{"id":27553,"date":"2017-09-03T09:58:15","date_gmt":"2017-09-03T02:58:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=27553"},"modified":"2022-06-16T09:59:38","modified_gmt":"2022-06-16T02:59:38","slug":"1-458-vay-tieu-dung-do-bo-mien-que","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-458-vay-tieu-dung-do-bo-mien-que\/","title":{"rendered":"1.458. Vay ti\u00eau d\u00f9ng &#8216;\u0111\u1ed5 b\u1ed9&#8217; mi\u1ec1n qu\u00ea"},"content":{"rendered":"<h3>(VNE) &#8211; Kh\u00f4ng \u00edt thanh ni\u00ean t\u1ec9nh l\u1ebb \u0111ang d\u00f9ng smartphone h\u01a1n ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng l\u1ea7n \u0111\u1ea7u trong \u0111\u1eddi nh\u1edd cu\u1ed9c &#8220;\u0111\u1ed5 b\u1ed9&#8221; c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng.<\/h3>\n<p>Ng\u00f4 V\u0103n Huy (23 tu\u1ed5i, B\u1eafc Giang) v\u1eeba mua chi\u1ebfc laptop h\u01a1n 13 tri\u1ec7u \u0111\u1ed3ng v\u00e0 \u0111\u00e2y l\u00e0 m\u00f3n \u0111\u1ed3 \u0111\u1ea7u ti\u00ean anh mua tr\u1ea3 g\u00f3p, m\u1ed9t h\u00ecnh th\u1ee9c m\u1edbi ph\u1ed5 bi\u1ebfn \u1edf th\u1ecb tr\u1ea5n nh\u1ecf qu\u00ea anh. T\u1eeb v\u00e0i th\u00e1ng nay, nh\u1eefng t\u1edd r\u01a1i v\u1edbi n\u1ed9i dung ki\u1ec3u &#8220;cho vay ti\u1ec1n nhanh&#8221;, &#8220;vay ti\u1ec1n kh\u00f4ng c\u1ea7n th\u1ebf ch\u1ea5p&#8221;, &#8220;vay tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0%&#8221;&#8230; b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n d\u00e0y \u0111\u1eb7c h\u01a1n tr\u00ean nh\u1eefng b\u1ee9c t\u01b0\u1eddng d\u1ecdc con \u0111\u01b0\u1eddng c\u1ee7a th\u1ecb tr\u1ea5n, c\u1ea1nh nh\u1eefng c\u1eeda h\u00e0ng \u0111\u1ea1i l\u00fd. B\u00ean trong c\u00e1c c\u1eeda h\u00e0ng, trung t\u00e2m b\u00e1n \u0111i\u1ec7n m\u00e1y s\u1ea7m u\u1ea5t c\u0169ng d\u00e1n nhi\u1ec1u poster v\u1edbi l\u1eddi qu\u1ea3ng c\u00e1o mua tr\u1ea3 g\u00f3p kh\u00f4ng l\u00e3i su\u1ea5t.<\/p>\n<p>Th\u1ef1c t\u1ebf, h\u00ecnh th\u1ee9c cho vay n\u00e0y \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n bi\u1ebft \u0111\u1ebfn \u1edf c\u00e1c t\u1ec9nh. C\u00f9ng v\u1edbi c\u00e1c c\u1eeda h\u00e0ng \u0111i\u1ec7n m\u00e1y, di \u0111\u1ed9ng, hi\u1ec7n h\u1ea7u h\u1ebft nh\u1eefng c\u00e1i t\u00ean trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng nh\u01b0 FE Credit, Home Credit, HD Saison, JACCS, Prudential&#8230; \u0111\u1ec1u \u0111\u00e3 m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi t\u1edbi c\u00e1c t\u1ec9nh v\u00e0 th\u1eadm ch\u00ed \u0111i s\u00e2u v\u00e0o c\u00e1c x\u00e3 nh\u1ecf thay v\u00ec ch\u1ec9 \u1edf th\u1ecb tr\u1ea5n trung t\u00e2m. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng \u0111ang h\u01b0\u1edbng \u0111\u1ebfn khai th\u00e1c th\u1ecb tr\u01b0\u1eddng c\u00f2n b\u1ecf ng\u1ecf t\u1ea1i c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n, thay v\u00ec gi\u00e0nh gi\u1eadt kh\u00e1ch h\u00e0ng \u1edf khu v\u1ef1c th\u00e0nh th\u1ecb v\u00e0 c\u00e1c c\u1ee5m c\u00f4ng nghi\u1ec7p &#8211; v\u1ed1n \u0111\u00e3 r\u1ea5t kh\u1ed1c li\u1ec7t.<\/p>\n<table width=\"500\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-27555 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/28-2-450x270.jpg\" alt=\"\" width=\"450\" height=\"270\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/28-2-450x270.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/28-2.jpg 500w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td>C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ea1nh tranh gay g\u1eaft t\u1ea1i t\u1eebng \u0111i\u1ec3m b\u00e1n l\u1ebb \u1edf c\u00e1c t\u1ec9nh, trong \u0111\u00f3 c\u00f3\u00a0B\u1eafc Giang.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Tr\u01b0\u1edbc \u0111\u00e2y, ph\u1ea7n l\u1edbn ng\u01b0\u1eddi d\u00e2n ch\u1ec9 bi\u1ebft vay ti\u1ec1n ng\u01b0\u1eddi th\u00e2n, ch\u01a1i &#8220;h\u1ecd&#8221;, c\u00f9ng l\u1eafm l\u00e0 b\u01b0\u1edbc ch\u00e2n t\u1edbi ti\u1ec7m c\u1ea7m \u0111\u1ed3. Ng\u01b0\u1eddi n\u00e0o l\u00e0m \u0103n t\u1ed1t, c\u00f3 nhi\u1ec1u quan h\u1ec7 th\u00ec c\u00f3 th\u1ec3 vay \u1edf c\u00e1c qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n. C\u00f2n l\u1ea1i, r\u1ea5t \u00edt ng\u01b0\u1eddi d\u00e1m h\u1ecfi vay ng\u00e2n h\u00e0ng hay m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u00e0o \u0111\u00f3.<\/p>\n<p>Khu v\u1ef1c n\u00f4ng th\u00f4n &#8211; n\u01a1i m\u00e0 v\u1eabn c\u00f2n 60% d\u00e2n s\u1ed1 Vi\u1ec7t Nam \u0111ang sinh s\u1ed1ng, do \u0111\u00f3, theo nhi\u1ec1u chuy\u00ean gia, l\u00e0 r\u1ea5t ti\u1ec1m n\u0103ng cho m\u1ea3ng cho vay ti\u00eau d\u00f9ng. B\u00e0 Nguy\u1ec5n Thu\u1ef3 D\u01b0\u01a1ng &#8211; Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a EY Vi\u1ec7t Nam cho r\u1eb1ng, m\u1ee5c ti\u00eau m\u1edf r\u1ed9ng th\u1ecb tr\u01b0\u1eddng, ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u kh\u00e1ch h\u00e0ng m\u1edbi c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng s\u1ebd kh\u00f3 th\u00e0nh hi\u1ec7n th\u1ef1c trong b\u1ed1i c\u1ea3nh c\u1ea1nh tranh nh\u01b0 hi\u1ec7n nay. Do \u0111\u00f3, nh\u1eafm \u0111\u1ebfn khu v\u1ef1c n\u00f4ng th\u00f4n c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t h\u01b0\u1edbng \u0111i m\u1edbi, gi\u00fap c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh g\u1ee1 \u0111\u01b0\u1ee3c n\u00fat th\u1eaft trong chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i.<\/p>\n<p><em>Theo chuy\u00ean gia Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, chi\u1ebfn l\u01b0\u1ee3c n\u00e0y c\u0169ng h\u1ee3p l\u00fd tr\u00ean g\u00f3c \u0111\u1ed9 gi\u1ea3i quy\u1ebft v\u1ea5n n\u1ea1n c\u1ee7a t\u00edn d\u1ee5ng &#8220;\u0111en&#8221; \u0111ang b\u00f9ng ph\u00e1t \u1edf c\u00e1c mi\u1ec1n qu\u00ea. L\u00e3i vay ti\u00eau d\u00f9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh theo \u00f4ng, d\u00f9 cao h\u01a1n c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0ng so v\u1edbi t\u00edn d\u1ee5ng \u0111en l\u1ea1i th\u1ea5p h\u01a1n v\u00e0 \u00edt r\u1ee7i ro h\u01a1n.<\/em><\/p>\n<p><em>&#8220;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&#8221;, \u00f4ng n\u00f3i.<\/em><\/p>\n<p><strong><em>D\u1ec5 d\u00e0ng mua \u0111\u01b0\u1ee3c xe m\u00e1y, \u0111i\u1ec7n tho\u1ea1i nh\u1edd tr\u1ea3 g\u00f3p, tuy nhi\u00ean, kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n l\u1ea1i \u0111ang ph\u1ea3i ch\u1ea7y tr\u1eadt tr\u1ea3 n\u1ee3 do thi\u1ebfu t\u00ednh to\u00e1n v\u00e0 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh.<\/em><\/strong><em>\u00a0M\u1ed9t l\u00e0 h\u1ecd kh\u00f4ng t\u00ecm hi\u1ec3u k\u1ef9 h\u1ee3p \u0111\u1ed3ng, trong \u0111\u00f3 c\u00f3 n\u1ed9i dung r\u1ea5t r\u00f5 r\u1eb1ng, l\u00e3i su\u1ea5t vay ti\u1ec1n m\u1eb7t hay vay mua tr\u1ea3 g\u00f3p c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1 cao, th\u01b0\u1eddng t\u1eeb 20% \u0111\u1ebfn 50% m\u1ed9t n\u0103m. Hai l\u00e0 nhi\u1ec1u thanh ni\u00ean \u1edf c\u00e1c v\u00f9ng qu\u00ea vay ti\u1ec1n nh\u01b0ng l\u1ea1i s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch ti\u00eau x\u00e0i ch\u1ee9 kh\u00f4ng ph\u1ea3i mua s\u1eafm thi\u1ebft b\u1ecb, l\u00e0m \u0103n.<\/em><\/p>\n<p><em>Do \u0111\u00f3, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c l\u01b0u \u00fd khi k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi \u0111i vay n\u00ean t\u00ecm hi\u1ec3u th\u1eadt k\u1ef9 v\u1ec1 l\u00e3i su\u1ea5t. Cho vay ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t cho vay v\u1edbi m\u1ed7i h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng kh\u00e1c nhau, t\u00f9y thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng. V\u00ec th\u1ebf, kh\u00e1ch h\u00e0ng n\u00ean d\u00f9ng quy\u1ec1n th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t.<\/em><\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, d\u00f9 c\u00f3 \u00fd th\u1ee9c \u0111\u01b0a l\u00e3i su\u1ea5t xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng vay, nh\u01b0ng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u1eabn ph\u1ea3i duy tr\u00ec m\u1ee9c l\u00e3i su\u1ea5t cao \u0111\u1ec3 b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c c\u00e1c chi ph\u00ed trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng v\u00e0 duy tr\u00ec l\u1ee3i nhu\u1eadn.<\/p>\n<p>Tuy nhi\u00ean, theo c\u00e1c chuy\u00ean gia ph\u00e1p ch\u1ebf, h\u1ecd v\u1eabn c\u1ea7n t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng vay \u0111\u1ea7y \u0111\u1ee7, trung th\u1ef1c nh\u1eefng th\u00f4ng tin v\u1ec1 kho\u1ea3n vay, l\u00e3i su\u1ea5t cho vay, c\u00e1ch t\u00ednh l\u00e3i, th\u1eddi gian t\u00ednh l\u00e3i khi k\u00fd k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u1eadm ch\u00ed c\u0169ng ph\u1ea3i chi ti\u1ebft c\u00e1c chi ph\u00ed tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n, m\u1ee9c ph\u1ea1t khi c\u00e1c b\u00ean vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>V\u1ec1 ph\u00eda kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng c\u0169ng c\u1ea7n n\u00e2ng cao hi\u1ec3u bi\u1ebft v\u1ec1 nh\u1eefng ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n nh\u01b0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00f3i chung, vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang. Tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd v\u00e0o \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb vay ki\u00eam h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, kh\u00e1ch h\u00e0ng n\u00ean hi\u1ec3u r\u00f5 t\u1eebng \u0111i\u1ec1u kho\u1ea3n, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec1u ki\u1ec7n r\u00e0ng bu\u1ed9c do b\u00ean cho vay \u0111\u01b0a ra.<\/p>\n<p><strong>Thanh Thanh Lan<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>VNExpress (Kinh doanh) 03-9-2017:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/ngan-hang\/vay-tieu-dung-do-bo-mien-que-3636193.html\">http:\/\/kinhdoanh.vnexpress.net\/tin-tuc\/ebank\/ngan-hang\/vay-tieu-dung-do-bo-mien-que-3636193.html<\/a><\/em><\/p>\n<p><em>(259\/936)<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNE) &#8211; Kh\u00f4ng \u00edt thanh ni\u00ean t\u1ec9nh l\u1ebb \u0111ang d\u00f9ng smartphone h\u01a1n ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng l\u1ea7n \u0111\u1ea7u trong \u0111\u1eddi nh\u1edd cu\u1ed9c &#8220;\u0111\u1ed5 b\u1ed9&#8221; c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. Ng\u00f4 V\u0103n Huy (23 tu\u1ed5i, B\u1eafc Giang) v\u1eeba mua chi\u1ebfc laptop h\u01a1n 13 tri\u1ec7u \u0111\u1ed3ng v\u00e0 \u0111\u00e2y l\u00e0 m\u00f3n \u0111\u1ed3 \u0111\u1ea7u ti\u00ean anh mua [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":27555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-27553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.458. 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