{"id":24012,"date":"2019-02-02T08:46:53","date_gmt":"2019-02-02T01:46:53","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24012"},"modified":"2022-06-01T21:46:53","modified_gmt":"2022-06-01T14:46:53","slug":"2-130-khong-che-chi-phi-lai-vay-khong-phai-ho-co-can-troi-chat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-130-khong-che-chi-phi-lai-vay-khong-phai-ho-co-can-troi-chat\/","title":{"rendered":"2.130. Kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay: Kh\u00f4ng ph\u1ea3i h\u1ed5, c\u00f3 c\u1ea7n tr\u00f3i ch\u1eb7t?"},"content":{"rendered":"(VNF) \u2013 Quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m ch\u1ed1ng gian l\u1eadn thu\u1ebf khi k\u00ea khai gi\u00e1 giao d\u1ecbch li\u00ean k\u1ebft. Tuy nhi\u00ean ch\u1ec9 c\u00f3 h\u1ed5 m\u1edbi ph\u1ea3i tr\u00f3i ch\u1eb7t, c\u00f2n doanh nghi\u1ec7p trong n\u01b0\u1edbc \u0111a ph\u1ea7n ch\u1ec9 l\u00e0 m\u00e8o con.<\/strong><\/p>\n

\"\"<\/p>\n

Vi\u1ec7c kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay \u0111ang g\u00e2y kh\u00f3 cho nhi\u1ec1u doanh nghi\u1ec7p trong n\u01b0\u1edbc, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, doanh nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c c\u00f3 h\u1ec7 s\u1ed1 \u0111\u00f2n b\u1ea9y cao.<\/strong><\/p>\n

Kh\u00f4ng n\u00ean x\u1ebfp m\u1ecdi doanh nghi\u1ec7p v\u00e0o m\u1ed9t gi\u1ecf<\/p>\n

Ng\u00e0y 24\/2\/2017, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh 20 quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft.<\/p>\n

Kho\u1ea3n 3, \u0110i\u1ec1u 8 Ngh\u1ecb \u0111\u1ecbnh 20 quy \u0111\u1ecbnh: \u201cT\u1ed5ng chi ph\u00ed l\u00e3i vay ph\u00e1t sinh trong k\u00ec c\u1ee7a doanh nghi\u1ec7p \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ed5ng l\u1ee3i nhu\u1eadn t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ed9ng v\u1edbi chi ph\u00ed l\u00e3i vay, chi ph\u00ed kh\u1ea5u hao c\u1ee7a doanh nghi\u1ec7p\u201d.<\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, vi\u1ec7c Ch\u00ednh ph\u1ee7 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh 20 v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 c\u00f4ng b\u1eb1ng c\u1ee7a qu\u1ea3n l\u00fd thu\u1ebf.<\/p>\n

Tuy nhi\u00ean, TS L\u00ea Xu\u00e2n Ngh\u0129a, Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Nghi\u00ean c\u1ee9u Ph\u00e1t tri\u1ec3n Kinh doanh (BDI), cho r\u1eb1ng \u0111i\u1ec1u b\u1ea5t h\u1ee3p l\u00ed c\u1ee7a ngh\u1ecb \u0111\u1ecbnh n\u00e0y l\u00e0 \u00e1p d\u1ee5ng chung cho c\u1ea3 doanh nghi\u1ec7p trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc \u2013 v\u1ed1n c\u00f3 2 chu\u1ea9n m\u1ef1c k\u1ebf to\u00e1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau.<\/p>\n

\u201cC\u00e1c doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i theo chu\u1ea9n k\u1ebf to\u00e1n qu\u1ed1c t\u1ebf (IAS) n\u00ean h\u1ea7u h\u1ebft c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u1ea1i theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 t\u00ednh thu\u1ebf. C\u00e1c doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i c\u0169ng c\u00f3 quy\u1ec1n l\u1ef1a ch\u1ecdn c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u00ednh kh\u1ea5u hao t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c ti\u00eau kinh doanh c\u1ee7a m\u00ecnh; c\u00f3 quy\u1ec1n tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro cho nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n n\u1ed9i b\u1ea3ng\u2026 S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y khi\u1ebfn cho vi\u1ec7c so s\u00e1nh v\u1ec1 doanh thu, t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn, l\u1ee3i nhu\u1eadn tr\u1edf n\u00ean r\u1ea5t ph\u1ee9c t\u1ea1p\u201d, TS Ngh\u0129a ph\u00e2n t\u00edch.<\/p>\n

TS L\u00ea Xu\u00e2n Ngh\u0129a<\/em><\/h4>\n

X\u00e9t v\u1ec1 m\u1ee5c ti\u00eau ch\u1ed1ng chuy\u1ec3n gi\u00e1, theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Hi\u1ec7p h\u1ed9i b\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam (VnREA) vi\u1ec7c gian l\u1eadn thu\u1ebf khi k\u00ea khai gi\u00e1 giao d\u1ecbch li\u00ean k\u1ebft ch\u1ec9 ph\u00e1t sinh khi c\u00f3 s\u1ef1 ch\u00eanh l\u1ec7ch thu\u1ebf su\u1ea5t.<\/p>\n

Giao d\u1ecbch gi\u1eefa hai c\u00f4ng ty trong v\u00e0 ngo\u00e0i Vi\u1ec7t Nam th\u00ec c\u00f3 ch\u00eanh l\u1ec7ch thu\u1ebf su\u1ea5t nh\u01b0ng giao d\u1ecbch gi\u1eefa hai c\u00f4ng ty t\u1ea1i Vi\u1ec7t Nam th\u00ec r\u1ea5t hi\u1ebfm tr\u01b0\u1eddng h\u1ee3p ch\u00eanh l\u1ec7ch nh\u01b0 v\u1eady. Do v\u1eady, vi\u1ec7c x\u1ebfp doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u00e0 ngo\u00e0i n\u01b0\u1edbc chung m\u1ed9t gi\u1ecf ki\u1ec3m so\u00e1t c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 20 l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p.<\/p>\n

N\u00f3i s\u00e1t h\u01a1n v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, b\u00ecnh lu\u1eadn: \u201cKh\u00e1c v\u1edbi c\u00e1c giao d\u1ecbch li\u00ean k\u1ebft \u0111a qu\u1ed1c gia, \u1edf trong m\u1ed1i quan h\u1ec7 giao d\u1ecbch li\u00ean k\u1ebft gi\u1eefa c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u1edbi nhau, th\u00ec v\u1ec1 c\u01a1 b\u1ea3n chi ph\u00ed c\u1ee7a doanh nghi\u1ec7p n\u00e0y s\u1ebd l\u00e0 thu nh\u1eadp c\u1ee7a doanh nghi\u1ec7p kh\u00e1c v\u00e0 t\u1ea5t c\u1ea3 \u0111\u1ec1u n\u1ed9p thu\u1ebf \u1edf Vi\u1ec7t Nam. Do v\u1eady, n\u1ebfu c\u01a1 quan thu\u1ebf b\u1eaft b\u1ebb c\u00e1c doanh nghi\u1ec7p Vi\u1ec7t Nam trong tr\u01b0\u1eddng h\u1ee3p t\u1ed5ng s\u1ed1 thu\u1ebf ph\u1ea3i n\u1ed9p t\u1ea1i Vi\u1ec7t Nam gi\u1eefa c\u00e1c doanh nghi\u1ec7p c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft kh\u00f4ng gi\u1ea3m \u0111i ho\u1eb7c gi\u1ea3m m\u1ed9t c\u00e1ch kh\u00f4ng \u0111\u00e1ng k\u1ec3 l\u00e0 qu\u00e1 m\u00e1y m\u00f3c, kh\u00f4ng c\u1ea7n thi\u1ebft, kh\u00f4ng \u0111\u00fang v\u1edbi tinh th\u1ea7n v\u00e0 m\u1ee5c \u0111\u00edch quy lu\u1eadt c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/em><\/p>\n

Doanh nghi\u1ec7p \u0111\u1ecba \u1ed1c ch\u1ecbu \u0111\u00f2n n\u1eb7ng v\u1edbi quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf l\u00e3i vay<\/strong><\/p>\n

Theo TS L\u00ea Xu\u00e2n Ngh\u0129a, h\u1ea7u h\u1ebft doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111\u1ec1u c\u00f3 v\u1ed1n t\u1ef1 c\u00f3 so v\u1edbi v\u1ed1n vay r\u1ea5t th\u1ea5p, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

D\u1eabn k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t n\u0103m 2017, \u00f4ng Ngh\u0129a cho hay t\u1ef7 l\u1ec7 v\u1ed1n t\u1ef1 c\u00f3 tr\u00ean v\u1ed1n vay c\u1ee7a 500 doanh nghi\u1ec7p tr\u00ean s\u00e0n ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam ch\u1ec9 kho\u1ea3ng 34%. N\u1ebfu t\u00ednh chung cho doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf th\u00ec t\u1ef7 l\u1ec7 n\u00e0y r\u1ea5t th\u1ea5p. T\u1ef7 l\u1ec7 n\u00e0y trong khu v\u1ef1c kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ec9 \u0111\u1ea1t 25%. Nh\u01b0 v\u1eady, chi ph\u00ed t\u00e0i ch\u00ednh t\u1eeb c\u00e1c kho\u1ea3n vay v\u1ed1n r\u1ea5t l\u1edbn.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, l\u00e3i su\u1ea5t cho vay t\u1ea1i Vi\u1ec7t Nam r\u1ea5t cao, th\u01b0\u1eddng g\u1ea5p \u0111\u00f4i, th\u1eadm ch\u00ed g\u1ea5p 2,5 l\u1ea7n c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c v\u00e0 th\u01b0\u1eddng k\u00e9o d\u00e0i r\u1ea5t nhi\u1ec1u n\u0103m c\u0169ng nh\u01b0 c\u00f3 xu h\u01b0\u1edbng t\u0103ng \u1ed5n \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y khi\u1ebfn cho doanh nghi\u1ec7p Vi\u1ec7t Nam ph\u1ee5 thu\u1ed9c ng\u00e0y c\u00e0ng n\u1eb7ng v\u00e0o v\u1ed1n vay v\u00e0 l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng t\u00edch t\u1ee5 t\u00e0i ch\u00ednh h\u1ee3p ph\u00e1p trong su\u1ed1t qu\u00e1 tr\u00ecnh kinh doanh. \u0110\u00e2y c\u0169ng l\u00e0 l\u00ed do gi\u1ea3i th\u00edch v\u00ec sao \u1edf Vi\u1ec7t Nam kh\u00f4ng h\u00ecnh th\u00e0nh \u0111\u01b0\u1ee3c c\u00e1c t\u1eadp \u0111o\u00e0n c\u00f4ng nghi\u1ec7p l\u1edbn nh\u1edd v\u00e0o t\u00edch t\u1ee5 t\u01b0 b\u1ea3n, d\u00f9 cho hi\u1ec7n c\u00f3 m\u1ed9t v\u00e0i t\u1eadp \u0111o\u00e0n \u0111ang c\u1ed1 g\u1eafng \u0111\u1ee9ng v\u1eefng \u1edf m\u1ea3ng ng\u00e2n h\u00e0ng v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Theo TS Ngh\u0129a, kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u00f3i chung \u0111\u1ec1u s\u1eed d\u1ee5ng v\u1ed1n vay trung \u2013 d\u00e0i h\u1ea1n, c\u00f3 l\u00e3i su\u1ea5t cao v\u00e0 c\u00f3 xu h\u01b0\u1edbng t\u0103ng nhanh h\u01a1n l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n do c\u00e1c quy \u0111\u1ecbnh m\u1edbi v\u00e0 ki\u1ec3m so\u00e1t d\u00f9ng v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n. Trong \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p v\u00e0 c\u1ed5 phi\u1ebfu c\u00f2n r\u1ea5t y\u1ebfu th\u00ec chi ph\u00ed t\u00e0i ch\u00ednh s\u1ebd l\u00e0 g\u00e1nh n\u1eb7ng ng\u00e0y c\u00e0ng l\u1edbn cho doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

\u201cTheo t\u00ednh to\u00e1n c\u1ee7a ch\u00fang t\u00f4i, n\u1ebfu l\u00e3i vay d\u00e0i h\u1ea1n b\u00ecnh qu\u00e2n v\u01b0\u1ee3t qu\u00e1 con s\u1ed1 12,5%\/n\u0103m th\u00ec kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n l\u1edbn v\u00e0 gi\u00e1 tr\u1ecb gia t\u0103ng to\u00e0n ng\u00e0nh b\u1ecb suy gi\u1ea3m m\u1ea1nh khi\u1ebfn th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u1ec3 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng ngu\u1ed9i l\u1ea1nh d\u1ea7n d\u1ea7n\u201d, TS Ngh\u0129a cho hay.<\/p>\n

Ph\u00e2n t\u00edch v\u1ec1 c\u00f4ng th\u1ee9c: t\u1ed5ng chi ph\u00ed l\u00e3i vay ph\u00e1t sinh trong k\u00ec \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ed5ng l\u1ee3i nhu\u1eadn thu\u1ea7n t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh + chi ph\u00ed l\u00e3i vay + chi ph\u00ed kh\u1ea5u hao, c\u00f3 th\u1ec3 th\u1ea5y l\u1ee3i nhu\u1eadn thu\u1ea7n gi\u1ea3m khi gi\u00e1 th\u00e0nh t\u0103ng, m\u00e0 gi\u00e1 th\u00e0nh l\u1ea1i \u0111\u00e3 bao g\u1ed3m chi ph\u00ed l\u00e3i vay.<\/p>\n

N\u00f3i c\u00e1ch kh\u00e1c, l\u1ee3i nhu\u1eadn thu\u1ea7n gi\u1ea3m khi chi ph\u00ed l\u00e3i vay t\u0103ng. Do \u0111\u00f3, c\u00f4ng th\u1ee9c n\u00e0y x\u00e9t v\u1ec1 m\u1eb7t logic to\u00e1n h\u1ecdc c\u00f3 v\u1ebb kh\u00f4ng \u1ed5n v\u00ec \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 quan h\u1ec7 \u0111\u1ed3ng thu\u1eadn.<\/p>\n

\u201cCh\u00fang t\u00f4i \u0111\u00e3 \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c n\u00e0y \u0111\u1ec3 t\u00ednh to\u00e1n th\u1eed cho m\u1ed9t s\u1ed1 c\u00f4ng ty c\u00f4ng nghi\u1ec7p v\u00e0 c\u00f4ng ty b\u1ea5t \u0111\u1ed9ng s\u1ea3n. K\u1ebft qu\u1ea3 cho th\u1ea5y v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n (ng\u1eafn h\u1ea1n 7 -9%\/n\u0103m, d\u00e0i h\u1ea1n 9 \u2013 12%\/n\u0103m) th\u00ec doanh nghi\u1ec7p ph\u1ea3i c\u00f3 v\u1ed1n t\u1ef1 c\u00f3 g\u1ea5p 3 \u2013 4 l\u1ea7n v\u1ed1n vay m\u1edbi c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ecbu \u0111\u1ef1ng \u0111\u01b0\u1ee3c v\u1edbi m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n nh\u01b0 d\u1ef1 \u00e1n kh\u00f4ng k\u00e9o d\u00e0i, c\u00f3 v\u1ed1n g\u00f3p tr\u01b0\u1edbc m\u1ed9t ph\u1ea7n t\u1eeb ng\u01b0\u1eddi mua v\u00e0 gi\u00e1 \u0111\u1ea5t kh\u1edfi \u0111\u1ea7u th\u1ea5p, v\u1ed1n t\u1ef1 c\u00f3 ph\u1ea3i l\u00e0 th\u1eadt v\u00e0 gi\u00e1 ti\u00eau th\u1ee5 ph\u1ea3i \u1ed5n \u0111\u1ecbnh, ngh\u0129a l\u00e0 kh\u00f4ng g\u1eb7p ph\u1ea3i r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng v\u00e0 ph\u00e1p l\u00ed. Trong khi \u0111\u00f3, \u0111\u00e2y l\u1ea1i \u0111\u1ec1u l\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 c\u00f2n t\u1ed3n t\u1ea1i kh\u00e1 l\u1edbn t\u1ea1i Vi\u1ec7t Nam\u201d, TS Ngh\u0129a ph\u00e2n t\u00edch.<\/p>\n

TS Ngh\u0129a cho r\u1eb1ng v\u1edbi c\u00e1c \u0111i\u1ec3m ch\u01b0a th\u1ecfa \u0111\u00e1ng nh\u01b0 v\u1eady, B\u1ed9 T\u00e0i ch\u00ednh n\u00ean xem x\u00e9t l\u1ea1i v\u00e0 c\u00f3 l\u1ed9 tr\u00ecnh th\u00edch h\u1ee3p \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc trong b\u1ed1i c\u1ea3nh c\u1ea1nh tranh kh\u1ed1c li\u1ec7t nh\u01b0 hi\u1ec7n nay.<\/p>\n

T\u00e0o Minh<\/strong><\/p>\n

————–<\/strong><\/p>\n

Vietnam<\/em><\/strong> Finance (Ng\u00e2n h\u00e0ng) 02-02-2019:<\/em><\/strong><\/p>\n

https:\/\/vietnamfinance.vn\/khong-che-chi-phi-lai-vay-khong-phai-ho-co-can-troi-chat-20180504224219414.htm<\/a><\/em><\/p>\n

(138\/1.327)<\/em>","protected":false},"excerpt":{"rendered":"

(VNF) \u2013 Quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m ch\u1ed1ng gian l\u1eadn thu\u1ebf khi k\u00ea khai gi\u00e1 giao d\u1ecbch li\u00ean k\u1ebft. Tuy nhi\u00ean ch\u1ec9 c\u00f3 h\u1ed5 m\u1edbi ph\u1ea3i tr\u00f3i ch\u1eb7t, c\u00f2n doanh nghi\u1ec7p trong n\u01b0\u1edbc \u0111a ph\u1ea7n ch\u1ec9 l\u00e0 m\u00e8o con. Vi\u1ec7c […]<\/p>\n","protected":false},"author":2,"featured_media":24013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.130. 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Kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay: Kh\u00f4ng ph\u1ea3i h\u1ed5, c\u00f3 c\u1ea7n tr\u00f3i ch\u1eb7t?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VNF) \u2013 Quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m ch\u1ed1ng gian l\u1eadn thu\u1ebf khi k\u00ea khai gi\u00e1 giao d\u1ecbch li\u00ean k\u1ebft. Tuy nhi\u00ean ch\u1ec9 c\u00f3 h\u1ed5 m\u1edbi ph\u1ea3i tr\u00f3i ch\u1eb7t, c\u00f2n doanh nghi\u1ec7p trong n\u01b0\u1edbc \u0111a ph\u1ea7n ch\u1ec9 l\u00e0 m\u00e8o con. 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Kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay: Kh\u00f4ng ph\u1ea3i h\u1ed5, c\u00f3 c\u1ea7n tr\u00f3i ch\u1eb7t?[:] - ANVI Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/2-130-khong-che-chi-phi-lai-vay-khong-phai-ho-co-can-troi-chat\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]2.130. Kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay: Kh\u00f4ng ph\u1ea3i h\u1ed5, c\u00f3 c\u1ea7n tr\u00f3i ch\u1eb7t?[:] - ANVI Law Firm","og_description":"(VNF) \u2013 Quy \u0111\u1ecbnh kh\u1ed1ng ch\u1ebf chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m ch\u1ed1ng gian l\u1eadn thu\u1ebf khi k\u00ea khai gi\u00e1 giao d\u1ecbch li\u00ean k\u1ebft. 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