{"id":23634,"date":"2013-08-26T16:14:58","date_gmt":"2013-08-26T09:14:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=23634"},"modified":"2022-05-27T16:16:30","modified_gmt":"2022-05-27T09:16:30","slug":"340-the-tin-dung-tuong-duoc-mien-phi-hoa-ra-mac-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/340-the-tin-dung-tuong-duoc-mien-phi-hoa-ra-mac-no\/","title":{"rendered":"340. Th\u1ebb t\u00edn d\u1ee5ng t\u01b0\u1edfng \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed h\u00f3a ra m\u1eafc n\u1ee3"},"content":{"rendered":"(VNN) – Ham m\u1edf th\u1ebb t\u00edn d\u1ee5ng mi\u1ec5n ph\u00ed c\u1ee7a ng\u00e2n h\u00e0ng, kh\u00f4ng \u00edt ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 v\u00f4 t\u00ecnh g\u1eb7p r\u1eafc r\u1ed1i khi ph\u00e1t sinh c\u00e1c lo\u1ea1i ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 ph\u00ed d\u1ecbch v\u1ee5 \u0111i k\u00e8m.<\/strong><\/p>\n

M\u1eafc n\u1ee3 v\u00ec ham mi\u1ec5n ph\u00ed<\/strong><\/p>\n

Nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o n\u1ee3 ti\u1ec1n ng\u00e2n h\u00e0ng, anh L\u01b0u Minh \u0110\u1ee9c (nh\u00e2n vi\u00ean v\u0103n ph\u00f2ng \u1edf qu\u1eadn C\u1ea7u Gi\u1ea5y, H\u00e0 N\u1ed9i) m\u1edbi t\u00e1 h\u1ecfa. C\u00e1ch \u0111\u00e2y h\u01a1n m\u1ed9t n\u0103m, \u0111\u01b0\u1ee3c m\u1ed9t n\u1eef nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng n\u1ecd t\u01b0 v\u1ea5n nhi\u1ec7t t\u00ecnh qua \u0111i\u1ec7n tho\u1ea1i, anh \u0110\u1ee9c \u0111\u00e3 l\u00e0m th\u1ebb t\u00edn d\u1ee5ng mi\u1ec5n ph\u00ed. Th\u1eddi gian d\u00e0i sau khi k\u00edch ho\u1ea1t th\u1ebb, anh ch\u01b0a s\u1eed d\u1ee5ng m\u00e0 ch\u1ec9 \u0111\u1ec3 trong v\u00ed cho oai. T\u1edbi nay, anh m\u1edbi s\u1ef1c nh\u1edb ra m\u00ecnh \u0111ang c\u00f3 trong tay v\u00e0i c\u00e1i th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nhau kh\u00f4ng s\u1eed d\u1ee5ng, n\u1ebfu kh\u00f4ng h\u1ee7y s\u1edbm s\u1ebd ph\u1ea3i \u0111\u00f3ng ti\u1ec1n tri\u1ec7u ph\u00ed th\u01b0\u1eddng ni\u00ean m\u1ed7i n\u0103m.<\/p>\n

Anh \u0110\u1ee9c cho hay: \u201c\u0110\u00fang l\u00e0 khi m\u1edf th\u1ebb m\u00ecnh kh\u00f4ng ngh\u0129 t\u1edbi vi\u1ec7c thu ph\u00ed th\u01b0\u1eddng ni\u00ean sau khi h\u1ebft h\u1ea1n n\u0103m \u0111\u1ea7u mi\u1ec5n ph\u00ed. T\u00ednh s\u01a1 s\u01a1 c\u0169ng m\u1ea5t v\u00e0i tr\u0103m ngh\u00ecn \u0111\u1ed3ng\/n\u0103m m\u00e0 th\u1ebb th\u00ec v\u1ee9t trong ng\u0103n k\u00e9o kh\u00f4ng d\u00f9ng t\u1edbi. Sau v\u1ee5 n\u00e0y ch\u1eafc ph\u1ea3i \u0111i \u0111\u00f3ng t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i th\u1ebb linh tinh kh\u00f4ng d\u00f9ng\u201d. Ng\u00e2n h\u00e0ng \u0111\u00f2i anh \u0111\u00f3ng 350.000 \u0111\u1ed3ng\/n\u0103m ph\u00ed th\u01b0\u1eddng ni\u00ean, k\u1ec3 c\u1ea3 khi \u0111\u00f3ng th\u1ebb anh v\u1eabn ph\u1ea3i \u0111\u00f3ng ti\u1ec1n ph\u00ed n\u00e0y.<\/p>\n

C\u00f9ng c\u1ea3nh ng\u1ed9, m\u1ed9t th\u00e0nh vi\u00ean chia s\u1ebb tr\u00ean di\u1ec5n \u0111\u00e0n m\u1ea1ng: \u201c\u0110\u01b0\u1ee3c m\u1ed9t ng\u00e2n h\u00e0ng m\u1eddi ch\u00e0o m\u1edf th\u1ebb t\u00edn d\u1ee5ng, em \u1ee7ng h\u1ed9 m\u1ed9t c\u00e1i m\u00e0 kh\u00f4ng d\u00f9ng \u0111\u1ebfn. B\u1eb5ng \u0111i m\u1ed9t 1 n\u0103m, qu\u00e1 m\u1ed9t ng\u00e0y ng\u00e2n h\u00e0ng tr\u1eeb lu\u00f4n 200.000 \u0111\u1ed3ng ph\u00ed th\u01b0\u1eddng ni\u00ean c\u1ee7a n\u0103m th\u1ee9 hai, tu\u1ea7n sau m\u1edbi th\u00f4ng b\u00e1o cho em l\u00e0 d\u01b0 n\u1ee3. B\u1ef1c m\u00ecnh, em g\u1ecdi \u0111i\u1ec7n l\u00ean t\u1ed5ng \u0111\u00e0i ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng th\u1eafc m\u1eafc th\u00ec nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi mu\u1ed1n c\u1eaft th\u00ec ph\u1ea3i ra chi nh\u00e1nh n\u1ed9p ti\u1ec1n. Em th\u1eed kh\u00f4ng n\u1ed9p, th\u00e1ng sau b\u1ecb t\u00ednh 200.000 ti\u1ec1n n\u1ee3 c\u1ed9ng t\u1edbi 70.000 ti\u1ec1n qu\u00e1 h\u1ea1n v\u00e0 li\u00ean t\u1ee5c b\u1ecb ng\u00e2n h\u00e0ng g\u1ecdi \u0111i\u1ec7n. Ph\u00eda ng\u00e2n h\u00e0ngch\u00e9m<\/em>\u00a0<\/em>\u00e1c qu\u00e1, n\u1ee3 c\u00f3 200.000 \u0111\u1ed3ng m\u00e0 n\u1ed9p ch\u1eadm ph\u1ea1t t\u1edbi 70.000 \u0111\u1ed3ng v\u00e0 t\u00ednh c\u1ea3 l\u00e3i\u201d.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, ch\u1ecb Nguy\u1ec5n Thu Trang (nh\u00e2n vi\u00ean kinh doanh m\u1ed9t c\u00f4ng ty truy\u1ec1n th\u00f4ng \u1edf Ba \u0110\u00ecnh, H\u00e0 N\u1ed9i) c\u0169ng ph\u1ea3i \u0111\u00f3ng 500.000 \u0111\u1ed3ng ti\u1ec1n th\u1ebb t\u00edn d\u1ee5ng. C\u0169ng ch\u1ec9 v\u00ec ham m\u1edf th\u1ebb mi\u1ec5n ph\u00ed m\u00e0 ch\u1ecb ph\u1ea3i \u0111\u00f3ng s\u1ed1 ti\u1ec1n l\u1edbn nh\u01b0 v\u1eady trong n\u0103m ti\u1ebfp theo. Ch\u1ecb Trang \u1ea5m \u1ee9c, ph\u00ed th\u01b0\u1eddng ni\u00ean ch\u1ec9 300.000 \u0111\u1ed3ng nh\u01b0ng do \u0111\u00f3ng ch\u1eadm, ch\u1ecb b\u1ecb ph\u1ea1t th\u00eam 200.000 \u0111\u1ed3ng.<\/p>\n

C\u0169ng v\u00ec n\u1ee3 ph\u00ed th\u01b0\u1eddng ni\u00ean kh\u00f4ng thanh to\u00e1n, anh Nguy\u1ec5n Minh T\u00fa (qu\u1eadn H\u00e0 \u0110\u00f4ng, H\u00e0 N\u1ed9i) \u0111\u00e3 b\u1ecb li\u1ec7t v\u00e0o danh s\u00e1ch \u0111en c\u1ee7a ng\u00e2n h\u00e0ng. Anh T\u00fa cho hay: \u201cN\u0103m 2009 m\u00ecnh m\u1edf th\u1ebb t\u00edn d\u1ee5ng \u1edf ng\u00e2n h\u00e0ng, v\u00ec l\u00e0 s\u1ed1 ti\u1ec1n nh\u1ecf n\u00ean c\u0169ng l\u01b0\u1eddi \u0111i \u0111\u00f3ng. Ai d\u00e8 m\u1edbi \u0111\u00e2y m\u1edf c\u00e1i th\u1ebb t\u00edn d\u1ee5ng \u1edf ng\u00e2n h\u00e0ng kh\u00e1c \u0111\u00e3 b\u1ecb t\u1eeb ch\u1ed1i do c\u00f3 th\u00f4ng tin n\u1ee3 ti\u1ec1n\u201d. Theo kinh nghi\u1ec7m c\u1ee7a anh T\u00fa, n\u1ebfu kh\u00f4ng d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng th\u00ec n\u00ean \u0111\u00f3ng t\u00e0i kho\u1ea3n ngay, tr\u00e1nh \u0111\u1ec3 l\u00e2u ph\u00e1t sinh ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 ti\u1ec1n duy tr\u00ec th\u1ebb m\u00e0 ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i tr\u1ea3 l\u00e3i r\u1ea5t cao.<\/p>\n

L\u1ee3i nh\u00e0 gi\u1ea7u, \u0111au nh\u00e0 ngh\u00e8o<\/em><\/strong><\/p>\n

\u0110\u1ec3 m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang \u0111\u01b0a ra nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i h\u1ea5p d\u1eabn, mi\u1ec5n ph\u00ed m\u1edf th\u1ebb v\u00e0 ph\u00ed th\u01b0\u1eddng ni\u00ean trong n\u0103m \u0111\u1ea7u. Tuy nhi\u00ean, n\u1ebfu kh\u00f4ng c\u00f3 nhu c\u1ea7u, ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng n\u00ean m\u1edf th\u1ebb b\u1edfi m\u1ee9c ph\u00ed th\u01b0\u1eddng ni\u00ean c\u00e1c n\u0103m ti\u1ebfp theo r\u1ea5t cao. Ch\u1ec9 c\u1ea7n kh\u00e1ch thanh to\u00e1n tr\u1ec5 h\u1ea1n hai l\u1ea7n trong m\u1ed9t n\u0103m th\u00ec s\u1ed1 ti\u1ec1n ch\u1ee7 th\u1ebb b\u1ecb ph\u1ea1t c\u00f3 th\u1ec3 c\u00f2n cao h\u01a1n c\u1ea3 ph\u00ed th\u01b0\u1eddng ni\u00ean.<\/p>\n

Theo kh\u1ea3o s\u00e1t, ph\u00ed th\u01b0\u1eddng ni\u00ean \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng cho th\u1ebb t\u00edn d\u1ee5ng t\u1eeb 100.000-1.000.000 \u0111\u1ed3ng\/n\u0103m\/th\u1ebb, t\u00f9y lo\u1ea1i th\u1ebb chu\u1ea9n hay th\u1ebb v\u00e0ng, th\u1ebb platium. Trong \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng \u201cngo\u1ea1i\u201d thu ph\u00ed cao h\u01a1n ng\u00e2n h\u00e0ng \u201cn\u1ed9i\u201d. C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd thu nh\u1eefng lo\u1ea1i ph\u00ed kh\u00e1c khi ch\u1ee7 th\u1ebb c\u00f3 y\u00eau c\u1ea7u nh\u01b0 ph\u00ed cung c\u1ea5p l\u1ea1i b\u1ea3n sao k\u00ea, ph\u00ed khi\u1ebfu n\u1ea1i sai, ph\u00ed thay \u0111\u1ed5i lo\u1ea1i th\u1ebb, ph\u00ed thay \u0111\u1ed5i h\u1ea1n m\u1ee9c, ph\u00ed ph\u1ea1t tr\u1ec5 h\u1ea1n hay ph\u00ed ch\u1eadm thanh to\u00e1n,…<\/p>\n

Sau nhi\u1ec1u n\u0103m \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n th\u1ebb t\u00edn d\u1ee5ng th\u1ea5u chi, cho ph\u00e9p kh\u00e1ch h\u00e0ng ti\u00eau tr\u01b0\u1edbc tr\u1ea3 sau, nhi\u00ea\u0300u ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang d\u1ea7n si\u1ebft l\u1ea1i \u0111i\u1ec1u ki\u1ec7n cho ng\u01b0\u1eddi m\u1edf th\u1ebb nh\u1eb1m ng\u0103n ng\u1eeba n\u1ee3 x\u1ea5u gia t\u0103ng.<\/p>\n

Theo chuy\u00ean gia t\u00e0i ch\u00ednh Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam), \u201cb\u1ea3n ch\u1ea5t c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng l\u00e0 d\u00e0nh cho ng\u01b0\u1eddi c\u00f3 ti\u1ec1n nh\u01b0ng nh\u1ea5t th\u1eddi b\u1ecb thi\u1ebfu h\u1ee5t ho\u1eb7c kh\u00f4ng mu\u1ed1n ti\u00eau ti\u1ec1n m\u1eb7t. V\u00ec v\u1eady, n\u1ebfu kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, chi ti\u00eau qu\u00e1 \u00edt ho\u1eb7c th\u1ef1c s\u1ef1 c\u00f3 nhu c\u1ea7u, th\u00ec s\u1ebd kh\u00f4ng hi\u1ec7u qu\u1ea3. Th\u1eadm ch\u00ed, s\u1ebd c\u1ea3m th\u1ea5y \u0111\u1eaft v\u00ec m\u1ea5t oan chi ph\u00ed th\u01b0\u1eddng ni\u00ean \u0111\u1ec3 duy tr\u00ec th\u1ebb, cao h\u01a1n nhi\u1ec1u so v\u1edbi th\u1ebb ATM\u201d, \u00f4ng \u0110\u1ee9c cho hay.<\/em><\/p>\n

V\u1ecb chuy\u00ean gia ng\u00e2n h\u00e0ng n\u00e0y n\u00e0y l\u01b0u \u00fd, vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng kh\u00e1 d\u1ec5 d\u00e0ng, kh\u00f4ng c\u1ea7n m\u1eadt kh\u1ea9u, n\u00ean r\u1ea5t d\u1ec5 b\u1ecb l\u1ee3i d\u1ee5ng, gian l\u1eadn n\u1ebfu \u0111\u1ec3 ng\u01b0\u1eddi kh\u00e1c (k\u1ec3 c\u1ea3 c\u00e1c \u0111i\u1ec3m thanh to\u00e1n th\u1ebb kh\u00f4ng tin c\u1eady) bi\u1ebft \u0111\u01b0\u1ee3c d\u00e3y s\u1ed1 in c\u00f4ng khai tr\u00ean th\u1ebb.<\/em><\/p>\n

S\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c vay n\u1ee3 \u201cti\u00eau tr\u01b0\u1edbc, tr\u1ea3 sau\u201d, r\u1ea5t d\u1ec5 \u0111\u1ebfn t\u00e2m l\u00fd chi ti\u00eau tho\u1ea3i m\u00e1i. Do \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n t\u00ednh to\u00e1n k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, v\u00ec n\u1ebfu kh\u00f4ng thanh to\u00e1n \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n, th\u00ec s\u1ebd ph\u1ea3i ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t cao g\u1ea5p r\u01b0\u1ee1i, th\u1eadm ch\u00ed g\u1ea5p \u0111\u00f4i vay n\u1ee3 th\u00f4ng th\u01b0\u1eddng. Ngo\u00e0i ra, ng\u01b0\u1eddi vay c\u00f2n c\u00f3 th\u1ec3 b\u1ecb r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng c\u00f3 n\u1ee3 x\u1ea5u, s\u1ebd b\u1ecb m\u1ea5t \u0111i\u1ec3m khi c\u1ea7n vay v\u1ed1n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Th\u1ebb t\u00edn d\u1ee5ng ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao v\u00e0 th\u01b0\u1eddng xuy\u00ean c\u00f3 nhu c\u1ea7u mua s\u1eafm \u1edf nh\u1eefng n\u01a1i ch\u00e1p nh\u1eadn thanh to\u00e1n th\u1ebb. Ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp kh\u00f4ng cao v\u00e0 ng\u01b0\u1eddi \u00edt mua s\u1eafm th\u00ec ch\u01b0a n\u00ean s\u1eed d\u1ee5ng v\u00e0 n\u1ebfu c\u00f3, th\u00ec c\u0169ng n\u00ean c\u00e2n nh\u1eafc kh\u00f4ng s\u1eed d\u1ee5ng nhi\u1ec1u th\u1ebb t\u00edn d\u1ee5ng\u201d, \u00f4ng \u0110\u1ee9c khuy\u00ean.<\/em><\/p>\n

Duy Anh<\/strong><\/p>\n

(301\/1.115)<\/strong><\/p>\n

\n

VEF 26-8-2013 (M\u1ee5c Kinh t\u1ebf):<\/em><\/strong><\/p>\n

http:\/\/vietnamnet.vn\/vn\/kinh-te\/137230\/the-tin-dung-tuong-duoc-mien-phi-hoa-ra-mac-no.html<\/a>\u00a0<\/em><\/p>\n

<\/h1>","protected":false},"excerpt":{"rendered":"

(VNN) – Ham m\u1edf th\u1ebb t\u00edn d\u1ee5ng mi\u1ec5n ph\u00ed c\u1ee7a ng\u00e2n h\u00e0ng, kh\u00f4ng \u00edt ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 v\u00f4 t\u00ecnh g\u1eb7p r\u1eafc r\u1ed1i khi ph\u00e1t sinh c\u00e1c lo\u1ea1i ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 ph\u00ed d\u1ecbch v\u1ee5 \u0111i k\u00e8m. M\u1eafc n\u1ee3 v\u00ec ham mi\u1ec5n ph\u00ed Nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o n\u1ee3 ti\u1ec1n ng\u00e2n h\u00e0ng, anh L\u01b0u Minh \u0110\u1ee9c […]<\/p>\n","protected":false},"author":1,"featured_media":23618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[29],"class_list":["post-23634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-truong-thanh-duc"],"acf":[],"yoast_head":"\n340. Th\u1ebb t\u00edn d\u1ee5ng t\u01b0\u1edfng \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed h\u00f3a ra m\u1eafc n\u1ee3 - 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\/340-the-tin-dung-tuong-duoc-mien-phi-hoa-ra-mac-no\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]340. 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