{"id":29364,"date":"2015-12-17T14:21:10","date_gmt":"2015-12-17T07:21:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29364"},"modified":"2022-06-23T19:12:49","modified_gmt":"2022-06-23T12:12:49","slug":"844-la%cc%83i-suat-vay-tieu-dung-0-co-pha%cc%89i-la-chieu-bai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/844-la%cc%83i-suat-vay-tieu-dung-0-co-pha%cc%89i-la-chieu-bai\/","title":{"rendered":"844. La\u0303i su\u00e2\u0301t vay ti\u00eau du\u0300ng 0%: Co\u0301 pha\u0309i la\u0300 \u201cchi\u00eau ba\u0300i\u201d?"},"content":{"rendered":"(CA\u0110N) – \u201cLa\u0303i su\u00e2\u0301t vay ti\u00eau du\u0300ng \u01a1\u0309 0%, kh\u00f4ng co\u0301 nghi\u0303a la\u0300 kha\u0301ch ha\u0300ng kh\u00f4ng pha\u0309i tra\u0309 m\u00f4\u0323t \u0111\u00f4\u0300ng na\u0300o khi vay\u201d. Nh\u00e2\u0301n ma\u0323nh \u0111i\u00ea\u0300u na\u0300y, gi\u01a1\u0301i chuy\u00ean gia ta\u0300i chi\u0301nh \u2013 ng\u00e2n ha\u0300ng cho r\u0103\u0300ng, m\u01b0\u0301c la\u0303i su\u00e2\u0301t 0% ma\u0300 ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh \u0111\u01b0a ra chi\u0309 ph\u00e2\u0300n na\u0300o h\u00f4\u0303 tr\u01a1\u0323 kha\u0301ch ha\u0300ng v\u00ea\u0300 la\u0303i su\u00e2\u0301t, co\u0300n ca\u0301c khoa\u0309n phi\u0301 kha\u0301c (phi\u0301 duy tri\u0300, v\u00e2\u0323n ha\u0300nh b\u00f4\u0323 ma\u0301y, phi\u0301 tra\u0309 tr\u01b0\u01a1\u0301c ha\u0323n, phi\u0301 pha\u0323t ch\u00e2\u0323m tra\u0309 la\u0303i…) thi\u0300 \u0111\u01b0\u01a1ng nhi\u00ean ng\u01b0\u01a1\u0300i ti\u00eau du\u0300ng v\u00e2\u0303n pha\u0309i chi tra\u0309 nh\u01b0 th\u00f4ng th\u01b0\u01a1\u0300ng.<\/strong><\/p>\n

Theo ph\u00e2n ti\u0301ch cu\u0309a gi\u01a1\u0301i chuy\u00ean gia trong li\u0303nh v\u01b0\u0323c ta\u0300i chi\u0301nh, v\u01a1\u0301i m\u01b0\u0301c la\u0303i su\u00e2\u0301t vay ti\u00eau du\u0300ng chi\u0309 0%, th\u00f4ng th\u01b0\u01a1\u0300ng chu\u0301ng ta se\u0303 nghi\u0303 ngay \u0111o\u0301 la\u0300 \u201cchi\u00eau ba\u0300i\u201d ma\u0300 ca\u0301c nha\u0300 sa\u0309n xu\u00e2\u0301t, nha\u0300 ph\u00e2n ph\u00f4\u0301i tung ra \u0111\u00ea\u0309 thu hu\u0301t s\u01b0\u0323 chu\u0301 y\u0301 cu\u0309a ng\u01b0\u01a1\u0300i vay mua ha\u0300ng tra\u0309 go\u0301p. Tuy nhi\u00ean, s\u01b0\u0323 th\u01b0\u0323c i\u0301t ai bi\u00ea\u0301t r\u0103\u0300ng, \u0111\u00ea\u0309 co\u0301 m\u01b0\u0301c la\u0303i su\u00e2\u0301t \u01b0u \u0111a\u0303i \u0111\u00ea\u0301n kho\u0301 ng\u01a1\u0300 na\u0300y, nhi\u00ea\u0300u nha\u0300 sa\u0309n xu\u00e2\u0301t va\u0300 nha\u0300 ph\u00e2n ph\u00f4\u0301i \u0111a\u0303 pha\u0309i chia se\u0309 l\u01a1\u0323i nhu\u00e2\u0323n cho ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh.<\/p>\n

Va\u0300 nh\u01b0 v\u00e2\u0323y, v\u01a1\u0301i nh\u01b0\u0303ng sa\u0309n ph\u00e2\u0309m la\u0303i su\u00e2\u0301t 0%, kha\u0301ch ha\u0300ng se\u0303 \u0111\u01b0\u01a1\u0323c c\u00f4ng ty ta\u0300i chi\u0301nh h\u00f4\u0303 tr\u01a1\u0323 v\u00ea\u0300 la\u0303i su\u00e2\u0301t, nghi\u0303a la\u0300 ng\u01b0\u01a1\u0300i ti\u00eau du\u0300ng se\u0303 \u0111\u01b0\u01a1\u0323c vay v\u01a1\u0301i la\u0303i su\u00e2\u0301t th\u00e2\u0301p, th\u00e2\u0323m chi\u0301 la\u0300 kh\u00f4ng pha\u0309i chi tra\u0309 m\u00f4\u0323t \u0111\u00f4\u0300ng la\u0303i su\u00e2\u0301t na\u0300o. Tuy nhi\u00ean, m\u01b0\u0301c la\u0303i su\u00e2\u0301t 0% ma\u0300 ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh \u0111\u01b0a ra chi\u0309 ph\u00e2\u0300n na\u0300o h\u00f4\u0303 tr\u01a1\u0323 kha\u0301ch ha\u0300ng v\u00ea\u0300 m\u0103\u0323t la\u0303i su\u00e2\u0301t, co\u0300n v\u01a1\u0301i ca\u0301c khoa\u0309n phi\u0301 kha\u0301c (phi\u0301 duy tri\u0300, v\u00e2\u0323n ha\u0300nh b\u00f4\u0323 ma\u0301y, phi\u0301 tra\u0309 tr\u01b0\u01a1\u0301c ha\u0323n, phi\u0301 pha\u0323t ch\u00e2\u0323m tra\u0309 la\u0303i…) thi\u0300 \u0111\u01b0\u01a1ng nhi\u00ean ng\u01b0\u01a1\u0300i ti\u00eau du\u0300ng se\u0303 v\u00e2\u0303n pha\u0309i chi tra\u0309 nh\u01b0 th\u00f4ng th\u01b0\u01a1\u0300ng.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
H\u01b0\u01a1\u0301ng d\u00e2\u0303n kha\u0301ch ha\u0300ng vay ti\u00eau du\u0300ng v\u01a1\u0301i la\u0303i su\u00e2\u0301t 0%. A\u0309nh minh ho\u0323a<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Trao \u0111\u00f4\u0309i v\u00ea\u0300 v\u00e2\u0301n \u0111\u00ea\u0300 na\u0300y, \u00f4ng Pha\u0323m Xu\u00e2n Ho\u0300e, Pho\u0301 Vi\u00ea\u0323n tr\u01b0\u01a1\u0309ng Vi\u00ea\u0323n Chi\u00ea\u0301n l\u01b0\u01a1\u0323c ng\u00e2n ha\u0300ng (Ng\u00e2n ha\u0300ng Nha\u0300 n\u01b0\u01a1\u0301c Vi\u00ea\u0323t Nam) cho r\u0103\u0300ng, vi\u00ea\u0323c \u0111\u01b0a ra la\u0303i su\u00e2\u0301t h\u00e2\u0301p d\u00e2\u0303n \u0111\u00ea\u0309 \u201cc\u00e2u kha\u0301ch\u201d la\u0300 m\u00f4\u0323t trong nh\u01b0\u0303ng c\u00e2u chuy\u00ea\u0323n ma\u0300 ca\u0301c t\u00f4\u0309 ch\u01b0\u0301c ta\u0300i chi\u0301nh cu\u0303ng nh\u01b0 doanh nghi\u00ea\u0323p s\u01b0\u0309 du\u0323ng trong qua\u0301 tri\u0300nh tri\u00ea\u0309n khai chi\u00ea\u0301n l\u01b0\u01a1\u0323c kinh doanh cu\u0309a mi\u0300nh, chi\u0301nh vi\u0300 v\u00e2\u0323y, tra\u0301ch ca\u0301c t\u00f4\u0309 ch\u01b0\u0301c ta\u0300i chi\u0301nh m\u00f4\u0323t ph\u00e2\u0300n song ba\u0309n th\u00e2n ng\u01b0\u01a1\u0300i \u0111i vay cu\u0303ng pha\u0309i la\u0300m tro\u0300n nghi\u0303a vu\u0323 cu\u0309a mi\u0300nh.<\/p>\n

B\u01a1\u0309i trong th\u01b0\u0323c t\u00ea\u0301, do s\u01b0\u0323 nhe\u0323 da\u0323 ca\u0309 tin va\u0300 thi\u00ea\u0301u hi\u00ea\u0309u bi\u00ea\u0301t cu\u0309a ng\u01b0\u01a1\u0300i vay v\u00f4\u0301n; qua\u0301 v\u00f4\u0323i va\u0303 \u0111\u00ea\u0309 \u0111\u01b0\u01a1\u0323c gia\u0309i ng\u00e2n ma\u0300 nh\u0103\u0301m m\u0103\u0301t ky\u0301 li\u00ea\u0300u h\u01a1\u0323p \u0111\u00f4\u0300ng; kh\u00f4ng ti\u0301nh toa\u0301n ki\u0301n ke\u0303 ph\u01b0\u01a1ng a\u0301n tra\u0309 n\u01a1\u0323 cu\u0303ng nh\u01b0 ti\u0300m hi\u00ea\u0309u ky\u0303 v\u00ea\u0300 la\u0303i su\u00e2\u0301t pha\u0323t khi thanh toa\u0301n g\u00f4\u0301c va\u0300 la\u0303i ch\u00e2\u0323m cu\u0303ng nh\u01b0 khi mu\u00f4\u0301n t\u00e2\u0301t toa\u0301n h\u01a1\u0323p \u0111\u00f4\u0300ng s\u01a1\u0301m… \u0111a\u0303 d\u00e2\u0303n \u0111\u00ea\u0301n kh\u00f4ng i\u0301t tr\u01b0\u01a1\u0300ng h\u01a1\u0323p \u201cl\u00f4i nhau ra to\u0300a\u201d li\u00ean quan \u0111\u00ea\u0301n vay ti\u00eau du\u0300ng trong th\u01a1\u0300i gian g\u00e2\u0300n \u0111\u00e2y, g\u00e2y kh\u00f4ng i\u0301t hi\u00ea\u0309u nh\u00e2\u0300m v\u00ea\u0300 di\u0323ch vu\u0323 vay ti\u00eau du\u0300ng la\u0300 \u201cti\u0301n du\u0323ng \u0111en\u201d.<\/p>\n

Theo Lu\u00e2\u0323t s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u01b0\u0301c, C\u00f4ng ty Lu\u00e2\u0323t ANVI, hoa\u0323t \u0111\u00f4\u0323ng cho vay hi\u00ea\u0323n nay \u0111\u01b0\u01a1\u0323c chia ra la\u0300m hai ma\u0309ng: ti\u0301n ch\u00e2\u0301p va\u0300 th\u00ea\u0301 ch\u00e2\u0301p. Vay v\u00f4\u0301n co\u0301 ta\u0300i sa\u0309n th\u00ea\u0301 ch\u00e2\u0301p \u0111\u01b0\u01a1\u0323c h\u01b0\u01a1\u0309ng la\u0303i su\u00e2\u0301t th\u00e2\u0301p h\u01a1n, trong khi vay kh\u00f4ng co\u0301 ta\u0300i sa\u0309n \u0111a\u0309m ba\u0309o la\u0303i su\u00e2\u0301t se\u0303 cao h\u01a1n va\u0300 \u0111\u01b0\u01a1\u0323c cho la\u0300 t\u01b0\u01a1ng x\u01b0\u0301ng v\u01a1\u0301i m\u01b0\u0301c \u0111\u00f4\u0323 ru\u0309i ro cu\u0309a hi\u0300nh th\u01b0\u0301c cho vay na\u0300y. Ti\u0301n du\u0323ng ti\u00eau du\u0300ng \u0111ang nga\u0300y ca\u0300ng pha\u0301t tri\u00ea\u0309n ma\u0323nh b\u01a1\u0309i thu\u0309 tu\u0323c \u0111\u01a1n gia\u0309n, kh\u00f4ng c\u00e2\u0300n ta\u0300i sa\u0309n th\u00ea\u0301 ch\u00e2\u0301p. Do v\u00e2\u0323y, \u0111\u00ea\u0309 co\u0301 th\u00ea\u0309 vay ti\u00eau du\u0300ng m\u00f4\u0323t ca\u0301ch an toa\u0300n va\u0300 hi\u00ea\u0323u qua\u0309, ng\u01b0\u01a1\u0300i vay c\u00e2\u0300n n\u0103\u0301m ro\u0303 ca\u0301c khoa\u0309n la\u0303i su\u00e2\u0301t vay c\u00f4\u0301 \u0111i\u0323nh \u0111\u00ea\u0309 co\u0301 ph\u01b0\u01a1ng a\u0301n tra\u0309 n\u01a1\u0323 phu\u0300 h\u01a1\u0323p, tra\u0301nh tr\u01b0\u01a1\u0300ng h\u01a1\u0323p vay qua\u0301 nhi\u00ea\u0300u d\u00e2\u0303n \u0111\u00ea\u0301n ti\u0300nh tra\u0323ng kh\u00f4ng tra\u0309 \u0111\u01b0\u01a1\u0323c n\u01a1\u0323, bi\u0323 pha\u0323t la\u0303i su\u00e2\u0301t qua\u0301 ha\u0323n.<\/em><\/p>\n

\u201cTr\u01b0\u01a1\u0301c khi ky\u0301 h\u01a1\u0323p \u0111\u00f4\u0300ng vay v\u00f4\u0301n, ng\u01b0\u01a1\u0300i vay ti\u00eau du\u0300ng c\u00e2\u0300n pha\u0309i ti\u0301nh toa\u0301n v\u00ea\u0300 kha\u0309 n\u0103ng thanh toa\u0301n ha\u0300ng tha\u0301ng cu\u0309a mi\u0300nh, c\u00e2\u0300n bi\u00ea\u0301t s\u00f4\u0301 ti\u00ea\u0300n pha\u0309i tra\u0309 se\u0303 chi\u00ea\u0301m bao nhi\u00eau trong thu nh\u00e2\u0323p ha\u0300ng tha\u0301ng va\u0300 co\u0301 th\u00ea\u0309 tra\u0309 ma\u0300 v\u00e2\u0303n kh\u00f4ng a\u0309nh h\u01b0\u01a1\u0309ng \u0111\u00ea\u0301n kha\u0309 n\u0103ng ta\u0300i chi\u0301nh. S\u00f4\u0301 ti\u00ea\u0300n chi tra\u0309 ha\u0300ng tha\u0301ng kh\u00f4ng n\u00ean v\u01b0\u01a1\u0323t qua\u0301 40% t\u00f4\u0309ng thu nh\u00e2\u0323p ha\u0300ng tha\u0301ng. M\u00f4\u0323t \u0111i\u00ea\u0300u ng\u01b0\u01a1\u0300i vay ti\u00eau du\u0300ng cu\u0303ng n\u00ean l\u01b0u t\u00e2m n\u01b0\u0303a \u0111o\u0301 la\u0300, ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh se\u0303 bi\u0323 thi\u00ea\u0323t, n\u00ea\u0301u kha\u0301ch ha\u0300ng ti\u00ea\u0301n ha\u0300nh t\u00e2\u0301t toa\u0301n tr\u01b0\u01a1\u0301c ha\u0323n, do \u0111o\u0301, ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh th\u01b0\u01a1\u0300ng \u0111\u01b0a ra m\u00f4\u0323t con s\u00f4\u0301 % pha\u0323t cu\u0323 th\u00ea\u0309\u201d, Lu\u00e2\u0323t s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u01b0\u0301c l\u01b0u y\u0301.<\/em><\/p>\n

To\u0301m la\u0323i, la\u0303i su\u00e2\u0301t 0% ch\u01b0a h\u0103\u0309n la\u0300 v\u00e2\u0301n \u0111\u00ea\u0300 ma\u0300 v\u00e2\u0301n \u0111\u00ea\u0300 ng\u01b0\u01a1\u0300i ti\u00eau du\u0300ng c\u00e2\u0300n thi\u00ea\u0301t pha\u0309i l\u01b0u t\u00e2m, tr\u01b0\u01a1\u0301c ti\u00ean, chi\u0301nh la\u0300 pha\u0309i \u0111o\u0323c ky\u0303 nh\u01b0\u0303ng \u0111i\u00ea\u0300u khoa\u0309n trong h\u01a1\u0323p \u0111\u00f4\u0300ng, xem xe\u0301t ph\u01b0\u01a1ng a\u0301n tra\u0309 n\u01a1\u0323 li\u00ea\u0323u co\u0301 \u0111a\u0301p \u01b0\u0301ng \u0111\u01b0\u01a1\u0323c nh\u01b0\u0303ng \u0111i\u00ea\u0300u khoa\u0309n \u0111\u0103\u0323t ra, ti\u00ea\u0301p \u0111o\u0301 m\u01a1\u0301i ti\u0301nh t\u01a1\u0301i v\u00e2\u0301n \u0111\u00ea\u0300 la\u0303i su\u00e2\u0301t \u01a1\u0309 m\u01b0\u0301c na\u0300o thi\u0300 ng\u01b0\u01a1\u0300i vay se\u0303 co\u0301 l\u01a1\u0323i?<\/p>\n

Tha\u0301i H\u0103\u0300ng<\/em><\/strong><\/p>\n

————————————————————<\/p>\n

C\u00f4ng an \u0110\u00e0 N\u1eb5ng (Th\u1ecb tr\u01b0\u1eddng) 17-12-2015:<\/em><\/strong><\/p>\n

http:\/\/www.cadn.com.vn\/news\/96_141847_la-i-sua-t-vay-tieu-du-ng-0-co-pha-i-la-chieu.aspx<\/em><\/p>\n

(270\/861)","protected":false},"excerpt":{"rendered":"

(CA\u0110N) – \u201cLa\u0303i su\u00e2\u0301t vay ti\u00eau du\u0300ng \u01a1\u0309 0%, kh\u00f4ng co\u0301 nghi\u0303a la\u0300 kha\u0301ch ha\u0300ng kh\u00f4ng pha\u0309i tra\u0309 m\u00f4\u0323t \u0111\u00f4\u0300ng na\u0300o khi vay\u201d. Nh\u00e2\u0301n ma\u0323nh \u0111i\u00ea\u0300u na\u0300y, gi\u01a1\u0301i chuy\u00ean gia ta\u0300i chi\u0301nh \u2013 ng\u00e2n ha\u0300ng cho r\u0103\u0300ng, m\u01b0\u0301c la\u0303i su\u00e2\u0301t 0% ma\u0300 ca\u0301c c\u00f4ng ty ta\u0300i chi\u0301nh \u0111\u01b0a ra chi\u0309 ph\u00e2\u0300n na\u0300o h\u00f4\u0303 tr\u01a1\u0323 kha\u0301ch […]<\/p>\n","protected":false},"author":1,"featured_media":29365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29364","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n844. 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