{"id":38904,"date":"2024-02-01T16:44:45","date_gmt":"2024-02-01T09:44:45","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38904"},"modified":"2024-10-09T17:02:21","modified_gmt":"2024-10-09T10:02:21","slug":"3-656-thong-tu-22-khong-han-che-quyen-mua-nha-o-hinh-thanh-trong-tuong-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-656-thong-tu-22-khong-han-che-quyen-mua-nha-o-hinh-thanh-trong-tuong-lai\/","title":{"rendered":"3.656. Th\u00f4ng t\u01b0 22 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai"},"content":{"rendered":"

Th\u00f4ng t\u01b0 22 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai<\/span><\/h4>\n
(Bnews) – Th\u00f4ng t\u01b0 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 41\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 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 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/h5>\n

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

Chung c\u01b0 \u1edf H\u00e0 N\u1ed9i. \u1ea2nh: Minh Ngh\u0129a\/TTXVN<\/em><\/p>\n

Chi\u1ec1u 31\/1, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft,\u00a0Th\u00f4ng t\u01b0 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 41\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 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 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho bi\u1ebft, t\u1ea1i Kho\u1ea3n 10 \u0110i\u1ec1u 2\u00a0Th\u00f4ng t\u01b0 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\u00a0do Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh quy \u0111\u1ecbnh: “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”.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u1eb3ng \u0111\u1ecbnh, Th\u00f4ng t\u01b0 22 kh\u00f4ng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u1ed9i dung n\u00e0y. T\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u mua nh\u00e0 v\u00e0 b\u1ea3o \u0111\u1ea3m (th\u1ebf ch\u1ea5p) ch\u00ednh nh\u00e0 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai n\u00e0y \u00e1p d\u1ee5ng h\u1ec7 s\u1ed1 r\u1ee7i ro t\u1eeb 30%-120% ph\u1ee5 thu\u1ed9c v\u00e0o t\u1ef7 l\u1ec7 b\u1ea3o \u0111\u1ea3m (LTV) \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ef7 l\u1ec7 s\u1ed1 d\u01b0 kho\u1ea3n cho vay so v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n

Theo \u0111\u00f3, kho\u1ea3n 1 \u0110i\u1ec1u 1 Th\u00f4ng t\u01b0 22 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung nh\u01b0 sau: 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, bao g\u1ed3m kho\u1ea3n\u00a0cho 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 \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau: Ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 kh\u00f4ng ph\u1ea3i l\u00e0 ngu\u1ed3n ti\u1ec1n cho thu\u00ea nh\u00e0 h\u00ecnh th\u00e0nh t\u1eeb kho\u1ea3n cho vay.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, nh\u00e0 \u0111\u00e3 ho\u00e0n th\u00e0nh theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0; ng\u00e2n h\u00e0ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n h\u1ee3p ph\u00e1p \u0111\u1ec3 x\u1eed l\u00fd nh\u00e0 th\u1ebf ch\u1ea5p khi kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch \u0111\u1ea3m b\u1ea3o; nh\u00e0 h\u00ecnh th\u00e0nh t\u1eeb kho\u1ea3n cho vay th\u1ebf ch\u1ea5p n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp.<\/p>\n

Th\u00f4ng t\u01b0 c\u0169ng n\u00eau r\u00f5, kho\u1ea3n cho vay \u0111\u1ec3 mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 nh\u00e0 \u1edf \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n:\u00a0\u0110\u1ed1i v\u1edbi kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 s\u1ebd bao g\u1ed3m kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 \u0111\u1ec3 mua nh\u00e0 \u1edf \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh trong \u0111\u00f3 c\u00f3 \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao v\u00e0 kho\u1ea3n cho vay \u0111\u1ec3 mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

V\u1edbi kho\u1ea3n cho vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7, kh\u00f4ng ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n nh\u00e0 \u0111\u00e3 ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao v\u00e0 c\u00f3 h\u1ec7 s\u1ed1 r\u1ee7i ro th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 \u1edf kh\u00e1c ch\u1ec9 \u1edf m\u1ee9c 20%-50%, nh\u1eb1m th\u1ef1c hi\u1ec7n ch\u1ee7 tr\u01b0\u01a1ng khuy\u1ebfn kh\u00edch nh\u00e0 \u1edf x\u00e3 h\u1ed9i c\u1ee7a Ch\u00ednh ph\u1ee7.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng nh\u1ea5n m\u1ea1nh, \u0111i\u1ec1u ki\u1ec7n nh\u00e0 \u0111\u00e3 ho\u00e0n th\u00e0nh theo h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kho\u1ea3n cho vay th\u1ebf ch\u1ea5p nh\u00e0 (\u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ee9c h\u1ec7 s\u1ed1 r\u1ee7i ro th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n ph\u1ea3i \u0111\u00f2i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1c). Tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u x\u00e2y d\u1ef1ng, mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai th\u1ebf ch\u1ea5p ch\u00ednh nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai n\u00e0y s\u1ebd thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n cho vay b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n theo quy \u0111\u1ecbnh.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u1eb3ng \u0111\u1ecbnh, quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, kh\u00f4ng tr\u00e1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh (Lu\u1eadt d\u00e2n s\u1ef1, Lu\u1eadt Nh\u00e0 \u1edf, Lu\u1eadt kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, Lu\u1eadt \u0111\u1ea7u t\u01b0 2020, Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u00a02024).<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n Tp. H\u1ed3 Ch\u00ed Minh\u00a0(HoREA) v\u1eeba c\u00f3 v\u0103n b\u1ea3n g\u1eedi \u0111\u1ebfn Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0v\u1ec1 m\u1ed9t s\u1ed1 n\u1ed9i dung li\u00ean quan Th\u00f4ng t\u01b0 s\u1ed1 22\/2023\/TT-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7 t\u1edbi \u0111\u00e2y.<\/p>\n

HoREA cho r\u1eb1ng, Th\u00f4ng t\u01b0 22 v\u1edbi nhi\u1ec1u n\u1ed9i dung m\u1edbi, ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n h\u01a1n. N\u1ed5i b\u1eadt trong \u0111\u00f3 l\u00e0 quy \u0111\u1ecbnh v\u1ec1 cho vay \u0111\u1ec3 mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i, mua nh\u00e0 \u1edf theo c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh, d\u1ef1 \u00e1n h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh ph\u1ee7. C\u1ee5 th\u1ec3, ng\u01b0\u1eddi vay \u0111\u01b0\u1ee3c vay th\u1ebf ch\u1ea5p b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u1edf x\u00e3 h\u1ed9i \u0111\u00e3 c\u00f3 s\u1eb5n ho\u1eb7c nh\u00e0 \u1edf x\u00e3 h\u1ed9i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai…<\/p>\n

Tuy nhi\u00ean c\u01a1 quan n\u00e0y b\u0103n kho\u0103n khi Th\u00f4ng t\u01b0 41 (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung t\u1ea1i Th\u00f4ng t\u01b0 22) quy \u0111\u1ecbnh c\u00e1 nh\u00e2n vay t\u00edn d\u1ee5ng \u0111\u1ec3 mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i b\u1ea3o \u0111\u1ea3m b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u0111\u00f3 th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng\u00a0ch\u1ec9 \u0111\u01b0\u1ee3c cho vay \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh \u0111\u1ec3 b\u00e0n giao, t\u1ee9c l\u00e0 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i c\u00f3 s\u1eb5n.<\/p>\n

Nh\u01b0 v\u1eady, Th\u00f4ng t\u01b0 22 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 nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p b\u1eb1ng ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3, 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 h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m kh\u00e1c.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi b\u00e1o ch\u00ed, 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, 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.<\/em><\/p>\n

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.<\/p>\n

Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, Th\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.<\/em><\/p>\n

Th\u00f9y D\u01b0\u01a1ng<\/strong><\/p>\n

————-<\/em><\/p>\n

Bnews (B\u1ea5t \u0111\u1ed9ng s\u1ea3n) ng\u00e0y 01-02-2024:<\/em><\/strong><\/p>\n

https:\/\/bnews.vn\/thong-tu-22-khong-han-che-quyen-mua-nha-o-hinh-thanh-trong-tuong-lai\/322707.html<\/a> <\/em><\/p>\n

(119\/1.198)<\/em>","protected":false},"excerpt":{"rendered":"

Th\u00f4ng t\u01b0 22 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai (Bnews) – Th\u00f4ng t\u01b0 22\/2023\/TT-NHNN s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 41\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 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 kh\u00f4ng h\u1ea1n ch\u1ebf quy\u1ec1n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. […]<\/p>\n","protected":false},"author":2,"featured_media":38905,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[42,36],"class_list":["post-38904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dat-dai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.656. 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