{"id":32319,"date":"2011-05-13T09:51:19","date_gmt":"2011-05-13T02:51:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=32319"},"modified":"2022-07-07T09:53:20","modified_gmt":"2022-07-07T02:53:20","slug":"189-tran-lai-suat-tao-dieu-kien-cho-tin-dung-den","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/189-tran-lai-suat-tao-dieu-kien-cho-tin-dung-den\/","title":{"rendered":"189. Tr\u1ea7n l\u00e3i su\u1ea5t \u201ct\u1ea1o \u0111i\u1ec1u ki\u1ec7n\u201d cho \u201ct\u00edn d\u1ee5ng \u0111en\u201c?"},"content":{"rendered":"(PL) – V\u1edbi m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh 14%\/n\u0103m nh\u01b0 hi\u1ec7n nay, quy \u0111\u1ed5i ch\u1ec9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t 1,16%\/th\u00e1ng, \u00e2m so v\u1edbi l\u1ea1m ph\u00e1t. Kh\u00f4ng lo\u1ea1i tr\u1eeb ng\u01b0\u1eddi c\u00f3 ti\u1ec1n \u0111\u00e3 t\u00ecm \u0111\u1ebfn ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u \u0111\u1ec3 cho vay kh\u00f4ng th\u00f4ng qua ng\u00e2n h\u00e0ng. Tr\u00ean th\u1ecb tr\u01b0\u1eddng “t\u00edn d\u1ee5ng \u0111en”, l\u00e3i su\u1ea5t \u0111ang l\u00ean \u0111\u1ebfn 108%\/n\u0103m.<\/strong><\/p>\n

Th\u1eadt – \u1ea3o?<\/strong><\/p>\n

B\u1ea5t ch\u1ea5p quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t, cu\u1ed9c \u0111ua huy \u0111\u1ed9ng v\u1ed1n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ng\u00e0y m\u1ed9t n\u00f3ng b\u1ecfng v\u00e0 d\u01b0\u1eddng nh\u01b0 c\u00e1c bi\u1ec7n ph\u00e1p h\u00e0nh ch\u00ednh c\u00e0ng tr\u1edf n\u00ean b\u1ea5t l\u1ef1c tr\u01b0\u1edbc th\u1ef1c t\u1ebf th\u1ecb tr\u01b0\u1eddng\u2026
\nN\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng (NH) ch\u1ec9 \u201c\u0111i \u0111\u00eam\u201d l\u00e3i su\u1ea5t (LS) \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng quen th\u00ec th\u1eddi gian g\u1ea7n \u0111\u00e2y nhi\u1ec1u NH \u0111\u00e3 tr\u1ef1c ti\u1ebfp \u0111i\u1ec7n tho\u1ea1i m\u1eddi ch\u00e0o. M\u1ee9c LS th\u1ecfa thu\u1eadn 17- 18%\/n\u0103m c\u1ee7a th\u00e1ng tr\u01b0\u1edbc \u0111\u00e3 tr\u1edf n\u00ean l\u1ea1c h\u1eadu v\u00e0 \u0111\u00e3 c\u00f3 NH \u0111\u01b0a ra m\u1ee9c LS l\u00ean t\u1edbi 19,5%\/n\u0103m \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn.<\/p>\n

T\u1ea1i Ph\u00f2ng giao d\u1ecbch c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng\u00a0 tr\u00ean ph\u1ed1 Kh\u00e2m Thi\u00ean (H\u00e0 N\u1ed9i), v\u1eabn quy\u1ec3n s\u1ed5 ti\u1ebft ki\u1ec7m v\u1edbi l\u00e3i su\u1ea5t 14%, song\u00a0 b\u00ean g\u00f3c quy\u1ec3n s\u1ed1, thay v\u00ec ghi nh\u1eb9 th\u00eam b\u1eb1ng b\u00fat bi\u00a0 \u201c+3\u201d\u00a0 nh\u01b0 th\u00e1ng tr\u01b0\u1edbc b\u00e2y gi\u1edd l\u00e0 \u201c+4\u201d v\u1edbi n\u1ee5 c\u01b0\u1eddi m\u1eddi ch\u00e0o r\u1ea5t t\u01b0\u01a1i c\u1ee7a nh\u00e2n vi\u00ean\u2026<\/p>\n

Th\u1eadm ch\u00ed, c\u00f3 NH t\u00ednh lu\u00f4n s\u1ed1 l\u00e3i \u201cv\u01b0\u1ee3t r\u00e0o\u201d v\u00e0 tr\u1ea3 ngay b\u1eb1ng \u201cti\u1ec1n t\u01b0\u01a1i\u201d cho kh\u00e1ch h\u00e0ng khi \u0111\u1ebfn g\u1eedi ti\u1ec1n. T\u1ea5t c\u1ea3 tr\u00ean s\u1ed1 s\u00e1ch ch\u1ee9ng t\u1eeb NH v\u1eabn l\u00e0 LS 14%\/n\u0103m.<\/p>\n

\"\"<\/p>\n

\u201cQuy \u0111\u1ecbnh 14%\/n\u0103m nh\u01b0ng th\u1ef1c t\u1ebf kh\u00f4ng ph\u1ea3i nh\u01b0 v\u1eady. 14%\/n\u0103m kh\u00f4ng \u0111\u1ee7 b\u1ea3o to\u00e0n v\u1ed1n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, v\u1ea3 l\u1ea1i n\u1ebfu NH n\u00e0o kh\u00f4ng l\u00e0m nh\u01b0 v\u1eady th\u00ec m\u1ea5t v\u1ed1n\u2026\u201d – b\u00e0 Nguy\u1ec5n Th\u1ecb M\u00f9i, Hi\u1ec7u tr\u01b0\u1edfng Tr\u01b0\u1eddng \u0111\u00e0o t\u1ea1o nh\u00e2n l\u1ef1c Vietinbank th\u1eeba nh\u1eadn.<\/p>\n

Th\u1ebf nh\u01b0ng, trong b\u00e1o c\u00e1o v\u1ec1 ho\u1ea1t \u0111\u1ed9ng NH th\u00e1ng 4\/2011 v\u1eeba \u0111\u01b0\u1ee3c NH nh\u00e0 n\u01b0\u1edbc (NHNN) c\u00f4ng b\u1ed1, NHNN vn kh\u1eb3ng \u0111inh: Trong th\u00e1ng 4\/2011, LS huy \u0111\u1ed9ng VND \u00edt bi\u1ebfn \u0111\u1ed9ng so v\u1edbi cu\u1ed1i th\u00e1ng 3\/2011, v\u00e0 r\u1eb1ng, nh\u00ecn chung c\u00e1c NH \u0111\u1ec1u \u00e1p d\u1ee5ng m\u1ee9c LS huy \u0111\u1ed9ng v\u1ed1n t\u1ed1i \u0111a 14%\/n\u0103m, LS huy \u0111\u1ed9ng b\u00ecnh qu\u00e2n 13,41%\/n\u0103m.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, v\u1edbi m\u1ee9c huy \u0111\u1ed9ng 17- 18%\/n\u0103m, th\u1eadm ch\u00ed 19- 20%\/n\u0103m, LS cho vay th\u1ef1c t\u1ebf \u0111\u00e3 b\u1ecb \u0111\u1ea9y l\u00ean 25- 27% b\u1edfi b\u1ecb c\u00f5ng th\u00eam c\u00e1c lo\u1ea1i ph\u00ed. Th\u1ebf nh\u01b0ng theo b\u00e1o c\u00e1o c\u1ee7a NHNN, LS cho vay VND b\u00ecnh qu\u00e2n \u1edf m\u1ee9c 17%\/n\u0103m, trong \u0111\u00f3 LS cho vay ng\u1eafn h\u1ea1n ph\u1ed5 bi\u1ebfn 16-17,5%; LS cho vay n\u00f4ng nghi\u1ec7p n\u00f4ng th\u00f4n, xu\u1ea5t kh\u1ea9u 14-16%\/n\u0103m; LS cho vay l\u0129nh v\u1ef1c phi s\u1ea3n xu\u1ea5t (kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ee9ng kho\u00e1n, ti\u00eau d\u00f9ng) 18-22%\/n\u0103m (?)<\/p>\n

Huy \u0111\u1ed9ng gi\u1ea3m – ti\u1ec1n \u0111i \u0111\u00e2u?<\/strong><\/p>\n

B\u1ea5t ch\u1ea5p nhi\u1ec1u NH \u0111\u00e3 \u0111\u1ea9y LS huy \u0111\u1ed9ng l\u00ean kh\u00e1 cao, song b\u00e1o c\u00e1o c\u1ee7a NHNN cho bi\u1ebft, t\u1ed5ng s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c TCTD \u0111\u1ebfn 21\/4 \u01b0\u1edbc gi\u1ea3m 1,09% so v\u1edbi th\u00e1ng tr\u01b0\u1edbc, trong \u0111\u00f3 ti\u1ec1n g\u1eedi b\u1eb1ng VND gi\u1ea3m 1,84%.<\/p>\n

\u201c\u0110i\u1ec1u n\u00e0y cho th\u1ea5y d\u00f2ng ti\u1ec1n \u0111\u00e3 ch\u1ea3y v\u1ec1 c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 kh\u00e1c ho\u1eb7c kh\u00f4ng lo\u1ea1i tr\u1eeb ng\u01b0\u1eddi c\u00f3 ti\u1ec1n \u0111\u00e3 t\u00ecm \u0111\u1ebfn ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u \u0111\u1ec3 cho vay kh\u00f4ng th\u00f4ng qua NH!\u201d- m\u1ed9t chuy\u00ean gia kinh t\u1ebf b\u00ecnh lu\u1eadn. \u0110\u01b0\u1ee3c bi\u1ebft, hi\u1ec7n tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u01b0 do, c\u1ee9 cho vay 1 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i ng\u00e0y \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i 3 ngh\u00ecn \u0111\u1ed3ng, t\u00ednh ra LS l\u00ean t\u1edbi 9%\/th\u00e1ng, 108%\/n\u0103m, g\u1ea5p 8 l\u1ea7n gi\u1edbi h\u1ea1n LS cho vay theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. C\u00e1ch l\u00e0m n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 kho\u1ea3n ti\u1ec1n nh\u1ecf, kh\u00f4ng mu\u1ed1n m\u1ea5t th\u1eddi gian \u0111\u1ebfn NH m\u00e0 LS cao, n\u1ebfu cho vay s\u1ed1 ti\u1ec1n l\u1edbn, ng\u01b0\u1eddi cho vay c\u0169ng \u0111\u00f2i h\u1ecfi c\u00f3 th\u1ec3 ch\u1ea5p.<\/p>\n

Kh\u00e1 am hi\u1ec3u trong l\u0129nh v\u1ef1c \u201cb\u1ebfp n\u00fac\u201d NH, m\u1ed9t chuy\u00ean gia l\u00fd gi\u1ea3i: Kh\u00f4ng lo\u1ea1i tr\u1eeb tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng b\u1ecb kh\u1ed1ng ch\u1ebf LS 14%\/n\u0103m, c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng c\u00e1c NH chuy\u1ec3n cho c\u00e1 nh\u00e2n v\u00e0 c\u00e1c c\u00f4ng ty con, mang ti\u1ec1n \u0111i g\u1eedi h\u01b0\u1edfng l\u00e3i cao. Nay b\u1ecb kh\u1ed1ng ch\u1ebf 14%\/n\u0103m, cho n\u00ean r\u00fat v\u1ec1 h\u1ebft, th\u1ebf l\u00e0 ti\u1ec1n g\u1eedi d\u00e2n c\u01b0 b\u1ecb gi\u1ea3m, ti\u1ec1n g\u1eedi c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf c\u0169ng gi\u1ea3m. S\u1ed1 ti\u1ec1n n\u00e0y mang v\u1ec1 cho vay li\u00ean NH h\u01b0\u1edfng l\u00e3i cao h\u01a1n\u2026<\/p>\n

M\u1ed9t th\u1ef1c t\u1ebf l\u00e0 m\u1eb7c d\u00f9 LS ti\u1ec1n USD \u0111\u00e3 gi\u1ea3m kho\u1ea3ng 2%\/n\u0103m so v\u1edbi cu\u1ed1i th\u00e1ng 3\/2011 do NHNN kh\u1ed1ng ch\u1ebf LS huy \u0111\u1ed9ng USD t\u1ed1i \u0111a 3% n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n v\u00e0 1%\/n\u0103m v\u1edbi t\u1ed5 ch\u1ee9c, song trong khi ti\u1ec1n g\u1eedi VND gi\u1ea3m 1,84%, ti\u1ec1n g\u1eedi ngo\u1ea1i t\u1ec7 v\u1eabn t\u0103ng 1,46%, \u0111i\u1ec1u n\u00e0y c\u0169ng cho th\u1ea5y VND \u0111ang m\u1ea5t gi\u00e1, cho n\u00ean LS USD d\u00f9 th\u1ea5p ng\u01b0\u1eddi d\u00e2n v\u1eabn g\u1eedi \u0111\u1ec3 gi\u1eef ti\u1ec1n. \u0110i\u1ec1u n\u00e0y c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb ti\u1ec1n VND \u0111\u00e3 chuy\u1ec3n sang USD trong h\u1ec7 th\u1ed1ng ti\u1ec1n g\u1eedi c\u1ee7a NH, \u0111i ng\u01b0\u1ee3c v\u1edbi mong mu\u1ed1n c\u1ee7a NHNN khi kh\u1ed1ng ch\u1ebf LS ti\u1ec1n g\u1eedi USD.<\/p>\n

Th\u00eam n\u1eefa, cho d\u00f9 th\u00f4ng tin v\u1ec1 vi\u1ec7c c\u1ea5m kinh doanh v\u00e0ng mi\u1ebfng r\u1eadm r\u1ecbch t\u1eeb nhi\u1ec1u th\u00e1ng nay, b\u1ea5t ch\u1ea5p gi\u00e1 v\u00e0ng th\u1ebf gi\u1edbi \u0111ang l\u00ean cao song trong b\u1ed1i c\u1ea3nh l\u1ea1m ph\u00e1t cao, v\u00e0ng v\u1eabn c\u00f3 s\u1ee9c h\u00fat d\u00f2ng ti\u1ec1n t\u1eeb h\u1ec7 th\u1ed1ng NH\u2026<\/p>\n

\u201cTrong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u1ecb tr\u01b0\u1eddng lu\u00f4n \u0111\u00fang, n\u1ebfu c\u00f3 sai th\u00ec l\u00e0 \u1edf ch\u00ednh s\u00e1ch\u2026 C\u00e1c NH \u0111\u00e3 bu\u1ed9c ph\u1ea3i l\u00e0m c\u00e1i vi\u1ec7c m\u00e0 h\u1ecd ho\u00e0n to\u00e0n kh\u00f4ng mong mu\u1ed1n\u201d- Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c qu\u1ea3 quy\u1ebft.\u00a0\u00a0<\/em><\/p>\n

V\u1edbi m\u1ee9c tr\u1ea7n LS ti\u1ec1n g\u1eedi hi\u1ec7n nay \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh \u1edf m\u1ee9c 14%\/n\u0103m, quy \u0111\u1ed5i ch\u1ec9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi tr\u1ea7n LS 1,16%\/th\u00e1ng. K\u1ec3 t\u1eeb th\u00e1ng 11 n\u0103m ngo\u00e1i, l\u1ea1m ph\u00e1t l\u1ea7n l\u01b0\u1ee3t l\u00e0 1,86%, 1,98%, 1,74%, 2,09%, v\u00e0 2,17%. T\u00ednh ra\u00a0 LS th\u1ef1c l\u1ea7n l\u01b0\u1ee3t l\u00e0 -0,70%, -0,81%, -0,57%, -0,93%, -1,01%.<\/p>\n

\u201cM\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a ch\u00ednh s\u00e1ch gh\u00ecm c\u01b0\u01a1ng l\u1ea1m ph\u00e1t l\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o LS th\u1ef1c d\u01b0\u01a1ng, \u0111\u1ed3ng th\u1eddi kh\u00f4ng g\u00e2y s\u1ed1c thanh kho\u1ea3n cho h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh. Nh\u01b0ng th\u1ef1c t\u1ebf, LS th\u1ef1c \u0111\u00e3 \u00e2m trong 5 th\u00e1ng li\u00ean ti\u1ebfp. Ch\u1eebng n\u00e0o m\u1ee9c LS c\u00f2n \u00e2m th\u00ec n\u00f3 s\u1ebd kh\u00f4ng khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 vi\u1ec7c c\u00e1c NH ph\u00e1 tr\u1ea7n LS c\u0169ng l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u!\u201d- Lu\u1eadt s\u01b0 \u0110\u1ee9c b\u00ecnh lu\u1eadn.<\/em><\/p>\n

Theo chuy\u00ean gia kinh t\u1ebf v\u0129 m\u00f4, TS. Ph\u1ea1m Th\u1ebf Anh, trong v\u00f2ng 2 th\u00e1ng qua, NHNN \u0111\u00e3 3 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh c\u00e1c LS ch\u1ee7 ch\u1ed1t nh\u01b0 LS th\u1ecb tr\u01b0\u1eddng m\u1edf (OMO) v\u00e0 LS t\u00e1i c\u1ea5p v\u1ed1n. Tuy nhi\u00ean, \u0111i\u1ec1u \u0111\u00e1ng ng\u1ea1c nhi\u00ean l\u00e0 tr\u1ea7n LS huy \u0111\u1ed9ng kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh. \u201cH\u1eadu qu\u1ea3 t\u1ea5t y\u1ebfu c\u1ee7a s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh kh\u00f4ng \u0111\u1ed3ng b\u1ed9 gi\u1eefa c\u00e1c c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd ti\u1ec1n t\u1ec7 n\u00e0y l\u00e0 vi\u1ec7c c\u00e1c NH \u0111ang tung ra m\u1ed9t lo\u1ea1t c\u00e1c s\u1ea3n ph\u1ea9m huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi kh\u00e1c nhau nh\u1eb1m l\u00e1ch quy \u0111\u1ecbnh tr\u1ea7n LS n\u00e0y\u2026\u201d- TS. Anh b\u00ecnh lu\u1eadn.<\/p>\n

V\u1ec1 l\u00fd thuy\u1ebft c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c xu h\u01b0\u1edbng LS, song n\u00f3i nh\u01b0 TS L\u00ea Xu\u00e2n Ngh\u0129a, Ph\u00f3 Ch\u1ee7 t\u1ecbch \u1ee6y ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh qu\u1ed1c gia th\u00ec Vi\u1ec7t Nam ch\u1eb3ng \u0111i theo quy lu\u1eadt n\u00e0o.<\/p>\n

Hi\u1ec3u My<\/strong><\/p>\n

———————————————-<\/p>\n

B\u00e1o Ph\u00e1p lu\u1eadt VN ng\u00e0y 13-5-2011<\/em><\/p>\n

http:\/\/phapluatvn.vn\/kinhte\/taichinhtiente\/201105\/Tran-lai-suat-tao-dieu-kien-cho-tin-dung-den-2049949\/<\/a>","protected":false},"excerpt":{"rendered":"

(PL) – V\u1edbi m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh 14%\/n\u0103m nh\u01b0 hi\u1ec7n nay, quy \u0111\u1ed5i ch\u1ec9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t 1,16%\/th\u00e1ng, \u00e2m so v\u1edbi l\u1ea1m ph\u00e1t. Kh\u00f4ng lo\u1ea1i tr\u1eeb ng\u01b0\u1eddi c\u00f3 ti\u1ec1n \u0111\u00e3 t\u00ecm \u0111\u1ebfn ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u \u0111\u1ec3 cho vay kh\u00f4ng th\u00f4ng qua ng\u00e2n h\u00e0ng. Tr\u00ean th\u1ecb tr\u01b0\u1eddng […]<\/p>\n","protected":false},"author":1,"featured_media":32320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-32319","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n189. Tr\u1ea7n l\u00e3i su\u1ea5t \u201ct\u1ea1o \u0111i\u1ec1u ki\u1ec7n\u201d cho \u201ct\u00edn d\u1ee5ng \u0111en\u201c? - 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\/189-tran-lai-suat-tao-dieu-kien-cho-tin-dung-den\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]189. 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