{"id":29820,"date":"2015-09-14T15:31:58","date_gmt":"2015-09-14T08:31:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=29820"},"modified":"2022-06-24T15:33:27","modified_gmt":"2022-06-24T08:33:27","slug":"779-vay-tieu-dung-hay-vay-nang-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/779-vay-tieu-dung-hay-vay-nang-lai\/","title":{"rendered":"779. Vay ti\u00eau d\u00f9ng hay vay n\u1eb7ng l\u00e3i?"},"content":{"rendered":"<strong><em>(\u0110\u0110K) &#8211; C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh qu\u1ea3ng c\u00e1o, vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t 5%\/n\u0103m, th\u1ee7 t\u1ee5c nhanh g\u1ecdn nh\u01b0ng khi kh\u00e1ch h\u00e0ng \u0111\u1eb7t b\u00fat k\u00fd m\u1edbi bi\u1ebft l\u00e3i su\u1ea5t t\u1eeb 20 &#8211; 25%\/n\u0103m, kh\u00f4ng kh\u00e1c g\u00ec \u0111i vay n\u1eb7ng l\u00e3i.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-29821 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/779-450x270.jpg\" alt=\"\" width=\"450\" height=\"270\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/779-450x270.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/779.jpg 500w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>Qu\u1ea3ng c\u00e1o vay n\u00f3ng xu\u1ea5t hi\u1ec7n tr\u00e0n lan b\u1eaby ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/em><\/p>\n<p>M\u1ed9t kh\u00e1ch h\u00e0ng t\u1ea1i Gia L\u00e2m, H\u00e0 N\u1ed9i cho bi\u1ebft, th\u00e1ng 9\/2014, ch\u1ecb k\u00fd h\u1ee3p \u0111\u1ed3ng vay 10 tri\u1ec7u \u0111\u1ed3ng v\u1edbi m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 mua m\u00e1y t\u00ednh. Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cho bi\u1ebft, l\u00e3i vay l\u00e0 2%\/th\u00e1ng, m\u00e0 h\u1ee3p \u0111\u1ed3ng l\u1ea1i ghi l\u00e0 \u201cl\u00e3i su\u1ea5t cao nh\u1ea5t l\u00e0 5%\/th\u00e1ng\u201d, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 khi\u1ebfn ch\u1ecb th\u1eafc m\u1eafc. Ph\u00eda nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n n\u00f3i \u0111\u00f3 l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t \u201ccao nh\u1ea5t\u201d ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng. Khi thanh to\u00e1n kh\u00e1ch h\u00e0ng m\u1edbi bi\u1ebft to\u00e0n b\u1ed9 ti\u1ec1n l\u00e3i c\u00e1c th\u00e1ng \u0111\u1ec1u \u0111\u01b0\u1ee3c C\u00f4ng ty t\u00ednh v\u1edbi l\u00e3i su\u1ea5t 5%\/th\u00e1ng.<\/p>\n<p>\u0110\u00f3n \u0111\u01b0\u1ee3c nhu c\u1ea7u vay v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n, th\u1eddi gian g\u1ea7n \u0111\u00e2y, m\u1ed9t s\u1ed1 c\u00f4ng ty t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng. C\u00e1c c\u00f4ng ty m\u1eddi ch\u00e0o, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t kho\u1ea3n ti\u1ec1n nhanh trong v\u00f2ng 3 \u00a0&#8211; 5 ng\u00e0y, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i s\u1ebd \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng nh\u01b0ng suy x\u00e9t k\u1ef9 th\u00ec l\u00e3i su\u1ea5t r\u1ea5t ch\u00e1t.<\/p>\n<p>Vay ti\u00eau d\u00f9ng th\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i tr\u1ea3i qua nhi\u1ec1u kh\u00e2u th\u1ee7 t\u1ee5c, kh\u00f4ng y\u00eau c\u1ea7u t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Ch\u1ec9 c\u1ea7n c\u00f3 ch\u1ee9ng minh nh\u00e2n d\u00e2n v\u00e0 h\u1ed9 kh\u1ea9u l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c duy\u1ec7t vay n\u00ean khi c\u00f3 nhu c\u1ea7u vay ti\u1ec1n, kh\u00e1ch h\u00e0ng \u0111\u1ebfn ngay v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh c\u0169ng c\u0103n c\u1ee9 v\u00e0o uy t\u00edn t\u1eebng kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u01b0a ra nh\u1eefng m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng.<\/p>\n<p>Ch\u1eb3ng h\u1ea1n C\u00f4ng ty T\u00e0i ch\u00ednh Home Credit Vi\u1ec7t Nam \u00e1p d\u1ee5ng nhi\u1ec1u m\u1ee9c l\u00e3i su\u1ea5t cho kh\u00e1ch h\u00e0ng d\u1ef1a theo l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1eb7c th\u00f9 s\u1ea3n ph\u1ea9m vay. L\u00e3i su\u1ea5t cho vay t\u1ea1i C\u00f4ng ty b\u1eaft \u0111\u1ea7u t\u1eeb 1,66%\/th\u00e1ng, t\u1ee9c g\u1ea7n 20%\/n\u0103m.<\/p>\n<p>C\u00e1c chuy\u00ean gia kinh t\u1ebf cho r\u1eb1ng, tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh vay ti\u00eau d\u00f9ng ng\u01b0\u1eddi vay c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9. N\u1ebfu v\u1ed9i v\u00e0ng, r\u1ea5t c\u00f3 th\u1ec3 kh\u00e1ch h\u00e0ng s\u1ebd b\u1ecb c\u00e0i \u201cb\u1eaby\u201d.<\/p>\n<p>Chuy\u00ean gia kinh t\u1ebf B\u00f9i Ki\u1ebfn Th\u00e0nh chia s\u1ebb v\u1edbi ph\u00f3ng vi\u00ean, vay ti\u00eau d\u00f9ng ti\u1ec7n nh\u01b0ng r\u1ea5t h\u1ea1i. Th\u00f4ng th\u01b0\u1eddng c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u1eabn ng\u00e2n h\u00e0ng \u0111\u01b0a ra l\u1eddi qu\u1ea3ng c\u00e1o, l\u00e3i su\u1ea5t 0% trong 3 &#8211; 6 th\u00e1ng \u0111\u1ea7u. C\u00e1c th\u00e1ng ti\u1ebfp theo, l\u00e3i su\u1ea5t s\u1ebd t\u00ednh theo l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng c\u1ed9ng v\u1edbi bi\u00ean \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh t\u1eeb 3 &#8211; 5%\/th\u00e1ng. Ch\u01b0a k\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng mu\u1ed1n thanh l\u00fd s\u1edbm h\u1ee3p \u0111\u1ed3ng ph\u1ea3i ch\u1ecbu ph\u00ed r\u1ea5t cao.<\/p>\n<p><em>Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n m\u00e0 NHNN c\u00f4ng b\u1ed1 n\u0103m 2010 l\u00e0 9%\/n\u0103m, c\u00f3 ngh\u0129a l\u00e3i vay kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 13,5%, song th\u1ef1c t\u1ebf, l\u00e3i vay t\u00edn ch\u1ea5p c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 l\u00ean cao v\u01b0\u1ee3t m\u1ed1c 13,5%\/ n\u0103m n\u00e0y r\u1ea5t nhi\u1ec1u. \u00a0<\/em><\/p>\n<p>Theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean, khi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1eabn c\u00f4ng ty t\u00e0i ch\u00ednh gi\u1edbi thi\u1ec7u cho kh\u00e1ch h\u00e0ng l\u00e3i su\u1ea5t g\u00f3i vay ti\u00eau d\u00f9ng, h\u1ecd th\u01b0\u1eddng chia nh\u1ecf c\u00e1c m\u1ee9c ph\u1ea3i tr\u1ea3 theo th\u00e1ng \u0111\u1ec3 ng\u01b0\u1eddi vay c\u1ea3m th\u1ea5y ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a m\u00ecnh. \u00a0N\u1ebfu t\u00ednh theo th\u00e1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u01b0\u1edfng l\u00e0 th\u1ea5p nh\u01b0ng khi c\u1ed9ng v\u00e0o c\u1ea3 n\u0103m m\u1edbi th\u1ea5y kh\u1ee7ng khi\u1ebfp: l\u00ean t\u1edbi 24% &#8211; 30%\/n\u0103m.<\/p>\n<p>C\u0169ng li\u00ean quan \u0111\u1ebfn t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, m\u1edbi \u0111\u00e2y, C\u1ee5c Qu\u1ea3n l\u00fd c\u1ea1nh tranh \u0111\u01b0a ra khuy\u1ebfn c\u00e1o, c\u01a1 quan n\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 vi\u1ec7c b\u1ecb x\u00e2m ph\u1ea1m quy\u1ec1n l\u1ee3i trong c\u00e1c giao d\u1ecbch t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng. Trong \u0111\u00f3, \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 h\u00e0nh vi nh\u00e2n vi\u00ean thu h\u1ed3i n\u1ee3 c\u00f3 d\u1ea5u hi\u1ec7u \u0111e d\u1ecda, qu\u1ea5y nhi\u1ec5u ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ng\u01b0\u1eddi th\u00e2n \u00a0trong qu\u00e1 tr\u00ecnh thu h\u1ed3i n\u1ee3.<\/p>\n<p>Trong t\u1ea5t c\u1ea3 c\u00e1c v\u1ee5 vi\u1ec7c \u0111ang \u0111\u01b0\u1ee3c C\u1ee5c Qu\u1ea3n l\u00fd c\u1ea1nh tranh xem x\u00e9t, gi\u1ea3i quy\u1ebft, ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 c\u1ea3 ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd th\u01b0\u1eddng xuy\u00ean, li\u00ean t\u1ee5c b\u1ecb c\u00e1c cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i, tin nh\u1eafn li\u00ean h\u1ec7 v\u1edbi m\u1ee5c \u0111\u00edch thu h\u1ed3i n\u1ee3. Nh\u1eefng cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i v\u00e0 tin nh\u1eafn n\u00e0y k\u00e8m theo s\u1ef1 \u0111e d\u1ecda, l\u1eddi l\u1ebd r\u1ea5t thi\u1ebfu t\u00f4n tr\u1ecdng. R\u1ea5t nhi\u1ec1u cu\u1ed9c g\u1ecdi v\u00e0 tin nh\u1eafn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n l\u00fac t\u1ed1i mu\u1ed9n v\u00e0 t\u1ea7n su\u1ea5t li\u00ean h\u1ec7 tr\u00ean d\u01b0\u1edbi 10 cu\u1ed9c\/ng\u00e0y.<\/p>\n<p>Kh\u00f4ng nh\u1eefng th\u1ebf, trong c\u00e1c giao d\u1ecbch t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, do thi\u1ebfu kinh nghi\u1ec7m n\u00ean ng\u01b0\u1eddi vay th\u01b0\u1eddng kh\u00f4ng t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. D\u1eabn \u0111\u1ebfn m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kh\u00e1 ph\u1ed5 bi\u1ebfn l\u00e0 khi ra t\u00f2a, c\u01a1 quan qu\u1ea3n l\u00fd kh\u00f3 b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi \u0111i vay.<\/p>\n<p>\u0110\u00e2y l\u00e0 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi vay do kh\u00f4ng \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd. V\u00e0 l\u1eddi khuy\u00ean t\u1ed1t nh\u1ea5t d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u vay v\u1ed1n l\u00e0 n\u00ean n\u00e2ng cao ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ec3 c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 ch\u00ednh m\u00ecnh.<\/p>\n<p><strong>H.H\u01b0\u01a1ng<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>\u0110\u1ea1i \u0111o\u00e0n k\u1ebft (KT-XH) 14-9-2015:<\/em><\/strong><\/p>\n<p><em>http:\/\/daidoanket.vn\/dan-toc\/vay-tieu-dung-hay-vay-nang-lai\/65444<\/em><\/p>\n<p>(59\/882)","protected":false},"excerpt":{"rendered":"<p>(\u0110\u0110K) &#8211; C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh qu\u1ea3ng c\u00e1o, vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t 5%\/n\u0103m, th\u1ee7 t\u1ee5c nhanh g\u1ecdn nh\u01b0ng khi kh\u00e1ch h\u00e0ng \u0111\u1eb7t b\u00fat k\u00fd m\u1edbi bi\u1ebft l\u00e3i su\u1ea5t t\u1eeb 20 &#8211; 25%\/n\u0103m, kh\u00f4ng kh\u00e1c g\u00ec \u0111i vay n\u1eb7ng l\u00e3i. Qu\u1ea3ng c\u00e1o vay n\u00f3ng xu\u1ea5t hi\u1ec7n tr\u00e0n lan b\u1eaby ng\u01b0\u1eddi ti\u00eau [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29821,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-29820","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>779. 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