{"id":22646,"date":"2013-03-22T19:37:10","date_gmt":"2013-03-22T12:37:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22646"},"modified":"2022-05-21T19:53:50","modified_gmt":"2022-05-21T12:53:50","slug":"266-luat-su-tai-chinh-ngan-hang-truong-thanh-duc-hinh-thuc-thue-va-thue-mua-la-khong-hop-ly","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/266-luat-su-tai-chinh-ngan-hang-truong-thanh-duc-hinh-thuc-thue-va-thue-mua-la-khong-hop-ly\/","title":{"rendered":"266. Lu\u1eadt s\u01b0 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:  H\u00ecnh th\u1ee9c thu\u00ea v\u00e0 thu\u00ea mua l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd"},"content":{"rendered":"<strong>(HQ) &#8211; D\u1ef1 th\u1ea3o l\u1ea7n th\u1ee9 t\u01b0 Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh v\u1ec1 cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf theo Ngh\u1ecb quy\u1ebft s\u1ed1 02\/NQ-CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn nh\u00e2n d\u00e2n tr\u01b0\u1edbc khi ban h\u00e0nh v\u00e0o gi\u1eefa th\u00e1ng 4 t\u1edbi. D\u1ef1 th\u1ea3o \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng c\u0169ng nh\u01b0 h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3. Ph\u00f3ng vi\u00ean B\u00e1o H\u1ea3i quan c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi lu\u1eadt s\u01b0 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\u00a0 v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-22592 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2012\/04\/Picture1-24-450x323.png\" alt=\"\" width=\"609\" height=\"437\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2012\/04\/Picture1-24-450x323.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2012\/04\/Picture1-24.png 718w\" sizes=\"auto, (max-width: 609px) 100vw, 609px\" \/><\/p>\n<p><em><strong>Theo d\u1ef1 th\u1ea3o \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 vay v\u1ed1n g\u1ed3m: Ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p, CBCC, vi\u00ean ch\u1ee9c, l\u1ef1c l\u01b0\u1ee3ng v\u0169 trang vay \u0111\u1ec3 thu\u00ea, thu\u00ea mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i v\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i c\u00f3 di\u1ec7n t\u00edch nh\u1ecf h\u01a1n 70 m\u00b2, gi\u00e1 b\u00e1n d\u01b0\u1edbi 15 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2. \u00d4ng c\u00f3 nh\u1eadn \u0111\u1ecbnh g\u00ec v\u1ec1 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 n\u00e0y?<\/strong><\/em><\/p>\n<p>\u0110\u00e3 l\u00e0 ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p th\u00ec th\u01b0\u1eddng c\u00f3 t\u00e2m l\u00fd kh\u00f4ng \u0111i vay \u0111\u1ec3 tr\u1ea3 ti\u1ec1n thu\u00ea m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi s\u1ebd mu\u1ed1n t\u00edch c\u00f3p, vay m\u01b0\u1ee3n \u0111\u1ec3 mua m\u1ed9t c\u0103n h\u1ed9 cho m\u00ecnh. Ch\u1ec9 c\u00f3 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 thu nh\u1eadp cao m\u1edbi t\u00ednh \u0111\u1ebfn chuy\u1ec7n \u0111i thu\u00ea nh\u00e0 th\u1eadm ch\u00ed c\u00f2n h\u1ee3p \u0111\u1ed3ng thu\u00ea d\u00e0i h\u1ea1n v\u00e0i n\u0103m.<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/p>\n<p>D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201cnh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i c\u00f3 di\u1ec7n t\u00edch nh\u1ecf h\u01a1n 70 m\u00b2, gi\u00e1 b\u00e1n d\u01b0\u1edbi 15 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2\u201d c\u0169ng l\u00e0 ch\u01b0a h\u1ee3p l\u00fd m\u1eb7c d\u00f9 c\u00f3 ch\u1eef \u201cd\u01b0\u1edbi\u201d nh\u01b0ng \u201cng\u01b0\u1ee1ng\u201d 70 m\u00b2\u00a0 v\u00e0 15 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2\u00a0 l\u00e0 d\u00e0nh cho \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 m\u1ee9c thu nh\u1eadp trung b\u00ecnh.<\/p>\n<p>Trong x\u00e3 h\u1ed9i hi\u1ec7n nay, nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00e3 mua \u0111\u01b0\u1ee3c nh\u00e0 r\u1ed3i l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao, c\u00f2n nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ebfn gi\u1edd n\u00e0y v\u1eabn ch\u01b0a c\u00f3 nh\u00e0 ho\u1eb7c \u0111ang tr\u00f4ng ch\u1edd v\u00e0o nh\u1eefng h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7 m\u1edbi mua \u0111\u01b0\u1ee3c nh\u00e0 l\u00e0 nh\u1eefng ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p ch\u01b0a n\u00f3i \u0111\u1ebfn t\u00ecnh hu\u1ed1ng nay mai s\u1ebd th\u1ea5t nghi\u1ec7p. Do \u0111\u00f3 n\u00ean h\u1ea1 \u201cng\u01b0\u1ee1ng\u201d nh\u00e0 xu\u1ed1ng c\u00f2n 45 m\u00b2 nh\u01b0 Lu\u1eadt Nh\u00e0 \u1edf v\u00e0 t\u00ednh to\u00e1n l\u1ea1i \u201cng\u01b0\u1ee1ng\u201d gi\u00e1 15 tri\u1ec7u \u0111\u1ed3ng\/m\u00b2.<\/p>\n<p><em><strong>V\u1eady c\u00f2n h\u00ecnh th\u1ee9c thu\u00ea mua th\u00ec sao, th\u01b0a \u00f4ng?<\/strong><\/em><\/p>\n<p>H\u00ecnh th\u1ee9c thu\u00ea mua tr\u00ean th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam hi\u1ec7n nay \u00edt nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c DN ch\u1ee9 kh\u00f4ng n\u00f3i \u0111\u1ebfn m\u1ed7i c\u00e1 nh\u00e2n ng\u01b0\u1eddi d\u00e2n v\u00ec t\u00e2m l\u00fd ch\u01b0a quen v\u00e0 khung ph\u00e1p l\u00fd v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y ch\u01b0a ho\u00e0n thi\u1ec7n. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y khi\u1ebfn cho vi\u1ec7c thu\u00ea mua s\u1ebd kh\u00f4ng kh\u1ea3 thi, th\u1eadm ch\u00ed c\u00f2n kh\u00f4ng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn nhi\u1ec1u b\u1eb1ng h\u00ecnh th\u1ee9c g\u00f3p v\u1ed1n tr\u01b0\u1edbc nh\u1eadn nh\u00e0 sau nh\u01b0 hi\u1ec7n nay.<\/p>\n<p>Theo t\u00f4i hi\u1ec7n th\u1ecb tr\u01b0\u1eddng c\u00f3 hai lo\u1ea1i \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ea7n mua nh\u00e0, m\u1ed9t l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111ang thi\u1ebfu kho\u1ea3ng 30% v\u1ed1n mua nh\u00e0, \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y \u0111ang c\u1ea7n h\u1ed7 tr\u1ee3 v\u1ed1n th\u1ea5p \u0111\u1ec3 mua \u0111\u01b0\u1ee3c nh\u00e0. \u0110\u1ed1i t\u01b0\u1ee3ng th\u1ee9 hai l\u00e0 nh\u1eefng ng\u01b0\u1eddi ngh\u00e8o, thu nh\u1eadp r\u1ea5t th\u1ea5p, \u0111\u1ed1i v\u1edbi \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y Nh\u00e0 n\u01b0\u1edbc c\u1ea7n b\u1ecf v\u1ed1n ng\u00e2n s\u00e1ch b\u00f9 l\u1ed7 cho c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 nh\u1eefng ng\u01b0\u1eddi d\u00e2n c\u00f3 ch\u1ed7 \u1edf, t\u1ea1o an sinh x\u00e3 h\u1ed9i.<\/p>\n<p><em><strong>L\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng cho m\u1ee5c ti\u00eau cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 1,5%\/n\u0103m t\u1ea1i c\u00f9ng th\u1eddi \u0111i\u1ec3m. Theo \u00f4ng, l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n n\u00e0y c\u00f3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n t\u1ed1t nhi\u1ec7m v\u1ee5 c\u1ee7a m\u00ecnh?<\/strong><\/em><\/p>\n<p>Theo d\u1ef1 th\u1ea3o, l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng cho m\u1ee5c ti\u00eau cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf th\u1ea5p h\u01a1n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 1,5%\/n\u0103m t\u1ea1i c\u00f9ng th\u1eddi \u0111i\u1ec3m. V\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n n\u00e0y, n\u00f3i chung so v\u1edbi m\u1eb7t b\u1eb1ng th\u1ecb tr\u01b0\u1eddng, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd th\u1ef1c hi\u1ec7n cho vay v\u1edbi m\u1ee5c \u0111\u00edch x\u00e3 h\u1ed9i ch\u1ee9 kh\u00f4ng c\u00f3 l\u00e3i, th\u1eadm ch\u00ed n\u1ebfu h\u1ee3p \u0111\u1ed3ng n\u00e0o kh\u00f4ng thu h\u1ed3i \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng c\u00f2n b\u1ecb \u00e2m v\u1ed1n. V\u1edbi m\u1ee5c \u0111\u00edch x\u00e3 h\u1ed9i nh\u01b0 v\u1eady n\u00ean t\u00f4i th\u1eafc m\u1eafc l\u00e0 t\u1ea1i sao trong 5 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u1ecbnh tham gia cho vay h\u1ed7 tr\u1ee3 n\u00e0y l\u1ea1i kh\u00f4ng c\u00f3 Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i.<\/p>\n<p><em><strong>V\u1eady theo \u00f4ng \u0111\u00e2u l\u00e0 \u0111i\u1ec3m h\u1ee3p l\u00fd, h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng trong d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 n\u00e0y?<\/strong><\/em><\/p>\n<p>\u0110\u00f3 l\u00e0 ph\u1ea7n quy \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng c\u1ee7a d\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 c\u00f3 DN ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng nh\u00e0 \u1edf x\u00e3 h\u1ed9i, DN l\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i c\u00f4ng n\u0103ng sang d\u1ef1 \u00e1n nh\u00e0 \u1edf x\u00e3 h\u1ed9i. C\u00e1c DN n\u00e0y \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 vay v\u1ed1n s\u1ebd g\u00f3p ph\u1ea7n h\u1ea1 gi\u00e1 th\u00e0nh ph\u00e2n kh\u00fac nh\u00e0 \u1edf thu nh\u1eadp th\u1ea5p v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i chung.<\/p>\n<p><em><strong>Xin c\u1ea3m \u01a1n \u00f4ng!<\/strong><\/em><\/p>\n<p><strong>H\u1ed3 Hu\u1ec7<\/strong> <em>(th\u1ef1c hi\u1ec7n)<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> Ph\u00f3ng vi\u00ean di\u1ec5n \u0111\u1ea1t sai. \u00dd ph\u1ea3i l\u00e0: Kh\u00f4ng ai \u0111i vay ti\u1ec1n v\u00e0 cho vay ti\u1ec1n \u0111\u1ec3 thu\u00ea nh\u00e0, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi cho thu nh\u1eadp th\u1ea5p, v\u00ec ng\u01b0\u1eddi gi\u1ea7u th\u00ec m\u1edbi c\u00f3 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc m\u1ed9t v\u00e0i qu\u00fd, m\u1ed9t v\u00e0i n\u0103m, c\u00f2n ng\u01b0\u1eddi ngh\u00e8o th\u00ec th\u01b0\u1eddng ch\u1ec9 tr\u1ea3 ti\u1ec1n thu\u00ea h\u00e0ng th\u00e1ng, v\u1edbi s\u1ed1 ti\u1ec1n kh\u00f4ng nhi\u1ec1u. N\u1ebfu h\u1ecd \u0111i vay \u0111\u1ec3 tr\u1ea3 ti\u1ec1n thu\u00ea, th\u00ec ch\u1ec9 trong m\u1ed9t th\u1eddi gian r\u1ea5t ng\u1eafn, v\u1edbi s\u1ed1 ti\u1ec1n r\u1ea5t \u00edt th\u00ec m\u1edbi c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3&#8230;.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>H\u1ea3i Quan 22-3-2013:<\/em><\/strong><\/p>\n<p>https:\/\/haiquanonline.com.vn\/hinh-thuc-thue-va-thue-mua-la-khong-hop-ly-58395.html<\/p>\n<p><em>(855\/855)<\/em>","protected":false},"excerpt":{"rendered":"<p>(HQ) &#8211; D\u1ef1 th\u1ea3o l\u1ea7n th\u1ee9 t\u01b0 Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh v\u1ec1 cho vay h\u1ed7 tr\u1ee3 nh\u00e0 \u1edf theo Ngh\u1ecb quy\u1ebft s\u1ed1 02\/NQ-CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1eeba \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0a ra l\u1ea5y \u00fd ki\u1ebfn nh\u00e2n d\u00e2n tr\u01b0\u1edbc khi ban h\u00e0nh v\u00e0o gi\u1eefa th\u00e1ng 4 t\u1edbi. D\u1ef1 th\u1ea3o \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":22592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>266. Lu\u1eadt s\u01b0 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c: H\u00ecnh th\u1ee9c thu\u00ea v\u00e0 thu\u00ea mua l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/266-luat-su-tai-chinh-ngan-hang-truong-thanh-duc-hinh-thuc-thue-va-thue-mua-la-khong-hop-ly\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]266. 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