{"id":23317,"date":"2020-04-17T10:27:21","date_gmt":"2020-04-17T03:27:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23317"},"modified":"2022-05-26T14:45:47","modified_gmt":"2022-05-26T07:45:47","slug":"2505-no-chong-no-vi-tron-nghia-vu-tra-no-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2505-no-chong-no-vi-tron-nghia-vu-tra-no-vay-tieu-dung\/","title":{"rendered":"2.505. N\u1ee3 ch\u1ed3ng n\u1ee3 v\u00ec tr\u1ed1n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(TT) – Vay n\u1ee3 r\u1ed3i t\u00ecm c\u00e1ch tr\u1ed1n n\u1ee3, ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3\u2026, ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 t\u1ef1 \u0111\u1ea9y m\u00ecnh v\u00e0o th\u1ebf kh\u00f3 khi ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i ph\u1ea1t cao h\u01a1n, d\u00ednh ‘v\u1ebft \u0111en’ tr\u00ean l\u00fd l\u1ecbch t\u00e0i ch\u00ednh, b\u1ecb n\u1ee3 x\u1ea5u tr\u00ean CIC, g\u00e2y b\u1ea5t l\u1ee3i cho giao d\u1ecbch t\u00e0i ch\u00ednh v\u1ec1 sau.<\/strong><\/p>\n

\"\"<\/p>\n

Ng\u01b0\u1eddi \u0111i vay c\u1ea7n c\u00f3 k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n \u0111\u1ec3 kh\u00f4ng b\u1ecb ph\u1ea1t<\/p>\n

L\u00e3i ph\u1ea1t cao khi ch\u00e2y \u1ef3 kh\u00f4ng tr\u1ea3 n\u1ee3<\/strong><\/p>\n

C\u1ea7n g\u1ea5p m\u1ed9t kho\u1ea3n ti\u1ec1n song l\u1ea1i kh\u00f4ng th\u1ec3 vay ng\u00e2n h\u00e0ng, anh N.T.H. (H\u00e0 N\u1ed9i) c\u00f3 vay m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh 50 tri\u1ec7u \u0111\u1ed3ng. Th\u1ee7 t\u1ee5c vay \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, s\u1ed1 ti\u1ec1n vay \u0111\u01b0\u1ee3c c\u00f4ng ty nhanh ch\u00f3ng gi\u1ea3i ng\u00e2n tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n.<\/p>\n

Th\u1ebf nh\u01b0ng, sau 4 th\u00e1ng tr\u1ea3 n\u1ee3, khi c\u00f4ng vi\u1ec7c kinh doanh kh\u00f4ng thu\u1eadn l\u1ee3i, anh H. \u0111\u00e3 kh\u00f4ng thanh to\u00e1n. Sau nhi\u1ec1u l\u1ea7n th\u00f4ng b\u00e1o y\u00eau c\u1ea7u tr\u1ea3 n\u1ee3 theo \u0111\u00fang h\u1ee3p \u0111\u1ed3ng v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt kh\u00f4ng th\u00e0nh, anh H. nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh y\u00eau c\u1ea7u tr\u1ea3 n\u1ee3 v\u1edbi s\u1ed1 ti\u1ec1n cao h\u01a1n n\u1ee3 g\u1ed1c do b\u1ecb t\u00ednh l\u00e3i ph\u1ea1t, n\u1ebfu kh\u00f4ng s\u1ebd b\u1ecb kh\u1edfi ki\u1ec7n ra t\u00f2a.<\/p>\n

C\u0169ng gi\u1ed1ng nh\u01b0 anh H., r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng khi vay v\u1ed1n ti\u00eau d\u00f9ng \u0111\u00e3 xem nh\u1eb9 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3, d\u1eabn t\u1edbi nh\u1eefng h\u1ec7 l\u1ee5y kh\u00f4ng nh\u1ecf, b\u1ecb n\u1ee3 x\u1ea5u tr\u00ean CIC (Trung t\u00e2m Th\u00f4ng tin t\u00edn d\u1ee5ng qu\u1ed1c gia) v\u00e0 kh\u00f4ng th\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng nhi\u1ec1u n\u0103m sau \u0111\u00f3\u2026<\/p>\n

Theo c\u00e1c chuy\u00ean gia kinh t\u1ebf, vi\u1ec7c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 l\u00e3i su\u1ea5t vay cao h\u01a1n so v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u00e0 vi\u1ec7c \u00e1p l\u00e3i ph\u1ea1t cao \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ch\u00e2y \u1ef3, tr\u1ed1n n\u1ee3 \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro l\u00e0 \u0111i\u1ec1u \u0111\u01b0\u01a1ng nhi\u00ean. B\u1edfi c\u00f4ng ty t\u00e0i ch\u00ednh \u0111a ph\u1ea7n cho vay t\u00edn ch\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, n\u1ebfu kh\u00f4ng \u00e1p l\u00e3i ph\u1ea1t cao, t\u1ec9 l\u1ec7 tr\u1ed1n n\u1ee3 s\u1ebd r\u1ea5t l\u1edbn, d\u1eabn \u0111\u1ebfn kh\u00f3 b\u1ea3o to\u00e0n v\u1ed1n ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

C\u00e1c chuy\u00ean gia c\u0169ng cho r\u1eb1ng v\u1edbi c\u00e1c m\u00f3n vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh, cho vay 10 th\u00ec 2 m\u00f3n c\u00f3 nguy c\u01a1 m\u1ea5t tr\u1eafng. Ch\u01b0a n\u00f3i c\u00e1c chi ph\u00ed, r\u1ee7i ro cao l\u00e0 l\u00fd do c\u00e1c c\u00f4ng ty n\u00e0y ph\u1ea3i \u0111\u01b0a l\u00e3i su\u1ea5t cho vay, bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn ph\u00f9 h\u1ee3p \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro.<\/p>\n

“Kh\u00e1ch h\u00e0ng bao gi\u1edd c\u0169ng mu\u1ed1n vay l\u00e3i su\u1ea5t th\u1ea5p, nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 th\u1ecb tr\u01b0\u1eddng c\u00f3 ch\u1ea5p nh\u1eadn hay kh\u00f4ng. N\u1ebfu kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi d\u00e2n ch\u1ec9 c\u00f3 hai l\u1ef1a ch\u1ecdn: vay v\u1ed1n c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1eb7c “t\u00edn d\u1ee5ng \u0111en” v\u1edbi l\u00e3i su\u1ea5t cao g\u1ea5p h\u00e0ng tr\u0103m l\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh. N\u1ebfu c\u1ed9ng t\u1ea5t c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 chi ph\u00ed s\u1ebd th\u1ea5y l\u00e3i vay c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh cao g\u1ea5p 2,5 – 3 l\u1ea7n ng\u00e2n h\u00e0ng v\u1eabn l\u00e0 h\u1ee3p l\u00fd”, m\u1ed9t chuy\u00ean gia ph\u00e2n t\u00edch.<\/p>\n

\u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n n\u1ee3 vay b\u1ecb chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n, th\u00f4ng t\u01b0 39\/2016\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u0169ng \u0111\u00e3 quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean d\u01b0 n\u1ee3 g\u1ed1c b\u1ecb qu\u00e1 h\u1ea1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t cho vay t\u1ea1i th\u1eddi \u0111i\u1ec3m chuy\u1ec3n n\u1ee3 qu\u00e1 h\u1ea1n. “N\u1ebfu kh\u00f4ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, kh\u00e1ch vay s\u1ebd b\u1ecb n\u1ee3 ch\u1ed3ng n\u1ee3”, lu\u1eadt s\u01b0 H\u00e0 Huy Phong, gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt TNHH Inteco, c\u1ea3nh b\u00e1o.<\/p>\n

Tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro khi vay v\u1ed1n<\/strong><\/p>\n

Theo \u00fd ki\u1ebfn c\u1ee7a c\u00e1c chuy\u00ean gia ng\u00e2n h\u00e0ng, l\u00e3i su\u1ea5t cho vay ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a vi\u1ec7c cho vay. R\u1ee7i ro cao th\u00ec l\u00e3i su\u1ea5t c\u00e0ng cao, r\u1ee7i ro th\u1ea5p th\u00ec l\u00e3i su\u1ea5t c\u00e0ng th\u1ea5p. Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ch\u1ec9 Vi\u1ec7t Nam m\u00e0 \u1edf nhi\u1ec1u n\u01b0\u1edbc tr\u00ean th\u1ebf gi\u1edbi, l\u00e3i vay ti\u00eau d\u00f9ng v\u00e0 l\u00e3i ph\u1ea1t c\u0169ng \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng \u1edf m\u1ee9c cao.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, mu\u1ed1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t th\u1ea5p, ng\u01b0\u1eddi vay n\u00ean c\u00f3 k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 r\u00f5 r\u00e0ng, \u0111\u00fang h\u1ea1n, tr\u00e1nh b\u1ecb \u00e1p l\u00e3i ph\u1ea1t. Tuy nhi\u00ean, \u0111i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0 hi\u1ec7n nay nh\u1eadn th\u1ee9c c\u1ee7a nhi\u1ec1u kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i Vi\u1ec7t Nam v\u1ec1 tr\u00e1ch nhi\u1ec7m tr\u1ea3 n\u1ee3 v\u1eabn c\u00f2n th\u1ea5p, g\u00e2y r\u1ea5t nhi\u1ec1u kh\u00f3 kh\u0103n cho c\u00f4ng ty t\u00e0i ch\u00ednh trong c\u00f4ng t\u00e1c thu h\u1ed3i n\u1ee3, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u00e0y. V\u1ec1 l\u00fd, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n ra t\u00f2a \u0111\u1ec3 \u0111\u00f2i n\u1ee3, song theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/strong><\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/strong>\u00a0<\/em>t\u00f2a \u00e1n c\u0169ng \u0111ang qu\u00e1 t\u1ea3i.<\/em><\/p>\n

“Trong n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, b\u00ean c\u1ea1nh vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i, lu\u1eadt c\u0169ng ph\u1ea3i \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd b\u1ea3o v\u1ec7 quy\u1ec1n s\u1edf h\u1eefu n\u00f3i chung, quy\u1ec1n c\u1ee7a b\u00ean cho vay n\u00f3i ri\u00eang”, lu\u1eadt s\u01b0 \u0110\u1ee9c \u0111\u1ec1 ngh\u1ecb.<\/em><\/p>\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho ng\u01b0\u1eddi \u0111i vay, v\u1ec1 ph\u00eda c\u00f4ng ty t\u00e0i ch\u00ednh, \u00f4ng Nguy\u1ec5n Th\u00e0nh Ph\u00fac – ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c FE Credit – c\u0169ng khuy\u1ebfn ngh\u1ecb kh\u00e1ch h\u00e0ng c\u1ea7n c\u00f3 k\u1ef7 lu\u1eadt v\u00e0 quy\u1ebft t\u00e2m trong vi\u1ec7c c\u00e2n \u0111\u1ed1i chi ti\u00eau \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n vay m\u1ed7i th\u00e1ng, tr\u1ea3 \u0111\u00fang h\u1ea1n nh\u1eb1m tr\u00e1nh vi\u1ec7c tr\u1ea3 n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 c\u00e1c kho\u1ea3n l\u00e3i ph\u00e1t sinh hay nghi\u00eam tr\u1ecdng h\u01a1n l\u00e0 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n n\u1ee3.<\/p>\n

“Vi\u1ec7c th\u1ef1c hi\u1ec7n thanh to\u00e1n \u0111\u00fang th\u1eddi h\u1ea1n theo th\u1ecfa thu\u1eadn ban \u0111\u1ea7u gi\u00fap cho kh\u00e1ch h\u00e0ng kh\u00f4ng b\u1ecb ph\u00e1t sinh th\u00eam c\u00e1c kho\u1ea3n ph\u00ed v\u1ec1 l\u00e3i su\u1ea5t v\u00e0 ph\u00ed ph\u1ea1t. L\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t s\u1ebd h\u1ed7 tr\u1ee3 cho kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn v\u1edbi vi\u1ec7c vay v\u1ed1n v\u1edbi nhi\u1ec1u k\u00eanh kh\u00e1c nhau v\u00e0 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nhanh ch\u00f3ng h\u01a1n. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n hi\u1ec3u r\u00f5 h\u1ec7 l\u1ee5y n\u1ebfu c\u00f3 “v\u1ebft \u0111en” t\u00e0i ch\u00ednh khi kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. B\u1edfi l\u1ebd, ch\u1ec9 c\u1ea7n ng\u01b0\u1eddi s\u1eed d\u1ee5ng ph\u00e1t sinh n\u1ee3 x\u1ea5u t\u1ea1i m\u1ed9t t\u1ed5 ch\u1ee9c th\u00ec t\u1ea5t c\u1ea3 c\u00e1c n\u01a1i kh\u00e1c \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u00e0 ng\u01b0ng c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 n\u1ee3 x\u1ea5u”, \u00f4ng Ph\u00fac c\u1ea3nh b\u00e1o.<\/p>\n

T.D.V<\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Tu\u1ed5i tr\u1ebb (C\u1ea7n bi\u1ebft) 17-4-2020:<\/em><\/strong><\/p>\n

https:\/\/tuoitre.vn\/no-chong-no-vi-tron-nghia-vu-tra-no-vay-tieu-dung-20200417160645483.htm<\/em><\/a><\/p>\n

(78\/1.056)<\/em>","protected":false},"excerpt":{"rendered":"

(TT) – Vay n\u1ee3 r\u1ed3i t\u00ecm c\u00e1ch tr\u1ed1n n\u1ee3, ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3\u2026, ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 t\u1ef1 \u0111\u1ea9y m\u00ecnh v\u00e0o th\u1ebf kh\u00f3 khi ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i ph\u1ea1t cao h\u01a1n, d\u00ednh ‘v\u1ebft \u0111en’ tr\u00ean l\u00fd l\u1ecbch t\u00e0i ch\u00ednh, b\u1ecb n\u1ee3 x\u1ea5u tr\u00ean CIC, g\u00e2y b\u1ea5t l\u1ee3i cho giao d\u1ecbch t\u00e0i ch\u00ednh v\u1ec1 sau. Ng\u01b0\u1eddi […]<\/p>\n","protected":false},"author":3,"featured_media":23318,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-23317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.505. 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N\u1ee3 ch\u1ed3ng n\u1ee3 v\u00ec tr\u1ed1n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(TT) – Vay n\u1ee3 r\u1ed3i t\u00ecm c\u00e1ch tr\u1ed1n n\u1ee3, ch\u00e2y \u1ef3 tr\u1ea3 n\u1ee3\u2026, ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 t\u1ef1 \u0111\u1ea9y m\u00ecnh v\u00e0o th\u1ebf kh\u00f3 khi ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i ph\u1ea1t cao h\u01a1n, d\u00ednh ‘v\u1ebft \u0111en’ tr\u00ean l\u00fd l\u1ecbch t\u00e0i ch\u00ednh, b\u1ecb n\u1ee3 x\u1ea5u tr\u00ean CIC, g\u00e2y b\u1ea5t l\u1ee3i cho giao d\u1ecbch t\u00e0i ch\u00ednh v\u1ec1 sau. 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