{"id":22470,"date":"2013-07-26T14:36:09","date_gmt":"2013-07-26T07:36:09","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22470"},"modified":"2022-05-20T14:45:51","modified_gmt":"2022-05-20T07:45:51","slug":"310-vay-tai-chinh-tieu-dung-lai-suat-toi-72-mot-nam","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/310-vay-tai-chinh-tieu-dung-lai-suat-toi-72-mot-nam\/","title":{"rendered":"310. Vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t t\u1edbi 72% m\u1ed9t n\u0103m"},"content":{"rendered":"(VNE) – Ch\u1ecb Thanh vay 30 tri\u1ec7u \u0111\u1ed3ng v\u00e0 ch\u1ea5p nh\u1eadn tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 6% m\u1ed9t th\u00e1ng v\u00ec nhu c\u1ea7u b\u1ee9c thi\u1ebft, nh\u01b0ng t\u1edbi khi b\u1eaft \u0111\u1ea7u thanh to\u00e1n m\u1edbi th\u1ea5y x\u00f3t xa.<\/strong><\/em><\/p>\n

Cu\u1ed1i n\u0103m 2012, ch\u1ecb Thanh (B\u00ecnh D\u01b0\u01a1ng) vay tr\u1ea3 g\u00f3p c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng PPF 30 tri\u1ec7u \u0111\u1ed3ng, th\u1eddi h\u1ea1n 24 th\u00e1ng. \u0110\u00e2y l\u00e0 doanh nghi\u1ec7p s\u1edf h\u1eefu th\u01b0\u01a1ng hi\u1ec7u Home Credit v\u00e0 chi\u1ebfm th\u1ecb ph\u1ea7n l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng.<\/p>\n

Theo gi\u1ea5y \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n ki\u00eam ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 m\u00e0 ch\u1ecb Thanh cung c\u1ea5p choVnExpress<\/em>, kho\u1ea3n vay 30 tri\u1ec7u \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh l\u00e3i su\u1ea5t 6% m\u1ed9t th\u00e1ng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 72% m\u1ed9t n\u0103m).<\/p>\n

M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng kh\u00e1c c\u0169ng chia s\u1ebb h\u1ecd \u0111ang vay v\u1edbi l\u00e3i su\u1ea5t 5-6% m\u1ed9t th\u00e1ng do nhu c\u1ea7u b\u1ee9c thi\u1ebft. D\u00f9 bi\u1ebft tr\u01b0\u1edbc \u0111i\u1ec1u n\u00e0y khi vay, nh\u01b0ng nh\u00ecn l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ng\u00e0y m\u1ed9t gi\u1ea3m, h\u1ecd m\u1edbi x\u00f3t xa cho s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3.<\/p>\n

Anh H\u00e0, m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00e1c c\u1ee7a C\u00f4ng ty PPF cho bi\u1ebft, kh\u00f4ng ch\u1ec9 l\u00e3i su\u1ea5t cao, khi mu\u1ed1n thanh to\u00e1n kho\u1ea3n vay 12 th\u00e1ng s\u1edbm tr\u01b0\u1edbc n\u1eeda n\u0103m, c\u00f4ng ty y\u00eau c\u1ea7u tr\u1ea3 l\u00e3i cao kh\u00f4ng k\u00e9m g\u00ec khi anh ti\u1ebfp t\u1ee5c duy tr\u00ec h\u1ee3p \u0111\u1ed3ng. “T\u00ednh ra, ch\u1eb3ng kh\u00e1c g\u00ec v\u1edbi vi\u1ec7c t\u00f4i c\u1ed1 b\u1ea5m b\u1ee5ng n\u1ee3 h\u1ebft m\u1ed9t n\u0103m c\u1ea3”, anh H\u00e0 n\u00f3i.<\/p>\n

L\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u1eddi \u0111i\u1ec3m cu\u1ed1i n\u0103m 2012 cao nh\u1ea5t ch\u1ec9 8% m\u1ed9t n\u0103m v\u00e0 l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n theo ch\u00e0o m\u1eddi l\u00e0 kho\u1ea3ng 15-20% m\u1ed9t n\u0103m. Trong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u01b0\u1eddng ch\u00e0o tr\u00ean 24%, th\u1eadm ch\u00ed tr\u00ean 30% m\u1ed9t n\u0103m.<\/p>\n

L\u00fd gi\u1ea3i v\u1edbi\u00a0VnExpress<\/em>, \u00f4ng V\u0169 Qu\u1ed1c B\u00ecnh – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty PPF chi nh\u00e1nh H\u00e0 N\u1ed9i – cho bi\u1ebft c\u00f4ng ty ph\u1ea3i \u00e1p l\u00e3i su\u1ea5t 72% cho m\u1ed9t s\u1ed1 kho\u1ea3n vay v\u00ec chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n v\u00f4 c\u00f9ng \u0111\u1eaft \u0111\u1ecf. “Kh\u00e1c v\u1edbi ng\u00e2n h\u00e0ng, ch\u00fang t\u00f4i kh\u00f4ng \u0111\u01b0\u1ee3c huy \u0111\u1ed9ng l\u00e3i su\u1ea5t 7-8% t\u1eeb d\u00e2n c\u01b0, ngu\u1ed3n v\u1ed1n s\u1eed d\u1ee5ng ch\u1ee7 y\u1ebfu vay l\u1ea1i t\u1eeb c\u00e1c nh\u00e0 b\u0103ng trong n\u01b0\u1edbc v\u00e0 th\u1ebf gi\u1edbi. Ri\u00eang chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea7u v\u00e0o \u0111\u00e3 \u01b0\u1edbc ch\u1eebng 22-23% m\u1ed9t n\u0103m”, \u0111\u1ea1i di\u1ec7n PPF cho bi\u1ebft.<\/p>\n

Theo v\u1ecb n\u00e0y, v\u1edbi \u0111\u1eb7c th\u00f9 l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng, c\u00e1c kho\u1ea3n vay kh\u00f4ng l\u1edbn, ch\u1ec9 t\u1eeb 20-40 tri\u1ec7u nh\u01b0ng l\u1ea1i r\u1ea5t r\u1ee7i ro v\u00ec cho vay t\u00edn ch\u1ea5p, h\u1ed3 s\u01a1 th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n. H\u01a1n n\u1eefa, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng b\u1ed9 m\u00e1y qu\u1ea3n l\u00fd r\u1ee7i ro, t\u1eeb kh\u00e2u \u0111\u1ea1i l\u00fd \u0111\u1ebfn \u0111\u1ed9i ng\u0169 nh\u1eafc, th\u00fac n\u1ee3 hay \u0111\u1ed9i thu h\u1ed3i n\u1ee3… c\u1ee7a c\u00f4ng ty \u0111\u1ec1u kh\u00e1 c\u1ed3ng k\u1ec1nh. M\u1ed9t l\u00fd do kh\u00e1c khi\u1ebfn l\u00e3i su\u1ea5t cao theo PPF l\u00e0 v\u00ec h\u1ecd v\u1eabn ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u00e1c kho\u1ea3n cho vay nh\u01b0 ng\u00e2n h\u00e0ng. “B\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00f4ng ty cho th\u1ea5y, l\u1ee3i nhu\u1eadn thu v\u1ec1 ch\u1ec9 l\u00e0 8-10% ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 60, 70% nh\u01b0 th\u1ebf”, \u00f4ng B\u00ecnh kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Kho\u1ea3n kh\u00f4ng nh\u1ecf trong c\u01a1 c\u1ea5u l\u00e3i su\u1ea5t c\u1ee7a PPF \u0111\u00f3 l\u00e0 chi ph\u00ed b\u00f9 \u0111\u1eafp r\u1ee7i ro ph\u00e1t sinh. C\u00f4ng ty cho vay t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng h\u1ea7u nh\u01b0 kh\u00f4ng y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i h\u1ecfi cao. Nguy c\u01a1 m\u1ea5t v\u1ed1n trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ch\u00e2y \u00ec l\u00e0 kh\u00f4ng nh\u1ecf.<\/p>\n

\u00d4ng B\u00ecnh cho bi\u1ebft l\u00e3i su\u1ea5t c\u1ee7a PPF \u0111\u01b0\u1ee3c chia t\u1eeb th\u1ea5p t\u1edbi cao theo t\u1eebng kho\u1ea3n vay kh\u00e1c nhau, nh\u01b0ng nh\u00ecn chung \u0111ang cao nh\u1ea5t th\u1ecb tr\u01b0\u1eddng n\u1ebfu so s\u00e1nh v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m c\u00f9ng lo\u1ea1i. “Ch\u00fang t\u00f4i kh\u00f4ng th\u1ec3 th\u1ea5p h\u01a1n \u0111\u01b0\u1ee3c, l\u00e0m nh\u01b0 v\u1eady t\u1ef1 h\u1ea1i m\u00ecnh.\u00a0L\u00e3i su\u1ea5t ch\u00fang t\u00f4i ni\u00eam y\u1ebft c\u00f4ng khai, kh\u00e1ch h\u00e0ng bi\u1ebft r\u00f5 \u0111i\u1ec1u n\u00e0y tr\u01b0\u1edbc khi vay. Ch\u00fang t\u00f4i c\u0169ng kh\u00f4ng khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 nhu c\u1ea7u th\u1ef1c s\u1ef1, kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 m\u00e0 l\u1ea1i \u0111i vay”, \u00f4ng B\u00ecnh n\u00f3i.<\/p>\n

V\u1ec1 vi\u1ec7c v\u1eabn t\u00ednh nguy\u00ean l\u00e3i su\u1ea5t th\u1eddi gian c\u00f2n l\u1ea1i n\u1ebfu kh\u00e1ch h\u00e0ng mu\u1ed1n t\u1ea5t to\u00e1n h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc, gi\u00e1m \u0111\u1ed1c c\u1ee7a PPF l\u00fd gi\u1ea3i ph\u1ea3i l\u00e0m v\u1eady \u0111\u1ec3 b\u00f9 \u0111\u1eafp c\u00e1c chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00ednh cho c\u1ea3 kho\u1ea3n vay c\u1ee7a kh\u00e1ch.<\/p>\n

Tuy nhi\u00ean, d\u00f9 nguy\u00ean nh\u00e2n \u0111\u1ebfn t\u1eeb \u0111\u00e2u, nhi\u1ec1u chuy\u00ean gia v\u00e0 c\u1ea3 lu\u1eadt s\u01b0 v\u1eabn g\u1ecdi 72% l\u00e0 m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t “c\u1eaft c\u1ed5”, “ph\u1ea3n c\u1ea3m”… “L\u00e3i su\u1ea5t nh\u01b0 v\u1eady ch\u1eb3ng kh\u00e1c n\u00e0o \u0111i vay l\u00e3i ng\u00e0y. N\u00f3i theo c\u00e1ch t\u00ednh c\u1ee7a t\u00edn d\u1ee5ng \u0111en th\u00ec chi ph\u00ed vay c\u0169ng kho\u1ea3ng 2.000 \u0111\u1ed3ng m\u1ed9t ng\u00e0y tr\u00ean m\u1ed9t tri\u1ec7u \u0111\u1ed3ng”, m\u1ed9t chuy\u00ean gia t\u00e0i ch\u00ednh n\u00f3i.<\/p>\n

\u00d4ng Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng – cho r\u1eb1ng m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. “\u0110\u00e0nh r\u1eb1ng l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng kh\u00f4ng th\u1ec3 th\u1ea5p nh\u01b0 cho vay s\u1ea3n xu\u1ea5t \u0111\u01b0\u1ee3c nh\u01b0ng kh\u00f4ng ph\u1ea3i v\u00ec th\u1ebf l\u1ea1i t\u00ednh qu\u00e1 cao cho kh\u00e1ch h\u00e0ng. \u1ede M\u1ef9, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u0169ng kh\u00f4ng t\u00ednh qu\u00e1 cao nh\u01b0 th\u1ebf”, v\u1ecb chuy\u00ean gia t\u1eebng c\u00f3 th\u00e2m ni\u00ean l\u00e0m vi\u1ec7c t\u1ea1i n\u01b0\u1edbc ngo\u00e0i b\u00ecnh lu\u1eadn.<\/p>\n

C\u00f2n \u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI – g\u1ecdi \u0111\u00e2y l\u00e0 m\u1ee9c l\u00e3i “kinh kh\u1ee7ng” b\u1edfi n\u00f3 g\u1ea5p g\u1ea7n ch\u1ee5c l\u1ea7n m\u1ee9c huy \u0111\u1ed9ng t\u1ea1i ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, theo v\u1ecb chuy\u00ean gia n\u00e0y, d\u00f9 b\u1ea3n th\u00e2n \u00f4ng v\u00e0 x\u00e3 h\u1ed9i r\u1ea5t b\u1ea5t b\u00ecnh v\u1edbi ki\u1ec3u cho vay n\u00eau tr\u00ean nh\u01b0ng l\u1ea1i r\u1ea5t kh\u00f3 gi\u1ea3i quy\u1ebft b\u1eb1ng ph\u00e1p lu\u1eadt.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0, Kho\u1ea3n 1 \u0110i\u1ec1u 476 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh: “L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng”. Tuy nhi\u00ean, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 kh\u00f4ng c\u00f2n ho\u1ea1t \u0111\u1ed9ng theo quy \u0111\u1ecbnh n\u00e0y m\u00e0 h\u1ecd v\u1eabn \u00e1p quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 t\u1ef1 th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t.<\/em><\/p>\n

“\u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u b\u1ea5t h\u1ee3p l\u00fd c\u1ee7a Lu\u1eadt. Theo t\u00f4i v\u1eabn c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00f3 m\u1ed9t m\u1ee9c t\u1ed1i \u0111a ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i”, lu\u1eadt s\u01b0 n\u00e0y nh\u00ecn nh\u1eadn.\u00a0<\/em><\/p>\n

V\u1ec1 ph\u00eda ng\u01b0\u1eddi d\u00e2n, c\u00e1c chuy\u00ean gia cho r\u1eb1ng kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 nhi\u1ec1u c\u00e1i sai khi ch\u1ea5p nh\u1eadn k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng t\u00ecm hi\u1ec3u k\u1ef9. H\u01a1n th\u1ebf n\u1eefa, theo khuy\u1ebfn c\u00e1o c\u1ee7a c\u00e1c chuy\u00ean gia, \u1edf nh\u1eefng n\u01b0\u1edbc v\u0103n h\u00f3a t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n ch\u01b0a ph\u00e1t tri\u1ec3n nh\u01b0 Vi\u1ec7t Nam, kh\u00e1ch h\u00e0ng n\u00ean nh\u1edb ch\u1ec9 vay ti\u1ec1n khi th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ea7y \u0111\u1ee7 ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3.<\/p>\n

Thanh Thanh Lan<\/strong><\/p>\n

(181\/1.176)<\/p>\n

\n

VNExpress 26-7-2013<\/em><\/strong><\/p>\n

http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/ngan-hang\/vay-tai-chinh-tieu-dung-lai-suat-toi-72-mot-nam-2855521.html<\/a><\/em><\/p>\n

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(VNE) – Ch\u1ecb Thanh vay 30 tri\u1ec7u \u0111\u1ed3ng v\u00e0 ch\u1ea5p nh\u1eadn tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 6% m\u1ed9t th\u00e1ng v\u00ec nhu c\u1ea7u b\u1ee9c thi\u1ebft, nh\u01b0ng t\u1edbi khi b\u1eaft \u0111\u1ea7u thanh to\u00e1n m\u1edbi th\u1ea5y x\u00f3t xa. Cu\u1ed1i n\u0103m 2012, ch\u1ecb Thanh (B\u00ecnh D\u01b0\u01a1ng) vay tr\u1ea3 g\u00f3p c\u1ee7a C\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng PPF 30 tri\u1ec7u \u0111\u1ed3ng, […]<\/p>\n","protected":false},"author":1,"featured_media":22395,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n310. 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