{"id":36113,"date":"2023-03-07T20:08:27","date_gmt":"2023-03-07T13:08:27","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36113"},"modified":"2024-12-02T11:04:51","modified_gmt":"2024-12-02T04:04:51","slug":"3-421-chieu-lach-luat-de-cho-vay-nang-lai-cua-f88","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-421-chieu-lach-luat-de-cho-vay-nang-lai-cua-f88\/","title":{"rendered":"3.421. Chi\u00eau &#8216;l\u00e1ch lu\u1eadt&#8217; \u0111\u1ec3 cho vay n\u1eb7ng l\u00e3i c\u1ee7a F88"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Chi\u00eau &#8216;l\u00e1ch lu\u1eadt&#8217; \u0111\u1ec3 cho vay n\u1eb7ng l\u00e3i c\u1ee7a F88<\/span><\/h4>\n<h5><strong>(NTD) &#8211; <\/strong><strong>T\u1eeb h\u00f4m qua (6\/3), c\u00e1c trang truy\u1ec1n th\u00f4ng d\u00f2ng ch\u00ednh \u0111\u1ec1u \u0111\u1ed3ng lo\u1ea1t \u0111\u0103ng tin c\u00f4ng an TP.HCM phong t\u1ecfa, kh\u00e1m x\u00e9t nhi\u1ec1u chi nh\u00e1nh c\u1ee7a C\u00f4ng ty F88 \u1edf tr\u00ean \u0111\u1ecba b\u00e0n. Vi\u1ec7c c\u00f4ng ty t\u00e0i ch\u00ednh F88 b\u1ecb \u0111i\u1ec1u tra kh\u00f4ng g\u00e2y b\u1ea5t ng\u1edd cho t\u1ea5t c\u1ea3 nh\u1eefng ai t\u1eebng c\u00f3 hi\u1ec3u bi\u1ebft \u0111\u00f4i ch\u00fat v\u1ec1 c\u00f4ng ty n\u00e0y.<\/strong><\/h5>\n<div id=\"attachment_36112\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-36112 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-6-450x369.png\" alt=\"Chi\u00eau 'l\u00e1ch lu\u1eadt' \u0111\u1ec3 cho vay n\u1eb7ng l\u00e3i c\u1ee7a F88\" width=\"450\" height=\"369\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-6-450x369.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-6-768x630.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-6.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">H\u00ecnh \u1ea3nh c\u00f4ng an phong to\u1ea3 v\u00e0 kh\u00e1m x\u00e9t c\u00e1c c\u1eeda h\u00e0ng F88 \u1edf TP. HCM (Ngu\u1ed3n: \u1ea2nh ch\u1ee5p m\u00e0n h\u00ecnh t\u1eeb Internet)<\/p><\/div>\n<p>H\u00f4m nay, ng\u00e0y 7\/3, ng\u00e0y th\u1ee9 hai li\u00ean ti\u1ebfp, l\u1ef1c l\u01b0\u1ee3ng ch\u1ee9c n\u0103ng v\u1eabn \u0111ang \u0111i\u1ec1u tra c\u00e1c d\u1ea5u hi\u1ec7u sai ph\u1ea1m c\u1ee7a C\u00f4ng ty F88. T\u1ea1i th\u00e0nh ph\u1ed1 Th\u1ee7 \u0110\u1ee9c, C\u00f4ng an \u0111\u00e3 kh\u00e1m x\u00e9t t\u1ed5ng c\u1ed9ng 16 chi nh\u00e1nh c\u1ee7a c\u00f4ng ty F88 \u1edf c\u00e1c ph\u01b0\u1eddng Linh Xu\u00e2n, Linh Trung, Linh \u0110\u00f4ng, B\u00ecnh Th\u1ecd, Hi\u1ec7p B\u00ecnh Ch\u00e1nh, T\u0103ng Nh\u01a1n Ph\u00fa B, B\u00ecnh Chi\u1ec3u, Long Th\u1ea1nh M\u1ef9, Ph\u01b0\u1edbc Long A, B\u00ecnh Tr\u01b0ng \u0110\u00f4ng\u2026; thu gi\u1eef nhi\u1ec1u t\u00e0i li\u1ec7u v\u00e0 \u0111\u01b0a ng\u01b0\u1eddi v\u1ec1 tr\u1ee5 s\u1edf l\u00e0m vi\u1ec7c, theo\u00a0<em>VOV<\/em>.<\/p>\n<p>C\u0169ng theo trang\u00a0<em>VOV<\/em>, qua ki\u1ec3m tra, m\u1ed9t nh\u00e2n vi\u00ean c\u1ee7a chi nh\u00e1nh F88 t\u1ea1i ph\u01b0\u1eddng Linh Xu\u00e2n c\u00f3 k\u1ebft qu\u1ea3 d\u01b0\u01a1ng t\u00ednh v\u1edbi ma t\u00fay.<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00f3 v\u00e0o s\u00e1ng 6\/3, tr\u1ee5 s\u1edf c\u1ee7a C\u00f4ng ty F88 tr\u00ean \u0111\u01b0\u1eddng Nguy\u1ec5n Oanh, qu\u1eadn G\u00f2 V\u1ea5p, TPHCM \u0111\u00e3 b\u1ecb c\u00f4ng an phong t\u1ecfa, kh\u00e1m x\u00e9t \u0111\u1ec3 \u0111i\u1ec1u tra v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay nh\u1eb1m c\u01b0\u1ee1ng \u0111o\u1ea1t t\u00e0i s\u1ea3n. Chi\u1ec1u c\u00f9ng ng\u00e0y, to\u00e0n b\u1ed9 chi nh\u00e1nh c\u1ee7a F88 \u1edf TPHCM c\u0169ng b\u1ecb c\u00f4ng an kh\u00e1m x\u00e9t.<\/p>\n<p>C\u00f4ng t\u00e0i ch\u00ednh F88 v\u1edbi c\u00e1c qu\u1ea3ng c\u00e1o cho vay nhanh, kho\u1ea3n vay nh\u1ecf, \u0111\u00e3 nhanh ch\u00f3ng m\u1edf r\u1ed9ng chi nh\u00e1nh kh\u1eafp c\u00e1c t\u1ec9nh th\u00e0nh tr\u00ean c\u1ea3 n\u01b0\u1edbc. Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a F88 kh\u00f4ng kh\u00e1c m\u1ed9t ti\u1ec7m c\u1ea7m \u0111\u1ed3 v\u00e0 cho vay n\u1eb7ng l\u00e3i tr\u00ean \u0111\u01b0\u1eddng L\u00e1ng \u1edf H\u00e0 N\u1ed9i c\u00e1ch \u0111\u00e2y 2 &#8211; 3 th\u1eadp k\u1ef7 l\u00e0 bao nhi\u00eau. \u0110i\u1ec1u kh\u00e1c bi\u1ec7t duy nh\u1ea5t l\u00e0 F88 c\u00f4ng khai, \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt th\u1eeba nh\u1eadn.<\/p>\n<p>T\u1eeb khi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ebfn nay, F88 th\u01b0\u1eddng xuy\u00ean b\u1ecb c\u00e1o bu\u1ed9c cho vay n\u1eb7ng l\u00e3i, \u0111\u00f2i n\u1ee3 ki\u1ec3u &#8216;x\u00e3 h\u1ed9i \u0111en&#8217;,&#8230; Tuy nhi\u00ean, t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin n\u00e0y \u0111\u1ec1u d\u1ea7n l\u1eafng xu\u1ed1ng. F88 ng\u00e0y m\u1ed9t m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi, th\u1eadm ch\u00ed huy \u0111\u1ed9ng v\u1ed1n, h\u00e0ng ng\u00e0n t\u1ef7, tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u1edbi s\u1ef1 g\u00f3p m\u1eb7t c\u1ee7a nh\u1eefng nh\u00e2n v\u1eadt n\u1ed5i ti\u1ebfng.<\/p>\n<p>V\u1eady F88 c\u00f3 cho vay n\u1eb7ng l\u00e3i kh\u00f4ng? H\u1ecd c\u00f3 vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u00f2i n\u1ee3 kh\u00f4ng?<\/p>\n<h5><strong>Hai l\u1ed7 h\u1ed5ng ph\u00e1p l\u00fd v\u1ec1 cho vay n\u1eb7ng l\u00e3i<\/strong><\/h5>\n<p>Khung kh\u1ed5 ph\u00e1p lu\u1eadt c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5 v\u1ec1 l\u00e3i su\u1ea5t cho vay \u1edf m\u1ee9c n\u00e0o th\u00ec \u0111\u01b0\u1ee3c coi l\u00e0 cho vay n\u1eb7ng l\u00e3i.<\/p>\n<p>Theo kho\u1ea3n 1, \u0110i\u1ec1u 486, B\u1ed9 Lu\u1eadt D\u00e2n (2015) s\u1ef1 quy \u0111\u1ecbnh:<\/p>\n<p><em>&#8220;1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn.<\/em><br \/>\n<em>Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c. C\u0103n c\u1ee9 t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf v\u00e0 theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7, \u1ee6y ban th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c l\u00e3i su\u1ea5t n\u00f3i tr\u00ean v\u00e0 b\u00e1o c\u00e1o Qu\u1ed1c h\u1ed9i t\u1ea1i k\u1ef3 h\u1ecdp g\u1ea7n nh\u1ea5t.<\/em><br \/>\n<em>Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y th\u00ec m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/em><br \/>\n<em>2. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t v\u00e0 c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 50% m\u1ee9c l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3&#8221;.<\/em><\/p>\n<p>Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t tr\u00ean 20%\/n\u0103m \u0111\u01b0\u1ee3c coi l\u00e0 cho vay n\u1eb7ng l\u00e3i v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 n\u00e0y s\u1ebd kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c. Tuy nhi\u00ean, m\u1ee9c l\u00e3i su\u1ea5t tr\u00ean 20% ch\u01b0a ph\u1ea3i l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 v\u1ec1 cho vay n\u1eb7ng l\u00e3i.<\/p>\n<p>Theo Lu\u1eadt H\u00ecnh s\u1ef1 2015, t\u1ed9i ph\u1ea1m h\u00ecnh s\u1ef1 cho vay n\u1eb7ng l\u00e3i h\u00ecnh th\u00e0nh (\u0110i\u1ec1u 201) n\u1ebfu:<em>\u00a0&#8220;Ng\u01b0\u1eddi n\u00e0o trong giao d\u1ecbch d\u00e2n s\u1ef1 m\u00e0 \u00e1p d\u1ee5ng cho vay v\u1edbi l\u00e3i su\u1ea5t g\u1ea5p 05 l\u1ea7n so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, thu ngu\u1ed3n l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30.000.000 \u0111\u1ed3ng cho \u0111\u1ebfn d\u01b0\u1edbi 100.000.000 \u0111\u1ed3ng, c\u00e1 nh\u00e2n \u0111\u00e3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi n\u00e0y ho\u1eb7c \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 vi ph\u1ea1m t\u1ed9i n\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n m\u00e0 v\u1eabn c\u00f2n ngoan c\u1ed1 vi ph\u1ea1m th\u00ec s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50.000.000 \u0111\u1ed3ng \u0111\u1ebfn 200.000.000 \u0111\u1ed3ng, ho\u1eb7c b\u1ecb ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef l\u00ean \u0111\u1ebfn 03 n\u0103m&#8221;.<\/em><\/p>\n<p>T\u00f3m l\u1ea1i, ph\u1ea3i cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 100%\/n\u0103m th\u00ec m\u1edbi b\u1ecb quy v\u00e0o t\u1ed9i h\u00ecnh s\u1ef1 cho vay n\u1eb7ng l\u00e3i. Ch\u01b0a k\u1ec3, ngu\u1ed3n thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb kho\u1ea3n vay ph\u1ea3i t\u1eeb 30 tri\u1ec7u \u0111\u1ed3ng t\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<h5>L\u1ed7 h\u1ed5ng c\u1ee7a khung kh\u1ed5 ph\u00e1p l\u00fd c\u1ee7a Vi\u1ec7t Nam v\u1ec1 cho vay n\u1eb7ng l\u00e3i c\u00f3 hai v\u1ea5n \u0111\u1ec1:<\/h5>\n<p><em>Th\u1ee9 nh\u1ea5t,<\/em>\u00a0tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n kh\u00e1c khi cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t t\u1eeb tr\u00ean 20% \u0111\u1ebfn d\u01b0\u1edbi 100%\/n\u0103m, tuy vi ph\u1ea1m \u0111i\u1ec1u c\u1ea5m c\u1ee7a lu\u1eadt nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, v\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t. Ch\u1eb3ng h\u1ea1n, tr\u01b0\u1eddng h\u1ee3p c\u01a1 s\u1edf c\u1ea7m \u0111\u1ed3 cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t &#8220;v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m cho vay&#8221; th\u00ec c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh, nh\u01b0ng quy \u0111\u1ecbnh &#8220;v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n&#8221; \u0111\u00e3 h\u1ebft hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2017 theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 468 v\u1ec1 &#8220;L\u00e3i su\u1ea5t&#8221;, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015;<\/p>\n<p><em>Th\u1ee9 hai,<\/em>\u00a0lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay m\u00e0 kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh, \u0111\u1ecbnh ngh\u0129a l\u00e3i su\u1ea5t \u0111\u00f3 n\u00ean bao g\u1ed3m c\u1ea3 l\u00e3i su\u1ea5t danh ngh\u0129a c\u1ee7a kho\u1ea3n vay v\u00e0 c\u00e1c chi ph\u00ed \u0111i k\u00e8m kho\u1ea3n vay \u0111\u00f3. Ho\u1eb7c \u00edt nh\u1ea5t, c\u00e1c chi ph\u00ed ph\u00e1t sinh quanh kho\u1ea3n vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qua m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m nh\u1ea5t \u0111\u1ecbnh c\u1ee7a kho\u1ea3n vay, ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh m\u1ed9t l\u1ea7n v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 nh\u01b0 l\u00e3i su\u1ea5t h\u00e0ng th\u00e1ng.<\/p>\n<p>D\u1ef1a v\u00e0o hai l\u1ed7 h\u1ed5ng n\u00e0y c\u1ee7a lu\u1eadt ph\u00e1p, F88 \u0111\u00e3 cho vay n\u1eb7ng l\u00e3i theo \u0111\u00fang ngh\u0129a nh\u01b0ng l\u1ea1i kh\u00f4ng b\u1ecb &#8216;s\u1edd g\u00e1y&#8217;.<\/p>\n<h5><strong>F88 t\u1eadn d\u1ee5ng tri\u1ec7t \u0111\u1ec3<\/strong><\/h5>\n<p>Ch\u1eafc ch\u1eafn m\u1ed9t \u0111i\u1ec1u, h\u1ea7u h\u1ebft (ch\u01b0a n\u00f3i l\u00e0 t\u1ea5t c\u1ea3) c\u00e1c kho\u1ea3n vay c\u1ee7a F88 \u0111\u1ec1u v\u01b0\u1ee3t m\u1ee9c 20%\/n\u0103m; m\u1ee9c m\u00e0 theo Lu\u1eadt D\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c xem l\u00e0 &#8216;n\u1eb7ng l\u00e3i&#8217;, l\u00e0 l\u1eb1n ranh \u0111\u1ecf; l\u00e3i su\u1ea5t tr\u00ean m\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 v\u00f4 hi\u1ec7u.<\/p>\n<p>Ch\u01b0a k\u1ec3, cu\u1ed1i n\u0103m 2021, F88 c\u00f2n ngang nhi\u00ean qu\u1ea3ng c\u00e1o s\u1ea3n ph\u1ea9m cho vay v\u1edbi m\u1ee9c chi ph\u00ed vay (l\u00e3i vay v\u00e0 chi ph\u00ed vay) l\u00ean t\u1edbi 90%\/n\u0103m; m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ea3m b\u1ea3o ch\u01b0a ch\u1ea1m m\u1ee9c 100%\/n\u0103m \u0111\u1ec3 c\u00f3 th\u1ec3 b\u1ecb quy v\u00e0o t\u1ed9i h\u00ecnh s\u1ef1 cho vay n\u1eb7ng l\u00e3i nh\u01b0ng \u0111\u00e3 vi ph\u1ea1m Lu\u1eadt D\u00e2n s\u1ef1 v\u1ec1 cho vay n\u1eb7ng l\u00e3i.<\/p>\n<p>Theo th\u00f4ng c\u00e1o c\u1ee7a Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng, \u0111\u00e2y l\u00e0 b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u c\u1ee7a doanh nghi\u1ec7p n\u00e0y trong qu\u00e1 tr\u00ecnh thi\u1ebft l\u1eadp h\u1ec7 sinh th\u00e1i b\u00e1n l\u1ebb t\u00edch h\u1ee3p t\u00e0i ch\u00ednh v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng kh\u00e1c, s\u1eb5n s\u00e0ng ph\u1ee5c v\u1ee5 m\u1ecdi nhu c\u1ea7u kh\u00e1ch h\u00e0ng t\u1ea1i m\u1ed9t \u0111i\u1ec3m \u0111\u1ebfn.<\/p>\n<p>Theo<em>\u00a0B\u00e1o Ng\u01b0\u1eddi Lao \u0110\u1ed9ng<\/em>, g\u00f3i s\u1ea3n ph\u1ea9m cho vay ti\u1ec1n m\u1eb7t do F88 cung c\u1ea5p kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i ph\u00e1t sinh b\u1ea5t c\u1ee9 ho\u1ea1t \u0111\u1ed9ng mua s\u1eafm n\u00e0o t\u1ea1i Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng. D\u00f9 v\u1eady, ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ch\u1ee9ng minh th\u01b0 ho\u1eb7c c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n v\u00e0 c\u00e0 v\u1eb9t xe (gi\u1ea5y \u0111\u0103ng k\u00fd xe m\u00e1y) \u0111\u1ee9ng t\u00ean ch\u00ednh ch\u1ee7. Th\u1ef1c ch\u1ea5t \u0111\u00e2y c\u0169ng l\u00e0 c\u00e1ch l\u00e0m \u1edf c\u00e1c ti\u1ec7m c\u1ea7m \u0111\u1ed3.<\/p>\n<p>H\u1ea1n m\u1ee9c vay t\u1ed1i \u0111a cho d\u1ecbch v\u1ee5 n\u00e0y l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng\/giao d\u1ecbch, ti\u1ec1n g\u1ed1c v\u00e0 chi ph\u00ed vay \u0111\u01b0\u1ee3c tr\u1ea3 \u0111\u1ec1u trong v\u00f2ng 12 th\u00e1ng v\u1edbi chi ph\u00ed vay 7,5%\/th\u00e1ng, ph\u00ed ph\u1ea1t t\u1ea5t to\u00e1n s\u1edbm tr\u01b0\u1edbc h\u1ea1n l\u00e0 5% nh\u00e2n s\u1ed1 ti\u1ec1n g\u1ed1c c\u00f2n l\u1ea1i. Ph\u00ed ph\u1ea1t qu\u00e1 h\u1ea1n l\u00e0 50.000 \u0111\u1ed3ng m\u1ed7i ng\u00e0y v\u00e0 t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 150.000 \u0111\u1ed3ng tr\u00ean 1 k\u1ef3 qu\u00e1 h\u1ea1n.<\/p>\n<p>Tuy nhi\u00ean, \u0111\u1ec3 l\u00e1ch lu\u1eadt v\u1ec1 cho vay n\u1eb7ng l\u00e3i, F88 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t kho\u1ea3n vay l\u00e0 1,1%\/th\u00e1ng nh\u01b0ng c\u00e1c lo\u1ea1i ph\u00ed b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n, ph\u00ed th\u1ea9m \u0111\u1ecbnh&#8230; t\u1ed5ng v\u00e0o l\u1ea1i l\u00ean t\u1edbi 6,4%\/th\u00e1ng. \u0110\u00e1ng l\u1ebd, c\u00e1c lo\u1ea1i ph\u00ed n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c thu m\u1ed9t l\u1ea7n, nh\u01b0ng F88 ngang nhi\u00ean thu theo th\u00e1ng nh\u01b0 kho\u1ea3n l\u00e3i vay.<\/p>\n<p>Ch\u1ec9 b\u1eb1ng c\u00e1ch \u0111\u1eb7t t\u00ean g\u1ecdi kh\u00e1c \u0111i, F88 cho r\u1eb1ng h\u1ecd \u0111\u00e3 &#8220;l\u00e1ch lu\u1eadt&#8221; th\u00e0nh c\u00f4ng; kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 tr\u1ea7n l\u00e3i su\u1ea5t 20% theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt D\u00e2n s\u1ef1!<\/p>\n<p>Sau khi c\u00f4ng b\u1ed1, th\u00f4ng tin v\u1ec1 l\u00e3i v\u00e0 ph\u00ed vay c\u1ee7a F88 \u0111\u00e3 th\u00fac \u0111\u1ea9y m\u1ed9t cu\u1ed9c th\u1ea3o lu\u1eadn tr\u00ean m\u1ea1ng v\u00ec m\u1ee9c ph\u00ed vay nh\u01b0 v\u1eady kh\u00f4ng kh\u00e1c m\u1ea5y m\u1ee9c ph\u00ed ph\u1ea3i tr\u1ea3 khi c\u1ea7m \u0111\u1ed3 \u1edf ch\u1ee3 \u0111en.<\/p>\n<p><em>Trang\u00a0<\/em><em>Vietnam Biz<\/em><em> ph\u1ecfng v\u1ea5n <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>\u00a0v\u1ec1 s\u1ea3n ph\u1ea9m n\u00e0y c\u1ee7a F88, Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft: &#8220;M\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh l\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m. C\u00e1c kho\u1ea3n ph\u00ed kh\u00e1c li\u00ean quan th\u00ec ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/em>&#8220;.\u00a0<em><strong>Nh\u01b0 v\u1eady, n\u1ebfu t\u00ednh m\u1ee9c l\u00e3i su\u1ea5t 1,1%\/th\u00e1ng m\u00e0 F88 \u0111\u01b0a ra th\u00ec ch\u01b0a vi ph\u1ea1m quy \u0111\u1ecbnh.<\/strong><\/em><\/p>\n<p><em>Chia s\u1ebb th\u00eam v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt m\u1ecdi tr\u01b0\u1eddng h\u1ee3p cho vay b\u00ean ngo\u00e0i h\u1ec7 th\u1ed1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, n\u1ebfu c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m \u0111\u1ec1u l\u00e0 b\u1ea5t h\u1ee3p ph\u00e1p. Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 20% th\u00ec &#8220;m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c&#8221;.<\/em><\/p>\n<p>R\u00f5 r\u00e0ng, l\u1ed7 h\u1ed5ng trong Lu\u1eadt D\u00e2n s\u1ef1 2015 v\u00e0 Lu\u1eadt H\u00ecnh s\u1ef1 2015 v\u1ec1 &#8220;l\u00e3i su\u1ea5t&#8221; kh\u00f4ng \u0111\u1ecbnh ngh\u0129a bao g\u1ed3m c\u1ea3 l\u00e3i cho vay v\u00e0 ph\u00ed cho vay \u0111\u00e3 gi\u00fap F88 l\u1ee3i d\u1ee5ng tri\u1ec7t \u0111\u1ec3. V\u1edbi kho\u1ea3n chi ph\u00ed vay t\u1edbi 7,5%\/th\u00e1ng nh\u01b0 c\u00f4ng b\u1ed1; F88 t\u00e1ch th\u00e0nh 1,1% l\u00e0 l\u00e3i su\u1ea5t v\u00e0 6,4% c\u00f2n l\u1ea1i l\u00e0 ph\u00ed. Vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 gi\u00fap F88, tr\u00ean b\u1ec1 m\u1eb7t, t\u1ea1m th\u1eddi n\u00e9 tr\u00e1nh t\u1ed9i &#8220;cho vay n\u1eb7ng l\u00e3i&#8221; v\u00e0 tr\u00e1nh b\u1ecb tu\u00fdt c\u00f2i. Nh\u01b0ng b\u1ea3n ch\u1ea5t c\u1ea7m \u0111\u1ed3 cho vay n\u1eb7ng l\u00e3i, ch\u01b0a n\u00f3i \u0111\u1ebfn \u0111\u00f2i n\u1ee3 ki\u1ec3u x\u00e3 h\u1ed9i \u0111en, c\u0169ng kh\u00f4ng th\u1ec3 che gi\u1ea5u.<\/p>\n<h5><strong>F88 l\u1edbn nhanh nh\u01b0 Th\u00e1nh Gi\u00f3ng<\/strong><\/h5>\n<p>C\u00f4ng ty F88 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 2013, ho\u1ea1t \u0111\u1ed9ng ch\u00ednh \u1edf m\u1ea3ng cho vay ti\u1ec1n, c\u1ea7m \u0111\u1ed3. Ch\u1ec9 trong v\u00f2ng 1 th\u1eadp k\u1ef7, F88 nhanh ch\u00f3ng l\u1edbn m\u1ea1nh, m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u1ea7m \u0111\u1ed3 kh\u1eafp c\u1ea3 n\u01b0\u1edbc. Hi\u1ec7n nay, F88 l\u00e0 chu\u1ed7i c\u1ea7m \u0111\u1ed3, cho vay ti\u1ec1n l\u1edbn nh\u1ea5t n\u01b0\u1edbc, v\u1edbi kho\u1ea3ng 800 c\u1eeda h\u00e0ng v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng tr\u00ean to\u00e0n qu\u1ed1c.<\/p>\n<p>\u0110\u1ec3 m\u1edf r\u1ed9ng \u0111i\u1ec3m c\u1ea7m \u0111\u1ed3, F88 \u0111\u00e3 ch\u00ednh th\u1ee9c h\u1ee3p t\u00e1c v\u1edbi Th\u1ebf Gi\u1edbi Di \u0111\u1ed9ng. Theo \u0111\u00f3, 2 b\u00ean s\u1ebd h\u1ee3p t\u00e1c \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ti\u1ec1n m\u1eb7t t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng b\u00e1n l\u1ebb thu\u1ed9c 2 chu\u1ed7i Th\u1ebf Gi\u1edbi Di \u0110\u1ed9ng v\u00e0 \u0110i\u1ec7n M\u00e1y Xanh.<\/p>\n<p>Ngo\u00e0i ra, F88 c\u0169ng m\u1edf r\u1ed9ng h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf CIMB, KBank chi nh\u00e1nh TP.HCM \u0111\u1ec3 c\u00f9ng tri\u1ec3n khai c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n<p>S\u1ef1 m\u1edf r\u1ed9ng nhanh ch\u00f3ng c\u1ee7a F88 g\u1eafn li\u1ec1n v\u1edbi kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n li\u00ean t\u1ee5c, c\u1ea3 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc; h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng t\u1eeb c\u00e1c qu\u1ef9 qu\u1ed1c t\u1ebf v\u00e0 c\u1ea3 d\u00f2ng ti\u1ec1n t\u1eeb huy \u0111\u1ed9ng tr\u00e1i phi\u1ebfu.<\/p>\n<p>Theo\u00a0<em>Zing<\/em>, giai \u0111o\u1ea1n 2017-2018, F88 \u0111\u00e3 k\u00eau g\u1ecdi th\u00e0nh c\u00f4ng v\u00f2ng g\u1ecdi v\u1ed1n \u0111\u1ea7u ti\u00ean (serie A) t\u1eeb Qu\u1ef9 Mekong Enterprise Fund III v\u00e0 v\u00f2ng ti\u1ebfp theo (serie B) t\u1eeb Qu\u1ef9 Granite Oak ngay sau \u0111\u00f3. Trong n\u0103m 2022, F88 ti\u1ebfp t\u1ee5c nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n huy \u0111\u1ed9ng\u00a070 tri\u1ec7u USD\u00a0t\u1eeb c\u00e1c qu\u1ef9 t\u00e0i ch\u00ednh CLSA Capital Partners (HK) Limited (Lending Ark) v\u00e0 Lendable Group (London, Anh).<\/p>\n<p>\u0110\u1ebfn ng\u00e0y 2\/3, ch\u1ec9 v\u00e0i ng\u00e0y tr\u01b0\u1edbc \u0111\u1ed9ng th\u00e1i kh\u00e1m x\u00e9t c\u1ee7a C\u00f4ng an, chu\u1ed7i c\u1ea7m \u0111\u1ed3 huy \u0111\u1ed9ng th\u00e0nh c\u00f4ng kho\u1ea3n \u0111\u1ea7u t\u01b0\u00a050 tri\u1ec7u USD\u00a0trong v\u00f2ng g\u1ecdi v\u1ed1n Series C v\u1edbi hai nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u00ednh l\u00e0 Qu\u1ef9 Vi\u1ec7t Nam &#8211; Oman (VOI) v\u00e0 Qu\u1ef9 Mekong Enterprise Fund IV (MEF IV).<\/p>\n<p>Trong k\u1ebf ho\u1ea1ch, n\u0103m 2023 d\u1ef1 ki\u1ebfn doanh nghi\u1ec7p n\u00e0y s\u1ebd gi\u1ea3i ng\u00e2n x\u1ea5p x\u1ec9\u00a01 t\u1ef7 USD, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng\u00a022.000 t\u1ef7 \u0111\u1ed3ng. F88 d\u1ef1 \u0111\u1ecbnh\u00a0ch\u00ednh th\u1ee9c IPO v\u00e0o n\u0103m 2024 v\u1edbi quy m\u00f4 v\u1ed1n h\u00f3a \u0111\u1ea1t\u00a01 t\u1ef7 USD, h\u1ec7 th\u1ed1ng ph\u00f2ng giao d\u1ecbch \u0111\u1ea1t 1.400 ph\u00f2ng; g\u1ea7n g\u1ea5p \u0111\u00f4i \u0111i\u1ec3m giao d\u1ecbch hi\u1ec7n c\u00f3 (l\u00e0 800 c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 tr\u00ean to\u00e0n qu\u1ed1c).<\/p>\n<p>Tham v\u1ecdng c\u1ee7a F88 l\u00e0 n\u0103m 2023 tr\u1edf th\u00e0nh t\u1eadp \u0111o\u00e0n cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 1 Vi\u1ec7t Nam, s\u1edf h\u1eefu 1000 c\u1eeda h\u00e0ng tr\u00ean 63 t\u1ec9nh th\u00e0nh ph\u1ed1 tr\u00ean to\u00e0n qu\u1ed1c. N\u0103m 2025, c\u00f4ng ty n\u00e0y d\u1ef1 ki\u1ebfn t\u0103ng s\u1ed1 c\u1eeda h\u00e0ng l\u00ean 1.700.<\/p>\n<h5><strong>Quang Nh\u1eadt<\/strong><\/h5>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Ng\u01b0\u1eddi ti\u00eau d\u00f9ng (Kinh doanh) 07-3-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/www.ntdvn.net\/kinh-te\/chieu-lach-luat-de-cho-vay-nang-lai-cua-f88-425236.html\">https:\/\/www.ntdvn.net\/kinh-te\/chieu-lach-luat-de-cho-vay-nang-lai-cua-f88-425236.html<\/a><\/em><\/p>\n<p><em>(137\/2.248) #F88 #<\/em>","protected":false},"excerpt":{"rendered":"<p>Chi\u00eau &#8216;l\u00e1ch lu\u1eadt&#8217; \u0111\u1ec3 cho vay n\u1eb7ng l\u00e3i c\u1ee7a F88 (NTD) &#8211; T\u1eeb h\u00f4m qua (6\/3), c\u00e1c trang truy\u1ec1n th\u00f4ng d\u00f2ng ch\u00ednh \u0111\u1ec1u \u0111\u1ed3ng lo\u1ea1t \u0111\u0103ng tin c\u00f4ng an TP.HCM phong t\u1ecfa, kh\u00e1m x\u00e9t nhi\u1ec1u chi nh\u00e1nh c\u1ee7a C\u00f4ng ty F88 \u1edf tr\u00ean \u0111\u1ecba b\u00e0n. Vi\u1ec7c c\u00f4ng ty t\u00e0i ch\u00ednh F88 b\u1ecb \u0111i\u1ec1u tra kh\u00f4ng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[50,36],"class_list":["post-36113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dan-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.421. 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