{"id":38888,"date":"2024-01-31T16:14:39","date_gmt":"2024-01-31T09:14:39","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38888"},"modified":"2024-10-10T10:46:01","modified_gmt":"2024-10-10T03:46:01","slug":"4-235-thong-tu-so-22-2023-tt-nhnn-khong-lam-kho-nguoi-mua-nha","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-235-thong-tu-so-22-2023-tt-nhnn-khong-lam-kho-nguoi-mua-nha\/","title":{"rendered":"4.235. Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN kh\u00f4ng l\u00e0m kh\u00f3 ng\u01b0\u1eddi mua nh\u00e0"},"content":{"rendered":"

Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN kh\u00f4ng l\u00e0m kh\u00f3 ng\u01b0\u1eddi mua nh\u00e0<\/span><\/h4>\n
(TCTC) – Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh h\u1ec7 s\u1ed1 r\u1ee7i ro cho kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 \u1edf, kh\u00f4ng c\u1ea5m vi\u1ec7c vay ti\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/em><\/h5>\n

\"Th\u00f4ng<\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN ph\u00e2n \u0111\u1ecbnh kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0.<\/p>\n

Ng\u00e0y 29\/12\/2023, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN ng\u00e0y 30\/12\/2016 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

Gi\u1edbi kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u201cd\u1eady s\u00f3ng\u201d<\/strong><\/h5>\n

Th\u00f4ng t\u01b0 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7\/2024, v\u1edbi nhi\u1ec1u n\u1ed9i dung m\u1edbi. Trong \u0111\u00f3 c\u00f3 \u0110i\u1ec3m a, kho\u1ea3n 1 \u0110i\u1ec1u 1 v\u1ec1 “kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 l\u00e0 kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n \u0111\u1ec3 mua nh\u00e0”.<\/p>\n

Tuy nhi\u00ean, m\u1edbi \u0111\u00e2y, Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TP. H\u1ed3 Ch\u00ed Minh (HoREA) \u0111\u00e3 c\u00f3 \u00fd ki\u1ebfn quan ng\u1ea1i v\u1ec1 quy \u0111\u1ecbnh n\u00e0y. Theo HoREA, m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN c\u00f3 th\u1ec3 g\u00e2y h\u1eadu qu\u1ea3 ti\u00eau c\u1ef1c \u0111\u1ebfn ti\u1ebfn tr\u00ecnh ph\u1ee5c h\u1ed3i v\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ea3 tr\u01b0\u1edbc m\u1eaft v\u00e0 v\u1ec1 l\u00e2u d\u00e0i.<\/p>\n

C\u1ee5 th\u1ec3, HoREA quan ng\u1ea1i s\u00e2u s\u1eafc v\u1ec1 quy \u0111\u1ecbnh t\u1ea1i: \u201ckho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n \u0111\u1ec3 mua nh\u00e0\u201d bao g\u1ed3m nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i th\u00ec ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ch\u1ec9 \u0111\u01b0\u1ee3c cho c\u00e1 nh\u00e2n vay \u0111\u1ec3 mua nh\u00e0 \u201c\u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao\u201d t\u1ee9c l\u00e0 \u201cnh\u00e0 \u1edf c\u00f3 s\u1eb5n\u201d, trong \u0111\u00f3 c\u00f3 tr\u01b0\u1eddng h\u1ee3p c\u00e1 nh\u00e2n vay t\u00edn d\u1ee5ng \u0111\u1ec3 mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u201cb\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u201d l\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u0111\u00f3 th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p \u201cnh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao\u201d, t\u1ee9c l\u00e0 \u201cnh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i c\u00f3 s\u1eb5n\u201d m\u00e0 th\u00f4i.<\/p>\n

<\/h6>\n

\u201cNh\u01b0 v\u1eady, Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN kh\u00f4ng cho ph\u00e9p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho c\u00e1 nh\u00e2n vay \u0111\u1ec3 mua \u201cnh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao (t\u1ee9c l\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai\u201d) \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m (th\u1ebf ch\u1ea5p) b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3, n\u00ean c\u00e1 nh\u00e2n mu\u1ed1n \u0111\u01b0\u1ee3c vay t\u00edn d\u1ee5ng \u0111\u1ec3 mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u201ch\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai\u201d th\u00ec ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m kh\u00e1c ho\u1eb7c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c\u201d, HoREA lo ng\u1ea1i.<\/p>\n

Theo \u0111\u00f3, Hi\u1ec7p h\u1ed9i \u0111\u1ec1 ngh\u1ecb s\u1eeda \u0111\u1ed5i, b\u1ed5 sung kho\u1ea3n 11 \u0110i\u1ec1u 2 Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 1 Th\u00f4ng t\u01b0 22\/2023\/TT-NHNN) theo h\u01b0\u1edbng b\u1ed5 sung quy \u0111\u1ecbnh cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho c\u00e1 nh\u00e2n vay t\u00edn d\u1ee5ng \u0111\u1ec3 mua \u201cnh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai\u201d \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m (th\u1ebf ch\u1ea5p) b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3.<\/p>\n

Vi\u1ec7c b\u1ed5 sung n\u00e0y nh\u1eb1m ho\u00e0n thi\u1ec7n l\u1ea1i kho\u1ea3n 11 \u0110i\u1ec1u 2 Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN cho ph\u00e9p t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng cho c\u00e1 nh\u00e2n vay t\u00edn d\u1ee5ng \u0111\u1ec3 mua \u201cnh\u00e0 \u1edf c\u00f3 s\u1eb5n ho\u1eb7c nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai\u201d \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m (th\u1ebf ch\u1ea5p) b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3, \u00e1p d\u1ee5ng cho c\u1ea3 tr\u01b0\u1eddng h\u1ee3p mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i \u201c\u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0\u201d (nh\u00e0 \u1edf \u201cc\u00f3 s\u1eb5n\u201d) ho\u1eb7c mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i \u201cch\u01b0a \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0\u201d (nh\u00e0 \u1edf \u201ch\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai\u201d) \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m (th\u1ebf ch\u1ea5p) b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3.<\/p>\n

Chuy\u00ean gia ph\u00e1p l\u00fd n\u00f3i g\u00ec?<\/strong><\/h5>\n

Theo 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>, Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN c\u00f3 s\u1eeda \u0110i\u1ec1u 2 kho\u1ea3n 11 Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN ch\u1ec9 l\u00e0 \u0111\u1ec3 ph\u00e2n \u0111\u1ecbnh th\u1ebf n\u00e0o l\u00e0 kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 (v\u1edbi t\u00e0i s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh); kh\u00f4ng quy \u0111\u1ecbnh v\u1edbi vi\u1ec7c cho vay mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Vi\u1ec7c cho vay \u0111\u1ec3 mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai v\u1eabn th\u1ef1c hi\u1ec7n \u1ed5n \u0111\u1ecbnh theo Th\u00f4ng t\u01b0 s\u1ed1 26\/2015\/TT-NHNN ng\u00e0y 09\/12\/2015 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/em><\/p>\n

\u201cTh\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng m\u1edf h\u01a1n, l\u1ecfng h\u01a1n, c\u01a1i n\u1edbi h\u01a1n ch\u1ee9 kh\u00f4ng h\u1ec1 c\u1ea5m hay th\u1eaft ch\u1eb7t. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn quan ng\u1ea1i hi\u1ec7n nay \u0111ang nh\u1ea7m t\u1eeb h\u1ec7 s\u1ed1 r\u1ee7i ro sang \u0111i\u1ec1u ki\u1ec7n cho vay nh\u00e0 tr\u00ean gi\u1ea5y\u201d, Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

\u00d4ng Nguy\u1ec5n V\u0103n \u0110\u1ec9nh \u2013 Chuy\u00ean gia ph\u00e1p l\u00fd B\u1ea5t \u0111\u1ed9ng s\u1ea3n cho r\u1eb1ng, Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u01b0\u1ee3c ban h\u00e0nh \u0111\u1ec3 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i. Nh\u01b0 v\u1eady, b\u1ea3n th\u00e2n Th\u00f4ng t\u01b0 s\u1ed1 41\/2016\/TT-NHNN c\u0169ng nh\u01b0 n\u1ed9i dung s\u1eeda \u0111\u1ed5i c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN ch\u1ec9 h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

<\/h6>\n

M\u1eb7t kh\u00e1c, Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i kho\u1ea3n 11 \u0110i\u1ec1u 2 Th\u00f4ng t\u01b0 41\/2016 (quy \u0111\u1ecbnh v\u1ec1 Kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0), kh\u00f4ng s\u1eeda kho\u1ea3n 10 \u0110i\u1ec1u 2: \u201c10. Kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 kho\u1ea3n cho vay \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n, ph\u00e1p nh\u00e2n \u0111\u1ec3 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n, th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng ch\u00ednh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb kho\u1ea3n cho vay theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch \u0111\u1ea3m b\u1ea3o.\u201d<\/p>\n

Nh\u01b0 v\u1eady, n\u1ebfu th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u1ec3 vay mua nh\u00e0 th\u00ec th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh v\u1ec1 Kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n; kh\u00f4ng th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh v\u1ec1 Kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0.<\/p>\n

“R\u00f5 r\u00e0ng, quy \u0111\u1ecbnh c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quan h\u1ec7 vay v\u1ed1n \u0111\u1ec3 mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai nh\u01b0 m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn lo ng\u1ea1i”, \u00f4ng \u0110\u1ec9nh cho bi\u1ebft.<\/p>\n

Tu\u1ea5n Th\u1ee7y<\/strong><\/p>\n

—————<\/p>\n

T\u1ea1p ch\u00ed T\u00e0i ch\u00ednh (B\u1ea3o hi\u1ec3m \u2013 Ng\u00e2n h\u00e0ng) ng\u00e0y 31-01-2024:<\/em><\/strong><\/p>\n

https:\/\/tapchitaichinh.vn\/thong-tu-so-22-2023-tt-nhnn-khong-lam-kho-nguoi-mua-nha.html<\/a> <\/em><\/p>\n

(145\/1.076)<\/em>","protected":false},"excerpt":{"rendered":"

Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN kh\u00f4ng l\u00e0m kh\u00f3 ng\u01b0\u1eddi mua nh\u00e0 (TCTC) – Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh h\u1ec7 s\u1ed1 r\u1ee7i ro cho kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 \u1edf, kh\u00f4ng c\u1ea5m vi\u1ec7c vay ti\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN ph\u00e2n \u0111\u1ecbnh kho\u1ea3n cho vay th\u1ebf […]<\/p>\n","protected":false},"author":2,"featured_media":38889,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[42,36],"class_list":["post-38888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.235. 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