{"id":29367,"date":"2015-12-18T14:23:10","date_gmt":"2015-12-18T07:23:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29367"},"modified":"2022-06-23T14:25:06","modified_gmt":"2022-06-23T07:25:06","slug":"845-tin-dung-goc-cay-va-nhung-bi-kich-khong-bao-truoc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/845-tin-dung-goc-cay-va-nhung-bi-kich-khong-bao-truoc\/","title":{"rendered":"845. ‘T\u00edn d\u1ee5ng g\u1ed1c c\u00e2y’ v\u00e0 nh\u1eefng bi k\u1ecbch kh\u00f4ng b\u00e1o tr\u01b0\u1edbc"},"content":{"rendered":"(PT) – H\u1eb1ng ng\u00e0y, \u0111i tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1, ch\u1ec9 c\u1ea7n ch\u00fa \u00fd quan s\u00e1t m\u1ed9t ch\u00fat l\u00e0 s\u1ebd nh\u00ecn th\u1ea5y ngay nh\u1eefng t\u1ea5m bi\u1ec3n d\u00e1n s\u01a1 s\u00e0i v\u00e0o nh\u1eefng g\u1ed1c c\u00e2y, c\u1ed9t \u0111i\u1ec7n, b\u1edd t\u01b0\u1eddng\u2026\u00a0<\/strong><\/p>\n

N\u1ed9i dung c\u1ee7a nh\u1eefng t\u1ea5m bi\u1ec3n \u1ea5y, c\u00f3 th\u1ec3 kh\u00f4ng m\u1ea5y \u00fd ngh\u0129a v\u1edbi nh\u1eefng ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng nh\u01b0ng l\u1ea1i tr\u1edf th\u00e0nh n\u01a1i b\u1ea5u v\u00edu cho nh\u1eefng ng\u01b0\u1eddi thi\u1ebfu th\u1ed1n, \u0111ang c\u00f3 kh\u00e1t khao, \u0111\u01b0\u1ee3c vay… ti\u1ec1n. \u0110\u00f3 l\u00e0 nh\u1eefng t\u1ea5m bi\u1ec3n qu\u1ea3ng c\u00e1o \u201ct\u00edn d\u1ee5ng kh\u00f4ng th\u1ebf ch\u1ea5p\u201d, \u201ct\u00edn d\u1ee5ng t\u00edn ch\u1ea5p\u201d v\u1edbi l\u1eddi ch\u00e0o m\u1eddi ng\u1ecdt ng\u00e0o \u201cth\u1ee7 t\u1ee5c nhanh g\u1ecdn, l\u00e3i su\u1ea5t th\u1ea5p\u201d. Nh\u01b0ng, \u201cth\u1ea5p\u201d c\u0169ng ch\u1ec9 l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m t\u01b0\u01a1ng \u0111\u1ed1i khi m\u00e0 ch\u1ea3 c\u00f3 tr\u1ea7n \u0111\u1ec3 so s\u00e1nh.<\/p>\n

Vay ti\u1ec1n b\u1eb1ng\u2026 th\u00f2ng l\u1ecdng<\/strong><\/p>\n

\u201cTh\u1ea5p\u201d c\u1ee7a \u201ct\u00edn d\u1ee5ng g\u1ed1c c\u00e2y\u201d nghe c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n: M\u1ed7i ng\u00e0y ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i 3-5 ngh\u00ecn\/1 tri\u1ec7u \u0111\u1ed3ng. Nh\u01b0ng, n\u1ebfu vay th\u00ec sau 1 n\u0103m, s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u00e3 l\u1edbn g\u1ea5p 1,5 l\u1ea7n s\u1ed1 ti\u1ec1n vay. Kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c, l\u00e3i m\u1eb9 ti\u1ebfp t\u1ee5c \u0111\u1ebb l\u00e3i con, ti\u1ec1n g\u1ed1c c\u1ed9ng l\u00e3i t\u0103ng theo c\u1ea5p s\u1ed1 nh\u00e2n, nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 vay c\u00f3 900 tri\u1ec7u \u0111\u1ed3ng m\u00e0 m\u1ea5t c\u1ea3 ng\u00f4i nh\u00e0 4 t\u1ec9.<\/p>\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
G\u1ed1c c\u00e2y, c\u1ed9t \u0111i\u1ec7n gi\u0103ng m\u1eafc qu\u1ea3ng c\u00e1o cho vay kh\u00f4ng th\u1ebf ch\u1ea5p nh\u01b0ng th\u1ef1c ch\u1ea5t l\u00e0 t\u00edn d\u1ee5ng \u0111en<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u00e0, bi k\u1ecbch sinh ra t\u1eeb \u0111\u00e2y\u2026<\/p>\n

Theo s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a \u201ct\u00edn d\u1ee5ng g\u1ed1c c\u00e2y\u201d, ch\u00fang t\u00f4i g\u1ecdi, \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 vay ti\u00eau d\u00f9ng m\u1ed9t kho\u1ea3n kho\u1ea3ng 100 tri\u1ec7u \u0111\u1ed3ng trong v\u00f2ng 3 th\u00e1ng. Ng\u01b0\u1eddi ph\u1ee5 n\u1eef tr\u1ea3 l\u1eddi m\u00e1y, th\u1eadm ch\u00ed kh\u00f4ng c\u1ea7n d\u00f2 h\u1ecfi xem ng\u01b0\u1eddi \u1edf \u0111\u1ea7u d\u00e2y b\u00ean kia l\u00e0 ai, \u1edf \u0111\u00e2u, m\u00e0 ch\u1ec9 \u0111\u00e1p m\u1ed9t c\u00e2u g\u1ecdn l\u1ecfn: \u201cC\u00f3 gi\u1ea5y t\u1edd l\u00e0 ok\u201d. Ch\u00fang t\u00f4i gi\u1ea3 b\u1ed9 ng\u1edb ng\u1ea9n: \u201cGi\u1ea5y t\u1edd g\u00ec? Gi\u1ea5y vay n\u1ee3 \u00e1?\u201d.<\/p>\n

Ng\u01b0\u1eddi ph\u1ee5 n\u1eef c\u01b0\u1eddi ha h\u1ea3 trong \u1ed1ng nghe: \u201cNg\u00e1o \u00e0? Gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, nh\u01b0 ch\u1ee9ng minh th\u01b0, h\u1ed9 kh\u1ea9u, th\u1ebb sinh vi\u00ean ch\u1eb3ng h\u1ea1n\u201d. \u201cTh\u1ee7 t\u1ee5c th\u1ebf n\u00e0o, s\u1ed5 h\u1ed9 kh\u1ea9u nh\u00e0 em \u00f4ng b\u00e0 gi\u00e0 gi\u1eef, ch\u1ee9ng minh th\u01b0 em \u0111\u00e1nh m\u1ea5t, ch\u1ec9 c\u00f3 m\u1ed7i c\u00e1i gi\u1ea5y \u0111\u0103ng k\u00fd xe \u00f4t\u00f4\u201d, t\u00f4i kh\u1ea9n kho\u1ea3n.<\/p>\n

Ng\u01b0\u1eddi ph\u1ee5 n\u1eef l\u1ea1i c\u01b0\u1eddi kh\u00f9ng kh\u1ee5c: \u201cTh\u00ec \u0111\u0103ng k\u00fd xe c\u0169ng \u0111\u01b0\u1ee3c, mang b\u1ea3n ch\u00ednh \u0111\u1ebfn \u0111\u00e2y\u201d. T\u00f4i gi\u00e3y n\u1ea3y: \u201cC\u00f3 m\u1ed7i c\u00e1i xe \u0111\u1ec3 ki\u1ebfm s\u1ed1ng, ch\u1ecb gi\u1eef th\u00ec ch\u1ebft em \u00e0?\u201d. Ng\u01b0\u1eddi ph\u1ee5 n\u1eef t\u1ecf v\u1ebb s\u1ed1t ru\u1ed9t: \u201cT\u00f4i c\u0169ng \u0111i ch\u1ebft v\u1edbi \u00f4ng th\u00f4i, t\u00f4i gi\u1eef xe c\u1ee7a \u00f4ng l\u00e0m g\u00ec! \u00d4ng vi\u1ebft gi\u1ea5y b\u00e1n xe cho t\u00f4i, gi\u00e1 100 tri\u1ec7u, ng\u00e0y giao xe ch\u00ednh l\u00e0 ng\u00e0y \u0111\u00e1o n\u1ee3. Vi\u1ebft xong t\u00f4i giao ti\u1ec1n cho \u00f4ng, xe \u00f4ng \u00f4ng v\u1eabn \u0111i, t\u00f4i ch\u1ec9 gi\u1eef c\u00e1i \u0111\u0103ng k\u00fd th\u00f4i\u201d.<\/p>\n

T\u00f4i l\u1ea1i kh\u1ea9n kho\u1ea3n: \u201cEm c\u1ea7n ti\u1ec1n th\u1eadt, nh\u01b0ng ch\u1ecb gi\u1eef \u0111\u0103ng k\u00fd xe th\u00ec kh\u00e1c n\u00e0o gi\u1eef xe c\u1ee7a em. Em l\u00e0m taxi, l\u1ee1 vi ph\u1ea1m g\u00ec, c\u00f4ng an ki\u1ec3m tra gi\u1ea5y t\u1edd th\u00ec em \u0111\u1ee9t \u00e0?\u201d. Kh\u00f4ng c\u1ea7n suy ngh\u0129, ng\u01b0\u1eddi ph\u1ee5 n\u1eef chuy\u1ec3n h\u01b0\u1edbng: \u201cTh\u00f4i \u0111\u01b0\u1ee3c, v\u1eady th\u00ec \u00f4ng t\u1edbi \u0111\u00e2y, t\u00f4i vi\u1ebft gi\u1ea5y cho \u00f4ng thu\u00ea xe, th\u1eddi h\u1ea1n tr\u1ea3 xe \u0111\u00fang v\u00e0o ng\u00e0y \u0111\u00e1o n\u1ee3, \u0111\u01b0\u1ee3c ch\u01b0a? L\u00e3i su\u1ea5t t\u00ednh theo ng\u00e0y, c\u1ee9 4 ngh\u00ecn \u0111\u1ed3ng\/1 tri\u1ec7u\/ng\u00e0y, \u00f4ng ok th\u00ec g\u1eb7p t\u00f4i, kh\u00f4ng th\u00ec th\u00f4i, m\u1ea5t th\u1eddi gi\u1edd v\u1edbi \u00f4ng qu\u00e1!\u201d.<\/p>\n

T\u00f4i bu\u00f4ng m\u00e1y, th\u1edf d\u00e0i v\u00e0 ch\u1ee3t nh\u1edb t\u1edbi c\u00e2u chuy\u1ec7n m\u00e0 m\u1ed9t lu\u1eadt s\u01b0 danh ti\u1ebfng c\u1ee7a H\u00e0 N\u1ed9i t\u1eebng k\u1ec3 cho t\u00f4i nghe. N\u1ebfu nh\u01b0 \u0111\u1ec3 vay \u0111\u01b0\u1ee3c ngu\u1ed3n v\u1ed1n t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi \u0111i vay ph\u1ea3i ho\u00e0n thi\u1ec7n \u0111\u1ee7 c\u00e1c lo\u1ea1i th\u1ee7 t\u1ee5c \u0111\u1ec3 ch\u1ee9ng minh r\u1eb1ng m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng ngu\u1ed3n ti\u1ec1n vay l\u00e0 ch\u00ednh \u0111\u00e1ng th\u00ec trong t\u00edn d\u1ee5ng \u0111en, khi xu\u1ea5t ti\u1ec1n cho vay, c\u00e1c \u00f4ng tr\u00f9m b\u1ea5t c\u1ea7n bi\u1ebft \u0111\u1ebfn \u0111i\u1ec1u \u0111\u00f3.<\/p>\n

Th\u1ee7 t\u1ee5c cho vay c\u1ee7a t\u00edn d\u1ee5ng \u0111en d\u1ec5 \u0111\u1ebfn m\u1ee9c ng\u01b0\u1eddi ta c\u00f3 c\u1ea3m gi\u00e1c ti\u1ec1n t\u1ec9 v\u1edbi c\u00e1c \u00f4ng tr\u00f9m ch\u1ec9 l\u00e0 m\u1edb gi\u1ea5y l\u1ed9n. Khi mua c\u0103n bi\u1ec7t th\u1ef1 m\u00e0 hi\u1ec7n gia \u0111\u00ecnh \u00f4ng \u0111ang \u1edf, b\u1ecb thi\u1ebfu kho\u1ea3ng h\u01a1n 1 t\u1ec9 \u0111\u1ed3ng, \u00f4ng \u0111\u00e3 t\u00ecm \u0111\u1ebfn t\u00edn d\u1ee5ng \u0111en. V\u00e0, ng\u1ea1c nhi\u00ean l\u00e0 ch\u1ec9 c\u1ea7n \u0111\u00fang 1 t\u1ea5m gi\u1ea5y ch\u1ee9ng minh nh\u00e2n d\u00e2n v\u00e0 1 t\u1edd gi\u1ea5y vi\u1ebft tay nh\u1eadn n\u1ee3, ngay l\u1eadp t\u1ee9c \u00f4ng nh\u1eadn v\u1ec1 s\u1ed1 ti\u1ec1n 1 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

Th\u1ee7 t\u1ee5c ch\u1ec9 di\u1ec5n ra trong v\u00f2ng 10 ph\u00fat. T\u1ea5t nhi\u00ean, l\u1ee3i bao gi\u1edd c\u0169ng \u0111i c\u00f9ng v\u1edbi h\u1ea1i, l\u00e3i su\u1ea5t vay c\u1ee7a t\u00edn d\u1ee5ng \u0111en l\u00e0 l\u00e3i su\u1ea5t t\u00ednh theo ng\u00e0y v\u00e0 g\u1ea5p kho\u1ea3ng ch\u1ee5c l\u1ea7n ng\u00e2n h\u00e0ng. \u0110\u00fang 1 th\u00e1ng sau, \u00f4ng tr\u1ea3, x\u00f3t xa k\u00e8m theo kho\u1ea3n ti\u1ec1n l\u00e3i kh\u1ed5ng l\u1ed3 v\u00e0 m\u1ecdi vi\u1ec7c su\u00f4n s\u1ebb, an b\u00ecnh.<\/p>\n

Nh\u01b0ng \u0111\u00f3 m\u1edbi ch\u1ec9 l\u00e0 m\u1ed9t n\u1eeda s\u1ef1 th\u1eadt v\u1ec1 t\u00edn d\u1ee5ng \u0111en. Ch\u1ec9 m\u00e3i \u0111\u1ebfn sau n\u00e0y, khi tham gia t\u01b0 v\u1ea5n cho m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c c\u00f3 li\u00ean quan \u0111\u1ebfn n\u00f3, \u00f4ng m\u1edbi hi\u1ec3u ra m\u1ed9t n\u1eeda s\u1ef1 th\u1eadt kinh ho\u00e0ng kia. \u0110\u00f3 l\u00e0 nh\u1eefng b\u1ea3n h\u1ee3p \u0111\u1ed3ng \u00e9p ch\u1ebft. L\u00e0 m\u1ea1ng s\u1ed1ng c\u1ee7a con n\u1ee3 ch\u1ec9 b\u00e9 b\u1eb1ng s\u1ee3i t\u00f3c d\u01b0\u1edbi b\u00e0n tay \u0111\u00e2m thu\u00ea ch\u00e9m m\u01b0\u1edbn c\u1ee7a nh\u1eefng k\u1ebb \u0111\u00f2i n\u1ee3 thu\u00ea.<\/p>\n

Ngay t\u1ea1i H\u00e0 N\u1ed9i, m\u1ed9t con n\u1ee3 \u0111\u00e3 ph\u1ea3i treo c\u1ed5 t\u1ef1 v\u1eabn t\u1ea1i ng\u00f4i nh\u00e0 c\u1ee7a ch\u1ee7 n\u1ee3 b\u1edfi ch\u1ec9 c\u00f3 c\u00e1i ch\u1ebft m\u1edbi gi\u00fap \u00f4ng tho\u00e1t kh\u1ecfi c\u00e1i th\u00f2ng l\u1ecdng l\u00e3i su\u1ea5t kh\u1ee7ng \u0111\u00e3 b\u1ecb tr\u00f2ng v\u00e0o c\u1ed5. Ng\u01b0\u1eddi \u0111\u00e0n \u00f4ng b\u1ea5t h\u1ea1nh \u1ea5y l\u00e0 H nh\u00e0 \u1edf Thanh Xu\u00e2n B\u1eafc. Do c\u1ea7n ti\u1ec1n l\u00e0m \u0103n n\u00ean \u00f4ng \u0111\u00e3 vay c\u1ee7a v\u1ee3 ch\u1ed3ng V\u0169 Minh Tr\u00ed v\u00e0 Tr\u01b0\u01a1ng Kim Dung \u1edf Th\u00e1i H\u00e0 s\u1ed1 ti\u1ec1n 460 tri\u1ec7u \u0111\u1ed3ng. Nh\u01b0ng v\u1edbi l\u00e3i su\u1ea5t kh\u1ee7ng ph\u1ea3i tr\u1ea3 m\u00e0 \u00edt l\u00e2u sau, kho\u1ea3n n\u1ee3 \u1ea5y \u0111\u00e3 l\u00ean t\u1edbi 1,5 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

Kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3, \u00f4ng H b\u1ecf tr\u1ed1n nh\u01b0ng ch\u1ec9 m\u1ed9t th\u1eddi gian ng\u1eafn l\u00e0 b\u1ecb b\u1ecdn giang h\u1ed3 b\u1eaft v\u1ec1 v\u00e0 \u00f4ng b\u1ecb \u00e9p ph\u1ea3i g\u00e1n n\u1ee3 cho ch\u00fang ng\u00f4i nh\u00e0 \u1edf Thanh Xu\u00e2n B\u1eafc. Ng\u00f4i nh\u00e0 \u0111\u00f3 sau n\u00e0y b\u1ecdn ch\u00fang \u0111\u00e3 b\u00e1n \u0111i \u0111\u01b0\u1ee3c 1,7 t\u1ec9 \u0111\u1ed3ng nh\u01b0ng vi\u1ec7n l\u00fd do trong th\u1eddi gian \u00f4ng H tr\u1ed1n n\u1ee3, b\u1ecdn ch\u00fang \u0111\u00e3 ph\u1ea3i \u0111i vay ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t cao \u0111\u1ec3 tr\u1ea3 b\u00f9 cho nh\u1eefng kho\u1ea3n n\u1ee3 \u0111\u00f3 n\u00ean d\u00f9 \u0111\u00e3 g\u00e1n nh\u00e0 nh\u01b0ng \u00f4ng v\u1eabn c\u00f2n n\u1ee3 ch\u00fang 1,1 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

\u0110\u1ec3 \u00e9p tr\u1ea3, ch\u00fang \u0111\u00e3 b\u1eaft \u00f4ng v\u1ec1 giam l\u1ecfng \u1edf Th\u00e1i H\u00e0 v\u00e0 \u00f4ng \u0111\u00e3 ph\u1ea3i th\u1eaft c\u1ed5 t\u1ef1 v\u1eabn t\u1ea1i \u0111\u00e2y.<\/p>\n

C\u00f2n n\u1eefa, \u0111\u00e2y l\u00e0 m\u1ed9t c\u00e2u chuy\u1ec7n \u0111au l\u00f2ng kh\u00e1c c\u1ee7a m\u1ed9t ng\u01b0\u1eddi ph\u1ee5 n\u1eef. Ch\u1ecb kh\u00f4ng d\u00e1m xu\u1ea5t hi\u1ec7n tr\u00ean truy\u1ec1n th\u00f4ng m\u00e0 ch\u1ec9 d\u00e1m trao \u0111\u1ed5i v\u1edbi ch\u00fang t\u00f4i qua \u0111i\u1ec7n tho\u1ea1i. Qu\u00ea \u1edf g\u1ea7n H\u00e0 N\u1ed9i, ch\u1ecb ch\u1ec9 bu\u00f4n b\u00e1n nh\u1ecf nh\u01b0ng nh\u1edd ch\u0103m ch\u1ec9 l\u00e0m \u0103n, sau nhi\u1ec1u n\u0103m t\u00edch c\u00f3p, v\u1ee3 ch\u1ed3ng ch\u1ecb \u0111\u00e3 mua \u0111\u01b0\u1ee3c 2 ng\u00f4i nh\u00e0 \u1edf H\u00e0 N\u1ed9i. Nh\u00e0 trong ng\u00f5, nh\u1ecf th\u00f4i nh\u01b0ng do gi\u00e1 c\u1ea3 nh\u00e0 \u0111\u1ea5t \u1edf H\u00e0 N\u1ed9i \u0111\u1eaft \u0111\u1ecf m\u00e0 c\u1ea3 hai ng\u00f4i nh\u00e0 \u0111\u00f3 \u01b0\u1edbc t\u00ednh v\u1edbi th\u1eddi gi\u00e1 hi\u1ec7n nay kho\u1ea3ng 4 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

Nh\u01b0ng do v\u00e0o th\u1eddi \u0111i\u1ec3m mua nh\u00e0, ng\u01b0\u1eddi kh\u00f4ng c\u00f3 h\u1ed9 kh\u1ea9u \u1edf H\u00e0 N\u1ed9i kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ee9ng t\u00ean s\u1ed5 \u0111\u1ecf n\u00ean ch\u1ecb \u0111\u00e3 nh\u1edd anh trai ru\u1ed9t l\u00e0 T nh\u00e0 \u1edf T\u1eeb Li\u00eam \u0111\u1ee9ng t\u00ean s\u1ed5 \u0111\u1ecf gi\u00fap. Th\u1ebf n\u00ean, tr\u00ean gi\u1ea5y t\u1edd th\u00ec ch\u1ee7 s\u1edf h\u1eefu c\u1ea3 ng\u00f4i nh\u00e0 \u0111\u00f3 l\u00e0 anh T.<\/p>\n

V\u00e0o th\u00e1ng 8 v\u00e0 th\u00e1ng 10-2009, do c\u1ea7n ti\u1ec1n, anh T \u0111\u00e3 2 l\u1ea7n vay c\u1ee7a m\u1ed9t ng\u01b0\u1eddi t\u00ean l\u00e0 B gi\u00e1m \u0111\u1ed1c m\u1ed9t c\u00f4ng ty TNHH t\u1ea1i H\u00e0 N\u1ed9i t\u1ed5ng s\u1ed1 ti\u1ec1n 900 tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t kh\u1ee7ng, th\u1ebf ch\u1ea5p b\u1eb1ng s\u1ed5 \u0111\u1ecf c\u1ee7a 2 ng\u00f4i nh\u00e0 n\u00f3i tr\u00ean. Vi\u1ec7c n\u00e0y ch\u1ecb kh\u00f4ng bi\u1ebft v\u00ec T gi\u1ea5u k\u00edn.<\/p>\n

\u0110\u1ea7u n\u0103m 2010, do kh\u00f4ng c\u00f3 ti\u1ec1n tr\u1ea3 n\u1ee3, T b\u1ecf tr\u1ed1n. Ch\u1ecb k\u1ec3: \u201cB \u0111\u00e3 s\u1eed d\u1ee5ng b\u1ecdn giang h\u1ed3 \u0111\u1ec3 truy l\u00f9ng anh t\u00f4i n\u00ean ch\u1ec9 \u00edt l\u00e2u sau l\u00e0 anh t\u00f4i b\u1ecb b\u1eaft. H\u1ecd \u00e9p anh t\u00f4i ph\u1ea3i k\u00fd th\u00eam m\u1ed9t h\u1ee3p \u0111\u1ed3ng vay 1 t\u1ec9 208 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec1 ng\u00e0y 22-3-2010.<\/p>\n

Anh t\u00f4i n\u00f3i th\u1ef1c ch\u1ea5t \u0111\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i kh\u1ee7ng m\u00e0 \u0111\u1ebfn ng\u00e0y \u0111\u00f3 anh t\u00f4i c\u00f2n n\u1ee3 ch\u01b0a tr\u1ea3\u201d. Ch\u1ecb \u0111au x\u00f3t n\u00f3i trong n\u01b0\u1edbc m\u1eaft: \u201cNh\u01b0 v\u1eady, v\u1edbi 900 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n g\u1ed1c, t\u00ednh b\u00ecnh qu\u00e2n \u0111\u1ebfn th\u00e1ng 3-2010 ri\u00eang s\u1ed1 ti\u1ec1n l\u00e3i m\u00e0 anh t\u00f4i ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng \u0111\u00e3 l\u00ean t\u1edbi 240 tri\u1ec7u \u0111\u1ed3ng\u201d.<\/p>\n

Hi\u1ec7n gi\u1edd, theo l\u1eddi k\u1ec3 c\u1ee7a ch\u1ecb th\u00ec sau nhi\u1ec1u l\u1ea7n th\u01b0\u01a1ng l\u01b0\u1ee3ng, B \u0111\u1ed3ng \u00fd cho gia \u0111\u00ecnh ch\u1ecb \u0111\u01b0\u1ee3c tr\u1ea3 ti\u1ec1n thay T. \u0111\u1ec3 chu\u1ed9c s\u1ed5 \u0111\u1ecf v\u1ec1. Nh\u01b0ng s\u1ed1 ti\u1ec1n m\u00e0 B \u0111\u01b0a ra qu\u00e1 l\u1edbn. T\u1eeb s\u1ed1 ti\u1ec1n vay g\u1ed1c 900 tri\u1ec7u \u0111\u1ed3ng, nay B ra gi\u00e1 ph\u1ea3i tr\u1ea3 \u0111\u1ee7 4 t\u1ec9 th\u00ec m\u1edbi tr\u1ea3 l\u1ea1i gi\u1ea5y t\u1edd nh\u00e0. Gia \u0111\u00ecnh ch\u1ecb \u0111\u00e3 nhi\u1ec1u l\u1ea7n xin x\u1ecf \u0111\u1ec3 \u0111\u01b0\u1ee3c tr\u1ea3 2 t\u1ec9 \u0111\u1ed3ng nh\u01b0ng B nh\u1ea5t \u0111\u1ecbnh kh\u00f4ng nghe. Hai ng\u00f4i nh\u00e0 \u0111\u00f3, hi\u1ec7n B \u0111\u00e3 cho ng\u01b0\u1eddi v\u00e0o \u1edf.<\/p>\n

Theo th\u00f4ng tin m\u00e0 ch\u00fang t\u00f4i t\u1ed5ng h\u1ee3p \u0111\u01b0\u1ee3c th\u00ec \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng \u0111en, khi xu\u1ea5t ti\u1ec1n cho vay, c\u00e1c \u00f4ng tr\u00f9m th\u01b0\u1eddng kh\u00e1 ch\u1eb7t ch\u1ebd v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd. Ng\u01b0\u1eddi vay th\u01b0\u1eddng ph\u1ea3i k\u00fd v\u00e0o m\u1ed9t trong c\u00e1c gi\u1ea5y t\u1edd sau \u0111\u00e2y:<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c m\u00f3n vay l\u1edbn, t\u1eeb kho\u1ea3ng v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean, ng\u01b0\u1eddi vay n\u1ebfu c\u00f3 nh\u00e0 \u0111\u1ea5t ho\u1eb7c xe \u00f4t\u00f4 th\u00ec ph\u1ea3i k\u00fd gi\u1ea5y \u1ee7y quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n cho c\u00e1c \u00f4ng tr\u00f9m ho\u1eb7c k\u00fd gi\u1ea5y b\u00e1n \u0111\u1ee9t t\u00e0i s\u1ea3n \u0111\u00f3. Khi n\u00e0o tr\u1ea3 xong n\u1ee3 th\u00ec \u201cx\u00e9 gi\u1ea5y\u201d.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c m\u00f3n vay nh\u1ecf h\u01a1n m\u00e0 ng\u01b0\u1eddi vay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec h\u1ecd s\u1ebd ph\u1ea3i k\u00fd m\u1ed9t h\u1ee3p \u0111\u1ed3ng ho\u1eb7c thu\u00ea \u00f4t\u00f4, thu\u00ea m\u00e1y t\u00ednh, thu\u00ea xe m\u00e1y. Th\u1eddi h\u1ea1n thu\u00ea \u0111\u00fang b\u1eb1ng th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf th\u00ec c\u00e1c t\u00e0i s\u1ea3n \u0111\u00f3 ch\u1ec9 tr\u00ean gi\u1ea5y t\u1edd, kh\u00f4ng c\u00f3 th\u1eadt. N\u00f3 ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb l\u00e0 b\u1eb1ng ch\u1ee9ng \u0111\u1ec3 c\u00e1c ch\u1ee7 n\u1ee3 xi\u1ebft n\u1ee3 m\u00e0 th\u00f4i!<\/p>\n

V\u1ee5 m\u1ed9t n\u1eef sinh vi\u00ean \u1edf m\u1ed9t tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc tr\u00ean \u0111\u1ecba b\u00e0n C\u1ea7u Gi\u1ea5y do v\u01b0\u1edbng b\u1eaby t\u00edn d\u1ee5ng \u0111en m\u00e0 ph\u1ea3i d\u00e0n c\u1ea3nh v\u1edd b\u1ecb b\u1eaft c\u00f3c t\u1ed1ng ti\u1ec1n cha m\u1eb9 \u0111\u1ec3 l\u1ea5y ti\u1ec1n tr\u1ea3 n\u1ee3 l\u00e0 m\u1ed9t v\u00ed d\u1ee5. Do thi\u1ebfu hi\u1ec3u bi\u1ebft, em \u0111\u00e3 b\u1ecb d\u1ee5 v\u00e0o m\u1ed9t \u0111\u01b0\u1eddng d\u00e2y b\u00e1n h\u00e0ng \u0111a c\u1ea5p.<\/p>\n

\u0110\u1ec3 em c\u00f3 ti\u1ec1n mua h\u00e0ng, \u0111\u00e1m c\u00f2 m\u1ed3i \u0111\u00e3 d\u1eabn em \u0111\u1ebfn g\u1eb7p t\u00edn d\u1ee5ng \u0111en. Em \u0111\u00e3 ph\u1ea3i k\u00fd m\u1ed9t b\u1ea3n h\u1ee3p \u0111\u1ed3ng thu\u00ea nhi\u1ec1u m\u00e1y t\u00ednh x\u00e1ch tay v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1eb1ng \u0111\u00fang s\u1ed1 ti\u1ec1n b\u1ecdn ch\u00fang cho em vay. Sau n\u00e0y, l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con, kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3, em \u0111\u00e3 ph\u1ea3i l\u1eeba d\u1ed1i cha m\u1eb9 \u1edf qu\u00ea \u0111\u1ec3 l\u1ea5y ti\u1ec1n b\u1eb1ng m\u00e0n k\u1ecbch b\u1ea5t \u0111\u1eafc d\u0129 kia.<\/p>\n

Cay \u0111\u1eafng h\u01a1n, c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay khi \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3 m\u00e0 kh\u00f4ng c\u00f3, t\u00edn d\u1ee5ng \u0111en c\u00f2n \u00e9p h\u1ecd mang h\u1ed9 kh\u1ea9u c\u1ee7a gia \u0111\u00ecnh ra c\u1eeda hi\u1ec7u thu\u00ea \u00f4t\u00f4, thu\u00ea \u0111\u1ea1i 1 chi\u1ebfc \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 con n\u1ee3 l\u1ea1i ph\u1ea3i mang xe ra hi\u1ec7u c\u1ea7m \u0111\u1ed3 kh\u00e1c c\u1ea7m c\u1ed1 l\u1ea5y ti\u1ec1n \u0111\u1ec3 tr\u1ea3 l\u00e3i cho ch\u1ee7 n\u1ee3. V\u1eady l\u00e0 con n\u1ee3 \u0111\u00e3 ph\u1ea3i g\u00e1nh l\u00e3i su\u1ea5t kh\u1ee7ng c\u1ee7a ch\u1ee7 n\u1ee3 l\u1ea1i c\u00f2n ph\u1ea3i c\u00f5ng th\u00eam l\u00e3i su\u1ea5t kh\u1ee7ng c\u1ee7a c\u1ea7m \u0111\u1ed3 n\u1eefa.<\/p>\n

Khuynh gia b\u1ea1i s\u1ea3n v\u00ec l\u00e3i su\u1ea5t kh\u1ee7ng<\/strong><\/p>\n

Theo t\u00ecm hi\u1ec3u c\u1ee7a ch\u00fang t\u00f4i th\u00ec tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng \u0111en hi\u1ec7n nay, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y v\u1edbi m\u1ee9c ph\u1ed5 bi\u1ebfn l\u00e0 t\u1eeb 3-5 ngh\u00ecn \u0111\u1ed3ng\/1 tri\u1ec7u \u0111\u1ed3ng. Nh\u01b0 v\u1eady, n\u1ebfu vay 100 tri\u1ec7u \u0111\u1ed3ng th\u00ec m\u1ed7i ng\u00e0y t\u00ednh ri\u00eang ti\u1ec1n l\u00e3i \u0111\u00e3 ph\u1ea3i tr\u1ea3 300-500 ngh\u00ecn \u0111\u1ed3ng, m\u1ed7i m\u1ed9t th\u00e1ng ph\u1ea3i tr\u1ea3 l\u00e3i t\u1eeb 9 \u0111\u1ebfn 15 tri\u1ec7u \u0111\u1ed3ng. Sau m\u1ed9t n\u0103m th\u00ec s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u00e3 l\u1edbn g\u1ea5p 1,5 l\u1ea7n s\u1ed1 ti\u1ec1n vay. C\u1ee9 th\u1ebf, l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con, l\u00e3i ch\u1ed3ng l\u00e3i ch\u1ea5t l\u00ean \u0111\u1ea7u con n\u1ee3. Kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c ti\u1ec1n th\u00ec con n\u1ee3, kh\u00f4ng c\u00f2n c\u00e1ch n\u00e0o kh\u00e1c s\u1ebd\u00a0 ph\u1ea3i g\u00e1n nh\u00e0.<\/p>\n

Tu\u1ea5n \u201cth\u1ea7n \u0111\u00e8n\u201d l\u00e0 m\u1ed9t tr\u00f9m cho vay n\u1eb7ng l\u00e3i \u1edf Thanh H\u00f3a \u0111\u00e3 b\u1ecb \u0111\u01b0a ra x\u00e9t x\u1eed l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 \u0111\u1ed9 d\u00e3 man c\u1ee7a c\u00e1i g\u1ecdi l\u00e0 ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t. Ch\u1ec9 \u0111\u01a1n c\u1eed m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay c\u0169ng \u0111\u1ee7 th\u1ea5y s\u1ef1 h\u00e3i h\u00f9ng c\u1ee7a \u201cl\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en\u201d. Anh T, gi\u00e1m \u0111\u1ed1c m\u1ed9t c\u00f4ng ty t\u01b0 nh\u00e2n t\u1ea1i Thanh H\u00f3a do c\u1ea7n v\u1ed1n l\u00e0m \u0103n n\u0103m 2009 \u0111\u00e3 vay c\u1ee7a ch\u1ecb g\u00e1i Tu\u1ea5n \u201cth\u1ea7n \u0111\u00e8n\u2019 2 t\u1ec9 \u0111\u1ed3ng.<\/p>\n

M\u1eb7c d\u00f9 sau \u0111\u00f3, anh T \u0111\u00e3 ph\u1ea3i b\u00e1n nh\u00e0 v\u00e0 vay m\u01b0\u1ee3n th\u00eam \u0111\u1ec3 tr\u1ea3 n\u1ee3 3,3 t\u1ec9 \u0111\u1ed3ng nh\u01b0ng do s\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u \u0111\u00e3 b\u1ecb \u0111\u1ed9i l\u00ean b\u1edfi l\u00e3i su\u1ea5t kh\u1ee7ng n\u00ean ng\u1ea7n \u1ea5y ti\u1ec1n tr\u1ea3 v\u1eabn ch\u01b0a \u0111\u1ee7. Cho \u0111\u1ebfn th\u00e1ng 4-2012, theo c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 c\u1ee7a t\u00edn d\u1ee5ng \u0111en th\u00ec s\u1ed1 ti\u1ec1n vay c\u1ee7a anh T \u0111\u00e3 l\u00ean t\u1edbi\u2026 8 t\u1ec9 \u0111\u1ed3ng, g\u1ea5p h\u01a1n 5 l\u1ea7n s\u1ed1 ti\u1ec1n vay g\u1ed1c ban \u0111\u1ea7u.<\/p>\n

Do b\u1ecb \u00e9p tr\u1ea3 s\u1ed1 ti\u1ec1n qu\u00e1 l\u1edbn n\u00ean anh T kh\u00f4ng th\u1ec3 xoay \u0111\u01b0\u1ee3c \u0111\u1ec3 tr\u1ea3, \u0111\u00e0nh ph\u1ea3i kh\u1ea5t l\u1ea7n. V\u00ec th\u1ebf, anh \u0111\u00e3 b\u1ecb Tu\u1ea5n \u201cth\u1ea7n \u0111\u00e8n\u201d c\u00f9ng \u0111\u1ed3ng b\u1ecdn \u0111\u1ebfn t\u1eadn tr\u1ee5 s\u1edf c\u00f4ng ty uy hi\u1ebfp, \u0111\u00e1nh \u0111\u1eadp.<\/p>\n

C\u00f4ng an m\u1ed9t t\u1ec9nh ph\u00eda nam \u0111\u00e3 t\u1eebng b\u1eaft gi\u1eef m\u1ed9t tr\u00f9m t\u00edn d\u1ee5ng \u0111en chuy\u00ean cho c\u00f4ng nh\u00e2n c\u00e1c khu c\u00f4ng nghi\u1ec7p vay c\u00e1c m\u00f3n ti\u1ec1n nh\u1ecf. G\u1ecdi l\u00e0 t\u00edn d\u1ee5ng ki\u1ec3u \u201cc\u00f2 con\u201d th\u00f4i nh\u01b0ng l\u00e3i su\u1ea5t th\u00ec th\u1ef1c s\u1ef1 l\u00e0 \u201ch\u00e0ng kh\u1ee7ng\u201d: th\u01b0\u1eddng kho\u1ea3ng 20% m\u1ed7i th\u00e1ng.<\/p>\n

M\u1ed7i kho\u1ea3n vay, t\u00f9y theo th\u1ecfa thu\u1eadn s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 d\u1ea7n trong 3 th\u00e1ng, 6 th\u00e1ng ho\u1eb7c l\u00e2u h\u01a1n n\u1eefa. \u0110\u1ec3 vay \u0111\u01b0\u1ee3c ti\u1ec1n, c\u00f4ng nh\u00e2n ph\u1ea3i giao cho tr\u00f9m th\u1ebb ATM, h\u1eb1ng th\u00e1ng khi c\u00f4ng nh\u00e2n c\u00f3 l\u01b0\u01a1ng, tr\u00f9m s\u1ebd r\u00fat th\u1ebb. S\u1ed1 ti\u1ec1n r\u00fat m\u1ed7i l\u1ea7n bao g\u1ed3m m\u1ed9t ph\u1ea7n ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i.<\/p>\n

Do l\u00e3i su\u1ea5t qu\u00e1 cao n\u00ean c\u00f3 c\u00f4ng nh\u00e2n ch\u1ec9 vay c\u00f3 2 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng ph\u1ea3i tr\u1ea3 t\u1edbi 19 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i. Ho\u1eb7c c\u00f3 c\u00f4ng nh\u00e2n ch\u1ec9 vay c\u00f3 5 tri\u1ec7u \u0111\u1ed3ng nh\u01b0ng ph\u1ea3i tr\u1ea3 t\u1edbi 48 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n l\u00e3i.<\/p>\n

Th\u1ebf cho n\u00ean, m\u1ed9t khi \u0111\u00e3 v\u01b0\u1edbng v\u00e0o b\u1eaby t\u00edn d\u1ee5ng \u0111en th\u00ec con n\u1ee3 ch\u1ec9 c\u00f3 n\u01b0\u1edbc khuynh gia b\u1ea1i s\u1ea3n. Ti\u1ebfc r\u1eb1ng, nhi\u1ec1u con n\u1ee3 khi nh\u1eadn ra th\u00ec \u0111\u00e3 mu\u1ed9n v\u00e0 h\u1ecd kh\u00f4ng c\u00f3 c\u00e1ch n\u00e0o kh\u00e1c ph\u1ea3i g\u00e1nh ch\u1ecbu m\u1ecdi b\u1ecb k\u1ecbch.<\/p>\n

Th\u1ee7 \u0111o\u1ea1n l\u00e1ch lu\u1eadt<\/strong><\/p>\n

Ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 tr\u00ean tay m\u1ed9t s\u1ed1 b\u1ea3n h\u1ee3p \u0111\u1ed3ng do c\u00e1c n\u1ea1n nh\u00e2n c\u1ee7a t\u00edn d\u1ee5ng \u0111en cung c\u1ea5p v\u00e0 nh\u1eadn ra r\u1eb1ng, ng\u01b0\u1eddi vay \u0111\u00e3 b\u1ecb d\u1ed3n v\u00e0o \u0111\u01b0\u1eddng c\u00f9ng ngay t\u1eeb b\u1ea3n h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7u ti\u00ean n\u00e0y. Trong c\u00e1c b\u1ea3n h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 vay v\u1ed1n, \u01b0u th\u1ebf tuy\u1ec7t \u0111\u1ed1i bao gi\u1edd c\u0169ng thu\u1ed9c v\u1ec1 ch\u1ee7 n\u1ee3.<\/p>\n

Trong \u0111\u00f3, c\u00f3 \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh: \u201c\u0110\u1ebfn h\u1ea1n thanh to\u00e1n n\u1ebfu b\u00ean B kh\u00f4ng thanh to\u00e1n cho b\u00ean A s\u1ed1 ti\u1ec1n \u0111\u00e3 vay th\u00ec b\u00ean B t\u1ef1 nguy\u1ec7n \u0111\u1ec3 b\u00ean A \u0111\u01b0\u1ee3c quy\u1ec1n s\u1eed d\u1ee5ng bi\u1ec7n ph\u00e1p t\u1ecbch thu v\u00e0 thanh l\u00fd t\u00e0i s\u1ea3n c\u1ee7a b\u00ean B \u0111\u1ec3 thu h\u1ed3i v\u1ed1n g\u1ed3m: ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i. Vi\u1ec7c \u0111\u1ecbnh gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n b\u1ecb t\u1ecbch thu do b\u00ean A s\u1ebd quy\u1ebft \u0111\u1ecbnh\u201d.<\/p>\n

C\u00f3 ngh\u0129a l\u00e0 khi ph\u1ea3i g\u00e1n n\u1ee3 b\u1eb1ng nh\u00e0 ho\u1eb7c t\u00e0i s\u1ea3n kh\u00e1c th\u00ec gi\u00e1 tr\u1ecb ho\u00e0n to\u00e0n do ph\u00eda ch\u1ee7 n\u1ee3 \u0111inh \u0111o\u1ea1t. M\u1ed9t con n\u1ee3 m\u1ea5t nh\u00e0 v\u00ec b\u1eaby t\u00edn d\u1ee5ng \u0111en \u0111\u00e3 kh\u00f3c r\u00f2ng khi k\u1ec3 l\u1ea1i c\u00e2u chuy\u1ec7n c\u1ee7a m\u00ecnh: \u201cEm c\u1ea7n ti\u1ec1n \u0111\u1ec3 m\u1edf c\u1eeda h\u00e0ng, vay 1 t\u1ec9 \u0111\u1ed3ng, th\u1ebf ch\u1ea5p b\u1eb1ng ng\u00f4i nh\u00e0 \u00f4ng b\u00e0 gi\u00e0 \u0111ang \u1edf. Kinh doanh thua l\u1ed7, kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3, c\u1ee9 th\u1ebf l\u00e3i m\u1eb9 \u0111\u1ebb l\u00e3i con.<\/p>\n

S\u1ed1 ti\u1ec1n vay \u0111\u1ed9i l\u00ean th\u00e0nh g\u1ea7n 2,8 t\u1ec9. Nh\u00e0 \u1edf m\u1eb7t ng\u00f5, \u00f4t\u00f4 nh\u1ecf \u0111\u1ed7 \u0111\u01b0\u1ee3c, r\u1ed9ng 47m2<\/sup>, 4 t\u1ea7ng khang trang gi\u00e1 th\u1ecb tr\u01b0\u1eddng l\u00fac \u1ea5y ph\u1ea3i 4 t\u1ec9 \u0111\u1ed3ng m\u00e0 \u0111\u00e1m ch\u1ee7 n\u1ee3 ch\u1ec9 \u0111\u1ecbnh gi\u00e1 c\u00f3 3 t\u1ec9, b\u1eb1ng s\u1ed1 ti\u1ec1n vay m\u00e0 ph\u1ea7n nhi\u1ec1u trong \u0111\u00f3 l\u00e0 l\u00e3i kh\u1ee7ng. L\u00fac giao nh\u00e0, em ch\u1ec9 \u0111\u01b0\u1ee3c c\u1ea7m l\u1ea1i \u0111\u00fang 200 tri\u1ec7u \u0111\u1ed3ng, \u0111au x\u00f3t l\u1eafm m\u00e0 \u0111\u00e0nh ph\u1ea3i ch\u1ea5p nh\u1eadn\u201d.<\/p>\n

M\u1ed9t m\u00e1nh l\u1edbi n\u1eefa \u0111\u1ec3 l\u00e1ch lu\u1eadt, \u0111\u00f3 l\u00e0 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh th\u00ec ng\u01b0\u1eddi n\u00e0o cho vay v\u1edbi l\u00e3i su\u1ea5t g\u1ea5p 10 l\u1ea7n so v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i. Nh\u01b0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng \u0111en, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ng\u1ea7m, kh\u00f4ng th\u1ec3 hi\u1ec7n tr\u00ean h\u1ee3p \u0111\u1ed3ng vay m\u01b0\u1ee3n.<\/p>\n

Nh\u1eefng b\u1ea3n h\u1ee3p \u0111\u1ed3ng vay m\u01b0\u1ee3n c\u1ea7m c\u1ed1 theo ki\u1ec3u t\u00edn d\u1ee5ng \u0111en m\u00e0 ch\u00fang t\u00f4i thu th\u1eadp \u0111\u01b0\u1ee3c, trong \u0111\u00f3, ph\u1ea7n l\u00e3i su\u1ea5t b\u1ecb b\u1ecf tr\u1ed1ng, b\u00ean d\u01b0\u1edbi th\u00f2ng th\u00eam m\u1ed9t c\u00e2u nghe t\u01b0\u1edfng tho\u1ea3i m\u00e1i nh\u01b0ng th\u1ef1c ra ch\u00ednh l\u00e0 c\u00e1i b\u1eaby \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay v\u00e0 l\u00e0 m\u00e1nh l\u1edbi l\u00e1ch lu\u1eadt c\u1ee7a ch\u1ee7 n\u1ee3, nh\u01b0: \u201cL\u00e3i su\u1ea5t do b\u00ean B (t\u1ee9c con n\u1ee3) \u0111i tham kh\u1ea3o \u1edf th\u1ecb tr\u01b0\u1eddng vay v\u1ed1n v\u00e0 t\u1ef1 \u0111\u1ec1 ngh\u1ecb th\u1ecfa thu\u1eadn v\u1edbi b\u00ean A (t\u1ee9c ch\u1ee7 n\u1ee3)\u201d.<\/p>\n

Nh\u01b0ng, ngay c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea7n l\u00e3i su\u1ea5t kh\u00f4ng b\u1ecf tr\u1ed1ng vi\u1ec7c x\u1eed l\u00fd c\u0169ng c\u00f2n g\u1eb7p kh\u00f3 kh\u0103n. B\u1edfi, n\u1ebfu ch\u1ee7 n\u1ee3 ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng s\u1ed1 l\u00e3i cao g\u1ea5p 9 l\u1ea7n quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u00ec s\u1ebd kh\u00f4ng b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1, th\u1eadm ch\u00ed c\u0169ng kh\u00f4ng b\u1ecb x\u1eed l\u00fd h\u00e0nh ch\u00ednh, \u0111\u01a1n gi\u1ea3n v\u00ec ch\u01b0a c\u00f3 v\u0103n b\u1ea3n ph\u00e1p quy n\u00e0o quy \u0111\u1ecbnh.<\/p>\n

C\u00f2n n\u1eefa, theo ph\u00e2n t\u00edch c\u1ee7a Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, m\u1ed9t chuy\u00ean gia nhi\u1ec1u n\u0103m ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng th\u00ec \u0111\u1ec3 x\u1eed l\u00fd h\u00ecnh s\u1ef1 t\u1ed9i cho vay n\u1eb7ng l\u00e3i c\u00f2n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c r\u1eb1ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng cho vay n\u1eb7ng l\u00e3i ho\u1ea1t \u0111\u1ed9ng chuy\u00ean nghi\u1ec7p v\u00e0 l\u1ea5y s\u1ed1 l\u00e3i l\u00e0m ngu\u1ed3n s\u1ed1ng ch\u00ednh. Trong khi \u0111\u00f3 l\u1ea1i kh\u00f4ng \u0111\u01b0a ra kh\u00e1i ni\u1ec7m th\u1ebf n\u00e0o l\u00e0 \u201cho\u1ea1t \u0111\u1ed9ng chuy\u00ean nghi\u1ec7p v\u00e0 l\u1ea5y s\u1ed1 l\u00e3i l\u00e0m ngu\u1ed3n s\u1ed1ng ch\u00ednh\u201d.<\/em><\/p>\n

M\u1ed9t th\u1ee7 \u0111o\u1ea1n l\u00e1ch lu\u1eadt n\u1eefa m\u00e0 c\u00e1c tr\u00f9m t\u00edn d\u1ee5ng \u0111en th\u01b0\u1eddng \u00e1p d\u1ee5ng \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c cho vay n\u1eb7ng l\u00e3i, \u0111\u00f3 l\u00e0 b\u1eb1ng c\u00e1c h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0, thu\u00ea \u00f4t\u00f4.<\/p>\n

\u0110\u00e3 c\u00f3 tr\u01b0\u1eddng h\u1ee3p v\u00ec c\u1ea7n ti\u1ec1n, m\u1ed9t ng\u01b0\u1eddi l\u00e0m kinh doanh \u0111\u00e3 ph\u1ea3i vay 5 t\u1ec9 \u0111\u1ed3ng c\u1ee7a t\u00edn d\u1ee5ng \u0111en v\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 ng\u00f4i nh\u00e0 v\u1ee3 ch\u1ed3ng anh \u0111ang \u1edf. Tuy nhi\u00ean khi k\u00fd h\u1ee3p \u0111\u1ed3ng th\u00ec l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n m\u00e0 l\u00e0 h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0.<\/p>\n

\u0110\u1ec3 vay \u0111\u01b0\u1ee3c 5 t\u1ec9 anh \u0111\u00e3 ph\u1ea3i vi\u1ebft gi\u1ea5y b\u00e1n ng\u00f4i nh\u00e0 c\u1ee7a m\u00ecnh cho ch\u1ee7 n\u1ee3 v\u1edbi gi\u00e1 5 t\u1ec9 sau \u0111\u00f3 ch\u1ee7 n\u1ee3 l\u1ea1i l\u00e0m h\u1ee3p \u0111\u1ed3ng cho v\u1ee3 ch\u1ed3ng anh thu\u00ea l\u1ea1i ch\u00ednh ng\u00f4i nh\u00e0 tr\u00ean. Th\u1eddi h\u1ea1n thu\u00ea b\u1eb1ng \u0111\u00fang th\u1eddi h\u1ea1n vay n\u1ee3 v\u00e0 s\u1ed1 ti\u1ec1n thu\u00ea h\u1eb1ng th\u00e1ng b\u1eb1ng \u0111\u00fang s\u1ed1 ti\u1ec1n l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 m\u00e0 anh ph\u1ea3i tr\u1ea3.<\/p>\n

Khi c\u00f3 tranh ch\u1ea5p x\u1ea3y ra th\u00ec v\u1edbi b\u1ea3n h\u1ee3p \u0111\u1ed3ng n\u00e0y, ng\u01b0\u1eddi vay c\u1ea7m ch\u1eafc ph\u1ea7n thua. B\u1edfi, h\u1ecd kh\u00f4ng th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c r\u1eb1ng, b\u1ea3n h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 \u1ea5y l\u00e0 kh\u00f4ng c\u00f3 th\u1eadt (!).<\/p>\n

Song Thi<\/strong><\/p>\n

—————————————————<\/p>\n

Petro Times (Ph\u00e1p lu\u1eadt) 18-12-2015:<\/em><\/strong><\/p>\n

http:\/\/petrotimes.vn\/tin-dung-goc-cay-va-nhung-bi-kich-khong-bao-truoc-362406.html<\/em><\/p>\n

(89\/3.232)","protected":false},"excerpt":{"rendered":"

(PT) – H\u1eb1ng ng\u00e0y, \u0111i tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1, ch\u1ec9 c\u1ea7n ch\u00fa \u00fd quan s\u00e1t m\u1ed9t ch\u00fat l\u00e0 s\u1ebd nh\u00ecn th\u1ea5y ngay nh\u1eefng t\u1ea5m bi\u1ec3n d\u00e1n s\u01a1 s\u00e0i v\u00e0o nh\u1eefng g\u1ed1c c\u00e2y, c\u1ed9t \u0111i\u1ec7n, b\u1edd t\u01b0\u1eddng\u2026\u00a0 N\u1ed9i dung c\u1ee7a nh\u1eefng t\u1ea5m bi\u1ec3n \u1ea5y, c\u00f3 th\u1ec3 kh\u00f4ng m\u1ea5y \u00fd ngh\u0129a v\u1edbi nh\u1eefng ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng nh\u01b0ng l\u1ea1i […]<\/p>\n","protected":false},"author":1,"featured_media":29368,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n845. 'T\u00edn d\u1ee5ng g\u1ed1c c\u00e2y' v\u00e0 nh\u1eefng bi k\u1ecbch kh\u00f4ng b\u00e1o tr\u01b0\u1edbc - 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\/845-tin-dung-goc-cay-va-nhung-bi-kich-khong-bao-truoc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]845. 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