{"id":19786,"date":"2015-09-09T09:43:34","date_gmt":"2015-09-09T02:43:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=19786"},"modified":"2022-04-28T09:48:53","modified_gmt":"2022-04-28T02:48:53","slug":"818-nhan-dien-can-biet-ve-giao-dich-vay-tien-bien-tuong-thanh-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/818-nhan-dien-can-biet-ve-giao-dich-vay-tien-bien-tuong-thanh-tin-dung-den\/","title":{"rendered":"818. Nh\u1eadn di\u1ec7n c\u1ea7n bi\u1ebft v\u1ec1 giao d\u1ecbch vay ti\u1ec1n ‘bi\u1ebfn t\u01b0\u1edbng’ th\u00e0nh t\u00edn d\u1ee5ng \u0111en"},"content":{"rendered":"(VQ) – C\u00f3 r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh ch\u1ee7 y\u1ebfu nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng, t\u01b0\u1edfng ch\u1eebng nh\u01b0 \u201cc\u1eaft c\u1ed5\u201d…<\/strong><\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf hi\u1ec7n nay, r\u1ea5t nhi\u1ec1u gia \u0111\u00ecnh, c\u00e1 nh\u00e2n c\u1ea7n vay v\u1ed1n kinh doanh nh\u01b0ng v\u00ec thi\u1ebfu hi\u1ec3u bi\u1ebft v\u1ec1 th\u1ee7 t\u1ee5c ng\u00e2n h\u00e0ng n\u00ean h\u1ecd \u0111\u00e3 ch\u1ecdn con \u0111\u01b0\u1eddng vay t\u00edn d\u1ee5ng \u0111en \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t. B\u1edfi th\u1ee7 t\u1ee5c c\u1ee7a ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111en r\u1ea5t nhanh g\u1ecdn, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n h\u1ee3p \u0111\u1ed3ng m\u00e0 ch\u1ec9 c\u1ea7n k\u00fd v\u00e0o s\u1ed5, kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p, kh\u00f4ng ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh\u2026 l\u00e0 \u0111\u00e3 c\u00f3 th\u1ec3 nh\u1eadn ti\u1ec1n.<\/p>\n

Tuy nhi\u00ean, nh\u00ecn \u1edf g\u00f3c \u0111\u1ed9 lu\u1eadt ph\u00e1p v\u00e0 th\u1ef1c t\u1ebf x\u1ea3y ra, d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng \u0111en ch\u1ec9 l\u1ed9 di\u1ec7n khi ng\u00e2n h\u00e0ng \u0111\u1ebfn xi\u1ebft n\u1ee3 th\u00ec l\u00fac \u0111\u00f3 n\u1ea1n nh\u00e2n m\u1edbi bi\u1ebft t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u00e3 b\u1ecb t\u1ed9i ph\u1ea1m n\u00e0y giao d\u1ecbch th\u1ebf ch\u1ea5p, chuy\u1ec3n nh\u01b0\u1ee3ng th\u1ef1c hi\u1ec7n vay t\u00e0i ch\u00ecnh r\u1ed3i.<\/p>\n

\u0110\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u00e1i nh\u00ecn kh\u00e1i qu\u00e1t v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u00edn d\u1ee5ng \u0111en ng\u00e0y c\u00e0ng c\u00f3 di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p,\u00a0<\/em>tin<\/em><\/a>h vi, ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI) v\u1ec1 m\u1ed9t s\u1ed1 \u0111i\u1ec3m nh\u1eadn di\u1ec7n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn d\u1ee5ng \u0111en \u0111\u1ec3 b\u1ea1n \u0111\u1ecdc c\u00f9ng tham kh\u1ea3o.<\/em><\/p>\n

\"\"<\/p>\n

M\u1ed9t n\u1ea1n nh\u00e2n c\u1ee7a ho\u1ea1t \u0111\u1ed9ng cho vay t\u00edn d\u1ee5ng \u0111en t\u1ea1i H\u00e0 N\u1ed9i<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho bi\u1ebft, \u00f4ng c\u0169ng t\u1eebng nghe nhi\u1ec1u v\u1ec1 c\u1ee5m t\u1eeb \u201ct\u00edn d\u1ee5ng \u0111en\u201d, nh\u01b0ng v\u1ec1 ph\u00e1p l\u00fd th\u00ec kh\u00f4ng d\u1ec5 g\u00ec kh\u1eb3ng \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 t\u00edn d\u1ee5ng \u0111en, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh hay gi\u1ea3i th\u00edch g\u00ec c\u1ee7aph\u00e1p lu\u1eadt<\/a>. \u201cC\u00e1 nh\u00e2n t\u00f4i hi\u1ec3u n\u00f4m na \u201ct\u00edn d\u1ee5ng \u0111en\u201d l\u00e0 nh\u1eafc \u0111\u1ebfn m\u1ed9t ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p, c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u201cx\u00e3 h\u1ed9i \u0111en\u201d, ng\u1ea7m hi\u1ec3u l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u1ecb ph\u00e1p lu\u1eadt h\u1ea1n ch\u1ebf, nghi\u00eam c\u1ea5m.<\/p>\n

T\u1ee9c l\u00e0 \u1edf \u0111\u00e2y, t\u00edn d\u1ee5ng \u0111en c\u0169ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p nh\u01b0ng v\u1eabn ti\u1ebfn h\u00e0nh cho vay. Tuy nhi\u00ean, n\u1ebfu ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c cho vay kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p hay cho vay kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p, th\u00ec l\u1ea1i kh\u00f3 c\u00f3 th\u1ec3 g\u1ecdi \u0111\u00f3 l\u00e0 t\u00edn d\u1ee5ng \u0111en\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u00ecn nh\u1eadn.<\/p>\n

C\u0169ng theo v\u1ecb lu\u1eadt s\u01b0 n\u00e0y, n\u00f3i \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en c\u0169ng lu\u00f4n nh\u1eafc \u0111\u1ebfn l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p. Nh\u01b0ng n\u1ebfu c\u1ee9 cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u00e0 \u0111\u1ec1u b\u1ecb coi l\u00e0 t\u00edn d\u1ee5ng \u0111en, th\u00ec h\u00f3a ra m\u1ecdi ho\u1ea1t \u0111\u1ed9ng cho vay v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t 13,5%\u00a0 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u1ec1u l\u00e0 t\u00edn d\u1ee5ng \u0111en? Th\u1eadm ch\u00ed, kh\u00f4ng lo\u1ea1i tr\u1eeb c\u1ea3 vi\u1ec7c cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c c\u0169ng c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a cho vay t\u00edn d\u1ee5ng \u0111en?<\/p>\n

Nh\u01b0 v\u1eady, t\u00edn d\u1ee5ng \u0111en ph\u1ea3i l\u00e0 m\u1ed9t ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t y\u1ebfu t\u1ed1 b\u1ea5t h\u1ee3p ph\u00e1p trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 sau: Ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p, m\u1ee5c \u0111\u00edch vay v\u1ed1n b\u1ea5t h\u1ee3p ph\u00e1p, l\u00e3i su\u1ea5t cho vay b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c c\u00f3 nh\u1eefng h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1t kh\u00e1c nh\u01b0 \u0111e d\u1ecda, c\u01b0\u1ee1ng b\u1ee9c, l\u1eeba d\u1ed1i trong giao d\u1ecbch cho vay\u2026<\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c trao \u0111\u1ed5i v\u1edbi PV<\/em><\/p>\n

\u201cHi\u1ec7n t\u01b0\u1ee3ng ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a t\u00edn d\u1ee5ng \u0111en l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 cho vay b\u1ea5t h\u1ee3p ph\u00e1p \u0111i \u0111\u00f4i v\u1edbi \u00e1p \u0111\u1eb7t m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t cao tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

V\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005, Lu\u1eadt\u00a0Doanh nghi\u1ec7p<\/a>\u00a02014\u2026 th\u00ec giao d\u1ecbch vay v\u00e0 cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n v\u1edbi nhau l\u00e0 h\u1ee3p ph\u00e1p v\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd kinh doanh. Th\u1eadm ch\u00ed ti\u1ec1n vay c\u00f2n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m b, kho\u1ea3n 8, \u0110i\u1ec1u 5 v\u1ec1 \u0110\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng ch\u1ecbu thu\u1ebf (Lu\u1eadt Thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng n\u0103m 2008 v\u00e0 s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2013).<\/p>\n

Tr\u1eeb tr\u01b0\u1eddng h\u1ecdp \u0111\u1eb7c bi\u1ec7t, c\u00f2n m\u1ecdi c\u00e1 nh\u00e2n hay ph\u00e1p nh\u00e2n \u0111\u1ec1u c\u00f3 quy\u1ec1n \u0111i vay ti\u1ec1n c\u1ee7a nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c. Ng\u01b0\u1ee3c l\u1ea1i, m\u1ed9t c\u00e1 nh\u00e2n hay m\u1ed9t ph\u00e1p nh\u00e2n c\u0169ng c\u00f3 quy\u1ec1n cho nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c vay ti\u1ec1n. V\u00ec v\u1eady, kh\u00f4ng d\u1ec5 kh\u1eb3ng \u0111\u1ecbnh tr\u01b0\u1eddng h\u1ee3p n\u00e0o l\u00e0 cho vay h\u1ee3p ph\u00e1p v\u00e0 khi n\u00e0o l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay b\u1ea5t h\u1ee3p ph\u00e1p – c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a t\u00edn d\u1ee5ng \u0111en.<\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t cho vay, t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 v\u1ec1 L\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2005 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/a>\u00a0c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi cho vay t\u01b0\u01a1ng \u1ee9ng.<\/p>\n

L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 5\/11\/2010 \u0111\u1ebfn nay v\u1eabn l\u00e0 9%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2619\/Q\u0110-NHNN ng\u00e0y 5\/11\/2010 v\u00e0 Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN ng\u00e0y 29\/11\/2010 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1ec1 M\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam.<\/p>\n

Nh\u01b0 v\u1eady, giao d\u1ecbch cho vay v\u01b0\u1ee3t m\u1ee9c 13,5%\/n\u0103m l\u00e0 giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 c\u00f3 d\u1ea5u hi\u1ec7u c\u1ee7a t\u00edn d\u1ee5ng \u0111en. Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ea1i \u0111a s\u1ed1 giao d\u1ecbch cho vay c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n, bao g\u1ed3m c\u1ea3 giao d\u1ecbch cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c. Hi\u1ebfm c\u00f3 ai l\u1ea1i ngh\u0129 r\u1eb1ng, l\u00e3i su\u1ea5t cho vay d\u00e2n s\u1ef1 hi\u1ec7n nay tr\u00ean 13,5% l\u00e0 t\u00edn d\u1ee5ng \u0111en, m\u1eb7c d\u00f9 \u0111\u00f3 l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, ph\u00e2n t\u00edch.<\/p>\n

H\u1ea3i S\u01a1n<\/strong><\/p>\n

——-<\/p>\n

VietQ (Ph\u00e1p lu\u1eadt) 09-9-2015:<\/em><\/strong><\/p>\n

http:\/\/vietq.vn\/nhan-dien-can-biet-ve-giao-dich-vay-tien-bien-tuong-thanh-tin-dung-den-d70222.html<\/em><\/p>\n

(792\/987)<\/strong>","protected":false},"excerpt":{"rendered":"

(VQ) – C\u00f3 r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e1c giao d\u1ecbch vay ti\u1ec1n bi\u1ebfn th\u00e0nh t\u00edn d\u1ee5ng \u0111en, nh\u01b0ng y\u1ebfu t\u1ed1 ch\u00ednh ch\u1ee7 y\u1ebfu nh\u1ea5t l\u00e0 l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng, t\u01b0\u1edfng ch\u1eebng nh\u01b0 \u201cc\u1eaft c\u1ed5\u201d… Tr\u00ean th\u1ef1c t\u1ebf hi\u1ec7n nay, r\u1ea5t nhi\u1ec1u gia \u0111\u00ecnh, c\u00e1 nh\u00e2n c\u1ea7n vay v\u1ed1n kinh doanh nh\u01b0ng v\u00ec thi\u1ebfu […]<\/p>\n","protected":false},"author":3,"featured_media":19792,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-19786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n818. Nh\u1eadn di\u1ec7n c\u1ea7n bi\u1ebft v\u1ec1 giao d\u1ecbch vay ti\u1ec1n 'bi\u1ebfn t\u01b0\u1edbng' th\u00e0nh t\u00edn d\u1ee5ng \u0111en - 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-818-nhan-dien-can-biet-ve-giao-dich-vay-tien-bien-tuong-thanh-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]818. 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