{"id":21097,"date":"2015-10-26T10:41:53","date_gmt":"2015-10-26T03:41:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21097"},"modified":"2022-05-13T15:45:30","modified_gmt":"2022-05-13T08:45:30","slug":"871-vay-von-tai-chinh-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/871-vay-von-tai-chinh-tieu-dung\/","title":{"rendered":"871. Vay v\u1ed1n t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng"},"content":{"rendered":"(DT) – Giao l\u01b0u v\u1edbi b\u1ea1n \u0111\u1ecdc B\u00e1o D\u00e2n tr\u00ed 14-16h ng\u00e0y 26-10-2015:<\/em><\/strong><\/i><\/b><\/p>\n

\"\"<\/p>\n

\u0110\u00e0o Duy Xu\u00e2n – Nam 27 tu\u1ed5i<\/strong><\/p>\n

C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 g\u00ec gi\u1ed1ng v\u00e0 kh\u00e1c?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng c\u00f2n c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n, kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1 nh\u00e2n.<\/p>\n

Nguy\u1ec5n Gia Anh – Nam 42 tu\u1ed5i<\/strong><\/p>\n

T\u00f4i c\u00f3 m\u1ed9t v\u1ea5n \u0111\u1ec1 mong \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n gi\u00fap. Tr\u01b0\u1edbc t\u00f4i c\u00f3 \u0111\u1ee9ng t\u00ean gi\u00fap ng\u01b0\u1eddi th\u00e2n vay v\u1ed1n. Ng\u01b0\u1eddi th\u00e2n c\u1ee7a t\u00f4i c\u0169ng t\u1ea5t to\u00e1n xong h\u1ebft r\u1ed3i. Theo t\u00f4i bi\u1ebft trong qu\u00e1 tr\u00ecnh thanh to\u00e1n n\u1ee3 c\u0169ng c\u00f3 thanh to\u00e1n ch\u1eadm m\u1ed9t v\u00e0i l\u1ea7n. Hi\u1ec7n t\u00f4i mu\u1ed1n vay v\u1ed1n l\u1ea1i nh\u01b0ng kh\u00f4ng bi\u1ebft c\u00f3 vay \u0111\u01b0\u1ee3c kh\u00f4ng? T\u00f4i c\u00f3 th\u1ec3 ki\u1ec3m tra l\u1ecbch s\u1eed t\u00edn d\u1ee5ng b\u1eb1ng c\u00e1ch n\u00e0o? T\u00f4i xin c\u1ea3m \u01a1n.<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

Tr\u1ea3 l\u1eddi: Vi\u1ec7c thanh to\u00e1n ch\u1eadm tr\u1ec5 s\u1ebd l\u00e0m t\u0103ng cao nguy c\u01a1 tr\u1edf th\u00e0nh nh\u00f3m n\u1ee3 x\u1ea5u. C\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 nh\u00f3m n\u1ee3 x\u1ea5u s\u1ebd kh\u00f4ng th\u1ec3 vay \u1edf ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c trong v\u00f2ng 5 n\u0103m.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n, b\u1ea1n c\u1ea7n li\u00ean h\u1ec7 b\u00ean cho vay v\u00ec b\u00ean cho vay m\u1edbi l\u01b0u h\u1ed3 s\u01a1 v\u00e0 qu\u1ea3n l\u00fd chi ti\u1ebft kho\u1ea3n vay c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 ki\u1ec3m tra l\u1ecbch s\u1eed tr\u00ean CIC. B\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi t\u1ed5 ch\u1ee9c b\u1ea1n \u0111\u00e3 vay \u0111\u1ec3 c\u00f3 th\u1ec3 ki\u1ec3m tra gi\u00fap b\u1ea1n.<\/p>\n

nguy\u00eanx anh toan – Nam 42 tu\u1ed5i<\/strong><\/p>\n

Hai v\u1ee3 ch\u1ed3ng t\u00f4i \u0111\u1ec1u l\u00e0 gi\u00e1o vi\u00ean, l\u01b0\u01a1ng c\u1ea3 2 \u0111\u01b0\u1ee3c 11tr. Hi\u1ec7n nay v\u1eabn ph\u1ea3i thu\u00ea nh\u00e0 \u1edf. S\u1ed1ng r\u1ea5t t\u1eb1n ti\u1ec7n. Nu\u00f4i 2 con 10~12 tu\u1ed5i. V\u1edbi m\u1ee9c l\u01b0\u01a1ng nh\u01b0 v\u1eady xin h\u1ecfi ch\u00fang t\u00f4i c\u00f3 kh\u1ea3 n\u0103ng vay g\u00f3i 30 nghin t\u1ef7 \u0111\u1ec3 mua nh\u00e0 thu nh\u1eadp th\u1ea5p kh\u00f4ng? \u0110\u01b0\u1ee3c th\u00ec vay \u1edf ng\u00e2n h\u00e0ng n\u00e0o.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

N\u1ebfu thu nh\u1eadp c\u1ee7a c\u1ea3 2 v\u1ee3 ch\u1ed3ng \u0111\u1ec1u kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 9 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng\/ng\u01b0\u1eddi v\u00e0 ch\u01b0a c\u00f3 nh\u00e0 \u1edf ho\u1eb7c nh\u00e0 \u1edf d\u01b0\u1edbi 8m2\/ng\u01b0\u1eddi th\u00ec c\u00f3 th\u1ec3 vay g\u00f3i h\u1ed7 tr\u1ee3 30.000 t\u1ef7 \u0111\u1ed3ng. Hi\u1ec7n nay c\u00f3 h\u01a1n ch\u1ee5c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c tham gia cho vay g\u00f3i n\u00e0y.<\/p>\n

luu kimchi – N\u1eef 54 tu\u1ed5i<\/strong><\/p>\n

Nh\u00e0 t\u00f4i \u1edf H\u00e0 N\u1ed9i hi\u1ec7n \u0111ang \u0111i thu\u00ea nh\u00e0 hi\u1ec7n t\u00f4i mu\u1ed1n vay \u0111\u1ec3 mua \u0111\u1ea5t, kho\u1ea3ng 300 tri\u1ec7u, trong khi l\u01b0\u01a1ng c\u00f3 3 tri\u1ec7u h\u1ecfi c\u00f3 vay \u0111\u01b0\u1ee3c kh\u00f4ng? N\u1ebfu \u0111\u01b0\u1ee3c th\u00ec t\u00f4i ph\u1ea3i l\u00e0m g\u00ec?<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

N\u1ebfu b\u1ea1n ch\u1ee9ng minh \u0111\u01b0\u1ee3c c\u00f3 th\u00eam c\u00e1c ngu\u1ed3n thu nh\u1eadp kh\u00e1c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o sinh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay th\u00ec s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay.<\/p>\n

L\u01b0u Ng\u1ecdc \u00c1nh – Nam 30 tu\u1ed5i<\/strong><\/p>\n

Em th\u1ea5y ki\u1ec3u vay v\u1ed1n n\u00e0y r\u1ea5t \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p g\u00ec c\u1ea3, em r\u1ea5t mu\u1ed1n vay nh\u01b0ng e l\u1ea1i c\u00f3 b\u0103n kho\u0103n l\u00e0 v\u00ec em th\u1ea5y qu\u00e1 \u0111\u01a1n gi\u1ea3n… Th\u1ee9 2 n\u1eefa l\u00e0 n\u1ebfu vay nh\u01b0 v\u1eady th\u00ec s\u1ef1 r\u00e0ng bu\u1ed9c c\u1ee7a m\u00ecnh v\u1edbi ng\u00e2n h\u00e0ng ngo\u00e0i c\u00f4ng n\u1ee3 ph\u1ea3i tr\u1ea3 ra th\u00ec c\u00f2n ph\u1ea3i ch\u1ecbu g\u00ec n\u1eefa kh\u00f4ng? Em c\u1ea3m \u01a1n<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

Tr\u1ea3 l\u1eddi: \u0110\u1ed1i v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh, th\u1ee7 t\u1ee5c vay \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng, thu\u1eadn ti\u1ec7n nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng mua nh\u1eefng s\u1ea3n ph\u1ea9m ti\u00eau d\u00f9ng m\u1ed9t c\u00e1ch ti\u1ec7n l\u1ee3i v\u00e0 nhanh ch\u00f3ng.<\/p>\n

Anh Th\u00f4ng – Nam 28 tu\u1ed5i<\/strong><\/p>\n

Khi vay ti\u00eau d\u00f9ng, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00f4i hi\u1ec3u c\u00e1c thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh? T\u00f4i c\u00f3 c\u1ea7n \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n kho\u1ea3n vay kh\u00f4ng, hay ch\u1ec9 c\u1ea7n quan t\u00e2m m\u1ee9c tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng l\u00e0 \u0111\u01b0\u1ee3c r\u1ed3i?<\/em><\/p>\n

\u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

Th\u00e2n ch\u00e0o anh Th\u00f4ng,<\/p>\n

V\u1edbi l\u1ee3i th\u1ebf kho\u1ea3n ti\u1ec1n vay c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf, ch\u1ec9 t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ebfn v\u00e0i ch\u1ee5c tri\u1ec7u, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 \u0111\u01a1n gi\u1ea3n v\u00e0 th\u1eddi gian gi\u1ea3i ng\u00e2n nhanh ch\u00f3ng, vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p \u0111\u01b0\u1ee3c \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 thu nh\u1eadp trung b\u00ecnh v\u00e0 th\u1ea5p s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh trong th\u1eddi gian g\u1ea7n \u0111\u00e2y.<\/p>\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00e0o c\u0169ng quen thu\u1ed9c v\u1edbi c\u00e1c thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh khi l\u00e0m h\u1ed3 s\u01a1 y\u00eau c\u1ea7u kho\u1ea3n vay. Hi\u1ec7n nay, n\u00e2ng cao nh\u1eadn th\u1ee9c cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00f3i chung v\u1ec1 t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ph\u1ed5 bi\u1ebfn kh\u00f4ng ch\u1ec9 ri\u00eang Vi\u1ec7t Nam m\u00e0 c\u00f2n t\u1ea1i c\u00e1c qu\u1ed1c gia kh\u00e1c tr\u00ean th\u1ebf gi\u1edbi. \u1ede n\u01b0\u1edbc ta, k\u00eanh t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1eabn \u0111ang trong giai \u0111o\u1ea1n s\u01a1 khai v\u00e0 90 – 95% kh\u00e1ch h\u00e0ng l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng m\u1edbi \u2013 nh\u1eefng ng\u01b0\u1eddi tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u1ea7n \u0111\u1ea7u ti\u00ean. Nh\u1eefng tr\u1edf ng\u1ea1i v\u1ec1 ki\u1ebfn th\u1ee9c n\u00e0y n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c quan t\u00e2m \u0111\u00fang \u0111\u1eafn c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t s\u1ed1 ng\u01b0\u1eddi d\u00e2n ng\u1ea7n ng\u1ea1i khi ti\u1ebfp c\u1eadn v\u1edbi vay ti\u00eau d\u00f9ng v\u00e0 d\u1eabn \u0111\u1ebfn nh\u1eefng khi\u1ebfu n\u1ea1i, tranh lu\u1eadn \u0111\u00e1ng ti\u1ebfc sau n\u00e0y gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 b\u00ean cho vay. V\u00ec v\u1eady, ng\u01b0\u1eddi vay c\u1ea7n n\u1eafm v\u1eefng c\u00e1c thu\u1eadt ng\u1eef v\u00e0 kh\u00e1i ni\u1ec7m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng khi vay ti\u00eau d\u00f9ng.<\/p>\n

Th\u1ef1c t\u1ebf, khi v\u01b0\u1edbng ph\u1ea3i b\u1ea5t k\u1ef3 th\u1eafc m\u1eafc n\u00e0o trong qu\u00e1 tr\u00ecnh th\u1ecfa thu\u1eadn \u0111\u1ec3 \u0111\u01b0\u1ee3c vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n, bao g\u1ed3m c\u1ea3 thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp gi\u1ea3ng gi\u1ea3i \u0111\u1ec3 hi\u1ec3u r\u00f5 nh\u1eefng n\u1ed9i dung m\u00ecnh s\u1ebd \u0111\u1eb7t b\u00fat k\u00fd. Ngo\u00e0i ra, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m n\u00e2ng cao ki\u1ebfn th\u1ee9c cho kh\u00e1ch h\u00e0ng, minh b\u1ea1ch h\u00f3a c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 h\u1ed7 tr\u1ee3 ki\u1ebfn th\u1ee9c v\u1ec1 vay t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng qua c\u00e1c k\u00eanh nh\u01b0: \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n t\u00edn d\u1ee5ng, ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng chuy\u00ean nghi\u1ec7p; website cung c\u1ea5p c\u00e1c ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u00e0 nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p khi vay ti\u00eau d\u00f9ng\u2026<\/p>\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 tham kh\u1ea3o m\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh th\u01b0\u1eddng g\u1eb7p nh\u01b0 sau:<\/p>\n

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  • Kho\u1ea3n vay mua h\u00e0ng gia d\u1ee5ng: l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh cho B\u00ean Vay vay \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n mua h\u00e0ng gia d\u1ee5ng cho B\u00ean B\u00e1n.<\/li>\n
  • Kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc: l\u00e0 kho\u1ea3n ti\u1ec1n m\u1eb7t do B\u00ean Vay tr\u1ea3 tr\u01b0\u1edbc cho B\u00ean B\u00e1n t\u1ea1i th\u1eddi \u0111i\u1ec3m mua H\u00e0ng H\u00f3a.<\/li>\n
  • S\u1ed1 ti\u1ec1n vay c\u00f2n l\u1ea1i: c\u00f3 ngh\u0129a l\u00e0 t\u1ea1i b\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o, m\u1ed9t ph\u1ea7n S\u1ed1 Ti\u1ec1n Vay m\u00e0 B\u00ean Vay ch\u01b0a thanh to\u00e1n \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111\u00f3.<\/li>\n
  • L\u1ecbch tr\u1ea3 n\u1ee3: l\u00e0 b\u1ea3n th\u00f4ng tin gi\u00fap B\u00ean Vay bi\u1ebft \u0111\u01b0\u1ee3c kho\u1ea3n tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng v\u00e0 ng\u00e0y thanh to\u00e1n h\u00e0ng th\u00e1ng.<\/li>\n<\/ul>\n

    Tr\u01b0\u1edbc khi k\u00fd x\u00e1c nh\u1eadn c\u00e1c cam k\u1ebft \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng, kh\u00e1ch h\u00e0ng c\u1ea7n quan t\u00e2m \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o hi\u1ec3u r\u00f5 c\u00e1c quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c n\u00eau. Ch\u00fang t\u00f4i \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd b\u1ea1n 6 \u0111i\u1ec3m then ch\u1ed1t c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 l\u00e0: (1) s\u1ed1 ti\u1ec1n vay v\u00e0 c\u00e1ch th\u1ee9c gi\u1ea3i ng\u00e2n; (2) s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng; (3)m\u1ee9c l\u00e3i su\u1ea5t ti\u1ec1n vay; (4) ph\u01b0\u01a1ng th\u1ee9c t\u00ednh to\u00e1n thu l\u00e3i ti\u1ec1n vay theo to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 g\u1ed1c su\u1ed1t th\u1eddi gian vay hay theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n; (5) m\u1ee9c ph\u00ed ph\u1ea1t ch\u1eadm tr\u1ea3; (6) m\u1ee9c ph\u00ed ph\u1ea3i tr\u1ea3 khi t\u1ea5t to\u00e1n h\u1ee3p \u0111\u1ed3ng vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n.<\/p>\n

    Ngo\u00e0i ra b\u1ea1n xem th\u00eam quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean vay v\u00e0 b\u00ean cho vay\u2026 C\u00e0ng hi\u1ec3u bi\u1ebft th\u1ea5u \u0111\u00e1o v\u1ec1 h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi d\u00e2n s\u1ebd c\u00e0ng an t\u00e2m h\u01a1n khi vay v\u00e0 qua \u0111\u00f3, s\u1eed d\u1ee5ng vay ti\u00eau d\u00f9ng tr\u1ea3 g\u00f3p nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 nh\u1ea5t.<\/p>\n

    Ho\u00e0ng Tu\u1ea5n – Nam 32 tu\u1ed5i<\/strong><\/p>\n

    Cho t\u00f4i h\u1ecfi l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o? N\u1ebfu t\u00f4i tr\u1ea3 \u0111\u01b0\u1ee3c tr\u01b0\u1edbc h\u1ea1n c\u00f3 b\u1ecb ph\u1ea1t kh\u00f4ng?<\/em><\/p>\n

    \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

    Tr\u1ea3 l\u1eddi: L\u00e3i su\u1ea5t vay d\u1ef1a tr\u00ean r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, s\u1ed1 ti\u1ec1n vay k\u1ef3 h\u1ea1n vay v\u00e0 v\u00e0i y\u1ebfu t\u1ed1 kh\u00e1c n\u1ebfu c\u00f3 trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh.<\/p>\n

    N\u1ebfu tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu tr\u1ea3 ph\u00ed thanh l\u00fd h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc th\u1eddi h\u1ea1n.<\/p>\n

    \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng – Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON t\u1ea1i cu\u1ed9c giao l\u01b0u tr\u1ef1c tuy\u1ebfn c\u00f9ng \u0111\u1ed9c gi\u1ea3i D\u00e2n tr\u00ed<\/p>\n

    Nguy\u1ec5n Vi\u1ebft Th\u1eafng – Nam 60 tu\u1ed5i<\/strong><\/p>\n

    T\u00f4i ch\u01b0a vay song th\u1ea5y con t\u00f4i n\u00f3i r\u1ea5t kh\u00f3, v\u00ec qu\u1ea3ng c\u00e1o l\u00e0 v\u1eady xong th\u1ee7 t\u1ee5c ru\u1eddm r\u00e0 l\u1eafm. V\u1eady th\u1ee7 tuc g\u1ed3m nh\u1eefng g\u00ec c\u00f3 th\u1ec3 c\u00f4ng khai cho m\u1ecdi c\u00f4ng d\u00e2n bi\u1ebft r\u1ed9ng r\u00e3i kh\u00f4ng?<\/em><\/p>\n

    \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

    Tr\u1ea3 l\u1eddi: V\u1ec1 ph\u00eda c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u1ed3 s\u01a1, th\u1ee7 t\u1ee5c\u00a0s\u1ebd\u00a0\u0111\u01a1n gi\u1ea3n h\u01a1n.\u00a0\u0110a s\u1ed1 kho\u1ea3n vay, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n cung c\u1ea5p\u00a0b\u1ea3n sao ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 kh\u1ea9u v\u00e0 kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p. N\u1ebfu b\u1ea1n vay d\u01b0\u1edbi 10 tri\u1ec7u \u0111\u1ed3ng ch\u1ec9 c\u1ea7n cung c\u1ea5p b\u1ea3n sao ch\u1ee9ng minh nh\u00e2n d\u00e2n v\u00e0 gi\u1ea5y ph\u00e9p l\u00e1i xe. V\u1edbi HD SAISON, \u0111a s\u1ed1 kho\u1ea3n vay \u0111\u01b0\u1ee3c duy\u1ec7t trong v\u00f2ng 30 ph\u00fat.<\/p>\n

    H\u1ed3 V\u0103n Trung – Nam 37 tu\u1ed5i<\/strong><\/p>\n

    m\u1ee9c cho vay t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau? th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 t\u1ed1i \u0111a? tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc th\u1eddi h\u1ea1n th\u00ec c\u00f3 ph\u1ea3i ch\u1ecbu m\u1ee9c ph\u1ea1t n\u00e0o kh\u00f4ng?<\/em><\/p>\n

    Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

    Ph\u00e1p lu\u1eadt kh\u00f4ng h\u1ea1n ch\u1ebf m\u1ee9c cho vay t\u1ed1i \u0111a (tr\u1eeb kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n an to\u00e0n v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) v\u00e0 th\u1eddi h\u1ea1n vay. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t trong th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft (c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u1eddng g\u1ecdi l\u00e0 ph\u00ed tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n). C\u00e1c m\u1ee9c vay, th\u1eddi h\u1ea1n, m\u1ee9c ph\u00ed… c\u1ee5 th\u1ec3 do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh v\u00e0 tho\u1ea3 thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

    Phan Ng\u1ecdc T\u00e2n – Nam 50 tu\u1ed5i<\/strong><\/p>\n

    Em c\u00f3 vay mua \u0111i\u1ec7n tho\u1ea1i tr\u1ea3 g\u00f3p t\u1ea1i PPF nh\u01b0ng c\u00f3 thanh to\u00e1n ch\u1eadm 1 v\u00e0i l\u1ea7n c\u00f3 d\u1eabn t\u1edbi b\u1ecb ph\u1ea1t. Xin cho em h\u1ecfi, vi\u1ec7c thanh to\u00e1n ch\u1eadm tr\u1ec5 \u0111\u00f3 em c\u00f3 b\u1ecb r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u kh\u00f4ng? N\u1ebfu b\u1ecb r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u \u0111i\u1ec1u \u0111\u00f3 c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn kh\u1ea3 n\u0103ng vay v\u1ed1n c\u1ee7a em v\u00e0 ng\u01b0\u1eddi th\u00e2n sau n\u00e0y kh\u00f4ng? Em xin c\u1ea3m \u01a1n.<\/em><\/p>\n

    \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

    Theo th\u00f4ng tin b\u1ea1n cung c\u1ea5p th\u00ec b\u1ea1n c\u00f3 mua tr\u1ea3 g\u00f3p v\u00e0 c\u00f3 \u0111\u00f3ng tr\u1ec5 v\u00e0 b\u1ecb ph\u1ea1t, tuy nhi\u00ean b\u1ea1n ch\u01b0a cho bi\u1ebft th\u1eddi gian ch\u1eadm tr\u1ea3 l\u00e0 bao l\u00e2u n\u00ean Ch\u00fang t\u00f4i r\u1ea5t kh\u00f3 \u0111\u1ec3 t\u01b0 v\u1ea5n b\u1ea1n chi ti\u1ebft. Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n, c\u1ea7n li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi b\u00ean PPF \u0111\u1ec3 ki\u1ec3m tra ch\u00ednh x\u00e1c b\u1ea1n c\u00f3 r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u hay n\u1ee3 nh\u00f3m m\u1ea5y tr\u00ean h\u1ec7 th\u1ed1ng ph\u00e2n lo\u1ea1i d\u01b0 n\u1ee3 cho vay t\u1ea1i CIC.<\/p>\n

    Ch\u00fang t\u00f4i xin \u0111\u01b0\u1ee3c l\u01b0u \u00fd gi\u00fap b\u1ea1n, kho\u1ea3n mua tr\u1ea3 g\u00f3p c\u0169ng x\u00e9t l\u00e0 kho\u1ea3n vay v\u1ed1n th\u00f4ng th\u01b0\u1eddng. N\u1ebfu trong qu\u00e1 tr\u00ecnh vay v\u1ed1n b\u1ea1n c\u00f3 thanh to\u00e1n ch\u1eadm v\u00e0i l\u1ea7n ho\u1eb7c th\u01b0\u1eddng xuy\u00ean qu\u00e1 h\u1ea1n th\u00ec c\u00f3 th\u1ec3 b\u1ecb \u0111\u00e1nh gi\u00e1 v\u00e0o n\u1ee3 nh\u00f3m 2 \u0111\u1ebfn nh\u00f3m 5 t\u00f9y thu\u1ed9c v\u00e0o th\u1eddi gian qu\u00e1 h\u1ea1n c\u1ee7a kho\u1ea3n vay m\u00e0 b\u1ea1n ch\u01b0a tr\u1ea3 n\u1ee3. V\u00ec khi vay v\u1ed1n t\u1ea1i Ng\u00e2n h\u00e0ng hay T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd cung c\u1ea5p cho CIC th\u00f4ng tin v\u1ec1 c\u00e1c kho\u1ea3n vay, t\u00ean ng\u01b0\u1eddi vay, v\u00e0 qu\u00e1 tr\u00ecnh thanh to\u00e1n kho\u1ea3n vay \u0111\u00f3. Sau \u0111\u00f3, CIC s\u1ebd t\u1ed5ng h\u1ee3p ch\u00fang th\u00e0nh m\u1ed9t c\u01a1 s\u1edf d\u1eef li\u1ec7u th\u1ed1ng nh\u1ea5t ph\u1ea3n \u00e1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n. Tr\u00ean h\u1ec7 th\u1ed1ng CIC, d\u01b0 n\u1ee3 c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o 1 trong 5 nh\u00f3m sau:<\/p>\n

      \n
    • Nh\u00f3m 1: D\u01b0 n\u1ee3 \u0111\u1ee7 ti\u00eau chu\u00e2\u0309n (l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u00fang th\u1eddi h\u1ea1n. Nh\u01b0ng n\u00ea\u0301u qu\u00e1 h\u1ea1n t\u1eeb 1 \u0111\u00ea\u0301n d\u01b0\u1edbi 10 ng\u00e0y, v\u00e2\u0303n n\u1eb1m trong nh\u00f3m \u0111\u1ee7 ti\u00eau chu\u00e2\u0309n nh\u01b0ng s\u1ebd b\u1ecb ph\u1ea1t l\u00e3i qu\u00e1 h\u1ea1n 150%)<\/li>\n
    • Nh\u00f3m 2: D\u01b0 n\u1ee3 c\u00e2\u0300n ch\u00fa \u00fd (l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 10 \u0111\u00ea\u0301n d\u01b0\u1edbi 90 ng\u00e0y)<\/li>\n
    • Nh\u00f3m 3: D\u01b0 n\u1ee3 d\u01b0\u1edbi ti\u00eau chu\u1ea9n (l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 90 \u0111\u1ebfn 180 ng\u00e0y)<\/li>\n
    • Nh\u00f3m 4: D\u01b0 n\u1ee3 c\u00f3 nghi ng\u1edd (l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n t\u1eeb 181 \u0111\u1ebfn 360 ng\u00e0y)<\/li>\n
    • Nh\u00f3m 5: D\u01b0 n\u1ee3 c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t v\u1ed1n (l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n tr\u00ean 360 ng\u00e0y)<\/li>\n<\/ul>\n

      L\u01b0u \u00fd: Nh\u00f3m 1 t\u00f9y t\u1eebng m\u1ee9c \u0111\u1ed9 tr\u1ea3 qu\u00e1 h\u1ea1n c\u00f3 th\u01b0\u1eddng xuy\u00ean hay kh\u00f4ng. N\u1ebfu x\u1ea3y ra th\u01b0\u1eddng xuy\u00ean v\u00e0 li\u00ean t\u1ee5c ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng thanh to\u00e1n kh\u00f4ng t\u1ed1t th\u00ec c\u00f3 th\u1ec3 tr\u1ea3 ch\u1eadm t\u1eeb 5->7 ng\u00e0y c\u0169ng c\u00f3 th\u1ec3 r\u01a1i v\u00e0o n\u1ee3 nh\u00f3m 2.<\/p>\n

      Ranh gi\u1edbi gi\u1eefa nh\u00f3m 1 v\u00e0 nh\u00f3m 2 c\u0169ng c\u00f3 th\u00ea\u0309 d\u00ea\u0303 chuy\u00ea\u0309n sang nh\u00f3m n\u1ee3 x\u00e2\u0301u l\u00e0 nh\u00f3m 3 ho\u1eb7c nh\u00f3m 4 hay nh\u00f3m 5. Do \u0111\u00f3, t\u00f9y theo kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a m\u1ed7i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 s\u1ebd c\u00f3 c\u1ea3m nh\u1eadn (\u0111\u1ecbnh t\u00ednh) kh\u00e1c nhau. N\u00f3i nh\u01b0 v\u1eady, ranh gi\u1edbi gi\u1eefa c\u00e1c nh\u00f3m n\u1ee3 c\u0169ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y m\u1ee9c \u0111\u1ed9 c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng v\u00e0 s\u1ef1 \u0111\u00e1nh gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c cho vay \u0111\u00f3, ch\u1ee9 kh\u00f4ng h\u1eb3n nh\u01b0 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 s\u1ed1 ng\u00e0y qu\u00e1 h\u1ea1n c\u1ee7a c\u00e1c nh\u00f3m n\u1ee3 n\u00eau tr\u00ean.<\/p>\n

      B\u1ea1n c\u1ea7n li\u00ean h\u1ec7 v\u1edbi t\u1ed5 ch\u1ee9c cho vay \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 chi ti\u1ebft. Ri\u00eang \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u00e2n c\u1ee7a b\u1ea1n, n\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 v\u1ee3 ho\u1eb7c ch\u1ed3ng, th\u00ec khi h\u1ecd \u0111i vay v\u1ed1n s\u1ebd kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n.<\/p>\n

      Nguy\u1ec5n V\u0103n Kh\u00e1nh – Nam 31 tu\u1ed5i<\/strong><\/p>\n

      V\u1eady c\u1ee5 th\u1ec3 nh\u1eefng l\u1ee3i \u00edch m\u00e0 cho vay ti\u00eau d\u00f9ng mang l\u1ea1i l\u00e0 g\u00ec?<\/em><\/p>\n

      \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

      Th\u1ee9 nh\u1ea5t, cho vay ti\u00eau d\u00f9ng n\u00e2ng cao c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh hay nh\u00f3m kh\u00e1ch h\u00e0ng \u201cd\u01b0\u1edbi chu\u1ea9n\u201d th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i truy\u1ec1n th\u1ed1ng, g\u00f3p ph\u1ea7n gi\u00fap nh\u00f3m d\u00e2n c\u01b0 \u201cb\u00ecnh d\u00e2n\u201d t\u00edch l\u0169y \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n, c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng v\u00e0 gia t\u0103ng c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i.<\/p>\n

      Th\u1ee9 hai, g\u00f3p ph\u1ea7n gia t\u0103ng s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng m\u1edbi, t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 \u00edt ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. T\u1eeb \u0111\u00f3, gi\u00fap h\u1ecd qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, c\u0169ng nh\u01b0 t\u1ea1o n\u1ec1n t\u1ea3ng \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

      Th\u1ee9 ba, cho vay ti\u00eau d\u00f9ng l\u00e0m gi\u1ea3m nhu c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng phi ch\u00ednh th\u1ee9c, h\u1ea1n ch\u1ebf cho vay n\u1eb7ng l\u00e3i, \u201ct\u00edn d\u1ee5ng \u0111en\u201d.<\/p>\n

      Th\u1ee9 t\u01b0, \u0111\u00e2y c\u0169ng \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t k\u00eanh quan tr\u1ecdng l\u00e0m k\u00edch c\u1ea7u ti\u00eau d\u00f9ng. Qua \u0111\u00f3 l\u00e0m t\u0103ng s\u1ea3n l\u01b0\u1ee3ng v\u00e0 t\u1ea1o th\u00eam c\u00e1c c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m, \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf c\u1ee7a qu\u1ed1c gia.<\/p>\n

      Cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c hi\u1ec7n r\u1ea5t ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi. T\u1ea1i Vi\u1ec7t Nam, d\u00f9 ch\u1ec9 m\u1edbi ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd trong m\u1ed9t v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, s\u1ed1 li\u1ec7u g\u1ea7n nh\u1ea5t c\u1ee7a NHNN cho bi\u1ebft n\u00f3 chi\u1ebfm kho\u1ea3ng 8% t\u1ed5ng d\u01b0 n\u1ee3 cho vay n\u1ec1n kinh t\u1ebf, v\u00e0 cho th\u1ea5y ti\u1ec1m n\u0103ng c\u1ee7a n\u00f3 trong t\u01b0\u01a1ng lai l\u00e0 r\u1ea5t l\u1edbn. Tuy nhi\u00ean, cho vay ti\u00eau d\u00f9ng ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn c\u00e1i nh\u00ecn kh\u00e1ch quan t\u1eeb ng\u01b0\u1eddi d\u00e2n v\u00e0 x\u00e3 h\u1ed9i do l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t cho vay kinh doanh. S\u1ef1 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n n\u00e0o c\u0169ng c\u00f3 c\u00e1i l\u00fd c\u1ee7a n\u00f3 v\u00e0 \u0111\u1ec3 hi\u1ec3u t\u1ea1i sao l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng cao.<\/p>\n

      Hi\u1ec7n nay, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u1ec1 l\u0129nh v\u1ef1c n\u00e0y \u0111ang r\u1ea5t n\u1ed7 l\u1ef1c \u0111\u1ec3 c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng v\u1edbi hai m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay v\u00e0 \u0111\u1ed3ng th\u1eddi th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh, cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

      Ho\u00e0ng V\u0103n Tu\u00e2n – Nam 67 tu\u1ed5i<\/strong><\/p>\n

      Ch\u1ed3ng t\u00f4i cho em trai m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf v\u00e0 gi\u1edd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Gi\u1edd v\u1ee3 ch\u1ed3ng t\u00f4i mu\u1ed1n vay v\u1ed1n t\u00edn ch\u1ea5p th\u00ec c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng g\u00ec kh\u00f4ng? Xin c\u1ea3m \u01a1n.<\/em><\/p>\n

      \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

      Tr\u01b0\u1edbc h\u1ebft, v\u00ec b\u1ea1n kh\u00f4ng \u0111\u1ec1 c\u1eadp r\u00f5 v\u1ec1 kho\u1ea3n vay m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n \u0111\u00f3 \u0111\u1ee9ng t\u00ean ai n\u00ean t\u00f4i s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 t\u1eebng tr\u01b0\u1eddng h\u1ee3p:<\/p>\n

      Hi\u1ec7n nay c\u00e1c Ng\u00e2n h\u00e0ng, khi cho vay\u00a0\u00a0h\u1ecd s\u1ebd xem x\u00e9t l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh c\u00f3 cho b\u1ea1n vay hay kh\u00f4ng.<\/p>\n

        \n
      1. N\u1ebfu kho\u1ea3n vay \u0111\u1ee9ng t\u00ean b\u1ea1n ho\u1eb7c ch\u1ed3ng b\u1ea1n th\u00ec trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y b\u1ea1n kh\u00f4ng th\u1ec3 vay v\u1ed1n \u1edf Ng\u00e2n h\u00e0ng. V\u00ec kho\u1ea3n vay r\u01a1i v\u00e0o nh\u00f3m n\u1ee3 x\u1ea5u – N\u1ee3 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, c\u00e1c Ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ed7 tr\u1ee3 cho vay.<\/li>\n
      2. N\u1ebfu kho\u1ea3n vay \u0111\u1ee9ng t\u00ean em trai ch\u1ed3ng c\u1ee7a b\u1ea1n, nh\u01b0ng t\u00e0i s\u1ea3n mang \u0111i l\u00e0m b\u1ea3o \u0111\u1ea3m \u1edf Ng\u00e2n h\u00e0ng \u0111\u1ee9ng t\u00ean v\u1ee3 ch\u1ed3ng b\u1ea1n (v\u00ec s\u1ed5 \u0111\u1ecf quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u1ee9ng t\u00ean c\u1ea3 ch\u1ed3ng v\u00e0 v\u1ee3), trong tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 nh\u01b0 b\u1ea1n n\u00f3i th\u00ec x\u1ea3y ra 2 tr\u01b0\u1eddng h\u1ee3p:<\/li>\n<\/ol>\n
          \n
        • \u0110\u1ed1i v\u1edbi c\u00e1c Ng\u00e2n h\u00e0ng khi th\u1ea9m \u0111\u1ecbnh kh\u1ea3 n\u0103ng cho vay, n\u1ebfu h\u1ecd c\u00f3 x\u00e9t \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n v\u00e0 th\u1ea5y t\u00e0i s\u1ea3n \u0111\u00f3 \u0111\u00e3 g\u1eafn v\u1edbi kho\u1ea3n n\u1ee3 x\u1ea5u. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y vi\u1ec7c vay v\u1ed1n c\u1ee7a b\u1ea1n ch\u1eafc ch\u1eafn b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u00e0 r\u1ea5t kh\u00f3 \u0111\u1ec3 vay v\u1ed1n.<\/li>\n
        • \u1ede m\u1ed9t s\u1ed1 Ng\u00e2n h\u00e0ng, khi th\u1ea9m \u0111\u1ecbnh cho vay, n\u1ebfu h\u1ecd th\u1ea5y \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a b\u1ea1n t\u1ed1t (c\u00f3 \u0111\u1ecba ch\u1ec9 ch\u1ed7 \u1edf c\u1ee5 th\u1ec3, c\u00f3 vi\u1ec7c l\u00e0m \u0111\u1ec3 t\u1ea1o thu nh\u1eadp \u1ed5n \u0111\u1ecbnh \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3) th\u00ec c\u0169ng c\u00f3 th\u1ec3 h\u1ecd s\u1ebd ch\u1ea5p nh\u1eadn cho b\u1ea1n vay t\u00edn ch\u1ea5p m\u00e0 kh\u00f4ng qu\u00e1 coi tr\u1ecdng v\u00e0o t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y ng\u00e2n h\u00e0ng s\u1ebd r\u00e0ng bu\u1ed9c r\u1ea5t ch\u1eb7t ch\u1ebd v\u1ec1 chuy\u1ec3n thu nh\u1eadp qua t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng c\u1ee7a h\u1ecd.V\u00e0 m\u1ee9c vay ng\u00e2n h\u00e0ng h\u1ecd t\u00ednh to\u00e1n tr\u00ean c\u01a1 s\u1edf ti\u1ec1n l\u01b0\u01a1ng h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n.<\/li>\n<\/ul>\n

          Nguy\u1ec5n Huy\u1ec1n Thu – N\u1eef 36 tu\u1ed5i<\/strong><\/p>\n

          T\u00f4i l\u00e0 c\u00f4ng ch\u1ee9c nh\u00e0 n\u01b0\u1edbc, ch\u1ed3ng t\u00f4i l\u00e0m ngo\u00e0i. V\u1ee3 ch\u1ed3ng t\u00f4i thu nh\u1eadp kho\u1ea3ng g\u1ea7n 30 tri\u1ec7u\/th\u00e1ng. T\u00f4i mu\u1ed1n vay mua nh\u00e0. V\u1eady t\u00f4i n\u00ean ch\u1ecdn g\u00f3i vay v\u00e0 h\u00ecnh th\u1ee9c, ng\u00e2n h\u00e0ng n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a t\u00f4i.( T\u00f4i ph\u1ea3i chi ph\u00ed cho gia \u0111\u00ecnh kho\u1ea3ng 12 tri\u1ec7u\/th\u00e1ng r\u1ed1i)<\/em><\/p>\n

          Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

          Hi\u1ec7n nay, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u g\u00f3i vay mua nh\u00e0 nh\u01b0 cho vay thanh to\u00e1n h\u1ebft s\u1ed1 ti\u1ec1n nh\u00e0 ngay ho\u1eb7c tr\u1ea3 g\u00f3p trong nhi\u1ec1u n\u0103m theo ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u1edbi thu nh\u1eadp nh\u01b0 c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 vay \u0111\u1ec3 mua nh\u00e0 t\u1ea1i nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u1ea1n n\u00ean li\u00ean h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n.<\/p>\n

          NGUY\u1ec4N V\u0102N AN – Nam 35 tu\u1ed5i<\/strong><\/p>\n

          T\u1ea1i sao c\u00e1c t\u1ed5 ch\u1ee9c cho vay t\u00e0i ch\u00ednh kh\u00f4ng cho ng\u01b0\u1eddi trong l\u1ef1c l\u01b0\u01a1ng v\u0169 trang vay? v\u00ed d\u1ee5: CTTC PRUDETIAL… TPHCM<\/em><\/p>\n

          Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

          Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh h\u1ea1n ch\u1ebf \u0111\u1ed1i t\u01b0\u1ee3ng l\u1ef1c l\u01b0\u1ee3ng v\u0169 trong kh\u00f4ng \u0111\u01b0\u1ee3c vay. \u0110\u1ed1i v\u1edbi m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 c\u00f3 th\u1ec3 do c\u00f4ng ty t\u00e0i ch\u00ednh quy \u0111\u1ecbnh ri\u00eang.<\/p>\n

          Tr\u1ea7n V\u0103n Hu\u00e2n – Nam 40 tu\u1ed5i<\/strong><\/p>\n

          T\u00f4i mu\u1ed1n vay ti\u1ec1n \u0111\u1ec3 m\u1edf r\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 t\u00f4i kh\u00f4ng c\u00f3 thu\u1ebf ch\u1ea5p th\u00ec l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n ho\u1eb7c mu\u1ed1n vay ti\u1ec1n mua nh\u00e0 \u1edf th\u00ec vay theo c\u00e1ch n\u00e0o nhanh nh\u1ea5t?<\/em><\/p>\n

          \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

          N\u1ebfu b\u1ea1n mu\u1ed1n vay ti\u1ec1n \u0111\u1ec3 m\u1edf r\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh, theo t\u00f4i, b\u1ea1n n\u00ean t\u00ecm \u0111\u1ebfn m\u1ed9t Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 tr\u00ecnh b\u00e0y ph\u01b0\u01a1ng \u00e1n c\u1ee7a m\u00ecnh. Th\u00f4ng th\u01b0\u1eddng c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd ph\u1ea3i th\u1ea9m \u0111\u1ecbnh r\u1ea5t k\u1ef9 v\u1ec1 ph\u01b0\u01a1ng \u00e1n kinh doanh c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng t\u1ed1t v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng th\u00ec \u0111i\u1ec3m t\u00edch lu\u1ef9 c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng xem x\u00e9t cho vay t\u00edn ch\u1ea5p. Tuy nhi\u00ean, xin l\u01b0u \u00fd l\u00e0 b\u1ea1n ph\u1ea3i c\u00f3 quan h\u1ec7 r\u1ea5t “ru\u1ed9t” v\u1edbi ng\u00e2n h\u00e0ng v\u00ec ch\u1ec9 c\u00f3 v\u1eady h\u1ecd m\u1edbi hi\u1ec3u b\u1ea1n. Tr\u01b0\u1eddng h\u1ee3p l\u00e0 c\u00f4ng ty th\u00ec b\u1ea1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c doanh nghi\u1ec7p c\u1ee7a b\u1ea1n c\u00f3 l\u00e3i hai n\u0103m li\u1ec1n k\u1ec1 v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty b\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n ho\u1eb7c \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn c\u1ee7a c\u00e1c c\u01a1 quan thu\u1ebf (theo quy \u0111\u1ecbnh t\u1ea1i v\u0103n b\u1ea3n 1627 c\u1ee7a NHNN). C\u00f4ng ty b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t cho vay t\u00edn ch\u1ea5p. Tr\u01b0\u1eddng h\u1ee3p ch\u01b0a c\u00f3 l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng v\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m cao th\u00ec b\u1ea1n bu\u1ed9c ph\u1ea3i nh\u1edd ng\u01b0\u1eddi th\u00e2n ho\u1eb7c m\u1ed9t b\u00ean th\u1ee9 3 c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ee9ng ra b\u1ea3o \u0111\u1ea3m cho kho\u1ea3n vay c\u1ee7a m\u00ecnh.<\/p>\n

          Mu\u1ed1n vay ti\u1ec1n mua nh\u00e0 \u1edf c\u00e1c nhanh nh\u1ea5t b\u1ea1n h\u00e3y v\u00e0o trang web c\u1ee7a c\u00e1c NHTM \u0111ang c\u00f3 c\u00e1c g\u00f3i cho vay mua nh\u00e0 \u1edf th\u1ebf ch\u1ea5p b\u1eb1ng t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a c\u00e1c ch\u1ee7 d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. S\u1ea3n ph\u1ea9m cho vay n\u00e0y ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c ph\u1ea7n v\u1ed1n t\u1ef1 c\u00f3 \u0111\u00f3ng g\u00f3p mua nh\u00e0 theo t\u1eebng giai \u0111o\u1ea1n m\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 y\u00eau c\u1ea7u b\u00ean mua nh\u00e0 ph\u1ea3i thanh to\u00e1n, ph\u1ea7n c\u00f2n thi\u1ebfu ng\u00e2n h\u00e0ng s\u1ebd cho b\u1ea1n vay, \u0111\u01b0\u01a1ng nhi\u00ean, t\u1ef7 l\u1ec7 tham gia c\u1ee7a b\u1ea1n tu\u1ef3 theo y\u00eau c\u1ea7u c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng. Nh\u01b0 t\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft t\u1ed1i thi\u1ec3u b\u1ea1n ph\u1ea3i c\u00f3 20% v\u1ed1n t\u1ef1 c\u00f3 tham gia theo t\u1eebng \u0111\u1ee3t n\u1ed9p ti\u1ec1n cho ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

          Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u01b0\u01a1ng nhi\u00ean c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd y\u00eau c\u1ea7u b\u1ea1n k\u00fd k\u1ebft t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 c\u0103n h\u1ed9 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. \u0110\u1ebfn khi ch\u1ee7 \u0111\u1ea7u t\u01b0 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c b\u00e0n giao v\u00e0 l\u00e0m s\u1ed5 h\u1ed3ng th\u00ec ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfn h\u00e0nh ho\u00e0n thi\u1ec7n v\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 c\u0103n h\u1ed9 c\u1ee7a b\u1ea1n.<\/p>\n

          Nguy\u1ec5n Ng\u1ecdc Tu\u00e2n – Nam 35 tu\u1ed5i<\/strong><\/p>\n

          Xin h\u1ecfi c\u1ea7n c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh?<\/em><\/p>\n

          Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

          Hi\u1ec7n nay vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1 c\u1ee5 th\u1ec3 trong Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP ng\u00e0y 7\/5\/2014 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

          Nguy\u1ec5n v\u0103n d\u01b0\u01a1ng – Nam 32 tu\u1ed5i<\/strong><\/p>\n

          T\u00f4i vay ti\u00eau d\u00f9ng c\u00f3 ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n kh\u00f4ng v\u00e0 l\u00e3i su\u1ea5t l\u00e0 bao nhi\u00eau c\u0169ng nh\u01b0 h\u1ea1n m\u1ee9c vay l\u00e0 bao nhi\u00eau \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh?<\/em><\/p>\n

          Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

          Vi\u1ec7c y\u00eau c\u1ea7u ng\u01b0\u1eddi vay c\u00f3 th\u1ebf ch\u1ea5p hay kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 tu\u1ef3 t\u1eebng s\u1ea3n ph\u1ea9m cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t v\u00e0 h\u1ea1n m\u1ee9c r\u1ea5t kh\u00e1c nhau.<\/p>\n

          Nguy\u1ec5n \u0110\u00ecnh Tr\u00ed – Nam 53 tu\u1ed5i<\/strong><\/p>\n

          Vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00e1c v\u1edbi vay NHTM ra sao, \u0111\u01b0\u1ee3c vay \u1edf nh\u1eefng l\u0129nh v\u1ef1c n\u00e0o? t\u1ed1i \u0111a bao nhi\u00eau, th\u1eddi h\u1ea1n v\u00e0 c\u00e1ch tr\u1ea3, c\u00f3 c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng? Vay mua xe \u00f4 t\u00f4 \u0111\u01b0\u1ee3c ko?<\/em><\/p>\n

          \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

          Vay ti\u00eau d\u00f9ng \u1edf c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 c\u00e1c \u0111i\u1ec3m kh\u00e1c c\u0103n b\u1ea3n v\u1edbi vay ti\u00eau d\u00f9ng \u1edf c\u00e1c NHTM nh\u01b0 sau: Th\u1ee9 nh\u1ea5t l\u00e0 th\u1ee7 t\u1ee5c vay v\u1ed1n \u0111\u01a1n gi\u1ea3n, nhanh ch\u00f3ng, ch\u1ec9 c\u1ea7n c\u00f3 ch\u1ee9ng minh th\u01b0, s\u1ed5 h\u1ed9 kh\u1ea9u l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng xem x\u00e9t cho vay, trong khi vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u00ec c\u00e1c th\u1ee7 t\u1ee5c \u0111\u00f2i h\u1ecfi nhi\u1ec1u h\u01a1n nh\u01b0 ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, c\u00e1c kho\u1ea3n vay l\u1edbn ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Trong khi c\u00e1c c\u00f4ng ty cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

          Th\u1ee9 hai l\u00e0 v\u1ec1 m\u1ee9c cho vay, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e1p \u1ee9ng \u0111a d\u1ea1ng t\u1eeb m\u1ee9c nh\u1ecf l\u1ebb v\u00e0i tr\u0103m ngh\u00ecn, v\u00e0i tri\u1ec7u ho\u1eb7c l\u1edbn h\u01a1n trong khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng cho vay c\u00e1c kho\u1ea3n l\u1edbn.<\/p>\n

          Th\u1ee9 ba l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng vay v\u1ed1n, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e1p \u1ee9ng r\u1ed9ng r\u00e3i v\u1ec1 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m d\u00f9ng cho c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh, t\u1eeb nh\u1eefng s\u1ea3n ph\u1ea9m nh\u1ecf nh\u01b0 \u0111i\u1ec7n tho\u1ea1i, \u1ea5m \u0111i\u1ec7n, t\u1ee7 l\u1ea1nh… \u0111\u1ebfn nh\u1eefng s\u1ea3n ph\u1ea9m l\u1edbn nh\u01b0 mua nh\u00e0, s\u1eeda nh\u00e0, mua \u00f4 t\u00f4. Trong khi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng cho vay c\u00e1c kho\u1ea3n l\u1edbn h\u01a1n nh\u01b0 cho vay nh\u00e0 th\u1ebf ch\u1ea5p, s\u1eeda ch\u1eefa nh\u00e0, mua \u00f4 t\u00f4… C\u00f3 l\u1ebd s\u1ea3n ph\u1ea9m kh\u00e1 gi\u1ed1ng nhau gi\u1eefa hai b\u00ean l\u00e0 ph\u1ea7n vay ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

          Th\u1ee9 t\u01b0 l\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c NHTM.<\/p>\n

          V\u1ec1 m\u1ee9c cho vay t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau ti\u1ec1n hi\u1ec7n nay ch\u01b0a c\u00f3 quy \u0111\u1ecbnh ch\u00ednh th\u1ee9c n\u00e0o gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee9c t\u1ed1i \u0111a c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n vay ti\u00eau d\u00f9ng. V\u00ec v\u1eady, m\u1ee9c vay t\u1ed1i \u0111a ti\u00eau d\u00f9ng s\u1ebd c\u0103n c\u1ee9 v\u00e0o nhu c\u1ea7u c\u1ee7a b\u1ea1n, kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

          V\u1ec1 th\u1eddi h\u1ea1n vay do b\u1ea1n tho\u1ea3 thu\u1eadn v\u1edbi b\u00ean cho vay v\u00e0 c\u00f3 th\u1ec3 m\u1ed9t v\u00e0i th\u00e1ng nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 t\u1edbi 15 n\u0103m nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay.<\/p>\n

          V\u1ec1 c\u00e1ch th\u1ee9c tr\u1ea3 n\u1ee3: B\u1ea1n c\u0169ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1edbi b\u00ean cho vay tr\u1ea3 n\u1ee3 theo \u0111\u1ecbnh k\u1ef3 h\u00e0ng ng\u00e0y, h\u00e0ng th\u00e1ng ho\u1eb7c h\u00e0ng qu\u00fd, ho\u1eb7c 6 th\u00e1ng, 1 n\u0103m v\u1ec1 tr\u1ea3 n\u1ee3 g\u1ed1c. Ri\u00eang ph\u1ea7n tr\u1ea3 l\u00e3i th\u00ec b\u00ean cho vay th\u01b0\u1eddng \u0111\u01b0a ra y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng v\u00ec b\u00ean cho vay c\u0169ng ph\u1ea3i tr\u1ea3 l\u00e3i huy \u0111\u1ed9ng v\u1ed1n cho ng\u01b0\u1eddi g\u1eedi h\u00e0ng th\u00e1ng.<\/p>\n

          nguyenthanhli\u00eam – Nam 39 tu\u1ed5i<\/strong><\/p>\n

          T\u00f4i l\u00e0m t\u00e0i x\u1ebf t\u1ef1 do kh\u00f4ng h\u1ee3p \u0111\u1ed3ng lao \u0111\u00f4ng.kh\u00f4ng c\u00f3 ch\u1ee9ng minh thu nh\u1eadp. V\u1eady c\u00f3 \u0111\u01b0\u1ee3c vay kh\u00f4ng? T\u00f4i \u1edf TP.HCM.<\/em><\/p>\n

          Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

          Th\u00f4ng th\u01b0\u1eddng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u00eau c\u1ea7u ng\u01b0\u1eddi vay c\u1ea7n c\u00f3 h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa r\u00f5 r\u00e0ng, ch\u1ee9ng minh \u0111\u01b0\u1ee3c nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c ch\u1ea5p nh\u1eadn cho vay tr\u00ean c\u01a1 s\u1edf c\u0103n c\u1ee9 gi\u00e1n ti\u1ebfp nh\u01b0 ho\u00e1 \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 ch\u1ee9ng minh m\u1ee9c chi ph\u00ed th\u01b0\u1eddng xuy\u00ean v\u00e0 kh\u1ea3 n\u0103ng thu nh\u1eadp h\u00e0ng th\u00e1ng.<\/p>\n

          Qu\u1ed1c Kh\u00e1nh – Nam 55 tu\u1ed5i<\/strong><\/p>\n

            \n
          1. N\u00ean vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh h\u01a1n hay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng thu\u01a1ng m\u1ea1i h\u01a1n? 2. \u0110i\u1ec1u g\u00ec c\u1ea7n ch\u00fa \u00fd nh\u1ea5t trong b\u1ea3n h\u1ee3p \u0111\u1ed3ng vay? 3. N\u00ean vay th\u1eddi h\u1ea1n bao l\u00e2u th\u00ec h\u1ee3p l\u00fd v\u00e0 c\u00f3 l\u1ee3i nh\u1ea5t \u0111\u1ed1i v\u1edbi ngu\u1eddi vay?<\/em><\/li>\n<\/ol>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Th\u1ee9 nh\u1ea5t, vay \u1edf \u0111\u00e2u ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 thu\u1eadn ti\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 vi\u1ec7c ch\u1ea5p nh\u1eadn c\u01a1 ch\u1ebf, \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n. Vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd, ph\u1ee9c t\u1ea1p h\u01a1n n\u00ean l\u00e3i su\u1ea5t th\u01b0\u1eddng th\u1ea5p h\u01a1n so v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

            Khi vay ti\u00eau d\u00f9ng, c\u1ea7n ch\u00fa \u00fd v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t, c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 kh\u00e1c.<\/p>\n

            M\u1eb7t kh\u00e1c, th\u1eddi h\u1ea1n vay c\u00e0ng ng\u1eafn c\u00e0ng t\u1ed1t, n\u1ebfu vay d\u00e0i th\u00ec l\u00e3i su\u1ea5t s\u1ebd cao h\u01a1n v\u00e0 r\u1ee7i ro v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 tr\u1ea3 n\u1ee3 c\u0169ng l\u1edbn h\u01a1n. Tuy nhi\u00ean, c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

            Nguy\u1ec5n V\u0103n M\u1ea1nh – Nam 32 tu\u1ed5i<\/strong><\/p>\n

            N\u1ebfu 1 ng\u01b0\u1eddi trong gia \u0111\u00ecnh c\u00f3 r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u nh\u00f3m 4 th\u00ec c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong h\u1ed9 kh\u1ea9u c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng khi vay v\u1ed1n kh\u00f4ng? Xin c\u1ea3m \u01a1n.<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec kho\u1ea3n n\u1ee3 c\u1ee7a c\u00e1 nh\u00e2n n\u00e0y, kh\u00f4ng li\u00ean quan \u0111\u1ebfn kho\u1ea3n n\u1ee3 c\u1ee7a c\u00e1 nh\u00e2n kh\u00e1c trong gia \u0111\u00ecnh ho\u1eb7c c\u00f3 c\u00f9ng h\u1ed9 kh\u1ea9u, n\u1ebfu nh\u01b0 \u0111\u00f3 l\u00e0 c\u00e1c giao d\u1ecbch vay v\u1ed1n \u0111\u1ed9c l\u1eadp. Tuy nhi\u00ean, n\u1ebfu vi\u1ec7c vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u1ee7a h\u1ed9 gia \u0111\u00ecnh ho\u1eb7c c\u00e1c th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh c\u00f3 m\u1ed1i quan h\u1ec7 m\u1eadt thi\u1ebft v\u1edbi nhau nh\u01b0 v\u1ee3 ch\u1ed3ng ch\u1eb3ng h\u1ea1n, th\u00ec s\u1ebd b\u1ecb xem x\u00e9t, \u0111\u00e1nh gi\u00e1 chung, v\u00ec l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n

            Ta\u0323 Thi\u0323 Lan – N\u1eef 29 tu\u1ed5i<\/strong><\/p>\n

            Ta\u0323i sao vay ti\u00eau du\u0300ng la\u0303i su\u00e2\u0301t qua\u0301 cao nh\u01b0 v\u00e2\u0323y? Va\u0300 ta\u0323i sao b\u00ean t\u01b0 v\u00e2\u0301n cu\u0309a ng\u00e2n ha\u0300ng t\u01b0 v\u00e2\u0301n cho kh\u00e1ch la\u0303i su\u00e2\u0301t chi\u0309 la\u0300 1,7%\/tha\u0301ng nh\u01b0ng sau ky\u0301 h\u01a1\u0323p \u0111\u00f4\u0300ng thi\u0300 th\u01b0\u0323c thu l\u00e0 2,91%\/1 tha\u0301ng?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay SXKD, v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0: Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n; ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng h\u1ebft v\u00e0 tr\u1ea3 n\u1ee3 b\u1eb1ng ngu\u1ed3n kh\u00e1c, n\u00ean TCTD kh\u00f3 n\u1eafm b\u1eaft v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n; kho\u1ea3n vay th\u01b0\u1eddng nh\u1ecf, n\u00ean chi ph\u00ed cao; t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f3 x\u1eed l\u00fd, n\u00ean r\u1ee7i ro l\u1edbn;…<\/p>\n

            L\u00e3i su\u1ea5t ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng m\u1edbi l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 th\u1ef1c hi\u1ec7n. C\u00f2n m\u1ee9c l\u00e3i su\u1ea5t \u0111\u01b0a ra khi t\u01b0 v\u1ea5n c\u00f3 th\u1ec3 \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng ho\u1eb7c do th\u00f4ng tin t\u01b0 v\u1ea5n kh\u00f4ng ch\u00ednh x\u00e1c.<\/p>\n

            L\u00ea Nguy\u1ec5n Loan Ph\u01b0\u1ee3ng – N\u1eef 33 tu\u1ed5i<\/strong><\/p>\n

            Cho em h\u1ecfi, trong tr\u01b0\u1eddng h\u1ee3p em n\u1ee3 tr\u00ean 3 th\u00e1ng g\u00f3p th\u00ec b\u1ecb c\u00f4ng ty t\u00e0i ch\u00ednh chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u tr\u00ean h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, v\u1eady khi em tr\u1ea3 h\u1ebft ti\u1ec1n th\u00ec em c\u00f3 b\u1ecb n\u1ee3 x\u1ea5u n\u1eefa kh\u00f4ng? Trong tr\u01b0\u1eddng h\u1ee3p em thanh l\u00fd s\u1edbm em c\u00f3 em c\u00f3 \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i g\u00ec kh\u00f4ng? L\u00e0m sao em bi\u1ebft m\u00ecnh c\u00f2n n\u1ee3 x\u1ea5u v\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c n\u1ee3 x\u1ea5u nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            N\u1ebfu b\u1ea1n \u0111\u00e3 tr\u1ea3 h\u1ebft n\u1ee3 th\u00ec s\u1ebd kh\u00f4ng c\u00f2n n\u1ee3 x\u1ea5u n\u1eefa nh\u01b0ng trong l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng v\u1eabn b\u1ecb ghi nh\u1eadn l\u00e0 t\u1eebng c\u00f3 n\u1ee3 x\u1ea5u. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n thanh l\u00fd h\u1ee3p \u0111\u1ed3ng s\u1edbm th\u00ec s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 l\u00e3i theo th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft.<\/p>\n

            Tr\u01b0\u1eddng h\u1ee3p c\u00f3 n\u1ee3 x\u1ea5u s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00f4ng b\u00e1o v\u00e0 \u0111\u00f4n \u0111\u1ed1c. N\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 th\u00ec ch\u1ec9 c\u00f3 c\u00e1ch tr\u1ea3 \u0111\u00fang th\u1eddi h\u1ea1n m\u1edbi kh\u00f4ng b\u1ecb t\u00ednh l\u00e0 n\u1ee3 x\u1ea5u n\u1eefa.<\/p>\n

            Nguy\u1ec5n Xu\u00e2n L\u00e2m – Nam 29 tu\u1ed5i<\/strong><\/p>\n

            Em vay ti\u00eau d\u00f9ng m\u00e0 ng\u01b0\u1eddi t\u01b0 v\u1ea5n kh\u00f4ng n\u00f3i r\u00f5 l\u00e0 c\u00f3 hay kh\u00f4ng tham gia b\u1ea3o hi\u1ec3m v\u1edbi h\u1ee3p \u0111\u1ed3ng c\u0169ng kh\u00f4ng \u0111\u01b0a. Xin h\u1ecfi c\u00e1c l\u00e3nh \u0111\u1ea1o nh\u01b0 v\u1eady c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 do nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u00e3 kh\u00f4ng l\u00e0m \u0111\u00fang tr\u00e1ch nhi\u1ec7m cung c\u1ea5p \u0111\u1ee7 th\u00f4ng tin cho kh\u00e1ch h\u00e0ng. N\u1ebfu kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn k\u00ed h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m th\u00ec \u0111\u1ed3ng th\u1eddi ch\u1ea5p nh\u1eadn \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1eb7t ra. Tuy nhi\u00ean, n\u1ebfu l\u00e0m \u0111\u00fang th\u00ec c\u1ea7n ph\u1ea3i th\u1ec3 hi\u1ec7n r\u00f5 n\u1ed9i dung n\u00e0y trong qu\u00e1 tr\u00ecnh th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 ghi nh\u1eadn trong gi\u1ea5y t\u1edd giao d\u1ecbch gi\u1eefa 2 b\u00ean.<\/p>\n

            Ng\u00f4 Thanh Qu\u00fd – Nam 27 tu\u1ed5i<\/strong><\/p>\n

            Hi\u1ec7n nay, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng, vay mua s\u1eafm v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh r\u1ea5t nhi\u1ec1u t\u1ea1i sao kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t? C\u1ee5 th\u1ec3 c\u00f3 c\u00f4ng ty cho vay mua s\u1eafm b\u1eb1ng h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 40% \/ n\u0103m.<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cho vay v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 40%\/n\u0103m m\u00e0 kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t l\u00e0 v\u00ec h\u1ecd th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2, \u0111i\u1ec1u 91 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Th\u00f4ng t\u01b0 12 c\u1ee7a NHNN h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn trong cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. C\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn vi\u1ec7n d\u1eabn \u0111i\u1ec1u kho\u1ea3n t\u1ea1i B\u1ed9 Lu\u1eadt D\u00e2n s\u1ef1 \u0111\u1ec3 cho r\u1eb1ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ho\u1eb7c c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c cho vay v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 th\u00ec cho r\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 40%\/n\u0103m l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. C\u00e1c \u00fd ki\u1ebfn n\u00e0y kh\u00f4ng \u0111\u00fang v\u00ec theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt ban h\u00e0nh v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt th\u00ec c\u00e1c v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt c\u1ee7a c\u00f9ng m\u1ed9t c\u01a1 quan ban h\u00e0nh n\u1ebfu c\u00f3 quy \u0111\u1ecbnh c\u00f9ng v\u1ec1 m\u1ed9t v\u1ea5n \u0111\u1ec1 th\u00ec s\u1ebd \u00e1p d\u1ee5ng v\u0103n b\u1ea3n \u0111\u01b0\u1ee3c ban h\u00e0nh sau. Trong khi b\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i ban h\u00e0nh n\u0103m 2005, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua n\u0103m 2010 v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/1\/2011.<\/p>\n

            \u0110\u1ed7 Qu\u1ed1c An – Nam 40 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i l\u00e0 c\u00f4ng nh\u00e2n v\u1edbi m\u1ee9c thu nh\u1eadp kho\u1ea3ng 4 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, v\u1ee3 l\u00e0m c\u1eaft u\u1ed1n t\u00f3c. V\u1eady t\u00f4i mu\u1ed1n vay ti\u00eau d\u00f9ng nh\u01b0 ch\u01b0\u01a1ng tr\u00ecnh \u0111ang \u0111\u1ec1 c\u1eadp c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng, m\u1ee9c vay t\u1ed1i thi\u1ec3u v\u00e0 th\u1ee7 t\u1ee5c nh\u01b0 th\u1ebf n\u00e0o? Xin c\u00e1c chuy\u00ean gia gi\u1ea3i th\u00edch gi\u00fap t\u00f4i. T\u00f4i xin ch\u00e2n th\u00e0nh c\u1ea3m \u01a1n.<\/em><\/p>\n

            \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

            Tr\u1ea3 l\u1eddi: N\u1ebfu b\u1ea1n vay ti\u1ec1n m\u1eb7t, m\u1ee9c vay t\u1ed1i thi\u1ec3u l\u00e0 15 tri\u1ec7u. Th\u1ee7 t\u1ee5c ch\u1ec9 c\u1ea7n b\u1ea3n sao ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 kh\u1ea9u v\u00e0 th\u01b0 cam k\u1ebft t\u1eeb c\u00f4ng ty n\u01a1i b\u1ea1n l\u00e0m vi\u1ec7c. Khi b\u1ea1n vay th\u00ec nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng s\u1ebd cung c\u1ea5p chi ti\u1ebft th\u1ee7 t\u1ee5c.<\/p>\n

            \u0110\u1eadu Huy Chung – Nam 34 tu\u1ed5i<\/strong><\/p>\n

            Th\u1ee7 t\u1ee5c vay ti\u00eau d\u00f9ng c\u1ea7n nh\u1eefng g\u00ec? Ng\u00e2n h\u00e0ng n\u00e0o cho vay?<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n nay \u0111\u1ec1u cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.<\/p>\n

            V\u1ec1 th\u1ee7 t\u1ee5c, b\u1ea1n c\u1ea7n li\u00ean h\u1ec7 v\u1edbi c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng ho\u1eb7c b\u1ed9 ph\u1eadn h\u01b0\u1edbng d\u1eabn kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Tuy nhi\u00ean, c\u00f3 th\u1ec3 v\u1eafn t\u1eaft nh\u01b0 sau: B\u1ea1n ph\u1ea3i c\u00f3 ch\u1ee9ng minh th\u01b0 nh\u00e2n d\u00e2n, s\u1ed5 h\u1ed9 kh\u1ea9u \u0111\u1ec3 ch\u1ee9ng minh m\u00ecnh \u0111\u1ee7 n\u0103ng l\u1ef1c ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1 v\u00e0 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1. Hai l\u00e0 b\u1ea1n ph\u1ea3i \u0111\u1ec1 xu\u1ea5t r\u00f5 nhu c\u1ea7u vay ti\u00eau d\u00f9ng c\u1ee7a m\u00ecnh l\u00e0 \u0111\u1ec3 l\u00e0m g\u00ec. Ba l\u00e0 b\u1ea1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 t\u1eeb c\u00e1c ngu\u1ed3n thu nh\u1eadp c\u1ee7a m\u00ecnh. B\u1ed1n l\u00e0 n\u1ebfu c\u00e1c kho\u1ea3n vay l\u1edbn th\u00ec b\u1ea1n ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p…<\/p>\n

            Tr\u01b0\u1eddng h\u1ee3p b\u1ea1n vay ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng (vay t\u00edn ch\u1ea5p) b\u1ea1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp l\u01b0\u01a1ng h\u00e0ng th\u00e1ng c\u1ee7a m\u00ecnh.<\/p>\n

            V\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u00ec th\u1ee7 t\u1ee5c vay v\u1ed1n v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n h\u1ecd c\u00f3 nh\u1eefng chu\u1ea9n m\u1ef1c v\u1ec1 r\u1ee7i ro kh\u00e1 l\u00e0 kh\u1eaft khe, tu\u1ef3 v\u00e0o m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n

            Ri\u00eang \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00ec th\u1ee7 t\u1ee5c vay ti\u00eau d\u00f9ng l\u00e0 h\u1ebft s\u1ee9c \u0111\u01a1n gi\u1ea3n, b\u1ea1n ch\u1ec9 c\u1ea7n c\u00f3 ch\u1ee9ng minh th\u01b0, s\u1ed5 h\u1ed9 kh\u1ea9u ho\u1eb7c \u0111\u0103ng k\u00fd KT3 l\u00e0 c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c v\u1ed1n. N\u1ebfu b\u1ea1n c\u00e0ng c\u00f3 nhi\u1ec1u gi\u1ea5y t\u1edd ch\u1ee9ng minh v\u1ec1 c\u00f4ng \u0103n vi\u1ec7c l\u00e0m v\u00e0 thu nh\u1eadp \u0111\u1ec3 tr\u1ea3 n\u1ee3 th\u00ec n\u00f3 s\u1ebd l\u00e0 l\u1ee3i th\u1ebf \u0111\u1ec3 b\u1ea1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n khi vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

            Nguy\u1ec5n Ho\u00e0ng – Nam 25 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i c\u00f3 nhu c\u1ea7u mua ti\u00eau d\u00f9ng c\u00e1c s\u1ea3n ph\u1ea9m \u0111i\u1ec7n t\u1eed (v\u00ed d\u1ee5 nh\u01b0 smartphone) gi\u00e1 kho\u1ea3ng 15 tri\u1ec7u. T\u00f4i th\u1ea5y c\u00e1c c\u1ee7a h\u00e0ng \u0111i\u1ec7n tho\u1ea1i b\u00e2y gi\u1edd \u0111\u1ec1u c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i mua tr\u1ea3 g\u00f3p v\u1edbi l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn. V\u1eady vui l\u00f2ng cho t\u00f4i bi\u1ebft chi ti\u1ebft s\u1ef1 kh\u00e1c nhau v\u00e0 thi\u1ec7t h\u01a1n gi\u1eefa vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 mua tr\u1ea3 g\u00f3p trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a t\u00f4i. Xim c\u1ea3m \u01a1n!<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            Th\u1ef1c ra vay tr\u1ea3 g\u00f3p hay vay ti\u00eau d\u00f9ng \u0111\u1ec3 mua \u0111i\u1ec7n tho\u1ea1i \u0111\u00f3 l\u00e0 gi\u1ed1ng nhau. Tuy nhi\u00ean, th\u00f4ng tin m\u00e0 b\u1ea1n cung c\u1ea5p ch\u00fang t\u00f4i kh\u00f4ng th\u1ec3 n\u00f3i r\u00f5 thi\u1ec7t h\u01a1n trong t\u00ecnh hu\u1ed1ng n\u00e0y. B\u1ea1n c\u00f3 th\u1ec3 so s\u00e1nh theo c\u00e1ch sau:<\/p>\n

            – Gi\u00e1 c\u1ee7a smartphone b\u1ea1n tr\u1ea3 ngay b\u1eb1ng ti\u1ec1n m\u1eb7t th\u00ec gi\u00e1 l\u00e0 bao nhi\u00eau, tr\u01b0\u1eddng h\u1ee3p mua tr\u1ea3 g\u00f3p th\u00ec gi\u00e1 cu\u1ed1i c\u00f9ng c\u1ee7a n\u00f3 l\u00e0 bao nhi\u00eau, th\u1eddi h\u1ea1n b\u1ea1n ph\u1ea3i tr\u1ea3 g\u00f3p l\u00e0 bao l\u00e2u. L\u1ea5y gi\u00e1 sau c\u00f9ng theo tr\u1ea3 g\u00f3p tr\u1eeb \u0111i gi\u00e1 mua b\u1eb1ng ti\u1ec1n m\u1eb7t, \u0111\u1ea5y ch\u00ednh l\u00e0 ph\u1ea7n l\u00e3i su\u1ea5t m\u00e0 b\u1ea1n ph\u1ea3i tr\u1ea3 cho h\u00ecnh th\u1ee9c mua tr\u1ea3 g\u00f3p.<\/p>\n

            – N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 m\u1ed9t ph\u1ea7n ti\u1ec1n m\u1eb7t c\u00f2n l\u1ea1i b\u1ea1n c\u00f3 th\u1ec3 vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u1ec3 thanh to\u00e1n cho chi\u1ebfc smartphone th\u00ec b\u1ea1n s\u1ebd t\u00ednh ra l\u00e3i su\u1ea5t m\u00e0 b\u1ea1n ph\u1ea3i tr\u1ea3 cho c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng trong su\u1ed1t th\u1eddi gian vay.<\/p>\n

            So s\u00e1nh gi\u1eefa hai k\u1ebft qu\u1ea3 n\u00e0y c\u0169ng nh\u01b0 c\u00e1c th\u1ee7 t\u1ee5c c\u1ee7a hai b\u00ean th\u00ec b\u1ea1n s\u1ebd nh\u1eadn th\u1ea5y r\u1ea5t r\u00f5 l\u1ee3i \u00edch c\u1ee7a b\u00ean n\u00e0o t\u1ed1t h\u01a1n \u0111\u1ec3 b\u1ea1n l\u01b0a ch\u1ecdn.<\/p>\n

            doanhunglam – Nam 31 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i mu\u1ed1n vay ti\u00eau d\u00f9ng th\u00ec li\u00ean h\u1ec7 g\u0103p ai.v\u00e0 \u1edf h\u00e0 n\u1ed9i c\u00f3 l\u00e0m \u0111\u01b0\u1ee3c kh\u00f4ng.<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            \u1ede H\u00e0 N\u1ed9i c\u00f3 r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng, b\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 v\u1edbi b\u1ea5t k\u1ef3 \u0111i\u1ec3m giao d\u1ecbch n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3.<\/p>\n

            Nguy\u1ec5n Kh\u1eafc Nguy\u00ean – Nam 33 tu\u1ed5i<\/strong><\/p>\n

            Xin cho h\u1ecfi vay ti\u00eau d\u00f9ng l\u00e0 tr\u1ef1c ti\u1ebfp t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng hay qua m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o kh\u00e1c, c\u00f2n g\u1ecdi l\u00e0 vay “n\u00f3ng” ?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            C\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec1u c\u00f3 th\u1ec3 cho vay ti\u00eau d\u00f9ng. Vay nhanh v\u00e0 trong th\u1eddi h\u1ea1n ng\u1eafn th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “vay n\u00f3ng”, c\u0169ng c\u00f3 th\u1ec3 t\u1ea1i c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

             <\/p>\n

            H\u00f4 anh L\u00ea – N\u1eef 35 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i l\u00e0 ng\u01b0\u1eddi bu\u00f4n b\u00e1n t\u1ea1i nh\u00e0, n\u1ebfu mu\u1ed1n vay th\u00ec c\u00f3 ph\u1ea3i th\u1ebf ch\u1ea5p g\u00ec kh\u00f4ng? L\u00e3i su\u1ea5t bao nhi\u00eau?<\/em><\/p>\n

            \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

            Tr\u1ea3 l\u1eddi: C\u00f4ng ty ch\u00fang t\u00f4i ch\u01b0a c\u00f3 ch\u1ee9c n\u0103ng vay v\u1ed1n \u0111\u1ec3 kinh doanh.<\/p>\n

            Nguy\u1ec5n Mai Anh – N\u1eef 35 tu\u1ed5i<\/strong><\/p>\n

            M\u00ecnh c\u00f3 nhu c\u1ea7u vay ti\u00eau d\u00f9ng tr\u1ea3 qua l\u01b0\u01a1ng?cho m\u00ecnh h\u1ecfi l\u00e3i su\u1ea5t cho vay th\u1ebf n\u00e0o v\u00e0 vay \u0111\u01b0\u1ee3c bao nhi\u00eau % c\u1ee7a l\u01b0\u01a1ng?<\/em><\/p>\n

            \u00d4ng Nguy\u1ec5n Quang \u0110\u00f4ng \u2013 Tr\u01b0\u1edfng ph\u00f2ng Ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng, C\u00f4ng ty t\u00e0i ch\u00ednh TNHH HD SAISON:<\/strong><\/p>\n

            Tr\u1ea3 l\u1eddi: L\u00e3i su\u1ea5t vay d\u1ef1a tr\u00ean r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, s\u1ed1 ti\u1ec1n vaym k\u1ef3 h\u1ea1n vay v\u00e0 v\u00e0i y\u1ebfu t\u1ed1 kh\u00e1c n\u1ebfu c\u00f3 trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh.<\/p>\n

            M\u1ee9c vay t\u1ed1i \u0111a l\u00e0 t\u1eeb 5-8 l\u1ea7n m\u1ee9c thu nh\u1eadp hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n.<\/p>\n

            L\u00ea Thi Hoa – N\u1eef 50 tu\u1ed5i<\/strong><\/p>\n

            Xin h\u1ecfi:h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng c\u00f3 h\u1ee3p ph\u00e1p kh\u00f4ng? V\u00e0 n\u00f3 c\u00f3 t\u1ed3n t\u1ea1i l\u00e2u kh\u00f4ng? d\u00e2n c\u00f3 n\u00ean vay kh\u00f4ng?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 cho vay ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Xu th\u1ebf n\u00e0y s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n. Vi\u1ec7c quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n hay kh\u00f4ng ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

            Nguy\u1ec5n V\u0103n L\u1ee3i – Nam 24 tu\u1ed5i<\/strong><\/p>\n

            Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0o c\u1ea7n l\u01b0u \u00fd khi vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n:<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Ngh\u0129a v\u1ee5 quan tr\u1ecdng nh\u1ea5t, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 kh\u00f3 kh\u0103n nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 vi\u1ec7c tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i. V\u00ec v\u1eady, tr\u01b0\u1edbc h\u1ebft ph\u1ea3i n\u1eafm r\u00f5 l\u00e3i su\u1ea5t s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e0 bao nhi\u00eau, c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 \u0111\u00fang h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n. V\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u1ea3i t\u00ednh t\u1edbi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m kh\u00f4ng. L\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng th\u01b0\u1eddng cao, n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec th\u01b0\u1eddng b\u1ecb t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n b\u1eb1ng 150% so v\u1edbi l\u00e3i su\u1ea5t trong h\u1ea1n, \u0111\u00f4i khi c\u00f2n b\u1ecb c\u1ed9ng th\u00eam m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c, s\u1ebd d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 r\u1ea5t cao, c\u00e0ng kh\u00f3 tr\u1ea3 n\u1ee3.<\/p>\n

            Le Ngoc Nhan – Nam 55 tu\u1ed5i<\/strong><\/p>\n

            Kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng th\u1eafc m\u1eafc r\u1eb1ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay v\u1edbi l\u00e3i su\u1ea5t cao. Nguy\u00ean nh\u00e2n n\u00e0o d\u1eabn \u0111\u1ebfn chi ph\u00ed l\u00e3i vay \u0111\u1ed1i v\u1edbi v\u1ed1n ti\u00eau d\u00f9ng cao nh\u01b0 v\u1eady?<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            Kh\u00f4ng th\u1ec3 so s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t s\u1ea3n ph\u1ea9m cho vay t\u00edn ch\u1ea5p ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u00e1c s\u1ea3n ph\u1ea9m cho vay c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM), v\u00ec \u0111\u00f3 l\u00e0 nh\u1eefng s\u1ea3n ph\u1ea9m ho\u00e0n to\u00e0n kh\u00e1c nhau. C\u00f3 nh\u1eefng y\u1ebfu t\u1ed1 sau \u0111\u00e2y \u0111\u00f3ng g\u00f3p v\u00e0o gi\u00e1 c\u1ee7a kho\u1ea3n vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 khi\u1ebfn gi\u00e1 cu\u1ea3 s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng cao h\u01a1n so v\u1edbi s\u1ea3n ph\u1ea9m vay c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

            Th\u1ee9 nh\u1ea5t: Chi ph\u00ed \u0111\u1ea7u v\u00e0o c\u1ee7a ngu\u1ed3n v\u1ed1n cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng cao h\u01a1n so v\u1edbi chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i do c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p huy \u0111\u1ed9ng v\u1ed1n t\u1eeb d\u00e2n c\u01b0, c\u0169ng kh\u00f4ng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf m\u1ea1ng l\u01b0\u1edbi nh\u01b0 NHTM.<\/p>\n

            Th\u1ee9 hai: \u0110\u00f3 ch\u00ednh l\u00e0 chi ph\u00ed b\u00f9 \u0111\u1eafp r\u1ee7i ro c\u1ee7a kho\u1ea3n vay. L\u00e3i su\u1ea5t s\u1ebd t\u1ec9 l\u1ec7 thu\u1eadn v\u1edbi r\u1ee7i ro. Cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 cho vay d\u1ef1a tr\u00ean uy t\u00edn c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 b\u1edfi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng d\u00e0nh cho m\u1ed9t kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Ch\u00ednh v\u00ec v\u1eady, cho vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p c\u00f3 r\u1ee7i ro cao, n\u00ean l\u00e3i su\u1ea5t ph\u1ea3i cao h\u01a1n so v\u1edbi cho vay ti\u00eau d\u00f9ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i. Ngay c\u1ea3 NHTM khi h\u1ecd cho vay ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng t\u1ee9c vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec l\u00e3i su\u1ea5t c\u0169ng kh\u00e1 cao 18-20%\/n\u0103m. V\u00e0 c\u00f3 tr\u01b0\u1eddng h\u1ee3p hai kh\u00e1ch h\u00e0ng c\u00f9ng l\u1ef1a ch\u1ecdn s\u1ea3n ph\u1ea9m vay nh\u01b0 nhau t\u1ea1i c\u00f9ng m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0ng l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho hai kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n kh\u00e1c nhau.<\/p>\n

            V\u00ed d\u1ee5: Kh\u00e1ch h\u00e0ng A c\u00f3 thu nh\u1eadp 10 tri\u1ec7u, c\u00f3 vi\u1ec7c l\u00e0m v\u00e0 nh\u00e0 c\u1eeda \u1ed5n \u0111\u1ecbnh th\u00ec s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 cao h\u01a1n kh\u00e1ch h\u00e0ng B c\u00f3 thu nh\u1eadp 3 tri\u1ec7u v\u00e0 \u1edf nh\u00e0 thu\u00ea. \u0110\u01b0\u01a1ng nhi\u00ean, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng A s\u1ebd th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a kh\u00e1ch h\u00e0ng B. V\u00ec chi ph\u00ed b\u00f9 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng A th\u1ea5p h\u01a1n kh\u00e1ch h\u00e0ng B.<\/p>\n

            Th\u1ee9 ba: Gi\u00e1 tr\u1ecb c\u1ee7a kho\u1ea3n vay nh\u1ecf l\u1ebb, k\u1ef3 h\u1ea1n vay ng\u1eafn (kho\u1ea3ng t\u1eeb 6 \u2013 8 th\u00e1ng, th\u1eadm ch\u00ed 4-5 th\u00e1ng) d\u1eabn \u0111\u1ebfn c\u00e1c chi ph\u00ed th\u1ea9m \u0111\u1ecbnh, chi ph\u00ed \u0111\u00f2i n\u1ee3, chi ph\u00ed qu\u1ea3n l\u00fd kho\u1ea3n vay, chi ph\u00ed ph\u1ee5c v\u1ee5 cao h\u01a1n b\u00ecnh th\u01b0\u1eddng. Nh\u01b0 v\u1eady, khi b\u00f3c t\u00e1ch c\u00e1c chi ph\u00ed m\u00e0 kho\u1ea3n vay ph\u1ea3i ch\u1ecbu, ch\u00fang ta s\u1ebd th\u1ea5y gi\u00e1 c\u1ea3 ph\u00f9 h\u1ee3p v\u00e0 l\u1ee3i nhu\u1eadn t\u1eeb m\u1ed9t kho\u1ea3n vay s\u1ebd t\u01b0\u01a1ng \u0111\u1ed1i ph\u00f9 h\u1ee3p h\u01a1n so v\u1edbi chi ph\u00ed m\u00e0 c\u00f4ng ty ph\u1ea3i b\u1ecf ra tr\u00ean m\u1ed9t kho\u1ea3n vay. V\u00ed d\u1ee5 kho\u1ea3n chi c\u00f4ng t\u00e1c ph\u00ed cho c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng 50 ng\u00e0n \u0111\u1ed3ng n\u1ebfu t\u00ednh tr\u00ean kho\u1ea3n vay ti\u00eau d\u00f9ng 5 tri\u1ec7u t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec l\u00e3i su\u1ea5t \u0111\u00e3 t\u0103ng 1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m (1%) nh\u01b0ng v\u1edbi kho\u1ea3n vay l\u1edbn c\u1ee7a NHTM l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng, th\u00ec ph\u1ea7n ph\u00ed c\u1ed9ng v\u00e0o l\u00e3i su\u1ea5t ch\u1ec9 l\u00e0 0,1 \u0111i\u1ec3m ph\u1ea7n tr\u0103m (0,1%). Ngh\u0129a l\u00e0 \u0111\u00e3 ch\u00eanh nhau t\u1edbi 10 l\u1ea7n.<\/p>\n

            M\u1ed9t \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ph\u1ee5c v\u1ee5 c\u00e1c nhu c\u1ea7u \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u2013 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 trung b\u00ecnh c\u0169ng nh\u01b0 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi t\u00edn d\u1ee5ng c\u1ee7a NHTM. R\u00f5 r\u00e0ng r\u1eb1ng, nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u1edf ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng th\u00ec r\u1ea5t c\u00f3 th\u1ec3 s\u1ebd \u0111i vay th\u1ecb tr\u01b0\u1eddng ch\u1ee3 \u0111en hay t\u1ed5 ch\u1ee9c cho vay l\u00e3i su\u1ea5t cao v\u1edbi m\u1ee9c gi\u00e1 cao h\u01a1n r\u1ea5t nhi\u1ec1u l\u1ea7n so v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i. Ch\u00ednh l\u00fac n\u00e0y, vai tr\u00f2 quan tr\u1ecdng c\u1ee7a c\u00f4ng ty t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 r\u1ec7t.<\/p>\n

            Vay ti\u00eau d\u00f9ng t\u00edn ch\u1ea5p l\u00e3i su\u1ea5t cao h\u01a1n vay th\u1ebf ch\u1ea5p l\u00e0 \u0111i\u1ec1u t\u1ef1 nhi\u00ean kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam m\u00e0 c\u00f2n \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n. V\u00e0 \u0111\u00f3 l\u00e0 xu h\u01b0\u1edbng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7n \u0111\u1ea1i, t\u1ef1 b\u1ea3n th\u00e2n n\u00f3 s\u1ebd \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng, do \u0111\u00f3 ch\u00fang ta c\u1ea7n c\u00f3 c\u00e1i nh\u00ecn kh\u00e1ch quan.<\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi c\u1ee7a \u0111\u1ed9c gi\u1ea3<\/p>\n

            Nguy\u1ec5n V\u0103n Tr\u01b0\u1eddng – Nam 39 tu\u1ed5i<\/strong><\/p>\n

            V\u1eady c\u1ee5 th\u1ec3 nh\u1eefng l\u1ee3i \u00edch m\u00e0 cho vay ti\u00eau d\u00f9ng mang l\u1ea1i l\u00e0 g\u00ec?<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            Cho vay ti\u00eau d\u00f9ng hi\u1ec3u theo ngh\u0129a h\u1eb9p l\u00e0 ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p c\u00e1c kho\u1ea3n vay nh\u1ecf cho c\u00e1 nh\u00e2n \u0111\u1ec3 mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 ph\u1ee5c v\u1ee5 cho c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh, n\u1ebfu theo ngh\u0129a r\u1ed9ng n\u00f3 bao g\u1ed3m c\u1ea3 kho\u1ea3n cho vay l\u1edbn mua nh\u00e0 \u1edf th\u1ebf ch\u1ea5p, mua \u00f4 t\u00f4. C\u00e1c kho\u1ea3n cho vay ti\u00eau d\u00f9ng ng\u00e0y nay th\u01b0\u1eddng \u0111\u01b0\u1ee3c cung \u1ee9ng b\u1edfi ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng, d\u01b0\u1edbi c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 cho vay mua nh\u00e0 th\u1ebf ch\u1ea5p, vay s\u1eeda ch\u1eefa nh\u00e0, cho vay mua \u00f4 t\u00f4, mua xe m\u00e1y tr\u1ea3 g\u00f3p, cho vay mua \u0111i\u1ec7n tho\u1ea1i \u2013 \u0111i\u1ec7n m\u00e1y tr\u1ea3 g\u00f3p, cho vay ti\u1ec1n m\u1eb7t cho c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng, cho vay qua th\u1ebb t\u00edn d\u1ee5ng, v.v.<\/p>\n

            Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng xu\u1ea5t hi\u1ec7n nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n khi n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 trang tr\u1ea3i nhu c\u1ea7u, cho ph\u00e9p h\u1ecd c\u00f3 th\u1ec3 ti\u00eau d\u00f9ng tr\u01b0\u1edbc – chi tr\u1ea3 sau d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c. B\u00ean c\u1ea1nh \u0111\u00f3, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u0169ng cho th\u1ea5y ho\u1ea1t \u0111\u1ed9ng n\u00e0y kh\u00f4ng ch\u1ec9 c\u00f3 \u00fd ngh\u0129a v\u1edbi t\u1eebng c\u00e1 nh\u00e2n, m\u00e0 c\u00f2n mang l\u1ea1i nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c cho to\u00e0n x\u00e3 h\u1ed9i, l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 quan tr\u1ecdng \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf c\u1ee7a qu\u1ed1c gia.<\/p>\n

            Nguy\u1ec5n Th\u1ecb Hoa Qu\u1ebf – N\u1eef 34 tu\u1ed5i<\/strong><\/p>\n

            Nh\u1eefng l\u00fd do khi\u1ebfn vay t\u00edn ch\u1ea5p b\u1ecb t\u1eeb ch\u1ed1i?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Kho\u1ea3n vay t\u00edn ch\u1ea5p trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, \u0111\u00fang b\u1ea3n ch\u1ea5t l\u00e0 kho\u1ea3n vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. D\u00f9 cho vay c\u00f3 hay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec TCTD c\u0169ng s\u1ebd t\u1eeb ch\u1ed1i cho vay n\u1ebfu \u0111\u00e1nh gi\u00e1 kho\u1ea3n vay c\u00f3 kh\u1ea3 n\u0103ng r\u1ee7i ro cao v\u01b0\u1ee3t m\u1ee9c c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn, t\u1ee9c cho vay m\u00e0 kh\u00f4ng b\u1ea3o \u0111\u1ea3m vi\u1ec7c thu h\u1ed3i v\u1ed1n vay, kh\u00f4ng b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n c\u1ea7n thi\u1ebft khi cho vay. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kho\u1ea3n vay b\u1ecb t\u1eeb ch\u1ed1i l\u00e0 do TCTD kh\u00f4ng c\u00f3 \u0111\u1ee7 th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ef1 t\u00edn nhi\u1ec7m v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng vay.<\/p>\n

            Pham Van Vung – Nam 32 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i ph\u1ea3i \u0111\u1ebfn \u0111\u00e2u n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u1ee7a t\u00f4i c\u00f3 ph\u00e1t sinh v\u01b0\u1edbng m\u1eafc?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            N\u1ebfu ng\u01b0\u1eddi vay cho r\u1eb1ng m\u00ecnh b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng, th\u00ec c\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 nh\u01b0: Khi\u1ebfu n\u1ea1i v\u1edbi ch\u00ednh \u0111\u01a1n v\u1ecb cho vay ho\u1eb7c c\u1ea5p tr\u00ean tr\u1ef1c ti\u1ebfp, v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ec9nh th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng, v\u1edbi C\u01a1 quan qu\u1ea3n l\u00fd c\u1ea1nh tranh v\u00e0 H\u1ed9i b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ng\u01b0\u1eddi vay c\u0169ng c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n \u0111\u1ebfn To\u00e0 \u00e1n nh\u00e2n d\u00e2n c\u1ea5p qu\u1eadn, huy\u1ec7n n\u01a1i c\u00f3 tr\u1ee5 s\u1edf c\u1ee7a TCTD cho vay. N\u1ebfu h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng tho\u1ea3 thu\u1eadn c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i th\u00ec c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n ra Tr\u1ecdng t\u00e0i.<\/p>\n

            Nguy\u1ec5n Qu\u00e1n Ch\u00ednh – Nam 33 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i c\u00f3 ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch vay?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi vi\u1ec7c cho vay, gi\u1ea3i ng\u00e2n, qu\u1ea3n l\u00fd kho\u1ea3n vay c\u1ee7a c\u00e1c TCTD c\u0169ng nh\u01b0 vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m \u0111\u00fang m\u1ee5c \u0111\u00edch. Ti\u00eau d\u00f9ng c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t m\u1ee5c \u0111\u00edch vay v\u1ed1n. Tuy nhi\u00ean, n\u1ebfu vay v\u1ed1n v\u1edbi m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 nh\u01b0 x\u00e2y, s\u1eeda nh\u00e0, mua ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i, n\u1ed9p h\u1ecdc ph\u00ed, kh\u00e1m ch\u1eefa b\u1ec7nh,\u2026 th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i ch\u1ee9ng minh \u0111\u00fang m\u1ee5c \u0111\u00edch vay v\u1ed1n.<\/p>\n

            Ph\u1ea1m Ng\u1ecdc Chung – Nam 31 tu\u1ed5i<\/strong><\/p>\n

            T\u00f4i th\u1ea5y m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh cho vay v\u1edbi l\u00e3i r\u1ea5t cao? l\u00e3i c\u1ed1 \u0111\u1ecbnh theo s\u1ed1 ti\u1ec1n vay 2,4%\/1 th\u00e1ng v\u00e0 mang t\u00ednh ch\u1ea5t t\u1ef1 th\u1ecfa thu\u1eadn v\u1edbi nhau. V\u1eady NHNN c\u00f3 bi\u1ebft \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng v\u00e0 t\u00edn ch\u1ea5p n\u00e0y kh\u00f4ng?<\/em><\/p>\n

            \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

            R\u00f5 r\u00e0ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ( NHNN) bi\u1ebft r\u1ea5t r\u00f5 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn gi\u1eefa c\u00e1c b\u00ean v\u1edbi nhau. C\u0103n c\u1ee9 ph\u00e1p l\u00fd c\u1ee7a n\u00f3 l\u00e0 kho\u1ea3n 2 \u0111i\u1ec1u 9 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Th\u00f4ng t\u01b0 12 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN v\u1ec1 vi\u1ec7c cho vay theo l\u00e3i su\u1ea5t tho\u1ea3 thu\u1eadn gi\u1eefa t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng.
            \nLu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:\u00a0“L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay SXKD”<\/p>\n

            Nguy\u1ec5n Th\u1ea3o – Nam<\/strong><\/p>\n

            Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh theo ph\u00e1p lu\u1eadt di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/p>\n

            Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

            Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh m\u1ed9t kho\u1ea3n vay c\u1ee5 th\u1ec3 do c\u00e1c TCTD t\u1ef1 quy \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf Quy ch\u1ebf cho vay theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1626\/2001\/Q\u0110-NHNN nh\u01b0 sau:<\/p>\n

            \u201c\u0110i\u1ec1u 15. Th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/p>\n

              \n
            1. TCTD x\u00e2y d\u1ef1ng quy tr\u00ecnh x\u00e9t duy\u1ec7t cho vay theo nguy\u00ean t\u1eafc b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed9c l\u1eadp v\u00e0 ph\u00e2n \u0111\u1ecbnh r\u00f5 r\u00e0ng tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n, tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay.<\/li>\n
            2. TCTD xem x\u00e9t, \u0111\u00e1nh gi\u00e1 t\u00ednh kh\u1ea3 thi, hi\u1ec7u qu\u1ea3 c\u1ee7a d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 ho\u1eb7c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng v\u00e0 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 n\u1ee3 vay c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh cho vay.<\/li>\n
            3. TCTD quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 ni\u00eam y\u1ebft c\u00f4ng khai th\u1eddi h\u1ea1n t\u1ed1i \u0111a ph\u1ea3i th\u00f4ng b\u00e1o quy\u1ebft \u0111\u1ecbnh cho vay ho\u1eb7c kh\u00f4ng cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 vay v\u1ed1n v\u00e0 th\u00f4ng tin c\u1ea7n thi\u1ebft c\u1ee7a kh\u00e1ch h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p quy\u1ebft \u0111\u1ecbnh kh\u00f4ng cho vay, TCTD ph\u1ea3i th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng b\u1eb1ng v\u0103n b\u1ea3n, trong \u0111\u00f3 n\u00eau r\u00f5 c\u0103n c\u1ee9 t\u1eeb ch\u1ed1i cho vay.\u201d<\/li>\n<\/ol>\n

              Ph\u1ea1m M\u1ea1nh H\u00f9ng – Nam 30 tu\u1ed5i<\/strong><\/p>\n

              L\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cao do \u0111\u00e2u?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay SXKD, v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0: Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n; ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng h\u1ebft v\u00e0 tr\u1ea3 n\u1ee3 b\u1eb1ng ngu\u1ed3n kh\u00e1c, n\u00ean TCTD kh\u00f3 n\u1eafm b\u1eaft v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n; kho\u1ea3n vay th\u01b0\u1eddng nh\u1ecf, n\u00ean chi ph\u00ed cao; t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f3 x\u1eed l\u00fd, n\u00ean r\u1ee7i ro l\u1edbn;…<\/p>\n

              Ph\u1ea1m Ng\u1ecdc Chung – Nam 31 tu\u1ed5i<\/strong><\/p>\n

              C\u00e1c c\u1eeda hi\u1ec7u c\u1ea7m \u0111\u1ed3 cho vay 7.000 \u0111\u1ed3ng\/1 tri\u1ec7u\/1 ng\u00e0y. V\u1eady c\u01a1 quan n\u00e0o c\u00f3 tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd v\u1ec1 l\u00e3i su\u1ea5t \u1edf \u0111\u00e2y?<\/em><\/p>\n

              \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

              Vi\u1ec7c cho vay c\u1ee7a c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 qu\u1ea3n l\u00fd c\u1ee7a B\u1ed9 C\u00f4ng Th\u01b0\u01a1ng. Tuy nhi\u00ean \u1edf c\u00e1c n\u01b0\u1edbc ph\u00e1t tri\u1ec3n v\u00ed d\u1ee5 nh\u01b0 Nh\u1eadt B\u1ea3n, th\u00ec vi\u1ec7c cho vay ti\u00eau d\u00f9ng bao g\u1ed3m c\u1ea3 vi\u1ec7c cho vay tr\u1ea3 g\u00f3p, cho vay c\u1ee7a c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi Lu\u1eadt Cho vay ti\u00eau d\u00f9ng. Trong lu\u1eadt n\u00e0y, ng\u01b0\u1eddi ta h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c minh b\u1ea1ch trong vi\u1ec7c ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 c\u1ee7a b\u00ean cho vay theo \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

              \u0110\u1ed7 Nh\u01b0 T\u00f9ng – Nam 37 tu\u1ed5i<\/strong><\/p>\n

              L\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang r\u1ea5t cao, c\u00f3 hai lu\u1ed3ng quan \u0111i\u1ec3m l\u00e0 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t hay \u0111\u1ec3 t\u1ef1 c\u1ea1nh tranh theo th\u1ecb tr\u01b0\u1eddng. V\u1eady \u00fd ki\u1ebfn c\u1ee7a \u00f4ng th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              Trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, th\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n, m\u00e0 \u0111\u1ed3ng ti\u1ec1n th\u1ec3 hi\u1ec7n s\u1ee9c kho\u1ebb c\u1ee7a n\u1ec1n kinh t\u1ebf, n\u00ean l\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh c\u1ee7a n\u1ec1n kinh t\u1ebf quy\u1ebft \u0111\u1ecbnh. Kh\u00f4ng m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0o c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1eb7t ra m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 kh\u00e1c bi\u1ec7t so v\u1edbi th\u1ecb tr\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng th\u1ec3 \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng ph\u1ea3i vay v\u1ed1n. V\u00ec v\u1eady, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t th\u00ec ph\u1ea3i t\u00e1c \u0111\u1ed9ng gi\u00e1n ti\u1ebfp v\u00e0o m\u00f4i tr\u01b0\u1eddng kinh doanh, t\u0103ng t\u00ednh c\u1ea1nh tranh gi\u1eefa c\u00e1c TCTD, gi\u1ea3m b\u1edbt r\u1ee7i ro, h\u1ed7 tr\u1ee3 thu h\u1ed3i n\u1ee3 nhanh ch\u00f3ng, ch\u1ee9 kh\u00f4ng n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t. N\u1ebfu \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy lu\u1eadt kh\u00e1ch quan c\u1ee7a th\u1ecb tr\u01b0\u1eddng th\u00ec ch\u1ec9 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng l\u00e1ch lu\u1eadt hay vi ph\u1ea1m tr\u00e0n lan, k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng l\u00e0 l\u00e3i su\u1ea5t v\u1eabn kh\u00f4ng gi\u1ea3m th\u1eadt s\u1ef1, th\u1eadm ch\u00ed c\u00f2n t\u0103ng th\u00eam v\u00ec ph\u1ea3i ph\u00e1t sinh c\u00e1c chi ph\u00ed \u0111\u1ed1i ph\u00f3, h\u1ee3p th\u1ee9c ho\u00e1 vi\u1ec7c thu ngo\u00e0i con s\u1ed1 ch\u00ednh th\u1ee9c.<\/p>\n

              \u0110inh Kim S\u01a1n – Nam 41 tu\u1ed5i<\/strong><\/p>\n

              N\u0103m ngo\u00e1i t\u00f4i c\u00f3 vay c\u1ee7a Home Credit \u0111\u1ec3 mua m\u1ed9t c\u00e1i m\u00e1y t\u00ednh. Do tr\u1ee5c tr\u1eb7c t\u00e0i ch\u00ednh t\u00f4i \u0111\u00f3ng tr\u1ec5 n\u1ee3 nhi\u1ec1u l\u1ea7n. B\u00e2y gi\u1edd t\u00f4i l\u1ea1i \u0111ang c\u00f3 nhu c\u1ea7u vay s\u1eeda sang nh\u00e0 c\u1eeda v\u00ec s\u1eafp \u0111\u1ebfn T\u1ebft r\u1ed3i. V\u1edbi l\u1ecbch s\u1eed vay t\u00edn d\u1ee5ng nh\u01b0 v\u1eady, li\u1ec7u tr\u01b0\u1eddng h\u1ee3p c\u1ee7a t\u00f4i c\u00f3 b\u1ecb \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng x\u1ea5u kh\u00f4ng? T\u00f4i c\u00f3 th\u1ec3 xem \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i b\u1eb1ng c\u00e1ch n\u00e0o? Sau bao l\u00e2u th\u00ec t\u00f4i s\u1ebd l\u1ea1i vay \u0111\u01b0\u1ee3c?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              \u0110\u1ed1i v\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec th\u01b0\u1eddng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i, x\u1ebfp h\u1ea1ng, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 l\u00e0 uy t\u00edn (nh\u01b0 c\u00f3 b\u1ecb n\u1ee3 x\u1ea5u, n\u1ee3 qu\u00e1 h\u1ea1n hay kh\u00f4ng) trong l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng. C\u00f2n theo Quy \u0111\u1ecbnh v\u1ec1 Ph\u00e2n lo\u1ea1i\u00a0\u00a0n\u1ee3, tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 493\/2005\/Q\u0110-NHNN ng\u00e0y 22-4-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung), th\u00ec c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 n\u1ee3 tr\u1ec5 s\u1ebd b\u1ecb coi l\u00e0 kho\u1ea3n n\u1ee3 x\u1ea5u, nh\u01b0 kho\u1ea3n vay \u0111\u00e3 qu\u00e1 h\u1ea1n t\u1eeb 91 ng\u00e0y tr\u1edf l\u00ean ho\u1eb7c \u0111\u00e3 \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 m\u00e0 l\u1ea1i ti\u1ebfp t\u1ee5c b\u1ecb qu\u00e1 h\u1ea1n ho\u1eb7c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 b\u1ecb \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c TCTD,\u2026<\/p>\n

              Ph\u00e1p lu\u1eadt c\u0169ng kh\u00f4ng c\u1ea5m vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u201c\u0111\u00f3ng tr\u1ec5 n\u1ee3\u201d n\u00f3i chung ho\u1eb7c c\u00f3 n\u1ee3 x\u1ea5u n\u00f3i ri\u00eang. Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng \u0111ang ho\u1eb7c \u0111\u00e3 t\u1eebng c\u00f3 n\u1ee3 x\u1ea5u th\u00ec s\u1ebd b\u1ecb c\u00e1c TCTD \u0111\u00e1nh gi\u00e1 th\u1ea5p n\u00ean th\u01b0\u1eddng kh\u00f4ng cho vay ho\u1eb7c \u00e1p d\u1ee5ng \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd h\u01a1n. C\u00f2n v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng do t\u1eebng TCTD ch\u1ea5m th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng khai, v\u00ec li\u00ean quan \u0111\u1ebfn c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n l\u00e0 th\u00f4ng tin b\u00ed m\u1eadt c\u1ee7a kh\u00e1ch h\u00e0ng. Ch\u1ec9 khi kh\u00e1ch h\u00e0ng giao d\u1ecbch v\u1edbi TCTD \u0111\u00e3 ch\u1ea5m \u0111i\u1ec3m th\u00ec m\u1edbi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c bi\u1ebft v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh.<\/p>\n

              Tr\u01b0\u01a1ng Xu\u00e2n H\u00f9ng – Nam 29 tu\u1ed5i<\/strong><\/p>\n

              N\u1ebfu trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u00fang h\u1ea1n, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 g\u00ec t\u1eeb ph\u00eda c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              Tuy thu\u1ed9c v\u00e0o l\u00fd do tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh xem x\u00e9t cho gia h\u1ea1n n\u1ee3 (t\u1ee9c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng); cho \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 (t\u1ee9c l\u00e0 thay \u0111\u1ed5i c\u00e1c th\u1eddi h\u1ea1n trong t\u1eebng l\u1ea7n tr\u1ea3 n\u1ee3, nh\u01b0ng gi\u1eef nguy\u00ean th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng); cho mi\u1ec5n gi\u1ea3m n\u1ee3 l\u00e3i, ph\u00ed, ti\u1ec1n ph\u1ea1t. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t gi\u1ea3m n\u1ee3 g\u1ed1c.<\/p>\n

              Vu Ngoc Anh – Nam 27 tu\u1ed5i<\/strong><\/p>\n

              T\u00f4i l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean vay tr\u1ea3 g\u00f3p cho ng\u01b0\u1eddi kh\u00e1c vay v\u1ed1n, nh\u01b0ng gi\u1edd ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 kho\u1ea3n vay \u0111\u00f3 n\u1eefa th\u00ec t\u00f4i ph\u1ea3i l\u00e0m g\u00ec?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              X\u00e9t v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u1eabn l\u00e0 c\u1ee7a b\u1ea1n. C\u00f2n quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi kh\u00e1c n\u1eb1m ngo\u00e0i m\u1ed1i quan h\u1ec7 vay v\u1ed1n v\u1edbi TCTD. Tuy nhi\u00ean, n\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u00ec b\u1ea1n c\u0169ng c\u1ea7n \u0111\u1ec1 ngh\u1ecb TCTD l\u00e0m vi\u1ec7c gi\u1eefa 3 b\u00ean (TCTD, ng\u01b0\u1eddi s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 b\u1ea1n) \u0111\u1ec3 ph\u1ed1i h\u1ee3p gi\u1ea3i quy\u1ebft. \u0110\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i y\u00eau c\u1ea7u c\u01a1 quan ph\u00e1p lu\u1eadt x\u1eed l\u00fd, nh\u01b0 t\u1ed1 gi\u00e1c t\u1ed9i ph\u1ea1m v\u1edbi c\u01a1 quan c\u00f4ng an, n\u1ebfu nh\u01b0 ng\u01b0\u1eddi kh\u00e1c c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m t\u1ed9i l\u1eeba \u0111\u1ea3o, l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m,\u2026 ho\u1eb7c kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n y\u00eau c\u1ea7u ng\u01b0\u1eddi li\u00ean quan ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u00e3 tho\u1ea3 thu\u1eadn v\u1edbi b\u1ea1n, n\u1ebfu h\u1ecd vi ph\u1ea1m ngh\u0129a v\u1ee5 theo tho\u1ea3 thu\u1eadn gi\u1eefa hai b\u00ean.<\/p>\n

              Nguyen Thi Dung – N\u1eef 55 tu\u1ed5i<\/strong><\/p>\n

              T\u1ea1i sao t\u00f4i ph\u1ea3i mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay c\u1ee7a m\u00ecnh, t\u00f4i kh\u00f4ng mua c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              Ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng r\u1ee7i ro r\u1ea5t cao, v\u00ec v\u1eady c\u1ea7n th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c cho vay, \u0111\u1ed3ng th\u1eddi th\u01b0\u1eddng ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 x\u1eed l\u00fd, thu h\u1ed3i n\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. V\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n vay, \u0111\u00f3 l\u00e0 mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay, nh\u1ea5t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Tuy ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi vi\u1ec7c tham gia lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n cho vay, nh\u01b0ng n\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u1ed3ng \u00fd mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y (theo tho\u1ea3 thu\u1eadn), th\u00ec c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c TCTD ch\u1ea5p nh\u1eadn vi\u1ec7c cho vay.<\/p>\n

              Nguy\u1ec5n V\u0103n Ti\u1ebfn – Nam 37 tu\u1ed5i<\/strong><\/p>\n

              T\u00f4i v\u1eeba l\u00e0m h\u1ee3p \u0111\u1ed3ng v\u1edbi HD SAISON \u0111\u1ec3 mua m\u1ed9t chi\u1ebfc xe m\u00e1y tr\u1ea3 g\u00f3p cho con trai \u0111i h\u1ecdc. Xin Lu\u1eadt s\u01b0 cho t\u00f4i bi\u1ebft n\u1ebfu trong tr\u01b0\u1eddng h\u1ee3p t\u00f4i tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n m\u00e0 c\u00f3 l\u00fd do th\u00ec c\u00f3 b\u1ecb x\u1eed l\u00fd kh\u00f4ng?<\/em><\/p>\n

              Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em>:<\/strong><\/p>\n

              Vi\u1ec7c tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n l\u00e0 vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 s\u1ebd b\u1ecb x\u1eed l\u00fd theo c\u00e1c ch\u1ebf t\u00e0i m\u00e0 hai b\u00ean vay v\u00e0 cho vay \u0111\u00e3 tho\u1ea3 thu\u1eadn c\u0169ng nh\u01b0 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, n\u1ebfu c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng (nh\u01b0 b\u1ecb ho\u1ea3 ho\u1ea1n, \u1ed1m \u0111au, t\u1ed5n th\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh,\u2026) th\u00ec tu\u1ef3 theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, \u0111\u01a1n v\u1ecb cho vay s\u1ebd xem x\u00e9t cho gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n n\u1ee3, mi\u1ec5n gi\u1ea3m ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3.<\/p>\n

              Nguy\u1ec5n Th\u1ecb Hoa Qu\u1ebf – N\u1eef 34 tu\u1ed5i<\/strong><\/p>\n

              Vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u00f3 ph\u1ea3i l\u00e0 vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng? T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 ph\u1ea3i l\u00e0 b\u1ea3ng l\u01b0\u01a1ng h\u00e0ng th\u00e1ng c\u1ee7a ng\u01b0\u1eddi vay hay kh\u00f4ng? L\u00e3i su\u1ea5t cho vay c\u00f3 r\u1ebb h\u01a1n vay ng\u00e2n h\u00e0ng kh\u00f4ng?<\/em><\/p>\n

              \u00d4ng Ph\u1ea1m Xu\u00e2n H\u00f2e – Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc:<\/strong><\/p>\n

              Cho vay ti\u00eau d\u00f9ng hi\u1ec3u theo ngh\u0129a h\u1eb9p l\u00e0 ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p c\u00e1c kho\u1ea3n vay nh\u1ecf cho c\u00e1 nh\u00e2n \u0111\u1ec3 mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 ph\u1ee5c v\u1ee5 cho c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 gia \u0111\u00ecnh, n\u1ebfu theo ngh\u0129a r\u1ed9ng n\u00f3 bao g\u1ed3m c\u1ea3 kho\u1ea3n cho vay l\u1edbn mua nh\u00e0 \u1edf th\u1ebf ch\u1ea5p, mua \u00f4 t\u00f4. C\u00e1c kho\u1ea3n cho vay ti\u00eau d\u00f9ng ng\u00e0y nay th\u01b0\u1eddng \u0111\u01b0\u1ee3c cung \u1ee9ng b\u1edfi ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng, d\u01b0\u1edbi c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 cho vay mua nh\u00e0 th\u1ebf ch\u1ea5p, vay s\u1eeda ch\u1eefa nh\u00e0, cho vay mua \u00f4 t\u00f4, mua xe m\u00e1y tr\u1ea3 g\u00f3p, cho vay mua \u0111i\u1ec7n tho\u1ea1i \u2013 \u0111i\u1ec7n m\u00e1y tr\u1ea3 g\u00f3p, cho vay ti\u1ec1n m\u1eb7t cho c\u00e1c m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng, cho vay qua th\u1ebb t\u00edn d\u1ee5ng, v.v.<\/p>\n

              Vi\u1ec7c cho vay ti\u00eau d\u00f9ng n\u1ebfu c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 163 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n nh\u01b0 nh\u00e0, xe \u00f4 t\u00f4 hi\u1ec7n h\u1eefu c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a b\u00ean th\u1ee9 3 \u0111\u1ee9ng ra l\u00e0m b\u1ea3o \u0111\u1ea3m, ho\u1eb7c c\u00f3 th\u1ec3 l\u00e0 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh b\u1edfi v\u1ed1n vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a b\u1ea1n. \u0110i k\u00e8m l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m n\u1ebfu nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ph\u1ea3i th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng ch\u1ee9ng v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. Vi\u1ec7c b\u1ea1n vay ti\u00eau d\u00f9ng ph\u1ea3i k\u00ea khai b\u1ea3ng l\u01b0\u01a1ng ho\u1eb7c tr\u1ea3 l\u01b0\u01a1ng qua ng\u00e2n h\u00e0ng ch\u1ec9 l\u00e0 \u0111i\u1ec1u ki\u1ec7n r\u00e0ng bu\u1ed9c v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng ho\u1eb7c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. N\u1ebfu c\u00f3 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0y th\u00ec l\u00e3i su\u1ea5t vay c\u1ee7a b\u1ea1n s\u1ebd r\u1ebb h\u01a1n v\u00ec b\u1ea1n \u0111\u00e3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh.<\/p>\n

              L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c c\u00f4ng ty cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng kh\u00f4ng r\u1ebb h\u01a1n so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

              B\u00f9i \u0110\u1ee9c Th\u00e0nh – Nam 32 tu\u1ed5i<\/strong><\/p>\n

              T\u1ed5ng h\u1ee3p Ph\u1ea7n c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/strong><\/p>\n

              Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span><\/em><\/strong><\/p>\n

               <\/p>\n

              \u0110\u00e0o Duy Xu\u00e2n – Nam 27 tu\u1ed5i<\/strong><\/p>\n

                \n
              1. C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 g\u00ec gi\u1ed1ng v\u00e0 kh\u00e1c?<\/em><\/li>\n<\/ol>\n

                Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng c\u00f2n c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ecbch v\u1ee5 thanh to\u00e1n, kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1 nh\u00e2n.<\/p>\n

                nguy\u00eanx anh toan – Nam 42 tu\u1ed5i<\/strong><\/p>\n

                  \n
                1. Hai v\u1ee3 ch\u1ed3ng t\u00f4i \u0111\u1ec1u l\u00e0 gi\u00e1o vi\u00ean, l\u01b0\u01a1ng c\u1ea3 2 \u0111\u01b0\u1ee3c 11tr. Hi\u1ec7n nay v\u1eabn ph\u1ea3i thu\u00ea nh\u00e0 \u1edf. S\u1ed1ng r\u1ea5t t\u1eb1n ti\u1ec7n. Nu\u00f4i 2 con 10~12 tu\u1ed5i. V\u1edbi m\u1ee9c l\u01b0\u01a1ng nh\u01b0 v\u1eady xin h\u1ecfi ch\u00fang t\u00f4i c\u00f3 kh\u1ea3 n\u0103ng vay g\u00f3i 30 nghin t\u1ef7 \u0111\u1ec3 mua nh\u00e0 thu nh\u1eadp th\u1ea5p kh\u00f4ng? \u0110\u01b0\u1ee3c th\u00ec vay \u1edf ng\u00e2n h\u00e0ng n\u00e0o.<\/em><\/li>\n<\/ol>\n

                  N\u1ebfu thu nh\u1eadp c\u1ee7a c\u1ea3 2 v\u1ee3 ch\u1ed3ng \u0111\u1ec1u kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 9 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng\/ng\u01b0\u1eddi v\u00e0 ch\u01b0a c\u00f3 nh\u00e0 \u1edf ho\u1eb7c nh\u00e0 \u1edf d\u01b0\u1edbi 8m2\/ng\u01b0\u1eddi th\u00ec c\u00f3 th\u1ec3 vay g\u00f3i h\u1ed7 tr\u1ee3 30.000 t\u1ef7 \u0111\u1ed3ng. Hi\u1ec7n nay c\u00f3 h\u01a1n ch\u1ee5c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c tham gia cho vay g\u00f3i n\u00e0y.<\/p>\n

                  luu kimchi – N\u1eef 54 tu\u1ed5i<\/strong><\/p>\n

                    \n
                  1. Nh\u00e0 t\u00f4i \u1edf H\u00e0 N\u1ed9i hi\u1ec7n \u0111ang \u0111i thu\u00ea nh\u00e0 hi\u1ec7n t\u00f4i mu\u1ed1n vay \u0111\u1ec3 mua \u0111\u1ea5t, kho\u1ea3ng 300 tri\u1ec7u, trong khi l\u01b0\u01a1ng c\u00f3 3 tri\u1ec7u h\u1ecfi c\u00f3 vay \u0111\u01b0\u1ee3c kh\u00f4ng? N\u1ebfu \u0111\u01b0\u1ee3c th\u00ec t\u00f4i ph\u1ea3i l\u00e0m g\u00ec?<\/em><\/li>\n<\/ol>\n

                    N\u1ebfu b\u1ea1n ch\u1ee9ng minh \u0111\u01b0\u1ee3c c\u00f3 th\u00eam c\u00e1c ngu\u1ed3n thu nh\u1eadp kh\u00e1c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o sinh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 vay th\u00ec s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t cho vay.<\/p>\n

                    H\u1ed3 V\u0103n Trung – Nam 37 tu\u1ed5i<\/strong><\/p>\n

                      \n
                    1. m\u1ee9c cho vay t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau? th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 t\u1ed1i \u0111a? tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc th\u1eddi h\u1ea1n th\u00ec c\u00f3 ph\u1ea3i ch\u1ecbu m\u1ee9c ph\u1ea1t n\u00e0o kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                      Ph\u00e1p lu\u1eadt kh\u00f4ng h\u1ea1n ch\u1ebf m\u1ee9c cho vay t\u1ed1i \u0111a (tr\u1eeb kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n an to\u00e0n v\u1ed1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng) v\u00e0 th\u1eddi h\u1ea1n vay. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t trong th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft (c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u01b0\u1eddng g\u1ecdi l\u00e0 ph\u00ed tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n). C\u00e1c m\u1ee9c vay, th\u1eddi h\u1ea1n, m\u1ee9c ph\u00ed… c\u1ee5 th\u1ec3 do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy \u0111\u1ecbnh v\u00e0 tho\u1ea3 thu\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n

                      Phan Ng\u1ecdc T\u00e2n – Nam 50 tu\u1ed5i<\/strong><\/p>\n

                        \n
                      1. Em c\u00f3 vay mua \u0111i\u1ec7n tho\u1ea1i tr\u1ea3 g\u00f3p t\u1ea1i PPF nh\u01b0ng c\u00f3 thanh to\u00e1n ch\u1eadm 1 v\u00e0i l\u1ea7n c\u00f3 d\u1eabn t\u1edbi b\u1ecb ph\u1ea1t. Xin cho em h\u1ecfi, vi\u1ec7c thanh to\u00e1n ch\u1eadm tr\u1ec5 \u0111\u00f3 em c\u00f3 b\u1ecb r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u kh\u00f4ng? N\u1ebfu b\u1ecb r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u \u0111i\u1ec1u \u0111\u00f3 c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn kh\u1ea3 n\u0103ng vay v\u1ed1n c\u1ee7a em v\u00e0 ng\u01b0\u1eddi th\u00e2n sau n\u00e0y kh\u00f4ng? Em xin c\u1ea3m \u01a1n.<\/em><\/li>\n<\/ol>\n

                        Nguy\u1ec5n Huy\u1ec1n Thu – N\u1eef 36 tu\u1ed5i<\/strong><\/p>\n

                          \n
                        1. T\u00f4i l\u00e0 c\u00f4ng ch\u1ee9c nh\u00e0 n\u01b0\u1edbc, ch\u1ed3ng t\u00f4i l\u00e0m ngo\u00e0i. V\u1ee3 ch\u1ed3ng t\u00f4i thu nh\u1eadp kho\u1ea3ng g\u1ea7n 30 tri\u1ec7u\/th\u00e1ng. T\u00f4i mu\u1ed1n vay mua nh\u00e0. V\u1eady t\u00f4i n\u00ean ch\u1ecdn g\u00f3i vay v\u00e0 h\u00ecnh th\u1ee9c, ng\u00e2n h\u00e0ng n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a t\u00f4i.( T\u00f4i ph\u1ea3i chi ph\u00ed cho gia \u0111\u00ecnh kho\u1ea3ng 12 tri\u1ec7u\/th\u00e1ng r\u1ed1i)<\/em><\/li>\n<\/ol>\n

                          Hi\u1ec7n nay, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u g\u00f3i vay mua nh\u00e0 nh\u01b0 cho vay thanh to\u00e1n h\u1ebft s\u1ed1 ti\u1ec1n nh\u00e0 ngay ho\u1eb7c tr\u1ea3 g\u00f3p trong nhi\u1ec1u n\u0103m theo ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u1edbi thu nh\u1eadp nh\u01b0 c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 vay \u0111\u1ec3 mua nh\u00e0 t\u1ea1i nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u1ea1n n\u00ean li\u00ean h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n.<\/p>\n

                          NGUY\u1ec4N V\u0102N AN – Nam 35 tu\u1ed5i<\/strong><\/p>\n

                            \n
                          1. T\u1ea1i sao c\u00e1c t\u1ed5 ch\u1ee9c cho vay t\u00e0i ch\u00ednh kh\u00f4ng cho ng\u01b0\u1eddi trong l\u1ef1c l\u01b0\u01a1ng v\u0169 trang vay? v\u00ed d\u1ee5: CTTC PRUDETIAL… TPHCM<\/em><\/li>\n<\/ol>\n

                            Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh h\u1ea1n ch\u1ebf \u0111\u1ed1i t\u01b0\u1ee3ng l\u1ef1c l\u01b0\u1ee3ng v\u0169 trong kh\u00f4ng \u0111\u01b0\u1ee3c vay. \u0110\u1ed1i v\u1edbi m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 c\u00f3 th\u1ec3 do c\u00f4ng ty t\u00e0i ch\u00ednh quy \u0111\u1ecbnh ri\u00eang.<\/p>\n

                            Nguy\u1ec5n Huy\u1ec1n Thu – N\u1eef 36 tu\u1ed5i<\/strong><\/p>\n

                              \n
                            1. T\u00f4i l\u00e0 c\u00f4ng ch\u1ee9c nh\u00e0 n\u01b0\u1edbc, ch\u1ed3ng t\u00f4i l\u00e0m ngo\u00e0i. V\u1ee3 ch\u1ed3ng t\u00f4i thu nh\u1eadp kho\u1ea3ng g\u1ea7n 30 tri\u1ec7u\/th\u00e1ng. T\u00f4i mu\u1ed1n vay mua nh\u00e0. V\u1eady t\u00f4i n\u00ean ch\u1ecdn g\u00f3i vay v\u00e0 h\u00ecnh th\u1ee9c, ng\u00e2n h\u00e0ng n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a t\u00f4i.( T\u00f4i ph\u1ea3i chi ph\u00ed cho gia \u0111\u00ecnh kho\u1ea3ng 12 tri\u1ec7u\/th\u00e1ng r\u1ed1i)<\/em><\/li>\n<\/ol>\n

                              Hi\u1ec7n nay, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u g\u00f3i vay mua nh\u00e0 nh\u01b0 cho vay thanh to\u00e1n h\u1ebft s\u1ed1 ti\u1ec1n nh\u00e0 ngay ho\u1eb7c tr\u1ea3 g\u00f3p trong nhi\u1ec1u n\u0103m theo ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. V\u1edbi thu nh\u1eadp nh\u01b0 c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 vay \u0111\u1ec3 mua nh\u00e0 t\u1ea1i nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. B\u1ea1n n\u00ean li\u00ean h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 h\u01a1n.<\/p>\n

                              NGUY\u1ec4N V\u0102N AN – Nam 35 tu\u1ed5i<\/strong><\/p>\n

                              Nguy\u1ec5n Ng\u1ecdc Tu\u00e2n – Nam 35 tu\u1ed5i<\/strong><\/p>\n

                                \n
                              1. Xin h\u1ecfi c\u1ea7n c\u00f3 m\u1ed9t h\u00e0nh lang ph\u00e1p l\u00fd nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh?<\/em><\/li>\n<\/ol>\n

                                Hi\u1ec7n nay vi\u1ec7c t\u1ed5 ch\u1ee9c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1 c\u1ee5 th\u1ec3 trong Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 39\/2014\/N\u0110-CP ng\u00e0y 7\/5\/2014 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

                                Nguy\u1ec5n v\u0103n d\u01b0\u01a1ng – Nam 32 tu\u1ed5i<\/strong><\/p>\n

                                  \n
                                1. T\u00f4i vay ti\u00eau d\u00f9ng c\u00f3 ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n kh\u00f4ng v\u00e0 l\u00e3i su\u1ea5t l\u00e0 bao nhi\u00eau c\u0169ng nh\u01b0 h\u1ea1n m\u1ee9c vay l\u00e0 bao nhi\u00eau \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh?<\/em><\/li>\n<\/ol>\n

                                  Vi\u1ec7c y\u00eau c\u1ea7u ng\u01b0\u1eddi vay c\u00f3 th\u1ebf ch\u1ea5p hay kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 tu\u1ef3 t\u1eebng s\u1ea3n ph\u1ea9m cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t v\u00e0 h\u1ea1n m\u1ee9c r\u1ea5t kh\u00e1c nhau.<\/p>\n

                                   <\/p>\n

                                  nguyenthanhli\u00eam – Nam 39 tu\u1ed5i<\/strong><\/p>\n

                                    \n
                                  1. T\u00f4i l\u00e0m t\u00e0i x\u1ebf t\u1ef1 do kh\u00f4ng h\u1ee3p \u0111\u1ed3ng lao \u0111\u00f4ng.kh\u00f4ng c\u00f3 ch\u1ee9ng minh thu nh\u1eadp. V\u1eady c\u00f3 \u0111\u01b0\u1ee3c vay kh\u00f4ng? T\u00f4i \u1edf TP.HCM.<\/em><\/li>\n<\/ol>\n

                                    Th\u00f4ng th\u01b0\u1eddng c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng y\u00eau c\u1ea7u ng\u01b0\u1eddi vay c\u1ea7n c\u00f3 h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa r\u00f5 r\u00e0ng, ch\u1ee9ng minh \u0111\u01b0\u1ee3c nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c ch\u1ea5p nh\u1eadn cho vay tr\u00ean c\u01a1 s\u1edf c\u0103n c\u1ee9 gi\u00e1n ti\u1ebfp nh\u01b0 ho\u00e1 \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 ch\u1ee9ng minh m\u1ee9c chi ph\u00ed th\u01b0\u1eddng xuy\u00ean v\u00e0 kh\u1ea3 n\u0103ng thu nh\u1eadp h\u00e0ng th\u00e1ng.<\/p>\n

                                    Qu\u1ed1c Kh\u00e1nh – Nam 55 tu\u1ed5i<\/strong><\/p>\n

                                      \n
                                    1. N\u00ean vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh h\u01a1n hay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng thu\u01a1ng m\u1ea1i h\u01a1n? 2. \u0110i\u1ec1u g\u00ec c\u1ea7n ch\u00fa \u00fd nh\u1ea5t trong b\u1ea3n h\u1ee3p \u0111\u1ed3ng vay? 3. N\u00ean vay th\u1eddi h\u1ea1n bao l\u00e2u th\u00ec h\u1ee3p l\u00fd v\u00e0 c\u00f3 l\u1ee3i nh\u1ea5t \u0111\u1ed1i v\u1edbi ngu\u1eddi vay?<\/em><\/li>\n<\/ol>\n

                                      Th\u1ee9 nh\u1ea5t, vay \u1edf \u0111\u00e2u ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 thu\u1eadn ti\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 vi\u1ec7c ch\u1ea5p nh\u1eadn c\u01a1 ch\u1ebf, \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n. Vay ti\u00eau d\u00f9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u01b0\u1eddng ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n ch\u1eb7t ch\u1ebd, ph\u1ee9c t\u1ea1p h\u01a1n n\u00ean l\u00e3i su\u1ea5t th\u01b0\u1eddng th\u1ea5p h\u01a1n so v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

                                       <\/p>\n

                                      Khi vay ti\u00eau d\u00f9ng, c\u1ea7n ch\u00fa \u00fd v\u00e0o m\u1ee9c l\u00e3i su\u1ea5t, c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 kh\u00e1c.<\/p>\n

                                      M\u1eb7t kh\u00e1c, th\u1eddi h\u1ea1n vay c\u00e0ng ng\u1eafn c\u00e0ng t\u1ed1t, n\u1ebfu vay d\u00e0i th\u00ec l\u00e3i su\u1ea5t s\u1ebd cao h\u01a1n v\u00e0 r\u1ee7i ro v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 tr\u1ea3 n\u1ee3 c\u0169ng l\u1edbn h\u01a1n. Tuy nhi\u00ean, c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

                                      Nguy\u1ec5n V\u0103n M\u1ea1nh – Nam 32 tu\u1ed5i<\/strong><\/p>\n

                                        \n
                                      1. N\u1ebfu 1 ng\u01b0\u1eddi trong gia \u0111\u00ecnh c\u00f3 r\u01a1i v\u00e0o n\u1ee3 x\u1ea5u nh\u00f3m 4 th\u00ec c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong h\u1ed9 kh\u1ea9u c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng khi vay v\u1ed1n kh\u00f4ng? Xin c\u1ea3m \u01a1n.<\/em><\/li>\n<\/ol>\n

                                        Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, th\u00ec kho\u1ea3n n\u1ee3 c\u1ee7a c\u00e1 nh\u00e2n n\u00e0y, kh\u00f4ng li\u00ean quan \u0111\u1ebfn kho\u1ea3n n\u1ee3 c\u1ee7a c\u00e1 nh\u00e2n kh\u00e1c trong gia \u0111\u00ecnh ho\u1eb7c c\u00f3 c\u00f9ng h\u1ed9 kh\u1ea9u, n\u1ebfu nh\u01b0 \u0111\u00f3 l\u00e0 c\u00e1c giao d\u1ecbch vay v\u1ed1n \u0111\u1ed9c l\u1eadp. Tuy nhi\u00ean, n\u1ebfu vi\u1ec7c vay v\u1ed1n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u1ee7a h\u1ed9 gia \u0111\u00ecnh ho\u1eb7c c\u00e1c th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh c\u00f3 m\u1ed1i quan h\u1ec7 m\u1eadt thi\u1ebft v\u1edbi nhau nh\u01b0 v\u1ee3 ch\u1ed3ng ch\u1eb3ng h\u1ea1n, th\u00ec s\u1ebd b\u1ecb xem x\u00e9t, \u0111\u00e1nh gi\u00e1 chung, v\u00ec l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n

                                        Ta\u0323 Thi\u0323 Lan – N\u1eef 29 tu\u1ed5i<\/strong><\/p>\n

                                          \n
                                        1. Ta\u0323i sao vay ti\u00eau du\u0300ng la\u0303i su\u00e2\u0301t qua\u0301 cao nh\u01b0 v\u00e2\u0323y? Va\u0300 ta\u0323i sao b\u00ean t\u01b0 v\u00e2\u0301n cu\u0309a ng\u00e2n ha\u0300ng t\u01b0 v\u00e2\u0301n cho kh\u00e1ch la\u0303i su\u00e2\u0301t chi\u0309 la\u0300 1,7%\/tha\u0301ng nh\u01b0ng sau ky\u0301 h\u01a1\u0323p \u0111\u00f4\u0300ng thi\u0300 th\u01b0\u0323c thu l\u00e0 2,91%\/1 tha\u0301ng?<\/em><\/li>\n<\/ol>\n

                                          L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay SXKD, v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0: Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n; ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng h\u1ebft v\u00e0 tr\u1ea3 n\u1ee3 b\u1eb1ng ngu\u1ed3n kh\u00e1c, n\u00ean TCTD kh\u00f3 n\u1eafm b\u1eaft v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n; kho\u1ea3n vay th\u01b0\u1eddng nh\u1ecf, n\u00ean chi ph\u00ed cao; t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f3 x\u1eed l\u00fd, n\u00ean r\u1ee7i ro l\u1edbn;…<\/p>\n

                                          L\u00e3i su\u1ea5t ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng m\u1edbi l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 th\u1ef1c hi\u1ec7n. C\u00f2n m\u1ee9c l\u00e3i su\u1ea5t \u0111\u01b0a ra khi t\u01b0 v\u1ea5n c\u00f3 th\u1ec3 \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng ho\u1eb7c do th\u00f4ng tin t\u01b0 v\u1ea5n kh\u00f4ng ch\u00ednh x\u00e1c.<\/p>\n

                                          L\u00ea Nguy\u1ec5n Loan Ph\u01b0\u1ee3ng – N\u1eef 33 tu\u1ed5i<\/strong><\/p>\n

                                            \n
                                          1. Cho em h\u1ecfi, trong tr\u01b0\u1eddng h\u1ee3p em n\u1ee3 tr\u00ean 3 th\u00e1ng g\u00f3p th\u00ec b\u1ecb c\u00f4ng ty t\u00e0i ch\u00ednh chuy\u1ec3n th\u00e0nh n\u1ee3 x\u1ea5u tr\u00ean h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, v\u1eady khi em tr\u1ea3 h\u1ebft ti\u1ec1n th\u00ec em c\u00f3 b\u1ecb n\u1ee3 x\u1ea5u n\u1eefa kh\u00f4ng? Trong tr\u01b0\u1eddng h\u1ee3p em thanh l\u00fd s\u1edbm em c\u00f3 em c\u00f3 \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i g\u00ec kh\u00f4ng? L\u00e0m sao em bi\u1ebft m\u00ecnh c\u00f2n n\u1ee3 x\u1ea5u v\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c n\u1ee3 x\u1ea5u nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

                                            N\u1ebfu b\u1ea1n \u0111\u00e3 tr\u1ea3 h\u1ebft n\u1ee3 th\u00ec s\u1ebd kh\u00f4ng c\u00f2n n\u1ee3 x\u1ea5u n\u1eefa nh\u01b0ng trong l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng v\u1eabn b\u1ecb ghi nh\u1eadn l\u00e0 t\u1eebng c\u00f3 n\u1ee3 x\u1ea5u. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n thanh l\u00fd h\u1ee3p \u0111\u1ed3ng s\u1edbm th\u00ec s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 l\u00e3i theo th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft.<\/p>\n

                                            Tr\u01b0\u1eddng h\u1ee3p c\u00f3 n\u1ee3 x\u1ea5u s\u1ebd \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00f4ng b\u00e1o v\u00e0 \u0111\u00f4n \u0111\u1ed1c. N\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 th\u00ec ch\u1ec9 c\u00f3 c\u00e1ch tr\u1ea3 \u0111\u00fang th\u1eddi h\u1ea1n m\u1edbi kh\u00f4ng b\u1ecb t\u00ednh l\u00e0 n\u1ee3 x\u1ea5u n\u1eefa.<\/p>\n

                                            Nguy\u1ec5n Xu\u00e2n L\u00e2m – Nam 29 tu\u1ed5i<\/strong><\/p>\n

                                              \n
                                            1. Em vay ti\u00eau d\u00f9ng m\u00e0 ng\u01b0\u1eddi t\u01b0 v\u1ea5n kh\u00f4ng n\u00f3i r\u00f5 l\u00e0 c\u00f3 hay kh\u00f4ng tham gia b\u1ea3o hi\u1ec3m v\u1edbi h\u1ee3p \u0111\u1ed3ng c\u0169ng kh\u00f4ng \u0111\u01b0a. Xin h\u1ecfi c\u00e1c l\u00e3nh \u0111\u1ea1o nh\u01b0 v\u1eady c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                              Tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 do nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u00e3 kh\u00f4ng l\u00e0m \u0111\u00fang tr\u00e1ch nhi\u1ec7m cung c\u1ea5p \u0111\u1ee7 th\u00f4ng tin cho kh\u00e1ch h\u00e0ng. N\u1ebfu kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn k\u00ed h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m th\u00ec \u0111\u1ed3ng th\u1eddi ch\u1ea5p nh\u1eadn \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1eb7t ra. Tuy nhi\u00ean, n\u1ebfu l\u00e0m \u0111\u00fang th\u00ec c\u1ea7n ph\u1ea3i th\u1ec3 hi\u1ec7n r\u00f5 n\u1ed9i dung n\u00e0y trong qu\u00e1 tr\u00ecnh th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 ghi nh\u1eadn trong gi\u1ea5y t\u1edd giao d\u1ecbch gi\u1eefa 2 b\u00ean.<\/p>\n

                                              L\u00ea Thi Hoa – N\u1eef 50 tu\u1ed5i<\/strong><\/p>\n

                                                \n
                                              1. Xin h\u1ecfi:h\u00ecnh th\u1ee9c cho vay ti\u00eau d\u00f9ng c\u00f3 h\u1ee3p ph\u00e1p kh\u00f4ng? V\u00e0 n\u00f3 c\u00f3 t\u1ed3n t\u1ea1i l\u00e2u kh\u00f4ng? d\u00e2n c\u00f3 n\u00ean vay kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                Cho vay ti\u00eau d\u00f9ng l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 cho vay ho\u00e0n to\u00e0n h\u1ee3p ph\u00e1p c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Xu th\u1ebf n\u00e0y s\u1ebd ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n. Vi\u1ec7c quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n hay kh\u00f4ng ho\u00e0n to\u00e0n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

                                                Nguy\u1ec5n V\u0103n L\u1ee3i – Nam 24 tu\u1ed5i<\/strong><\/p>\n

                                                  \n
                                                1. Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0o c\u1ea7n l\u01b0u \u00fd khi vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n:<\/em><\/li>\n<\/ol>\n

                                                  Ngh\u0129a v\u1ee5 quan tr\u1ecdng nh\u1ea5t, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 kh\u00f3 kh\u0103n nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 vi\u1ec7c tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i. V\u00ec v\u1eady, tr\u01b0\u1edbc h\u1ebft ph\u1ea3i n\u1eafm r\u00f5 l\u00e3i su\u1ea5t s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e0 bao nhi\u00eau, c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 \u0111\u00fang h\u1ea1n v\u00e0 qu\u00e1 h\u1ea1n. V\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u1ea3i t\u00ednh t\u1edbi kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u00f3 b\u1ea3o \u0111\u1ea3m kh\u00f4ng. L\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng th\u01b0\u1eddng cao, n\u1ebfu kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec th\u01b0\u1eddng b\u1ecb t\u00ednh l\u00e3i qu\u00e1 h\u1ea1n b\u1eb1ng 150% so v\u1edbi l\u00e3i su\u1ea5t trong h\u1ea1n, \u0111\u00f4i khi c\u00f2n b\u1ecb c\u1ed9ng th\u00eam m\u1ed9t s\u1ed1 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c, s\u1ebd d\u1eabn \u0111\u1ebfn l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 r\u1ea5t cao, c\u00e0ng kh\u00f3 tr\u1ea3 n\u1ee3.<\/p>\n

                                                  Nguy\u1ec5n Th\u1ecb Hoa Qu\u1ebf – N\u1eef 34 tu\u1ed5i<\/strong><\/p>\n

                                                    \n
                                                  1. Nh\u1eefng l\u00fd do khi\u1ebfn vay t\u00edn ch\u1ea5p b\u1ecb t\u1eeb ch\u1ed1i?<\/em><\/li>\n<\/ol>\n

                                                    Kho\u1ea3n vay t\u00edn ch\u1ea5p trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, \u0111\u00fang b\u1ea3n ch\u1ea5t l\u00e0 kho\u1ea3n vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. D\u00f9 cho vay c\u00f3 hay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, th\u00ec TCTD c\u0169ng s\u1ebd t\u1eeb ch\u1ed1i cho vay n\u1ebfu \u0111\u00e1nh gi\u00e1 kho\u1ea3n vay c\u00f3 kh\u1ea3 n\u0103ng r\u1ee7i ro cao v\u01b0\u1ee3t m\u1ee9c c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn, t\u1ee9c cho vay m\u00e0 kh\u00f4ng b\u1ea3o \u0111\u1ea3m vi\u1ec7c thu h\u1ed3i v\u1ed1n vay, kh\u00f4ng b\u1ea3o \u0111\u1ea3m s\u1ef1 an to\u00e0n c\u1ea7n thi\u1ebft khi cho vay. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kho\u1ea3n vay b\u1ecb t\u1eeb ch\u1ed1i l\u00e0 do TCTD kh\u00f4ng c\u00f3 \u0111\u1ee7 th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ef1 t\u00edn nhi\u1ec7m v\u00e0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng vay.<\/p>\n

                                                    Pham Van Vung – Nam 32 tu\u1ed5i<\/strong><\/p>\n

                                                      \n
                                                    1. T\u00f4i ph\u1ea3i \u0111\u1ebfn \u0111\u00e2u n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u1ee7a t\u00f4i c\u00f3 ph\u00e1t sinh v\u01b0\u1edbng m\u1eafc?<\/em><\/li>\n<\/ol>\n

                                                      N\u1ebfu ng\u01b0\u1eddi vay cho r\u1eb1ng m\u00ecnh b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i ch\u00ednh \u0111\u00e1ng, th\u00ec c\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 nh\u01b0: Khi\u1ebfu n\u1ea1i v\u1edbi ch\u00ednh \u0111\u01a1n v\u1ecb cho vay ho\u1eb7c c\u1ea5p tr\u00ean tr\u1ef1c ti\u1ebfp, v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1ec9nh th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng, v\u1edbi C\u01a1 quan qu\u1ea3n l\u00fd c\u1ea1nh tranh v\u00e0 H\u1ed9i b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ng\u01b0\u1eddi vay c\u0169ng c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n \u0111\u1ebfn To\u00e0 \u00e1n nh\u00e2n d\u00e2n c\u1ea5p qu\u1eadn, huy\u1ec7n n\u01a1i c\u00f3 tr\u1ee5 s\u1edf c\u1ee7a TCTD cho vay. N\u1ebfu h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng tho\u1ea3 thu\u1eadn c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1eb1ng Tr\u1ecdng t\u00e0i th\u01b0\u01a1ng m\u1ea1i th\u00ec c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n ra Tr\u1ecdng t\u00e0i.<\/p>\n

                                                      Nguy\u1ec5n Qu\u00e1n Ch\u00ednh – Nam 33 tu\u1ed5i<\/strong><\/p>\n

                                                        \n
                                                      1. T\u00f4i c\u00f3 ph\u1ea3i ch\u1ee9ng minh m\u1ee5c \u0111\u00edch vay?<\/em><\/li>\n<\/ol>\n

                                                        Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi vi\u1ec7c cho vay, gi\u1ea3i ng\u00e2n, qu\u1ea3n l\u00fd kho\u1ea3n vay c\u1ee7a c\u00e1c TCTD c\u0169ng nh\u01b0 vi\u1ec7c s\u1eed d\u1ee5ng v\u1ed1n vay c\u1ee7a kh\u00e1ch h\u00e0ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m \u0111\u00fang m\u1ee5c \u0111\u00edch. Ti\u00eau d\u00f9ng c\u0169ng ch\u00ednh l\u00e0 m\u1ed9t m\u1ee5c \u0111\u00edch vay v\u1ed1n. Tuy nhi\u00ean, n\u1ebfu vay v\u1ed1n v\u1edbi m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng r\u00f5 r\u00e0ng, c\u1ee5 th\u1ec3 nh\u01b0 x\u00e2y, s\u1eeda nh\u00e0, mua ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i, n\u1ed9p h\u1ecdc ph\u00ed, kh\u00e1m ch\u1eefa b\u1ec7nh,\u2026 th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i ch\u1ee9ng minh \u0111\u00fang m\u1ee5c \u0111\u00edch vay v\u1ed1n.<\/p>\n

                                                        Nguy\u1ec5n Th\u1ea3o – Nam<\/strong><\/p>\n

                                                          \n
                                                        1. Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh theo ph\u00e1p lu\u1eadt di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

                                                          Quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh m\u1ed9t kho\u1ea3n vay c\u1ee5 th\u1ec3 do c\u00e1c TCTD t\u1ef1 quy \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf Quy ch\u1ebf cho vay theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1626\/2001\/Q\u0110-NHNN nh\u01b0 sau:<\/p>\n

                                                          \u201c\u0110i\u1ec1u 15. Th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay<\/p>\n

                                                            \n
                                                          1. TCTD x\u00e2y d\u1ef1ng quy tr\u00ecnh x\u00e9t duy\u1ec7t cho vay theo nguy\u00ean t\u1eafc b\u1ea3o \u0111\u1ea3m t\u00ednh \u0111\u1ed9c l\u1eadp v\u00e0 ph\u00e2n \u0111\u1ecbnh r\u00f5 r\u00e0ng tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n, tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e2u th\u1ea9m \u0111\u1ecbnh v\u00e0 quy\u1ebft \u0111\u1ecbnh cho vay.<\/li>\n
                                                          2. TCTD xem x\u00e9t, \u0111\u00e1nh gi\u00e1 t\u00ednh kh\u1ea3 thi, hi\u1ec7u qu\u1ea3 c\u1ee7a d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ecbch v\u1ee5 ho\u1eb7c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, ph\u01b0\u01a1ng \u00e1n ph\u1ee5c v\u1ee5 \u0111\u1eddi s\u1ed1ng v\u00e0 kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 n\u1ee3 vay c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh cho vay.<\/li>\n
                                                          3. TCTD quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 ni\u00eam y\u1ebft c\u00f4ng khai th\u1eddi h\u1ea1n t\u1ed1i \u0111a ph\u1ea3i th\u00f4ng b\u00e1o quy\u1ebft \u0111\u1ecbnh cho vay ho\u1eb7c kh\u00f4ng cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 vay v\u1ed1n v\u00e0 th\u00f4ng tin c\u1ea7n thi\u1ebft c\u1ee7a kh\u00e1ch h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p quy\u1ebft \u0111\u1ecbnh kh\u00f4ng cho vay, TCTD ph\u1ea3i th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng b\u1eb1ng v\u0103n b\u1ea3n, trong \u0111\u00f3 n\u00eau r\u00f5 c\u0103n c\u1ee9 t\u1eeb ch\u1ed1i cho vay.\u201d<\/li>\n<\/ol>\n

                                                            Ph\u1ea1m M\u1ea1nh H\u00f9ng – Nam 30 tu\u1ed5i<\/strong><\/p>\n

                                                              \n
                                                            1. L\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh cao do \u0111\u00e2u?<\/em><\/li>\n<\/ol>\n

                                                              L\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang, cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00f3i chung lu\u00f4n cao h\u01a1n l\u00e3i su\u1ea5t cho vay SXKD, v\u00ec m\u1ed9t lo\u1ea1t l\u00fd do nh\u01b0: Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 cho vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n h\u01a1n ng\u00e2n h\u00e0ng, n\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i cao h\u01a1n; ti\u1ec1n cho kh\u00e1ch h\u00e0ng vay \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng h\u1ebft v\u00e0 tr\u1ea3 n\u1ee3 b\u1eb1ng ngu\u1ed3n kh\u00e1c, n\u00ean TCTD kh\u00f3 n\u1eafm b\u1eaft v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n; kho\u1ea3n vay th\u01b0\u1eddng nh\u1ecf, n\u00ean chi ph\u00ed cao; t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f3 x\u1eed l\u00fd, n\u00ean r\u1ee7i ro l\u1edbn;…<\/p>\n

                                                              \u0110\u1ed7 Nh\u01b0 T\u00f9ng – Nam 37 tu\u1ed5i<\/strong><\/p>\n

                                                                \n
                                                              1. L\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang r\u1ea5t cao, c\u00f3 hai lu\u1ed3ng quan \u0111i\u1ec3m l\u00e0 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t hay \u0111\u1ec3 t\u1ef1 c\u1ea1nh tranh theo th\u1ecb tr\u01b0\u1eddng. V\u1eady \u00fd ki\u1ebfn c\u1ee7a \u00f4ng th\u1ebf n\u00e0o v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/em><\/li>\n<\/ol>\n

                                                                Trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, th\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n, m\u00e0 \u0111\u1ed3ng ti\u1ec1n th\u1ec3 hi\u1ec7n s\u1ee9c kho\u1ebb c\u1ee7a n\u1ec1n kinh t\u1ebf, n\u00ean l\u00e3i su\u1ea5t cao hay th\u1ea5p l\u00e0 do th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh c\u1ee7a n\u1ec1n kinh t\u1ebf quy\u1ebft \u0111\u1ecbnh. Kh\u00f4ng m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0o c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1eb7t ra m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 kh\u00e1c bi\u1ec7t so v\u1edbi th\u1ecb tr\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u0169ng kh\u00f4ng th\u1ec3 \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng ph\u1ea3i vay v\u1ed1n. V\u00ec v\u1eady, mu\u1ed1n gi\u1ea3m l\u00e3i su\u1ea5t th\u00ec ph\u1ea3i t\u00e1c \u0111\u1ed9ng gi\u00e1n ti\u1ebfp v\u00e0o m\u00f4i tr\u01b0\u1eddng kinh doanh, t\u0103ng t\u00ednh c\u1ea1nh tranh gi\u1eefa c\u00e1c TCTD, gi\u1ea3m b\u1edbt r\u1ee7i ro, h\u1ed7 tr\u1ee3 thu h\u1ed3i n\u1ee3 nhanh ch\u00f3ng, ch\u1ee9 kh\u00f4ng n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t. N\u1ebfu \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi quy lu\u1eadt kh\u00e1ch quan c\u1ee7a th\u1ecb tr\u01b0\u1eddng th\u00ec ch\u1ec9 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng l\u00e1ch lu\u1eadt hay vi ph\u1ea1m tr\u00e0n lan, k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng l\u00e0 l\u00e3i su\u1ea5t v\u1eabn kh\u00f4ng gi\u1ea3m th\u1eadt s\u1ef1, th\u1eadm ch\u00ed c\u00f2n t\u0103ng th\u00eam v\u00ec ph\u1ea3i ph\u00e1t sinh c\u00e1c chi ph\u00ed \u0111\u1ed1i ph\u00f3, h\u1ee3p th\u1ee9c ho\u00e1 vi\u1ec7c thu ngo\u00e0i con s\u1ed1 ch\u00ednh th\u1ee9c.<\/p>\n

                                                                \u0110inh Kim S\u01a1n – Nam 41 tu\u1ed5i<\/strong><\/p>\n

                                                                  \n
                                                                1. N\u0103m ngo\u00e1i t\u00f4i c\u00f3 vay c\u1ee7a Home Credit \u0111\u1ec3 mua m\u1ed9t c\u00e1i m\u00e1y t\u00ednh. Do tr\u1ee5c tr\u1eb7c t\u00e0i ch\u00ednh t\u00f4i \u0111\u00f3ng tr\u1ec5 n\u1ee3 nhi\u1ec1u l\u1ea7n. B\u00e2y gi\u1edd t\u00f4i l\u1ea1i \u0111ang c\u00f3 nhu c\u1ea7u vay s\u1eeda sang nh\u00e0 c\u1eeda v\u00ec s\u1eafp \u0111\u1ebfn T\u1ebft r\u1ed3i. V\u1edbi l\u1ecbch s\u1eed vay t\u00edn d\u1ee5ng nh\u01b0 v\u1eady, li\u1ec7u tr\u01b0\u1eddng h\u1ee3p c\u1ee7a t\u00f4i c\u00f3 b\u1ecb \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng x\u1ea5u kh\u00f4ng? T\u00f4i c\u00f3 th\u1ec3 xem \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i b\u1eb1ng c\u00e1ch n\u00e0o? Sau bao l\u00e2u th\u00ec t\u00f4i s\u1ebd l\u1ea1i vay \u0111\u01b0\u1ee3c?<\/em><\/li>\n<\/ol>\n

                                                                  \u0110\u1ed1i v\u1edbi t\u1eebng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec th\u01b0\u1eddng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 ph\u00e2n lo\u1ea1i, x\u1ebfp h\u1ea1ng, \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng, trong \u0111\u00f3 m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 l\u00e0 uy t\u00edn (nh\u01b0 c\u00f3 b\u1ecb n\u1ee3 x\u1ea5u, n\u1ee3 qu\u00e1 h\u1ea1n hay kh\u00f4ng) trong l\u1ecbch s\u1eed quan h\u1ec7 t\u00edn d\u1ee5ng. C\u00f2n theo Quy \u0111\u1ecbnh v\u1ec1 Ph\u00e2n lo\u1ea1i\u00a0\u00a0n\u1ee3, tr\u00edch l\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD, \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 493\/2005\/Q\u0110-NHNN ng\u00e0y 22-4-2005 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung), th\u00ec c\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p tr\u1ea3 n\u1ee3 tr\u1ec5 s\u1ebd b\u1ecb coi l\u00e0 kho\u1ea3n n\u1ee3 x\u1ea5u, nh\u01b0 kho\u1ea3n vay \u0111\u00e3 qu\u00e1 h\u1ea1n t\u1eeb 91 ng\u00e0y tr\u1edf l\u00ean ho\u1eb7c \u0111\u00e3 \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 m\u00e0 l\u1ea1i ti\u1ebfp t\u1ee5c b\u1ecb qu\u00e1 h\u1ea1n ho\u1eb7c kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 b\u1ecb \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c TCTD,\u2026<\/p>\n

                                                                  Ph\u00e1p lu\u1eadt c\u0169ng kh\u00f4ng c\u1ea5m vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng \u201c\u0111\u00f3ng tr\u1ec5 n\u1ee3\u201d n\u00f3i chung ho\u1eb7c c\u00f3 n\u1ee3 x\u1ea5u n\u00f3i ri\u00eang. Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng \u0111ang ho\u1eb7c \u0111\u00e3 t\u1eebng c\u00f3 n\u1ee3 x\u1ea5u th\u00ec s\u1ebd b\u1ecb c\u00e1c TCTD \u0111\u00e1nh gi\u00e1 th\u1ea5p n\u00ean th\u01b0\u1eddng kh\u00f4ng cho vay ho\u1eb7c \u00e1p d\u1ee5ng \u0111i\u1ec1u ki\u1ec7n cho vay ch\u1eb7t ch\u1ebd h\u01a1n. C\u00f2n v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng do t\u1eebng TCTD ch\u1ea5m th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng khai, v\u00ec li\u00ean quan \u0111\u1ebfn c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n l\u00e0 th\u00f4ng tin b\u00ed m\u1eadt c\u1ee7a kh\u00e1ch h\u00e0ng. Ch\u1ec9 khi kh\u00e1ch h\u00e0ng giao d\u1ecbch v\u1edbi TCTD \u0111\u00e3 ch\u1ea5m \u0111i\u1ec3m th\u00ec m\u1edbi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c bi\u1ebft v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh.<\/p>\n

                                                                  Tr\u01b0\u01a1ng Xu\u00e2n H\u00f9ng – Nam 29 tu\u1ed5i<\/strong><\/p>\n

                                                                    \n
                                                                  1. N\u1ebfu trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 \u0111\u00fang h\u1ea1n, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 g\u00ec t\u1eeb ph\u00eda c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                    Tuy thu\u1ed9c v\u00e0o l\u00fd do tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh xem x\u00e9t cho gia h\u1ea1n n\u1ee3 (t\u1ee9c k\u00e9o d\u00e0i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng); cho \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 (t\u1ee9c l\u00e0 thay \u0111\u1ed5i c\u00e1c th\u1eddi h\u1ea1n trong t\u1eebng l\u1ea7n tr\u1ea3 n\u1ee3, nh\u01b0ng gi\u1eef nguy\u00ean th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng); cho mi\u1ec5n gi\u1ea3m n\u1ee3 l\u00e3i, ph\u00ed, ti\u1ec1n ph\u1ea1t. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t gi\u1ea3m n\u1ee3 g\u1ed1c.<\/p>\n

                                                                    Vu Ngoc Anh – Nam 27 tu\u1ed5i<\/strong><\/p>\n

                                                                      \n
                                                                    1. T\u00f4i l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean vay tr\u1ea3 g\u00f3p cho ng\u01b0\u1eddi kh\u00e1c vay v\u1ed1n, nh\u01b0ng gi\u1edd ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 kho\u1ea3n vay \u0111\u00f3 n\u1eefa th\u00ec t\u00f4i ph\u1ea3i l\u00e0m g\u00ec?<\/em><\/li>\n<\/ol>\n

                                                                      X\u00e9t v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u1eabn l\u00e0 c\u1ee7a b\u1ea1n. C\u00f2n quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi kh\u00e1c n\u1eb1m ngo\u00e0i m\u1ed1i quan h\u1ec7 vay v\u1ed1n v\u1edbi TCTD. Tuy nhi\u00ean, n\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u00ec b\u1ea1n c\u0169ng c\u1ea7n \u0111\u1ec1 ngh\u1ecb TCTD l\u00e0m vi\u1ec7c gi\u1eefa 3 b\u00ean (TCTD, ng\u01b0\u1eddi s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 b\u1ea1n) \u0111\u1ec3 ph\u1ed1i h\u1ee3p gi\u1ea3i quy\u1ebft. \u0110\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i y\u00eau c\u1ea7u c\u01a1 quan ph\u00e1p lu\u1eadt x\u1eed l\u00fd, nh\u01b0 t\u1ed1 gi\u00e1c t\u1ed9i ph\u1ea1m v\u1edbi c\u01a1 quan c\u00f4ng an, n\u1ebfu nh\u01b0 ng\u01b0\u1eddi kh\u00e1c c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m t\u1ed9i l\u1eeba \u0111\u1ea3o, l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m,\u2026 ho\u1eb7c kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n y\u00eau c\u1ea7u ng\u01b0\u1eddi li\u00ean quan ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u00e3 tho\u1ea3 thu\u1eadn v\u1edbi b\u1ea1n, n\u1ebfu h\u1ecd vi ph\u1ea1m ngh\u0129a v\u1ee5 theo tho\u1ea3 thu\u1eadn gi\u1eefa hai b\u00ean.<\/p>\n

                                                                      Nguyen Thi Dung – N\u1eef 55 tu\u1ed5i<\/strong><\/p>\n

                                                                        \n
                                                                      1. T\u1ea1i sao t\u00f4i ph\u1ea3i mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay c\u1ee7a m\u00ecnh, t\u00f4i kh\u00f4ng mua c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                        Ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng r\u1ee7i ro r\u1ea5t cao, v\u00ec v\u1eady c\u1ea7n th\u1ef1c hi\u1ec7n nghi\u00eam t\u00fac c\u00e1c \u0111i\u1ec1u ki\u1ec7n, th\u1ee7 t\u1ee5c cho vay, \u0111\u1ed3ng th\u1eddi th\u01b0\u1eddng ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay \u0111\u1ec3 x\u1eed l\u00fd, thu h\u1ed3i n\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. V\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n vay, \u0111\u00f3 l\u00e0 mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay, nh\u1ea5t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p cho vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m. Tuy ph\u00e1p lu\u1eadt kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi vi\u1ec7c tham gia lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi kho\u1ea3n ti\u1ec1n cho vay, nh\u01b0ng n\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u1ed3ng \u00fd mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y (theo tho\u1ea3 thu\u1eadn), th\u00ec c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c TCTD ch\u1ea5p nh\u1eadn vi\u1ec7c cho vay.<\/p>\n

                                                                        Nguy\u1ec5n V\u0103n Ti\u1ebfn – Nam 37 tu\u1ed5i<\/strong><\/p>\n

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                                                                        1. T\u00f4i v\u1eeba l\u00e0m h\u1ee3p \u0111\u1ed3ng v\u1edbi HD SAISON \u0111\u1ec3 mua m\u1ed9t chi\u1ebfc xe m\u00e1y tr\u1ea3 g\u00f3p cho con trai \u0111i h\u1ecdc. Xin Lu\u1eadt s\u01b0 cho t\u00f4i bi\u1ebft n\u1ebfu trong tr\u01b0\u1eddng h\u1ee3p t\u00f4i tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n m\u00e0 c\u00f3 l\u00fd do th\u00ec c\u00f3 b\u1ecb x\u1eed l\u00fd kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                          Vi\u1ec7c tr\u1ea3 n\u1ee3 kh\u00f4ng \u0111\u00fang h\u1ea1n l\u00e0 vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 s\u1ebd b\u1ecb x\u1eed l\u00fd theo c\u00e1c ch\u1ebf t\u00e0i m\u00e0 hai b\u00ean vay v\u00e0 cho vay \u0111\u00e3 tho\u1ea3 thu\u1eadn c\u0169ng nh\u01b0 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Tuy nhi\u00ean, n\u1ebfu c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng (nh\u01b0 b\u1ecb ho\u1ea3 ho\u1ea1n, \u1ed1m \u0111au, t\u1ed5n th\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh,\u2026) th\u00ec tu\u1ef3 theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, \u0111\u01a1n v\u1ecb cho vay s\u1ebd xem x\u00e9t cho gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n n\u1ee3, mi\u1ec5n gi\u1ea3m ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3.<\/p>\n

                                                                          ——————————<\/p>\n

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                                                                          1. H\u1ee3p \u0111\u1ed3ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh hi\u1ec7n nay kh\u00e1 d\u00e0i, ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng c\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec3m n\u00e0o trong h\u1ee3p \u0111\u1ed3ng?<\/em><\/li>\n<\/ol>\n

                                                                            Ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o m\u1ea5y n\u1ed9i dung quan tr\u1ecdng nh\u1ea5t, \u0111\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n vay, l\u00e3i su\u1ea5t trong h\u1ea1n, l\u00e3i su\u1ea5t h\u1ea1n, c\u00e1c kho\u1ea3n ph\u00ed, chi ph\u00ed kh\u00e1c (n\u1ebfu c\u00f3), c\u00e1c k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 v\u00e0 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng. \u0110\u1eb7c bi\u1ec7t, do th\u1eddi h\u1ea1n vay v\u1ed1n kh\u00e1 d\u00e0i, n\u00ean c\u1ea7n ph\u1ea3i ch\u00fa \u00fd \u0111\u1ebfn c\u00e1ch th\u1ee9c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t (c\u1ed1 \u0111\u1ecbnh hay thay \u0111\u1ed5i, hay g\u00f2n g\u1ecdi l\u00e0 th\u1ea3 n\u1ed5i, v\u00e0 thay \u0111\u1ed5i th\u00ec d\u1ef1a tr\u00ean c\u0103n c\u1ee9 hay c\u00f4ng th\u1ee9c n\u00e0o), v\u00ec c\u00f3 kh\u1ea3 n\u0103ng l\u00e3i su\u1ea5t b\u1ecb bi\u1ebfn \u0111\u1ed9ng r\u1ea5t l\u1edbn, nh\u1ea5t l\u00e0 tr\u01b0\u1eddng h\u1ee3p t\u0103ng r\u1ea5t cao so v\u1edbi tho\u1ea3 thu\u1eadn hay d\u1ef1 t\u00ednh ban \u0111\u1ea7u.<\/p>\n

                                                                              \n
                                                                            1. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng c\u1ea7n c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng? Theo \u00f4ng \u0111\u00f3 c\u1ee5 th\u1ec3 l\u00e0 nh\u1eefng tr\u00e1ch nhi\u1ec7m g\u00ec?<\/em><\/li>\n<\/ol>\n

                                                                              Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 473 v\u1ec1 \u201c<\/a><\/a><\/a>Ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 v\u00e0 \u0110i\u1ec1u 25 v\u1ec1 \u201cQuy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u201d, Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNNng\u00e0y 31-12-2001 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung), th\u00ec v\u1edbi t\u01b0 c\u00e1ch l\u00e0 b\u00ean cho vay, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng ph\u1ea3i c\u00f3 c\u00e1c tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. \u0110\u00f3 l\u00e0 th\u1ef1c hi\u1ec7n \u0111\u00fang tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (nh\u01b0 gi\u1ea3i ng\u00e2n cho b\u00ean vay \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, th\u1eddi h\u1ea1n hay ch\u1ec9 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i ti\u1ec1n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1ntheo \u0111\u00fang tho\u1ea3 thu\u1eadn).\u00a0 Ngo\u00e0i ra, theo c\u00e1c nguy\u00ean t\u1eafc chung c\u1ee7a giao d\u1ecbch h\u1ee3p \u0111\u1ed3ng, th\u00ec b\u00ean cho vay c\u0169ng c\u00f3 tr\u00e1ch nhi\u1ec7m thi\u1ec7n ch\u00ed, h\u1ee3p t\u00e1c, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho kh\u00e1ch h\u00e0ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n.<\/p>\n

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                                                                              1. Khi vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, ng\u01b0\u1eddi vay ti\u1ec1n c\u00f3 quy\u1ec1n, tr\u00e1ch nhi\u1ec7m v\u00e0 ngh\u0129a v\u1ee5 c\u1ee5 th\u1ec3 l\u00e0 g\u00ec?<\/em><\/li>\n<\/ol>\n

                                                                                Ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng hi\u1ec7n nay c\u0169ng gi\u1ed1ng nh\u01b0 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi vay v\u1ed1n c\u1ee7a c\u00e1c TCTD n\u00f3i chung. C\u1ee5 th\u1ec3 l\u00e0 theo Quy ch\u1ebf Cho vay c\u1ee7a TCTD \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1627\/2001\/Q\u0110-NHNN nh\u01b0 sau:<\/p>\n

                                                                                Kh\u00e1ch h\u00e0ng vay c\u00f3 quy\u1ec1n:T\u1eeb ch\u1ed1i c\u00e1c y\u00eau c\u1ea7u c\u1ee7a TCTD kh\u00f4ng \u0111\u00fang v\u1edbi c\u00e1c tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng; khi\u1ebfu n\u1ea1i, kh\u1edfi ki\u1ec7n vi\u1ec7c vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;<\/p>\n

                                                                                \u0110\u1ed3ng th\u1eddi, kh\u00e1ch h\u00e0ng vay c\u00f3 ngh\u0129a v\u1ee5:Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, trung th\u1ef1c c\u00e1c th\u00f4ng tin, t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c th\u00f4ng tin, t\u00e0i li\u1ec7u \u0111\u00e3 cung c\u1ea5p; s\u1eed d\u1ee5ng v\u1ed1n vay \u0111\u00fang m\u1ee5c \u0111\u00edch, th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1c n\u1ed9i dung \u0111\u00e3 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 c\u00e1c cam k\u1ebft kh\u00e1c; tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i v\u1ed1n vay theo tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng; ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc ph\u00e1p lu\u1eadt khi kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang nh\u1eefng tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 n\u1ee3 vay v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c nghia v\u1ee5 b\u1ea3o \u0111\u1ea3m n\u1ee3 vay \u0111\u00e3 cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n

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                                                                                1. Ngo\u00e0i kho\u1ea3n vay ph\u1ea3i tr\u1ea3 g\u1ed1c l\u00e3i h\u1eb1ng th\u00e1ng t\u00f4i c\u00f2n ph\u1ea3i tr\u1ea3 kho\u1ea3n ph\u00ed n\u00e0o n\u1eefa kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                                  Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, th\u00ec \u0111\u1ed1i v\u1edbi cho vay ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n (th\u1ef1c ch\u1ea5t \u0111\u00e2y l\u00e0 kho\u1ea3n ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n cho th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft vay v\u1ed1n theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005). Tuy nhi\u00ean, c\u00e1c TCTD c\u00f3 th\u1ec3 thu m\u1ed9t s\u1ed1 kho\u1ea3n ph\u00ed kh\u00e1c nh\u01b0 ph\u00ed tr\u01b0\u1edbc khi gi\u1ea3i ng\u00e2n, nh\u01b0 th\u1ea9m \u0111\u1ecbnh, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, ph\u00ed c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c v\u00e0 \u0111\u0103ng k\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m). Sau khi gi\u1ea3i ng\u00e2n th\u00ec c\u0169ng c\u00f3 th\u1ec3 c\u00f3 TCTD thu m\u1ed9t s\u1ed1 kho\u1ea3n ph\u00ed nh\u01b0 ph\u00ed gia h\u1ea1n n\u1ee3, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3,\u2026<\/p>\n

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                                                                                  1. T\u00f4i l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean vay tr\u1ea3 g\u00f3p cho ng\u01b0\u1eddi kh\u00e1c vay v\u1ed1n, nh\u01b0ng gi\u1edd ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 kho\u1ea3n vay \u0111\u00f3 n\u1eefa th\u00ec t\u00f4i ph\u1ea3i l\u00e0m g\u00ec?<\/em><\/li>\n<\/ol>\n

                                                                                    X\u00e9t v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u1eabn l\u00e0 c\u1ee7a b\u1ea1n. C\u00f2n quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi kh\u00e1c n\u1eb1m ngo\u00e0i m\u1ed1i quan h\u1ec7 vay v\u1ed1n v\u1edbi TCTD. Tuy nhi\u00ean, n\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u00ec b\u1ea1n c\u0169ng c\u1ea7n \u0111\u1ec1 ngh\u1ecb TCTD l\u00e0m vi\u1ec7c gi\u1eefa 3 b\u00ean (TCTD, ng\u01b0\u1eddi s\u1eed d\u1ee5ng v\u1ed1n vay v\u00e0 b\u1ea1n) \u0111\u1ec3 ph\u1ed1i h\u1ee3p gi\u1ea3i quy\u1ebft. \u0110\u1ed3ng th\u1eddi c\u1ea7n ph\u1ea3i y\u00eau c\u1ea7u c\u01a1 quan ph\u00e1p lu\u1eadt x\u1eed l\u00fd, nh\u01b0 t\u1ed1 gi\u00e1c t\u1ed9i ph\u1ea1m v\u1edbi c\u01a1 quan c\u00f4ng an, n\u1ebfu nh\u01b0 ng\u01b0\u1eddi kh\u00e1c c\u00f3 d\u1ea5u hi\u1ec7u ph\u1ea1m t\u1ed9i l\u1eeba \u0111\u1ea3o, l\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m,\u2026 ho\u1eb7c kh\u1edfi ki\u1ec7n ra To\u00e0 \u00e1n y\u00eau c\u1ea7u ng\u01b0\u1eddi li\u00ean quan ph\u1ea3i th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 \u0111\u00e3 tho\u1ea3 thu\u1eadn v\u1edbi b\u1ea1n, n\u1ebfu h\u1ecd vi ph\u1ea1m ngh\u0129a v\u1ee5 theo tho\u1ea3 thu\u1eadn gi\u1eefa hai b\u00ean.<\/p>\n

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                                                                                    1. Hi\u1ec7n t\u1ea1i t\u00f4i \u0111ang vay th\u1ebf ch\u1ea5p, v\u1eady t\u00f4i c\u00f3 \u0111\u01b0\u1ee3c vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n n\u1eefa kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                                      Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh n\u00e0o c\u1ee7a ph\u00e1p lu\u1eadt h\u1ea1n ch\u1ebf vi\u1ec7c m\u1ed9t ng\u01b0\u1eddi vay v\u1ed1n nhi\u1ec1u n\u01a1i v\u00e0 nhi\u1ec1u kho\u1ea3n vay kh\u00e1c nhau, k\u1ec3 c\u1ea3 vi\u1ec7c vay v\u1ed1n SXKD hay ti\u00eau d\u00f9ng, vi\u1ec7c vay v\u1ed1n c\u00f3 hay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. T\u1ea5t c\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n v\u00e0 vi\u1ec7c TCTD \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

                                                                                        \n
                                                                                      1. Kh\u00f4ng c\u00f3 h\u1ed9 kh\u1ea9u KT3 c\u00f3 vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/li>\n<\/ol>\n

                                                                                        Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 h\u1ed9 kh\u1ea9u c\u00f9ng \u0111\u1ecba b\u00e0n v\u1edbi TCTD cho vay, ngo\u1ea1i tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t, nh\u01b0 vi\u1ec7c Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n cho vay c\u00e1c h\u1ed9 ngh\u00e8o kh\u00f4ng ph\u1ea3i l\u00e0 th\u00e0nh vi\u00ean, th\u00ec ph\u1ea3i c\u00f3 h\u1ed9 kh\u1ea9u v\u00e0 th\u01b0\u1eddng tr\u00fa tr\u00ean \u0111\u1ecba b\u00e0n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 37 v\u1ec1 \u201cHo\u1ea1t \u0111\u1ed9ng cho vay\u201d, Th\u00f4ng t\u01b0 s\u1ed1 04\/2015\/TT-NHNN ng\u00e0y 31-5-2015, c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN Quy \u0111\u1ecbnh v\u1ec1 Qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n.<\/p>\n

                                                                                        Tuy nhi\u00ean, c\u00e1c TCTD th\u01b0\u1eddng kh\u00f4ng cho vay \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u00f4ng c\u00f3 h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa ho\u1eb7c t\u1ea1m tr\u00fa (KT3) tr\u00ean c\u00f9ng \u0111\u1ecba b\u1ea3n, v\u00ec kh\u00f3 theo d\u00f5i, qu\u1ea3n l\u00fd kh\u00e1ch h\u00e0ng, nh\u1ea5t l\u00e0 khi ph\u1ea3i kh\u1edfi ki\u1ec7n ra To\u00e0 \u0111\u00f2i n\u1ee3 th\u00ec ph\u1ea3i ki\u1ec7n t\u1ea1i n\u01a1i th\u01b0\u1eddng tr\u00fa ho\u1eb7c t\u1ea1m tr\u00fa d\u00e0i h\u1ea1n c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n

                                                                                          \n
                                                                                        1. Hi\u1ec7n ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn \u0111ang ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t vay cao. T\u00f4i cho r\u1eb1ng NHNN c\u1ea7n c\u00f3 bi\u1ec7n ph\u00e1p \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n. \u00dd ki\u1ebfn c\u1ee7a \u00f4ng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/li>\n<\/ol>\n

                                                                                          L\u00e3i su\u1ea5t trong nhi\u1ec1u n\u0103m nay v\u1ec1 c\u01a1 b\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ef1 do ho\u00e1 theo th\u1ecb tr\u01b0\u1eddng. V\u1edbi m\u1ea1ng l\u01b0\u1edbi c\u00e1c TCTD d\u00e0y \u0111\u1eb7c v\u00e0 th\u1eadt s\u1ef1 c\u1ea1nh tranh th\u1eadt s\u1ef1nh\u01b0 hi\u1ec7n nay, th\u00ec nh\u00ecn chung, l\u00e3i su\u1ea5t \u0111ang ph\u1ea3n \u00e1nh \u0111\u00fang m\u1eb7t b\u1eb1ng gi\u00e1 c\u1ea3 th\u1ecb tr\u01b0\u1eddng, ngo\u1ea1i tr\u1eeb m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p b\u1ea5t th\u01b0\u1eddng. V\u00ec v\u1eady, kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i \u00e1p \u0111\u1eb7t tr\u1ea7n l\u00e3i su\u1ea5t. Ho\u1eb7c c\u00f3 \u00e1p \u0111\u1eb7t th\u00ec c\u0169ng ch\u1ec9 l\u00e0 h\u00ecnh th\u1ee9c, v\u00ec ph\u1ea3i l\u00e0 tr\u1ea7n r\u1ea5t cao v\u00e0 \u0111\u1eb7c bi\u1ec7t g\u1ea7n nh\u01b0 kh\u00f4ng ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c vi\u1ec7c l\u00e1ch lu\u1eadt theo h\u01b0\u1edbng ph\u1ea3n \u00e1nh \u0111\u00fang quy lu\u1eadt cung c\u1ea7u th\u1ecb tr\u01b0\u1eddng.<\/p>\n

                                                                                          B\u00e1o D\u00e2n tr\u00ed\u00a0 ng\u00e0y 26-10-2015:<\/em><\/strong>","protected":false},"excerpt":{"rendered":"

                                                                                          (DT) – Giao l\u01b0u v\u1edbi b\u1ea1n \u0111\u1ecdc B\u00e1o D\u00e2n tr\u00ed 14-16h ng\u00e0y 26-10-2015: \u0110\u00e0o Duy Xu\u00e2n – Nam 27 tu\u1ed5i C\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 g\u00ec gi\u1ed1ng v\u00e0 kh\u00e1c? Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c- Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng […]<\/p>\n","protected":false},"author":1,"featured_media":21098,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n871. 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