{"id":22647,"date":"2013-03-22T19:38:10","date_gmt":"2013-03-22T12:38:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22647"},"modified":"2022-05-21T19:56:08","modified_gmt":"2022-05-21T12:56:08","slug":"267-ngan-hang-nan-giai-viec-phat-mai-nha-dat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/267-ngan-hang-nan-giai-viec-phat-mai-nha-dat\/","title":{"rendered":"267. Ng\u00e2n h\u00e0ng nan gi\u1ea3i vi\u1ec7c ph\u00e1t m\u1ea1i nh\u00e0 \u0111\u1ea5t"},"content":{"rendered":"(VNM)<\/strong> –<\/em> Nh\u1eadn th\u1ebf ch\u1ea5p c\u00e1c d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi h\u1ec7 l\u1ee5y l\u1edbn vi\u1ec7c b\u00e1n ph\u00e1t m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c, thu h\u1ed3i c\u0169ng kh\u00f4ng c\u00f3 c\u00e1ch x\u1eed l\u00fd. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n g\u00e2y ra n\u1ee3 x\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

<\/strong>\u0110\u1ec3 n\u1eafm b\u1eaft th\u00eam b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 n\u00e0y, PV \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi LS, chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c.<\/p>\n

Ph\u00f3ng vi\u00ean:<\/strong> Th\u01b0a \u00f4ng, th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n n\u00f3ng, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 ch\u1ea5p nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd \u0111\u1ec3 vay v\u1ed1n v\u00e0 vi\u1ec7c th\u1ebf ch\u1ea5p n\u00e0y kh\u00f4ng chu\u1ea9n. Th\u1eadm ch\u00ed, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e1ch lu\u1eadt b\u1eb1ng vi\u1ec7c cho th\u1ebf ch\u1ea5p b\u1eb1ng quy\u1ec1n ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n. C\u00f3 th\u1ef1c tr\u1ea1ng n\u00e0y kh\u00f4ng th\u01b0a kh\u00f4ng?<\/em><\/p>\n

LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c:<\/strong> \u0110\u00e2y l\u00e0 t\u00ecnh tr\u1ea1ng di\u1ec5n ra kh\u00e1 ph\u1ed5 bi\u1ebfn, nhi\u1ec1u ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn r\u1ee7i ro cho vay t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c nh\u1eefng d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 c\u01a1 s\u1edf ph\u00e1p l\u00fd. Khi th\u1ecb tr\u01b0\u1eddng kh\u00f3 kh\u0103n, vi\u1ec7c nh\u1eadn th\u1ebf ch\u1ea5p c\u00e1c t\u00e0i s\u1ea3n n\u00e0y \u0111\u00e3 g\u00e2y nhi\u1ec1u r\u1ee7i ro l\u1edbn cho ng\u00e2n h\u00e0ng.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng, s\u1ea3n ph\u1ea9m nh\u01b0 th\u1ebf n\u00e0o m\u1edbi c\u00f3 th\u1ec3 th\u1ebf ch\u1ea5p \u0111\u1ec3 vay ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u1ecd \u0111\u00e3 l\u00e1ch nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 vay ti\u1ec1n?<\/em><\/p>\n

Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ng\u00e2n h\u00e0ng c\u00f3 hai d\u1ea1ng, d\u1ea1ng th\u1ee9 nh\u1ea5t \u0111\u1ed1i v\u1edbi nh\u1eefng d\u1ef1 \u00e1n \u0111\u00e3 c\u00f3 s\u1ed5 \u0111\u1ecf, c\u00f3 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng r\u1ed3i v\u00e0 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c. N\u1ebfu chi\u1ec3u theo lu\u1eadt \u0111\u1ecbnh, c\u00e1c d\u1ef1 \u00e1n chung c\u01b0 ph\u1ea3i x\u00e2y xong m\u00f3ng nh\u00e0 m\u1edbi \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng, l\u00fac \u0111\u00f3 \u0111\u01b0\u1ee3c l\u00e0m th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p v\u00e0 \u0111\u0103ng k\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u1edf trung t\u00e2m nh\u00e0 \u0111\u1ea5t.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p d\u1ef1 \u00e1n ch\u01b0a c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u1ee7 t\u1ee5c \u0111\u00f3, c\u00e1c b\u00ean v\u1eabn c\u00f3 th\u1ec3 nh\u1eadn th\u1ebf ch\u1ea5p l\u00e0 s\u1ea3n ph\u1ea9m th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai nh\u01b0ng n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u00e0 ch\u1ec9 th\u00e0nh quy\u1ec1n, t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai nh\u01b0ng ch\u01b0a c\u00f3 t\u00e0i s\u1ea3n m\u00e0 ch\u1ec9 l\u00e0 cam k\u1ebft h\u00ecnh th\u00e0nh d\u1ef1 \u00e1n.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn th\u1ebf ch\u1ea5p quy\u1ec1n ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n, quy\u1ec1n \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng nh\u1eefng c\u00f4ng tr\u00ecnh v\u1eadt ki\u1ebfn tr\u00fac s\u1ebd h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u00f3.<\/p>\n\n\n\n\n
\"\"<\/em><\/td>\n<\/tr>\n
Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


\nNh\u1eefng quy\u1ec1n n\u00e0y c\u00f3 \u0111\u1ea3m b\u1ea3o cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng th\u01b0a \u00f4ng?<\/em><\/p>\n

V\u1ec1 m\u1eb7t ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m, c\u00e1c b\u00ean v\u1eabn t\u1ef1 th\u1ecfa thu\u1eadn v\u1edbi nhau, c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd quy\u1ec1n th\u1ebf ch\u1ea5p \u0111\u00f3 \u1edf trung t\u00e2m \u0111\u0103ng k\u00fd qu\u1ed1c gia giao d\u1ecbch b\u1ea3o \u0111\u1ea3m c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p. Quan tr\u1ecdng t\u00e0i s\u1ea3n ch\u01b0a c\u00f3 th\u1ef1c, kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n m\u00e0 m\u1edbi ch\u1ec9 l\u00e0 quy\u1ec1n \u0111\u1ebfn khi ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i x\u1eed l\u00fd t\u00e0i s\u1ea3n nh\u01b0 ph\u00e1t m\u1ea1i th\u00ec kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. C\u00f3 r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f9ng cho vay c\u00e1c d\u1ef1 \u00e1n m\u1ed7i ng\u00e2n h\u00e0ng cho vay m\u1ed9t ph\u1ea7n kh\u00e1c nhau.<\/p>\n

Th\u1eadm ch\u00ed, nhi\u1ec1u ng\u00e2n h\u00e0ng th\u00ec cho vay th\u1ebf ch\u1ea5p, cho vay \u0111\u1ea7u t\u01b0 v\u00e0o d\u1ef1 \u00e1n. C\u00f3 ng\u00e2n h\u00e0ng cho vay th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 th\u1ef1c ch\u1ea5t ng\u01b0\u1eddi mua nh\u00e0 c\u0169ng g\u00f3p v\u1ed1n h\u00ecnh th\u00e0nh n\u00ean d\u1ef1 \u00e1n.<\/p>\n

Cho n\u00ean khi thu h\u1ed3i n\u1ee3, d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f3 x\u1eed l\u00fd v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd do h\u1ee3p ph\u00e1p nh\u01b0ng kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd. V\u00ec v\u1eady, khi d\u1ef1 \u00e1n b\u1ecb \u0111\u1ed5 b\u1ec3 th\u00ec s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u00e0n thi\u1ec7n.<\/p>\n

V\u1ea5n \u0111\u1ec1 cho th\u1ebf ch\u1ea5p quy\u1ec1n th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n l\u00e0 r\u1ea5t r\u1ee7i ro. Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c doanh nghi\u1ec7p kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u00e1n ph\u00e1t m\u1ea1i c\u00e1c t\u00e0i s\u1ea3n \u0111\u00f3 \u0111\u01b0\u1ee3c kh\u00f4ng th\u01b0a \u00f4ng?<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng d\u1ef1 \u00e1n \u0111\u00e3 ho\u00e0n thi\u1ec7n, ng\u00e2n h\u00e0ng ch\u1ec9 c\u1ea7n th\u1eddi gian \u0111\u1ec3 t\u00ecm kh\u00e1ch h\u00e0ng. C\u00f2n v\u1edbi nh\u1eefng d\u1ef1 \u00e1n d\u1edf dang, ch\u01b0a tri\u1ec3n khai th\u00ec th\u1ef1c s\u1ef1 b\u1ebf t\u1eafc. Ng\u00e2n h\u00e0ng n\u1ebfu c\u00f3 thu h\u1ed3i d\u1ef1 \u00e1n ch\u1ec9 l\u00e0 thu h\u1ed3i v\u1ec1 m\u1eb7t danh ngh\u0129a. D\u1ef1 \u00e1n d\u1edf dang v\u1eabn l\u00e0 d\u1edf dang v\u00e0 ng\u00e2n h\u00e0ng c\u00f3 ki\u1ec7n ra t\u00f2a v\u00e0 c\u00f3 th\u1ecfa thu\u1eadn v\u1edbi ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 thay ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n ho\u1eb7c c\u00f3 th\u1ec3 b\u00e1n d\u1ef1 \u00e1n ra th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 thu h\u1ed3i v\u1ed1n \u0111\u01b0\u1ee3c.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p d\u1ef1 \u00e1n ch\u01b0a ho\u00e0n ch\u1ec9nh r\u1ea5t kh\u00f3 gi\u1ea3i quy\u1ebft v\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng m\u1eb7n m\u00e0 thu h\u1ed3i d\u1ef1 \u00e1n, doanh nghi\u1ec7p kh\u00f4ng mu\u1ed1n tri\u1ec3n khai. N\u1ebfu nh\u01b0 kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p, c\u01a1 ch\u1ebf g\u00ec th\u00e1o g\u1ee1 t\u1ed5ng th\u1ec3 d\u1eabn \u0111\u1ebfn b\u1ebf t\u1eafc, n\u1ee3 x\u1ea5u gia t\u0103ng l\u1edbn. K\u1ec3 c\u1ea3 ng\u00e2n h\u00e0ng c\u00f3 nh\u1eadn t\u00e0i s\u1ea3n n\u00e0y v\u1ec1 th\u00ec r\u1ea5t kh\u00f3 kh\u0103n v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd v\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ea5p h\u00e0nh ch\u1ec9 ti\u00eau an to\u00e0n v\u1ec1 gi\u1edbi h\u1ea1n s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Trong b\u1ed1i c\u1ea3nh n\u00e0y, ng\u00e2n h\u00e0ng li\u1ec7u c\u00f3 tri\u1ec3n khai vi\u1ec7c ti\u1ebfp t\u1ee5c cho vay d\u1ef1 \u00e1n d\u1edf dang \u0111\u1ec3 ho\u00e0n thi\u1ec7n hay kh\u00f4ng, th\u01b0a \u00f4ng?.<\/em><\/p>\n

\u0110i\u1ec1u n\u00e0y l\u00e0 do th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ef1 quy\u1ebft \u0111\u1ecbnh, n\u1ebfu d\u1ef1 \u00e1n c\u00f3 kh\u00e1ch h\u00e0ng, c\u00f3 c\u01a1 h\u1ed9i thu h\u1ed3i v\u1ed1n th\u00ec ng\u00e2n h\u00e0ng s\u1ebd t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 cho vay. V\u1edbi c\u00e1c d\u1ef1 \u00e1n ch\u01b0a ho\u00e0n ch\u1ec9nh v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd kh\u00f3 cho vay.<\/p>\n

Xin c\u00e1m \u01a1n \u00f4ng!<\/em><\/p>\n

Anh \u0110\u00e0o<\/em><\/strong><\/p>\n

——————<\/p>\n

VnMedia 22-3-2013:<\/em><\/strong><\/p>\n

http:\/\/vnmedia.vn\/VN\/bat-dong-san\/tin-tuc\/91_886339\/ngan_hang_nan_giai_viec_phat_mai_nha_dat.html<\/a><\/em><\/p>\n

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

(VNM) – Nh\u1eadn th\u1ebf ch\u1ea5p c\u00e1c d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi h\u1ec7 l\u1ee5y l\u1edbn vi\u1ec7c b\u00e1n ph\u00e1t m\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c, thu h\u1ed3i c\u0169ng kh\u00f4ng c\u00f3 c\u00e1ch x\u1eed l\u00fd. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n g\u00e2y ra n\u1ee3 x\u1ea5u c\u00e1c ng\u00e2n h\u00e0ng. […]<\/p>\n","protected":false},"author":10,"featured_media":22493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n267. 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