{"id":33146,"date":"2019-04-23T14:31:58","date_gmt":"2019-04-23T07:31:58","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=33146"},"modified":"2022-07-18T14:34:31","modified_gmt":"2022-07-18T07:34:31","slug":"2-245-siet-tin-dung-bat-dong-san-thi-truong-se-lanh-manh-hon","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-245-siet-tin-dung-bat-dong-san-thi-truong-se-lanh-manh-hon\/","title":{"rendered":"2.245. Si\u1ebft t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n: Th\u1ecb tr\u01b0\u1eddng s\u1ebd l\u00e0nh m\u1ea1nh h\u01a1n?"},"content":{"rendered":"(KT\u0110T) – D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN c\u1ee7a NHNN quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay mua nh\u00e0, \u0111\u1ea5t, c\u0103n h\u1ed9 cao c\u1ea5p t\u1eeb 3 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean s\u1ebd \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00ean t\u1edbi 150%. Quy \u0111\u1ecbnh n\u00e0y \u0111ang g\u00e2y ra nhi\u1ec1u b\u0103n kho\u0103n trong gi\u1edbi \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c DN b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u0110S).<\/strong><\/p>\n

Co h\u1eb9p t\u00edn d\u1ee5ng v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong><\/p>\n

Ngo\u00e0i t\u0103ng h\u1ec7 s\u1ed1 t\u00edn d\u1ee5ng r\u1ee7i ro \u0111\u1ed1i v\u1edbi B\u0110S, d\u1ef1 th\u1ea3o c\u00f2n \u0111\u01b0a ra hai ph\u01b0\u01a1ng \u00e1n \u0111i\u1ec1u ch\u1ec9nh v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung, d\u00e0i h\u1ea1n theo xu h\u01b0\u1edbng gi\u1ea3m d\u1ea7n t\u1ef7 l\u1ec7 n\u00e0y xu\u1ed1ng c\u00f2n 30% thay v\u00ec hi\u1ec7n nay l\u00e0 40%. Nh\u01b0 v\u1eady, n\u1ebfu d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 \u0111\u01b0\u1ee3c th\u00f4ng qua, ch\u1eafc ch\u1eafn th\u1ecb tr\u01b0\u1eddng B\u0110S s\u1ebd ch\u1ecbu t\u00e1c \u0111\u1ed9ng, nh\u1ea5t l\u00e0 v\u1edbi c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ed5 m\u1ea1nh v\u1ed1n v\u00e0o c\u00e1c d\u1ef1 \u00e1n cao c\u1ea5p.<\/p>\n

L\u1ea7n t\u00e1c \u0111\u1ed9ng n\u00e0y, theo ph\u00e2n t\u00edch c\u1ee7a l\u00e3nh \u0111\u1ea1o m\u1ed9t DN, \u0111\u00e1nh th\u1eb3ng v\u00e0o c\u1ea3 b\u00ean cung v\u00e0 c\u1ea7u B\u0110S, hay n\u00f3i \u0111\u00fang h\u01a1n l\u00e0 \u0111\u00e1nh th\u1eb3ng c\u1ea3 v\u00e0o kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0. C\u0169ng c\u1ea7n l\u01b0u \u00fd l\u00e0 c\u00e1c kho\u1ea3n vay \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng B\u0110S th\u01b0\u1eddng c\u00f3 nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n trung, d\u00e0i h\u1ea1n cao n\u00ean vi\u1ec7c gi\u1ea3m t\u1ef7 l\u1ec7 cho vay \u0111\u1ed3ng ngh\u0129a v\u1edbi ngu\u1ed3n v\u1ed1n v\u00e0o th\u1ecb tr\u01b0\u1eddng b\u1ecb co h\u1eb9p.<\/p>\n\n\n\n\n
\u00a0Kh\u00e1ch h\u00e0ng tham kh\u1ea3o th\u00f4ng tin d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i H\u00e0 N\u1ed9i. \u1ea2nh: C\u00f4ng H\u00f9ng<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed9ng th\u00e1i \u0111i tr\u01b0\u1edbc, ng\u0103n ng\u1eeba r\u1ee7i ro cho vay B\u0110S c\u1ee7a NHNN \u0111\u01b0\u1ee3c gi\u1edbi chuy\u00ean gia cho r\u1eb1ng ph\u00f9 h\u1ee3p. Ngay trong v\u0103n b\u1ea3n \u0111\u00f3ng g\u00f3p \u00fd ki\u1ebfn, B\u1ed9 X\u00e2y d\u1ef1ng c\u0169ng \u0111\u1ec1 xu\u1ea5t ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd t\u00edn d\u1ee5ng v\u00e0o l\u0129nh v\u1ef1c B\u0110S theo h\u01b0\u1edbng th\u1eaft ch\u1eb7t ngu\u1ed3n t\u00edn d\u1ee5ng, gi\u1ea3m h\u1ea1n m\u1ee9c cho vay \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n cao c\u1ea5p v\u00e0 m\u1ed9t ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 nhu c\u1ea7u vay s\u1ed1 l\u01b0\u1ee3ng l\u1edbn cho nhi\u1ec1u d\u1ef1 \u00e1n.<\/p>\n

T\u1ea1i cu\u1ed9c t\u1ecda \u0111\u00e0m v\u1ec1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng g\u1ea7n \u0111\u00e2y, chuy\u00ean gia C\u1ea5n V\u0103n L\u1ef1c \u0111\u01b0a ra nh\u1eefng con s\u1ed1 \u0111\u00e1ng l\u01b0u \u00fd. Theo d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c NHNN th\u1ed1ng k\u00ea, \u0111\u1ebfn cu\u1ed1i n\u0103m 2018, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u00e3 \u0111\u1ea1t kho\u1ea3ng 1,4 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng (g\u1ea5p 6 l\u1ea7n n\u0103m 2012), chi\u1ebfm kho\u1ea3ng 19,4% t\u1ed5ng d\u01b0 n\u1ee3 c\u1ee7a n\u1ec1n kinh t\u1ebf. Trong \u0111\u00f3, t\u1ef7 tr\u1ecdng l\u1edbn d\u01b0 n\u1ee3 thu\u1ed9c v\u1ec1 cho vay mua nh\u00e0, s\u1eeda nh\u00e0 (chi\u1ebfm t\u1edbi 40%).<\/p>\n

Lo th\u1ecb tr\u01b0\u1eddng m\u00e9o m\u00f3<\/strong><\/p>\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t s\u1ed1 DN B\u0110S cho r\u1eb1ng vi\u1ec7c si\u1ebft t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi ph\u00e2n kh\u00fac nh\u00e0, \u0111\u1ea5t cao c\u1ea5p s\u1ebd khuy\u1ebfn kh\u00edch c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n d\u1ef1 \u00e1n ph\u00e2n kh\u00fac v\u1eeba t\u00fai ti\u1ec1n d\u01b0\u1edbi 2 – 3 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u1edf th\u1ef1c. Tuy nhi\u00ean, c\u0169ng c\u00f3 nh\u1eefng \u00fd ki\u1ebfn cho r\u1eb1ng, khi quy \u0111\u1ecbnh qu\u00e1 ch\u1eb7t ch\u1ebd, c\u1ea3 DN v\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u1eaft tay \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 nh\u1eb1m l\u00e1ch quy \u0111\u1ecbnh v\u00e0 v\u1eabn ti\u1ebfp t\u1ee5c r\u00f3t v\u1ed1n v\u00e0o B\u0110S cao c\u1ea5p.<\/p>\n

\u0110\u01a1n c\u1eed nh\u01b0 th\u1eddi gian qua, kh\u00e1 nhi\u1ec1u DN \u0111\u1ecba \u1ed1c \u0111\u1ec1u c\u00f3 nh\u1eefng \u0111\u1ed9ng th\u00e1i b\u1eaft tay v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng trong vi\u1ec7c b\u1ea3o l\u00e3nh c\u00e1c d\u1ef1 \u00e1n. Tuy nhi\u00ean, s\u1ef1 h\u1ee3p t\u00e1c n\u00e0y v\u1ec1 c\u01a1 b\u1ea3n ch\u1ec9 l\u00e0 h\u00ecnh th\u1ee9c, nh\u1eb1m tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt c\u0169ng nh\u01b0 x\u00e2y d\u1ef1ng uy t\u00edn v\u1edbi kh\u00e1ch h\u00e0ng, c\u00f2n th\u1ef1c t\u1ebf tri\u1ec3n khai c\u00f3 nhi\u1ec1u b\u1ea5t c\u1eadp.<\/p>\n

Ch\u1eb3ng h\u1ea1n, \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2010 quy \u0111\u1ecbnh b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng l\u00e0 h\u00ecnh th\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng. T\u1ea1i \u0110i\u1ec1u 128 v\u1ec1 gi\u1edbi h\u1ea1n c\u1ea5p t\u00edn d\u1ee5ng \u0111\u00e3 quy \u0111\u1ecbnh: “T\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1edbi v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ed5ng m\u1ee9c d\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi m\u1ed9t kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi c\u00f3 li\u00ean quan kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 25% v\u1ed1n t\u1ef1 c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i…”.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c m\u1ed9t ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p c\u1ea5p t\u00edn d\u1ee5ng kh\u00f4ng qu\u00e1 15% v\u1ed1n t\u1ef1 c\u00f3 cho m\u1ed9t d\u1ef1 \u00e1n v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 25% cho nh\u00f3m c\u00e1c d\u1ef1 \u00e1n c\u1ee7a m\u1ed9t DN. Nh\u01b0ng th\u1ef1c t\u1ebf c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 b\u1eb1ng c\u00e1ch n\u00e0y hay c\u00e1ch kh\u00e1c, th\u1eadm ch\u00ed \u1ea9n danh d\u01b0\u1edbi d\u1ea1ng ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu… v\u1eabn r\u00f3t v\u1ed1n v\u1edbi t\u1ef7 l\u1ec7 l\u1edbn h\u01a1n cho DN.<\/p>\n

Th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i \u0111\u1ebfn b\u00e2y gi\u1edd, m\u00e0 vi\u1ec7c h\u1ea1n ch\u1ebf t\u00edn d\u1ee5ng B\u0110S v\u1eabn lu\u00f4n n\u1eb1m trong l\u1ed9 tr\u00ecnh c\u1ee7a NHNN, t\u00edn d\u1ee5ng B\u0110S gi\u1ea3m kh\u00e1 m\u1ea1nh theo th\u1ed1ng k\u00ea, song v\u1eabn th\u1ea5y c\u00e1c d\u1ef1 \u00e1n m\u1edbi v\u1eabn \u0111ang \u00f9n \u00f9n tri\u1ec3n khai v\u1edbi t\u1ef7 l\u1ec7 v\u1ed1n t\u1ef1 c\u00f3 r\u1ea5t khi\u00eam t\u1ed1n c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0. \u201cN\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng ch\u1ec9 \u0111\u1ea3m b\u1ea3o 20 – 30% v\u1ed1n \u0111\u1ea7u t\u01b0, v\u1eady n\u1ebfu kh\u00f4ng tr\u00f4ng ch\u1edd v\u00e0o ng\u00e2n h\u00e0ng, th\u00ec DN l\u1ea5y \u0111\u00e2u ra ti\u1ec1n?\u201d – m\u1ed9t chuy\u00ean gia kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

V\u1edbi d\u1ef1 th\u1ea3o \u0111\u1ec1 ra, s\u1ebd khi\u1ebfn ng\u01b0\u1eddi d\u00e2n mu\u1ed1n mua nh\u00e0 tr\u00ean 3 t\u1ef7 \u0111\u1ed3ng c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i tr\u1ea3 m\u1ee9c l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng r\u1ea5t cao. Khi chi ph\u00ed c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m B\u0110S t\u0103ng l\u00ean, ch\u1eafc ch\u1eafn s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam v\u00e0o gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m, l\u00e0m gia t\u0103ng \u00e1p l\u1ef1c t\u00e0i ch\u00ednh l\u00ean ng\u01b0\u1eddi mua v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n
“V\u1ec1 m\u1eb7t qu\u1ea3n l\u00fd r\u1ee7i ro t\u00edn d\u1ee5ng, \u0111\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh t\u00edch c\u1ef1c. B\u1edfi nh\u1eefng kho\u1ea3n ti\u1ec1n cho vay mua B\u0110S c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn n\u1ebfu tr\u1edf th\u00e0nh n\u1ee3 x\u1ea5u s\u1ebd thi\u1ec7t h\u1ea1i r\u1ea5t l\u1edbn \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. NHNN c\u1ea7n c\u00f3 quy \u0111\u1ecbnh r\u00f5 v\u00e0 ki\u1ec3m so\u00e1t, tr\u00e1nh t\u00ecnh tr\u1ea1ng ti\u1ec1n v\u1eabn \u0111\u1ed5 v\u00e0o qua c\u1ea3 k\u00eanh tr\u1ef1c ti\u1ebfp v\u00e0 gi\u00e1n ti\u1ebfp nh\u01b0 k\u00eanh vay ti\u00eau d\u00f9ng ho\u1eb7c x\u00e2y d\u1ef1ng… ” –\u00a0<\/em>LS Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/p>\n

“Vi\u1ec7c si\u1ebft t\u00edn d\u1ee5ng n\u1ebfu th\u1ef1c hi\u1ec7n ch\u1eafc ch\u1eafn s\u1ebd \u1ea3nh h\u01b0\u1edfng t\u1edbi th\u1ecb tr\u01b0\u1eddng ph\u00e2n kh\u00fac cao c\u1ea5p, h\u1ea1n ch\u1ebf c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi ph\u00e2n kh\u00fac cao c\u1ea5p v\u00e0 t\u1ea1o ra xu h\u01b0\u1edbng \u0111\u1ea7u t\u01b0 nhi\u1ec1u h\u01a1n \u1edf c\u00e1c ph\u00e2n kh\u00fac trung c\u1ea5p v\u00e0 b\u00ecnh d\u00e2n. Vi\u1ec7c khuy\u1ebfn kh\u00edch ph\u00e1t tri\u1ec3n c\u00e1c ph\u00e2n kh\u00fac th\u1ea5p h\u01a1n l\u00e0 c\u1ea7n thi\u1ebft, song kh\u00f4ng n\u00ean v\u00ec v\u1eady m\u00e0 ph\u1ea3i hy sinh ph\u00e2n kh\u00fac nh\u00e0 \u1edf cao c\u1ea5p. Do v\u1eady, ch\u00fang ta c\u1ea7n xem x\u00e9t, kh\u00f4ng n\u00ean \u0111\u1ec3 ph\u00e2n kh\u00fac n\u00e0y ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch l\u1ec7ch l\u1ea1c tr\u00ean th\u1ecb tr\u01b0\u1eddng, \u0111\u1eb7c bi\u1ec7t t\u1ea1i c\u00e1c \u0111\u00f4 th\u1ecb l\u1edbn l\u00e0 H\u00e0 N\u1ed9i v\u00e0 TP H\u1ed3 Ch\u00ed Minh.” –\u00a0Ph\u00f3 T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n Vi\u1ec7t Nam\u00a0Nguy\u1ec5n V\u0103n \u0110\u00ednh<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

TR\u00c2M ANH<\/p>\n

—————————————————-<\/p>\n

Kinh t\u1ebf v\u00e0 \u0110\u00f4 th\u1ecb (Kinh t\u1ebf) 23-4-2019:<\/em><\/strong><\/p>\n

http:\/\/kinhtedothi.vn\/siet-tin-dung-bat-dong-san-thi-truong-se-lanh-manh-hon-341499.html<\/em><\/a><\/p>\n

(85\/1.134)<\/em>","protected":false},"excerpt":{"rendered":"

(KT\u0110T) – D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 36\/2014\/TT-NHNN c\u1ee7a NHNN quy \u0111\u1ecbnh c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng vay mua nh\u00e0, \u0111\u1ea5t, c\u0103n h\u1ed9 cao c\u1ea5p t\u1eeb 3 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean s\u1ebd \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro l\u00ean t\u1edbi 150%. Quy \u0111\u1ecbnh n\u00e0y \u0111ang g\u00e2y ra nhi\u1ec1u […]<\/p>\n","protected":false},"author":1,"featured_media":33147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-33146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"\n2.245. 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