{"id":1485,"date":"2021-12-18T05:29:10","date_gmt":"2021-12-17T22:29:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=1485"},"modified":"2022-02-24T12:52:46","modified_gmt":"2022-02-24T05:52:46","slug":"2-927-lai-suat-cho-vay-tien-mat-cua-f88-va-the-gioi-di-dong-qua-cao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-927-lai-suat-cho-vay-tien-mat-cua-f88-va-the-gioi-di-dong-qua-cao\/","title":{"rendered":"2.927. L\u00e3i su\u1ea5t cho vay ti\u1ec1n m\u1eb7t c\u1ee7a F88 v\u00e0 Th\u1ebf gi\u1edbi di \u0111\u1ed9ng qu\u00e1 cao?"},"content":{"rendered":"(NL\u0110)<\/strong> \u2013 Vi\u1ec7c Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng h\u1ee3p t\u00e1c v\u1edbi chu\u1ed7i d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 F88 cho vay ti\u1ec1n m\u1eb7t h\u01b0\u1edbng t\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u1ea7n kho\u1ea3n ti\u1ec1n c\u1ea5p b\u00e1ch.<\/p>\n

D\u1ef1 ki\u1ebfn t\u1eeb ng\u00e0y 20-12, h\u1ec7 th\u1ed1ng c\u1eeda h\u00e0ng Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng v\u00e0 chu\u1ed7i d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 F88 s\u1ebd ch\u00ednh th\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ti\u1ec1n m\u1eb7t \u0111\u1ebfn kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng v\u00e0 \u0110i\u1ec7n M\u00e1y Xanh.<\/p>\n

T\u1ed5ng chi ph\u00ed vay 7,5%\/th\u00e1ng<\/strong><\/p>\n

Tr\u01b0\u1edbc m\u1eaft, vi\u1ec7c h\u1ee3p t\u00e1c s\u1ebd \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m t\u1ea1i khu v\u1ef1c TP HCM t\u1eeb th\u00e1ng 12-2021, sau \u0111\u00f3 s\u1ebd m\u1edf r\u1ed9ng ra to\u00e0n h\u1ec7 th\u1ed1ng.<\/p>\n

Theo th\u00f4ng c\u00e1o c\u1ee7a Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng, \u0111\u00e2y l\u00e0 b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u c\u1ee7a doanh nghi\u1ec7p n\u00e0y trong qu\u00e1 tr\u00ecnh thi\u1ebft l\u1eadp h\u1ec7 sinh th\u00e1i b\u00e1n l\u1ebb t\u00edch h\u1ee3p t\u00e0i ch\u00ednh v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng kh\u00e1c, s\u1eb5n s\u00e0ng ph\u1ee5c v\u1ee5 m\u1ecdi nhu c\u1ea7u kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t \u0111i\u1ec3m \u0111\u1ebfn.<\/p>\n

Nh\u01b0\u00a0B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng<\/em>\u00a0\u0111\u00e3 th\u00f4ng tin, g\u00f3i s\u1ea3n ph\u1ea9m cho vay ti\u1ec1n m\u1eb7t do F88 cung c\u1ea5p kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i ph\u00e1t sinh b\u1ea5t c\u1ee9 ho\u1ea1t \u0111\u1ed9ng mua s\u1eafm n\u00e0o t\u1ea1i Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng. D\u00f9 v\u1eady, ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ch\u1ee9ng minh th\u01b0 ho\u1eb7c c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n v\u00e0 c\u00e0 v\u1eb9t xe \u0111\u1ee9ng t\u00ean ch\u00ednh ch\u1ee7.<\/p>\n

H\u1ea1n m\u1ee9c vay t\u1ed1i \u0111a cho d\u1ecbch v\u1ee5 n\u00e0y l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng\/giao d\u1ecbch, ti\u1ec1n g\u1ed1c v\u00e0 chi ph\u00ed vay \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u1ec1u trong v\u00f2ng 12 th\u00e1ng v\u1edbi chi ph\u00ed vay 7,5%\/th\u00e1ng, ph\u00ed ph\u1ea1t t\u1ea5t to\u00e1n s\u1edbm tr\u01b0\u1edbc h\u1ea1n l\u00e0 5% nh\u00e2n s\u1ed1 ti\u1ec1n g\u1ed1c c\u00f2n l\u1ea1i. Ph\u00ed ph\u1ea1t qu\u00e1 h\u1ea1n l\u00e0 50.000 \u0111\u1ed3ng m\u1ed7i ng\u00e0y v\u00e0 t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 150.000 \u0111\u1ed3ng tr\u00ean 1 k\u1ef3 qu\u00e1 h\u1ea1n.<\/p>\n

Ngay sau khi c\u00f4ng b\u1ed1, th\u00f4ng tin n\u00e0y thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng. Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t cho vay nh\u01b0 c\u00f4ng b\u1ed1 l\u00e0 qu\u00e1 cao, cao h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng; chi ph\u00ed vay 7,5%\/th\u00e1ng t\u00ednh ra m\u1ed9t n\u0103m l\u00ean t\u1edbi 90%? \u0110\u1ed3ng th\u1eddi, ph\u00ed ph\u1ea1t qu\u00e1 h\u1ea1n 50.000 \u0111\u1ed3ng\/ng\u00e0y v\u00e0 kh\u00f4ng qu\u00e1 150.000 \u0111\u1ed3ng\/k\u1ef3 qu\u00e1 h\u1ea1n c\u0169ng l\u00e0 cao?…<\/p>\n

\"\"<\/p>\n

Chu\u1ed7i d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 F88 c\u00f3 m\u1eb7t tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1eeb n\u0103m 2013<\/em><\/p>\n

Tr\u1ea3 l\u1eddi th\u1eafc m\u1eafc c\u1ee7a b\u1ea1n \u0111\u1ecdc, trao \u0111\u1ed5i v\u1edbi\u00a0B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng<\/em>, \u0111\u1ea1i di\u1ec7n F88 cho bi\u1ebft kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c cho vay ti\u1ec1n m\u1eb7t v\u1edbi kho\u1ea3n vay trung b\u00ecnh l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi gian 12 th\u00e1ng, tr\u1ea3 d\u1ea7n theo th\u00e1ng. T\u1ed5ng chi ph\u00ed vay bao g\u1ed3m l\u00e3i su\u1ea5t, ph\u00ed th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, ph\u00ed th\u1ea9m \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n cho vay l\u00e0 7,5% m\u1ed9t th\u00e1ng, trong \u0111\u00f3 l\u00e3i su\u1ea5t l\u00e0 1,1% v\u00e0 chi ph\u00ed vay tr\u1ea3 theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n.<\/p>\n

V\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay, F88 cho r\u1eb1ng hi\u1ec7n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng \u0111ang cung c\u1ea5p c\u00e1c kho\u1ea3n cho vay ti\u1ec1n m\u1eb7t v\u1edbi g\u00f3i trung b\u00ecnh 30-70 tri\u1ec7u \u0111\u1ed3ng, chi ph\u00ed vay g\u1ed3m c\u1ea3 l\u00e3i su\u1ea5t t\u1eeb 60-75%\/n\u0103m. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng d\u1ec5 d\u00e0ng, nh\u1ea5t l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p.<\/p>\n

“\u0110\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng vay ti\u1ec1n m\u1eb7t trong h\u1ee3p t\u00e1c c\u1ee7a F88 l\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh hay ng\u00e2n h\u00e0ng ho\u1eb7c \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u1ea7n m\u1ed9t kho\u1ea3n ti\u1ec1n g\u1ea5p \u0111\u1ec3 ph\u1ee5c v\u1ee5 chi ti\u00eau sinh ho\u1ea1t gia \u0111\u00ecnh\u2026 Tr\u00ean th\u1ef1c t\u1ebf, nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c xem l\u00e0 d\u01b0\u1edbi chu\u1ea9n ng\u00e2n h\u00e0ng hi\u1ec7n nay c\u00f3 nhu c\u1ea7u vay nh\u01b0ng h\u1ecd g\u1eb7p ph\u1ea3i nhi\u1ec1u kh\u00f3 kh\u0103n, th\u1eadm ch\u00ed l\u00e0 r\u1ee7i ro khi ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00e0i ch\u00ednh” – \u0111\u1ea1i di\u1ec7n F88 gi\u1ea3i th\u00edch.<\/p>\n

L\u00e3i su\u1ea5t qu\u00e1 cao c\u00f3 vi ph\u1ea1m?<\/strong><\/p>\n

Theo t\u00ecm hi\u1ec3u, chu\u1ed7i d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 F88 thu\u1ed9c C\u00f4ng ty CP Kinh doanh F88 l\u00e0 doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng do S\u1edf K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0 TP H\u00e0 N\u1ed9i c\u1ea5p gi\u1ea5y ph\u00e9p, v\u1edbi lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3. Doanh nghi\u1ec7p n\u00e0y kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng theo gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Theo Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, hi\u1ec7n c\u00f3 nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1eb7c c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh th\u00e0nh l\u1eadp theo Lu\u1eadt Doanh nghi\u1ec7p do s\u1edf k\u1ebf ho\u1ea1ch v\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng c\u1ea5p ph\u00e9p \u2013 kh\u00f4ng ph\u1ea3i do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, v\u1edbi \u0111i\u1ec1u ki\u1ec7n cho vay v\u1ed1n r\u1ea5t h\u1ea5p d\u1eabn, khi\u1ebfn d\u01b0 lu\u1eadn t\u01b0\u1edfng nh\u1ea7m l\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, ph\u00e2n t\u00edch m\u1ecdi c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p \u0111i vay (huy \u0111\u1ed9ng) v\u00e0 cho vay trong m\u1ed9t ph\u1ea1m vi nh\u1ea5t \u0111\u1ecbnh, m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 \u0111\u1ea7u t\u01b0, kinh doanh v\u00e0 c\u0169ng kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 8 v\u1ec1 “Quy\u1ec1n ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng”, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017).<\/em><\/p>\n

C\u00f3 \u00edt nh\u1ea5t 8 nh\u00f3m c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho vay h\u1ee3p ph\u00e1p m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, trong \u0111\u00f3 c\u00f3 ho\u1ea1t \u0111\u1ed9ng cho vay chuy\u00ean nghi\u1ec7p nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u00e0 qu\u1ef9 \u0111\u1ea7u t\u01b0, ph\u00e1t tri\u1ec3n \u0111\u1ecba ph\u01b0\u01a1ng. C\u00e1c app cho vay, c\u00e1c h\u00ecnh th\u1ee9c cho vay ngang h\u00e0ng c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p n\u1ebfu nh\u01b0 kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p.<\/em><\/p>\n

V\u1eady l\u00e3i su\u1ea5t cho vay bao nhi\u00eau th\u00ec b\u1ea5t th\u01b0\u1eddng v\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c ph\u00e2n t\u00edch, m\u1ecdi tr\u01b0\u1eddng h\u1ee3p cho vay b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, n\u1ebfu c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m \u0111\u1ec1u l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p. Kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 “L\u00e3i su\u1ea5t”, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng “kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c”. Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 20% th\u00ec “m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c”.<\/em><\/p>\n

N\u1ebfu cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb 100% tr\u1edf l\u00ean th\u00ec s\u1ebd c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m v\u00e0o “T\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1”, theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201, B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017). Tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec \u0111\u00e3 th\u1ec3 hi\u1ec7n r\u00f5 d\u1ea5u hi\u1ec7u c\u1ee7a “t\u00edn d\u1ee5ng \u0111en”.<\/em><\/p>\n

“Tuy nhi\u00ean, ng\u01b0\u1eddi cho vay hi\u1ebfm khi ghi nh\u1eadn r\u00f5 r\u00e0ng m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf, m\u00e0 th\u01b0\u1eddng \u1ea9n gi\u1ea5u d\u01b0\u1edbi c\u00e1ch th\u1ee9c kh\u00e1c nhau nh\u01b0: gi\u1eef l\u1ea1i 1 ph\u1ea7n ti\u1ec1n ngay t\u1eeb khi cho vay, t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c, t\u00ednh c\u00e1c lo\u1ea1i ph\u00ed ngo\u00e0i l\u00e3i, nh\u01b0 ph\u00ed th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay, ph\u00ed th\u1ea9m \u0111\u1ecbnh t\u00e0i s\u1ea3n, ph\u00ed b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, l\u00e3i su\u1ea5t ph\u1ea1t vi ph\u1ea1m, ghi m\u1ed9t con s\u1ed1 th\u1ea5p nh\u01b0ng thu l\u00e3i cao h\u01a1n\u2026” \u2013 Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00eau r\u00f5.<\/em><\/p>\n

Ngo\u00e0i ra, tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c khi cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb tr\u00ean 20% \u0111\u1ebfn d\u01b0\u1edbi 100%\/n\u0103m, tuy vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t. Ch\u1eb3ng h\u1ea1n, tr\u01b0\u1eddng h\u1ee3p c\u01a1 s\u1edf cho vay c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t “v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay” th\u00ec c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, nh\u01b0ng quy \u0111\u1ecbnh “v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n” \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2017 theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 v\u1ec1 “L\u00e3i su\u1ea5t”, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/em><\/p>\n

C\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh khuy\u1ebfn c\u00e1o ng\u01b0\u1eddi d\u00f9ng khi vay v\u1ed1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c, c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c cho vay c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 quy \u0111\u1ecbnh, th\u1ee7 t\u1ee5c, v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed ph\u1ea1t tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c ph\u00ed ph\u1ea1t qu\u00e1 h\u1ea1n \u0111\u1ec3 tr\u00e1nh v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

Th\u00e1i Ph\u01b0\u01a1ng<\/strong><\/p>\n

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

Ng\u01b0\u1eddi<\/em> lao \u0111\u1ed9ng (Kinh t\u1ebf) 18-12-2021<\/em><\/p>\n

https:\/\/nld.com.vn\/kinh-te\/lai-suat-cho-vay-tien-mat-cua-f88-va-the-gioi-di-dong-qua-cao-20211218165203914.htm<\/a><\/em><\/p>\n

(568\/1.425)<\/em>","protected":false},"excerpt":{"rendered":"

(NL\u0110) \u2013 Vi\u1ec7c Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng h\u1ee3p t\u00e1c v\u1edbi chu\u1ed7i d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 F88 cho vay ti\u1ec1n m\u1eb7t h\u01b0\u1edbng t\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng kh\u00f4ng ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u1ea7n kho\u1ea3n ti\u1ec1n c\u1ea5p b\u00e1ch. D\u1ef1 ki\u1ebfn t\u1eeb ng\u00e0y 20-12, h\u1ec7 th\u1ed1ng c\u1eeda h\u00e0ng Th\u1ebf Gi\u1edbi […]<\/p>\n","protected":false},"author":1,"featured_media":1486,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-1485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.927. 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