{"id":22729,"date":"2013-07-04T21:16:26","date_gmt":"2013-07-04T14:16:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=22729"},"modified":"2022-05-21T21:23:10","modified_gmt":"2022-05-21T14:23:10","slug":"294-can-trong-voi-chieu-mua-nha-muon-so-do-the-chap-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/294-can-trong-voi-chieu-mua-nha-muon-so-do-the-chap-ngan-hang\/","title":{"rendered":"294. C\u1ea9n tr\u1ecdng v\u1edbi chi\u00eau mua nh\u00e0 m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng"},"content":{"rendered":"<p class=\"description\"><strong>(VNE) &#8211; V\u00ec c\u1ea3 tin cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng, kh\u00f4ng \u00edt gia \u0111\u00ecnh \u0111\u1ed1i m\u1eb7t nguy c\u01a1 v\u00f4 gia c\u01b0 khi ng\u01b0\u1eddi quen nh\u1eadn ti\u1ec1n r\u1ed3i cao ch\u1ea1y xa bay.<\/strong><\/p>\n<article class=\"fck_detail \">\n<p class=\"Normal\">Ph\u1ea3n \u00e1nh v\u1edbi\u00a0<em>VnExpress.net<\/em>, \u00f4ng V\u01b0\u01a1ng Duy Th\u00e0nh (T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i) cho bi\u1ebft th\u1eeda \u0111\u1ea5t h\u01a1n 80 m2 s\u1edf h\u1eefu \u0111ang v\u01b0\u1edbng v\u00e0o v\u1ee5 r\u1eafc r\u1ed1i, do cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf \u0111\u1ec3 vay &#8220;k\u00e9&#8221; ti\u1ec1n ng\u00e2n h\u00e0ng.\u00a0N\u0103m 2012, \u00f4ng Th\u00e0nh v\u00e0 b\u00e0 L\u00ea Th\u1ecb Kim Thanh (H\u00e0 N\u1ed9i) c\u00f9ng k\u00fd h\u1ee3p \u0111\u1ed3ng ba b\u00ean t\u1ea1i ph\u00f2ng c\u00f4ng ch\u1ee9ng \u0111\u1ec3 b\u00e0 Thanh \u0111\u1ee9ng t\u00ean vay g\u1ea7n 2 t\u1ef7 \u0111\u1ed3ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p class=\"Normal\">Theo th\u1ecfa thu\u1eadn gi\u1eefa hai ng\u01b0\u1eddi, \u00f4ng Th\u00e0nh \u0111\u01b0\u1ee3c vay k\u00e9 40% s\u1ed1 ti\u1ec1n n\u00e0y. Tuy nhi\u00ean, sau khi vay \u0111\u01b0\u1ee3c ti\u1ec1n th\u00ec b\u00e0 Thanh b\u1ecf tr\u1ed1n. Cho t\u1edbi khi ng\u00e2n h\u00e0ng chu\u1ea9n b\u1ecb c\u00e1c th\u1ee7 t\u1ee5c thu h\u1ed3i nh\u00e0 gia \u0111\u00ecnh \u00f4ng Th\u00e0nh m\u1edbi t\u00e9 ng\u1eeda v\u00ec ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u1ed3ng n\u00e0o t\u1eeb b\u00e0 Thanh. &#8220;G\u1ea7n \u0111\u00e2y ng\u00e2n h\u00e0ng cho bi\u1ebft kho\u1ea3n n\u1ee3 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i \u0111\u00e3 l\u00ean t\u1edbi 2,3 t\u1ef7 \u0111\u1ed3ng&#8221;, \u00f4ng Th\u00e0nh cho hay.<\/p>\n<figure class=\"tplCaption action_thumb_added\" data-size=\"js\">\n<div class=\"fig-picture\"><img decoding=\"async\" class=\"lazy lazied\" src=\"https:\/\/i1-kinhdoanh.vnecdn.net\/2013\/07\/04\/so-do-1372930356.jpg?w=680&amp;h=0&amp;q=100&amp;dpr=1&amp;fit=crop&amp;s=wfEix4raegc2BI-Y5zstDw\" alt=\"so-do-1372930356_500x0.jpg\" data-src=\"https:\/\/i1-kinhdoanh.vnecdn.net\/2013\/07\/04\/so-do-1372930356.jpg?w=680&amp;h=0&amp;q=100&amp;dpr=1&amp;fit=crop&amp;s=wfEix4raegc2BI-Y5zstDw\" data-ll-status=\"loaded\" \/><\/div><figcaption>\n<p class=\"Image\"><em>Nhi\u1ec1u kho\u1ea3n vay t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o l\u00e0 nh\u00e0, \u0111\u1ea5t c\u1ee7a b\u00ean th\u1ee9 ba. \u1ea2nh:\u00a0VH.<\/em><\/p>\n<\/figcaption><\/figure>\n<p class=\"Normal\">Gia \u0111\u00ecnh \u00f4ng Quang (T\u00e2y H\u1ed3, H\u00e0 N\u1ed9i) c\u0169ng \u0111ang lo l\u1eafng cho m\u1ea3nh \u0111\u1ea5t 700 m\u00e9t vu\u00f4ng tr\u1ecb gi\u00e1 g\u1ea7n 20 t\u1ef7 \u0111\u1ed3ng c\u1ee7a nh\u00e0 m\u00ecnh. \u00d4ng kh\u00f4ng c\u00f3 \u00fd \u0111\u1ecbnh vay k\u00e9, ch\u1ec9 mu\u1ed1n b\u00e1n \u0111\u1ea5t \u0111\u1ec3 trang tr\u1ea3i c\u00e1c kho\u1ea3n chi trong gia \u0111\u00ecnh.\u00a0M\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi bi\u1ebft nhu c\u1ea7u n\u00e0y \u0111\u00e3 tr\u1ea3 gi\u00e1 cao h\u01a1n, nhanh ch\u00f3ng \u0111\u1eb7t c\u1ecdc 200 tri\u1ec7u \u0111\u1ed3ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u00f4ng Quang k\u00fd gi\u1ea5y \u0111\u1ed3ng \u00fd cho b\u00ean mua \u0111em s\u1ed5 \u0111\u1ecf th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng. B\u00ean mua gi\u1ea3i th\u00edch, h\u1ecd kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t, ph\u1ea3i vay ng\u00e2n h\u00e0ng m\u1edbi c\u00f3 ngu\u1ed3n thanh to\u00e1n ngay cho \u00f4ng. M\u00e0 mu\u1ed1n vay ng\u00e2n h\u00e0ng, h\u1ecd c\u1ea7n th\u1ebf ch\u1ea5p ch\u00ednh ng\u00f4i nh\u00e0 s\u1eafp mua c\u1ee7a \u00f4ng.<\/p>\n<p class=\"Normal\">M\u1ed9t ph\u1ea7n \u0111\u00e3 l\u1edbn tu\u1ed5i, d\u1ec5 tin ng\u01b0\u1eddi, ph\u1ea7n v\u00ec kh\u00f4ng hi\u1ec3u r\u00f5 c\u00e1c quy \u0111\u1ecbnh n\u00ean \u00f4ng Quang \u0111\u1ed3ng \u00fd vi\u1ebft gi\u1ea5y t\u1edd sang t\u00ean v\u00e0 cho ph\u00e9p mang s\u1ed5 \u0111\u1ecf \u0111i th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng. D\u00f9 ng\u01b0\u1eddi mua ch\u01b0a &#8220;m\u1ea5t t\u00edch&#8221; hay b\u1ecf tr\u1ed1n nh\u01b0ng tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u01b0\u1ee3c nhi\u1ec1u c\u00e1n b\u1ed9 ph\u00e1p ch\u1ebf c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u1ecbnh r\u1ee7i ro r\u1ea5t l\u1edbn.<\/p>\n<p class=\"Normal\">Lu\u1eadt s\u01b0 Nguy\u1ec5n Th\u1ecb Ph\u01b0\u01a1ng &#8211; Ph\u00f3 gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Ph\u00e1p ch\u1ebf Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam (BIDV) cho r\u1eb1ng h\u1ea7u h\u1ebft c\u00e1c t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay hi\u1ec7n nay \u1edf ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 c\u1ee7a b\u00ean th\u1ee9 ba, kh\u00f4ng ph\u1ea3i c\u1ee7a ng\u01b0\u1eddi tr\u1ef1c ti\u1ebfp \u0111\u1ee9ng t\u00ean vay. \u0110\u00e2y c\u0169ng l\u00e0 nh\u1eefng v\u01b0\u1edbng m\u1eafc m\u00e0 nhi\u1ec1u nh\u00e0 b\u0103ng g\u1eb7p ph\u1ea3i khi x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o.<\/p>\n<p class=\"Normal\"><strong>Trao \u0111\u1ed5i v\u1edbi\u00a0<em>VnExpress.net<\/em>, nhi\u1ec1u lu\u1eadt s\u01b0 cho r\u1eb1ng, trong nh\u1eefng t\u00ecnh hu\u1ed1ng n\u00e0y, ch\u00ednh c\u00e1c n\u1ea1n nh\u00e2n c\u0169ng c\u00f3 nh\u1eefng sai s\u00f3t khi ch\u01b0a t\u00ecm hi\u1ec3u k\u1ef9 l\u01b0\u1ee1ng.<\/strong>\u00a0Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf c\u1ee7a Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng cho bi\u1ebft: &#8220;T\u1ea5t c\u1ea3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ec1u v\u00ec tin t\u01b0\u1edfng, y\u00ean t\u00e2m ng\u01b0\u1eddi vay kh\u00f4ng l\u1eeba m\u00ecnh nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i ng\u01b0\u1ee3c l\u1ea1i&#8221;.<\/p>\n<p class=\"Normal\">\u00d4ng \u0110\u1ee9c c\u0169ng cho r\u1eb1ng trong c\u00e2u chuy\u1ec7n n\u00e0y, v\u0103n ph\u00f2ng c\u00f4ng ch\u1ee9ng c\u1ea7n ph\u1ea3i l\u00e0m \u0111\u00fang tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh. &#8220;Ph\u1ea3i ki\u1ec3m tra, gi\u1ea3i th\u00edch k\u1ef9 \u0111\u01b0\u1ee3c s\u1ef1 t\u1ef1 nguy\u1ec7n v\u00e0 t\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a nh\u1eefng ng\u01b0\u1eddi d\u00e2n n\u1ebfu k\u00fd h\u1ee3p \u0111\u1ed3ng n\u00e0y. T\u00f4i e \u0111\u1ebfn 70-80% ng\u01b0\u1eddi d\u00e2n kh\u00f4ng bi\u1ebft l\u00e0 c\u00f3 th\u1ec3 m\u1ea5t tr\u1eafng ng\u00f4i nh\u00e0&#8221;, \u00f4ng \u0110\u1ee9c lo ng\u1ea1i.<\/p>\n<p class=\"Normal\">Theo b\u00e0 Ph\u01b0\u01a1ng, r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n kh\u00f4ng t\u00ecm hi\u1ec3u v\u00e0 \u0111\u1ecdc k\u1ef9 l\u01b0\u1ee1ng h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd. &#8220;Nh\u00ecn chung ng\u01b0\u1eddi d\u00e2n ph\u1ea3i \u0111\u1ecdc th\u1eadt k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00ec ngay trong h\u1ee3p \u0111\u1ed3ng c\u0169ng c\u00f3 nhi\u1ec1u ch\u1ed7 c\u00e0i c\u1eafm. R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi d\u1ec5 d\u00e0ng \u0111\u1ed3ng \u00fd trong khi kh\u00f4ng hi\u1ec3u nh\u1eefng r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra nh\u01b0 m\u1ea5t nh\u00e0 khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. N\u1ebfu c\u00f3 nhu c\u1ea7u vay ti\u1ec1n th\u1ef1c s\u1ef1 v\u00e0 c\u00f3 m\u1ea3nh \u0111\u1ea5t th\u1ebf ch\u1ea5p, c\u1ee9 m\u1ea1nh d\u1ea1n \u0111\u1ebfn ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i s\u1eb5n s\u00e0ng h\u01b0\u1edbng d\u1eabn&#8221;, b\u00e0 Ph\u01b0\u01a1ng khuy\u1ebfn c\u00e1o.<\/p>\n<p class=\"Normal\">M\u1ed9t c\u00e1n b\u1ed9 ph\u00e1p ch\u1ebf t\u1ea1i Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf (VIB) c\u0169ng th\u1eeba nh\u1eadn c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t kh\u1ed5 v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p vay chung hay cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf ki\u1ec3u n\u00e0y. Theo anh, ph\u1ea7n l\u1edbn c\u00e1c c\u00e1n b\u1ed9 th\u1ea9m \u0111\u1ecbnh kh\u00f4ng bi\u1ebft r\u1eb1ng c\u00f3 s\u1ef1 vi\u1ec7c tr\u00ean. &#8220;\u0110\u00f3 ho\u00e0n to\u00e0n l\u00e0 nh\u1eefng th\u1ecfa thu\u1eadn d\u00e2n s\u1ef1 gi\u1eefa b\u00ean vay v\u00e0 ng\u01b0\u1eddi c\u00f3 s\u1ed5 \u0111\u1ecf. Theo quy \u0111\u1ecbnh, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ph\u1ea3i kh\u00f4ng c\u00f3 tranh ch\u1ea5p, kh\u00f4ng c\u00f3 mua b\u00e1n, n\u00ean n\u1ebfu hai b\u00ean t\u1ef1 vi\u1ebft nh\u1eefng gi\u1ea5y t\u1edd \u0111\u1eb7t c\u1ecdc, c\u00e1c h\u1ee3p \u0111\u1ed3ng mua &#8211; b\u00e1n n\u00e0o \u0111\u00f3 v\u1edbi nhau th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c&#8221;, c\u00e1n b\u1ed9 n\u00e0y cho bi\u1ebft.<\/p>\n<p class=\"Normal\">Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u01b0a ra nh\u1eefng quy \u0111\u1ecbnh kh\u00e1 ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o c\u1ee7a b\u00ean th\u1ee9 ba. &#8220;M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ch\u1ec9 ch\u1ea5p nh\u1eadn v\u1edbi ng\u01b0\u1eddi trong gia \u0111\u00ecnh, t\u1ee9 th\u00e2n ph\u1ee5 m\u1eabu&#8230; \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro, tranh ch\u1ea5p ph\u00e1t sinh&#8221;, m\u1ed9t c\u00e1n b\u1ed9 ph\u00e1p ch\u1ebf cho bi\u1ebft.\u00a0Th\u1ebf nh\u01b0ng, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c c\u00f2n cho r\u1eb1ng c\u0169ng c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 th\u1ea9m \u0111\u1ecbnh bi\u1ebft r\u00f5 nh\u1eefng t\u00ecnh ti\u1ebft n\u00e0y nh\u01b0ng v\u00ec nhi\u1ec1u l\u00fd do n\u00ean \u0111\u00e3 &#8220;nh\u1eafm m\u1eaft&#8221; b\u1ecf qua.<\/p>\n<\/article>\n<p class=\"normal\" style=\"text-align: left\" align=\"right\"><strong><span style=\"font-size: 12.0pt\">Thanh Thanh Lan<\/span><\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Vnexpress 04-7-2013:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/bat-dong-san\/can-trong-voi-chieu-mua-nha-muon-so-do-the-chap-ngan-hang-2843337.html\">http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/bat-dong-san\/can-trong-voi-chieu-mua-nha-muon-so-do-the-chap-ngan-hang-2843337.html<\/a><\/em><\/p>\n<p><em>(203\/993)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNE) &#8211; V\u00ec c\u1ea3 tin cho m\u01b0\u1ee3n s\u1ed5 \u0111\u1ecf th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng, kh\u00f4ng \u00edt gia \u0111\u00ecnh \u0111\u1ed1i m\u1eb7t nguy c\u01a1 v\u00f4 gia c\u01b0 khi ng\u01b0\u1eddi quen nh\u1eadn ti\u1ec1n r\u1ed3i cao ch\u1ea1y xa bay. Ph\u1ea3n \u00e1nh v\u1edbi\u00a0VnExpress.net, \u00f4ng V\u01b0\u01a1ng Duy Th\u00e0nh (T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i) cho bi\u1ebft th\u1eeda \u0111\u1ea5t h\u01a1n 80 m2 s\u1edf h\u1eefu \u0111ang [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":22739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-22729","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>294. 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