{"id":26902,"date":"2017-11-27T09:08:02","date_gmt":"2017-11-27T02:08:02","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26902"},"modified":"2022-06-15T09:10:06","modified_gmt":"2022-06-15T02:10:06","slug":"1-629-van-phai-can-trong-khi-mua-nha-tai-du-an-co-bao-lanh-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-629-van-phai-can-trong-khi-mua-nha-tai-du-an-co-bao-lanh-ngan-hang\/","title":{"rendered":"1.629. V\u1eabn ph\u1ea3i c\u1ea9n tr\u1ecdng khi mua nh\u00e0 t\u1ea1i d\u1ef1 \u00e1n c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng"},"content":{"rendered":"(CAND) – Th\u1ef1c t\u1ebf th\u1eddi gian qua, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua nh\u00e0 \u0111\u00e3 m\u1ea5t tr\u1eafng s\u1ed1 ti\u1ec1n b\u1ecf v\u00e0o c\u00e1c d\u1ef1 \u00e1n B\u0110S h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Do \u0111\u00f3, vi\u1ec7c \u0111\u00f2i h\u1ecfi nh\u1eefng quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh nh\u01b0 y\u00eau c\u1ea7u ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh l\u00e0 m\u1ed9t h\u00e0nh \u0111\u1ed9ng m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o gi\u1ea3m \u0111\u01b0\u1ee3c t\u1ed1i thi\u1ec3u v\u1ec1 r\u1ee7i ro.<\/p>\n

M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ch\u00ednh th\u1ee9c c\u00f4ng b\u1ed1 danh s\u00e1ch 40 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ee7 n\u0103ng l\u1ef1c th\u1ef1c hi\u1ec7n b\u1ea3o l\u00e3nh nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Theo quy \u0111\u1ecbnh, doanh nghi\u1ec7p mu\u1ed1n \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ph\u1ea3i c\u00f3 ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n k\u00fd qu\u1ef9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh, \u0111\u1ed3ng th\u1eddi \u0111\u00f3ng ph\u00ed 2% gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh. V\u00e0 t\u1ea5t nhi\u00ean, to\u00e0n b\u1ed9 chi ph\u00ed s\u1ebd ho\u1ea1ch to\u00e1n v\u00e0o gi\u00e1 th\u00e0nh.<\/p>\n

\"\"<\/p>\n

C\u1ea7n th\u1ea9m \u0111\u1ecbnh n\u0103ng l\u1ef1c ch\u1ee7 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc khi mua nh\u00e0. \u1ea2nh minh h\u1ecda: CTV.<\/p>\n

\u00d4ng Nguy\u1ec5n M\u1ea1nh H\u00e0 \u2013 Ph\u00f3 Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i B\u0110S Vi\u1ec7t Nam t\u00ednh to\u00e1n n\u1ebfu ph\u1ea3i \u0111i vay t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1ebd l\u00e0m gi\u00e1 nh\u00e0 l\u00ean r\u1ea5t cao. Ph\u01b0\u01a1ng th\u1ee9c b\u1ea3o l\u00e3nh gi\u00fap ng\u01b0\u1eddi mua c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1eddi gian ti\u1ebft ki\u1ec7m. T\u1eeb khi b\u00e1n nh\u00e0 \u0111\u1ebfn nh\u1eadn nh\u00e0 \u00edt ph\u1ea3i 2 n\u0103m, nhi\u1ec1u ph\u1ea3i 3, 4 n\u0103m. Trong th\u1eddi gian \u0111\u00f3, ng\u01b0\u1eddi mua ch\u1ec9 ph\u1ea3i tr\u1ea3 kho\u1ea3n ti\u1ec1n khi\u00eam t\u1ed1n. C\u00f2n nh\u1eefng l\u1ea7n sau s\u1ebd tr\u1ea3 theo ti\u1ebfn \u0111\u1ed9. Qu\u00e1 tr\u00ecnh \u0111\u00f3, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 t\u01b0 t\u01b0\u1edfng ti\u1ebft ki\u1ec7m v\u00e0 lo \u0111\u01b0\u1ee3c kinh ph\u00ed tr\u1ea3 ti\u1ec1n nh\u00e0.<\/p>\n

V\u1eady ch\u1ea5p nh\u1eadn m\u1ea5t ph\u00ed, li\u1ec7u quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m? H\u1ea7u h\u1ebft nh\u1eefng v\u1ee5 tranh ch\u1ea5p ph\u00e1t sinh kh\u00f4ng ph\u1ea3i v\u00ec l\u00e3i su\u1ea5t hay gi\u00e1 c\u1ea3, m\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ti\u1ebfn \u0111\u1ed9, ph\u00e1p l\u00fd. Kh\u00f4ng \u00edt nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f2n non kinh nghi\u1ec7m v\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng v\u1eabn li\u00ean t\u1ee5c v\u1ea5p ph\u1ea3i v\u00f4 s\u1ed1 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd nh\u01b0 th\u1ee7 t\u1ee5c, thu\u1ebf ph\u00ed…<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t s\u1ed1 ch\u1ee7 \u0111\u1ea7u t\u01b0 khi b\u00e1n nh\u00e0 ch\u1ec9 cung c\u1ea5p nh\u1eefng \u0111i\u1ec1u thu\u1eadn l\u1ee3i nh\u01b0 v\u1ecb tr\u00ed m\u1eb7t b\u1eb1ng, ti\u1ec7n \u00edch khi s\u1eed d\u1ee5ng\u2026 Kh\u00e1ch h\u00e0ng s\u1ebd d\u1ec5 b\u1ecb cu\u1ed1n v\u00e0o c\u00e1c l\u1eddi gi\u1edbi thi\u1ec7u m\u00e0 b\u1ecf qua t\u00ednh ph\u00e1p l\u00fd \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a m\u1ed9t d\u1ef1 \u00e1n nh\u00e0 \u1edf. D\u0129 nhi\u00ean, v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, thi\u1ec7t h\u1ea1i s\u1ebd lu\u00f4n thu\u1ed9c v\u1ec1 kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u1ec3 tr\u00e1nh r\u1ee7i ro, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,\u00a0<\/em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>cho r\u1eb1ng, khi mua nh\u00e0, \u0111i\u1ec1u quan tr\u1ecdng \u0111\u1ea7u ti\u00ean l\u00e0 uy t\u00edn c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. N\u1ebfu kinh doanh b\u00e0i b\u1ea3n, nghi\u00eam t\u00fac, t\u1eed t\u1ebf, th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1eb5n s\u00e0ng chia s\u1ebb quy\u1ec1n l\u1ee3i v\u00ec kh\u00e1ch h\u00e0ng. Ng\u01b0\u1ee3c l\u1ea1i th\u00ec kh\u00f4ng gi\u1ea5y t\u1edd, cam k\u1ebft, quy \u0111\u1ecbnh n\u00e0o r\u00e0ng bu\u1ed9c \u0111\u01b0\u1ee3c chuy\u1ec7n ch\u1eafc ch\u1eafn kh\u00f4ng c\u00f3 s\u1ef1 b\u1ed9i \u01b0\u1edbc, l\u1eadt l\u1ecdng v\u00e0 tr\u00e1nh kh\u1ecfi \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed5 b\u1ec3, ph\u00e1 s\u1ea3n.<\/em><\/p>\n

Ngo\u00e0i uy t\u00edn c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0, vai tr\u00f2 c\u1ee7a c\u00e1c NH trong quy tr\u00ecnh huy \u0111\u1ed9ng v\u1ed1n cho d\u1ef1 \u00e1n r\u1ea5t quan tr\u1ecdng.<\/em><\/p>\n

Tuy nhi\u00ean, v\u1ec1 ph\u00e1p l\u00fd v\u1eabn l\u00e0 \u0111i\u1ec1u t\u1ed1i thi\u1ec3u m\u00e0 ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng th\u1ec3 b\u1ecf qua. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai th\u00ec ph\u1ea3i bi\u1ebft \u0111\u01b0\u1ee3c \u00edt nh\u1ea5t 3 \u0111i\u1ec1u ki\u1ec7n ch\u00ednh.<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t, d\u1ef1 \u00e1n \u0111\u00f3 c\u00f3 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng kh\u00f4ng, t\u1ee9c c\u00f3 h\u1ee3p ph\u00e1p hay kh\u00f4ng.<\/em><\/p>\n

Th\u1ee9 hai d\u1ef1 \u00e1n \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c S\u1edf X\u00e2y d\u1ef1ng cho ph\u00e9p b\u00e1n, t\u1ee9c l\u00e0 \u0111\u00e3 x\u00e2y xong m\u00f3ng v\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 b\u00e1n nh\u00e0 hay ch\u01b0a.<\/em><\/p>\n

V\u00e0 th\u1ee9 ba, d\u1ef1 \u00e1n \u0111\u00f3 c\u00f3 b\u1ea3o l\u00e3nh mua b\u00e1n nh\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng (NH) n\u00e0o. N\u1ebfu kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00ecm hi\u1ec3u 2 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7u th\u00ec c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o \u0111i\u1ec1u ki\u1ec7n th\u1ee9 ba l\u00e0 \u0111\u1ee7, v\u00ec NH ch\u1ec9 th\u1ef1c hi\u1ec7n b\u1ea3o l\u00e3nh khi \u0111\u00e3 b\u1ea3o \u0111\u1ea3m 2 \u0111i\u1ec1u ki\u1ec7n tr\u01b0\u1edbc.<\/em><\/p>\n

V\u1ec1 t\u00ednh ph\u00e1p l\u00fd c\u1ee7a d\u1ef1 \u00e1n, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam t\u1ea1i c\u00e1c n\u01a1i li\u00ean quan nh\u01b0 S\u1edf X\u00e2y d\u1ef1ng, S\u1edf T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng, C\u1ee5c \u0110\u0103ng k\u00fd qu\u1ed1c gia giao d\u1ecbch b\u1ea3o \u0111\u1ea3m (B\u1ed9 T\u01b0 ph\u00e1p), C\u01a1 quan Thu\u1ebf,\u2026 \u201cPh\u00e1p lu\u1eadt c\u0169ng quy \u0111\u1ecbnh nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua b\u00e1n nh\u00e0 \u1edf, nh\u1ea5t l\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Tuy nhi\u00ean, ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng n\u1eafm h\u1ebft ho\u1eb7c kh\u00f3 n\u1eafm b\u1eaft m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3.<\/em><\/p>\n

V\u00ec v\u1eady, thay v\u00ec ph\u1ea3i t\u00ecm hi\u1ec3u, \u0111\u00e1nh gi\u00e1 nhi\u1ec1u y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd, th\u00ec ch\u1ec9 c\u1ea7n t\u1eadp trung ch\u1ee7 y\u1ebfu v\u00e0o vi\u1ec7c c\u00f3 b\u1ea3o l\u00e3nh th\u1eadt c\u1ee7a NH hay kh\u00f4ng? V\u00ec v\u1eady t\u1ed1t nh\u1ea5t l\u00e0 d\u1ef1a v\u00e0o v\u0103n b\u1ea3n b\u1ea3o l\u00e3nh vi\u1ec7c b\u00e1n nh\u00e0 c\u1ee7a NHTM. V\u00ec NH ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 ngh\u0129a v\u1ee5 giao nh\u00e0 cho ng\u01b0\u1eddi mua, n\u1ebfu kh\u00f4ng s\u1ebd ph\u1ea3i \u0111\u1ec1n b\u00f9 ti\u1ec1n cho ng\u01b0\u1eddi mua, n\u00ean h\u1ecd s\u1ebd ph\u1ea3i b\u1ea3o \u0111\u1ea3m c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd c\u0169ng nh\u01b0 th\u1ef1c t\u1ebf an to\u00e0n cao nh\u1ea5t, \u00f4ng \u0110\u1ee9c t\u01b0 v\u1ea5n.<\/em><\/p>\n

Nh\u01b0 v\u1eady, ngo\u00e0i uy t\u00edn c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0, vai tr\u00f2 c\u1ee7a c\u00e1c NH trong quy tr\u00ecnh huy \u0111\u1ed9ng v\u1ed1n cho d\u1ef1 \u00e1n r\u1ea5t quan tr\u1ecdng. C\u00e1c d\u1ef1 \u00e1n B\u0110S \u0111\u01b0\u1ee3c NH \u0111\u1eb7t ni\u1ec1m tin xem nh\u01b0 \u0111\u00e3 v\u01b0\u1ee3t qua b\u00e0i thi \u201cs\u00e1t h\u1ea1ch\u201d quan tr\u1ecdng v\u1ec1 t\u00ednh ph\u00e1p l\u00fd d\u1ef1 \u00e1n v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

Tuy nhi\u00ean, d\u00f9 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c t\u00ednh ph\u00e1p l\u00fd cho kh\u00e1ch h\u00e0ng, c\u00e1c NH s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 ki\u00eam lu\u00f4n vai tr\u00f2 ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng d\u1ef1 \u00e1n. B\u1edfi v\u1eady, \u0111\u1ee9ng t\u1eeb ph\u00eda g\u00f3c \u0111\u1ed9 NH, b\u00e0 Nguy\u1ec5n Thu\u00fd H\u1ea1nh – Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i Kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, NH PVcomBank cho r\u1eb1ng, khi l\u1ef1a ch\u1ecdn mua nh\u00e0, kh\u00e1ch h\u00e0ng v\u1eabn n\u00ean ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c l\u1ef1a ch\u1ecdn d\u1ef1 \u00e1n.<\/p>\n

\u201cN\u0103ng l\u1ef1c\/uy t\u00edn ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n b\u1ea1n chu\u1ea9n b\u1ecb \u0111\u1ea7u t\u01b0 l\u00e0 r\u1ea5t quan tr\u1ecdng. C\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 tr\u01b0\u1edbc, n\u1ebfu kh\u00f4ng \u0111\u1ea7u t\u01b0 v\u00e0o s\u1ebd r\u1ea5t r\u1ee7i ro\u201d, b\u00e0 H\u1ea1nh khuy\u1ebfn c\u00e1o.<\/p>\n

L\u1ec7 Th\u00fay<\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2013<\/strong><\/p>\n

C\u00f4ng an Nh\u00e2n d\u00e2n \u00a027-11-2017:<\/em><\/strong><\/p>\n

http:\/\/cafef.vn\/van-phai-can-trong-khi-mua-nha-tai-du-an-co-bao-lanh-ngan-hang-20171127112729606.chn<\/a><\/em><\/p>\n

(437\/1.030)<\/em>","protected":false},"excerpt":{"rendered":"

(CAND) – Th\u1ef1c t\u1ebf th\u1eddi gian qua, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua nh\u00e0 \u0111\u00e3 m\u1ea5t tr\u1eafng s\u1ed1 ti\u1ec1n b\u1ecf v\u00e0o c\u00e1c d\u1ef1 \u00e1n B\u0110S h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Do \u0111\u00f3, vi\u1ec7c \u0111\u00f2i h\u1ecfi nh\u1eefng quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh nh\u01b0 y\u00eau c\u1ea7u ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh l\u00e0 m\u1ed9t h\u00e0nh \u0111\u1ed9ng m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3i […]<\/p>\n","protected":false},"author":3,"featured_media":26908,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.629. V\u1eabn ph\u1ea3i c\u1ea9n tr\u1ecdng khi mua nh\u00e0 t\u1ea1i d\u1ef1 \u00e1n c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng - 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\/en\/1-629-van-phai-can-trong-khi-mua-nha-tai-du-an-co-bao-lanh-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.629. 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