{"id":24228,"date":"2019-02-14T17:13:28","date_gmt":"2019-02-14T10:13:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24228"},"modified":"2022-05-31T17:15:16","modified_gmt":"2022-05-31T10:15:16","slug":"2-142-horea-lo-ngai-ap-tran-lai-vay-doi-voi-dn-bat-dong-san","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-142-horea-lo-ngai-ap-tran-lai-vay-doi-voi-dn-bat-dong-san\/","title":{"rendered":"2.142. HoREA lo ng\u1ea1i \u00e1p tr\u1ea7n l\u00e3i vay \u0111\u1ed1i v\u1edbi DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n"},"content":{"rendered":"(TP) – Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TPHCM (HoREA) cho r\u1eb1ng, c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n r\u1ea5t c\u1ea7n ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, tuy nhi\u00ean, quy \u0111\u1ecbnh v\u1ec1 \u00e1p tr\u1ea7n t\u1ed5ng chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% theo Ngh\u1ecb \u0111\u1ecbnh 20\/2017\/N\u0110-CP khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n n\u00e0y.<\/strong><\/p>\n

M\u1edbi \u0111\u00e2y, HoREA c\u00f3 v\u0103n b\u1ea3n g\u1eedi Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh v\u1ec1 vi\u1ec7c “c\u1ea7n thi\u1ebft quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n t\u1ed5ng chi ph\u00ed l\u00e3i vay \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p”.<\/p>\n

T\u1ea1i v\u0103n b\u1ea3n tr\u00ean, \u00f4ng L\u00ea Ho\u00e0ng Ch\u00e2u, Ch\u1ee7 t\u1ecbch HoREA cho r\u1eb1ng, hi\u1ec7p h\u1ed9i kh\u00f4ng t\u00e1n th\u00e0nh v\u1edbi quy \u0111\u1ecbnh tr\u1ea7n\u00a0chi ph\u00ed l\u00e3i vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\u00a0<\/a>t\u1ea1i Kho\u1ea3n 3 \u0110i\u1ec1u 8 Ngh\u1ecb \u0111\u1ecbnh 20\/2017\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd thu\u1ebf \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p c\u00f3 giao d\u1ecbch li\u00ean k\u1ebft c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/5\/2017.<\/p>\n

Theo \u00f4ng Ch\u00e2u, t\u1ea1i 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\u1ef3 c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf \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% c\u1ee7a t\u1ed5ng l\u1ee3i nhu\u1eadn thu\u1ea7n t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ed9ng v\u1edbi chi ph\u00ed l\u00e3i vay, chi ph\u00ed kh\u1ea5u hao trong k\u1ef3 c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf\u201d nh\u1eb1m m\u1ee5c \u0111\u00edch l\u00e0m t\u0103ng t\u00ednh minh b\u1ea1ch c\u1ee7a c\u00e1c giao d\u1ecbch li\u00ean k\u1ebft, khuy\u1ebfn kh\u00edch doanh nghi\u1ec7p khai th\u00e1c nhi\u1ec1u ngu\u1ed3n v\u1ed1n kh\u00e1c ngo\u00e0i ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, n\u00e2ng cao hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng v\u1ed1n.<\/p>\n

Quy \u0111\u1ecbnh n\u00e0y c\u0169ng c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u1ea3 doanh nghi\u1ec7p trong n\u01b0\u1edbc, k\u1ec3 c\u1ea3 doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh “m\u1eb9 – con”, \u0111a ng\u00e0nh, c\u00f3 nhi\u1ec1u doanh nghi\u1ec7p li\u00ean k\u1ebft.<\/p>\n

\"\"<\/p>\n

HoREA cho r\u1eb1ng hi\u1ec7n c\u00e1c doanh nghi\u1ec7p B\u0110S kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng h\u01a1n tr\u01b0\u1edbc.<\/em><\/p>\n

\u00d4ng Ch\u00e2u ph\u00e2n t\u00edch, hi\u1ec7n nay, c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111ang d\u1ef1a v\u00e0o hai ngu\u1ed3n v\u1ed1n ch\u00ednh l\u00e0 ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng v\u00e0 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng t\u1eeb kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady, doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S) r\u1ea5t c\u1ea7n ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n cho \u0111\u1ebfn khi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n huy \u0111\u1ed9ng v\u1ed1n t\u1eeb kh\u00e1ch h\u00e0ng. Nh\u01b0ng n\u1ebfu ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh c\u00e0ng l\u1edbn th\u00ec \u0111\u1ed9 r\u1ee7i ro cho doanh nghi\u1ec7p c\u00e0ng cao v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ‘bong b\u00f3ng’ tr\u00ean th\u1ecb tr\u01b0\u1eddng B\u0110S.<\/p>\n

Ngo\u00e0i ra, Ch\u1ee7 t\u1ecbch HoREA cho hay, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang th\u1ef1c hi\u1ec7n l\u1ed9 tr\u00ecnh ki\u1ec3m so\u00e1t t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c l\u0129nh v\u1ef1c ti\u1ec1m \u1ea9n r\u1ee7i ro nh\u01b0 B\u0110S, ch\u1ee9ng kho\u00e1n theo Th\u00f4ng t\u01b0\u00a036\/2014\/TT-NHNN, Th\u00f4ng t\u01b0 16\/2018\/TT-NHNN v\u00e0 Ch\u1ec9 th\u1ecb 01\/CT-NHNN ng\u00e0y 08\/01\/2019.<\/p>\n

Theo \u0111\u00f3, K\u1ec3 t\u1eeb ng\u00e0y 1\/1\/2019, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1ed1i \u0111a 40% ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng ng\u1eafn h\u1ea1n \u0111\u1ec3 cho vay trung h\u1ea1n, d\u00e0i h\u1ea1n; v\u00e0 d\u1ef1 b\u00e1o Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f2n c\u00f3 th\u1ec3 gi\u1ea3m tr\u1ea7n n\u00e0y xu\u1ed1ng 35%, th\u1eadm ch\u00ed 30% v\u00e0 c\u0169ng c\u00f3 th\u1ec3 n\u00e2ng h\u1ec7 s\u1ed1 r\u1ee7i ro trong c\u00e1c kho\u1ea3n n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00ean \u0111\u1ebfn 250% ho\u1eb7c cao h\u01a1n (Hi\u1ec7n nay, h\u1ec7 s\u1ed1 r\u1ee7i ro n\u00e0y l\u00e0 200%).<\/p>\n

T\u1eeb nh\u1eefng d\u1eabn ch\u1ee9ng tr\u00ean, \u00f4ng Ch\u00e2u nh\u00ecn nh\u1eadn, kh\u1ea3 n\u0103ng doanh nghi\u1ec7p B\u0110S s\u1ebd ng\u00e0y c\u00e0ng kh\u00f3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng h\u01a1n tr\u01b0\u1edbc.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u1eeba ban h\u00e0nh v\u0103n b\u1ea3n xin \u00fd ki\u1ebfn s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 36\/2014 quy \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n, t\u1ef7 l\u1ec7 \u0111\u1ea3m b\u1ea3o an to\u00e0n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Ch\u1ee7 t\u1ecbch HoREA c\u0169ng cho r\u1eb1ng, quy \u0111\u1ecbnh v\u1ec1 \u00e1p tr\u1ea7n t\u1ed5ng chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% t\u1ea1i Kho\u1ea3n 3 \u0110i\u1ec1u 8 Ngh\u1ecb \u0111\u1ecbnh 20 \u0111\u00e3 c\u00f3 m\u00e2u thu\u1eabn v\u1edbi Kho\u1ea3n 2 \u0110i\u1ec1u 14 Ngh\u1ecb \u0111\u1ecbnh 43\/2014\/N\u0110-CP.<\/p>\n

Kho\u1ea3n 2 \u0110i\u1ec1u 14 Ngh\u1ecb \u0111\u1ecbnh 43\/2014\/N\u0110-CP ng\u00e0y 15\/05\/2014 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh: \u201c\u0110i\u1ec1u ki\u1ec7n v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m vi\u1ec7c s\u1eed d\u1ee5ng \u0111\u1ea5t theo ti\u1ebfn \u0111\u1ed9 c\u1ee7a d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau: a) C\u00f3 v\u1ed1n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n kh\u00f4ng th\u1ea5p h\u01a1n 20% t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi d\u1ef1 \u00e1n c\u00f3 quy m\u00f4 s\u1eed d\u1ee5ng \u0111\u1ea5t d\u01b0\u1edbi 20 h\u00e9c ta; kh\u00f4ng th\u1ea5p h\u01a1n 15% t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0 \u0111\u1ed1i v\u1edbi d\u1ef1 \u00e1n c\u00f3 quy m\u00f4 s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1eeb 20 h\u00e9c ta tr\u1edf l\u00ean; b) C\u00f3 kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n kh\u00e1c\u201d.<\/p>\n

“Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 80 – 85% ngu\u1ed3n v\u1ed1n \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n c\u00f2n l\u1ea1i th\u00ec doanh nghi\u1ec7p \u0111\u1ec1u ph\u1ea3i vay t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, b\u1edfi l\u1ebd doanh nghi\u1ec7p c\u00f2n c\u00f3 th\u1ec3 khai th\u00e1c c\u00e1c ngu\u1ed3n v\u1ed1n kh\u00e1c theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 69 Lu\u1eadt Nh\u00e0 \u1edf”, Ch\u1ee7 t\u1ecbch HoREA l\u00fd gi\u1ea3i.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u00e1p tr\u1ea7n l\u00e3i vay theo Ngh\u1ecb \u0111\u1ecbnh 20, gi\u1edbi chuy\u00ean m\u00f4n \u0111\u00e3 kh\u00f4ng \u00edt l\u1ea7n b\u00e0n v\u1ec1 nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh n\u00e0y khi \u00e1p d\u1ee5ng v\u00e0o th\u1ef1c ti\u1ec5n.<\/p>\n

T\u1ea1i h\u1ed9i th\u1ea3o di\u1ec5n ra m\u1edbi \u0111\u00e2y, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam cho r\u1eb1ng, quy \u0111\u1ecbnh t\u1ed5ng chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% c\u1ee7a t\u1ed5ng l\u1ee3i nhu\u1eadn thu\u1ea7n… kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ed9t s\u1ed1 doanh nghi\u1ec7p, ch\u01b0a t\u00ednh \u0111\u1ebfn y\u1ebfu t\u1ed1 c\u00f3 hay kh\u00f4ng c\u00f3 \u201cgiao d\u1ecbch li\u00ean k\u1ebft\u201d.<\/p>\n

V\u00ec nh\u00ecn chung, doanh nghi\u1ec7p Vi\u1ec7t Nam r\u1ea5t thi\u1ebfu v\u1ed1n, n\u00ean ph\u1ea3i \u0111i vay l\u00e0 ch\u1ee7 y\u1ebfu; trong khi n\u0103ng l\u1ef1c h\u1ea1n ch\u1ebf, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u00edt, kh\u00f4ng \u0111\u1ee7 s\u1ef1 t\u00edn nhi\u1ec7m \u0111\u1ec3 vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, n\u00ean ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao c\u1ee7a m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u00f4ng ty m\u1eb9, c\u00f4ng ty li\u00ean k\u1ebft, cho \u0111\u1ebfn ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 c\u00e1c nh\u00e2n, doanh nghi\u1ec7p kh\u00e1c.<\/p>\n

“Do \u0111\u00f3, n\u1ebfu t\u1ed5ng chi ph\u00ed l\u00e3i vay tr\u00ean 20%, th\u1eadm ch\u00ed 50% m\u00e0 l\u00e0 chi ph\u00ed th\u1eadt, h\u1ee3p l\u00fd, h\u1ee3p l\u1ec7 th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn”, LS. Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

NINH PHAN<\/strong><\/p>\n

———————————————<\/p>\n

Ti\u1ec1n phong (\u0110\u1ecba \u1ed1c) 14-02-2019:<\/em><\/strong><\/p>\n

https:\/\/www.tienphong.vn\/dia-oc\/horea-lo-ngai-ap-tran-lai-vay-doi-voi-dn-bat-dong-san-1377488.tpo<\/em><\/a><\/p>\n

(170\/1.069)<\/em>","protected":false},"excerpt":{"rendered":"

(TP) – Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TPHCM (HoREA) cho r\u1eb1ng, c\u00e1c doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n r\u1ea5t c\u1ea7n ngu\u1ed3n v\u1ed1n t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng, tuy nhi\u00ean, quy \u0111\u1ecbnh v\u1ec1 \u00e1p tr\u1ea7n t\u1ed5ng chi ph\u00ed l\u00e3i vay kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20% theo Ngh\u1ecb \u0111\u1ecbnh 20\/2017\/N\u0110-CP khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f3 ti\u1ebfp […]<\/p>\n","protected":false},"author":1,"featured_media":24229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-24228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.142. HoREA lo ng\u1ea1i \u00e1p tr\u1ea7n l\u00e3i vay \u0111\u1ed1i v\u1edbi DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n - 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\/2-142-horea-lo-ngai-ap-tran-lai-vay-doi-voi-dn-bat-dong-san\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]2.142. 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