{"id":37893,"date":"2023-09-18T06:42:40","date_gmt":"2023-09-17T23:42:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37893"},"modified":"2024-10-21T14:12:46","modified_gmt":"2024-10-21T07:12:46","slug":"4-136-can-nhac-tinh-hieu-qua-khi-vay-tien-ngan-hang-dao-no","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-136-can-nhac-tinh-hieu-qua-khi-vay-tien-ngan-hang-dao-no\/","title":{"rendered":"4.136. C\u00e2n nh\u1eafc t\u00ednh hi\u1ec7u qu\u1ea3 khi vay ti\u1ec1n ng\u00e2n h\u00e0ng ‘\u0111\u1ea3o n\u1ee3'"},"content":{"rendered":"

C\u00e2n nh\u1eafc t\u00ednh hi\u1ec7u qu\u1ea3 khi vay ti\u1ec1n ng\u00e2n h\u00e0ng ‘\u0111\u1ea3o n\u1ee3’<\/span><\/h4>\n
(PLVN) – Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng cho kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 \u1edf ng\u00e2n h\u00e0ng kh\u00e1c c\u00f3 th\u1ec3 t\u1ea1o c\u1ea1nh tranh, l\u00e0 c\u01a1 h\u1ed9i cho kh\u00e1ch h\u00e0ng c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 v\u1edbi l\u00e3i su\u1ea5t vay th\u1ea5p h\u01a1n. Tuy nhi\u00ean, vi\u1ec7c vay ti\u1ec1n \u201c\u0111\u1ea3o n\u1ee3\u201d ti\u1ec1m \u1ea9n kh\u00f4ng \u00edt r\u1ee7i ro c\u1ea7n ph\u1ea3i c\u00e2n nh\u1eafc t\u00ednh hi\u1ec7u qu\u1ea3.<\/strong><\/h5>\n\n\n\n\n
\"vay<\/td>\n<\/tr>\n
Vietcombank – Ng\u00e2n h\u00e0ng ti\u00ean phong cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3. (Ngu\u1ed3n \u1ea3nh: TTXVN)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\u201cCu\u1ed9c \u0111ua\u201d cho vay tr\u1ea3 n\u1ee3<\/strong><\/h5>\n

Sau khi Th\u00f4ng t\u01b0 06\/2023\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng (NH) n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 hi\u1ec7u l\u1ef1c (t\u1eeb 1\/9\/2023), Vietcombank l\u00e0 NH \u0111\u1ea7u ti\u00ean th\u00f4ng b\u00e1o tri\u1ec3n khai ch\u00ednh s\u00e1ch cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n vay v\u1ed1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n kho\u1ea3n vay t\u1ea1i NH kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t cho vay t\u1eeb 6,9%\/n\u0103m. Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay v\u1ed1n l\u00ean \u0111\u1ebfn 30 n\u0103m v\u1edbi s\u1ed1 ti\u1ec1n vay t\u1ed1i \u0111a 100% s\u1ed1 ti\u1ec1n d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay t\u1ea1i NH \u0111ang vay. Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u00e2n h\u1ea1n tr\u1ea3 n\u1ee3 g\u1ed1c t\u1ed1i \u0111a l\u00ean \u0111\u1ebfn 24 th\u00e1ng v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a Vietcombank.<\/p>\n

\u1ede th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, Vietcombank \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cho vay \u01b0u \u0111\u00e3i ch\u1ec9 t\u1eeb 6,9%\/n\u0103m trong 6 th\u00e1ng \u0111\u1ea7u, ho\u1eb7c 7,5%\/n\u0103m trong 12 th\u00e1ng \u0111\u1ea7u, ho\u1eb7c 8%\/n\u0103m trong 24 th\u00e1ng \u0111\u1ea7u. Vietcombank cho bi\u1ebft s\u1ebd \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t cho vay theo t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf.<\/h5>\n

Sau Vietcombank, BIVD c\u0169ng th\u00f4ng tin v\u1ec1 vi\u1ec7c cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 NH kh\u00e1c \u0111\u1ed1i v\u1edbi kho\u1ea3n vay ng\u1eafn h\u1ea1n d\u01b0\u1edbi 12 th\u00e1ng v\u1edbi l\u00e3i su\u1ea5t ch\u1ec9 t\u1eeb 6%\/n\u0103m ho\u1eb7c ch\u1ec9 t\u1eeb 6,8%\/n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay trung d\u00e0i h\u1ea1n t\u1eeb 12 th\u00e1ng tr\u1edf l\u00ean. BIDVcam k\u1ebft m\u1ee9c cho vay l\u00ean t\u1edbi 100% d\u01b0 n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i v\u00e0 ph\u00f9 h\u1ee3p chi ph\u00ed thanh to\u00e1n ti\u1ebfp theo c\u1ee7a ph\u01b0\u01a1ng \u00e1n vay \u0111\u1ed1i v\u1edbi kho\u1ea3n vay t\u1ea1i NH kh\u00e1c, th\u1eddi gian \u00e2n h\u1ea1n g\u1ed1c l\u00ean \u0111\u1ebfn 24 th\u00e1ng v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi gian \u00e2n h\u1ea1n tr\u1ea3 n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay, th\u1eddi h\u1ea1n vay \u0111\u1ebfn 30 n\u0103m v\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay t\u1ea1i NH kh\u00e1c.<\/p>\n

Vietinbank c\u0169ng v\u1eeba th\u00f4ng tin vi\u1ec7c NH \u0111ang tri\u1ec3n khai cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 NH kh\u00e1c, nh\u01b0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t c\u1ef1c k\u1ef3 h\u1ea5p d\u1eabn. C\u1ee5 th\u1ec3, l\u00e3i su\u1ea5t cho vay kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n ch\u1ec9 t\u1eeb 5,6% (vay s\u1ea3n xu\u1ea5t kinh doanh) v\u00e0 ch\u1ec9 t\u1eeb 7,5%\/n\u0103m (\u0111\u1ed1i v\u1edbi vay ti\u00eau d\u00f9ng), m\u1ee9c cho vay l\u00ean t\u1edbi 100% d\u01b0 n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i t\u1ea1i NH kh\u00e1c, \u00e2n h\u1ea1n n\u1ee3 g\u1ed1c l\u00ean t\u1edbi 24 th\u00e1ng, th\u1eddi gian vay t\u1ed1i \u0111a 35 n\u0103m v\u00e0 kh\u00f4ng qu\u00e1 th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a kho\u1ea3n vay t\u1ea1i NH kh\u00e1c\u2026<\/p>\n

T\u01b0\u01a1ng t\u1ef1, Techcombank c\u0169ng tham gia \u201ccu\u1ed9c ch\u01a1i\u201d cho vay tr\u1ea3 n\u1ee3 v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 7,3%\/n\u0103m, \u00e2n h\u1ea1n g\u1ed1c 24 th\u00e1ng. MB th\u00ec tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n kho\u1ea3n vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1eeb NH kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t 8%\/n\u0103m c\u1ed1 \u0111\u1ecbnh trong 12 th\u00e1ng, kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c trong v\u00f2ng 12 th\u00e1ng, th\u1eddi gian vay l\u00ean \u0111\u1ebfn 300 th\u00e1ng v\u00e0 ch\u1ee9ng minh ngu\u1ed3n t\u00e0i tr\u1ee3 m\u1ed9t c\u00e1ch linh ho\u1ea1t, th\u00f4ng qua t\u00e0i s\u1ea3n t\u00edch l\u0169y\u2026 ACB c\u0169ng \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch cho kh\u00e1ch h\u00e0ng vay v\u1ed1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i NH kh\u00e1c v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i d\u00e0nh cho kh\u00e1ch h\u00e0ng vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n n\u0103m \u0111\u1ea7u ti\u00ean l\u00e0 8%\/n\u0103m.<\/p>\n

Ti\u1ec1m \u1ea9n r\u1ee7i ro?<\/strong><\/h5>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean B\u00e1o\u00a0<\/em>Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam<\/em>, Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0cho r\u1eb1ng vi\u1ec7c c\u00e1c NH cho kh\u00e1ch vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 NH kh\u00e1c \u201ckh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c g\u00ec\u201d m\u00e0 ti\u1ec1m \u1ea9n r\u1ee7i ro, c\u1ea3 v\u1ec1 ph\u00eda NH v\u00e0 kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Theo Lu\u1eadt s\u01b0, c\u00e1c NH c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng h\u01a1n, c\u1ea1nh tranh h\u01a1n nh\u01b0ng t\u1ed5ng d\u01b0 n\u1ee3 v\u1eabn th\u1ebf. \u201cTh\u1eadm ch\u00ed c\u1ea1nh tranh kh\u00f4ng l\u00e0nh m\u1ea1nh \u1edf ch\u1ed7 kh\u00f4ng th\u1ec3 c\u00f3 NH l\u1ea1i \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t d\u01b0\u1edbi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng, l\u00e0m cho kh\u00e1ch h\u00e0ng t\u01b0\u1edfng th\u1eadt\u2026\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i. C\u0169ng theo \u00f4ng \u0110\u1ee9c \u201cn\u00f3i l\u00e0 vay, nh\u01b0ng l\u00e0m sao vay \u0111\u01b0\u1ee3c\u201d, v\u00ec v\u1ec1 l\u00fd, kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 n\u1ee3 NH n\u00e0y r\u1ed3i m\u1edbi vay NH kh\u00e1c, ch\u1ee9 kh\u00f4ng c\u00f3 chuy\u1ec7n c\u00f3 d\u01b0 n\u1ee3 b\u00ean kia, b\u00ean n\u00e0y l\u1ea1i cho vay.<\/em><\/p>\n

V\u1ec1 l\u00e3i su\u1ea5t cho vay, theo Lu\u1eadt s\u01b0, v\u1ea5n \u0111\u1ec1 \u1edf ch\u1ed7 ai b\u1ea3o \u0111\u1ea3m c\u00e1c NH sau n\u00e0y kh\u00f4ng t\u0103ng l\u00e3i su\u1ea5t c\u1ee7a kho\u1ea3n vay tr\u1eeb khi c\u00e1c NH cam k\u1ebft duy tr\u00ec m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0 ban \u0111\u1ea7u ho\u1eb7c cam k\u1ebft l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n th\u1ecb tr\u01b0\u1eddng\u2026<\/em><\/p>\n

V\u1ec1 ph\u00ed ph\u1ea1t tr\u1ea3 s\u1edbm, theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, n\u1ebfu t\u1ea5t to\u00e1n kho\u1ea3n vay tr\u01b0\u1edbc h\u1ea1n, NH \u0111\u01b0\u1ee3c ph\u00e9p thu to\u00e0n b\u1ed9 l\u00e3i c\u1ee7a th\u1eddi h\u1ea1n cam k\u1ebft vay, t\u00f9y t\u1eebng NH m\u00e0 m\u1ee9c ph\u00ed ph\u1ea1t t\u1eeb v\u00e0i ph\u1ea7n tr\u0103m \u0111\u1ebfn v\u00e0i ch\u1ee5c ph\u1ea7n tr\u0103m. \u201cTh\u1ef1c t\u1ebf NH n\u00e0o c\u0169ng mu\u1ed1n gi\u1eef kh\u00e1ch h\u00e0ng. Khi th\u1ea5y nguy c\u01a1 m\u1ea5t kh\u00e1ch h\u00e0ng h\u1ecd s\u1ebd \u00e1p d\u1ee5ng m\u1ee9c ph\u00ed t\u1ed1i \u0111a, c\u1ed9ng v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n gi\u1eef ch\u00e2n kh\u00e1c. Do v\u1eady, kh\u00e1ch h\u00e0ng c\u1ea7n h\u1ebft s\u1ee9c c\u00e2n nh\u1eafc t\u00ednh hi\u1ec7u qu\u1ea3 khi \u0111i vay NH kh\u00e1c \u0111\u1ec3 tr\u1ea3 n\u1ee3\u2026\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c \u0111\u01b0a ra l\u1eddi khuy\u00ean.<\/em><\/p>\n

\u0110\u1eb7c bi\u1ec7t, theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, hi\u1ec7n quy \u0111\u1ecbnh v\u1ec1 \u201c\u0111\u1ea3o n\u1ee3\u201d ch\u01b0a r\u00f5 r\u00e0ng (tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c cho vay tr\u1ea3 n\u1ee3, tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng?\u2026). Ngo\u00e0i ra, c\u0169ng kh\u00f4ng lo\u1ea1i tr\u1eeb nguy c\u01a1 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, l\u1ea1i che gi\u1ea5u \u0111\u1ec3 vay NH kh\u00e1c th\u00ec c\u00f2n nguy hi\u1ec3m h\u01a1n v\u00ec kh\u00e1ch h\u00e0ng vay xong l\u00e0 x\u00f3a d\u1ea5u v\u1ebft n\u1ee3 x\u1ea5u\u2026<\/em><\/p>\n

\u201cVi\u1ec7c Th\u00f4ng t\u01b0 06\/2023\/TT-NHNN cho ph\u00e9p NH cho vay \u0111\u1ec3 tr\u1ea3 n\u1ee3, v\u1ec1 l\u00fd thuy\u00eat c\u00f3 th\u1ec3 t\u1ea1o c\u1ea1nh tranh gi\u1eefa c\u00e1c NH, l\u00e0 c\u01a1 h\u1ed9i cho kh\u00e1ch h\u00e0ng c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 v\u1edbi l\u00e3i su\u1ea5t vay th\u1ea5p h\u01a1n. Nh\u01b0ng th\u1ef1c th\u1ebf c\u00f2n nhi\u1ec1u y\u1ebfu t\u1ed1 m\u00e0 c\u1ea3 NH v\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3i c\u00e2n nh\u1eafc\u2026\u201d – Lu\u1eadt s\u01b0 \u0110\u1ee9c \u0111\u01b0a ra l\u1eddi khuy\u00ean.<\/em><\/p>\n

Thanh Thanh<\/strong><\/h5>\n

—————<\/p>\n

Ph\u00e1p lu\u1eadt Vi\u1ec7t Nam (Kinh t\u1ebf) 18-9-2023:<\/em><\/strong><\/p>\n

https:\/\/baophapluat.vn\/can-nhac-tinh-hieu-qua-khi-vay-tien-ngan-hang-dao-no-post488447.html<\/a> <\/em><\/p>\n

(434\/1.068) #TCNH<\/em>","protected":false},"excerpt":{"rendered":"

C\u00e2n nh\u1eafc t\u00ednh hi\u1ec7u qu\u1ea3 khi vay ti\u1ec1n ng\u00e2n h\u00e0ng ‘\u0111\u1ea3o n\u1ee3’ (PLVN) – Vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng cho kh\u00e1ch h\u00e0ng vay \u0111\u1ec3 tr\u1ea3 n\u1ee3 \u1edf ng\u00e2n h\u00e0ng kh\u00e1c c\u00f3 th\u1ec3 t\u1ea1o c\u1ea1nh tranh, l\u00e0 c\u01a1 h\u1ed9i cho kh\u00e1ch h\u00e0ng c\u01a1 c\u1ea5u l\u1ea1i n\u1ee3 v\u1edbi l\u00e3i su\u1ea5t vay th\u1ea5p h\u01a1n. Tuy nhi\u00ean, vi\u1ec7c vay ti\u1ec1n […]<\/p>\n","protected":false},"author":1,"featured_media":37894,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[36],"class_list":["post-37893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.136. 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