{"id":32114,"date":"2010-10-21T11:01:18","date_gmt":"2010-10-21T04:01:18","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32114"},"modified":"2022-07-06T11:02:58","modified_gmt":"2022-07-06T04:02:58","slug":"159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san\/","title":{"rendered":"159. Ng\u00e2n h\u00e0ng v\u1eabn &#8220;r\u1ee7ng r\u1ec9nh&#8221; cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n"},"content":{"rendered":"<strong>(VNM) &#8211; Th\u00f4ng t\u01b0 13 \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/10 tuy nhi\u00ean t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 r\u1ee5c r\u1ecbch gi\u1ea3m xu\u1ed1ng m\u1ee9c 14%\/n\u0103m. \u0110i\u1ec1u n\u00e0y tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nh\u1eefng nh\u1eadn \u0111\u1ecbnh r\u1eb1ng ngu\u1ed3n v\u1ed1n cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd g\u1eb7p kh\u00f3 b\u1edfi th\u00f4ng t\u01b0 13.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-32115 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/51.jpg\" alt=\"\" width=\"450\" height=\"320\" \/><\/p>\n<p>Th\u00f4ng t\u01b0 13\/2010\/TT-NHNN quy \u0111\u1ecbnh n\u00e2ng h\u1ec7 s\u1ed1 r\u1ee7i ro c\u1ee7a c\u00e1c kho\u1ea3n vay ch\u1ee9ng kho\u00e1n v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00ean 250% thay v\u00ec tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 100%.<\/p>\n<p>\u0110\u1ea1i di\u1ec7n nhi\u1ec1u ng\u00e2n h\u00e0ng cho r\u1eb1ng, quy \u0111\u1ecbnh n\u00e0y s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR) c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, trong khi h\u1ec7 s\u1ed1 CAR \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh kh\u00f4ng gi\u1ea3m d\u01b0\u1edbi 9%. Vi\u1ec7c vay ti\u1ec1n mua nh\u00e0 c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f3 h\u01a1n do chi ph\u00ed v\u1ed1n t\u0103ng l\u00ean n\u00ean c\u00e1c ng\u00e2n h\u00e0ng bu\u1ed9c ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t l\u00ean.<\/p>\n<p>Tuy nhi\u00ean, theo t\u00ecm hi\u1ec3u c\u1ee7a ph\u00f3ng vi\u00ean hi\u1ec7n t\u1ea1i m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh.<\/p>\n<p>C\u1ee5 th\u1ec3, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ch\u1ea5p thu\u1eadn cho kh\u00e1ch h\u00e0ng vay 70% gi\u00e1 tr\u1ecb b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1edbi c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau nh\u01b0 Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n VN (BIDV) 14%, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n Qu\u00e2n \u0111\u1ed9i (MB) 15%, Ng\u00e2n h\u00e0ng K\u1ef9 Th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank) l\u00e3i su\u1ea5t cho vay d\u01b0\u1edbi 10 n\u0103m l\u00e0 15%\/n\u0103m, tr\u00ean 10 n\u0103m 15,5%\/n\u0103m.<\/p>\n<p>Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng (VietinBank) l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n 15,6%, trung v\u00e0 d\u00e0i h\u1ea1n16,2%. Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n (Agribank) l\u00e3i su\u1ea5t rung h\u1ea1n 15%\/n\u0103m, ng\u1eafn h\u1ea1n 14,5%\/n\u0103m.<\/p>\n<table style=\"height: 24px\" width=\"804\">\n<tbody>\n<tr>\n<td>Theo s\u1ed1 li\u1ec7u \u0111\u01b0\u1ee3c \u0111\u01b0a ra t\u1eeb Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), k\u1ebft th\u00fac ho\u1ea1t \u0111\u1ed9ng 9 th\u00e1ng \u0111\u1ea7u n\u0103m nay, d\u01b0 n\u1ee3 cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 218.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 18%.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ng\u00e2n h\u00e0ng \u00c1 Ch\u00e2u (ACB)\u00a0 l\u00e3i su\u1ea5t cho vay \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n 15%\/n\u0103m, trung v\u00e0 d\u00e0i h\u1ea1n: 15,5%\/n\u0103m. Ng\u00e2n h\u00e0ng Xu\u1ea5t nh\u1eadp kh\u1ea9u Vi\u1ec7t Nam (Eximbank) l\u00e3i su\u1ea5t cho vay mua B\u0110S trung v\u00e0 d\u00e0i h\u1ea1n \u1edf m\u1ee9c 13,5%\/n\u0103m, l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n l\u00e0 13%\/n\u0103m v\u1edbi th\u1eddi gian t\u1ed1i \u0111a cho vay l\u00e0 10 n\u0103m.<\/p>\n<p><strong><em>\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c &#8211; Tr\u01b0\u1edfng ph\u00f2ng ph\u00e1p ch\u1ebf ng\u00e2n h\u00e0ng B\u1ea3o Vi\u1ec7t cho bi\u1ebft, vi\u1ec7c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro cao s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tuy nhi\u00ean v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u1edbn, l\u01b0\u1ee3ng v\u1ed1n d\u1ed3i d\u00e0o s\u1ebd v\u1ea5n ti\u1ebfp t\u1ee5c cho vay v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i t\u0103ng l\u00ean. H\u01a1n n\u1eefa, l\u0129nh v\u1ef1c cho vay d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ea3ng kinh doanh r\u1ea5t ti\u1ec1m n\u0103ng do v\u1eady d\u1ef1 \u00e1n n\u00e0o t\u1ed1t, kh\u1ea3 thi v\u1eabn l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/em><\/strong>.<\/p>\n<p>Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a c\u00e1c chuy\u00ean gia kinh t\u1ebf th\u00ec t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng trong to\u00e0n h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 8 th\u00e1ng \u0111\u1ea7u n\u0103m hi\u1ec7n \u0111\u1ea1t kho\u1ea3ng 16% so v\u1edbi m\u1ee9c t\u0103ng 27% c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. Nh\u01b0 v\u1eady, \u0111\u1ec3 ho\u00e0n th\u00e0nh \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1 ra v\u1ec1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 25%\/n\u0103m. Nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00f2n g\u1ea7n 10%. Trong khi \u0111\u00f3, theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t Ng\u00e2n h\u00e0ng th\u1ebf gi\u1edbi d\u1ef1 b\u00e1o r\u1eb1ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng n\u0103m 2010 c\u1ee7a Vi\u1ec7t Nam nh\u00ecn t\u1ed5ng th\u1ec3 c\u00f3 th\u1ec3 s\u1ebd th\u1ea5p h\u01a1n 25% m\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n l\u00e0 vi\u1ec7c\u00a0 Ch\u00ednh ph\u1ee7 quy\u1ebft \u0111\u1ecbnh r\u00fat g\u00f3i k\u00edch c\u1ea7u. V\u00ec v\u1eady, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ea3 n\u0103m, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u0111\u1ea9y nhanh vi\u1ec7c cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u2013 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cho vay cao.<\/p>\n<p><strong>Anh \u0110\u00e0o<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><em>VnMedia 21-10-2010<\/em>","protected":false},"excerpt":{"rendered":"<p>(VNM) &#8211; Th\u00f4ng t\u01b0 13 \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/10 tuy nhi\u00ean t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 r\u1ee5c r\u1ecbch gi\u1ea3m xu\u1ed1ng m\u1ee9c 14%\/n\u0103m. \u0110i\u1ec1u n\u00e0y tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nh\u1eefng nh\u1eadn \u0111\u1ecbnh r\u1eb1ng ngu\u1ed3n v\u1ed1n cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd g\u1eb7p [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32114","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>159. Ng\u00e2n h\u00e0ng v\u1eabn &quot;r\u1ee7ng r\u1ec9nh&quot; cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n - 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\/tieng-viet-159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]159. Ng\u00e2n h\u00e0ng v\u1eabn &quot;r\u1ee7ng r\u1ec9nh&quot; cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(VNM) &#8211; Th\u00f4ng t\u01b0 13 \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/10 tuy nhi\u00ean t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 r\u1ee5c r\u1ecbch gi\u1ea3m xu\u1ed1ng m\u1ee9c 14%\/n\u0103m. \u0110i\u1ec1u n\u00e0y tr\u00e1i ng\u01b0\u1ee3c v\u1edbi nh\u1eefng nh\u1eadn \u0111\u1ecbnh r\u1eb1ng ngu\u1ed3n v\u1ed1n cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd g\u1eb7p [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2010-10-21T04:01:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-06T04:02:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/07\/51.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-159-ngan-hang-van-rung-rinh-cho-vay-bat-dong-san\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"159. 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