1i li\u00ean quan nh\u01b0 S\u1edf X\u00e2y d\u1ef1ng, S\u1edf T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng, C\u1ee5c \u0111\u0103ng k\u00fd qu\u1ed1c gia giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (B\u1ed9 T\u01b0 ph\u00e1p), C\u01a1 quan Thu\u1ebf,\u2026<\/em><\/p>\n

        Ph\u00e1p lu\u1eadt c\u0169ng quy \u0111\u1ecbnh nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua b\u00e1n nh\u00e0 \u1edf, nh\u1ea5t l\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Tuy nhi\u00ean, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng n\u1eafm h\u1ebft ho\u1eb7c kh\u00f3 n\u1eafm b\u1eaft m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3. V\u00ec v\u1eady, thay v\u00ec ph\u1ea3i t\u00ecm hi\u1ec3u, \u0111\u00e1nh gi\u00e1 nhi\u1ec1u y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd, th\u00ec ch\u1ec9 c\u1ea7n t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o vi\u1ec7c c\u00f3 b\u1ea3o l\u00e3nh th\u1eadt c\u1ee7a ng\u00e2n h\u00e0ng hay kh\u00f4ng? V\u00ec v\u1eady t\u1ed1t nh\u1ea5t l\u00e0 d\u1ef1a v\u00e0o v\u0103n b\u1ea3n b\u1ea3o l\u00e3nh vi\u1ec7c b\u00e1n nh\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. V\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 ngh\u0129a v\u1ee5 giao nh\u00e0 cho ng\u01b0\u1eddi mua, n\u1ebfu kh\u00f4ng s\u1ebd ph\u1ea3i \u0111\u1ec1n b\u00f9 ti\u1ec1n cho ng\u01b0\u1eddi mua, n\u00ean h\u1ecd s\u1ebd ph\u1ea3i b\u1ea3o \u0111\u1ea3m c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf an to\u00e0n cao nh\u1ea5t.<\/em><\/p>\n

        Th\u1ea3o lu\u1eadn c\u00f9ng v\u1edbi c\u00e2u h\u1ecfi ph\u00eda Ng\u00e2n h\u00e0ng:<\/strong><\/p>\n

        \u0110\u1ed9c gi\u1ea3 Kim Li\u00ean (H\u00e0 N\u1ed9i):<\/strong><\/p>\n

        V\u1edbi nh\u1eefng ti\u1ec1m \u1ea9n b\u1ea5t \u1ed5n, \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro cho nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0, theo \u00f4ng c\u1ea7n l\u00e0m r\u00f5 nh\u1eefng v\u1ea5n \u0111\u1ec1 g\u00ec?<\/em><\/p>\n

        \u00d4ng Nguy\u1ec5n M\u1ea1nh H\u00e0<\/strong><\/p>\n

        Vi\u1ec7c b\u00e1n nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u00f3 r\u1ea5t nhi\u1ec1u thu\u1eadn l\u1ee3i v\u00e0 n\u00f3 th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh ti\u1ebfn b\u1ed9 c\u1ee7a ph\u01b0\u01a1ng th\u1ee9c n\u00e0y trong th\u1eddi gian qua. Th\u1ecb tr\u01b0\u1eddng B\u0110S \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u01a1 b\u1ea3n nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n nh\u1edd ph\u01b0\u01a1ng th\u1ee9c n\u00e0y. N\u1ebfu ch\u00fang ta ph\u1ea3i \u0111i vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec ch\u00fang ta s\u1ebd l\u00e0m gi\u00e1 nh\u00e0 l\u00ean r\u1ea5t cao.<\/p>\n

        Ph\u01b0\u01a1ng th\u1ee9c n\u00e0y gi\u00fap ng\u01b0\u1eddi mua c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1eddi gian ti\u1ebft ki\u00eam. T\u1eeb khi b\u00e1n nh\u00e0 \u0111\u1ebfn nh\u1eadn nh\u00e0 \u00edt ph\u1ea3i\u00a02 n\u0103m<\/a>, nhi\u1ec1u ph\u1ea3i 3,\u00a04 n\u0103m<\/a>.<\/p>\n

        Trong th\u1eddi gian \u0111\u00f3, ng\u01b0\u1eddi mua nh\u00e0 ch\u1ec9 ph\u1ea3i gi\u1ea3 kho\u1ea3n ti\u1ec1n khi\u00eam t\u1ed1n. C\u00f2n nh\u1eefng l\u1ea7n sau ng\u01b0\u1eddi mua nh\u00e0 tr\u1ea3 theo ti\u1ebfn \u0111\u1ed9. Qu\u00e1 tr\u00ecnh \u0111\u00f3, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 t\u01b0 t\u01b0\u1edfng ti\u1ebft ki\u1ec7m v\u00e0 lo \u0111\u01b0\u1ee3c kinh ph\u00ed tr\u1ea3 ti\u1ec1n nh\u00e0.<\/p>\n

        Tuy nhi\u00ean n\u00f3 c\u0169ng ti\u1ec1m \u1ea9n r\u1ee7i ro, \u0111\u01a1n c\u1eed c\u00e1c d\u1ef1 \u00e1n ch\u01b0a c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd nh\u01b0ng \u0111\u00e3 rao b\u00e1n. Sau \u0111\u00f3 ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1 sau. Nhi\u1ec1u d\u1ef1 \u00e1n ch\u1eadm v\u00e0i n\u0103m g\u00e2y r\u1ee7i ro l\u1edbn cho kh\u00e1ch h\u00e0ng.<\/p>\n

        Nhi\u1ec1u d\u1ef1 \u00e1n c\u00f2n huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n sau \u0111\u00f3 \u0111\u1ea7u t\u01b0 v\u00e0o d\u1ef1 \u00e1n kh\u00e1c. Nhi\u1ec1u c\u00f4ng tr\u00ecnh kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng b\u00e0n giao cho kh\u00e1ch h\u00e0ng.<\/p>\n

        Lu\u1eadt nh\u00e0 \u1edf 2014, lu\u1eadt kinh doanh B\u0110S 2014 \u0111\u00e3 quy \u0111\u1ecbnh, \u0111\u1ec3 ch\u1ee7 \u0111\u1ea7u t\u01b0 b\u00e1n nh\u00e0 trong t\u01b0\u01a1ng lai th\u00ec ph\u1ea3i c\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u01b0 x\u00e2y xong m\u00f3ng, c\u00f3 b\u1ea3o \u0111\u1ea3m c\u1ee7a ng\u00e2n h\u00e0ng\u2026 M\u1edbi \u0111\u00e2y NHNN \u0111\u00e3 ra th\u00f4ng t\u01b0 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

        \u0110\u1ec3 h\u1ea1n ch\u1ebf nh\u1eefng r\u1ee7i ro, ngo\u00e0i vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n nghi\u00ean c\u1ee9u c\u1eb7n k\u1ebd c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a d\u1ef1 \u00e1n tr\u01b0\u1edbc khi mua nh\u00e0.\u0110\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro n\u00e0y, lu\u1eadt nh\u00e0 \u1edf 2014 v\u00e0 lu\u1eadt kinh doanh 2014 \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t r\u00f5 r\u00e0ng, \u0111\u1ec3 l\u00e0m sao cho d\u00f2ng v\u1ed1n g\u00f3p ng\u01b0\u1eddi mua nh\u00e0 th\u1ec3 hi\u1ec7n c\u00f4ng khai v\u00e0 minh b\u1ea1ch h\u01a1n.<\/p>\n

        Nh\u01b0 v\u1eady, ngo\u00e0i vi\u1ec7c \u0111\u00e1p \u1ee9ng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n nghi\u00ean c\u1ee9u c\u1eb7n k\u1ebd \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0.<\/p>\n

        \u0110\u1ed9c gi\u1ea3 Ho\u00e0ng Qu\u1ed1c Vi\u1ec7t (Ngh\u1ec7 An):<\/strong><\/p>\n

        C\u00e1c ng\u00e2n h\u00e0ng v\u1eabn \u0111ang \u0111\u1ea9y m\u1ea1nh cho vay ti\u00eau d\u00f9ng, \u00a0tung ra c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh k\u00edch c\u1ea7u t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, ch\u1ea1y \u0111ua thu h\u00fat kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 c\u00f3 cho vay mua nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.\u00a0 C\u00f3 m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn lo ng\u1ea1i vi\u1ec7c \u0111\u1ea9y m\u1ea1nh cho vay mua nh\u00e0 c\u00f3 th\u1ec3 d\u1eabn t\u1edbi n\u1ee3 x\u1ea5u b\u1edfi l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f2n ti\u1ec1m \u1ea9n nhi\u1ec1u b\u1ea5t \u1ed5n. B\u00e0 nh\u1eadn \u0111\u1ecbnh g\u00ec v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

        B\u00e0\u00a0Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n-\u00a0 Ng\u00e2n h\u00e0ng PVcomBank:<\/strong><\/p>\n

        \u0110\u00e2y l\u00e0 c\u00e2u h\u1ecfi mang t\u00ednh ch\u1ea5t v\u0129 m\u00f4 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng v\u1ec1 m\u1eb7t ch\u00ednh s\u00e1ch trong l\u0129nh v\u1ef1c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, PVcomBank nh\u1eadn \u0111\u1ecbnh, n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng th\u1ea9m \u0111\u1ecbnh, cho vay \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u v\u00e0 l\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng cu\u1ed1i c\u00f9ng (gi\u1ea3m b\u1edbt \u0111\u1ed1i t\u01b0\u1ee3ng vay \u0111\u1ea7u c\u01a1) th\u00ec kh\u1ea3 n\u0103ng n\u1ee3 x\u1ea5u nh\u01b0 nh\u1eadn \u0111\u1ecbnh tr\u00ean s\u1ebd kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra.<\/p>\n

        \u0110\u01a1n gi\u1ea3n, ch\u00fang ta c\u1ee9 h\u00ecnh dung, n\u1ebfu nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 \u0111\u1ec1u xu\u1ea5t ph\u00e1t t\u1eeb nhu c\u1ea7u thi\u1ebft y\u1ebfu, mua nh\u00e0 \u0111\u1ec3 \u1edf th\u00ec g\u1ea7n nh\u01b0 kh\u00f3 kh\u0103n m\u1ea5y ch\u00fang ta c\u0169ng c\u1ed1 g\u1eafng t\u00ecm c\u00e1ch tr\u1ea3 n\u1ee3 \u0111\u1ec3 gi\u1eef \u0111\u01b0\u1ee3c nh\u00e0.<\/p>\n

        Tuy nhi\u00ean, n\u1ebfu nh\u01b0 m\u1ed7i ng\u01b0\u1eddi mua nh\u00e0 coi \u0111\u00e2y l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0, n\u1ebfu c\u00f3 l\u1ee3i nhu\u1eadn th\u00ec b\u00e1n, n\u1ebfu r\u1ee7i ro ho\u1eb7c d\u1ef1 \u00e1n qu\u00e1 xu\u1ed1ng gi\u00e1 th\u00ec th\u00e0 c\u1eaft l\u1ed7, bu\u00f4ng b\u1ecf \u0111\u00fang th\u1eddi \u0111i\u1ec3m c\u00f2n h\u01a1n h\u00e0ng k\u1ef3 l\u1ea1i g\u00f3p th\u00eam ti\u1ec1n v\u00e0o tr\u1ea3 n\u1ee3. Do v\u1eady, t\u00e0i tr\u1ee3 \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n quan t\u00e2m.<\/p>\n

        \u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng s\u1ebd quan t\u00e2m \u0111\u1ebfn ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, n\u00ean c\u00e1c d\u1ef1 \u00e1n m\u00e0 PVcomBank h\u01b0\u1edbng \u0111\u1ebfn l\u00e0 c\u00e1c d\u1ef1 \u00e1n \u1ed5n \u0111\u1ecbnh \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i, n\u00ean ch\u00fa t\u00e2m \u0111\u1ebfn c\u00e1c d\u1ef1 \u00e1n ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng v\u00e0 c\u00f3 t\u00ednh \u1ed5n \u0111\u1ecbnh.<\/p>\n

        \u0110\u1ed9c gi\u1ea3 Tr\u01b0\u01a1ng V\u00e2n Anh (Ho\u00e0i \u0110\u1ee9c, H\u00e0 N\u1ed9i):<\/strong><\/p>\n

        Theo b\u00e1o c\u00e1o c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb nghi\u00ean c\u1ee9u th\u1ecb tr\u01b0\u1eddng, m\u1ed9t trong nh\u1eefng kh\u00f3 kh\u0103n l\u1edbn nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0 hi\u1ec7n nay l\u00e0 ti\u1ebfn \u0111\u1ed9 thanh to\u00e1n qu\u00e1 d\u00e0y c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. V\u1eady, doanh nghi\u1ec7p b\u1ea5t d\u1ed9ng s\u1ea3n \u0111\u00e3 \u0111\u01b0a ra gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh n\u00e0o t\u1ed1i \u01b0u cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 k\u00edch c\u1ea7u? V\u00e0 khi \u0111\u01b0a ra nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u00f3, ph\u00eda doanh nghi\u1ec7p c\u00f3 g\u1eb7p nh\u1eefng tr\u1edf ng\u1ea1i, kh\u00f3 kh\u0103n g\u00ec v\u1ec1 ngu\u1ed3n v\u1ed1n kh\u00f4ng?<\/em><\/p>\n

        \u00d4ng L\u00ea Ng\u1ecdc Qu\u00fd- \u0110\u1ea1i di\u1ec7n\u00a0<\/strong>\u00a0<\/strong><\/em>C\u00f4ng ty c\u1ed5 ph\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 kinh doanh Quang Minh:<\/strong><\/p>\n

        Nh\u01b0 ch\u00fang ta \u0111\u00e3 bi\u1ebft, ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 B\u0110S g\u1ed3m: Ngu\u1ed3n v\u1ed1n t\u1ef1 c\u00f3, ngu\u1ed3n v\u1ed1n vay ng\u00e2n h\u00e0ng, ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng t\u1eeb kh\u00e1ch h\u00e0ng. Khi ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng t\u1eeb kh\u00e1ch h\u00e0ng b\u1ecb h\u1ea1n ch\u1ebf, doanh nghi\u1ec7p ph\u1ea3i vay v\u1ed1n ng\u00e2n h\u00e0ng nhi\u1ec1u h\u01a1n, t\u0103ng th\u00eam g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh, \u0111\u1ea9y chi ph\u00ed \u0111\u1ea7u t\u01b0 l\u00ean cao.<\/p>\n

        Tuy nhi\u00ean, trong th\u1eddi \u0111i\u1ec3m ngu\u1ed3n cung nhi\u1ec1u, th\u1ecb tr\u01b0\u1eddng c\u00f3 s\u1ef1 c\u1ea1nh tranh cao nh\u01b0 hi\u1ec7n t\u1ea1i,\u00a0 \u0111\u1ed1i v\u1edbi d\u1ef1 \u00e1n Stellar Garden t\u1ea1i 35 L\u00ea V\u0103n Thi\u00eam, ch\u00fang t\u00f4i v\u1eabn \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh, h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng t\u1ed1i \u0111a nh\u01b0:<\/p>\n

        – Gi\u00e3n ti\u1ebfn \u0111\u1ed9 thanh to\u00e1n th\u00e0nh nhi\u1ec1u \u0111\u1ee3t, m\u1ed7i \u0111\u1ee3t thanh to\u00e1n theo ti\u1ebfn \u0111\u1ed9 x\u00e2y d\u1ef1ng th\u1ef1c t\u1ebf. Ti\u1ebfn \u0111\u1ed9 thanh to\u00e1n t\u1ea1i d\u1ef1 \u00e1n Stellar Garden hi\u1ec7n t\u1ea1i \u0111ang l\u00e0: 35% (k\u00fd H\u0110MB) – 15% (d\u1ef1 \u00e1n thi c\u00f4ng \u0111\u1ebfn s\u00e0n t\u1ea7ng 25) – 20%\u00a0 (d\u1ef1 \u00e1n x\u00e2y xong t\u1ea7ng m\u00e1i)\u00a0 – 25% (khi nh\u1eadn b\u00e0n giao nh\u00e0) \u2013 5% (nh\u1eadn s\u1ed5 \u0111\u1ecf).<\/p>\n

        – Khuy\u1ebfn m\u1ea1i, gi\u1ea3m gi\u00e1, tr\u1eeb tr\u1ef1c ti\u1ebfp v\u00e0o gi\u00e1 b\u00e1n c\u0103n h\u1ed9. V\u00ed d\u1ee5: Kh\u00e1ch h\u00e0ng khi k\u00fd H\u0110DMB \u0111\u01b0\u1ee3c chi\u1ebft kh\u1ea5u 3% khi \u0111\u00f3ng 50% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9; CK 5% khi \u0111\u00f3ng 70% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9; CK 8% khi \u0111\u00f3ng 95% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9.<\/p>\n

        – Ngo\u00e0i ra c\u00f2n c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh t\u1eb7ng g\u00f3i n\u1ed9i th\u1ea5t tr\u1ecb gi\u00e1 t\u1eeb 100 tri\u1ec7u \u0111\u1ebfn 150 tri\u1ec7u (t\u00f9y di\u1ec7n t\u00edch t\u1eebng c\u0103n), h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng ho\u00e0n thi\u1ec7n c\u0103n h\u1ed9, gi\u1ea3m g\u00e1nh n\u1eb7ng chi ph\u00ed.<\/p>\n

        – B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00fang t\u00f4i c\u00f2n k\u1ebft h\u1ee3p c\u00e1c ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u1ebfn 85% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9 v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i. Trong th\u1eddi gian t\u1edbi s\u1ebd h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t 0% khi kh\u00e1ch h\u00e0ng mua nh\u00e0.<\/p>\n

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

        An ninh Ti\u1ec1n t\u1ec7 (Giao l\u01b0u tr\u1ef1c tuy\u1ebfn) 21-11-2017:<\/em><\/strong><\/p>\n

        http:\/\/antt.vn\/truc-tuyen-giai-phap-tai-chinh-cho-nguoi-mua-nha–215684.htm<\/a><\/p>\n

        (1510\/8.026)<\/em>","protected":false},"excerpt":{"rendered":"

        (ANTT) – Trong b\u1ed1i c\u1ea3nh ngu\u1ed3n cung b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang t\u0103ng, c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1ebd l\u00e0m g\u00ec \u0111\u1ec3 c\u1ea1nh tranh nhau? Mua nh\u00e0 d\u1ef1 \u00e1n b\u00e2y gi\u1edd kh\u00f4ng ch\u1ec9 \u0111\u1eb7t ni\u1ec1m tin v\u00e0o ch\u1ee7 \u0111\u1ea7u t\u01b0, m\u00e0 c\u00f2n \u0111\u1eb7t ni\u1ec1m tin v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng. H\u00f4m nay (21\/11) chuy\u00ean trang \u0111i\u1ec7n t\u1eed An […]<\/p>\n","protected":false},"author":1,"featured_media":14036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-14035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.902. 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