{"id":30754,"date":"2014-05-13T09:34:19","date_gmt":"2014-05-13T02:34:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30754"},"modified":"2022-06-30T09:36:36","modified_gmt":"2022-06-30T02:36:36","slug":"519-dinh-no-xau-vi-vay-tieu-dung-lai-suat-cat-co","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/519-dinh-no-xau-vi-vay-tieu-dung-lai-suat-cat-co\/","title":{"rendered":"519. D\u00ednh n\u1ee3 x\u1ea5u v\u00ec vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t c\u1eaft c\u1ed5"},"content":{"rendered":"<strong>(\u0110T) &#8211; Nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, nh\u01b0ng ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ec3 x\u1eed l\u00fd. Trong khi \u0111\u00f3, theo Ngh\u1ecb \u0111\u1ecbnh m\u1edbi, t\u1eeb th\u00e1ng 6\/2014, c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00eam nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng.<\/strong><\/p>\n<p><strong>B\u1ed7ng nhi\u00ean l\u1ecdt\u00a0 \u201cdanh s\u00e1ch \u0111en\u201d<\/strong><\/p>\n<p>Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean\u00a0<strong>B\u00e1o \u0110\u1ea7u t\u01b0 \u0111i\u1ec7n t\u1eed &#8211; Baodautu.vn<\/strong>, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch kh\u1ed1i b\u00e1n l\u1ebb c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng TMCP cho hay, th\u1eddi gian g\u1ea7n \u0111\u00e2y, l\u01b0\u1ee3ng h\u1ed3 s\u01a1 vay v\u1ed1n ti\u00eau d\u00f9ng t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y t\u0103ng v\u1ecdt. Tuy nhi\u00ean, khi ki\u1ec3m tra t\u1ea1i Trung t\u00e2m T\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (CIC) th\u00ec ph\u00e1t hi\u1ec7n, r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111ang v\u01b0\u1edbng n\u1ee3 x\u1ea5u.<\/p>\n<table width=\"535\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-30755 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/519-450x338.jpg\" alt=\"\" width=\"450\" height=\"338\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/519-450x338.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/519.jpg 550w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;<\/td>\n<td><em>Nhi\u1ec1u kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh b\u1ecb li\u1ec7t v\u00e0o danh s\u00e1ch \u0111en c\u00f3 n\u1ee3 x\u1ea5u, n\u1ee3 qu\u00e1 h\u1ea1n (\u1ea3nh minh h\u1ecda)<\/em><\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>\u201cKhi c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng g\u1ecdi \u0111i\u1ec7n cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 ki\u1ec3m tra th\u00ec \u0111\u01b0\u1ee3c bi\u1ebft, s\u1edf d\u0129 h\u1ecd \u201cd\u00ednh\u201d n\u1ee3 x\u1ea5u l\u00e0 do tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 vay v\u1ed1n t\u1ea1i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Theo th\u00f4ng tin m\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh, r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, nh\u01b0ng v\u1eabn b\u1ecb c\u00f4ng ty t\u00e0i ch\u00ednh ghi th\u00e0nh n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 \u00e9p n\u1ed9p ph\u1ea1t. M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng \u0111\u00e3 h\u1ee7y h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng c\u00f3 khi h\u00e0ng th\u00e1ng sau v\u1eabn b\u1ecb c\u00f4ng ty \u0111\u00f2i n\u1ee3 v\u00e0 ghi v\u00e0o danh s\u00e1ch n\u1ee3 x\u1ea5u do m\u00e1y t\u00ednh ch\u01b0a nh\u1eadn l\u1ec7nh h\u1ee7y.<\/p>\n<p>\u0110\u00f3 l\u00e0 m\u1ed9t trong nh\u1eefng l\u00fd do khi\u1ebfn h\u00e0ng lo\u1ea1t kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n b\u1ecb ghi v\u00e0o danh s\u00e1ch \u0111en t\u1ea1i CIC, n\u00ean r\u1ea5t kh\u00f3 ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng\u201d, v\u1ecb Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c n\u00e0y n\u00f3i.<\/p>\n<p>C\u00f3 th\u1ec3 th\u1ea5y, ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh thi\u1ebfu minh b\u1ea1ch, n\u00ean tranh ch\u1ea5p ph\u00e1t sinh c\u00f9ng v\u1edbi vi\u1ec7c h\u00e0ng lo\u1ea1t kh\u00e1ch h\u00e0ng b\u1ed7ng d\u01b0ng d\u00ednh n\u1ee3 x\u1ea5u kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng ng\u1ea1c nhi\u00ean.<\/p>\n<p>T\u1ea1i m\u1ed9t si\u00eau th\u1ecb \u0111i\u1ec7n m\u00e1y tr\u00ean \u0111\u01b0\u1eddng Th\u00e1i H\u00e0 (H\u00e0 N\u1ed9i), kh\u00e1ch h\u1ecfi vay t\u1ea5p n\u1eadp ra v\u00e0o \u0111i\u1ec3m giao d\u1ecbch c\u1ee7a Home Credit (C\u00f4ng ty t\u00e0i ch\u00ednh PPF). Nh\u00e2n vi\u00ean PPF cho bi\u1ebft, l\u00e3i su\u1ea5t cho vay kho\u1ea3ng 3,2%\/th\u00e1ng, t\u01b0\u01a1ng \u1ee9ng v\u1edbi g\u1ea7n 40%\/n\u0103m.<\/p>\n<p>\u0110i\u1ec1u \u0111\u00e1ng n\u00f3i l\u00e0, khi kh\u00e1ch h\u00e0ng \u0111\u00f2i xem tr\u01b0\u1edbc h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 nghi\u00ean c\u1ee9u, th\u00ec nh\u00e2n vi\u00ean c\u00f4ng ty cho bi\u1ebft, ch\u1ec9 cho xem h\u1ee3p \u0111\u1ed3ng khi kh\u00e1ch h\u00e0ng quy\u1ebft \u0111\u1ecbnh vay v\u00e0 \u0111\u01b0a ra \u0111\u1ea7y \u0111\u1ee7 gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c c\u00f4ng ty x\u00e9t duy\u1ec7t. Ch\u00ednh c\u00e1ch l\u00e0m \u0103n m\u1eadp m\u1edd n\u00e0y l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn tranh ch\u1ea5p.<\/p>\n<p>Nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a PPF cho hay, d\u00f9 l\u00e3i vay m\u00e0 c\u00f4ng ty n\u00e0y \u0111\u01b0a ra ch\u1ec9 kho\u1ea3ng 3%\/th\u00e1ng, song th\u1ef1c t\u1ebf, l\u00e3i su\u1ea5t cho vay cao h\u01a1n nhi\u1ec1u. Ngo\u00e0i ra, nhi\u1ec1u kh\u00e1ch h\u00e0ng cho bi\u1ebft, d\u00f9 \u0111\u00e3 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n ho\u1eb7c \u0111\u00e3 h\u1ee7y h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng v\u1eabn b\u1ecb PPF b\u00e1o n\u1ee3 qu\u00e1 h\u1ea1n, ghi v\u00e0o danh s\u00e1ch x\u1ea5u, li\u00ean t\u1ee5c \u0111\u00f2i n\u1ee3\u2026<\/p>\n<p><strong>H\u1ee3p th\u1ee9c h\u00f3a l\u00e3i su\u1ea5t cao?<\/strong><\/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, r\u1ea5t kh\u00f3 x\u1eed l\u00fd vi\u1ec7c cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5. \u201cB\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005 quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0 (NHNN) c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i cho vay t\u01b0\u01a1ng \u1ee9ng, song hi\u1ec7n nay, kh\u00e1i ni\u1ec7m l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00f4ng c\u00f2n<strong>[1]<\/strong>, n\u00ean vi\u1ec7c \u00e1p d\u1ee5ng lu\u1eadt r\u1ea5t kh\u00f3\u201d, lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i v\u00e0 \u0111\u1ec1 ngh\u1ecb, c\u1ea7n s\u1edbm ban h\u00e0nh quy \u0111\u1ecbnh \u0111\u1ec3 ch\u1ed1ng cho vay n\u1eb7ng l\u00e3i.<\/em><\/p>\n<p>TS. Cao S\u0129 Ki\u00eam, Ch\u1ee7 t\u1ecbch H\u0110QT Ng\u00e2n h\u00e0ng \u0110\u00f4ng \u00c1 c\u0169ng nh\u1eadn \u0111\u1ecbnh, t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng b\u1ecb \u201cb\u1eaby\u201d khi vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t cao, d\u1eabn \u0111\u1ebfn tranh ch\u1ea5p, v\u01b0\u1edbng n\u1ee3 x\u1ea5u l\u00e0 r\u1ea5t \u0111\u00e1ng lo ng\u1ea1i.<\/p>\n<p>Ng\u00e0y 7\/5, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh 39\/2014\/N\u0110-CP v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh. Theo \u0111\u00f3, t\u1eeb th\u00e1ng 6\/2014, c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd \u0111\u01b0\u1ee3c tri\u1ec3n khai th\u00eam nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng m\u1edbi, nh\u01b0 ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng, ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu, k\u1ef3 phi\u1ebfu, \u0111\u01b0\u1ee3c tham gia ho\u1ea1t \u0111\u1ed9ng bao thanh to\u00e1n, kinh doanh ngo\u1ea1i h\u1ed1i\u2026<\/p>\n<p>V\u1edbi quy \u0111\u1ecbnh n\u00e0y, r\u1ea5t c\u00f3 th\u1ec3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh s\u1ebd nhanh ch\u00f3ng m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 \u201cb\u1ee7a v\u00e2y\u201d kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady, trong khi NHNN ch\u01b0a c\u00f3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, TS. Cao S\u0129 Ki\u00eam khuy\u1ebfn c\u00e1o, kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd.<\/p>\n<p>Theo Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n V\u0103n B\u00ecnh, kh\u00f4ng th\u1ec3 \u00e9p l\u00e3i su\u1ea5t ti\u00eau d\u00f9ng th\u1eadt th\u1ea5p, v\u00ec ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 cho vay ti\u00eau d\u00f9ng.<\/p>\n<p>Tuy nhi\u00ean, th\u1ef1c t\u1ebf cho th\u1ea5y, n\u1ebfu l\u00e3i vay ti\u00eau d\u00f9ng cao nh\u01b0 l\u00e3i su\u1ea5t t\u00edn d\u1ee5ng \u0111en, th\u00ec c\u00f3 l\u1ebd, NHNN c\u0169ng kh\u00f4ng th\u1ec3 l\u00e0m ng\u01a1.<\/p>\n<p>(105\/844)<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> V\u1eabn c\u00f2n ch\u1ee9 ai n\u00f3i l\u00e0 kh\u00f4ng c\u00f2n?","protected":false},"excerpt":{"rendered":"<p>(\u0110T) &#8211; Nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, nh\u01b0ng ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ec3 x\u1eed l\u00fd. Trong khi \u0111\u00f3, theo Ngh\u1ecb \u0111\u1ecbnh m\u1edbi, t\u1eeb th\u00e1ng 6\/2014, c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00eam nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng. B\u1ed7ng nhi\u00ean l\u1ecdt\u00a0 \u201cdanh s\u00e1ch \u0111en\u201d Trao [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":30755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30754","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>519. D\u00ednh n\u1ee3 x\u1ea5u v\u00ec vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t c\u1eaft c\u1ed5 - 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\/en\/519-dinh-no-xau-vi-vay-tieu-dung-lai-suat-cat-co\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]519. D\u00ednh n\u1ee3 x\u1ea5u v\u00ec vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t c\u1eaft c\u1ed5[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(\u0110T) &#8211; Nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, nh\u01b0ng ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ec3 x\u1eed l\u00fd. Trong khi \u0111\u00f3, theo Ngh\u1ecb \u0111\u1ecbnh m\u1edbi, t\u1eeb th\u00e1ng 6\/2014, c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00eam nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng. 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