{"id":18159,"date":"2016-11-17T15:15:42","date_gmt":"2016-11-17T08:15:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=18159"},"modified":"2022-04-15T15:21:52","modified_gmt":"2022-04-15T08:21:52","slug":"1-431-tai-chinh-tieu-dung-co-hoi-moi-cho-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-431-tai-chinh-tieu-dung-co-hoi-moi-cho-thi-truong\/","title":{"rendered":"1.431. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i m\u1edbi cho th\u1ecb tr\u01b0\u1eddng"},"content":{"rendered":"<strong>(VNN) &#8211; C\u00e1c chuy\u00ean gia cho r\u1eb1ng, d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng s\u1ebd th\u1ed5i \u2018lu\u1ed3ng gi\u00f3 m\u1edbi\u2019 cho th\u1ecb tr\u01b0\u1eddng \u0111em l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i kinh doanh cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/strong><\/p>\n<p>Theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng b\u00ecnh qu\u00e2n c\u1ee7a Vi\u1ec7t Nam chi\u1ebfm kho\u1ea3ng 5-6% GDP v\u00e0 t\u1ef7 l\u1ec7 n\u00e0y trong 5 n\u0103m t\u1edbi c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c 10% GDP, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 20%\/n\u0103m. Nh\u01b0 v\u1eady, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a \u1edf Vi\u1ec7t Nam ch\u1ec9 m\u1edbi trong giai \u0111o\u1ea1n kh\u1edfi \u0111\u1ea7u v\u00e0 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n v\u1eabn c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n<p>Ph\u00e2n t\u00edch c\u1ee7a StoxPlus cho th\u1ea5y, s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam b\u1eaft ngu\u1ed3n t\u1eeb nh\u1eefng thay \u0111\u1ed5i l\u1edbn trong th\u00f3i quen c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 nhu c\u1ea7u cao v\u1ec1 t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a t\u1ea7ng l\u1edbp thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh. Vi\u1ec7c chuy\u1ec3n th\u00f3i quen vay m\u01b0\u1ee3n sang c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 mang l\u1ea1i nh\u1eefng chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c. Ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng tr\u1edf n\u00ean c\u1ea1nh tranh v\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh s\u1ed1 l\u01b0\u1ee3ng c\u00e1c c\u00f4ng ty m\u1edbi tham gia th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>V\u1edbi d\u00e2n s\u1ed1 h\u01a1n 90 tri\u1ec7u ng\u01b0\u1eddi, ph\u00e2n kh\u00fac cho vay ti\u00eau d\u00f9ng \u1edf Vi\u1ec7t Nam \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 r\u1ea5t h\u1ea5p d\u1eabn n\u00ean c\u1ea3 c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u ch\u1ea1y \u0111ua trong th\u1ecb tr\u01b0\u1eddng n\u00e0y, nh\u1ea5t l\u00e0 cho vay tr\u1ea3 g\u00f3p. \u0110\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 gi\u1eef v\u1eefng th\u1ecb ph\u1ea7n, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 m\u1eb7t tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ec1u \u0111ang r\u00e1o ri\u1ebft n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, cung \u1ee9ng ra th\u1ecb tr\u01b0\u1eddng nhi\u1ec1u s\u1ea3n ph\u1ea9m m\u1edbi nhi\u1ec1u ti\u1ec7n \u00edch v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb hi\u1ebfu c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 g\u00f3p ph\u1ea7n quan tr\u1ecdng v\u00e0o k\u00ecm h\u00e3m s\u1ef1 b\u00f9ng ph\u00e1t c\u1ee7a \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n<p>L\u1ee3i \u00edch v\u1ec1 kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i c\u1ee7a vay ti\u00eau d\u00f9ng l\u00e0 r\u1ea5t l\u1edbn song ho\u1ea1t \u0111\u1ed9ng n\u00e0y v\u1eabn c\u00f2n v\u01b0\u1edbng nhi\u1ec1u kh\u00f3 kh\u0103n trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng, c\u1ee5 th\u1ec3 l\u00e0 ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd ri\u00eang, d\u1ecbch v\u1ee5 n\u00e0y v\u1eabn ho\u1ea1t \u0111\u1ed9ng v\u00e0 ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh b\u1edfi h\u00e0nh lang ph\u00e1p l\u00fd chung cho to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng (g\u1ed3m Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng), cho d\u00f9 m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng h\u01b0\u1edbng \u0111\u1ebfn c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh ho\u00e0n to\u00e0n kh\u00e1c so v\u1edbi d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18160 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/12-1.jpg\" alt=\"\" width=\"328\" height=\"184\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>B\u00e0 Ho\u00e0ng Th\u1ecb B\u1ea3o H\u01b0\u01a1ng, Ph\u00f3 T\u1ed5ng Bi\u00ean t\u1eadp b\u00e1o VietNamNet (b\u00eca ph\u1ea3i) t\u1eb7ng hoa cho c\u00e1c kh\u00e1ch m\u1eddi<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Nh\u1eb1m t\u1ea1o n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 h\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00f3i chung v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i ri\u00eang ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng v\u00e0 minh b\u1ea1ch, m\u1edbi \u0111\u00e2y Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i l\u1ea7n th\u1ee9 2 D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn n\u00e0y d\u1ef1 ki\u1ebfn s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 1\/1\/2017. \u0110\u00e2y \u0111\u01b0\u1ee3c xem nh\u01b0 m\u1ed9t \u201clu\u1ed3ng gi\u00f3 m\u1edbi\u201d t\u1ea1o khung kh\u1ed5 ph\u00e1p l\u00fd cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n t\u01b0\u01a1ng x\u1ee9ng v\u1edbi ti\u1ec1m n\u0103ng.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18161 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/04\/13-1.jpg\" alt=\"\" width=\"303\" height=\"215\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>Nh\u00e0 b\u00e1o Nguy\u1ec5n \u0110\u1ee9c Li\u00ean, Tr\u01b0\u1edfng v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n B\u00e1o VietNamNet t\u1ea1i TPHCM t\u1eb7ng hoa cho b\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean, Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean, c\u00f4ng ty T\u00e0i ch\u00ednh Home Credit. \u1ea2nh: Quang Tu\u1ea5n<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>B\u00e1o \u0111i\u1ec7n t\u1eed Vietnamnet t\u1ed5 ch\u1ee9c bu\u1ed5i giao l\u01b0u tr\u1ef1c tuy\u1ebfn: \u201cT\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i m\u1edbi cho th\u1ecb tr\u01b0\u1eddng\u201d v\u00e0o l\u00fac 14h ng\u00e0y17\/11\/2016.<\/p>\n<p>Ch\u01b0\u01a1ng tr\u00ecnh c\u00f3 s\u1ef1 tham gia c\u1ee7a 3 v\u1ecb kh\u00e1ch m\u1eddi, g\u1ed3m:<\/p>\n<ol>\n<li><strong><em> \u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><em>&#8211; Ch\u1ee7 nhi\u1ec7m CLB ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng, Hi\u1ec7p h\u1ed9i NHNH Vi\u1ec7t Nam<\/em><\/li>\n<li><strong> TS. Nguy\u1ec5n Th\u1ecb Kim Thanh<\/strong>&#8211; Nguy\u00ean Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng &#8211; NHNN Vi\u1ec7t Nam<\/li>\n<li><strong> B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean<\/strong>&#8211; Th\u00e0nh vi\u00ean H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean C\u00f4ng ty T\u00e0i ch\u00ednh Home Credit Vi\u1ec7t Nam. (kh\u00e1ch m\u1eddi \u1edf TP.HCM)<\/li>\n<\/ol>\n<p><strong>N\u1ed8I DUNG BU\u1ed4I GIAO L\u01afU<\/strong><\/p>\n<p><strong>Th\u00e0nh Trung, Nam &#8211; 29 tu\u1ed5i<\/strong><\/p>\n<p><em>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 cho vay ti\u00eau d\u00f9ng v\u1eeba \u0111\u01b0\u1ee3c NHNN \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn r\u1ed9ng r\u00e3i, trong \u0111\u00f3 quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 v\u1ec1 m\u1ee9c t\u00ednh l\u00e3i su\u1ea5t, theo \u00f4ng m\u1ee9c t\u00ednh tr\u00ean li\u1ec7u \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf hi\u1ec7n nay?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>L\u00e3i su\u1ea5t theo D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 g\u1ed3m 3 lo\u1ea1i, l\u00e3i su\u1ea5t n\u1ee3 trong h\u1ea1n, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n n\u1ee3 l\u00e3i. D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 th\u1ec3 hi\u1ec7n theo tinh th\u1ea7n, m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 trong h\u1ea1n \u0111\u01b0\u1ee3c kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n 20%\/n\u0103m v\u00e0 t\u01b0\u01a1ng \u1ee9ng l\u00e0 t\u1ed5ng c\u1ed9ng m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n 30%\/n\u0103m nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Ch\u1ec9 c\u00f3 l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n l\u00e0 b\u1eb1ng 10% theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015. Nh\u01b0 v\u1eady l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, v\u00e0 c\u00f2n kh\u1eb3ng \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111\u01b0\u1ee3c t\u00ednh l\u00e3i tr\u00ean l\u00e3i, \u0111i\u1ec1u m\u00e0 l\u00e2u nay h\u1ea7u nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c To\u00e0 \u00e1n ch\u1ea5p nh\u1eadn.<\/em><\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>To\u00e0n c\u1ea3nh bu\u1ed5i giao l\u01b0u. \u1ea2nh: L\u00ea Anh D\u0169ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>T\u00e2m \u0110\u1ee9c, Nam &#8211; 24 tu\u1ed5i<\/strong><\/p>\n<p><em>Nh\u1eadn x\u00e9t c\u1ee7a b\u00e0 v\u1ec1 vi\u1ec7c NHNN \u0111\u00e3 ban h\u00e0nh th\u00f4ng t\u01b0 t\u00e1ch b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi NHTM?<\/em><em>\u00a0<\/em><\/p>\n<p><strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Hi\u1ec7n nay, CTTC v\u1eabn \u0111ang \u0111\u01b0\u1ee3c xem v\u00e0 \u0111\u1ed1i x\u1eed nh\u01b0 l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng m\u1eb7c d\u00f9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CTTC c\u00f3 r\u1ea5t nhi\u1ec1u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi ng\u00e2n h\u00e0ng: t\u1eeb c\u01a1 c\u1ea5u s\u1ea3n ph\u1ea9m cho t\u1edbi c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng. T\u00f4i ch\u1ec9 \u0111\u01b0a m\u1ed9t v\u00ed d\u1ee5: ch\u00fang t\u00f4i cho vay tr\u1ea3 g\u00f3p nh\u1eefng kho\u1ea3n vay nh\u1ecf d\u01b0\u1edbi 80 tri\u1ec7u \u0111\u1ed3ng b\u1eb1ng c\u00e1ch cho nh\u00e2n vi\u00ean \u0111\u1ebfn ng\u1ed3i t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng b\u00e1n l\u1ebb, trong khi m\u1ed9t kho\u1ea3n vay c\u1ee7a NH s\u1ebd kh\u00f4ng d\u01b0\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u1ec9 ng\u1ed3i t\u1ea1i ph\u00f2ng giao d\u1ecbch v\u00e0 l\u00e0m vi\u1ec7c trong gi\u1edd h\u00e0nh ch\u00ednh. \u0110i\u1ec1u n\u00e0y s\u1ebd d\u1eabn \u0111\u1ebfn chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a hai lo\u1ea1i h\u00ecnh ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau.<\/p>\n<p>Do v\u1eady, vi\u1ec7c NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn d\u1ef1 th\u1ea3o m\u1edbi quy \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC l\u00e0 h\u00e0nh \u0111\u1ed9ng v\u00f4 c\u00f9ng k\u1ecbp th\u1eddi, t\u1ea1o ra c\u01a1 ch\u1ebf qu\u1ea3n l\u00fd ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a CTTC h\u01a1n.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean \u0111ang tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi b\u1ea1n \u0111\u1ecdc VietNamNet. \u1ea2nh: Quang Tu\u1ea5n<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Thanh T\u00fa, N\u1eef &#8211; 29 tu\u1ed5i<\/strong><\/p>\n<p><em>Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, vi\u1ec7c quy \u0111\u1ecbnh c\u1ee9ng v\u1ec1 m\u1ee9c t\u00ednh l\u00e3i su\u1ea5t theo nh\u01b0 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 cho vay ti\u00eau d\u00f9ng m\u00e0 NHNN v\u1eeba \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, theo \u00f4ng v\u00ec sao?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 \u0111\u01b0a ra kh\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c t\u00ednh l\u00e3i nh\u01b0: \u201cL\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 %\/n\u0103m\u201d; ph\u1ea3i \u201cbao g\u1ed3m ph\u01b0\u01a1ng ph\u00e1p, th\u1eddi \u0111i\u1ec3m, th\u1eddi gian t\u00ednh l\u00e3i ti\u1ec1n vay\u201d; \u201cnguy\u00ean t\u1eafc x\u00e1c \u0111\u1ecbnh, th\u1eddi \u0111i\u1ec3m x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t cho vay\u201d; \u201cb\u1ea3o \u0111\u1ea3m l\u00e3i ti\u1ec1n vay ph\u1ea3i tr\u1ea3 ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u01a1 s\u1edf d\u01b0 n\u1ee3 cho vay th\u1ef1c t\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u00ednh l\u00e3i.\u201d;\u2026<\/em><\/p>\n<p><em>Nh\u1eefng quy \u0111\u1ecbnh tr\u00ean l\u00e0 c\u00f3 ph\u1ea7n qu\u00e1 chi ti\u1ebft, c\u1ee9ng nh\u1eafc, can thi\u1ec7p v\u00e0o quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 kh\u00e1c v\u1edbi th\u1ef1c t\u1ebf \u0111ang di\u1ec5n ra. Vi\u1ec7c quy \u0111\u1ecbnh nh\u01b0 v\u1eady l\u00e0 nh\u1eb1m b\u1ea3o \u0111\u1ea3m t\u00ednh th\u1ed1ng nh\u1ea5t, r\u00f5 r\u00e0ng, gi\u00fap ng\u01b0\u1eddi vay d\u1ec5 hi\u1ec3u, d\u1ec5 ph\u00e2n bi\u1ec7t v\u00e0 so s\u00e1nh l\u00e3i su\u1ea5t. Tuy nhi\u00ean, thay v\u00ec ch\u1ed1t c\u1ee9ng l\u00e3i su\u1ea5t theo n\u0103m hay ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean d\u01b0 n\u1ee3 (kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean n\u1ee3 g\u1ed1c ban \u0111\u1ea7u), th\u00ec n\u00ean quy \u0111\u1ecbnh l\u1ecfng h\u01a1n, trong \u0111\u00f3 ph\u1ea3i quy \u0111\u1ed5i t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, ch\u1ee9 kh\u00f4ng nh\u1ea5t thi\u1ebft ch\u1ec9 s\u1eed d\u1ee5ng 1 c\u00e1ch t\u00ednh duy nh\u1ea5t.<br \/>\n<\/em><br \/>\n<strong>Minh Sang, Nam &#8211; 25 tu\u1ed5i<\/strong><\/p>\n<p><em>C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn v\u1ec1 cho vay ti\u00eau d\u00f9ng kh\u00f4ng n\u00ean \u0111\u1eb7t ra h\u1ea1n m\u1ee9c vay ti\u00eau d\u00f9ng ti\u1ec1n m\u1eb7t 10 tri\u1ec7u \u0111\u1ed3ng, b\u1edfi nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 \u0111i\u1ec1u n\u00e0y v\u00f4 h\u00ecnh chung s\u1ebd \u0111\u1ea9y ng\u01b0\u1eddi ti\u00eau d\u00f9ng quay l\u1ea1i v\u1edbi &#8220;t\u00edn d\u1ee5ng \u0111en&#8221;, \u00f4ng ngh\u0129 sao v\u1ec1 \u0111i\u1ec1u n\u00e0y?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>Vi\u1ec7c quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c cho vay 10 tri\u1ec7u \u0111\u1ed3ng l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u th\u1ef1c t\u1ebf nhu c\u1ea7u ti\u00eau d\u00f9ng ph\u1ed5 bi\u1ebfn hi\u1ec7n nay nhi\u1ec1u kho\u1ea3n chi ti\u00eau tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, m\u00e1y t\u00ednh b\u1ea3ng, m\u00e1y t\u00ednh x\u00e1ch tay, m\u00f4 t\u00f4,&#8230; Theo t\u00f4i c\u1ea7n t\u0103ng m\u1ee9c n\u00e0y l\u00ean v\u00e0i l\u1ea7n, hay \u00edt nh\u1ea5t th\u00ec c\u0169ng c\u1ea7n n\u00e2ng l\u00ean g\u1ea5p \u0111\u00f4i, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi m\u1ee9c ph\u1ea3i thanh to\u00e1n qua ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng hi\u1ec7n hi\u1ec7n h\u00e0nh.<\/em><\/p>\n<p><strong>Thanh B\u00ecnh, N\u1eef &#8211; 30 tu\u1ed5i<\/strong><\/p>\n<p><em>D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 m\u1edbi c\u00f3 \u00edch l\u1ee3i nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng?<\/em><em>\u00a0<\/em><\/p>\n<p><strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u00e2ng cao ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, m\u00e0 c\u00e1c CTTC c\u0169ng ph\u1ea3i tr\u1edf n\u00ean minh b\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m. D\u1ef1 th\u1ea3o c\u1ee7a NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 ngh\u0129a v\u1ee5 minh b\u1ea1ch c\u1ee7a CTTC v\u00e0 nh\u1eefng th\u00f4ng tin m\u00e0 CTTC c\u1ea7n cung c\u1ea5p cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi c\u1ea5p kho\u1ea3n vay\/k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t \u0111\u1ed5i m\u1edbi quan tr\u1ecdng nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau l\u00e0 l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. C\u00f4ng ty Home Credit ch\u00fang t\u00f4i r\u1ea5t hoan ngh\u00eanh quy \u0111\u1ecbnh m\u1edbi n\u00e0y. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u00fang t\u00f4i \u0111\u1eb7t ra v\u00e0 th\u1ef1c hi\u1ec7n t\u1eeb nhi\u1ec1u n\u0103m nay v\u00e0 \u0111ang ng\u00e0y c\u00e0ng ho\u00e0n thi\u1ec7n.<\/p>\n<p><strong>V\u0169 Y\u1ebfn, N\u1eef &#8211; 19 tu\u1ed5i<\/strong><\/p>\n<p><em>Sinh vi\u00ean ch\u00fang em l\u00e0m g\u00ec c\u00f3 g\u00ec \u0111\u1ec3 ch\u1ee9ng minh thu nh\u1eadp trong khi vay mua m\u00e1y t\u00ednh ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i l\u00e0 nh\u1eefng kho\u1ea3n vay nh\u1ecf, b\u00e2y gi\u1edd th\u1ea5y c\u00f3 quy \u0111\u1ecbnh ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n th\u00ec qu\u00e1 kh\u00f3?<\/em><em>\u00a0<\/em><em><br \/>\n<\/em><br \/>\n<strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>\u0110i\u1ec1u ki\u1ec7n n\u00e0y kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf. Tuy nhi\u00ean, NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p cho d\u1ef1 th\u1ea3o cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC, ch\u00fang t\u00f4i \u0111\u00e3 g\u00f3p \u00fd v\u1ec1 \u0111i\u1ec1u kho\u1ea3n n\u00e0y.<\/p>\n<p><strong>Huy Tr\u1ea7n, Nam &#8211; 36 tu\u1ed5i<\/strong><\/p>\n<p><em>Nh\u1eefng th\u00e1ch th\u1ee9c v\u00e0 c\u1ea3 nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh trong t\u00ecnh h\u00ecnh hi\u1ec7n nay, th\u01b0a B\u00e0?<\/em><\/p>\n<p><strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Th\u00e1ch th\u1ee9c v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh: Ch\u00fang t\u00f4i g\u1eb7p kh\u00f3 kh\u0103n t\u1eeb quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u00e1 nh\u00e2n, \u0111\u1ed3ng th\u1eddi do vi\u1ec7c h\u1ea1n ch\u1ebf vi\u1ec7c vay v\u1ed1n trung, d\u00e0i h\u1ea1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Ngo\u00e0i ra, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh t\u1ea1i D\u1ef1 th\u1ea3o l\u1ea7n 2 Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) c\u00f2n m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u01b0a ph\u00f9 h\u1ee3p, ch\u01b0a g\u1eafn li\u1ec1n v\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh v\u00e0 t\u00ecnh h\u00ecnh th\u1ef1c ti\u1ec5n c\u1ee7a \u0111\u1eddi s\u1ed1ng kinh t\u1ebf x\u00e3 h\u1ed9i.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t, c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh v\u00e0 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 ch\u01b0a th\u1ec3 hi\u1ec7n r\u00f5 ch\u1ee7 tr\u01b0\u01a1ng \u1ee7ng h\u1ed9 vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 (FinTech) v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c CTTC, v\u1edbi \u0111\u1eb7c th\u00f9 kho\u1ea3n vay nh\u1ecf l\u1ebb, s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng l\u1edbn, qua \u0111\u00f3 nh\u1eb1m h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y c\u00f3 th\u1ec3 gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, d\u1eabn \u0111\u1ebfn gi\u1ea3m gi\u00e1 th\u00e0nh cho vay. V\u00ed d\u1ee5, c\u00e1c y\u00eau c\u1ea7u v\u1ec1 l\u01b0u tr\u1eef h\u1ed3 s\u01a1 vay b\u1eb1ng gi\u1ea5y, quy\u1ebft \u0111\u1ecbnh cho vay ph\u1ea3i c\u00f3 ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a C\u00f4ng ty, ho\u1eb7c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 m\u1ee9c ph\u1ea1t ch\u1eadm thanh to\u00e1n&#8230; C\u00e1c quy \u0111\u1ecbnh c\u00f2n mang t\u00ednh h\u00e0nh ch\u00ednh v\u00e0 ph\u1ea7n n\u00e0o h\u1ea1n ch\u1ebf quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p trong ho\u1ea1t \u0111\u1ed9ng cho vay. \u0110\u1eb7c th\u00f9 c\u1ee7a CTTC v\u1edbi s\u1ed1 l\u01b0\u1ee3ng l\u1edbn KH, c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng \u0111\u1ec3 h\u1ed7 tr\u1ee3, do v\u1eady vi\u1ec7c \u00e1p d\u1ee5ng t\u01b0 duy qu\u1ea3n l\u00fd kho\u1ea3n vay t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t kho\u1ea3n vay l\u1edbn t\u1ea1i NH s\u1ebd g\u00e2y kh\u00f3 kh\u0103n r\u1ea5t nhi\u1ec1u \u0111\u1ed1i v\u1edbi c\u00e1c CTTC.<\/p>\n<p>C\u01a1 h\u1ed9i:<\/p>\n<p>Theo nghi\u00ean c\u1ee9u c\u1ee7a NHNN, t\u1ef7 l\u1ec7 cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam m\u1edbi chi\u1ebfm kho\u1ea3ng 12% tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3, trong khi c\u00e1c qu\u1ed1c gia kh\u00e1c chi\u1ebfm kho\u1ea3ng g\u1ea7n 30%. Nh\u01b0 v\u1eady, d\u01b0 \u0111\u1ecba cho l\u0129nh v\u1ef1c n\u00e0y c\u00f2n r\u1ea5t nhi\u1ec1u khi Vi\u1ec7t Nam c\u00f3 t\u1edbi h\u01a1n 93 tri\u1ec7u d\u00e2n, th\u00e0nh ph\u1ea7n tr\u1ebb, m\u1ee9c s\u1ed1ng ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c n\u00e2ng cao.<\/p>\n<p><strong>Minh H\u1eb1ng, N\u1eef &#8211; 28 tu\u1ed5i<\/strong><\/p>\n<p><em>Theo d\u1ef1 th\u1ea3o l\u1ea7n 2 c\u1ee7a NHNN c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh d\u00e0nh cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0: y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n, h\u1ea1n m\u1ee9c cho vay 10 tri\u1ec7u \u0111\u1ed3ng, c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 nh\u1eefng kho\u1ea3n vay t\u1ea1i ch\u00ednh c\u00f4ng ty t\u00e0i ch\u00ednh cho vay&#8230;\u00dd ki\u1ebfn c\u1ee7a B\u00e0 th\u1ebf n\u00e0o v\u1ec1 nh\u1eefng quy \u0111\u1ecbnh n\u00e0y c\u1ee7a NHNN?<\/em><em>\u00a0<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c cho vay ti\u00eau d\u00f9ng t\u1ed1i \u0111a ch\u1ec9 10 tri\u1ec7u \u0111\u1ed3ng nh\u01b0 t\u1ea1i D\u1ef1 th\u1ea3o hi\u1ec7n nay l\u00e0 ch\u01b0a ph\u00f9 h\u1ee3p. S\u1ed1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n m\u1eb7t t\u1eeb 10-30 tri\u1ec7u \u0111\u1ed3ng c\u1ee7a Home Credit chi\u1ebfm 71% t\u1ed5ng s\u1ed1 h\u1ee3p \u0111\u1ed3ng \u0111ang c\u00f3 hi\u1ec7u l\u1ef1c trong 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2016. S\u1ed1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n m\u1eb7t d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng ch\u1ec9 chi\u1ebfm 10% t\u1ed5ng s\u1ed1 h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y nhu c\u1ea7u vay ti\u1ec1n m\u1eb7t v\u1edbi s\u1ed1 ti\u1ec1n tr\u00ean 10 tri\u1ec7u \u0111\u1ed3ng l\u00e0 r\u1ea5t cao. \u0110\u01b0a ra s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ph\u00e9p cho vay t\u1ed1i \u0111a nh\u01b0 v\u1eady l\u00e0 h\u1ea1n ch\u1ebf kh\u00e1ch h\u00e0ng mua nh\u1eefng s\u1ea3n ph\u1ea9m c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng cao \u0111\u1ec3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng v\u00e0 c\u0169ng g\u00e2y kh\u00f3 cho kh\u00e1ch h\u00e0ng trong vi\u1ec7c ti\u1ebfp c\u1eadn ngu\u1ed3n s\u1ed1 v\u1ed1n ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf c\u1ee7a m\u00ecnh.<\/p>\n<p><strong>Minh Ng\u1ecdc , N\u1eef &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u00e0o ch\u1ecb Th\u1ee7y Ti\u00ean, Xin ch\u1ecb cho bi\u1ebft Th\u00f4ng t\u01b0 s\u1eafp ban h\u00e0nh s\u1ebd c\u00f3 l\u1ee3i cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh hay nh\u1eb1m b\u1ea3o v\u1ec7 c\u00e1c t\u1ed5 ch\u1ee9c c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u vay ti\u00eau d\u00f9ng?Li\u1ec7u sau khi th\u00f4ng t\u01b0 ra \u0111\u1eddi, c\u00e1c c\u00e1 nh\u00e2n c\u1ea7n vay ti\u00eau d\u00f9ng nh\u01b0 t\u00f4i c\u00f3 d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn ngu\u1ed3n vay h\u01a1n kh\u00f4ng? Th\u1ee7 t\u1ee5c c\u00f3 \u0111\u01a1n gi\u1ea3n h\u01a1n kh\u00f4ng? Xin c\u1ea3m \u01a1n ch\u1ecb<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Th\u00f4ng t\u01b0 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c CTTC s\u1eafp ban h\u00e0nh s\u1ebd t\u1ea1o ra khung ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c CTTC, \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i NTD. V\u00ec v\u1eady, th\u00f4ng t\u01b0 c\u00f3 l\u1ee3i cho c\u1ea3 NTD l\u1eabn c\u00e1c CTTC. C\u00e1c CTTC s\u1eafp gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng ho\u1eb7c chu\u1ea9n b\u1ecb th\u00e0nh l\u1eadp s\u1ebd c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd r\u00f5 r\u00e0ng h\u01a1n cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh, v\u00e0 vi\u1ec7c c\u00f3 nhi\u1ec1u CTTC tr\u00ean th\u1ecb tr\u01b0\u1eddng s\u1ebd t\u1ea1o th\u00eam nhi\u1ec1u c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c ngu\u1ed3n vay m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng v\u00e0 thu\u1eadn l\u1ee3i h\u01a1n.<\/p>\n<p><strong>Huy\u1ec1n My , N\u1eef &#8211; 32\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Th\u1ee7y Ti\u00ean, T\u00f4i nghi\u00ean c\u1ee9u vi\u1ec7c vay t\u00edn ch\u1ea5p t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1 l\u00e2u nh\u01b0ng v\u1eabn e d\u00e8 v\u00ec m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao so v\u1edbi ng\u00e2n h\u00e0ng? B\u00e0 c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch t\u1ea1i sao c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u1ea1i cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n? V\u00e0 c\u00f3 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o cho vay v\u1edbi l\u00e3i su\u1ea5t \u201cm\u1ec1m\u201d h\u01a1n kh\u00f4ng? C\u1ea3m \u01a1n b\u00e0<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>C\u00e1c kho\u1ea3n vay c\u1ee7a c\u00e1c CTTC th\u01b0\u1eddng l\u00e0 c\u00e1c kho\u1ea3n vay c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf (d\u01b0\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng) v\u00e0 c\u00f3 k\u1ef3 h\u1ea1n vay ng\u1eafn (t\u1eeb 06 \u0111\u1ebfn 12 th\u00e1ng), nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a CTTC hi\u1ec7n di\u1ec7n tr\u1ef1c ti\u1ebfp t\u1ea1i c\u00e1c \u0111i\u1ec3m b\u00e1n (v\u00ed d\u1ee5: c\u1eeda h\u00e0ng xe m\u00e1y, \u0111i\u1ec7n m\u00e1y\u2026) k\u1ec3 c\u1ea3 ngo\u00e0i gi\u1edd h\u00e0nh ch\u00ednh, do v\u1eady c\u00e1c chi ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay c\u00f2n cao. Ngo\u00e0i ra c\u00e1c CTTC kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi t\u1eeb c\u00e1 nh\u00e2n do v\u1eady chi ph\u00ed \u0111\u1ea7u v\u00e0o kh\u00e1c so v\u1edbi ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, hi\u1ec7n nay r\u1ea5t nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t, nh\u00e0 b\u00e1n l\u1ebb \u0111\u1ec3 tri\u1ec3n khai c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t r\u1ea5t \u01b0u \u0111\u00e3i th\u1eadm ch\u00ed l\u00e0 0%. B\u1ea1n c\u00f3 th\u1ec3 t\u1edbi b\u1ea5t k\u1ef3 c\u1eeda h\u00e0ng \u0111i\u1ec7n m\u00e1y, \u0111i\u1ec7n t\u1eed ho\u1eb7c xe m\u00e1y c\u00f3 h\u1ee3p t\u00e1c v\u1edbi Home Credit \u0111\u1ec3 t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m \u01b0u \u0111\u00e3i n\u00e0y.<\/p>\n<p><strong>Mai H\u1ea1nh, N\u1eef &#8211; 22 tu\u1ed5i<\/strong><\/p>\n<p><em>L\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng v\u1eabn \u0111\u01b0\u1ee3c cho l\u00e0 cao, \u00f4ng c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch r\u00f5 h\u01a1n l\u00e0 v\u00ec sao l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng l\u1ea1i cao v\u00e0 cao h\u01a1n c\u00e1i g\u00ec?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>L\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng cao l\u00e0 do \u00edt nh\u1ea5t l\u00e0 m\u1ea5y \u0111i\u1ec3m sau kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng: Th\u1ee9 nh\u1ea5t, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng \u0111\u1ea7u v\u00e0o c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 h\u01a1n v\u00e0 cao h\u01a1n ng\u00e2n h\u00e0ng, v\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi c\u1ee7a c\u00f4ng ch\u00fang. Th\u1ee9 hai, c\u00f4ng ty t\u00e0i ch\u00ednh ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng t\u1ef7 l\u1ec7 v\u1ed1n tr\u00ean v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u1ea5p h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean chi ph\u00ed v\u1ed1n cao h\u01a1n. Th\u1ee9 ba, c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh r\u1ea5t nh\u1ecf l\u1ebb, n\u00ean chi ph\u00ed t\u00e1c nghi\u1ec7p v\u00e0 qu\u1ea3n l\u00fd cao. Th\u1ee9 t\u01b0, \u0111i\u1ec1u ki\u1ec7n cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh th\u1ea5p h\u01a1n, d\u1ec5 d\u00e0ng h\u01a1n \u0111i\u1ec1u ki\u1ec7n cho vay s\u1ea3n xu\u1ea5t, kinh doanh v\u00e0 cho vay c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0 th\u01b0\u1eddng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, n\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n.<\/em><\/p>\n<p><em>Do \u0111\u00f3 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh lu\u00f4n cao h\u01a1n h\u1eb3n l\u00e3i su\u1ea5t cho vay c\u1ee7a ng\u00e2n h\u00e0ng, nh\u1ea5t l\u00e0 cho vay s\u1ea3n xu\u1ea5t, kinh doanh.<\/em><\/p>\n<p><strong>Th\u00fay Nga, N\u1eef &#8211; 27 tu\u1ed5i<\/strong><\/p>\n<p><em>\u0110\u1ec3 t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c m\u1ee9c thu nh\u1eadp c\u1ee7a m\u00ecnh c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 theo \u00f4ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n ph\u1ea3i l\u00e0m g\u00ec?<\/em><em>\u00a0<\/em><\/p>\n<p><em><br \/>\n<\/em><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n c\u00f3 c\u00e1c gi\u1ea5y t\u1edd, c\u0103n c\u1ee9 ph\u00e1p l\u00fd \u0111\u1ec3 ch\u1ee9ng minh v\u1ec1 m\u1ee9c thu nh\u1eadp h\u1ee3p ph\u00e1p v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay c\u1ee7a b\u1ea3n th\u00e2n c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh. C\u0103n c\u1ee9 tr\u1ef1c ti\u1ebfp c\u00f3 th\u1ec3 l\u00e0 th\u00f4ng tin t\u00e0i kho\u1ea3n hay h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb nh\u1eadn ti\u1ec1n l\u01b0\u01a1ng, th\u01b0\u1edfng, thu nh\u1eadp kh\u00e1c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, h\u1ee3p \u0111\u1ed3ng cho thu\u00ea t\u00e0i s\u1ea3n v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c c\u00f3 thu nh\u1eadp. C\u0103n c\u1ee9 gi\u00e1n ti\u1ebfp c\u00f3 th\u1ec3 l\u00e0 ch\u1ee9ng t\u1eeb, h\u00f3a \u0111\u01a1n n\u1ed9p thu\u1ebf thu nh\u1eadp, c\u01b0\u1edbc ph\u00ed \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, c\u1ed1 \u0111\u1ecbnh, ti\u1ec1n \u0111i\u1ec7n, n\u01b0\u1edbc, chi ti\u00eau sinh ho\u1ea1t c\u1ee7a gia \u0111\u00ecnh.<\/em><\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c \u0111ang t\u01b0 v\u1ea5n cho b\u1ea1n \u0111\u1ecdc VietNamNet. \u1ea2nh: L\u00ea Anh D\u0169ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Tr\u1ea7n B\u00ecnh, Nam &#8211; 30 tu\u1ed5i<\/strong><\/p>\n<p><strong><br \/>\n<\/strong><em>\u0110\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i vay ti\u00eau d\u00f9ng th\u1ea5p, ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u ki\u1ec7n c\u0103n b\u1ea3n n\u00e0o, th\u01b0a \u00f4ng?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>L\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 c\u1ee7a kho\u1ea3n vay, ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ea5y y\u1ebfu t\u1ed1 ch\u00ednh l\u00e0 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, chi ph\u00ed li\u00ean quan v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kho\u1ea3n vay. Hai y\u1ebfu t\u1ed1 \u0111\u1ea7u, c\u01a1 b\u1ea3n y\u1ebfu t\u1ed1 chung c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ngo\u00e0i kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t cao hay th\u1ea5p \u0111\u1ed1i v\u1edbi t\u1eebng kho\u1ea3n vay c\u1ee5 th\u1ec3 ch\u1ec9 c\u00f2n ph\u1ee5 thu\u1ed9c ch\u1ee7 y\u1ec1u v\u00e0o y\u1ebfu t\u1ed1 th\u1ee9 3.\u00a0<\/em><\/p>\n<p><em>Do v\u1eady, n\u1ebfu thu nh\u1eadp c\u1ee7a kh\u00e1ch h\u00e0ng ch\u1eafc ch\u1eafn; c\u00f4ng vi\u1ec7c, ngh\u1ec1 nghi\u1ec7p \u1ed5n \u0111\u1ecbnh; t\u01b0 c\u00e1ch \u0111\u1ea1o \u0111\u1ee9c t\u1ed1t; l\u1ecbch s\u1eed vay v\u1ed1n, tr\u1ea3 n\u1ee3 kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 t\u1ed1t, th\u00ec s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t.<\/em><\/p>\n<p><strong>Thanh B\u00ecnh, N\u1eef &#8211; 30 tu\u1ed5i<\/strong><\/p>\n<p><em>D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 m\u1edbi c\u00f3 \u00edch l\u1ee3i nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng?<\/em><em>\u00a0<\/em><\/p>\n<p><em>\u00a0<\/em><br \/>\n<strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u00e2ng cao ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, m\u00e0 c\u00e1c CTTC c\u0169ng ph\u1ea3i tr\u1edf n\u00ean minh b\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m. D\u1ef1 th\u1ea3o c\u1ee7a NHNN v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 ngh\u0129a v\u1ee5 minh b\u1ea1ch c\u1ee7a CTTC v\u00e0 nh\u1eefng th\u00f4ng tin m\u00e0 CTTC c\u1ea7n cung c\u1ea5p cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi c\u1ea5p kho\u1ea3n vay\/k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t \u0111\u1ed5i m\u1edbi quan tr\u1ecdng nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau l\u00e0 l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. C\u00f4ng ty Home Credit ch\u00fang t\u00f4i r\u1ea5t hoan ngh\u00eanh quy \u0111\u1ecbnh m\u1edbi n\u00e0y. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u00fang t\u00f4i \u0111\u1eb7t ra v\u00e0 th\u1ef1c hi\u1ec7n t\u1eeb nhi\u1ec1u n\u0103m nay v\u00e0 \u0111ang ng\u00e0y c\u00e0ng ho\u00e0n thi\u1ec7n.<\/p>\n<p><strong>V\u0169 Y\u1ebfn, N\u1eef &#8211; 19 tu\u1ed5i<\/strong><\/p>\n<p><em>Sinh vi\u00ean ch\u00fang em l\u00e0m g\u00ec c\u00f3 g\u00ec \u0111\u1ec3 ch\u1ee9ng minh thu nh\u1eadp trong khi vay mua m\u00e1y t\u00ednh ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i l\u00e0 nh\u1eefng kho\u1ea3n vay nh\u1ecf, b\u00e2y gi\u1edd th\u1ea5y c\u00f3 quy \u0111\u1ecbnh ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n th\u00ec qu\u00e1 kh\u00f3?<\/em><em>\u00a0<\/em><em><br \/>\n<\/em><br \/>\n<strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>\u0110i\u1ec1u ki\u1ec7n n\u00e0y kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf. Tuy nhi\u00ean, NHNN \u0111ang l\u1ea5y \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p cho d\u1ef1 th\u1ea3o cho vay ti\u00eau d\u00f9ng c\u1ee7a CTTC, ch\u00fang t\u00f4i \u0111\u00e3 g\u00f3p \u00fd v\u1ec1 \u0111i\u1ec1u kho\u1ea3n n\u00e0y.<\/p>\n<p><strong>Qu\u1ef3nh Oanh , N\u1eef &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh y\u00eau c\u1ea7u ph\u1ea3i mua b\u1ea3o hi\u1ec3m cho m\u00f3n vay, t\u00f4i kh\u00f4ng hi\u1ec3u v\u1ec1 y\u00eau c\u1ea7u n\u00e0y, \u00f4ng c\u00f3 c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch th\u00eam?<\/em><\/p>\n<p><strong><em>Lu\u1eadt S\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>Cho vay ti\u00eau d\u00f9ng l\u00e0 lo\u00e0i h\u00ecnh r\u1ee7i ro t\u01b0\u01a1ng \u0111\u1ed1i cao, c\u00f3 th\u1ec3 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c g\u1ed1c v\u00e0 l\u00e3i. V\u00ec v\u1eady m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh s\u1eed d\u1ee5ng nghi\u1ec7p v\u1ee5 b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng \u0111\u1ec3 ph\u00f2ng ng\u1eeba r\u1ee7i ro v\u00e0 b\u1ea3o \u0111\u1ea3m vi\u1ec7c thu h\u1ed3i v\u1ed1n. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i chi th\u00eam m\u1ed9t kho\u1ea3n ph\u00ed \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m, khi kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd tr\u1ea3 thay. \u0110\u00f3 c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng l\u00ed do khi\u1ebfn l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng cao.<\/em><\/p>\n<p><strong>Duy\u00ean Ph\u1ea1m , Nam &#8211; 34\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Th\u1ee7y Ti\u00ean, t\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft, c\u00f4ng ty Home Credit t\u1eebng c\u00f3 nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0%. T\u00f4i ch\u01b0a l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a c\u00f4ng ty nh\u01b0ng c\u00f3 th\u1eafc m\u1eafc v\u1edbi 0% l\u00e3i su\u1ea5t nh\u01b0 v\u1eady, c\u00f4ng ty ch\u1ecbu l\u1ed7 hay sao? Mong b\u00e0 gi\u1ea3i \u0111\u00e1p<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Vi\u1ec7c \u0111\u01b0a ra th\u1ecb tr\u01b0\u1eddng c\u00e1c s\u1ea3n ph\u1ea9m v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t l\u00e0 0% l\u00e0 do h\u1ee3p t\u00e1c gi\u1eefa Home Credit v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u1ec3 chia s\u1ebb chi ph\u00ed c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m v\u1edbi m\u1ee9c gi\u00e1 h\u1ee3p l\u00fd. Ch\u00fang t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u01b0\u1ee3c s\u1ef1 chia s\u1ebb v\u1ec1 ph\u00ed t\u1eeb c\u00e1c \u0111\u1ed1i t\u00e1c do v\u1eady m\u1edbi c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p v\u1edbi m\u1ee9c gi\u00e1 \u01b0u \u0111\u00e3i nh\u01b0 v\u1eady. \u0110\u00e2y l\u00e0 m\u1ed9t n\u1ed7 l\u1ef1c r\u1ea5t l\u1edbn t\u1eeb ph\u00eda c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 c\u00e1c \u0111\u1ed1i t\u00e1c b\u00e1n l\u1ebb \u0111\u1ec3 cung c\u1ea5p nhi\u1ec1u s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh phong ph\u00fa v\u00e0 \u01b0u \u0111\u00e3 h\u01a1n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p><strong>V\u0169 Ho\u00e0ng Hoa , N\u1eef &#8211; 27\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>\u0110\u1ec3 l\u00e0m \u0111\u1eb9p l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh, theo b\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i l\u00e0m g\u00ec v\u00e0 l\u00e0m sao \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c l\u1ecbch s\u1eed \u0111\u00f3<\/em>?<\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0L\u1ecbch s\u1eed t\u00edn d\u1ee5ng \u0111\u1eb9p l\u00e0 do t\u1ef1 m\u00ecnh l\u00e0m ra t\u1eeb \u0111\u1ea7u ngay \u0111\u1ea7u ti\u00ean, t\u1eeb kho\u1ea3n vay \u0111\u1ea7u ti\u00ean \u0111\u1ebfn nh\u1eefng kho\u1ea3n vay ti\u1ebfp theo \u0111\u1ec1u \u0111\u01b0\u1ee3c tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u00fang h\u1ea1n \u0111\u01b0\u1ee3c \u00e0 s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch ban \u0111\u1ea7u. L\u1ecbch s\u1eed t\u00edn d\u1ee5ng \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng v\u00e0 CIC theo d\u00f5i. Ch\u00ednh v\u00ec v\u1eady b\u1ea1n c\u00f3 th\u1ec3 h\u1ecfi CIC \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c l\u1ecbch s\u1eed t\u00edn d\u1ee5ng.<\/p>\n<table width=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<\/tr>\n<tr>\n<td><em>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh \u0111ang tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a b\u1ea1n \u0111\u1ecdc. \u1ea2nh:L\u00ea Anh D\u0169ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>H\u1ed3ng Khanh, N\u1eef &#8211; 24 tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u1eddi gian g\u1ea7n \u0111\u00e2y c\u00f3 m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng th\u1eafc m\u1eafc v\u1ec1 l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, \u00fd ki\u1ebfn c\u1ee7a b\u00e0 v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?<\/em><em>\u00a0<\/em><\/p>\n<p><em>\u00a0<\/em><br \/>\n<strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>N\u0103m 2016 l\u00e0 n\u0103m ch\u00fang t\u00f4i \u0111\u1ea9y m\u1ea1nh c\u00e1c s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0% \u1edf Vi\u1ec7t Nam v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y \u0111\u00e3 r\u1ea5t th\u00e0nh c\u00f4ng v\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 \u1ea5n t\u01b0\u1ee3ng. Home Credit l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea7u ti\u00ean tri\u1ec3n khai c\u00e1c s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0% t\u1eeb th\u00e1ng 4\/2015. Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y th\u1ef1c s\u1ef1 r\u1ea5t th\u00e0nh c\u00f4ng trong m\u1ea3ng h\u00e0ng \u0111i\u1ec7n m\u00e1y gia d\u1ee5ng, \u0111i\u1ec7n t\u1eed (g\u1ecdi t\u1eaft l\u00e0 CD). Trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2016, c\u00f3 \u0111\u1ebfn 65% kh\u00e1ch h\u00e0ng m\u1ea3ng CD c\u1ee7a Home Credit vay tr\u1ea3 g\u00f3p v\u1edbi l\u00e3i su\u1ea5t 0%, \u0111\u1ea9y doanh s\u1ed1 cho vay mua c\u00e1c m\u1eb7t h\u00e0ng n\u00e0y c\u1ee7a Home Credit t\u0103ng g\u1ea5p \u0111\u00f4i so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n<p>Ti\u1ebfp n\u1ed1i th\u00e0nh c\u00f4ng n\u00e0y, m\u1edbi \u0111\u00e2y nh\u1ea5t, th\u00e1ng 9\/2016 ch\u00fang t\u00f4i \u0111\u00e3 tung ra g\u00f3i s\u1ea3n ph\u1ea9m l\u00e3i su\u00e2t 0% d\u00e0nh cho kh\u00e1ch h\u00e0ng mua tr\u1ea3 g\u00f3p xe m\u00e1y, \u00e1p d\u1ee5ng v\u1edbi c\u00e1c th\u01b0\u01a1ng hi\u1ec7u l\u1edbn nh\u01b0 Honda, Yamaha, Piaggio\u2026 K\u1ec3 t\u1eeb nay, m\u1ecdi ng\u01b0\u1eddi s\u1ebd c\u00f3 c\u01a1 h\u1ed9i mua xe, \u0111\u1ed5i xe b\u1eb1ng h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 m\u1ed9t \u0111\u1ed3ng l\u00e3i su\u1ea5t n\u00e0o.<\/p>\n<p>. Ngo\u00e0i ra, n\u1ebfu c\u1ee9 gi\u1eef quan \u0111i\u1ec3m so s\u00e1nh l\u00e3i su\u1ea5t c\u1ee7a c\u00f4ng ty ti\u00eau d\u00f9ng v\u1ed1n c\u00f3 nh\u1eefng \u01b0u \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, t\u00f4i cho l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p. \u0110\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n vay nh\u1ecf, \u0111i\u1ec1u c\u1ea7n quan t\u00e2m l\u00e0 kho\u1ea3n tr\u1ea3 h\u00e0ng th\u00e1ng c\u00f3 h\u1ee3p l\u00fd v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng kh\u00f4ng, th\u1eddi gian tr\u1ea3 trong bao l\u00e2u, c\u00f3 c\u00e2n \u0111\u1ed1i \u0111\u01b0\u1ee3c hay kh\u00f4ng.<\/p>\n<p><strong>M\u1ea1nh Tr\u01b0\u1eddng, Nam &#8211; 23 tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0, Th\u1eddi gian t\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd c\u00f3 nh\u1eefng s\u1ea3n ph\u1ea9m ho\u1eb7c h\u01b0\u1edbng \u0111i m\u1edbi \u0111em l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch cho th\u1ecb tr\u01b0\u1eddng c\u0169ng nh\u01b0 c\u01a1 h\u1ed9i cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng?<\/em><\/p>\n<p><em>\u00a0<\/em><br \/>\n<strong>B\u00e0 V\u01b0\u01a1ng Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>N\u0103m 2017, Home Credit d\u1ef1 \u0111\u1ecbnh s\u1ebd tung ra s\u1ea3n ph\u1ea9m th\u1ebb t\u00edn d\u1ee5ng nh\u1eb1m \u0111a d\u1ea1ng h\u01a1n c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng. Th\u00eam v\u00e0o \u0111\u00f3, \u0111\u1ec3 t\u1ea1o th\u00eam s\u1ef1 thu\u1eadn ti\u1ec7n cho kh\u00e1ch h\u00e0ng, ch\u00fang t\u00f4i \u0111ang th\u1eed nghi\u1ec7m tri\u1ec3n khai ti\u1ec7n \u00edch cho ph\u00e9p kh\u00e1ch h\u00e0ng l\u00e0m th\u1ee7 t\u1ee5c vay ti\u1ec1n m\u1eb7t v\u00e0 nh\u1eadn ti\u1ec1n tr\u1ef1c tuy\u1ebfn, kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn \u0111i\u1ec3m giao d\u1ecbch \u0111\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng m\u00e0 m\u1ecdi quy tr\u00ecnh \u0111\u1ec1u th\u1ef1c hi\u1ec7n qua Internet, t\u1eeb kh\u00e2u \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n cho \u0111\u1ebfn kh\u00e2u nh\u1eadn ti\u1ec1n m\u1eb7t.<\/p>\n<p>T\u1ea5t c\u1ea3 s\u1ea3n ph\u1ea9m v\u00e0 ti\u1ec7n \u00edch ch\u00fang t\u00f4i th\u1ef1c hi\u1ec7n \u0111\u1ec1u nh\u1eb1m m\u1ee5c ti\u00eau \u0111em \u0111\u1ebfn s\u1ef1 thu\u1eadn ti\u1ec7n v\u00e0 khi\u1ebfn kh\u00e1ch h\u00e0ng h\u00e0i l\u00f2ng nh\u1ea5t.<\/p>\n<p><strong>H\u1ed3ng Qu\u1ebf, N\u1eef &#8211; 32 tu\u1ed5i<\/strong><\/p>\n<p><em>Theo \u00f4ng, khi tham gia k\u00fd k\u1ebft vay v\u1ed1n ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng ph\u1ea3i l\u00e0m sao \u0111\u1ec3 c\u00f3 th\u1ec3 th\u00f4ng t\u1ecf v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c cho vay \u0111\u1eb7t ra?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>Kh\u00e1ch h\u00e0ng c\u1ea7n tham v\u1ea5n ng\u01b0\u1eddi hi\u1ec3u bi\u1ebft v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y v\u00e0 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 m\u1ee9c l\u00e3i su\u1ea5t v\u00e0 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i ph\u1ea3i tr\u1ea3 khi \u0111\u1ebfn h\u1ea1n cu\u1ed1i c\u00f9ng v\u00e0 khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n; \u0111\u1ed3ng th\u1eddi so s\u00e1nh v\u1edbi c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t cho vay s\u1ea3n xu\u1ea5t, kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p>Tuy nhi\u00ean, n\u1ebfu nh\u01b0 th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t trong D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 hi\u1ec7n nay, th\u00ec kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng c\u00f2n ph\u1ea3i lo l\u1eafng nhi\u1ec1u, v\u00ec l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch r\u1ea5t r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3, ch\u00ednh x\u00e1c.\u00a0<\/em><\/p>\n<p><strong>V\u0169 Ng\u1ecdc Chi\u00ean, Nam &#8211; 27 tu\u1ed5i<\/strong><\/p>\n<p><em>Theo t\u00ednh to\u00e1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c cho vay, chi ph\u00ed cho m\u1ed9t \u0111\u01a1n v\u1ecb d\u01b0 n\u1ee3 vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 cao h\u01a1n 2-5 l\u1ea7n chi ph\u00ed cho m\u1ed9t \u0111\u01a1n v\u1ecb v\u1ed1n cho vay th\u01b0\u01a1ng m\u1ea1i, v\u00ec sao l\u1ea1i nh\u01b0 v\u1eady th\u01b0a \u00f4ng?<\/em><em>\u00a0<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>C\u00f3 th\u1ec3 h\u00ecnh dung \u0111\u01a1n gi\u1ea3n th\u1ebf n\u00e0y, b\u00ecnh qu\u00e2n m\u1ed7i kho\u1ea3n vay th\u01b0\u01a1ng m\u1ea1i l\u00e0 1 t\u1ef7 \u0111\u1ed3ng, th\u00ec b\u00ecnh qu\u00e2n m\u1ed7i kho\u1ea3n vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng, g\u1ea5p nhau 100 l\u1ea7n. V\u1eady \u0111\u1ec3 c\u00f9ng cho vay \u0111\u01b0\u1ee3c 1 t\u1ef7 \u0111\u1ed3ng, th\u00ec chi ph\u00ed cho vay ti\u00eau d\u00f9ng ph\u1ea3i nhi\u1ec1u h\u01a1n h\u1eb3n cho vay th\u01b0\u01a1ng m\u1ea1i do ph\u1ea3i s\u1eed d\u1ee5ng g\u1ea5p nhi\u1ec1u l\u1ea7n s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n s\u1ef1, gi\u1ea5y t\u1edd, m\u00e1y m\u00f3c, th\u1eddi gian,\u2026 Ch\u01b0a k\u1ec3 chi ph\u00ed v\u1ed1n c\u0169ng cao h\u01a1n.<\/em><\/p>\n<p><strong>Thanh H\u1ea3i, Nam &#8211; 36 tu\u1ed5i<\/strong><\/p>\n<p><em>Kh\u1ea3o s\u00e1t t\u1ea1i m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0 \u1edf ch\u00e2u \u00c2u, M\u1ef9, hay \u1ea4n \u0110\u1ed9, Trung Qu\u1ed1c\u2026 l\u00e3i vay ti\u00eau d\u00f9ng m\u1eb7c d\u00f9 c\u0169ng r\u1ea5t cao, th\u1eadm ch\u00ed g\u1ea5p10 l\u1ea7n so v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng, tuy nhi\u00ean, c\u00e1c th\u1ecb tr\u01b0\u1eddng n\u00e0y v\u1eabn ph\u00e1t tri\u1ec3n v\u00e0 kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n ch\u1ea5p nh\u1eadn thu\u1eadn m\u1ee9c l\u00e3i tr\u00ean. So s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t v\u1edbi c\u00e1c n\u01b0\u1edbc, theo \u00f4ng m\u1ee9c l\u00e3i vay ti\u00eau d\u00f9ng m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c cho vay \u00e1p d\u1ee5ng li\u1ec7u \u0111\u00e3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n n\u01b0\u1edbc ta?<\/em><em>\u00a0<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>\u0110\u00f3 ch\u00ednh l\u00e0 \u0111i\u1ec3n h\u00ecnh c\u1ee7a quy lu\u1eadt, l\u00e0 s\u1ef1 h\u1ee3p l\u00fd c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng c\u00f3 s\u1ef1 c\u1ea1nh tranh s\u00f2ng ph\u1eb3ng v\u00e0 minh b\u1ea1ch. L\u00e3i su\u1ea5t cho vay tuy cao, nh\u01b0ng kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n ch\u1ea5p nh\u1eadn. Tuy l\u00e3i su\u1ea5t c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay cao nh\u01b0 v\u1eady, nh\u01b0ng v\u1eabn c\u00f2n ph\u1ed5 bi\u1ebfn t\u00ecnh tr\u1ea1ng cho vay t\u00edn d\u1ee5ng \u0111en v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, ch\u1ee9ng t\u1ecf c\u00f2n ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u th\u01b0\u1eddng xuy\u00ean kh\u00e1 l\u1edbn.<\/em><\/p>\n<p><strong>Tran Manh , Nam &#8211; 32\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>G\u1eedi TS. Kim Thanh: C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng vi\u1ec7c th\u00f4ng b\u00e1o \u0111\u1ebfn kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n (th\u1eddi \u0111i\u1ec3m, l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng v\u1edbi d\u01b0 n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n)&#8230;tuy nhi\u00ean vi\u1ec7c \u0111\u00f3 s\u1ebd khi\u1ebfn chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh t\u0103ng cao, b\u00e0 c\u00f3 \u00fd ki\u1ebfn th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong><strong>\u00a0<\/strong>Theo t\u00f4i t\u0103ng chi ph\u00ed c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft v\u1eeba gi\u00fap kh\u00e1ch h\u00e0ng tr\u00e1nh tr\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n do qu\u00ean. Vi\u1ec7c nh\u1eafc n\u1ee3 s\u1ebd gi\u00fap h\u1ecd thu x\u1ebfp ti\u1ec1n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n \u0111i\u1ec1u \u0111\u00f3 l\u00e0 t\u1ed1t cho c\u1ea3 hai ph\u00eda.<\/p>\n<p><strong>Thu Hi\u1ec1n , N\u1eef &#8211; 42\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Hi\u1ec7n t\u00f4i \u0111ang vay mua tr\u1ea3 g\u00f3p xe m\u00e1y t\u1ea1i m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh, t\u00f4i mu\u1ed1n t\u1ea5t to\u00e1n kho\u1ea3n vay li\u1ec7u c\u00f3 b\u1ecb ph\u1ea1t kh\u00f4ng? Ph\u00ed ph\u1ea1t t\u00ednh nh\u01b0 th\u1ebf n\u00e0o? T\u1ea1i sao vi\u1ec7c t\u00f4i tr\u1ea3 h\u1ebft ti\u1ec1n tr\u01b0\u1edbc th\u1eddi h\u1ea1n c\u0169ng b\u1ecb ph\u1ea1t?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>Vi\u1ec7c ph\u1ea1t l\u00e3i su\u1ea5t l\u00e0 theo th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean cho vay v\u00e0 b\u00ean vay theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005, n\u1ebfu kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn th\u00ec ng\u01b0\u1eddi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t theo k\u00ec h\u1ea1n \u0111\u00e3 th\u1ecfa thu\u1eadn ban \u0111\u1ea7u. Tr\u00ean th\u1ef1c t\u1ebf c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng thu m\u1ed9t ph\u1ea7n th\u01b0\u1eddng g\u1ecdi l\u00e0 ph\u00ed ph\u1ea1t tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n.<\/em><\/p>\n<p><em>N\u1ebfu b\u1ea1n c\u1ea7n bi\u1ebft th\u00eam th\u00f4ng tin h\u00e3y \u0111\u1ebfn c\u00e1c CTTC \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 h\u01a1n.<\/em><\/p>\n<p><strong>\u0110inh V\u0103n To\u00e0n , Nam &#8211; 29\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>C\u0169ng trong d\u1ef1 th\u1ea3o n\u00e0y NHNN c\u00f3 qui \u0111\u1ecbnh v\u1ec1 nhu c\u1ea7u v\u1ed1n kh\u00f4ng \u0111\u01b0\u1ee3c cho vay \u0111\u00f3 l\u00e0 c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c cho kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u00e1c kho\u1ea3n vay t\u1ea1i ch\u00ednh Cty t\u00e0i ch\u00ednh cho vay ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i kh\u00e1c? Th\u01b0a B\u00e0 Kim Thanh, theo B\u00e0 th\u00ec quy \u0111\u1ecbnh n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong><strong>\u00a0<\/strong>Theo t\u00f4i quy \u0111\u1ecbnh n\u00e0y l\u00e0 ph\u00f9 h\u1ee3p v\u00ec c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng ch\u1ec9 ph\u1ee5c v\u1ee5 cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng.<\/p>\n<p><strong>Hoa , N\u1eef &#8211; 38\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Xin h\u1ecfi TS. Kim Thanh: N\u1ebfu Th\u1ecb tr\u01b0\u1eddng n\u00e0y ph\u00e1t tri\u1ec3n mang l\u1ea1i nh\u1eefng gi\u00e1 tr\u1ecb l\u1ee3i \u00edch g\u00ec d\u00e0nh cho ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Nh\u1eefng ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p tr\u01b0\u1edbc khi vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ea3i x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 trong t\u01b0\u01a1ng lai th\u00ec s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd th\u1ecfa m\u00e3n \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u00e1 nh\u00e2n hi\u1ec7n t\u1ea1i, trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n nh\u1eefng nhu c\u1ea7u thi\u1ebft y\u1ebfu nh\u01b0 ch\u1eefa b\u1ec7nh th\u00ec s\u1ebd g\u00fap cho ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p kh\u00f4ng ph\u1ea3i ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng \u0111en v\u00e0 nh\u01b0 v\u1eady s\u1ebd gi\u1ea3m \u0111\u01b0\u1ee3c nh\u1eefng g\u00e1nh n\u1eb7ng n\u1ee3 n\u1ea7n.<\/p>\n<p><strong>Minh Anh , N\u1eef &#8211; 20\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u1ecb Thu\u1ef7 Ti\u00ean \u01a1i, Em l\u00e0 sinh vi\u00ean mu\u1ed1n mua m\u00e1y t\u00ednh tr\u1ea3 g\u00f3p \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho vi\u1ec7c h\u1ecdc, v\u1eady em c\u1ea7n nh\u1eefng \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c g\u00ec?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>B\u1ea1n ch\u1ec9 c\u1ea7n \u0111\u1ebfn c\u00e1c \u0111i\u1ec3m b\u00e1n l\u1ebb c\u00f3 h\u1ee3p t\u00e1c v\u1edbi C\u00f4ng ty ch\u00fang t\u00f4i, mang theo CMND v\u00e0 b\u1eb1ng l\u00e1i xe (ho\u1eb7c h\u1ed9 kh\u1ea9u), nh\u00e2n vi\u00ean ch\u00fang t\u00f4i s\u1ebd t\u01b0 v\u1ea5n m\u1ed9t kho\u1ea3n vay ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi b\u1ea1n.<\/p>\n<p><strong>Nguyen Van Huyen , Nam &#8211; 34\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Xin h\u1ecfi B\u00e0 Thanh: Theo d\u1ef1 th\u1ea3o l\u1ea7n 02 v\u1eeba \u0111\u01b0\u1ee3c NHNN ban h\u00e0nh l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 th\u00f4ng t\u01b0 cho vay ti\u00eau d\u00f9ng c\u00f3 n\u00eau ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n, t\u1ee9c l\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u00e0 th\u1eddi gian vay v\u1ed1n. V\u1eady theo b\u00e0 quy \u0111\u1ecbnh n\u00e0y c\u00f3 kh\u1ea3 thi kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Theo t\u00f4i \u0111\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thu h\u1ed3i v\u1ed1n, tuy nhi\u00ean v\u1edbi cho vay ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng t\u1eeb ph\u01b0\u01a1ng \u00e1n th\u00ec ch\u01b0a ph\u00f9 h\u1ee3p m\u00e0 ch\u1ec9 c\u1ea7n n\u00f3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay, th\u1ef1c s\u1ef1 l\u00e0 vay cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng ch\u1ee9 kh\u00f4ng ph\u1ea3i cho m\u1ee5c \u0111\u00edch kh\u00e1c nh\u1ea5t l\u00e0 nh\u1eefng kho\u1ea3n vay ti\u1ec1n m\u1eb7t.<\/p>\n<p><strong>T\u00f4 V\u0103n Chuy\u00ean , Nam &#8211; 40\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u1eddi gian qua \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc ta \u0111\u00e3 v\u00e0 \u0111ang \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng ti\u1ebfn theo ch\u1ee7 tr\u01b0\u01a1ng t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t, v\u1eady t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t theo \u00f4ng \u0111\u01b0\u1ee3c hi\u1ec3u nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>T\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t, quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1c b\u00ean \u0111\u01b0\u1ee3c t\u1ef1 do th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n b\u1eb1ng ph\u00e1p lu\u1eadt. N\u1ebfu th\u1ef1c s\u1ef1 t\u1ef1 do l\u00e3i su\u1ea5t, v\u1edbi m\u00f4i tr\u01b0\u1eddng ng\u00e2n h\u00e0ng c\u1ea1nh tranh nh\u01b0 hi\u1ec7n nay, th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng th\u1ec3 t\u00f9y ti\u1ec7n n\u00e2ng l\u00e3i su\u1ea5t.<\/em><\/p>\n<p><strong>Thanh Hang , N\u1eef &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Thanh, \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ef1c s\u1ef1 tin t\u01b0\u1edfng v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y c\u1ea7n \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi d\u1ecbch v\u1ee5 vay ti\u00eau d\u00f9ng, vay tr\u1ea3 g\u00f3p?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0theo t\u00f4i c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00f3 ph\u1ea3i cung c\u1ea5p th\u00f4ng tin m\u1ed9t c\u00e1ch minh b\u1ea1ch\u00a0 v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh, ph\u1ea3i tuy\u00ean truy\u1ec1n, qu\u1ea3ng b\u00e1 t\u1ea1o d\u1ef1ng th\u01b0\u01a1ng hi\u1ec7u v\u00e0 h\u00ecnh \u1ea3nh c\u1ee7a m\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng, th\u00f4ng qua truy\u1ec1n th\u00f4ng gi\u00fap cho ng\u01b0\u1eddi d\u00e2n hi\u1ec3u \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ti\u00eau d\u00f9ng, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n d\u1ec5 hi\u1ec3u h\u01b0\u1edbng d\u1eabn c\u1eb7n k\u1ebd cho kh\u00e1ch h\u00e0ng vay v\u1ed1n khi ti\u1ebfp c\u1eadn v\u1ed1n vay.<\/p>\n<p><strong>Ng\u00f4 Ng\u1ecdc Anh , N\u1eef &#8211; 34\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a \u00f4ng \u0110\u1ee9c, vay t\u1ea1i CTTC l\u00e0 vay t\u00edn ch\u1ea5p, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, chuy\u1ec7n g\u00ec s\u1ebd x\u1ea3y ra v\u1edbi t\u00f4i n\u1ebfu t\u00f4i kh\u00f4ng tr\u1ea3 n\u1ee3? C\u00e1c CTTC c\u00f3 th\u1ec3 \u0111\u01b0a t\u00f4i ra t\u00f2a kh\u00f4ng, v\u00ec theo t\u00f4i bi\u1ebft l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c CTTC cao h\u01a1n quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1, v\u1eady t\u00f2a s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 x\u1eed t\u00f4i.<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>V\u00ec vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00ean l\u00e3i su\u1ea5t cho vay s\u1ebd cao h\u01a1n tr\u01b0\u01a1ng h\u1ee3p vay c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. C\u00e1c CTTC v\u1eabn c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n kh\u00e1ch h\u00e0ng ra t\u00f2a \u0111\u1ec3 \u0111\u00f2i n\u1ee3. Tuy nhi\u00ean, kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 th\u01b0\u1eddng r\u1ea5t kh\u00f3 v\u00ec kh\u00f4ng d\u1ef1a \u0111\u01b0\u1ee3c v\u00e0o vi\u1ec7c ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n. Tr\u00ean th\u1ef1c t\u1ebf t\u00f2a \u00e1n v\u1eabn ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t c\u1ee7a CTTC cao h\u01a1n m\u1ee9c tr\u1ea7n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/em><\/p>\n<p><strong>Nguyen Thi Hoa , N\u1eef &#8211; 30\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u1ecb Ti\u00ean c\u00f3 th\u1ec3 cho em bi\u1ebft: G\u00f3i vay c\u00f3 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e2u nh\u1ea5t l\u00e0 bao nhi\u00eau l\u00e2u kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0T\u00f9y theo s\u1ea3n ph\u1ea9m, th\u1eddi h\u1ea1n t\u1ed1i \u0111a cho c\u00e1c kho\u1ea3n vay c\u1ee7a Home Credit c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 36 th\u00e1ng.<\/p>\n<p><strong>Ho\u00e0ng Mai , N\u1eef &#8211; 26\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Xin h\u1ecfi B\u00e0 Thu\u1ef7 Ti\u00ean: L\u00e0 m\u1ed9t ng\u01b0\u1eddi thu nh\u1eadp h\u00e0ng th\u00e1ng kh\u00f4ng cao n\u00ean t\u00f4i mu\u1ed1n h\u1ecfi v\u1ec1 l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng hi\u1ec7n nay. Khi vay mua ti\u00eau d\u00f9ng t\u00f4i ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc t\u1ed1i thi\u1ec3u bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>N\u1ebfu b\u1ea1n c\u00f3 thu nh\u1eadp kh\u00f4ng cao, t\u00f4i khuy\u00ean b\u1ea1n n\u00ean t\u1eadn d\u1ee5ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i c\u1ee7a c\u00e1c CTTC, c\u1ee5 th\u1ec3 l\u00e0 c\u00e1c g\u00f3i vay mua h\u00e0ng tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0%. Hi\u1ec7n nay 65% s\u1ea3n ph\u1ea9m vay c\u1ee7a Home Credit c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t 0%, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ebfn b\u1ea5t k\u1ef3 m\u1ed9t \u0111i\u1ec3m b\u00e1n l\u1ebb c\u00f3 h\u1ee3p t\u00e1c v\u1edbi Home Credit \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n. M\u1ee9c tr\u1ea3 tr\u01b0\u1edbc v\u1edbi c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m cho vay c\u1ee7a Home Credit s\u1ebd t\u1eeb 10% tr\u1edf l\u00ean t\u00f9y theo nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p><strong>Minh Tu , Nam &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a TS. Kim Thanh, b\u00e0 c\u00f3 th\u1ec3 cho bi\u1ebft: \u0110\u1ec3 n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c c\u01a1 h\u1ed9i m\u1edbi c\u1ee7a th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng mang l\u1ea1i, b\u1ea3n th\u00e2n ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n trang b\u1ecb cho m\u00ecnh nh\u1eefng ki\u1ebfn th\u1ee9c, k\u1ef9 n\u0103ng g\u00ec v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0b\u1ea3n th\u00e2n c\u1ea7n t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c nh\u1eefng thu nh\u1eadp c\u1ee7a m\u00ecnh trong t\u01b0\u01a1ng lai, x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nhu c\u1ea7u chi ti\u00eau c\u00e1 nh\u00e2n h\u1ee3p l\u00fd n\u1ebfu b\u1ea1n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady b\u1ea1n s\u1ebd n\u0103m b\u1eaft \u0111\u01b0\u1ee3c c\u01a1 h\u1ed9i c\u1ee7a th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 th\u1ecfa m\u00e3n nhu c\u1ea7u hi\u1ec7n t\u1ea1i m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1edd \u0111\u1ee3i th\u1ecfa m\u00e3n nhu c\u1ea7u \u0111\u00f3 trong t\u01b0\u01a1ng lai.<\/p>\n<p><strong>Ho\u00e0ng ng\u1ecdc s\u01a1n , Nam &#8211; 25\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>T\u00f4i c\u00f3 1 h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00f4ng ty Home Credit . V\u00e0 \u0111\u1ebfn h\u00f4m nay thanh to\u00e1n k\u1ef3 cu\u1ed1i. Nh\u01b0ng khi ki\u1ec3m tra t\u00f4i b\u1ecb n\u1ee3 c\u1ea7n ch\u00fa \u00fd v\u00ec hay \u0111\u00f3ng tr\u1ec5 h\u1eb9n. V\u1eady khi thanh to\u00e1n xong h\u1ee3p \u0111\u1ed3ng n\u00e0y, ph\u00eda c\u00f4ng ty Home Credit c\u00f3 th\u1ec3 x\u00f3a gi\u00fap n\u1ee3 ch\u00fa \u00fd n\u00e0y gi\u00f9m t\u00f4i \u0111\u01b0\u1ee3c kh\u00f4ng . \u0110\u1ec3 tr\u00e1nh \u1ea3nh h\u01b0\u1edfng sau n\u00e0y khi t\u00f4i mu\u1ed1n mua g\u00f3p hay vay ti\u1ec1n m\u1eb7t c\u1ee7a m\u1ed9t c\u00f4ng ty n\u00e0o kh\u00e1c<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Sau khi b\u1ea1n t\u1ea5t to\u00e1n kho\u1ea3n vay n\u00e0y h\u00e3y l\u01b0u \u00fd \u0111\u00f3ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c kho\u1ea3n g\u1ed1c l\u00e3i v\u00e0 ph\u00ed ph\u1ea1t (n\u1ebfu c\u00f3). B\u1ea1n v\u1eabn c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c vay kho\u1ea3n m\u1edbi tuy nhi\u00ean vi\u1ec7c ghi nh\u1eadn n\u1ee3 c\u1ea7n ch\u00fa \u00fd c\u00f3 th\u1ec3 \u0111\u00e3 b\u1ecb Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng (CIC) ghi nh\u1eadn v\u00e0 ch\u1ec9 \u0111\u01b0\u1ee3c x\u00f3a sau 5 n\u0103m. C\u00e1c CTTC kh\u00f4ng th\u1ec3 can thi\u1ec7p v\u00e0o vi\u1ec7c n\u00e0y. Vi\u1ec7c \u0111\u00e3 ho\u00e0n th\u00e0nh kho\u1ea3n vay s\u1ebd gi\u00fap b\u1ea1n vay m\u00f3n m\u1edbi thu\u1eadn l\u1ee3i h\u01a1n.<\/p>\n<p><strong>Ho\u00e0ng Lan , Nam &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Khi t\u00f4i vay tr\u1ea3 g\u00f3p mua xe m\u00e1y trong 10 th\u00e1ng, tuy nhi\u00ean \u0111\u1ebfn th\u00e1ng th\u1ee9 7 t\u00f4i c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 t\u1ea5t to\u00e1n h\u1ee3p \u0111\u1ed3ng r\u1ed3i, nh\u01b0 hi\u1ec7n nay th\u00ec t\u00f4i s\u1ebd ph\u1ea3i tr\u1ea3 ph\u00ed ph\u1ea1t cao. Li\u1ec7u th\u1eddi gian t\u1edbi lu\u1eadt c\u00f3 thay \u0111\u1ed5i th\u00ec tr\u01b0\u1eddng h\u1ee3p nh\u01b0 c\u1ee7a t\u00f4i c\u00f3 b\u1ecb ph\u1ea1t ph\u00ed cao nh\u01b0 b\u00e2y gi\u1edd kh\u00f4ng? c\u00e1 nh\u00e2n t\u00f4i th\u00edch d\u1ecbch v\u1ee5 tr\u1ea3 g\u00f3p n\u00e0y.<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>Vi\u1ec7c n\u00e0y kh\u00f4ng c\u00f3 thay \u0111\u1ed5i theo quy \u0111\u1ecbnh m\u1edbi. C\u1ee5 th\u1ec3 Kho\u1ea3n 2, \u0111i\u1ec1u 470 v\u1ec1 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u00ec h\u1ea1n c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh &#8221; \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u00ec h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u00ec h\u1ea1n, nh\u01b0ng ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i theo k\u00ec h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.&#8221; Nh\u01b0 v\u1eady m\u1ee9c ph\u00ed ph\u1ea1t cao hay th\u1ea5p l\u00e0 do th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/em><\/p>\n<p><strong>Trinh Hoang Xuan , Nam &#8211; 29\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u1ecb Thu\u1ef7 Ti\u00ean \u01a1i, ch\u1ecb c\u00f3 th\u1ec3 cho bi\u1ebft: M\u1ee9c ti\u1ec1n t\u1ed1i \u0111a t\u00f4i \u0111\u01b0\u1ee3c vay l\u00e0 bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>M\u1ee9c vay t\u1ed1i \u0111a t\u00f9y t\u1eebng CTTC quy \u0111\u1ecbnh, t\u1ea1i Home Credit Vi\u1ec7t Nam m\u1ee9c vay t\u1ed1i \u0111a l\u00e0 80 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p><strong>Nguy\u1ec5n Xu\u00e2n Th\u1ea1ch , Nam &#8211; 28\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Kh\u00f4ng l\u00e2u n\u1eefa tr\u1ea7n l\u00e3i su\u1ea5t cho vay s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c, theo \u00f4ng vi\u1ec7c \u0111\u1eb7t ra tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 \u0111i ng\u01b0\u1ee3c v\u1edbi ch\u1ee7 tr\u01b0\u01a1ng t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><strong><em>\u00a0<\/em><\/strong><em>Tr\u1ea7n l\u00e3i su\u1ea5t cho vay l\u00e0 m\u1ed9t s\u1ef1 b\u1ea5t c\u1eadp su\u1ed1t 30 n\u0103m qua, k\u1ec3 t\u1eeb khi chuy\u1ec3n \u0111\u1ed5i sang n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 \u0111\u00e1ng ti\u1ebfc l\u00e0 v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft d\u1ee9t \u0111i\u1ec3m trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01-01-2017.<\/em><\/p>\n<p><em>N\u1ebfu theo \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 468 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d c\u1ee7a B\u1ed9 lu\u1eadt n\u00f3i tr\u00ean, th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn v\u00e8 l\u00e3i su\u1ea5t cho vay, nh\u01b0ng \u201ckh\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.\u201d<\/em><\/p>\n<p><em>N\u1ebfu \u00e1p d\u1ee5ng v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vi m\u00f4 v\u00e0 cho vay ti\u00eau d\u00f9ng, th\u00ec s\u1ebd v\u00f4 c\u00f9ng b\u1ea5t h\u1ee3p l\u00fd, tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n, t\u1ed1i thi\u1ebfu c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng v\u00e0 c\u01a1 ch\u1ebf t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng trong su\u1ed1t nhi\u1ec1u n\u0103m qua.<\/em><\/p>\n<p><em>V\u00ec v\u1eady, ho\u1eb7c ph\u1ea3i s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh tr\u00ean, ho\u1eb7c tr\u01b0\u1edbc m\u1eaft c\u1ea7n ph\u1ea3i gi\u1ea3i th\u00edch v\u00e0 t\u1ea1m th\u1eddi v\u1eadn d\u1ee5ng quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0110i\u1ec1u 91 v\u1ec1 \u201cL\u00e3i su\u1ea5t, ph\u00ed trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010. Theo \u0111\u00f3 \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.\u201d<\/em><\/p>\n<p><strong>Ha Minh Thao , N\u1eef &#8211; 30\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Thanh, trong d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 v\u1ec1 cho vay ti\u00eau d\u00f9ng m\u00e0 NHNN \u0111ang t\u1eadp trung l\u1ea5y \u00fd ki\u1ebfn th\u00ec vi\u1ec7c gi\u1ea3i ng\u00e2n kho\u1ea3n vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 10 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0 v\u1eady c\u00f3 m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00f3 t\u1ea1i th\u00f4ng t\u01b0 s\u1ed1 09\/2012\/TT-NHNN v\u1ec1 h\u1ea1n m\u1ee9c gi\u1ea3i ng\u00e2n 100 tri\u1ec7u \u0111\u1ed3ng?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong><strong>\u00a0<\/strong>Theo t\u00f4i m\u1ed9t khi d\u1ef1 th\u1ea3o \u0111\u01b0\u1ee3c ban h\u00e0nh th\u00ec s\u1ebd thay th\u1ebf nh\u1eefng quy \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00f3 n\u00ean s\u1ebd kh\u00f4ng c\u00f3 m\u00e2u thu\u1eabn.<\/p>\n<p><strong>Loan Tr\u1ea7n , N\u1eef &#8211; 25\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>K\u00ednh ch\u00e0o b\u00e0 Ti\u00ean. T\u00f4i nghe n\u00f3i n\u1ebfu khi vay t\u00edn ch\u1ea5p, mu\u1ed9n th\u1eddi h\u1ea1n s\u1ebd b\u1ecb ph\u1ea1t r\u1ea5t kh\u1ee7ng khi\u1ebfp. N\u1ebfu t\u00f4i vay kho\u1ea3ng 20 tri\u1ec7u v\u00e0 n\u1ed9p ti\u1ec1n h\u00e0ng th\u00e1ng mu\u1ed9n 5 ng\u00e0y so v\u1edbi ng\u00e0y quy \u0111\u1ecbnh t\u00f4i s\u1ebd b\u1ecb ph\u1ea1t bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0M\u1ee9c ph\u1ea1t do ch\u1eadm thanh to\u00e1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng v\u00e0 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc, c\u00f3 th\u1ec3 l\u00e0 150% l\u00e3i su\u1ea5t cho vay trong h\u1ea1n. \u0110\u1ed1i v\u1edbi c\u00f4ng ty ch\u00fang t\u00f4i, m\u1ee9c ph\u1ea1t n\u00e0y ch\u1ec9 c\u1ed1 \u0111\u1ecbnh \u1edf m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3, dao \u0111\u1ed9ng t\u1eeb 150.000\u0111 \u0111\u1ebfn 450.000\u0111 t\u00f9y th\u1eddi gian ch\u1eadm thanh to\u00e1n. Ch\u00fang t\u00f4i c\u00f2n quy \u0111\u1ecbnh vi\u1ec7c ph\u1ea1t ch\u1eadm thanh to\u00e1n ch\u1ec9 \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y th\u1ee9 4 sau ng\u00e0y \u0111\u1ebfn h\u1ea1n.<\/p>\n<p><strong>Ng\u1ecdc , N\u1eef &#8211; 36\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a TS. Nguy\u1ec5n Th\u1ecb Kim Thanh, t\u00f4i mu\u1ed1n h\u1ecfi: Th\u1ecb tr\u01b0\u1eddng vay ti\u00eau d\u00f9ng VN \u0111ang ph\u00e1t tri\u1ec3n r\u1ea5t m\u1ea1nh m\u1ebd nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nh\u1eadn x\u00e9t c\u1ee7a b\u00e0 v\u1ec1 th\u1ecb tr\u01b0\u1eddng n\u00e0y?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Theo t\u00f4i th\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng ti\u1ec1m n\u0103ng, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u00e0y l\u00e0 m\u1ed9t xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng \u0111\u00f2i h\u1ecfi v\u1ec1 nhu c\u1ea7u ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng cao c\u1ee7a x\u00e3 h\u1ed9i. Nh\u00ecn chung th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n \u0111\u00fang h\u01b0\u1edbng, nh\u1eefng v\u01b0\u1edbng m\u1eafc trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd k\u1ecbp th\u1eddi th\u00e1o g\u1ee1.<\/p>\n<p><strong>Xu\u00e2n Qu\u00fd , Nam &#8211; 31\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Th\u1ee7y Ti\u00ean, T\u00f4i mu\u1ed1n h\u1ecfi l\u00e0 khi t\u00f4i \u0111ang trong th\u1eddi gian vay mua m\u1ed9t s\u1ea3n ph\u1ea9m tr\u1ea3 g\u00f3p, n\u1ebfu c\u00f3 nhu c\u1ea7u vay th\u00eam 1 s\u1ea3n ph\u1ea9m kh\u00e1c li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng? \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay nh\u01b0 th\u1ebf n\u00e0o? C\u1ea3m \u01a1n b\u00e0<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0B\u1ea1n v\u1eabn c\u00f3 th\u1ec3 vay tr\u1ea3 g\u00f3p \u0111\u1ec3 mua m\u1ed9t s\u1ea3n ph\u1ea9m n\u1eefa n\u1ebfu b\u1ea1n c\u00e2n \u0111\u1ed1i \u0111\u01b0\u1ee3c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh, \u0111\u1ed3ng th\u1eddi l\u1ecbch s\u1eed thanh to\u00e1n kho\u1ea3n vay \u0111\u1ea7u ti\u00ean c\u1ee7a b\u1ea1n t\u1ed1t. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 vay tr\u1ea3 g\u00f3p s\u1ea3n ph\u1ea9m th\u1ee9 hai c\u0169ng s\u1ebd nh\u01b0 s\u1ea3n ph\u1ea9m \u0111\u1ea7u ti\u00ean, ngh\u0129a l\u00e0 ch\u1ec9 c\u1ea7n CMND v\u00e0 b\u1eb1ng l\u00e1i xe (ho\u1eb7c h\u1ed9 kh\u1ea9u).<\/p>\n<p><strong>H\u00f4ng H\u1ea1nh , N\u1eef &#8211; 28\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a b\u00e0 Th\u1ee7y Ti\u00ean, ch\u00f4ng t\u00f4i \u0111ang b\u1ecb n\u1ee3 x\u1ea5u b\u00ean ng\u00e2n h\u00e0ng. V\u1eady t\u00f4i c\u00f3 th\u1ec3 vay t\u00edn ch\u1ea5p \u1edf c\u00f4ng ty Home Credit \u0111\u01b0\u1ee3c kh\u00f4ng? V\u00e0 m\u1ee9c vay t\u1ed1i \u0111a kho\u1ea3ng bao nhi\u00eau? L\u01b0\u01a1ng t\u00f4i nh\u1eadn qua TK Vietcombank 6 tri\u1ec7u\/th\u00e1ng, thu nh\u1eadp ngo\u00e0i kho\u1ea3ng 2 tri\u1ec7u\/th\u00e1ng. C\u1ea3m \u01a1n b\u00e0<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0B\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 vay t\u00edn ch\u1ea5p ti\u1ec1n m\u1eb7t, ho\u1eb7c vay mua h\u00e0ng tr\u1ea3 g\u00f3p t\u1ea1i Home Credit Vi\u1ec7t Nam. B\u1ea1n ch\u1ec9 c\u1ea7n CMND v\u00e0 b\u1eb1ng l\u00e1i xe (ho\u1eb7c h\u1ed9 kh\u1ea9u) \u0111\u1ebfn c\u00e1c \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 nh\u00e2n vi\u00ean ch\u00fang t\u00f4i t\u01b0 v\u1ea5n t\u00ecm ra g\u00f3i vay ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi b\u1ea1n. M\u1ee9c vay t\u1ed1i \u0111a t\u1ea1i c\u00f4ng ty ch\u00fang t\u00f4i s\u1ebd kh\u00f4ng qu\u00e1 80 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p><strong>Minh An , Nam &#8211; 28\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>K\u00ednh g\u1eedi B\u00e0 Th\u1ee7y Ti\u00ean. Th\u1eddi gian t\u1edbi Home Credit c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0o \u0111\u1eb7c bi\u1ec7t d\u00e0nh cho c\u00e1n b\u1ed9 c\u00f4ng ch\u1ee9c nh\u00e0 n\u01b0\u1edbc thu nh\u1eadp th\u1ea5p \u0111\u01b0\u1ee3c vay v\u1edbi m\u1ee9c \u01b0u \u0111\u00e3i \u0111\u1eb7c bi\u1ec7t kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0C\u00f4ng ty ch\u00fang t\u00f4i c\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh cho vay tr\u1ea3 g\u00f3p \u01b0u \u0111\u00e3i \u0111\u1eb7c bi\u1ec7t l\u00e0 g\u00f3i s\u1ea3n ph\u1ea9m 0%, b\u1ea1n c\u00f3 th\u1ec3 t\u1edbi c\u00e1c c\u1eeda h\u00e0ng xe m\u00e1y ho\u1eb7c \u0111i\u1ec7n m\u00e1y c\u00f3 h\u1ee3p t\u00e1c v\u1edbi Home Credit ho\u1eb7c g\u1ecdi t\u1edbi Hotline\u00a0<strong>08 38 999 666<\/strong>\u00a0c\u1ee7a C\u00f4ng ty ch\u00fang t\u00f4i \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3.<\/p>\n<p><strong>Xu\u00e2n An , Nam &#8211; 40\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>G\u1eedi \u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: &#8220;r\u1ee7i ro cao th\u00ec l\u00e3i su\u1ea5t cao&#8221; lu\u00f4n l\u00e0 c\u00e2u c\u00e1c C\u00f4ng ty t\u00e0i ch\u00ednh bi\u1ec7n minh cho l\u00e3i cao. theo \u00f4ng c\u00f3 n\u00ean ki\u1ec3m so\u00e1t \u0111i\u1ec1u g\u1ecdi l\u00e0 r\u1ee7i ro cao \u0111\u1ec3 gi\u1ea3m \u0111\u01b0\u1ee3c l\u00e3i cho ng\u01b0\u1eddi d\u00e2n kh\u00f4ng? Lu\u1eadt \u0111ang \u0111\u1ee9ng v\u1ec1 ph\u00eda doanh nghi\u1ec7p nhi\u1ec1u h\u01a1n<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>\u0110\u00fang l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n nay kh\u00e1 cao. \u0110\u1eb7c bi\u1ec7t so s\u00e1nh gi\u1eefa tr\u1ea7n l\u00e3i su\u1ea5t cho vay b\u00ean ngo\u00e0i v\u00e0 cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u00ec v\u1eady, theo t\u00f4i c\u1ea7n c\u00f3 ch\u00ednh s\u00e1ch h\u1ee3p l\u00ed \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/em><\/p>\n<p><strong>Ng\u1ecdc Qu\u00e2n , Nam &#8211; 39\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u1ecb Th\u1ee7y Ti\u00ean \u01a1i, T\u00f4i c\u00f3 nhu c\u1ea7u vay \u0111\u1ec3 \u0111i du l\u1ecbch, nh\u01b0ng nghe n\u00f3i ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng g\u00ec g\u00ec \u0111\u00f3, v\u1eady v\u1edbi m\u1ee5c \u0111\u00edch du l\u1ecbch t\u00f4i c\u00f3 \u0111\u01b0\u1ee3c vay ti\u1ec1n t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Theo quy \u0111\u1ecbnh c\u1ee7a NHNN c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng ph\u1ea3i g\u1eafn v\u1edbi m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ee5 th\u1ec3. T\u00f9y t\u1eebng g\u00f3i s\u1ea3n ph\u1ea9m v\u00e0 quy \u0111\u1ecbnh ki\u1ec3m so\u00e1t kho\u1ea3n vay c\u00f3 th\u1ec3 b\u1ea1n ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch \u0111i vay c\u1ee7a m\u00ecnh. N\u1ebfu vi\u1ec7c \u0111i vay l\u00e0 ph\u1ee5c v\u1ee5 c\u00e1c nhu c\u1ea7u chi ti\u00eau h\u1ee3p ph\u00e1p, k\u1ec3 c\u1ea3 vi\u1ec7c \u0111i du l\u1ecbch, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 vay ti\u1ec1n cho c\u00e1c nhu c\u1ea7u n\u00e0y. Hi\u1ec7n nay, theo D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 cho vay ti\u00eau d\u00f9ng, vi\u1ec7c vay \u0111\u1ec3 mua t\u00e0u thuy\u1ec1n, v\u00e0ng ho\u1eb7c nh\u00e0 \u1edf l\u00e0 \u0111ang b\u1ecb h\u1ea1n ch\u1ebf.<\/p>\n<p><strong>\u0110\u1eb7ng Xu\u00e2n , N\u1eef &#8211; 38\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Xin h\u1ecfi b\u00e0 Th\u1ee7y Ti\u00ean, T\u00f4i mu\u1ed1n h\u1ecfi l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh cho nh\u1eefng kho\u1ea3n vay ti\u00eau d\u00f9ng v\u00e0 vay mua tr\u1ea3 g\u00f3p c\u00f3 kh\u00e1c nhau kh\u00f4ng? C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t nh\u01b0 th\u1ebf n\u00e0o th\u01b0a b\u00e0?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0C\u00e1c kho\u1ea3n vay d\u01b0\u1edbi h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p hay g\u1ecdi chung l\u00e0 cho vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 g\u00ec kh\u00e1c bi\u1ec7t. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u00e1c kho\u1ea3n vay do c\u00e1c CTTC \u0111\u1ec1u ph\u1ea3i tu\u00e2n theo quy \u0111\u1ecbnh c\u1ee7a NHNN, \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n.<\/p>\n<p><strong>Anh D\u0169ng , Nam &#8211; 26\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>N\u1ebfu n\u1ed9p ti\u1ec1n h\u00e0ng th\u00e1ng mu\u1ed9n so v\u1edbi ng\u00e0y quy \u0111\u1ecbnh t\u00f4i s\u1ebd b\u1ecb ph\u1ea1t bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0C\u00f4ng ty ch\u00fang t\u00f4i quy \u0111\u1ecbnh vi\u1ec7c ph\u1ea1t vi ph\u1ea1m do ch\u1eadm thanh to\u00e1n th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 150.000dd &#8211; 450.000\u0111 t\u1eeb ng\u00e0y th\u1ee9 4 sau ng\u00e0y \u0111\u1ebfn h\u1ea1n. C\u00e1c b\u1ea1n c\u1ed1 g\u1eafng l\u01b0u \u00fd thanh to\u00e1n kho\u1ea3n vay \u0111\u00fang h\u1ea1n \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh ph\u00ed ph\u1ea1t v\u00e0 c\u00f3 th\u1ec3 b\u1ecb ghi nh\u1eadn l\u00e0 nh\u00f3m n\u1ee3 c\u1ea7n ch\u00fa \u00fd t\u1ea1i CIC &#8211; Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng v\u00e0 \u1ea3nh h\u01b0\u1edfng t\u1edbi vi\u1ec7c \u0111i vay sau n\u00e0y t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c.<\/p>\n<p><strong>Anh Minh , Nam &#8211; 40\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>K\u00ednh g\u1eedi B\u00e0 Kim Thanh: Hi\u1ec7n t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ch\u01b0a nhi\u1ec1u, NHNN c\u00f3 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p tham gia nhi\u1ec1u h\u01a1n v\u00e0o t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng th\u01b0a b\u00e0? c\u00f3 nhi\u1ec1u c\u00f4ng ty th\u00ec c\u1ea1nh tranh m\u1ee9c l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m, ng\u01b0\u1eddi d\u00e2n h\u01b0\u1edfng l\u1ee3i h\u01a1n.<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Hi\u1ec7n nay \u0111\u1ec3 cho ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n th\u00ec NHNN \u0111ang t\u1eebng b\u01b0\u1edbc ho\u00e0n thi\u1ec7n m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y v\u1eeba \u0111\u00e1p \u01b0ng \u0111\u01b0\u1ee3c nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng v\u1ec1 ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1eeba \u0111\u1ea3m b\u1ea3o c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng an to\u00e0n hi\u1ec7u qu\u1ea3. M\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p s\u1ebd th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1ec1 c\u1ea3 quy m\u00f4 v\u00e0 s\u1ed1 l\u01b0\u1ee3ng.<\/p>\n<p><strong>Minh Phong , Nam &#8211; 25\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Em vay ti\u00eau d\u00f9ng c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0ng b\u1ecb n\u1ee3 qu\u00e1 h\u1ea1n m\u1ed9t th\u1eddi gian, b\u00e2y gi\u1edd \u0111\u00e3 th\u00e0nh n\u1ee3 x\u1ea5u, nh\u01b0ng em v\u1eabn cam k\u1ebft tr\u1ea3 n\u1ee3 nh\u01b0ng hi\u1ec7n nay c\u00f4ng ty t\u00e0i ch\u00ednh \u0111os mu\u1ed1n ki\u1ec7n em ra to\u00e0, v\u1eady vi\u1ec7c x\u1eed l\u00fd tranh ch\u1ea5p nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>Khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra n\u1ebfu c\u00e1c b\u00ean kh\u00f4ng t\u1ef1 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c th\u00ec m\u1ed9t ho\u1eb7c c\u00e1c b\u00ean c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n ra t\u00f2a. T\u00f2a \u00e1n s\u1ebd gi\u1ea3i quy\u1ebft v\u1ee5 tranh ch\u1ea5p theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt t\u1ed1 t\u1ee5ng D\u00e2n s\u1ef1 n\u0103m 2015. T\u00f2a \u00e1n s\u1ebd xem x\u00e9t c\u00f4ng nh\u1eadn s\u1ef1 th\u1ecfa thu\u1eadn ho\u1eb7c quy\u1ebft \u0111\u1ecbnh bu\u1ed9c b\u00ean vay c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i. N\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec s\u1ebd b\u1ecb c\u01a1 quan thi h\u00e0nh \u00e1n c\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh.<\/em><\/p>\n<p><strong>Ph\u1ea1m Hoa , N\u1eef &#8211; 30\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Khi v\u1eabn \u0111ang trong th\u1eddi gian vay mua m\u1ed9t s\u1ea3n ph\u1ea9m tr\u1ea3 g\u00f3p, n\u1ebfu c\u00f3 nhu c\u1ea7u vay th\u00eam 1 s\u1ea3n ph\u1ea9m kh\u00e1c li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0N\u1ebfu vi\u1ec7c thanh to\u00e1n kho\u1ea3n vay tr\u01b0\u1edbc \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang h\u1ea1n v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi thu nh\u1eadp c\u1ee7a b\u1ea1n, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 vay th\u00eam m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1c. Tuy nhi\u00ean h\u00e3y l\u01b0u \u00fd c\u00e2n \u0111\u1ed1i gi\u1eefa thu nh\u1eadp v\u00e0 c\u00e1c kho\u1ea3n vay c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u00e1nh vi\u1ec7c n\u1ee3 qu\u00e1 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a m\u00ecnh b\u1ea1n nh\u00e9.<\/p>\n<p><strong>Nguy\u1ec5n D\u0169ng , Nam &#8211; 25\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Gia \u0111\u00ecnh em mu\u1ed1n vay \u0111\u1ec3 mua s\u1eafm thi\u1ebft b\u1ecb \u0111\u1ed3 d\u00f9ng, anh ch\u1ecb cho em h\u1ecfi t\u00ednh l\u00e3i su\u1ea5t kh\u00e1c th\u1ebf n\u00e0o so v\u1edbi vay ti\u1ec1n m\u1eb7t, em c\u1ea3m \u01a1n<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Vi\u1ec7c t\u00ednh l\u00e3i su\u1ea5t v\u1ec1 nguy\u00ean t\u1eafc l\u00e0 nh\u01b0 nhau, tuy nhi\u00ean n\u1ebfu b\u1ea1n c\u00f3 m\u1ee5c \u0111\u00edch vay \u0111\u1ec3 thanh to\u00e1n cho 1 s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 v\u00e0 c\u00f3 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp th\u00ec s\u1ebd d\u1ec5 d\u00e0ng vay \u0111\u01b0\u1ee3c v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3 h\u01a1n.<\/p>\n<p><strong>H\u01b0\u01a1ng Lan , N\u1eef &#8211; 35\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>G\u1eedi B\u00e0 Kim Thanh: Nhi\u1ec1u n\u0103m l\u00e0m vi\u1ec7c t\u1ea1i Vi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, B\u00e0 th\u1ea5y t\u00e1c \u0111\u1ed9ng c\u1ee7a vay ti\u00eau d\u00f9ng c\u00f3 \u00fd ngh\u0129a th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Ch\u01b0a c\u00f3 m\u1ed9t nghi\u00ean c\u1ee9u \u0111\u00e1nh gi\u00e1 m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7 t\u00e1c \u0111\u1ed9ng c\u1ee7a cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi \u0111\u1eddi s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n trong th\u1eddi gian qua, tuy nhi\u00ean c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng d\u01b0 n\u1ee3 cho vay ti\u00eau d\u00f9ng t\u0103ng l\u00ean, \u0111i\u1ec1u \u0111\u00f3 cho th\u1ea5y nhu c\u1ea7u trong cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 ph\u1ea7n n\u00e0o \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng nh\u1edd ho\u1ea1t \u0111\u00f4ng cho vay ti\u00eau d\u00f9ng.<\/p>\n<p><strong>B\u1eafc Tr\u1ea7n , Nam &#8211; 26\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>L\u00e0 m\u1ed9t ng\u01b0\u1eddi thu nh\u1eadp h\u00e0ng th\u00e1ng kh\u00f4ng cao n\u00ean t\u00f4i mu\u1ed1n h\u1ecfi v\u1ec1 l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng hi\u1ec7n nay. Khi vay mua ti\u00eau d\u00f9ng t\u00f4i ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc t\u1ed1i thi\u1ec3u bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0Vi\u1ec7c c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc t\u1ea1o ra c\u01a1 ch\u1ebf r\u00f5 r\u00e0ng h\u01a1n \u0111\u1ec3 c\u00e1c CTTC ho\u1ea1t \u0111\u1ed9ng ch\u00ednh l\u00e0 nh\u1eb1m t\u1ea1o c\u01a1 h\u1ed9i cho nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c kho\u1ea3n vay ph\u1ee5c v\u1ee5 cho vi\u1ec7c n\u00e2ng cao \u0111\u1eddi s\u1ed1ng c\u1ee7a m\u00ecnh. L\u00e3i su\u1ea5t cho vay hi\u1ec7n nay, t\u00f9y t\u1eebng lo\u1ea1i s\u1ea3n ph\u1ea9m, t\u00f9y m\u1ee9c tr\u1ea3 tr\u01b0\u1edbc kh\u00e1 phong ph\u00fa, dao \u0111\u1ed9ng t\u1eeb 0% \u0111\u1ebfn 4-5%\/th\u00e1ng. T\u00f9y kho\u1ea3n vay, b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 t\u1ed1i thi\u1ec3u tr\u01b0\u1edbc 10% gi\u00e1 tr\u1ecb s\u1ea3n ph\u1ea9m. B\u1ea1n h\u00e3y li\u00ean h\u1ec7 v\u1edbi C\u00f4ng ty ch\u00fang t\u00f4i ho\u1eb7c t\u1edbi c\u00e1c c\u1eeda h\u00e0ng \u0111\u1ed1i t\u00e1c c\u1ee7a Home Credit \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 v\u00e0 t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 nh\u00e9. C\u1ea3m \u01a1n b\u1ea1n.<\/p>\n<p><strong>H\u01b0\u01a1ng Nguy\u1ec5n , N\u1eef &#8211; 30\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Ch\u1ecb Th\u1ee7y Ti\u00ean cho em h\u1ecfi, C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 n\u00ean r\u00fat ng\u1eafn h\u1ee3p \u0111\u1ed3ng hay l\u00e0m h\u1ee3p \u0111\u1ed3ng th\u1eadt r\u00f5 r\u00e0ng h\u01a1n \u0111\u1ec3 ti\u1ec7n cho kh\u00e1ch h\u00e0ng nghi\u00ean c\u1ee9u, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111i\u1ec1u kho\u1ea3n ph\u1ea1t, hi\u1ec7n nay h\u1ee3p \u0111\u1ed3ng d\u00e0i qu\u00e1. C\u1ea3m \u01a1n ch\u1ecb<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0C\u00f4ng ty ch\u00fang t\u00f4i \u0111\u00e3 c\u1ed1 g\u1eafng \u0111\u01a1n gi\u1ea3n h\u00f3a ng\u00f4n ng\u1eef trong h\u1ee3p \u0111\u1ed3ng vay sao cho d\u1ec5 hi\u1ec3u v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\u00a0 Ch\u00fang t\u00f4i s\u1ebd xem x\u00e9t v\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a h\u01a1n n\u1eefa c\u00e1c quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng vay v\u00e0 r\u00fat ng\u1eafn h\u1ee3p \u0111\u1ed3ng tuy nhi\u00ean v\u1eabn ph\u1ea3i \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, c\u00e1c ngh\u0129a v\u1ee5 ch\u00ednh m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n n\u1eafm \u0111\u01b0\u1ee3c. C\u1ea3m \u01a1n c\u00e1c \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p c\u1ee7a b\u1ea1n.<\/p>\n<p><strong>H\u00f2a L\u00ea , Nam &#8211; 45\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a B\u00e0 Thanh, Vay ti\u00eau d\u00f9ng t\u1eeb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ch\u00ednh th\u1ed1ng c\u00f3 cho vay mua nh\u00e0 \u1edf kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Theo d\u1ef1 th\u1ea3o v\u1ec1 th\u00f4ng t\u01b0 quy \u0111\u1ecbnh cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec kh\u00f4ng c\u00f3 cho vay mua nh\u00e0.<\/p>\n<p><strong>Thanh Th\u00fay , N\u1eef &#8211; 38\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>K\u00ednh g\u1eedi B\u00e0 Kim Thanh: Th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng hi\u1ec7n \u0111ang r\u1ea5t ph\u1ed5 bi\u1ebfn v\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh. Theo b\u00e0, nh\u00e0 n\u01b0\u1edbc c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng CVTD ph\u00e1t tri\u1ec3n c\u1ea1nh tranh m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh? mang l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng?<\/em><\/p>\n<p><strong>B\u00e0 Nguy\u1ec5n Th\u1ecb Kim Thanh:<\/strong>\u00a0Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i \u0111\u01b0a ra c\u00e1c quy \u0111\u1ecbnh cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch ph\u00f9 h\u1ee3p; t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i\u00a0 ch\u00ednh ti\u00eau d\u00f9ng, \u0111\u1ea3m b\u1ea3o c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN. Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 nh\u1eefng ho\u1ea1t \u0111\u1ed9ng tuy\u00ean truy\u1ec1n, giao d\u1ee5c v\u00e0 n\u00e2ng cao s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, khi ng\u01b0\u1eddi d\u00e2n hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh th\u00ec s\u1ebd quy\u1ebft \u0111\u1ecbnh c\u00e1c kho\u00e0n vay ti\u00eau d\u00f9ng h\u1ee3p l\u00ed tr\u00e1nh \u0111\u01b0a m\u00ecnh v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n.<\/p>\n<p><strong>Tr\u1ea7n Minh Hu\u1ec7 , N\u1eef &#8211; 29\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>T\u00f4i \u0111ang c\u00f3 nhu c\u1ea7u vay 60 tri\u1ec7u \u0111\u1ec3 mua xe m\u00e1y. V\u1eady xin h\u1ecfi th\u1ee7 t\u1ee5c v\u00e0 l\u00e3i su\u1ea5t th\u1ebf n\u00e0o?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>B\u1ea1n ch\u1ec9 c\u1ea7n mang CMND v\u00e0 h\u1ed9 kh\u1ea9u ra b\u1ea5t k\u1ef3 m\u1ed9t c\u1eeda h\u00e0ng b\u00e1n xe m\u00e1y n\u00e0o c\u00f3 h\u1ee3p t\u00e1c v\u1edbi Home Credit, ch\u1ecdn m\u1eabu xe b\u1ea1n y\u00eau th\u00edch, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a Home Credit t\u1ea1i c\u1eeda h\u00e0ng s\u1ebd t\u01b0 v\u1ea5n t\u00ecm ra g\u00f3i vay ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. Th\u00eam m\u1ed9t th\u00f4ng tin cho b\u1ea1n, hi\u1ec7n Home Credit \u0111\u00e3 tri\u1ec3n khai s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0% cho c\u00e1c d\u00f2ng xe m\u00e1y. B\u1ea1n c\u00f3 th\u1ec3 h\u1ecfi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a Home Credit t\u1ea1i c\u1eeda h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m n\u00e0y.<\/p>\n<p><strong>H\u1eb1ng Nguy\u1ec5n , N\u1eef &#8211; 22\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tin t\u01b0\u1edfng v\u00e0o vay ti\u00eau d\u00f9ng m\u00e0 kh\u00f4ng c\u1ea3m gi\u00e1c b\u1ecb l\u1eeba, th\u01b0a c\u00e1c anh ch\u1ecb?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Tr\u01b0\u1edbc khi \u0111i vay ho\u1eb7c k\u00fd h\u1ee3p \u0111\u1ed3ng vay, b\u1ea1n h\u00e3y t\u00ecm hi\u1ec3u v\u00e0 h\u1ecfi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3, \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng vay k\u1ef9 c\u00e0ng tr\u01b0\u1edbc khi k\u00fd k\u1ebft. Ngo\u00e0i ra, c\u0169ng c\u1ea7n c\u00e2n \u0111\u1ed1i gi\u1eefa nhu c\u1ea7u vay v\u00e0 thu nh\u1eadp c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u00e1nh vi\u1ec7c vay qu\u00e1 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a m\u00ecnh.<\/p>\n<p><strong>Tr\u1ea7n Tri\u1ec7u Th\u00e0nh , Nam &#8211; 25\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>T\u00f4i \u0111ang r\u1ea5t quan t\u00e2m \u0111\u1ebfn cho vay ti\u00eau d\u00f9ng trong n\u0103m 2017. Hi\u1ec7n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 k\u1ebf ho\u1ea1ch tung ra c\u00e1c g\u00f3i h\u1ea5p d\u1eabn nh\u01b0 ls 0% cho kh\u00e1ch h\u00e0ng nh\u01b0 v\u1eeba qua kh\u00f4ng?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong>\u00a0N\u0103m 2016 l\u00e0 n\u0103m ch\u00fang t\u00f4i \u0111\u1ea9y m\u1ea1nh c\u00e1c s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0% \u1edf Vi\u1ec7t Nam v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y \u0111\u00e3 r\u1ea5t th\u00e0nh c\u00f4ng v\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 \u1ea5n t\u01b0\u1ee3ng. Home Credit l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea7u ti\u00ean tri\u1ec3n khai c\u00e1c s\u1ea3n ph\u1ea9m cho vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0% t\u1eeb th\u00e1ng 4\/2015. Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y th\u1ef1c s\u1ef1 r\u1ea5t th\u00e0nh c\u00f4ng trong m\u1ea3ng h\u00e0ng \u0111i\u1ec7n m\u00e1y gia d\u1ee5ng, \u0111i\u1ec7n t\u1eed. Trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2016, c\u00f3 \u0111\u1ebfn 65% kh\u00e1ch h\u00e0ng m\u1ea3ng CD c\u1ee7a Home Credit vay tr\u1ea3 g\u00f3p v\u1edbi l\u00e3i su\u1ea5t 0%, \u0111\u1ea9y doanh s\u1ed1 cho vay mua c\u00e1c m\u1eb7t h\u00e0ng n\u00e0y c\u1ee7a Home Credit t\u0103ng g\u1ea5p \u0111\u00f4i so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n<p>Ti\u1ebfp n\u1ed1i th\u00e0nh c\u00f4ng n\u00e0y, m\u1edbi \u0111\u00e2y nh\u1ea5t, th\u00e1ng 9\/2016 ch\u00fang t\u00f4i \u0111\u00e3 tung ra g\u00f3i s\u1ea3n ph\u1ea9m l\u00e3i su\u00e2t 0% d\u00e0nh cho kh\u00e1ch h\u00e0ng mua tr\u1ea3 g\u00f3p xe m\u00e1y, \u00e1p d\u1ee5ng v\u1edbi c\u00e1c th\u01b0\u01a1ng hi\u1ec7u l\u1edbn nh\u01b0 Honda, Yamaha, Piaggio\u2026 K\u1ec3 t\u1eeb nay, m\u1ecdi ng\u01b0\u1eddi s\u1ebd c\u00f3 c\u01a1 h\u1ed9i mua xe, \u0111\u1ed5i xe b\u1eb1ng h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 m\u1ed9t \u0111\u1ed3ng l\u00e3i su\u1ea5t n\u00e0o.<\/p>\n<p>C\u00e1c s\u1ea3n ph\u1ea9m l\u00e3i su\u1ea5t 0% kh\u00f4ng ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho NTD m\u00e0 c\u0169ng gi\u00fap c\u00e1c nh\u00e0 b\u00e1n l\u1ebb, nh\u00e0 s\u1ea3n xu\u1ea5t b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u h\u00e0ng h\u01a1n. Do v\u1eady, n\u0103m 2017 ch\u00fang t\u00f4i s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh cho vay s\u1ea3n ph\u1ea9m l\u00e3i su\u1ea5t 0%.<\/p>\n<p><strong>Nga Ph\u1ea1m , N\u1eef &#8211; 32\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a ch\u1ecb Th\u1ee7y Ti\u00ean, c\u00f3 nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng m\u1ea1o danh nh\u00e2n vi\u00ean c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 l\u1eeba ng\u01b0\u1eddi ti\u00eau d\u00f9ng, v\u1edbi m\u1ea1ng l\u01b0\u1edbi nh\u00e2n vi\u00ean l\u1edbn nh\u01b0 th\u1ebf th\u00ec b\u00ean ch\u1ecb qu\u1ea3n l\u00fd th\u1ebf n\u00e0o \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n kh\u00f4ng b\u1ecb thi\u1ec7t h\u1ea1i?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean<\/strong>: B\u1ea1n h\u00e3y t\u1edbi c\u00e1c \u0111i\u1ec3m cho vay c\u00f3 ni\u00eam y\u1ebft t\u00ean c\u1ee7a c\u00e1c CTTC v\u00e0 ki\u1ec3m tra l\u1ea1i v\u1edbi c\u00e1c c\u00f4ng ty khi c\u1ea7n thi\u1ebft, tr\u00e1nh thanh to\u00e1n kho\u1ea3n vay tr\u1ef1c ti\u1ebfp cho nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n v\u00ec \u0111\u00e2y l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a NHNN v\u00e0 c\u00e1c CTTC. N\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 nghi ng\u1edd n\u00e0o, h\u00e3y li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi ch\u00fang t\u00f4i \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1ea1n nh\u00e9!<\/p>\n<p><strong>H\u00f9ng , Nam &#8211; 46\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u1ecb tr\u01b0\u1eddng vay ti\u00eau d\u00f9ng r\u1ea5t ti\u1ec7n nh\u01b0ng c\u0169ng l\u00e0m kh\u00f3 cho kh\u00e1ch h\u00e0ng, tr\u1ea3 s\u1edbm c\u0169ng b\u1ecb ph\u1ea1t m\u00e0 tr\u1ea3 mu\u1ed9n c\u0169ng b\u1ecb ph\u1ea1t l\u00e0 th\u1ebf n\u00e0o th\u01b0a c\u00e1c \u00d4ng \/B\u00e0?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>Quy \u0111\u1ecbnh tr\u1ea3 ph\u00ed tr\u01b0\u1edbc h\u1ea1n l\u00e0 th\u00f4ng l\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c CTTC nh\u1eb1m b\u00f9 \u0111\u1eafp c\u00e1c chi ph\u00ed \u0111\u1ea7u v\u00e0o khi huy \u0111\u1ed9ng v\u1ed1n. C\u00f2n vi\u1ec7c \u0111\u01b0a ra m\u1ee9c ph\u1ea1t ch\u1eadm thanh to\u00e1n l\u00e0 nh\u1eb1m \u0111\u1ea3m b\u1ea3o cho vi\u1ec7c kho\u1ea3n vay \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u00fang h\u1ea1n. V\u00ec v\u1eady, b\u1ea1n h\u00e3y l\u01b0u \u00fd c\u00e2n \u0111\u1ed1i ngu\u1ed3n ti\u1ec1n \u0111\u1ec3 \u0111i vay khi th\u1eadt c\u1ea7n thi\u1ebft v\u00e0 thanh to\u00e1n kho\u1ea3n vay \u0111\u00fang h\u1ea1n \u0111\u1ec3 tr\u00e1nh ph\u00e1t sinh c\u00e1c chi ph\u00ed nh\u01b0 tr\u00ean. H\u00e3y l\u00e0 m\u1ed9t ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ng\u01b0\u1eddi \u0111i vay th\u00f4ng minh v\u00e0 c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ea1n nh\u00e9.<\/p>\n<p><strong>H\u1ea3i , N\u1eef &#8211; 40\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Th\u01b0a \u00f4ng \u0110\u1ee9c, l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng s\u1eafp t\u1edbi \u00e1p d\u1ee5ng theo B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 s\u1eeda \u0111\u1ed5i hay Lu\u1eadt t\u00edn d\u1ee5ng? ch\u00fang t\u00f4i hoang mang khi quy\u1ebft \u0111\u1ecbnh vay ti\u00eau d\u00f9ng v\u00ec kh\u00f4ng bi\u1ebft b\u00e1m v\u00e0o ph\u00e1p l\u00fd n\u00e0o<\/em><\/p>\n<p><strong><em>Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/em><\/strong><em>\u00a0<\/em><em>\u0110\u00fang l\u00e0 quy \u0111\u1ecbnh kh\u00f4ng th\u1eadt r\u00f5, nh\u01b0ng theo nguy\u00ean t\u1eafc t\u1ef1 do h\u00f3a l\u00e3i su\u1ea5t v\u00e0 th\u1ef1c t\u1ebf l\u00e2u nay th\u00ec s\u1ebd nghi\u00eang theo h\u01b0\u1edbng th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p cao h\u01a1n 20%\/n\u0103m n\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 kh\u00e1c c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n.<\/em><\/p>\n<p><strong>H\u01b0\u01a1ng Giang , N\u1eef &#8211; 30\u00a0 Tu\u1ed5i<\/strong><\/p>\n<p><em>Sau kho\u1ea3ng bao l\u00e2u th\u00ec t\u00f4i \u0111\u01b0\u1ee3c thanh to\u00e1n tr\u01b0\u1edbc h\u1ea1n s\u1ed1 ti\u1ec1n vay ti\u00eau d\u00f9ng? Ph\u00ed ph\u1ea1t tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n l\u00e0 bao nhi\u00eau?<\/em><\/p>\n<p><strong>B\u00e0 Th\u1ee7y Ti\u00ean:<\/strong><strong>\u00a0<\/strong>T\u00f9y theo quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng, s\u1ed1 k\u1ef3 tr\u1ea3 g\u00f3p t\u1ed1i thi\u1ec3u ph\u1ea3i ho\u00e0n th\u00e0nh l\u00e0 4 k\u1ef3 ho\u1eb7c 12 k\u1ef3. Ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n: T\u00f9y theo h\u1ee3p \u0111\u1ed3ng, c\u00f3 th\u1ec3 t\u1eeb 05% \u0111\u1ebfn 15%.<\/p>\n<p><em>Do th\u1eddi gian giao l\u01b0u c\u00f3 h\u1ea1n, l\u01b0\u1ee3ng c\u00e2u h\u1ecfi b\u1ea1n \u0111\u1ecdc g\u1eedi \u0111\u1ebfn qu\u00e1 l\u1edbn, n\u00ean m\u1ed9t s\u1ed1 th\u1eafc m\u1eafc ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p, VietNamNet \u0111\u00e3 chuy\u1ec3n c\u00e1c c\u00e2u h\u1ecfi c\u00f2n l\u1ea1i c\u1ee7a qu\u00fd v\u1ecb \u0111\u1ebfn kh\u00e1ch m\u1eddi<\/em><\/p>\n<p><em>Xin tr\u00e2n tr\u1ecdng c\u1ea3m \u01a1n s\u1ef1 quan t\u00e2m theo d\u00f5i c\u1ee7a qu\u00fd v\u1ecb!<\/em><\/p>\n<p><strong>VietNamNet<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>VNN (Giao l\u01b0u tr\u1ef1c tuy\u1ebfn) 17-11-2016:<\/em><\/strong><\/p>\n<p><a href=\"http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/gltt-tai-chinh-tieu-dung-co-hoi-moi-cho-thi-truong-339945.html\"><em>http:\/\/vietnamnet.vn\/vn\/kinh-doanh\/gltt-tai-chinh-tieu-dung-co-hoi-moi-cho-thi-truong-339945.html<\/em><\/a><\/p>\n<p><em>(2.142\/10.578)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNN) &#8211; C\u00e1c chuy\u00ean gia cho r\u1eb1ng, d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng s\u1ebd th\u1ed5i \u2018lu\u1ed3ng gi\u00f3 m\u1edbi\u2019 cho th\u1ecb tr\u01b0\u1eddng \u0111em l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i kinh doanh cho c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng b\u00ecnh qu\u00e2n c\u1ee7a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18160,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-18159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.431. T\u00e0i ch\u00ednh ti\u00eau d\u00f9ng: C\u01a1 h\u1ed9i m\u1edbi cho th\u1ecb tr\u01b0\u1eddng - 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\/en\/tieng-viet-1-431-tai-chinh-tieu-dung-co-hoi-moi-cho-thi-truong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.431. 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