{"id":26819,"date":"2017-07-18T16:52:47","date_gmt":"2017-07-18T09:52:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26819"},"modified":"2022-06-16T15:12:05","modified_gmt":"2022-06-16T08:12:05","slug":"1-436-minh-bach-lai-suat-cho-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/","title":{"rendered":"1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110BND) – Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng kh\u00f4ng ch\u1ec9 l\u00e0m t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng c\u1ee7a nh\u1eefng nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, gi\u00fap k\u00edch c\u1ea7u ti\u00eau d\u00f9ng m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m nguy c\u01a1 v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Song, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i nh\u01b0 hi\u1ec7n nay, kh\u00f4ng \u00edt chuy\u00ean gia cho r\u1eb1ng, c\u1ea7n c\u00f3 quy \u0111\u1ecbnh qu\u1ea3n l\u00fd ch\u1eb7t \u0111\u1ec3 ng\u01b0\u1eddi vay kh\u00f4ng ch\u1ecbu thi\u1ec7t.<\/strong><\/p>\n

C\u00f3 \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t?<\/strong><\/p>\n

\u0110\u1ec3 minh b\u1ea1ch th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 39\/2016 v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay, bao g\u1ed3m c\u1ea3 cho vay ti\u00eau d\u00f9ng v\u00e0 Th\u00f4ng t\u01b0 43\/2016 \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y khi\u1ebfn cho th\u1ecb tr\u01b0\u1eddng cho vay ti\u00eau d\u00f9ng c\u1ea1nh tranh h\u01a1n, s\u00f4i \u0111\u1ed9ng h\u01a1n, g\u00f3p ph\u1ea7n gi\u1ea3m m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay. Tuy nhi\u00ean, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t v\u1eabn \u0111ang cao g\u1ea5p 3 l\u1ea7n so v\u1edbi l\u00e3i vay c\u1ee7a ng\u00e2n h\u00e0ng c\u00f9ng k\u1ef3 h\u1ea1n, th\u1eadm ch\u00ed c\u00f3 n\u01a1i c\u00f2n cao h\u01a1n t\u1edbi 50 – 70%.<\/p>\n

Theo Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n T\u00fa Anh, l\u00e3i su\u1ea5t cao d\u1ec5 d\u1eabn t\u1edbi nguy c\u01a1 v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh. Th\u1ef1c t\u1ebf c\u00f3 nh\u1eefng n\u01b0\u1edbc l\u00e2m v\u00e0o t\u00ecnh tr\u1ea1ng kh\u1ee7ng ho\u1ea3ng do ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u201cth\u1ea5y\u201d \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a m\u00ecnh t\u1edbi \u0111\u00e2u trong khi vi\u1ec7c cho vay l\u1ea1i qu\u00e1 d\u1ec5 d\u00e0ng (nhi\u1ec1u c\u00f4ng ty mu\u1ed1n d\u00e0nh th\u1ecb ph\u1ea7n n\u00ean \u0111\u00e1nh \u0111\u1ed5i c\u1ea3 s\u1ef1 an to\u00e0n). V\u1eady, c\u00f3 c\u1ea7n \u0111\u01b0a ra tr\u1ea7n l\u00e3i su\u1ea5t hay kh\u00f4ng? N\u1ebfu \u0111\u1eb7t tr\u1ea7n l\u00e3i su\u1ea5t c\u00f3 m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay kh\u00f4ng?<\/p>\n

Theo TS C\u1ea5n V\u0103n L\u1ef1c, kh\u00f4ng n\u00ean \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng. Vi\u1ec7c kh\u00f4ng kh\u1ed1ng ch\u1ebf l\u00e3i su\u1ea5t nh\u01b0 hi\u1ec7n nay l\u00e0 \u201cth\u00e0nh c\u00f4ng l\u1edbn v\u1ec1 t\u01b0 t\u01b0\u1edfng\u201d, th\u00e1o g\u1ee1 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u0169ng nh\u01b0 c\u00f4ng ty t\u00e0i ch\u00ednh trong cho vay ti\u00eau d\u00f9ng.<\/p>\n

M\u1eb7c d\u00f9 c\u0169ng \u0111\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m kh\u00f4ng \u00e1p tr\u1ea7n l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng nh\u01b0ng lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, C\u00f4ng ty Lu\u1eadt ANVI<\/span> l\u1ea1i ch\u1ec9 ra m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay v\u1eabn c\u00f2n nhi\u1ec1u tranh c\u00e3i xung quanh v\u1ea5n \u0111\u1ec1 n\u00e0y. \u0110\u1eb7c bi\u1ec7t, khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay kh\u00f4ng qu\u00e1 20% (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c) d\u1eabn t\u1edbi tr\u01b0\u1eddng h\u1ee3p t\u00f2a \u00e1n ph\u1ea3i g\u1eedi c\u00f4ng v\u0103n cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 ng\u00e2n h\u00e0ng \u201ch\u1ecfi\u201d quan \u0111i\u1ec3m v\u1ec1 l\u00e3i su\u1ea5t. Hi\u1ec7n nay, theo gi\u1ea3i th\u00edch c\u1ee7a t\u00f2a \u00e1n, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng tr\u01b0\u1edbc n\u0103m 2017 \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng v\u01b0\u1ee3t tr\u1ea7n l\u00e3i su\u1ea5t, t\u1ee9c l\u00e0 cao h\u01a1n l\u00e3i vay c\u1ee7a ng\u00e2n h\u00e0ng 50 – 70% c\u0169ng h\u1ee3p ph\u00e1p. Tuy nhi\u00ean, t\u00f2a \u00e1n l\u1ea1i ch\u1ec9 h\u01b0\u1edbng d\u1eabn \u201ct\u1edbi\u201d B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169, c\u00f2n quy \u0111\u1ecbnh m\u1edbi th\u00ec v\u1eabn ch\u01b0a \u201cch\u1ed1t\u201d quan \u0111i\u1ec3m. Do v\u1eady, c\u00e2u chuy\u1ec7n l\u00e3i su\u1ea5t v\u1eabn l\u1eedng l\u01a1, kh\u00f4ng bi\u1ebft \u0111\u00fang hay sai\u201d – lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n\n\n\n\n
T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng gi\u00fap gi\u1ea3m thi\u1ec3u nguy c\u01a1 v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d\u00a0\u00a0<\/em><\/td>\n<\/tr>\n
\"\"Ngu\u1ed3n: ITN<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Minh b\u1ea1ch ph\u01b0\u01a1ng ph\u00e1p thu h\u1ed3i l\u00e3i<\/strong><\/p>\n\n\n\n
Theo b\u00e1o c\u00e1o n\u0103m 2016 v\u1ec1 t\u1ed5ng quan to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam do StoxPlus th\u1ef1c hi\u1ec7n, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nhi\u1ec1u \u201cc\u00fa nh\u1ea3y v\u1ecdt\u201d \u0111\u00e1ng kinh ng\u1ea1c trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. C\u1ee5 th\u1ec3, t\u1ed5ng d\u01b0 n\u1ee3\/GDP c\u1ee7a to\u00e0n ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng Vi\u1ec7t Nam n\u0103m 2012 \u0111\u1ea1t 7,3 t\u1ef7 USD th\u00ec \u0111\u1ebfn n\u0103m 2016 \u0111\u00e3 ch\u1ea1m ng\u01b0\u1ee1ng 26,55 t\u1ef7 USD.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

M\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng nh\u01b0ng theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a nhi\u1ec1u chuy\u00ean gia, nh\u1eefng quy \u0111\u1ecbnh n\u00e0y th\u01b0\u1eddng nghi\u00eang v\u1ec1 b\u1ea3o v\u1ec7 b\u00ean cho vay. Trong khi, nh\u1eadn th\u1ee9c c\u1ee7a ng\u01b0\u1eddi \u0111i vay v\u1ec1 kh\u00e1i ni\u1ec7m ph\u00e1p lu\u1eadt, t\u00e0i ch\u00ednh nhi\u1ec1u khi ch\u01b0a r\u00f5 r\u00e0ng, h\u1ee3p \u0111\u1ed3ng cho vay ti\u00eau d\u00f9ng c\u0169ng ph\u1ee9c t\u1ea1p, ngay c\u1ea3 nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111\u00e0o t\u1ea1o, \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng c\u0169ng kh\u00f4ng th\u1ec3 l\u01b0\u1ee3ng h\u00f3a \u0111\u01b0\u1ee3c r\u1ee7i ro. Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m ti\u1ebfp th\u1ecb FE Credit \u0110\u1eb7ng Thanh H\u00f9ng kh\u1eb3ng \u0111\u1ecbnh, m\u1ee9c \u0111\u1ed9 hi\u1ec3u bi\u1ebft v\u1ec1 cho vay ti\u00eau d\u00f9ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u00f2n th\u1ea5p, th\u1eadm ch\u00ed kh\u00f4ng hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t cho vay ti\u00eau d\u00f9ng hay cho vay t\u00edn ch\u1ea5p th\u00f4ng qua c\u00f4ng ty t\u00e0i ch\u00ednh nh\u01b0 th\u1ebf n\u00e0o. Ngo\u00e0i ra, kh\u00e1i ni\u1ec7m c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng kh\u00e1 m\u01a1 h\u1ed3, khi\u1ebfn ng\u01b0\u1eddi d\u00e2n \u00edt t\u00ecm t\u1edbi d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng ch\u00ednh th\u1ed1ng n\u00e0y.<\/p>\n

M\u1eb7t kh\u00e1c, do vay ti\u00eau d\u00f9ng th\u01b0\u1eddng nh\u1ecf l\u1ebb v\u00e0 ng\u1eafn h\u1ea1n n\u00ean kh\u00e1ch h\u00e0ng \u00edt quan t\u00e2m \u0111\u1ebfn l\u00e3i su\u1ea5t ghi trong h\u1ee3p \u0111\u1ed3ng, m\u00e0 ch\u1ee7 y\u1ebfu quan t\u00e2m \u0111\u1ebfn kho\u1ea3n ti\u1ec1n c\u1ee5 th\u1ec3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng. N\u1ebfu c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh cho t\u1eebng kho\u1ea3n vay theo tu\u1ea7n, th\u00e1ng nh\u01b0ng kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 s\u1ebd t\u1ea1o c\u1ea3m gi\u00e1c l\u00e3i su\u1ea5t th\u1ea5p, trong khi th\u1ef1c ch\u1ea5t r\u1ea5t cao. Ph\u00f3 Vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Ph\u1ea1m Xu\u00e2n H\u00f2e cho bi\u1ebft, ph\u01b0\u01a1ng ph\u00e1p thu h\u1ed3i l\u00e3i quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 c\u1ee7a ng\u01b0\u1eddi vay l\u00e0 bao nhi\u00eau. V\u00ed d\u1ee5, n\u1ebfu h\u1ee3p \u0111\u1ed3ng cho vay quy \u0111\u1ecbnh l\u00e3i su\u1ea5t \u0111\u01a1n th\u00ec ng\u01b0\u1eddi vay ti\u00eau d\u00f9ng c\u00f3 l\u1ee3i h\u01a1n, t\u1ee9c l\u00e0 vay 100 tri\u1ec7u, l\u00e3i su\u1ea5t 12%, n\u1ebfu tr\u1ea3 l\u00e0m 2 k\u1ef3 th\u00ec l\u00e3i su\u1ea5t th\u1ef1c ch\u1ea5t ch\u1ec9 l\u00e0 9%. V\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i su\u1ea5t kh\u00e1c nhau nh\u01b0 b\u00f9 tr\u1eeb, chi\u1ebft kh\u1ea5u, l\u00e3i g\u1ed9p \u0111\u00e3 \u0111\u1eb7t ra th\u00e1ch th\u1ee9c cho ng\u01b0\u1eddi \u0111i vay trong vi\u1ec7c ph\u1ea3i nh\u1eadn bi\u1ebft r\u00f5 b\u00ean cho vay \u0111ang \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p t\u00ednh l\u00e3i su\u1ea5t nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

C\u00e1c chuy\u00ean gia d\u1eabn ch\u1ee9ng tr\u01b0\u1eddng h\u1ee3p b\u00ean cho vay \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c cho vay t\u00ednh l\u00e3i c\u1ed1 \u0111\u1ecbnh tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u, n\u1ebfu b\u00ean vay kh\u00f4ng nh\u1eadn th\u1ee9c \u0111\u1ea7y \u0111\u1ee7 th\u00ec r\u1ea5t d\u1ec5 d\u1eabn t\u1edbi r\u1ee7i ro. \u0110\u01a1n c\u1eed nh\u01b0 vay 10 tri\u1ec7u \u0111\u1ed3ng trong m\u1ed9t n\u0103m v\u1edbi l\u00e3i su\u1ea5t 5%\/th\u00e1ng, nh\u01b0ng khi s\u1ed1 n\u1ee3 g\u1ed1c ch\u1ec9 c\u00f2n 1 tri\u1ec7u \u0111\u1ed3ng v\u1eabn ph\u1ea3i tr\u1ea3 l\u00e3i 500 ngh\u00ecn \u0111\u1ed3ng\/th\u00e1ng, t\u1ee9c l\u00ean \u0111\u1ebfn 50%\/th\u00e1ng. \u0110i\u1ec1u n\u00e0y kh\u00e1c xa so v\u1edbi tr\u1ea3 l\u00e3i theo s\u1ed1 d\u01b0 th\u1ef1c t\u1ebf, khi d\u01b0 n\u1ee3 ch\u1ec9 c\u00f2n 1 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u1ec9 ph\u1ea3i tr\u1ea3 50 ngh\u00ecn \u0111\u1ed3ng, t\u1ee9c v\u1eabn l\u00e0 5%\/th\u00e1ng.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c khuy\u1ebfn ngh\u1ecb, \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng ph\u1ea3i c\u00f3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd, r\u00f5 r\u00e0ng v\u1ec1 h\u1ee3p \u0111\u1ed3ng cho vay; c\u00f3 c\u00f4ng c\u1ee5, bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m n\u1ed9i dung, c\u00e2u ch\u1eef trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 sau khi Ngh\u1ecb quy\u1ebft 35 n\u0103m 2017 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u00e3 y\u00eau c\u1ea7u b\u00e3i b\u1ecf vi\u1ec7c \u0111\u0103ng k\u00fd m\u1eabu h\u1ee3p \u0111\u1ed3ng ti\u00eau d\u00f9ng v\u1edbi B\u1ed9 C\u00f4ng th\u01b0\u01a1ng.<\/em><\/p>\n

Th\u1ea3o M\u1ed9c<\/strong><\/p>\n

—————————————–<\/p>\n

\u0110\u1ea1i bi\u1ec3u Nh\u00e2n d\u00e2n 18-7-2017:<\/em><\/strong><\/p>\n

http:\/\/www.daibieunhandan.vn\/ONA_BDT\/NewsPrint.aspx?newsId=393020<\/a><\/em><\/p>\n

(267\/1.193)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110BND) – Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng kh\u00f4ng ch\u1ec9 l\u00e0m t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng c\u1ee7a nh\u1eefng nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, gi\u00fap k\u00edch c\u1ea7u ti\u00eau d\u00f9ng m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m nguy c\u01a1 v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Song, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i nh\u01b0 hi\u1ec7n […]<\/p>\n","protected":false},"author":1,"featured_media":26820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng - 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\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110BND) – Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng kh\u00f4ng ch\u1ec9 l\u00e0m t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng c\u1ee7a nh\u1eefng nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, gi\u00fap k\u00edch c\u1ea7u ti\u00eau d\u00f9ng m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m nguy c\u01a1 v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Song, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i nh\u01b0 hi\u1ec7n […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2017-07-18T09:52:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-16T08:12:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"489\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng\",\"datePublished\":\"2017-07-18T09:52:47+00:00\",\"dateModified\":\"2022-06-16T08:12:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/\"},\"wordCount\":1865,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/7-4.jpg\",\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/\",\"name\":\"[:vi]1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/7-4.jpg\",\"datePublished\":\"2017-07-18T09:52:47+00:00\",\"dateModified\":\"2022-06-16T08:12:05+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/7-4.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/7-4.jpg\",\"width\":489,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/administrator\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng[:] - 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\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm","og_description":"(\u0110BND) – Ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng kh\u00f4ng ch\u1ec9 l\u00e0m t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng c\u1ee7a nh\u1eefng nh\u00f3m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi chu\u1ea9n vay ng\u00e2n h\u00e0ng, gi\u00fap k\u00edch c\u1ea7u ti\u00eau d\u00f9ng m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n gi\u1ea3m nguy c\u01a1 v\u1ec1 \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Song, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i nh\u01b0 hi\u1ec7n […]","og_url":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2017-07-18T09:52:47+00:00","article_modified_time":"2022-06-16T08:12:05+00:00","og_image":[{"width":489,"height":300,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg","type":"image\/jpeg"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng","datePublished":"2017-07-18T09:52:47+00:00","dateModified":"2022-06-16T08:12:05+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/"},"wordCount":1865,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg","articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/","url":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/","name":"[:vi]1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg","datePublished":"2017-07-18T09:52:47+00:00","dateModified":"2022-06-16T08:12:05+00:00","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/7-4.jpg","width":489,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/1-436-minh-bach-lai-suat-cho-vay-tieu-dung\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"1.436. Minh b\u1ea1ch l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b","name":"administrator","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/anvilaw.com\/vi\/author\/administrator\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/26819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=26819"}],"version-history":[{"count":0,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/26819\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/26820"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=26819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=26819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=26819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}