{"id":28777,"date":"2016-10-26T15:32:48","date_gmt":"2016-10-26T08:32:48","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=28777"},"modified":"2022-06-21T14:01:33","modified_gmt":"2022-06-21T07:01:33","slug":"1-086-ap-dung-luat-nao-de-xac-dinh-lai-suat-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-086-ap-dung-luat-nao-de-xac-dinh-lai-suat-vay-tieu-dung\/","title":{"rendered":"1.086. \u00c1p d\u1ee5ng lu\u1eadt n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng?"},"content":{"rendered":"(ND) – Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u0111ang \u201cn\u00f3ng\u201d d\u1ea7n b\u1edfi th\u1eddi kh\u1eafc th\u1ef1c thi tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i n\u0103m 2015 \u0111ang \u0111\u1ebfn g\u1ea7n. Trong \u0111\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 nh\u01b0: \u00c1p d\u1ee5ng lu\u1eadt n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng? T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (TCTD) c\u00f3 ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015?\u201d l\u00e0 t\u00e2m \u0111i\u1ec3m quan t\u00e2m c\u1ee7a d\u01b0 lu\u1eadn.<\/strong><\/p>\n

\"\"<\/p>\n

C\u00f3 ph\u1ea3i l\u00e0\u00a0cho vay n\u1eb7ng l\u00e3i?<\/strong><\/p>\n

B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 s\u1eeda \u0111\u1ed5i s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y 1-1-2017. Trong \u0111\u00f3, \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh: l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20% c\u1ee7a kho\u1ea3n ti\u1ec1n vay. Tuy nhi\u00ean th\u1ef1c t\u1ebf cho th\u1ea5y, m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 c\u00e1c TCTD v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 \u00e1p d\u1ee5ng l\u1ea1i ph\u1ed5 bi\u1ebfn \u1edf m\u1ee9c 25-30%, c\u00e1 bi\u1ec7t m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i \u00e1p l\u00e3i su\u1ea5t cao h\u01a1n do h\u1ed3 s\u01a1 vay qu\u00e1 y\u1ebfu.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong><\/p>\n

R\u00f5 r\u00e0ng m\u1ee9c l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf \u0111ang cao h\u01a1n h\u1eb3n so v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t m\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 quy \u0111\u1ecbnh. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ea5u ch\u1ed1t g\u00e2y n\u00ean nh\u1eefng tranh c\u00e3i trong su\u1ed1t th\u1eddi gian g\u1ea7n \u0111\u00e2y. Nhi\u1ec1u \u00fd ki\u1ebfn nghi ng\u1ea1i r\u1eb1ng, khi B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i c\u00f3 hi\u1ec7u l\u1ef1c, nguy c\u01a1 c\u00e1c TCTD v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 ph\u1ea1m lu\u1eadt v\u00e0 b\u1ecb kh\u00e9p v\u00e0o t\u1ed9i cho vay n\u1eb7ng l\u00e3i!<\/p>\n

\u201cH\u1ecd kh\u00f4ng h\u1ec1 vi ph\u1ea1m lu\u1eadt\u201d, bi\u1ec7n lu\u1eadn cho nh\u1eefng nghi ng\u1ea1i tr\u00ean, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/span>, Ch\u1ee7 nhi\u1ec7m C\u00e2u l\u1ea1c b\u1ed9 Ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng (Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam) kh\u1eb3ng \u0111\u1ecbnh: Ngo\u00e0i \u0111\u1eb7t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t, b\u1ea3n th\u00e2n \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u0169ng \u0111\u00e3 lo\u1ea1i tr\u1eeb TCTD ra kh\u1ecfi \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh v\u1edbi \u0111i\u1ec1u kho\u1ea3n \u201cTr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u201d. Ngh\u0129a l\u00e0, c\u00e1c TCTD v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 s\u1ebd v\u1eabn ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt c\u00e1c TCTD v\u00e0 Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m, \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i Tr\u1ea7n Du L\u1ecbch c\u0169ng nh\u1eadn \u0111\u1ecbnh: Ch\u00fang ta c\u1ea7n ph\u1ea3i hi\u1ec3u r\u1eb1ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 kh\u00f4ng th\u1ec3 n\u00e0o cho vay n\u1eb7ng l\u00e3i \u0111\u01b0\u1ee3c, b\u1edfi v\u00ec t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay t\u1ea5t c\u1ea3 \u0111\u1ec1u ph\u1ea3i minh b\u1ea1ch, ho\u1ea1t \u0111\u1ed9ng trong khu\u00f4n kh\u1ed5 c\u1ee7a Lu\u1eadt c\u00e1c TCTD v\u00e0 Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/p>\n

H\u00e3y \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng t\u1ef1 quy\u1ebft \u0111\u1ecbnh<\/strong><\/p>\n

N\u1ebfu x\u00e9t \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111i\u1ec1u ch\u1ec9nh h\u00e0nh vi cho vay \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt c\u00e1c TCTD v\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 ch\u00fang ta s\u1ebd th\u1ea5y v\u1ea5n \u0111\u1ec1 kh\u00e1 nan gi\u1ea3i. C\u1ee5 th\u1ec3: Theo Kho\u1ea3n 2, \u0110i\u1ec1u 91 trong Lu\u1eadt c\u00e1c TCTD 2010, TCTD v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t, ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ee7a TCTD theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Trong khi \u0111\u00f3, Kho\u1ea3n 1, \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 l\u1ea1i quy \u0111\u1ecbnh: L\u00e3i su\u1ea5t do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20% c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

\u201c\u1ede \u0111\u00e2y \u0111ang th\u1ec3 hi\u1ec7n s\u1ef1 kh\u00f4ng r\u00f5 r\u00e0ng v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1\u201d, nh\u1ea5n m\u1ea1nh \u0111i\u1ec1u n\u00e0y, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c gi\u1ea3 s\u1eed: Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng khi kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, c\u1ea3m th\u1ea5y v\u00f4 l\u00fd khi ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t qu\u00e1 cao, th\u00ec s\u1ebd c\u0103n c\u1ee9 v\u00e0o \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2016 \u0111\u1ec3 ki\u1ec7n c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. V\u1eady nh\u01b0ng, v\u1edbi tr\u01b0\u1eddng h\u1ee3p n\u00e0y n\u1ebfu chi\u1ebfu theo quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay th\u00ec doanh nghi\u1ec7p s\u1ebd d\u1ef1a v\u00e0o Lu\u1eadt c\u00e1c TCTD \u0111\u1ec3 ch\u1ee9ng minh t\u00ednh \u0111\u00fang \u0111\u1eafn trong c\u00e1c giao d\u1ecbch c\u1ee7a m\u00ecnh.<\/em><\/p>\n

\u201cB\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i ch\u1ec9 l\u00e0 b\u1ed9 khung t\u1ea7m v\u0129 m\u00f4, \u0111\u1ec3 b\u1ed9 lu\u1eadt th\u1ef1c s\u1ef1 \u0111i v\u00e0o cu\u1ed9c s\u1ed1ng th\u00ec nh\u1ea5t thi\u1ebft c\u00e1c ban ng\u00e0nh ch\u1ee9c n\u0103ng, m\u00e0 c\u1ee5 th\u1ec3 \u1edf \u0111\u00e2y l\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea7n s\u1edbm ban h\u00e0nh v\u0103n b\u1ea3n ho\u1eb7c th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn, trong \u0111\u00f3 kh\u1eb3ng \u0111\u1ecbnh r\u00f5: C\u00e1c TCTD v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4 s\u1ebd kh\u00f4ng ph\u1ea3i ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt c\u00e1c TCTD v\u00e0 Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i. \u201cKhi th\u1ecb tr\u01b0\u1eddng th\u1ef1c s\u1ef1 c\u1ea1nh tranh, s\u00f2ng ph\u1eb3ng th\u00ec l\u00e3i su\u1ea5t do m\u1eb7t b\u1eb1ng th\u1ecb tr\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh l\u00e0 l\u00e3i su\u1ea5t h\u1ee3p l\u00fd nh\u1ea5t\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c nh\u1ea5n m\u1ea1nh th\u00eam.<\/em><\/p>\n

Nh\u01b0 v\u1eady c\u00f3 th\u1ec3 n\u00f3i, m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n v\u1eabn t\u1ed3n t\u1ea1i nh\u1eefng b\u0103n kho\u0103n v\u00e0 \u00e1p d\u1ee5ng lu\u1eadt nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111ang l\u00e0 \u0111i\u1ec1u c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u00f5 Nh\u01b0 v\u1eady c\u00f3 th\u1ec3 n\u00f3i, m\u1ee9c l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng hi\u1ec7n v\u1eabn t\u1ed3n t\u1ea1i nh\u1eefng b\u0103n kho\u0103n v\u00e0 \u00e1p d\u1ee5ng lu\u1eadt nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111ang l\u00e0 \u0111i\u1ec1u c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u00f5<\/p>\n

Lan H\u01b0\u01a1ng<\/strong><\/p>\n

——————————————–<\/p>\n

Nh\u00e2n D\u00e2n (Kinh t\u1ebf) 26-10-2016:<\/em><\/strong><\/p>\n

http:\/\/www.nhandan.com.vn\/kinhte\/thoi_su\/item\/31077702-moi-truong-kinh-doanh-viet-nam-tang-chin-bac.html<\/a><\/em><\/p>\n

(362\/917)<\/p>\n

 ","protected":false},"excerpt":{"rendered":"

(ND) – Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u0111ang \u201cn\u00f3ng\u201d d\u1ea7n b\u1edfi th\u1eddi kh\u1eafc th\u1ef1c thi tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i n\u0103m 2015 \u0111ang \u0111\u1ebfn g\u1ea7n. Trong \u0111\u00f3 nh\u1eefng v\u1ea5n \u0111\u1ec1 nh\u01b0: \u00c1p d\u1ee5ng lu\u1eadt n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng? T\u1ed5 ch\u1ee9c […]<\/p>\n","protected":false},"author":1,"featured_media":28779,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-28777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n1.086. \u00c1p d\u1ee5ng lu\u1eadt n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t 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\/1-086-ap-dung-luat-nao-de-xac-dinh-lai-suat-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]1.086. \u00c1p d\u1ee5ng lu\u1eadt n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t vay ti\u00eau d\u00f9ng?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ND) – Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u0111ang \u201cn\u00f3ng\u201d d\u1ea7n b\u1edfi th\u1eddi kh\u1eafc th\u1ef1c thi tr\u1ea7n l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 s\u1eeda \u0111\u1ed5i n\u0103m 2015 \u0111ang \u0111\u1ebfn g\u1ea7n. 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