{"id":20372,"date":"2015-10-09T10:16:21","date_gmt":"2015-10-09T03:16:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20372"},"modified":"2022-05-06T10:19:30","modified_gmt":"2022-05-06T03:19:30","slug":"857-tran-lai-suat-cho-vay-tieu-dung-dang-xa-roi-thuc-te","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/857-tran-lai-suat-cho-vay-tieu-dung-dang-xa-roi-thuc-te\/","title":{"rendered":"857. \u201cTr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang xa r\u1eddi th\u1ef1c t\u1ebf\u201d"},"content":{"rendered":"(CFF) – LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, b\u00ean ngo\u00e0i ng\u01b0\u1eddi ta cho vay r\u1ee7i ro cao h\u01a1n h\u1eb3n ng\u00e2n h\u00e0ng th\u00ec l\u00e3i su\u1ea5t kh\u00f4ng th\u1ec3 b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c 13,5%\/n\u0103m.<\/em><\/strong><\/p>\n

\"\"<\/p>\n

Hi\u1ec7n nay, t\u1ea1i c\u00e1c khu \u0111\u00f4 th\u1ecb t\u1ea1i Vi\u1ec7t Nam \u0111\u00e2u \u0111\u00e2u c\u0169ng th\u1ea5y c\u00e1c t\u1edd qu\u1ea3ng c\u00e1o cho vay ti\u00eau d\u00f9ng,\u00a0vay t\u00edn ch\u1ea5p<\/a>\u00a0v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i, th\u1ee7 t\u1ee5c nhanh g\u1ecdn. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y,\u00a0cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n<\/a>\u00a0\u0111ang ph\u00e1t tri\u1ec3n n\u1edf r\u1ed9 v\u00e0 \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 chi\u1ebfc b\u00e1nh m\u00e0u m\u1ee1 m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng tranh nhau \u0111\u1ea9y m\u1ea1nh th\u1ecb ph\u1ea7n.<\/p>\n

Theo website thebank.vn, 1.575 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n vay t\u00edn ch\u1ea5p lu\u00f4n s\u1eb5n s\u00e0ng t\u01b0 v\u1ea5n 24\/7 cho kh\u00e1ch h\u00e0ng n\u1ebfu c\u00f3 nhu c\u1ea7u. Trong khi \u0111\u00f3, theo b\u00e1o c\u00e1o c\u1ee7a c\u00f4ng ty StoxPlus, t\u1ed5ng quy m\u00f4 c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam \u0111\u1ebfn nay \u0111\u1ea1t kho\u1ea3ng 10,4 t\u1ef7 USD.<\/p>\n

Hi\u1ec7n, Vi\u1ec7t Nam \u0111ang c\u00f3 18 c\u00f4ng ty ta\u0300i ch\u00ednh, bao g\u1ed3m 6 c\u00f4ng ty ta\u0300i ch\u00ednh n\u01b0\u1edbc ngoa\u0300i va\u0300 12 c\u00f4ng ty ta\u0300i ch\u00ednh tr\u1ef1c thu\u1ed9c c\u00e1c T\u1eadp \u0111o\u00e0n, T\u1ed5ng c\u00f4ng ty Nh\u00e0 n\u01b0\u1edbc, trong \u0111\u00f3 m\u1ed9t s\u1ed1 t\u00ean tu\u1ed5i chi\u1ebfm th\u1ecb ph\u1ea7n l\u1edbn nh\u01b0: Home Credit, FE Credit, HD Saison Finance, Prudential Finance, ACS Trading, JACCS…<\/p>\n

L\u00e3i su\u1ea5t cao c\u00f3 ph\u1ea1m lu\u1eadt?<\/strong><\/p>\n

Kh\u1ea3o s\u00e1t c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i m\u1ed9t v\u00e0i \u0111i\u1ec3m\u00a0cho vay<\/a>\u00a0tr\u00ean th\u1ecb tr\u01b0\u1eddng cho th\u1ea5y, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t ph\u1ed5 bi\u1ebfn quanh m\u1ee9c 25 \u2013 30%, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean t\u1edbi 50- 70%\/n\u0103m do h\u1ed3 s\u01a1 vay qu\u00e1 y\u1ebfu.<\/p>\n

M\u1ee9c l\u00e3i su\u1ea5t n\u00e0y n\u1ebfu ch\u1ec9 nh\u00ecn v\u00e0o con s\u1ed1 th\u00ec r\u00f5 r\u00e0ng l\u00e0 cao h\u01a1n h\u1eb3n so v\u1edbi \u0111i vay t\u1ea1i ng\u00e2n h\u00e0ng, ch\u00ednh v\u00ec th\u1ebf m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 v\u1ea5p ph\u1ea3i kh\u00f4ng \u00edt nh\u1eefng l\u1ea7n ki\u1ec7n t\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

V\u1eady c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 \u0111ang vi ph\u1ea1m lu\u1eadt hay kh\u00f4ng? LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI kh\u1eb3ng \u0111\u1ecbnh, h\u1ecd kh\u00f4ng h\u1ec1 vi ph\u1ea1m lu\u1eadt, th\u1eadm ch\u00ed h\u1ecd c\u00f2n \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch cho vay. N\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng b\u1edfi kh\u00e1 nhi\u1ec1u quy \u0111\u1ecbnh nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong t\u00edn d\u1ee5ng th\u00ec c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u1ea1i kh\u00e1 t\u1ef1 do trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng, th\u1eddi gian cho vay c\u0169ng nh\u01b0 m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 ng\u01b0\u1eddi \u0111i vay ph\u1ea3i tr\u1ea3.<\/em><\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh nh\u1eafm t\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng nh\u00f3m kh\u00e1ch h\u00e0ng n\u00e0y kh\u00e1 l\u1edbn, \u0111a ph\u1ea7n h\u1ecd c\u00f3 thu nh\u1eadp trung b\u00ecnh ho\u1eb7c th\u1ea5p, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp; ch\u01b0a c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng,…. \u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay nh\u1eefng kho\u1ea3n nh\u1ecf l\u1ebb, kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u1ee7 t\u1ee5c nhanh g\u1ecdn, th\u1eddi gian x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 ch\u1ec9 t\u1eeb 1-3 ng\u00e0y, c\u00e1c th\u1ee7 t\u1ee5c c\u0169ng \u0111\u01b0\u1ee3c t\u1ed1i gi\u1ea3n, d\u1ecbch v\u1ee5 cung c\u1ea5p t\u1eadn n\u01a1i\u2026 V\u1edbi t\u1ea5t c\u1ea3 nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n m\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh s\u1eb5n s\u00e0ng \u0111\u01b0\u01a1ng \u0111\u1ea7u, \u0111i k\u00e8m v\u1edbi d\u1ecbch v\u1ee5 \u201ct\u1eadn r\u0103ng\u201d m\u00e0 c\u00e1c c\u00f4ng ty ki\u1ec3u n\u00e0y cung c\u1ea5p, th\u00ec m\u1ee9c l\u00e3i su\u1ea5t trong c\u00e1c giao d\u1ecbch kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ki\u1ec3u n\u00e0y l\u00e0 m\u1ee9c \u201cc\u00f3 ki\u1ec1m ch\u1ebf\u201d, th\u1ec3 hi\u1ec7n \u1ea3nh h\u01b0\u1edfng c\u1ee7a quy lu\u1eadt c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

V\u1ecb lu\u1eadt s\u01b0 cho bi\u1ebft, kh\u00e1ch h\u00e0ng bi\u1ebft m\u00ecnh kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay ng\u00e2n h\u00e0ng, l\u1ea1i mu\u1ed1n \u0111\u01b0\u1ee3c vay d\u1ec5 d\u00e0ng, vay nhanh ch\u00f3ng, v\u00e0 \u0111\u00e3 ch\u1ea5p nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t ho\u00e0n to\u00e0n d\u1ef1a theo s\u1ef1 th\u1ecfa thu\u1eadn, t\u1ef1 nguy\u1ec7n, n\u1ebfu \u0111\u1ed3ng \u00fd k\u00fd gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en th\u00ec ph\u1ea3i ch\u1ea5p nh\u1eadn theo nh\u1eefng \u0111i\u1ec1u kho\u1ea3n m\u00ecnh \u0111\u00e3 k\u00fd.<\/em><\/p>\n

Ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ebfn khi n\u1ee3 qu\u00e1 h\u1ea1n, l\u00e3i su\u1ea5t nh\u00e2n l\u00ean g\u1ea5p r\u01b0\u1ee1i so v\u1edbi trong h\u1ea1n (theo quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng) trong khi trong h\u1ea1n \u0111\u00e3 cao th\u00ec \u201ccon n\u1ee3\u201d l\u1ea1i quay ra ch\u00e2y \u00ec, th\u1eadm ch\u00ed \u201ct\u1ed1 ng\u01b0\u1ee3c\u201d l\u1ea1i \u0111\u01a1n v\u1ecb \u0111\u00e3 cho vay v\u00ec b\u1ea3n th\u00e2n kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng ho\u1eb7c kh\u00f4ng mu\u1ed1n tr\u1ea3 n\u1ee3.<\/em><\/p>\n

Khi r\u1ee7i ro x\u1ea3y ra, \u0111\u00e3 qu\u00e1 h\u1ea1n m\u00e0 kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p r\u1eafn \u0111\u1ec3 thu h\u1ed3i. N\u1ebfu nh\u01b0 ng\u00e2n h\u00e0ng s\u1ebd l\u00e0m tu\u1ea7n t\u1ef1 tr\u1ef1c ti\u1ebfp theo \u0111\u00fang quy tr\u00ecnh r\u1ea5t l\u00e2u nh\u01b0 th\u00fac gi\u1ee5c, \u0111\u00f4n \u0111\u1ed1c, \u0111\u1ed9ng vi\u00ean r\u1ed3i m\u1edbi thu gi\u1eef t\u00e0i s\u1ea3n, kh\u1edfi ki\u1ec7n c\u00f2n c\u00f4ng ty t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng h\u1ecd s\u1ebd thu\u00ea d\u1ecbch v\u1ee5 thu h\u1ed3i n\u1ee3 chuy\u00ean nghi\u1ec7p.<\/em><\/p>\n

X\u00e9t v\u1ec1 lu\u1eadt ph\u00e1p, h\u00e0ng lang ph\u00e1p l\u00fd hi\u1ec7n nay th\u1ec3 hi\u1ec7n s\u1ef1 kh\u00f4ng r\u00f5 r\u00e0ng. Trong khi Lu\u1eadt D\u00e2n s\u1ef1 \u0111\u00f4i l\u00fac \u0111\u01b0\u1ee3c vi\u1ec7n d\u1eabn \u0111\u1ec3 kh\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c cho vay v\u00e0o t\u1ed9i cho vay n\u1eb7ng l\u00e3i, chi\u1ebfu theo quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay, th\u00ec doanh nghi\u1ec7p s\u1ebd d\u1ef1a v\u00e0o Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ch\u1ee9ng minh t\u00ednh \u0111\u00fang \u0111\u1eafn trong c\u00e1c giao d\u1ecbch c\u1ee7a m\u00ecnh.<\/em><\/p>\n

L\u1ed7i thu\u1ed9c v\u1ec1 ai?<\/em><\/strong><\/p>\n

N\u1ebfu x\u00e9t \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111i\u1ec1u ch\u1ec9nh h\u00e0nh vi cho vay \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u1ea3 B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 s\u1ebd th\u1ea5y v\u1ea5n \u0111\u1ec1 kh\u00e1 nan gi\u1ea3i. C\u1ee5 th\u1ec3, theo kho\u1ea3n 2 \u0111i\u1ec1u 91 trong Lu\u1eadt c\u00e1c TCTD 2010, TCTD 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. Trong khi \u0111\u00f3 theo \u0110i\u1ec1u 476 B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c cho vay qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n (l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c NHNN \u00e1p d\u1ee5ng l\u00e0 9%\/n\u0103m su\u1ed1t t\u1eeb 2010 t\u1edbi nay – ngh\u0129a l\u00e0 kh\u00f4ng cho vay qu\u00e1 13,5%\/n\u0103m).<\/em><\/p>\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng khi kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, c\u1ea3m th\u1ea5y v\u00f4 l\u00fd khi ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t qu\u00e1 cao v\u00e0 ki\u1ec7n c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay th\u00ec s\u1ebd c\u0103n c\u1ee9 v\u00e0o lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t 13,5%.<\/em><\/p>\n

Tr\u1ea3 l\u1eddi kh\u00fac m\u1eafc n\u00e0y, \u00f4ng \u0110\u1ee9c th\u1eeba nh\u1eadn \u0111\u00e2y l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng b\u1ea5t c\u1eadp.<\/em><\/p>\n

\u201cV\u1edbi lo\u1ea1i h\u00ecnh cho vay t\u00edn ch\u1ea5p (kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m), r\u1ee7i ro r\u00f5 r\u00e0ng l\u00e0 cao h\u01a1n h\u1eb3n so v\u1edbi c\u00e1c kho\u1ea3n vay truy\u1ec1n th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec l\u00e3i su\u1ea5t l\u00e0m sao l\u1ea1i th\u1ea5p h\u01a1n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c m\u00e0 l\u1ea1i b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf 13,5%\/n\u0103m\u201d, \u00f4ng b\u00e0y t\u1ecf quan \u0111i\u1ec3m.<\/em><\/p>\n

Theo \u00f4ng, m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam hi\u1ec7n nay h\u1ee3p l\u00fd ph\u1ea3i \u1edf m\u1ee9c l\u00e0 30-50%, kh\u00f4ng th\u1ec3 \u0111\u1ec3 13,5%, c\u0169ng kh\u00f4ng th\u1ec3 ch\u1ec9 n\u00e2ng l\u00ean 18-20% nh\u01b0 d\u1ef1 th\u1ea3o b\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 b\u00e2y gi\u1edd b\u1edfi v\u1eabn qu\u00e1 xa v\u1eddi v\u1edbi th\u1ef1c t\u1ebf.<\/em><\/p>\n

\u201cTh\u1ef1c t\u1ebf nhi\u1ec1u n\u0103m nay, th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam \u0111\u00e3 ch\u1ea5p nh\u1eadn l\u00e3i su\u1ea5t v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m l\u00e0 chuy\u1ec7n b\u00ecnh th\u01b0\u1eddng. T\u1ea5t nhi\u00ean khi th\u1ecb tr\u01b0\u1eddng th\u1ef1c s\u1ef1 c\u1ea1nh tranh, s\u00f2ng ph\u1eb3ng th\u00ec l\u00e3i su\u1ea5t do m\u1eb7t b\u1eb1ng th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh l\u00e0 l\u00e3i su\u1ea5t h\u1ee3p l\u00fd nh\u1ea5t\u201d, \u00f4ng nh\u1ea5n m\u1ea1nh th\u00eam.<\/em><\/p>\n

Theo c\u00e1c chuy\u00ean gia, m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n v\u1eabn t\u1ed3n t\u1ea1i nh\u1eefng b\u0103n kho\u0103n, song kh\u00f4ng th\u1ec3 c\u1ea3n tr\u1edf s\u1ef1 ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu c\u1ee7a lo\u1ea1i h\u00ecnh s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh n\u00e0y, b\u1edfi nh\u1eefng l\u1ee3i \u00edch mang l\u1ea1i, \u0111\u00f3 l\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng nhu c\u1ea7u c\u00e1 nh\u00e2n trong ti\u00eau d\u00f9ng tr\u01b0\u1edbc khi c\u00f3 thu nh\u1eadp. L\u1ee3i \u00edch n\u00e0y ch\u1eafc ch\u1eafn l\u1edbn h\u01a1n m\u1ee9c ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 cao h\u01a1n cho vay th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Mai Ng\u1ecdc<\/strong><\/p>\n

——-<\/p>\n

CafeF (T\u00e0i ch\u00ednh \u2013 Ng\u00e2n h\u00e0ng) 09-10-2015:<\/em><\/strong><\/p>\n

http:\/\/cafef.vn\/tai-chinh-ngan-hang\/tran-lai-suat-cho-vay-tieu-dung-dang-xa-roi-thuc-te-20151009114412952.chn<\/em><\/p>\n

(733\/1.276)","protected":false},"excerpt":{"rendered":"

(CFF) – LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, b\u00ean ngo\u00e0i ng\u01b0\u1eddi ta cho vay r\u1ee7i ro cao h\u01a1n h\u1eb3n ng\u00e2n h\u00e0ng th\u00ec l\u00e3i su\u1ea5t kh\u00f4ng th\u1ec3 b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c 13,5%\/n\u0103m. Hi\u1ec7n nay, t\u1ea1i c\u00e1c khu \u0111\u00f4 th\u1ecb t\u1ea1i Vi\u1ec7t Nam \u0111\u00e2u \u0111\u00e2u c\u0169ng th\u1ea5y c\u00e1c t\u1edd qu\u1ea3ng c\u00e1o cho vay ti\u00eau d\u00f9ng,\u00a0vay t\u00edn […]<\/p>\n","protected":false},"author":3,"featured_media":20373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-20372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n857. \u201cTr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang xa r\u1eddi th\u1ef1c t\u1ebf\u201d - 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-857-tran-lai-suat-cho-vay-tieu-dung-dang-xa-roi-thuc-te\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]857. \u201cTr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u0111ang xa r\u1eddi th\u1ef1c t\u1ebf\u201d[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(CFF) – LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, b\u00ean ngo\u00e0i ng\u01b0\u1eddi ta cho vay r\u1ee7i ro cao h\u01a1n h\u1eb3n ng\u00e2n h\u00e0ng th\u00ec l\u00e3i su\u1ea5t kh\u00f4ng th\u1ec3 b\u1ecb kh\u1ed1ng ch\u1ebf \u1edf m\u1ee9c 13,5%\/n\u0103m. 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