{"id":30981,"date":"2015-02-06T14:43:24","date_gmt":"2015-02-06T07:43:24","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=30981"},"modified":"2022-06-30T14:56:53","modified_gmt":"2022-06-30T07:56:53","slug":"659-bay-lai-suat-khi-vay-tieu-dung","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/659-bay-lai-suat-khi-vay-tieu-dung\/","title":{"rendered":"659. B\u1eaby l\u00e3i su\u1ea5t khi vay ti\u00eau d\u00f9ng"},"content":{"rendered":"(\u0110T) – Ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i nghi\u00ean c\u1ee9u k\u1ef9 h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 tr\u00e1nh \u201cs\u1eadp b\u1eaby\u201d l\u00e3i vay c\u1eaft c\u1ed5 trong nh\u1eefng \u0111i\u1ec1u kho\u1ea3n \u201c\u1ea9n\u201d.<\/strong><\/p>\n

L\u00e3i su\u1ea5t cho vay 85%\/n\u0103m v\u1eabn l\u00e0 h\u1ee3p ph\u00e1p?<\/strong><\/p>\n

Cho vay ti\u00eau d\u00f9ng t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 l\u00e0 l\u0129nh v\u1ef1c b\u00e9o b\u1edf, mang l\u1ea1i nhi\u1ec1u l\u1ee3i nhu\u1eadn cho c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh.<\/p>\n\n\n\n
\"\"Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 t\u1edbi 90%\/n\u0103m<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TS. C\u1ea5n V\u0103n L\u1ef1c, chuy\u00ean gia ng\u00e2n h\u00e0ng kh\u1eb3ng \u0111\u1ecbnh: \u201cCho vay ti\u00eau d\u00f9ng l\u00e0 l\u0129nh v\u1ef1c r\u1ea5t ti\u1ec1m n\u0103ng t\u1ea1i Vi\u1ec7t Nam, b\u1edfi l\u0129nh v\u1ef1c n\u00e0y m\u1edbi chi\u1ebfm 6% t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng n\u01b0\u1edbc ta, trong khi \u1edf c\u00e1c n\u01b0\u1edbc kh\u00e1c l\u00e0 15 – 20%\u201d.<\/p>\n

Tuy nhi\u00ean, TS. L\u1ef1c c\u0169ng c\u1ea3nh b\u00e1o, ng\u01b0\u1eddi d\u00e2n tr\u01b0\u1edbc khi vay c\u1ea7n ph\u1ea3i nghi\u00ean c\u1ee9u k\u1ef9 h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Hi\u1ec7n t\u1ea1i, c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang tri\u1ec3n khai h\u00e0ng lo\u1ea1t ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i, \u0111\u1ebfn t\u1eadn c\u00e1c si\u00eau th\u1ecb, c\u1eeda h\u00e0ng \u0111\u1ec3 m\u1eddi ch\u00e0o vay v\u1ed1n, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u mua h\u00e0ng ti\u00eau d\u00f9ng tr\u1ea3 g\u00f3p t\u0103ng m\u1ea1nh d\u1ecbp cu\u1ed1i n\u0103m c\u1ee7a ng\u01b0\u1eddi d\u00e2n, v\u1edbi \u0111i\u1ec1u ki\u1ec7n vay v\u00f4 c\u0169ng d\u1ec5 d\u00e3i, kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Th\u1ebf nh\u01b0ng, \u1ea9n trong nh\u1eefng h\u1ee3p \u0111\u1ed3ng cho vay d\u1ec5 t\u00ednh l\u00e0 nh\u1eefng \u201cb\u1eaby\u201d l\u00e3i su\u1ea5t v\u00e0 ph\u00ed ph\u1ea1t tinh vi.<\/p>\n

Ph\u1ea3n \u00e1nh v\u1edbi ph\u00f3ng vi\u00ean\u00a0B\u00e1o \u0110\u1ea7u t\u01b0 \u0111i\u1ec7n t\u1eed – Baodautu.vn<\/strong><\/a>, ch\u1ecb H.T 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. Ngay t\u1eeb \u0111\u1ea7u, ch\u1ecb \u0111\u00e3 th\u1eafc m\u1eafc khi 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. Tr\u1ea3 l\u1eddi th\u1eafc m\u1eafc c\u1ee7a ch\u1ecb, nh\u00e2n vi\u00ean c\u1ee7a c\u00f4ng ty \u0111\u00f3 gi\u1ea3i th\u00edch r\u1eb1ng, \u0111\u00e2y ch\u1ec9 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. Th\u1ebf nh\u01b0ng, \u0111\u1ebfn khi thanh to\u00e1n, ch\u1ecb T m\u1edbi ng\u00e3 ng\u1eeda v\u00ec 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

Theo kh\u1ea3o s\u00e1t c\u1ee7a ph\u00f3ng vi\u00ean\u00a0B\u00e1o \u0110\u1ea7u t\u01b0 \u0111i\u1ec7n t\u1eed – Baodautu.vn<\/strong><\/a>, r\u1ea5t nhi\u1ec1u c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang cho vay ti\u00eau d\u00f9ng v\u1edbi l\u00e3i su\u1ea5t 20 – 90%\/n\u0103m. Tuy nhi\u00ean, c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng t\u00e0i ch\u00ednh nhi\u1ec1u khi kh\u00f4ng r\u00f5 r\u00e0ng, d\u1eabn \u0111\u1ebfn nhi\u1ec1u v\u1ee5 khi\u1ebfu ki\u1ec7n.<\/p>\n

N\u00e2ng cao ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ec3 tr\u00e1nh m\u1eafc b\u1eaby l\u00e3i cao<\/strong><\/p>\n

D\u00f9 ph\u1ea3i vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, song ng\u01b0\u1eddi d\u00e2n l\u1ea1i r\u1ea5t kh\u00f3 ki\u1ec7n b\u00ean cho vay. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, l\u00e3i vay t\u1ed1i \u0111a kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. Tuy nhi\u00ean, 4 n\u0103m g\u1ea7n \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) kh\u00f4ng c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n m\u1edbi. Th\u00eam v\u00e0o \u0111\u00f3, n\u0103m 2010, NHNN c\u00f3 Th\u00f4ng t\u01b0 12\/2010\/TT-NHNN c\u1ee7a NHNN cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c cho vay theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn.<\/p>\n

B\u1ed9 T\u01b0 ph\u00e1p \u0111ang l\u1ea5y \u00fd ki\u1ebfn c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1ec1 D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (s\u1eeda \u0111\u1ed5i). Theo \u0111\u00f3, c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u1ec1 xu\u1ea5t, l\u00e3i vay t\u1ed1i \u0111a l\u00e0 200% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do NHNN c\u00f4ng b\u1ed1 (thay v\u00ec 150%). Tuy nhi\u00ean, c\u00e1c chuy\u00ean gia v\u00e0 lu\u1eadt s\u01b0 cho r\u1eb1ng, quy \u0111\u1ecbnh tr\u00ean kh\u00f4ng c\u00f3 \u00fd ngh\u0129a.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI<\/em>, 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 t\u1edbi 50%\/n\u0103m, ngh\u0129a l\u00e0 g\u1ea5p 5,5 l\u1ea7n l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n hi\u1ec7n h\u00e0nh. \u201cDo \u0111\u00f3, n\u1ebfu n\u00e2ng \u201ctr\u1ea7n\u201d l\u00e3i vay l\u00ean m\u1ee9c 200% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n th\u00ec c\u0169ng kh\u00f4ng m\u1ea5y \u00fd ngh\u0129a\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, hi\u1ec7n nay, NHNN \u0111\u00e3 cho vay th\u1ecfa thu\u1eadn, quy \u0111\u1ecbnh n\u00e0y m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u00ean c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng c\u1ea7n ph\u1ea3i th\u1ed1ng nh\u1ea5t v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 ph\u1ea3i \u0111\u01b0a ra quy \u0111\u1ecbnh v\u1ec1 tr\u1ea7n l\u00e3i vay ti\u00eau d\u00f9ng.<\/p>\n

Trong khi l\u00e3i vay ti\u00eau d\u00f9ng \u0111ang b\u1ecb th\u1ea3 n\u1ed5i, TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t hi\u1ec7n nay l\u00e0 ph\u1ea3i gi\u00e1o d\u1ee5c, n\u00e2ng cao ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 ch\u00ednh m\u00ecnh.<\/p>\n

\u201cC\u00f3 m\u1ed9t hi\u1ec7n t\u01b0\u1ee3ng kh\u00e1 ph\u1ed5 bi\u1ebfn l\u00e0, khi ra t\u00f2a, nhi\u1ec1u kh\u00e1ch vay cho bi\u1ebft, h\u1ecd kh\u00f4ng r\u00f5 h\u1ee3p \u0111\u1ed3ng nh\u01b0 th\u1ebf n\u00e0o. R\u00f5 r\u00e0ng, \u0111\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. B\u1edfi v\u1eady, c\u1ea7n ph\u1ea3i gi\u00e1o d\u1ee5c \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n hi\u1ec3u bi\u1ebft h\u01a1n v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng, \u00edt nh\u1ea5t l\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh v\u00e0 c\u1ee7a ng\u00e2n h\u00e0ng. Theo t\u00f4i, c\u1ea7n ph\u1ea3i \u0111\u01b0a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00e0nh m\u1ed9t m\u00f4n h\u1ecdc\u201d, TS. L\u1ef1c n\u00f3i.<\/p>\n

Th\u00f9y Li\u00ean<\/strong><\/p>\n

————–<\/p>\n

\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 06-02-2015:<\/em><\/strong><\/p>\n

http:\/\/baodautu.vn\/bay-lai-suat-khi-vay-tieu-dung.html<\/em><\/a><\/p>\n

(87\/866)<\/em>","protected":false},"excerpt":{"rendered":"

(\u0110T) – Ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i nghi\u00ean c\u1ee9u k\u1ef9 h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 tr\u00e1nh \u201cs\u1eadp b\u1eaby\u201d l\u00e3i vay c\u1eaft c\u1ed5 trong nh\u1eefng \u0111i\u1ec1u kho\u1ea3n \u201c\u1ea9n\u201d. L\u00e3i su\u1ea5t cho vay 85%\/n\u0103m v\u1eabn l\u00e0 h\u1ee3p ph\u00e1p? Cho vay ti\u00eau d\u00f9ng t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 l\u00e0 l\u0129nh v\u1ef1c b\u00e9o b\u1edf, mang l\u1ea1i nhi\u1ec1u […]<\/p>\n","protected":false},"author":3,"featured_media":30986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-30981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n659. 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