{"id":20350,"date":"2014-11-28T09:35:08","date_gmt":"2014-11-28T02:35:08","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20350"},"modified":"2022-05-06T09:39:29","modified_gmt":"2022-05-06T02:39:29","slug":"607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam\/","title":{"rendered":"607. V\u1ec1 gi\u00e1 tr\u1ecb kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m 30 n\u0103m"},"content":{"rendered":"(VTC14) – Truy\u1ec1n hinh tr\u1ef1c ti\u1ebfp ph\u1ecfng v\u1ea5n Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n hang 6h30 ng\u00e0y 28-11-2014 t\u1ea1i tr\u01b0\u1eddng quay 65 L\u1ea1c Trung, H\u00e0 N\u1ed9i.<\/strong><\/p>\n

\"\"<\/p>\n

V\u1ec1 vi\u1ec7c b\u00e0 Thu\u1ef7, g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n v\u00e0o th\u00e1ng 9-10\/1983 s\u1ed1 ti\u1ec1n 270 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 2 ch\u1ec9 v\u00e0ng, nay sau h\u01a1n 30 n\u0103m nh\u1eadn v\u1ec1 4.385 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 2 c\u1ed1c ch\u00e8 ch\u00e1t.<\/p>\n

    \n
  1. Vi\u1ec7c gi\u1ea3i th\u00edch s\u1ed1 ti\u1ec1n n\u00e0y th\u1ea5p h\u01a1n ti\u1ec1n duy tr\u00ec t\u00e0i kho\u1ea3n theo quy \u0111\u1ecbnh n\u00ean kho\u1ea3n ti\u1ec1n trong s\u1ed5 b\u1ecb tr\u1eeb c\u00f2n 0 \u0111\u1ed3ng l\u00e0 sai.<\/li>\n<\/ol>\n
      \n
    • Ch\u1ec9 \u00e1p d\u1ee5ng h\u1ea1n m\u1ee9c duy tr\u00ec s\u1ed1 d\u01b0 \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n kh\u00e1c, nh\u01b0 t\u00e0i kho\u1ea3n thanh to\u00e1n, ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m;<\/li>\n
    • G\u1ea7n \u0111\u00e2y, ng\u00e0nh Ng\u00e2n h\u00e0ng m\u1edbi coi vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m c\u0169ng l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i kho\u1ea3n, c\u00f2n tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng g\u1ecdi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m l\u00e0 ti\u1ec1n g\u1eedi t\u00e0i kho\u1ea3n.<\/li>\n<\/ul>\n
        \n
      1. Vi\u1ec7c gi\u1ea3i th\u00edch n\u0103m 1985, Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ef1c hi\u1ec7n \u0111\u1ed5i ti\u1ec1n theo t\u1ec9 gi\u00e1 10 \u0111\u1ed3ng ti\u1ec1n c\u0169 b\u1eb1ng 1 \u0111\u1ed3ng ti\u1ec1n m\u1edbi, n\u00ean kho\u1ea3n ti\u1ec1n 270 \u0111\u1ed3ng c\u1ee7a b\u00e0 c\u00f2n 27 \u0111\u1ed3ng l\u00e0 sai.<\/li>\n<\/ol>\n
          \n
        • M\u1ee5c 3, Quy\u1ebft \u0111\u1ecbnh s\u1ed1\u00a001-H\u0110BT-T\u0110 ng\u00e0y 13-9-1985 c\u1ee7a H\u0110BT V\/v Ph\u00e1t h\u00e0nh ti\u1ec1n ng\u00e2n h\u00e0ng m\u1edbi, thu \u0111\u1ed5i ti\u1ec1n ng\u00e2n h\u00e0ng c\u0169 quy \u0111\u1ecbnh<\/li>\n<\/ul>\n

          \u201cTi\u1ec1n g\u1eedi t\u1eeb ng\u00e0y 1-6-1981 \u0111\u1ebfn ng\u00e0y 31-12-1984 \u0111\u01b0\u1ee3c quy \u0111\u1ed5i theo t\u1ef7 l\u1ec7 6 \u0111\u1ed3ng c\u0169 b\u1eb1ng 1 \u0111\u1ed3ng m\u1edbi.\u201d<\/em><\/p>\n

            \n
          • Nh\u01b0 v\u1eady, 270 \u0111\u1ed3ng, sau khi \u0111\u1ed5i ti\u1ec1n c\u00f2n 45 \u0111\u1ed3ng ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u00f2n 27 \u0111\u1ed3ng<\/li>\n<\/ul>\n
              \n
            1. Vi\u1ec7c t\u00ednh l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi.<\/li>\n<\/ol>\n
                \n
              • M\u1ee9c binh qu\u00e2n th\u1ea5p nh\u1ea5t 5%\/n\u0103m x 30 n\u0103m = 6.750 \u0111\u1ed3ng<\/li>\n
              • M\u1ee9c cao th\u00ec 10%\/n\u0103m x 30 n\u0103m = 13.500 \u0111\u1ed3ng. Nh\u01b0 v\u1eady, c\u1ee9 kho\u1ea3ng 10 n\u0103m th\u00ec s\u1ed1 ti\u1ec1n g\u1ed1c \u0111\u00e3 t\u0103ng l\u00ean g\u1ea5p \u0111\u00f4i.<\/li>\n
              • Tuy nhi\u00ean, c\u1ea3 2 c\u00e1ch t\u00ednh \u0111\u00f3 \u0111\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec:<\/li>\n
              • L\u00e0 c\u00e1nh t\u00ednh l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t, l\u00e3i c\u1ee9 \u0111\u1ec3 \u0111\u1ea5y 30 n\u0103m, kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh th\u00eam l\u00e3i, t\u1ee9c kh\u00f4ng t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c;<\/li>\n
              • Kh\u00f4ng t\u00ednh l\u00e3i \u0111\u1ebfn ng\u00e0y \u0111\u1ed5i ti\u1ec1n: L\u00e3i t\u1eeb 10-1983 \u0111\u1ebfn 9-1985 khi \u0111\u1ed5i ti\u1ec1n th\u00ec ti\u1ec1n l\u00e3i \u0111\u00e3 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n g\u1ed1c. T\u1ee9c khi \u0111\u1ed5i ti\u1ec1n th\u00ec \u0111\u00e3 c\u00f3 540 \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 c\u00f3 270 \u0111\u1ed3ng.<\/li>\n
              • Trong kho\u1ea3ng 10 n\u0103m \u0111\u1ea7u, t\u1eeb 1983 \u0111\u1ebfn 1993, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m b\u00ecnh qu\u00e2n 2 \u2013 3%\/th\u00e1ng, t\u1ee9c 24 \u2013 36% n\u0103m, th\u00ec ch\u1ec9 sau h\u01a1n 3 n\u0103m l\u00e0 t\u0103ng g\u1ea5p \u0111\u00f4i s\u1ed1 ti\u1ec1n g\u1ed1c.<\/li>\n
              • Sau \u0111\u00f3 c\u00f2n 20 n\u0103m t\u00ednh l\u00e3i n\u1eefa, l\u00e3i v\u1eabn cao. Ch\u1ec9 t\u00ednh ri\u00eang n\u0103m 1989 l\u00e3i su\u1ea5t t\u1eeb 7-12%\/th\u00e1ng, t\u1ee9c 84 – 144%\/n\u0103m. Kh\u00f4ng t\u00ednh l\u00e3i nh\u1eadp g\u1ed1c th\u00ec s\u1ed1 ti\u1ec1n g\u1ed1c c\u0169ng \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i trong 1 n\u0103m.<\/li>\n<\/ul>\n
                  \n
                1. V\u00ec v\u1eady c\u1ea7n xem x\u00e9t t\u00ednh l\u1ea1i c\u00e1ch t\u00ednh l\u00e3i \u0111\u1ed1i v\u1edbi nh\u1eefng kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0i ch\u1ee5c n\u0103m tr\u01b0\u1edbc:<\/li>\n<\/ol>\n
                    \n
                  • Kho\u1ea3n ti\u1ec1n g\u1eedi 30 n\u0103m, th\u1ef1c t\u1ebf l\u00e0 g\u1eedi d\u00e0i h\u1ea1n, l\u00e0m l\u1ee3i r\u1ea5t nhi\u1ec1u cho NHNN, sau n\u00e0y l\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i<\/li>\n
                  • C\u00f3 th\u1eddi k\u1ef3 ng\u00e2n h\u00e0ng cho vay 118,8%, qu\u00e1 h\u1ea1n 252%\/n\u0103m nh\u01b0 n\u0103m 1987;<\/li>\n
                  • C\u00f3 th\u1eddi k\u1ef3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c quy \u0111\u1ed5i ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 d\u00e2n s\u1ef1 hay ngh\u0129a v\u1ee5 n\u1ed9p ng\u00e2n s\u00e1ch cho Nh\u00e0 n\u01b0\u1edbc ra th\u00f3c, ra v\u00e0ng.<\/li>\n
                  • Nhi\u1ec1u n\u0103m g\u1ea7n \u0111\u00e2y duy tr\u00ec nguy\u00ean t\u1eafc b\u1ea3o \u0111\u1ea3m ti\u1ec1n g\u1eedi l\u00e3i su\u1ea5t d\u01b0\u01a1ng, b\u1ea3o to\u00e0n gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ed3ng ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n

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

                    VTC14(Th\u1eddi s\u1ef1 6h) ng\u00e0y 28-11-2014:<\/em><\/strong><\/p>\n

                     ","protected":false},"excerpt":{"rendered":"

                    (VTC14) – Truy\u1ec1n hinh tr\u1ef1c ti\u1ebfp ph\u1ecfng v\u1ea5n Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n hang 6h30 ng\u00e0y 28-11-2014 t\u1ea1i tr\u01b0\u1eddng quay 65 L\u1ea1c Trung, H\u00e0 N\u1ed9i. V\u1ec1 vi\u1ec7c b\u00e0 Thu\u1ef7, g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n v\u00e0o th\u00e1ng 9-10\/1983 s\u1ed1 ti\u1ec1n […]<\/p>\n","protected":false},"author":3,"featured_media":20351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n607. V\u1ec1 gi\u00e1 tr\u1ecb kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m 30 n\u0103m - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]607. V\u1ec1 gi\u00e1 tr\u1ecb kho\u1ea3n ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m 30 n\u0103m[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VTC14) – Truy\u1ec1n hinh tr\u1ef1c ti\u1ebfp ph\u1ecfng v\u1ea5n Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH ANVI, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n hang 6h30 ng\u00e0y 28-11-2014 t\u1ea1i tr\u01b0\u1eddng quay 65 L\u1ea1c Trung, H\u00e0 N\u1ed9i. V\u1ec1 vi\u1ec7c b\u00e0 Thu\u1ef7, g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n v\u00e0o th\u00e1ng 9-10\/1983 s\u1ed1 ti\u1ec1n […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-28T02:35:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-06T02:39:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/05\/607.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"332\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/607-ve-gia-tri-khoan-tien-gui-tiet-kiem-30-nam\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Trung Ngh\u0129a\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/28ef9093c3478d1b1ba56f61255ebe7a\"},\"headline\":\"607. 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