{"id":16410,"date":"2017-07-06T21:20:11","date_gmt":"2017-07-06T14:20:11","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=16410"},"modified":"2022-03-28T21:22:34","modified_gmt":"2022-03-28T14:22:34","slug":"1-714-chu-xe-vay-tra-gop-tien-thoai-luong-nan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-714-chu-xe-vay-tra-gop-tien-thoai-luong-nan\/","title":{"rendered":"1.714. Ch\u1ee7 xe vay tr\u1ea3 g\u00f3p ‘ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan’."},"content":{"rendered":"(TT) – Nhi\u1ec1u ng\u01b0\u1eddi vay ng\u00e2n h\u00e0ng mua \u00f4 t\u00f4 khi tham gia giao th\u00f4ng \u0111\u00e3 b\u1ecb ph\u1ea1t do kh\u00f4ng xu\u1ea5t tr\u00ecnh \u0111\u01b0\u1ee3c Gi\u1ea5y \u0111\u0103ng k\u00fd xe (b\u1ea3n ch\u00ednh) khi CSGT ki\u1ec3m tra \u1ea2NH: C\u00d4NG NGUY\u00caN<\/strong><\/p>\n

\"\"<\/p>\n

Kh\u00e1ch h\u00e0ng \u0111\u00f2i tr\u1ea3 gi\u1ea5y \u0111\u0103ng k\u00fd xe<\/strong><\/p>\n

Ng\u00e0y 4.7, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u00e1c ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c tin nh\u1eafn c\u0169ng nh\u01b0 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng h\u1ecfi ng\u00e2n h\u00e0ng c\u00f3 tr\u1ea3 gi\u1ea5y \u0111\u0103ng k\u00fd xe theo nh\u01b0 quy \u0111\u1ecbnh hay kh\u00f4ng. \u00d4ng Tu\u1ea5n (Q.7, TP.HCM) li\u00ean h\u1ec7 v\u1edbi nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ecfi ng\u00e2n h\u00e0ng c\u00f3 tr\u1ea3 l\u1ea1i gi\u1ea5y \u0111\u0103ng k\u00fd xe kh\u00f4ng th\u00ec \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng h\u01b0\u1edbng d\u1eabn “anh tr\u1ea3 h\u1ebft n\u1ee3, ng\u00e2n h\u00e0ng tr\u1ea3 l\u1ea1i anh gi\u1ea5y t\u1edd g\u1ed1c c\u1ee7a kho\u1ea3n vay”.<\/p>\n

Kh\u00f4ng ch\u1ec9 h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng m\u00e0 nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh hi\u1ec7n nay \u0111\u1ec1u tri\u1ec3n khai cho vay mua xe tr\u1ea3 g\u00f3p v\u00e0 \u0111\u1ec1u mu\u1ed1n gi\u1eef gi\u1ea5y \u0111\u0103ng k\u00fd \u00f4 t\u00f4, xe m\u00e1y khi cho vay, trong khi c\u00f4ng an th\u00ec \u0111\u00f2i gi\u1ea5y \u0111\u0103ng k\u00fd xe b\u1ea3n ch\u00ednh khi xe l\u01b0u th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng. Kh\u00f4ng ph\u1ea3i c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng bi\u1ebft quy \u0111\u1ecbnh giao gi\u1ea5y \u0111\u0103ng k\u00fd xe cho b\u00ean th\u1ebf ch\u1ea5p nh\u01b0ng \u0111\u1ec3 tri\u1ec3n khai cho vay mua xe tr\u1ea3 g\u00f3p, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u201cl\u00e1ch\u201d b\u1eb1ng c\u00e1ch ng\u01b0\u1eddi vay k\u00fd v\u00e0o gi\u1ea5y giao cho ng\u00e2n h\u00e0ng gi\u1eef h\u1ed9 gi\u1ea5y \u0111\u0103ng k\u00fd xe.<\/p>\n

Theo Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP, khi kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n th\u1ebf ch\u1ea5p \u00f4 t\u00f4, xe g\u1eafn m\u00e1y cho ng\u00e2n h\u00e0ng \u0111\u1ec3 vay ti\u1ec1n mua xe tr\u1ea3 g\u00f3p th\u00ec kh\u00e1ch h\u00e0ng v\u1eabn l\u00e0 ng\u01b0\u1eddi gi\u1eef gi\u1ea5y t\u1edd \u0111\u0103ng k\u00fd xe.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c chia s\u1ebb ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p b\u1eb1ng \u00f4 t\u00f4 hi\u1ec7n nay kh\u00e1 nhi\u1ec1u n\u00ean h\u1ea7u h\u1ebft \u0111\u1ec1u ph\u1ea3i “l\u00e1ch” \u0111\u1ec3 c\u00f3 th\u1ec3 cho vay. 10 chi\u1ebfc xe th\u00ec c\u00f3 \u0111\u1ebfn 4 – 5 chi\u1ebfc, ch\u1ee7 xe vay ng\u00e2n h\u00e0ng tr\u1ea3 g\u00f3p. Tr\u01b0\u1edbc khi Ngh\u1ecb \u0111\u1ecbnh 11\/2012 c\u00f3 hi\u1ec7u l\u1ef1c, ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p gi\u1eef gi\u1ea5y \u0111\u0103ng k\u00fd xe c\u1ee7a kh\u00e1ch h\u00e0ng v\u1eabn x\u1ea3y ra nh\u1eefng r\u1ee7i ro kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c n\u1ee3, gi\u1edd kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef th\u00ec r\u1ee7i ro c\u00f2n cao h\u01a1n. \u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00eau m\u1ed9t v\u00ed d\u1ee5 th\u1ef1c t\u1ebf \u0111\u00e3 x\u1ea3y ra \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n gi\u1eef 2 gi\u1ea5y \u0111\u0103ng k\u00fd xe nh\u01b0ng ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 ph\u1ea3i \u201ctreo th\u01b0\u1edfng\u201d cho ai cung c\u1ea5p \u0111\u01b0\u1ee3c th\u00f4ng tin chi\u1ebfc xe n\u00e0y \u1edf \u0111\u00e2u khi xe ”bi\u1ebfn m\u1ea5t”.<\/em><\/p>\n

Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf hi\u1ec7n nay, \u00f4ng Nguy\u1ec5n Ho\u00e0ng Minh, Ph\u00f3 gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc chi nh\u00e1nh TP.HCM cho bi\u1ebft: \u201cCh\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y v\u00e0 \u0111ang xin \u00fd ki\u1ebfn ch\u1ec9 \u0111\u1ea1o t\u1eeb ph\u00eda Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u201d.<\/p>\n

Gi\u1ea5y \u0111\u0103ng k\u00fd xe \u201c2 trong 1\u201d<\/em><\/strong><\/p>\n

S\u1edf d\u0129 x\u1ea3y ra t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng gi\u1eef gi\u1ea5y \u0111\u0103ng k\u00fd khi cho vay, theo \u00f4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c l\u00e0 do gi\u1ea5y \u0111\u0103ng k\u00fd xe kh\u00f4ng nh\u1eefng c\u00f3 \u00fd ngh\u0129a d\u00f9ng \u0111\u1ec3 l\u01b0u h\u00e0nh xe tr\u00ean \u0111\u01b0\u1eddng m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c xem l\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n t\u00e0i s\u1ea3n. <\/em>T\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i TP.HCM cho r\u1eb1ng n\u1ebfu kh\u00f4ng xem gi\u1ea5y \u0111\u0103ng k\u00fd xe l\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n t\u00e0i s\u1ea3n th\u00ec gi\u1ea5y t\u1edd n\u00e0o ch\u1ee9ng nh\u1eadn quy\u1ec1n n\u00e0y c\u1ee7a ch\u1ee7 xe. Gi\u1ea5y \u0111\u0103ng k\u00fd xe c\u00f3 \u00fd ngh\u0129a x\u00e1c \u0111\u1ecbnh ch\u1ee7 xe, do \u0111\u00f3 ng\u00e2n h\u00e0ng m\u1edbi gi\u1eef gi\u1ea5y \u0111\u1ec3 cho kh\u00e1ch h\u00e0ng vay.<\/p>\n

Vi\u1ec7c CSGT ki\u1ec3m ra, x\u1eed ph\u1ea1t c\u00e1c ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n kh\u00f4ng c\u00f3 gi\u1ea5y \u0111\u0103ng k\u00fd xe b\u1ea3n ch\u00ednh khi tham gia giao th\u00f4ng khi\u1ebfn nhi\u1ec1u t\u00e0i x\u1ebf lo l\u1eafng, b\u1edfi hi\u1ec7n c\u00f3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi khi vay ti\u1ec1n ng\u00e2n h\u00e0ng mua xe tr\u1ea3 g\u00f3p th\u00ec ng\u00e2n h\u00e0ng bu\u1ed9c th\u1ebf ch\u1ea5p gi\u1ea5y \u0111\u0103ng k\u00fd xe b\u1ea3n ch\u00ednh.<\/p>\n

Theo \u00f4ng Ng\u00f4 Minh Sang, chuy\u00ean vi\u00ean ph\u00e1p l\u00fd ng\u00e2n h\u00e0ng, gi\u1ea5y \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng (g\u1ecdi t\u1eaft c\u00e0 v\u1eb9t xe) v\u1eeba c\u00f3 \u00fd ngh\u0129a l\u00e0 c\u0103n c\u1ee9 x\u00e1c \u0111\u1ecbnh quy\u1ec1n s\u1edf h\u1eefu, v\u1eeba nh\u1eb1m ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd l\u01b0u th\u00f4ng ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng h\u1eb1ng ng\u00e0y. Vi\u1ec7c ch\u1ee7 s\u1edf h\u1eefu c\u00f3 quy\u1ec1n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u vay ti\u1ec1n c\u1ee7a m\u00ecnh kh\u00f4ng c\u00f3 g\u00ec sai tr\u00e1i. Quy\u1ec1n s\u1edf h\u1eefu v\u00e0 \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n quan tr\u1ecdng, trong \u0111\u00f3 c\u00f3 ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng nh\u01b0 xe m\u00e1y, \u00f4 t\u00f4, t\u00e0u bi\u1ec3n, t\u00e0u bay\u2026 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 n\u00f3i chung. Tuy nhi\u00ean do qu\u1ea3n l\u00fd chuy\u00ean ng\u00e0nh, m\u1ed9t s\u1ed1 c\u01a1 quan b\u1ed9 ng\u00e0nh c\u00f3 quy \u0111\u1ecbnh ri\u00eang \u0111\u1ec3 qu\u1ea3n l\u00fd h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c m\u00ecnh. \u0110i\u1ec1u \u0111\u00f3 d\u1eabn m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh m\u00e2u thu\u1eabn, ch\u1ed3ng ch\u00e9o. Tuy nhi\u00ean \u00f4ng Ng\u00f4 Minh Sang cho r\u1eb1ng b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 hi\u1ec7n h\u00e0nh \u0111\u1ec1u cho ph\u00e9p c\u00e1c b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn vi\u1ec7c gi\u1eef gi\u1ea5y t\u1edd b\u1ea3n ch\u00ednh li\u00ean quan t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh tr\u1ea1ng c\u00e0 v\u1eb9t xe ng\u00e2n h\u00e0ng \u0111ang gi\u1eef, TS-LS B\u00f9i Quang T\u00edn cho r\u1eb1ng x\u00e9t trong c\u00e1c quy \u0111\u1ecbnh c\u1ee7a b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, vi\u1ec7c giao nh\u1eadn gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n \u00f4 t\u00f4 l\u00e0 do c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn. Do \u0111\u00f3 kh\u00e1ch h\u00e0ng giao cho ng\u00e2n h\u00e0ng gi\u1eef gi\u1ea5y t\u1edd xe kh\u00f4ng c\u00f3 g\u00ec sai. \u1ede \u0111\u00e2y, c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n s\u1edbm ban h\u00e0nh quy \u0111\u1ecbnh cho ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c gi\u1eef gi\u1ea5y t\u1edd xe ho\u1eb7c \u0111\u00e1nh d\u1ea5u tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ec3 b\u00ean th\u1ee9 ba nh\u1eadn bi\u1ebft \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng r\u1eb1ng xe \u00f4 t\u00f4 \u0111ang s\u1eed d\u1ee5ng \u0111\u00e3 \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1. T\u1eeb \u0111\u00f3 s\u1ebd gi\u00fap ng\u01b0\u1eddi d\u00e2n thu\u1eadn ti\u1ec7n khi tham gia giao th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh.<\/p>\n\n\n\n
\u0110i\u1ec1u 20a Ngh\u1ecb \u0111\u1ecbnh 11\/2012\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Ngh\u1ecb \u0111\u1ecbnh 163\/2006\/N\u0110-CP v\u1ec1 giao d\u1ecbch \u0111\u1ea3m b\u1ea3o, quy \u0111\u1ecbnh b\u00ean th\u1ebf ch\u1ea5p gi\u1eef gi\u1ea5y \u0111\u0103ng k\u00fd ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng trong tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Thanh Xu\u00e2n<\/strong><\/p>\n

\n

 <\/p>\n

Thanh ni\u00ean (Kinh doanh) 06-7-2017:<\/em><\/strong><\/p>\n

http:\/\/thanhnien.vn\/kinh-doanh\/chu-xe-vay-tra-gop-tien-thoai-luong-nan-852229.html<\/em><\/a><\/p>\n

(213\/1.061)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Nhi\u1ec1u ng\u01b0\u1eddi vay ng\u00e2n h\u00e0ng mua \u00f4 t\u00f4 khi tham gia giao th\u00f4ng \u0111\u00e3 b\u1ecb ph\u1ea1t do kh\u00f4ng xu\u1ea5t tr\u00ecnh \u0111\u01b0\u1ee3c Gi\u1ea5y \u0111\u0103ng k\u00fd xe (b\u1ea3n ch\u00ednh) khi CSGT ki\u1ec3m tra \u1ea2NH: C\u00d4NG NGUY\u00caN Kh\u00e1ch h\u00e0ng \u0111\u00f2i tr\u1ea3 gi\u1ea5y \u0111\u0103ng k\u00fd xe Ng\u00e0y 4.7, c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng c\u00e1c ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c […]<\/p>\n","protected":false},"author":7,"featured_media":16412,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-16410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.714. Ch\u1ee7 xe vay tr\u1ea3 g\u00f3p 'ti\u1ebfn tho\u00e1i l\u01b0\u1ee1ng nan'. - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-714-chu-xe-vay-tra-gop-tien-thoai-luong-nan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.714. 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