{"id":20904,"date":"2016-03-11T11:07:05","date_gmt":"2016-03-11T04:07:05","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=20904"},"modified":"2022-05-12T11:09:48","modified_gmt":"2022-05-12T04:09:48","slug":"990-goi-tin-dung-uu-dai-30-000-ty-dong-sap-het-han","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/990-goi-tin-dung-uu-dai-30-000-ty-dong-sap-het-han\/","title":{"rendered":"990. G\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i 30.000 t\u1ef7 \u0111\u1ed3ng s\u1eafp h\u1ebft h\u1ea1n:"},"content":{"rendered":"(KT\u0110T) – B\u00e1o Kinh t\u1ebf & \u0110\u00f4 th\u1ecb m\u1edbi \u0111\u00e2y c\u00f3 b\u00e0i ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u201cv\u01b0\u1ee3t r\u00e0o\u201d ch\u1ea1y \u0111ua d\u01b0 n\u1ee3 khi t\u00ecm c\u00e1ch b\u1eaft tay ch\u1ee7 \u0111\u1ea7u t\u01b0 t\u01b0 v\u1ea5n cho ng\u01b0\u1eddi mua nh\u00e0 gi\u1ea3i ng\u00e2n m\u1ed9t l\u1ea7n (80%) \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t 5% thay v\u00ec l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i sau 1\/6.<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng l\u00e0m kh\u00f3 ng\u01b0\u1eddi vay<\/strong><\/p>\n

Ngay l\u1eadp t\u1ee9c c\u1ee5m t\u1eeb \u201cl\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i\u201d tr\u1edf th\u00e0nh t\u1eeb kh\u00f3a g\u00e2y hoang mang c\u1ef1c \u0111\u1ed9.
\nKh\u00e1ch h\u00e0ng h\u01b0\u1edfng g\u00f3i vay 30.000 t\u1ef7 \u0111\u1ed3ng ch\u1ee7 y\u1ebfu l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng thu nh\u1eadp th\u1ea5p \u201cloay hoay\u201d m\u00e3i m\u1edbi k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng, hy v\u1ecdng 2 – 3 n\u0103m sau c\u00f3 th\u1ec3 s\u1edf h\u1eefu ng\u00f4i nh\u00e0 trong m\u01a1 b\u1eb1ng ngu\u1ed3n v\u1ed1n \u01b0u \u0111\u00e3i. Th\u1ebf nh\u01b0ng n\u0103m l\u1ea7n b\u1ea3y l\u01b0\u1ee3t nh\u1eefng th\u00f4ng tin \u201cd\u1eebng gi\u1ea3i ng\u00e2n\u201d hay \u201c\u00e1p d\u1ee5ng l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi d\u01b0 n\u1ee3 gi\u1ea3i ng\u00e2n sau ng\u00e0y 1\/6\u201d t\u1eeb ph\u00eda ng\u00e2n h\u00e0ng \u0111ang b\u00e0o m\u00f2n ni\u1ec1m tin c\u1ee7a nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y.<\/p>\n

\u201cTr\u00f2ng\u201d\u2026 c\u00e2u ch\u1eef<\/strong><\/p>\n

\u201cTheo quy \u0111\u1ecbnh c\u1ee7a g\u00f3i t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc th\u1eddi gian 1\/6 ch\u1eafc ch\u1eafn s\u1ebd h\u01b0\u1edfng l\u00e3i su\u1ea5t 5% c\u1ee7a g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i 30.000 t\u1ef7 \u0111\u1ed3ng. C\u00f2n gi\u1ea3i ng\u00e2n sau h\u1ea1n \u0111\u1ecbnh ph\u1ea3i xem NHNN c\u00f3 ra g\u00f3i t\u00e1i c\u1ea5p v\u1ed1n m\u1edbi n\u1eefa hay kh\u00f4ng? N\u1ebfu kh\u00f4ng th\u00ec x\u00e1c su\u1ea5t kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i l\u00e0 r\u1ea5t cao\u201d\u00a0 – m\u1ed9t nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u1eb3ng \u0111\u1ecbnh v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Kinh t\u1ebf & \u0110\u00f4 th\u1ecb khi t\u01b0 v\u1ea5n \u201cl\u00e1ch lu\u1eadt\u201d gi\u1ea3i ng\u00e2n m\u1ed9t l\u1ea7n.<\/p>\n

\"\"<\/p>\n\n\n\n
Nh\u00e2n vi\u00ean kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u01b0 v\u1ea5n cho kh\u00e1ch ch\u1ecdn mua nh\u00e0 t\u1ea1i m\u1ed9t d\u1ef1 \u00e1n \u1edf H\u00e0 N\u1ed9i. \u1ea2nh: Ph\u1ea1m H\u00f9ng<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ch\u1ecb P.D, m\u1ed9t kh\u00e1ch h\u00e0ng vay g\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng cho hay: \u201cKhi mua nh\u00e0 t\u00f4i \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean m\u00f4i gi\u1edbi v\u00e0 ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n vay g\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i 5%, c\u1ed1 \u0111\u1ecbnh trong 15 n\u0103m. L\u00fac \u0111\u00f3 do l\u1ea7n \u0111\u1ea7u ti\u00ean mua nh\u00e0 c\u1ed9ng v\u1edbi ki\u1ebfn th\u1ee9c h\u1ea1n ch\u1ebf, t\u00f4i tin t\u01b0\u1edfng s\u1ebd gi\u1ea3i ng\u00e2n cho \u0111\u1ebfn khi nh\u1eadn nh\u00e0 v\u1edbi l\u00e3i su\u1ea5t 5% trong 15 n\u0103m n\u00ean y\u00ean t\u00e2m k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n\u201d.<\/p>\n

Chia s\u1ebb c\u1ee7a ch\u1ecb P.D, c\u0169ng l\u00e0 \u0111i\u1ec1u nh\u1ea7m t\u01b0\u1edfng nghi\u00eam tr\u1ecdng c\u1ee7a ph\u1ea7n \u0111\u00f4ng kh\u00e1ch h\u00e0ng thu nh\u1eadp th\u1ea5p \u0111\u00e3 vay g\u00f3i 30.000 t\u1ef7 \u0111\u1ed3ng. Th\u1ef1c t\u1ebf, v\u1ec1 m\u1eb7t c\u00e2u ch\u1eef Th\u00f4ng t\u01b0 s\u1ed1 11\/2013\/TT-NHNN ng\u00e0y 15\/5\/2013 c\u1ee7a NHNN kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady. C\u1ee5 th\u1ec3, v\u1edbi c\u0103n h\u1ed9 c\u00f3 gi\u00e1 1 t\u1ef7 \u0111\u1ed3ng, kh\u00e1ch \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 800 tri\u1ec7u \u0111\u1ed3ng th\u00ec s\u1ed1 ti\u1ec1n n\u00e0y l\u00e0 n\u1ee3 g\u1ed1c chia \u0111\u1ec1u trong 15 n\u0103m, ti\u1ec1n l\u00e3i t\u00ednh theo s\u1ed1 d\u01b0 n\u1ee3 th\u1ef1c t\u1ebf. Tham chi\u1ebfu tr\u00ean quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN, \u0111\u1ebfn ng\u00e0y 1\/6 t\u1edbi, s\u1ed1 ti\u1ec1n ch\u01b0a gi\u1ea3i ng\u00e2n theo ti\u1ebfn \u0111\u1ed9 ph\u1ea3i t\u00ednh theo l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i. Nh\u01b0 v\u1eady, h\u00e0ng th\u00e1ng ng\u01b0\u1eddi mua nh\u00e0 ph\u1ea3i tr\u1ea3 l\u00e3i ch\u00eanh l\u1ec7ch qu\u00e1 cao, kh\u00f4ng \u0111\u00fang v\u1edbi t\u00ean g\u1ecdi h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p. N\u1ebfu kh\u00f4ng c\u00f3 h\u1ea1n \u0111\u1ecbnh 1\/6 th\u00ec kh\u00e1ch h\u00e0ng tr\u1ea3 l\u00e3i b\u00ecnh th\u01b0\u1eddng nh\u01b0ng sau khi c\u00f3 th\u00f4ng tin m\u1edbi s\u1ed1 l\u00e3i ph\u1ea3i tr\u1ea3 cao h\u01a1n 5%. Nh\u01b0 trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a ch\u1ecb P.D, s\u1ed1 l\u00e3i tr\u1ea3 h\u00e0ng th\u00e1ng khi ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n h\u1ebft l\u00e0 16 tri\u1ec7u \u0111\u1ed3ng (n\u1ebfu gi\u1ea3 s\u1eed l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i l\u00e0 8%), trong khi n\u1ebfu kh\u00f4ng \u00e1p d\u1ee5ng th\u00f4ng t\u01b0 tr\u01b0\u1edbc ng\u00e0y 1\/6, l\u00e3i su\u1ea5t tr\u1ea3 ch\u1ec9 10 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Anh Tr\u1ea7n Q. \u0111ang mua nh\u00e0 t\u1ea1i m\u1ed9t d\u1ef1 \u00e1n N\u01a0XH lo l\u1eafng: \u201cTheo ti\u1ebfn \u0111\u1ed9 \u0111\u1ebfn 6\/2016 ng\u00e2n h\u00e0ng m\u1edbi ch\u1ec9 gi\u1ea3i ng\u00e2n \u0111\u01b0\u1ee3c cho gia \u0111\u00ecnh t\u00f4i 35%. Th\u00f4ng tin d\u01b0 n\u1ee3 sau khi h\u1ebft th\u1eddi \u0111i\u1ec3m gi\u1ea3i ng\u00e2n g\u00f3i 30.000 t\u1ef7 \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t tr\u00f4i n\u1ed5i tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u01b0 m\u1ed9t c\u01a1n \u00e1c m\u1ed9ng. V\u00ec n\u1ebfu vay h\u01a1n 500 tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 8 – 12% c\u1ed9ng v\u1edbi ti\u1ec1n tr\u1ea3 h\u00e0ng th\u00e1ng tr\u1edf th\u00e0nh g\u00e1nh n\u1eb7ng qu\u00e1 l\u1edbn…?\u201d<\/p>\n

Cu\u1ed9c \u0111ua l\u00e3i su\u1ea5t m\u1edbi?<\/strong><\/p>\n\n\n\n
G\u00f3i h\u1ed7 tr\u1ee3 cho vay mua nh\u00e0 30.000 t\u1ef7 \u0111\u1ed3ng b\u1eaft \u0111\u1ea7u tri\u1ec3n khai t\u1eeb 6\/2013. Theo b\u00e1o c\u00e1o c\u1ee7a B\u1ed9 X\u00e2y d\u1ef1ng, t\u00ednh \u0111\u1ebfn 31\/12\/2015, t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u00e3 cam k\u1ebft l\u00e0 26.999 t\u1ef7 \u0111\u1ed3ng (\u0111\u1ea1t 90%), \u0111\u00e3 gi\u1ea3i ng\u00e2n\u00a0 17.711 t\u1ef7 \u0111\u1ed3ng (\u0111\u1ea1t 59%). Trong \u0111\u00f3, \u0111\u1ed1i v\u1edbi h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n, \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng cam k\u1ebft cho vay 40.037 h\u1ed9 v\u1edbi s\u1ed1 ti\u1ec1n 19.225 t\u1ef7 \u0111\u1ed3ng. \u0110\u00e3 gi\u1ea3i ng\u00e2n cho 39.883 h\u1ed9 v\u1edbi s\u1ed1 ti\u1ec1n 13.771 t\u1ef7 \u0111\u1ed3ng. \u0110\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c, \u0111\u00e3 cam k\u1ebft cho vay 60 d\u1ef1 \u00e1n v\u1edbi s\u1ed1 ti\u1ec1n l\u00e0 7.774 t\u1ef7 \u0111\u1ed3ng v\u00e0 gi\u1ea3i ng\u00e2n cho 58 d\u1ef1 \u00e1n, d\u01b0 n\u1ee3 l\u00e0 3.940 t\u1ef7 \u0111\u1ed3ng.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIAC), ch\u1ec9 c\u00f2n ch\u01b0a \u0111\u1ea7y 2 th\u00e1ng n\u1eefa l\u00e0 h\u1ebft h\u1ea1n gi\u1ea3i ng\u00e2n g\u00f3i t\u00edn d\u1ee5ng 30.000 t\u1ef7 \u0111\u1ed3ng d\u00e0nh cho \u0111\u1ed1i t\u01b0\u1ee3ng thu nh\u1eadp th\u1ea5p. G\u00f3i \u01b0u \u0111\u00e3i n\u00e0y su\u1ed1t t\u1eeb \u0111\u1ea7u \u0111\u1ebfn nay ch\u01b0a ng\u00e0y n\u00e0o su\u00f4n s\u1ebb. L\u00fac thi\u1ebfu \u0111i\u1ec1u ki\u1ec7n, l\u00fac v\u01b0\u1edbng th\u1ee7 t\u1ee5c. \u01af\u1edbc m\u01a1 an c\u01b0 l\u1ea1c nghi\u1ec7p \u0111\u00e3 kh\u00e9p l\u1ea1i v\u1edbi nhi\u1ec1u gia ch\u1ee7. Ng\u01b0\u1eddi may m\u1eafn k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng th\u00ec hi\u1ec7n t\u1ea1i nh\u01b0 \u201cng\u1ed3i tr\u00ean \u0111\u1ed1ng l\u1eeda. \u201cMu\u1ed1n \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n t\u1eeb g\u00f3i n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i vay t\u00e1i c\u1ea5p v\u1ed1n t\u1eeb NHNN. M\u00e0 theo Th\u00f4ng t\u01b0 s\u1ed1 11\/2013\/TT-NHNN th\u00ec s\u1ebd k\u1ebft th\u00fac gi\u1ea3i ng\u00e2n v\u00e0o ng\u00e0y 1\/6\/2016, sau \u0111\u00fang 3 n\u0103m. Th\u00f4ng th\u01b0\u1eddng th\u00ec hi\u1ec3u, h\u1ebft h\u1ea1n l\u00e0 d\u1eebng k\u00fd m\u1edbi h\u1ee3p \u0111\u1ed3ng, c\u00f2n nh\u1eefng h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 cam k\u1ebft gi\u1ea5y tr\u1eafng m\u1ef1c \u0111en th\u00ec ph\u1ea3i gi\u1ea3i ng\u00e2n cho kh\u00e1ch h\u00e0ng theo l\u00e3i su\u1ea5t 5% trong 15 n\u0103m. Nh\u01b0ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u00ec \u0111\u00e3 cam k\u1ebft cho vay \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 mua nh\u00e0 theo \u0111\u00fang h\u1ee3p \u0111\u1ed3ng, b\u1ea5t ng\u1edd k\u1ebft th\u00fac gi\u1ea3i ng\u00e2n, ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. T\u1ee9c l\u00e0 m\u1edbi mua \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n nh\u00e0 v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i 5%, mu\u1ed1n \u0111\u1ee7 ti\u1ec1n mua nh\u00e0 th\u00ec \u0111\u00e0nh ph\u1ea3i chuy\u1ec3n qua vay l\u00e3i su\u1ea5t cao hay b\u1ecf d\u1edf h\u1ee3p \u0111\u1ed3ng mua nh\u00e0. Vay v\u1ed1n l\u00e3i su\u1ea5t th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i, th\u00ec l\u00e3i su\u1ea5t cao c\u1ee1 g\u1ea5p \u0111\u00f4i, nh\u01b0ng c\u0169ng r\u1ea5t kh\u00f3 vay v\u00ec thu nh\u1eadp th\u1ea5p v\u00e0 thi\u1ebfu t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Vay b\u00ean ngo\u00e0i th\u00ec kh\u00f4ng th\u1ec3 tr\u1ea3 n\u1ed5i l\u00e3i su\u1ea5t cao ng\u1ea5t ng\u01b0\u1edfng.<\/em> \u0110\u00e2m ra kh\u00e1ch h\u00e0ng hoang mang, s\u1ee3 h\u00e3i tr\u01b0\u1edbc nguy c\u01a1 \u0111ang l\u1edbn d\u1ea7n. V\u00ec v\u1eady c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u1ea7n nhanh ch\u00f3ng c\u00f3 \u0111\u1ed9ng th\u00e1i x\u1eed l\u00fd, tr\u00e1nh t\u00ecnh tr\u1ea1ng mang con b\u1ecf ch\u1ee3\u201d – \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.
\n\u1ede g\u00f3c nh\u00ecn kinh t\u1ebf, TS Ng\u00f4 Tr\u00ed Long cho r\u1eb1ng, \u201ck\u1ebd h\u1edf\u201d c\u1ee7a Th\u00f4ng t\u01b0 v\u00f4 t\u00ecnh t\u1ea1o ra m\u1ed9t cu\u1ed9c \u0111ua l\u00e3i su\u1ea5t v\u1edbi m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t m\u1edbi sau th\u1eddi gian 1\/6. Hi\u1ec7n t\u1ea1i, c\u00e1c ng\u00e2n h\u00e0ng, ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00e1ch h\u00e0ng \u0111ang \u0111au \u0111\u1ea7u t\u00ecm l\u1ed1i tho\u00e1t. Sau h\u1ea1n \u0111\u1ecbnh 1\/6 t\u1edbi, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 kh\u00f3 gi\u1ea3i ng\u00e2n do l\u00e3i su\u1ea5t cao kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ec3 vay, d\u1eabn \u0111\u1ebfn ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u0169ng kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 x\u00e2y d\u1ef1ng theo ti\u1ebfn \u0111\u1ed9. T\u1eeb \u0111\u00f3 t\u1ea5t y\u1ebfu ng\u00e2n h\u00e0ng v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 \u201cl\u00e1ch lu\u1eadt\u201d.<\/p>\n

V\u00e2n H\u1eb1ng<\/strong><\/p>\n

————————————————–<\/p>\n

Kinh t\u1ebf & \u0110\u00f4 th\u1ecb (Kinh t\u1ebf) 11-3-2016:<\/em><\/strong><\/p>\n

http:\/\/www.kinhtedothi.vn\/kinh-te\/thi-truong-tai-chinh\/2016\/03\/8103295a\/ngan-hang-lam-kho-nguoi-vay\/<\/em><\/a><\/p>\n

(279\/1.239)","protected":false},"excerpt":{"rendered":"

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