{"id":21164,"date":"2014-06-09T17:37:42","date_gmt":"2014-06-09T10:37:42","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=21164"},"modified":"2022-05-13T18:25:06","modified_gmt":"2022-05-13T11:25:06","slug":"510-co-de-the-chap-nha-tuong-lai-de-vay-von","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/510-co-de-the-chap-nha-tuong-lai-de-vay-von\/","title":{"rendered":"510. C\u00f3 d\u1ec5 th\u1ebf ch\u1ea5p nh\u00e0 t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n?"},"content":{"rendered":"

(TP) – T\u1edbi \u0111\u00e2y, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 d\u00f9ng nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i, nh\u00e0 x\u00e3 h\u1ed9i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 th\u1ebf ch\u1ea5p vay v\u1ed1n ng\u00e2n h\u00e0ng. Tuy quy \u0111\u1ecbnh th\u1ebf, nh\u01b0ng vi\u1ec7c th\u1ef1c hi\u1ec7n c\u0169ng kh\u00f4ng \u0111\u01a1n gi\u1ea3n. \u0110\u1eb7c bi\u1ec7t, c\u00e1c ng\u00e2n h\u00e0ng lo ng\u1ea1i r\u1ee7i ro c\u00f3 th\u1ebf x\u1ea3y ra trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang bi\u1ebfn \u0111\u1ed9ng.<\/strong><\/p>\n\n\n\n\n
\"C\u00e1c<\/em><\/td>\n<\/tr>\n
C\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u e ng\u1ea1i v\u1edbi vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai (\u1ea3nh minh h\u1ecda m\u1ed9t d\u1ef1 \u00e1n \u0111ang h\u00ecnh th\u00e0nh). \u1ea2nh: Nh\u01b0 \u00dd<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

C\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 v\u00e0o cu\u1ed9c?<\/strong><\/p>\n

Theo th\u00f4ng t\u01b0 li\u00ean t\u1ecbch, \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i nguy\u00ean M\u00f4i tr\u01b0\u1eddng, B\u1ed9 X\u00e2y d\u1ef1ng k\u00fd ban h\u00e0nh m\u1edbi \u0111\u00e2y, t\u1eeb 16\/6, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 d\u00f9ng t\u00e0i s\u1ea3n l\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i v\u00e0 nh\u00e0 \u1edf x\u00e3 h\u1ed9i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n. C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd cho ng\u01b0\u1eddi d\u00e2n vay v\u1ed1n, khi nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n n\u00e0y, \u0111\u1ec3 mua ch\u00ednh nh\u00e0 \u1edf \u0111\u00f3 ho\u1eb7c mua nh\u00e0 \u1edf kh\u00e1c c\u1ee7a doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n trong d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng nh\u00e0 \u1edf.<\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u01a1 quan so\u1ea1n th\u1ea3o, quy \u0111\u1ecbnh n\u00e0y nh\u1eb1m \u0111\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1eadp trung, g\u00f3p ph\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Vi\u1ec7c cho th\u1ebf ch\u1ea5p c\u00e1c t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u0169ng s\u1ebd t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi d\u00e2n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n \u0111\u1ec3 mua nh\u00e0, \u1ed5n \u0111\u1ecbnh ch\u1ed7 \u1edf.<\/p>\n

Tuy nhi\u00ean, th\u00f4ng t\u01b0 kh\u00f4ng \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ed1i v\u1edbi vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean khu\u00f4n vi\u00ean \u0111\u1ea5t (thu\u1ed9c quy\u1ec1n s\u1eed d\u1ee5ng h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh \u0111\u1ec3 vay v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng).<\/p>\n

V\u1ec1 vi\u1ec7c cho ng\u01b0\u1eddi d\u00e2n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh h\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng, \u00f4ng Nguy\u1ec5n Qu\u1ed1c Kh\u00e1nh, Gi\u00e1m \u0111\u1ed1c CTCP \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e2n ph\u1ed1i DTJ cho r\u1eb1ng: Quy \u0111\u1ecbnh n\u00e0y s\u1ebd gi\u00fap thanh kho\u1ea3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u0103ng l\u00ean.<\/p>\n

Tuy nhi\u00ean, hi\u1ec7u qu\u1ea3 s\u1ebd ch\u1ec9 c\u00f3 khi c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c s\u1ef1 nh\u1eadp cu\u1ed9c. \u201cC\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u00e3 c\u00f3 \u00edt nh\u1ea5t 30% ti\u1ec1n c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng n\u1eb1m trong \u0111\u00f3. V\u00ec v\u1eady, ng\u00e2n h\u00e0ng cho vay c\u0169ng kh\u00f4ng ph\u1ea3i qu\u00e1 lo l\u1eafng v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u1ee3 x\u1ea5u khi th\u1ef1c hi\u1ec7n nh\u1eadn th\u1ebf ch\u1ea5p s\u1ed1 t\u00e0i s\u1ea3n m\u1edbi h\u00ecnh th\u00e0nh tr\u00ean gi\u1ea5y n\u00e0y\u201d, \u00f4ng Kh\u00e1nh cho bi\u1ebft.<\/p>\n

C\u1ea7m dao \u0111\u1eb1ng l\u01b0\u1ee1i<\/strong><\/p>\n

Theo Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf, Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng), trong nhi\u1ec1u n\u0103m qua, c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 d\u1ef1a qu\u00e1 nhi\u1ec1u v\u00e0o ngu\u1ed3n v\u1ed1n vay t\u00edn d\u1ee5ng.<\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, khi th\u1ecb tr\u01b0\u1eddng \u0111\u00f3ng b\u0103ng, gi\u00e1 tr\u1ecb c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng b\u1ecb suy gi\u1ea3m m\u1ea1nh. Kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1ecb m\u1eafc k\u1eb9t v\u1edbi s\u1ed1 n\u1ee3 x\u1ea5u ph\u00e1t sinh t\u1eeb kh\u1ed1i t\u00e0i s\u1ea3n (l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c c\u00e1c doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc \u0111\u00f3). Do \u0111\u00f3, vi\u1ec7c ti\u1ebfp th\u00eam v\u1ed1n cho nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai r\u1ea5t kh\u00f3.<\/p>\n

\u201cN\u1ebfu th\u1ef1c hi\u1ec7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nguy c\u01a1 t\u1ee5t gi\u1ea3m v\u1ec1 gi\u00e1, t\u00ednh thanh kho\u1ea3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng. Ch\u01b0a k\u1ec3 y\u1ebfu t\u1ed1 n\u0103ng l\u1ef1c c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. Ch\u1ec9 c\u1ea7n ch\u1ee7 \u0111\u1ea7u t\u01b0 ch\u1eadm ti\u1ebfn \u0111\u1ed9 ho\u1eb7c kh\u00f4ng c\u00f3 n\u0103ng l\u1ef1c ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n, ng\u00e2n h\u00e0ng s\u1ebd ch\u1ebft l\u00e2y v\u1edbi c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a kh\u00e1ch h\u00e0ng\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

\u0110\u1ea1i di\u1ec7n ph\u00e1p ch\u1ebf c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n t\u1ea1i H\u00e0 N\u1ed9i c\u0169ng cho r\u1eb1ng, d\u00f9 lu\u1eadt cho ph\u00e9p, nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng d\u1ec5 d\u00e0ng gi\u1ea3i ng\u00e2n cho c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n d\u1ea1ng n\u00e0y. V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t, khi th\u1ef1c hi\u1ec7n nh\u1eadn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ch\u00ednh l\u00e0 thanh kho\u1ea3n c\u1ee7a c\u00e1c t\u00e0i s\u1ea3n \u0111\u00f3.<\/p>\n

\u201cTrong b\u1ed1i c\u1ea3nh kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n \u0111ang ph\u1ea3i kh\u1ed5 s\u1edf v\u1edbi c\u00e1c d\u1ef1 \u00e1n r\u00f9a, d\u1ef1 \u00e1n ch\u1eadm ti\u1ebfn \u0111\u1ed9 nhi\u1ec1u n\u0103m nay nh\u01b0 Usilk City c\u1ee7a S\u00f4ng \u0110\u00e0 Th\u0103ng Long, hay \u0111\u1ed1i m\u1eb7t v\u1edbi h\u00e0ng lo\u1ea1t d\u1ef1 \u00e1n c\u00f3 d\u1ea5u hi\u1ec7u l\u1eeba \u0111\u1ea3o kh\u00e1ch h\u00e0ng c\u1ee7a Cty C\u1ed5 ph\u1ea7n AZ Land t\u1ea1i c\u00e1c d\u1ef1 \u00e1n H\u00f9ng V\u01b0\u01a1ng, chung c\u01b0 CT1 V\u00e2n Canh\u2026, vi\u1ec7c ng\u00e2n h\u00e0ng \u0111\u1ed5 th\u00eam v\u1ed1n \u0111\u1ec3 nh\u1eadn c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai kh\u00f4ng \u0111\u01a1n gi\u1ea3n\u201d, v\u1ecb n\u00e0y nh\u1eadn \u0111\u1ecbnh.<\/p>\n

\u0110\u1ea1i di\u1ec7n m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i H\u00e0 N\u1ed9i cho r\u1eb1ng, vi\u1ec7c cho giao d\u1ecbch, th\u1ebf ch\u1ea5p nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai kh\u00f4ng kh\u00e1c g\u00ec c\u1ea7m dao \u0111\u1eb1ng l\u01b0\u1ee1i. V\u1edbi nh\u1eefng quy \u0111\u1ecbnh l\u1ecfng l\u1ebbo, kh\u00f4ng r\u00f5 r\u00e0ng v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 nh\u01b0 hi\u1ec7n nay, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro s\u1ebd c\u00e0ng t\u0103ng cao, c\u1ea3 v\u1edbi ng\u01b0\u1eddi th\u1ebf ch\u1ea5p v\u00e0 ng\u00e2n h\u00e0ng.Ch\u00ednh v\u00ec v\u1eady, nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng m\u1eb7n m\u00e0, th\u1eadm ch\u00ed kh\u00f4ng s\u1eb5n s\u00e0ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay n\u00e0y.<\/p>\n

Theo v\u1ecb \u0111\u1ea1i di\u1ec7n n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 b\u1ecb ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p khi d\u1ef1 \u00e1n b\u1ecb ch\u1eadm ti\u1ebfn \u0111\u1ed9 ho\u1eb7c gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n gi\u1ea3m m\u1ea1nh do th\u1ecb tr\u01b0\u1eddng \u0111\u00f3ng b\u0103ng. Th\u1eadm ch\u00ed, vi\u1ec7c b\u1ed5 sung t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u0169ng x\u1ea3y ra khi gi\u00e1 b\u00e1n c\u1ee7a c\u0103n h\u1ed9 b\u1ecb gi\u1ea3m do ch\u00ednh ch\u1ee7 \u0111\u1ea7u t\u01b0 gi\u1ea3m gi\u00e1 b\u00e1n. N\u1ebfu kh\u00e1ch kh\u00f4ng b\u1ed5 sung \u0111\u01b0\u1ee3c v\u1ed1n th\u1ebf ch\u1ea5p s\u1ebd c\u00f3 th\u1ec3 b\u1ecb ng\u00e2n h\u00e0ng ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n v\u00e0 b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n

\u201cV\u1edbi nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a th\u00f4ng t\u01b0 hi\u1ec7n nay, \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 li\u00ean quan nh\u1ea5t \u0111\u1ebfn vi\u1ec7c th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u00ec (quy \u0111\u1ecbnh) ngh\u0129a v\u1ee5 l\u1ea1i r\u1ea5t m\u1edd nh\u1ea1t. \u0110\u00e2y l\u00e0 nh\u1eefng r\u1ee7i ro\u201d, \u00f4ng ph\u00e2n t\u00edch.<\/p>\n

Theo B\u1ed9 X\u00e2y d\u1ef1ng, t\u1ed5ng gi\u00e1 tr\u1ecb t\u1ed3n kho b\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1ea7n 92.700 t\u1ef7 \u0111\u1ed3ng. Trong \u0111\u00f3, chung c\u01b0 t\u1ed3n kho\u1ea3ng 19.210 c\u0103n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 28.582 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

T\u1ed3n kho \u0111\u1ea5t n\u1ec1n nh\u00e0 \u1edf kho\u1ea3ng h\u01a1n 9 tri\u1ec7u m2, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 33.880 t\u1ef7 \u0111\u1ed3ng. C\u00f2n theo NHNN, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0, kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf m\u1ee9c 266.728 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 1,8% so v\u1edbi th\u1eddi \u0111i\u1ec3m 31\/12\/2013.<\/p><\/blockquote>\n

Ph\u1ea1m Tuy\u00ean<\/span><\/strong><\/div>\n<\/div>\n

——————<\/p>\n

Ti\u1ec1n Phong (Kinh t\u1ebf) 09-6-2014:<\/em><\/strong><\/p>\n

http:\/\/www.tienphong.vn\/Kinh-Te\/co-de-the-chap-nha-tuong-lai-de-vay-von-714714.tpo<\/em><\/p>\n

(187\/1.097)<\/em>","protected":false},"excerpt":{"rendered":"

(TP) – T\u1edbi \u0111\u00e2y, ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 d\u00f9ng nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i, nh\u00e0 x\u00e3 h\u1ed9i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 th\u1ebf ch\u1ea5p vay v\u1ed1n ng\u00e2n h\u00e0ng. Tuy quy \u0111\u1ecbnh th\u1ebf, nh\u01b0ng vi\u1ec7c th\u1ef1c hi\u1ec7n c\u0169ng kh\u00f4ng \u0111\u01a1n gi\u1ea3n. \u0110\u1eb7c bi\u1ec7t, c\u00e1c ng\u00e2n h\u00e0ng lo ng\u1ea1i r\u1ee7i ro c\u00f3 th\u1ebf x\u1ea3y ra trong b\u1ed1i […]<\/p>\n","protected":false},"author":10,"featured_media":21184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-21164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n510. 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