{"id":26847,"date":"2017-07-30T17:08:01","date_gmt":"2017-07-30T10:08:01","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26847"},"modified":"2022-06-14T17:10:12","modified_gmt":"2022-06-14T10:10:12","slug":"1-442-tim-hieu-ky-truoc-khi-vay-tin-dung-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-442-tim-hieu-ky-truoc-khi-vay-tin-dung-tieu-dung\/","title":{"rendered":"1.442. T\u00ecm hi\u1ec3u k\u1ef9 tr\u01b0\u1edbc khi vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng"},"content":{"rendered":"(SGTT) – T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i v\u1ea5n n\u1ea1n t\u00edn d\u1ee5ng \u0111en v\u00e0 b\u1ea5t \u1ed5n x\u00e3 h\u1ed9i. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, hi\u1ec7n nay s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u00edt, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cao, ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u1ebfu kh\u00f4ng t\u1ec9nh t\u00e1o v\u00e0 c\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 s\u1ebd d\u1ec5 v\u01b0\u1edbng v\u00e0o v\u00f2ng n\u1ee3 n\u1ea7n.<\/strong><\/p>\n

Nhu c\u1ea7u l\u1edbn<\/strong><\/p>\n

M\u1ed9t b\u00e0 b\u00e1n rau c\u1ea7n vay s\u1ed1 ti\u1ec1n m\u1ed9t tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u00e0 c\u0169ng kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp. M\u1eb7c d\u00f9 s\u1ed1 ti\u1ec1n vay \u00edt, b\u00e0 kh\u00f4ng th\u1ec3 vay \u0111\u01b0\u1ee3c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, v\u00e0 n\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec b\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 vay \u1edf th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng \u0111en.<\/p>\n

M\u1ed7i ng\u00e0y b\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c 300.000 \u0111\u1ed3ng nh\u01b0ng ph\u1ea3i tr\u1ea3 l\u00e3i t\u1edbi 100.000 \u0111\u1ed3ng. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i \u0111\u01b0\u1ee3c cho l\u00e0 r\u1ea5t cao. Nh\u01b0ng d\u00f9 sao, n\u1ebfu kh\u00f4ng c\u00f3 m\u1ed9t tri\u1ec7u \u0111\u1ed3ng \u0111\u00f3 th\u00ec b\u00e0 c\u0169ng kh\u00f4ng th\u1ec3 ki\u1ebfm 200.000 \u0111\u1ed3ng\/th\u00e1ng \u0111\u1ec3 ki\u1ebfm ti\u1ec1n nu\u00f4i ch\u1ed3ng, nu\u00f4i con.<\/p>\n

\u0110\u00e2y l\u00e0 v\u00ed d\u1ee5 m\u00e0 \u00f4ng Ph\u1ea1m Xu\u00e2n H\u00f2e, Ph\u00f3 vi\u1ec7n tr\u01b0\u1edfng Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng, \u0111\u01b0a ra trong m\u1ed9t bu\u1ed5i t\u1ecda \u0111\u00e0m g\u1ea7n \u0111\u00e2y v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. V\u00ed d\u1ee5 c\u1ee7a \u00f4ng H\u00f2e \u0111\u01b0a ra \u0111\u1ec3 th\u1ea5y r\u1eb1ng, ti\u1ec1m n\u0103ng c\u1ee7a t\u00e0i ch\u00ednh b\u00e1n l\u1ebb c\u00f2n r\u1ea5t l\u1edbn v\u00e0 \u0111ang d\u1ea7n \u0111\u1ea9y l\u00f9i v\u1ea5n n\u1ea1n x\u00e3 h\u1ed9i l\u00e0 t\u00edn d\u1ee5ng \u0111en.<\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i bu\u1ed5i t\u1ecda \u0111\u00e0m, \u00f4ng \u0110\u1eb7ng Thanh H\u00f9ng, Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m ti\u1ebfp th\u1ecb FE Credit, cho bi\u1ebft FE Credit t\u1eadp trung v\u00e0o 60% kh\u00e1ch h\u00e0ng trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng m\u00e0 kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c thu nh\u1eadp, \u0111a ph\u1ea7n l\u00e0 c\u00f4ng nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i h\u01b0\u1edbng t\u1edbi.<\/p>\n

\u00d4ng \u0110\u00e0m Th\u1ebf Th\u00e1i, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c HD Saison, cho hay nh\u00f3m kh\u00e1ch h\u00e0ng \u201cb\u1ecb b\u1ecf qu\u00ean\u201d n\u00e0y \u01b0\u1edbc t\u00ednh kho\u1ea3ng 30-40 tri\u1ec7u ng\u01b0\u1eddi, trong khi 10 n\u0103m qua, ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng m\u1edbi ch\u1ec9 ph\u1ee5c v\u1ee5 kho\u1ea3ng 10 tri\u1ec7u ng\u01b0\u1eddi, t\u1ee9c ch\u1ec9 kho\u1ea3ng 1\/4 dung l\u01b0\u1ee3ng th\u1ecb tr\u01b0\u1eddng. \u201cTh\u1ecb tr\u01b0\u1eddng c\u00f2n l\u1edbn \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh\u201d, \u00f4ng Th\u00e1i n\u00f3i.<\/p>\n

Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng t\u0103ng nhanh \u0111ang tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng \u0111\u1ed9ng l\u1ef1c l\u1edbn c\u1ee7a t\u0103ng tr\u01b0\u1edfng, g\u00f3p ph\u1ea7n kh\u00f4ng nh\u1ecf v\u00e0o ph\u00e1t tri\u1ec3n kinh t\u1ebf \u0111\u1ea5t n\u01b0\u1edbc. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 chuy\u00ean gia cho r\u1eb1ng, k\u00eanh t\u00edn d\u1ee5ng n\u00e0y, d\u00f9 kh\u00f4ng nguy hi\u1ec3m v\u00e0 g\u00e2y ra v\u1ea5n n\u1ea1n x\u00e3 h\u1ed9i nhi\u1ec1u nh\u01b0 t\u00edn d\u1ee5ng \u0111en, kh\u00f4ng ph\u1ea3i kh\u00f4ng c\u00f3 nh\u1eefng r\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

Lu\u1eadt s\u01b0 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 (VIAC), Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho r\u1eb1ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh khi tham gia v\u00e0o l\u0129nh v\u1ef1c cho vay ti\u00eau d\u00f9ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cho vay nhanh, d\u1ecbch v\u1ee5 cung c\u1ea5p ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb tr\u01b0\u1eddng nh\u01b0ng l\u00e3i su\u1ea5t th\u01b0\u1eddng cao g\u1ea5p \u0111\u00f4i, g\u1ea5p ba so v\u1edbi ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, l\u00e3i vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh so v\u1edbi t\u00edn d\u1ee5ng \u0111en th\u1ea5p h\u01a1n v\u00e0 \u00edt r\u1ee7i ro h\u01a1n. Vi\u1ec7c cho vay h\u1ee3p ph\u00e1p n\u00e0y n\u1ebfu ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c s\u1ebd \u0111\u00e1p \u1ee9ng nhu c\u1ea7u x\u00e3 h\u1ed9i, h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00edn d\u1ee5ng \u0111en.<\/em><\/p>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, hi\u1ec7n nay ch\u01b0a c\u00f3 nhi\u1ec1u s\u1ef1 c\u1ea1nh tranh gi\u1eefa c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00ec m\u1edbi ch\u1ec9 c\u00f3 kho\u1ea3ng ch\u1ee5c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay ti\u00eau d\u00f9ng. Trong s\u1ed1 \u0111\u00f3, ch\u1ec9 m\u1ed9t v\u00e0i c\u00f4ng ty cho vay chuy\u00ean bi\u1ec7t trong l\u0129nh v\u1ef1c \u00f4 t\u00f4, xe m\u00e1y ho\u1eb7c ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t t\u1ec9nh, ngh\u0129a l\u00e0 ch\u1ec9 c\u00f3 2-3 c\u00f4ng ty t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng tr\u00ean ph\u1ea1m vi r\u1ed9ng n\u00ean \u00edt c\u00f3 s\u1ef1 c\u1ea1nh tranh.<\/em><\/p>\n

H\u01a1n n\u1eefa, l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh theo quy lu\u1eadt th\u1ecb tr\u01b0\u1eddng, d\u1ef1a tr\u00ean c\u01a1 s\u1edf th\u1ecfa thu\u1eadn gi\u1eefa b\u00ean \u0111i vay v\u00e0 b\u00ean cho vay. Nh\u01b0ng v\u1edbi th\u1ecb tr\u01b0\u1eddng l\u1edbn nh\u01b0ng ch\u1ec9 c\u00f3 s\u00e1u c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng cung c\u1ea5p d\u1ecbch v\u1ee5 s\u1ebd d\u1eabn t\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cho vay b\u1ecb m\u1ea5t t\u00ednh c\u1ea1nh tranh. Do \u0111\u00f3, theo \u00f4ng \u0110\u1ee9c, c\u1ea7n ph\u00e1t tri\u1ec3n th\u00eam nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 gi\u1ea3m l\u00e3i vay v\u1ec1 m\u1ee9c h\u1ee3p l\u00fd h\u01a1n.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf, \u00f4ng L\u00ea Xu\u00e2n Ngh\u0129a, chuy\u00ean gia kinh t\u1ebf, cho r\u1eb1ng d\u00f9 c\u00f4ng ty t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng nh\u01b0ng c\u0169ng n\u00ean c\u1ea9n tr\u1ecdng. Tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Th\u00e1i Lan v\u00e0 Trung Qu\u1ed1c l\u00e0 nh\u1eefng b\u00e0i h\u1ecdc. \u1ede th\u1eddi k\u1ef3 \u0111\u1ec9nh \u0111i\u1ec3m, m\u1ed7i n\u01b0\u1edbc \u0111\u1ec1u c\u00f3 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ea7u t\u01b0 v\u00e0o c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ee9ng kho\u00e1n\u2026 V\u00e0 khi bong b\u00f3ng v\u1ee1 \u0111\u00e3 d\u1eabn \u0111\u1ebfn cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh ch\u00e2u \u00c1 1997 v\u1edbi s\u1ef1 ph\u00e1 s\u1ea3n c\u1ee7a h\u00e0ng lo\u1ea1t c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n

\"\"<\/p>\n

\u0110\u1ecdc k\u1ef9 tr\u01b0\u1edbc khi vay<\/strong><\/p>\n

Theo c\u00e1c chuy\u00ean gia, t\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed3ng \u00fd v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, nh\u1ea5t l\u00e0 v\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t trong h\u1ea1n c\u0169ng nh\u01b0 qu\u00e1 h\u1ea1n.<\/p>\n

Kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc k\u1ef9, kh\u00f4ng t\u00ecm hi\u1ec3u v\u1ea5n \u0111\u1ec1 s\u1ebd ngh\u0129 m\u00ecnh b\u1ecb l\u1eeba khi ph\u1ea3i tr\u1ea3 s\u1ed1 n\u1ee3 qu\u00e1 cao. L\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay, \u0111i\u1ec1u ki\u1ec7n vay, c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng nh\u01b0ng ng\u01b0\u1eddi vay \u00edt quan t\u00e2m v\u00e0 kh\u00f4ng \u0111\u1ecdc k\u1ef9 th\u00ec s\u1ebd kh\u00f4ng hi\u1ec3u. \u0110\u1ebfn l\u00fac ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i, nh\u1ea5t l\u00e0 ph\u1ea3i \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i ph\u1ea1t tr\u1ea3 ch\u1eadm, t\u1ee9c \u00e1p m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi gi\u1eadt m\u00ecnh t\u01b0\u1edfng r\u1eb1ng b\u1ecb l\u1eeba.<\/p>\n

Ngo\u00e0i ra, c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e2u ch\u1eef trong h\u1ee3p \u0111\u1ed3ng kh\u00f4ng th\u1eadt s\u1ef1 r\u00f5 r\u00e0ng, vi\u1ec7c t\u01b0 v\u1ea5n, gi\u1ea3i th\u00edch kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 n\u00ean kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c ho\u1eb7c hi\u1ec3u nh\u1ea7m. \u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng x\u1ea3y ra \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng th\u1ee9c cho vay t\u00ednh l\u00e3i c\u1ed1 \u0111\u1ecbnh tr\u00ean d\u01b0 n\u1ee3 ban \u0111\u1ea7u.<\/p>\n

V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi vay 10 tri\u1ec7u \u0111\u1ed3ng trong m\u1ed9t n\u0103m, l\u00e3i 5% m\u1ed9t th\u00e1ng. Khi s\u1ed1 n\u1ee3 g\u1ed1c ch\u1ec9 c\u00f2n m\u1ed9t tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng v\u1eabn ph\u1ea3i tr\u1ea3 l\u00e3i 500.000 \u0111\u1ed3ng\/th\u00e1ng, t\u1ee9c l\u00ean t\u1edbi 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 m\u1ed9t tri\u1ec7u th\u00ec ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i 50.000 \u0111\u1ed3ng, t\u1ee9c v\u1eabn 5%\/th\u00e1ng.<\/p>\n

Do \u0111\u00f3, tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi vay c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh. N\u1ebfu vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd x\u1eed l\u00fd theo \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng. C\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cho vay v\u1edbi l\u00e3i su\u1ea5t 30-40%\/n\u0103m ho\u1eb7c c\u00f3 th\u1ec3 cao h\u01a1n. Nh\u1eefng ch\u1ebf t\u00e0i kh\u00e1c nh\u01b0 \u0111\u00f4n \u0111\u1ed1c, th\u00fac gi\u1ee5c, ki\u1ec7n ra t\u00f2a, x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec1u \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p.<\/p>\n

C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ph\u1ea3i r\u00e1o ri\u1ebft thu h\u1ed3i v\u1ed1n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n v\u00e0 hi\u1ec7u qu\u1ea3 kinh doanh, n\u00ean th\u01b0\u1eddng kh\u00f4ng ch\u00e2m ch\u01b0\u1edbc, \u01b0u \u00e1i cho kh\u00e1ch h\u00e0ng. Cho vay s\u1ea3n xu\u1ea5t kinh doanh th\u00ec l\u00e3i su\u1ea5t th\u1ea5p, c\u00f2n \u0111\u01b0\u1ee3c xem x\u00e9t nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 gia h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n gi\u1ea3m l\u00e3i su\u1ea5t. C\u00f2n cho vay ti\u00eau d\u00f9ng th\u00ec g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m \u0111\u00f3, n\u00ean khi kh\u00f4ng tr\u1ea3 n\u1ee3 ng\u01b0\u1eddi vay th\u01b0\u1eddng b\u1ecb \u00e1p ch\u1ebf t\u00e0i r\u1ea5t n\u1eb7ng, \u00edt c\u00f3 \u0111\u1ed9 tr\u1ec5 nh\u01b0 cho vay s\u1ea3n xu\u1ea5t kinh doanh.<\/p>\n

Ch\u1eadm tr\u1ea3 n\u1ee3 trong cho vay ti\u00eau d\u00f9ng, l\u00e3i t\u0103ng th\u00eam r\u1ea5t nhanh, ch\u1eb3ng m\u1ea5y ch\u1ed1c ti\u1ec1n l\u00e3i nhi\u1ec1u h\u01a1n s\u1ed1 ti\u1ec1n g\u1ed1c. Do \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i th\u1ef1c s\u1ef1 hi\u1ec3u c\u1eb7n k\u1ebd c\u00e1c ng\u00f3c ng\u00e1ch c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng h\u00e3y \u0111\u1eb7t b\u00fat k\u00fd, tr\u00e1nh nh\u1eefng r\u1eafc r\u1ed1i v\u1ec1 sau.<\/p>\n

Thu\u1ef3 Dung<\/strong><\/p>\n

————————————–<\/p>\n

S\u00e0i G\u00f2n Ti\u1ebfp th\u1ecb 30-7-2017:<\/em><\/strong><\/p>\n

http:\/\/www.sgtiepthi.vn\/tim-hieu-ky-truoc-khi-vay-tin-dung-tieu-dung\/<\/a><\/em><\/p>\n

(281\/1.344)<\/em>","protected":false},"excerpt":{"rendered":"

(SGTT) – T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111ang g\u00f3p ph\u1ea7n \u0111\u1ea9y l\u00f9i v\u1ea5n n\u1ea1n t\u00edn d\u1ee5ng \u0111en v\u00e0 b\u1ea5t \u1ed5n x\u00e3 h\u1ed9i. Ch\u1ec9 c\u00f3 \u0111i\u1ec1u, hi\u1ec7n nay s\u1ed1 l\u01b0\u1ee3ng c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u00edt, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cao, ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u1ebfu kh\u00f4ng t\u1ec9nh t\u00e1o v\u00e0 c\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 s\u1ebd […]<\/p>\n","protected":false},"author":1,"featured_media":26848,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.442. 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