{"id":4500,"date":"2018-09-20T22:07:19","date_gmt":"2018-09-20T15:07:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4500"},"modified":"2024-10-30T15:17:50","modified_gmt":"2024-10-30T08:17:50","slug":"242-gia-cua-dong-tien","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/242-gia-cua-dong-tien\/","title":{"rendered":"242. Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n<\/span><\/h4>\n<h5>\u0110\u1ea7u n\u0103m 2013, t\u00f4i b\u1ea5t ng\u1edd nh\u1eadn \u0111\u01b0\u1ee3c cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i k\u00eau c\u1ee9u t\u1eeb m\u1ed9t ng\u01b0\u1eddi ch\u01b0a h\u1ec1 quen bi\u1ebft \u1edf B\u00ecnh D\u01b0\u01a1ng. C\u00f4 s\u1ee5t s\u00f9i, gi\u1ecdng ng\u1eaft qu\u00e3ng xin t\u00f4i, v\u1edbi t\u01b0 c\u00e1ch m\u1ed9t lu\u1eadt s\u01b0, t\u01b0 v\u1ea5n v\u00e0 gi\u00fap \u0111\u1ee1 hai m\u1eb9 con.<\/h5>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-4501 alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/Screen-Shot-2022-01-27-at-22.09.46.png\" alt=\"Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n\" width=\"422\" height=\"254\" \/><\/p>\n<p>C\u00f4 \u0111\u00e3 vay 30 tri\u1ec7u \u0111\u1ed3ng c\u1ee7a m\u1ed9t \u201cc\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng\u201d. Hai m\u1eb9 con \u0111\u00e3 r\u1ea5t c\u1ed1 g\u1eafng trong n\u1eeda n\u0103m \u0111\u1ec3 tr\u1ea3 g\u1ea7n h\u1ebft 30 tri\u1ec7u, nh\u01b0ng kho\u1ea3n n\u1ee3 v\u1eabn c\u00f2n g\u1ea7n b\u1eb1ng s\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u. L\u00fd do l\u00e0 h\u1ecd ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao, l\u00ean \u0111\u1ebfn 6%\/th\u00e1ng, t\u1ee9c 72%\/n\u0103m. C\u1ed9ng v\u1edbi vi\u1ec7c ch\u1eadm tr\u1ea3 n\u1ee3 &#8211; ch\u1ec9 c\u1ea7n ch\u1eadm m\u1ed9t gi\u1edd \u0111\u1ed3ng h\u1ed3 sang ng\u00e0y h\u00f4m sau l\u00e0 kho\u1ea3n n\u1ee3 b\u1ecb nh\u1ea3y sang n\u1ea5c l\u00e3i su\u1ea5t kh\u00e1c &#8211; n\u00ean h\u1ecd b\u1ecb \u00e1p m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n l\u00ean \u0111\u1ebfn 108% m\u1ed7i n\u0103m. Ngo\u00e0i ra, m\u1eb9 con c\u00f4 c\u00f2n b\u1ecb t\u00ednh th\u00eam m\u1ed9t kho\u1ea3n \u0111\u1ed1i v\u1edbi ph\u1ea7n ti\u1ec1n l\u00e3i ch\u1eadm tr\u1ea3. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t t\u00f4i ch\u01b0a t\u1eebng th\u1ea5y trong h\u01a1n 20 n\u0103m l\u00e0m trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n<p>C\u00f4 \u1ea5y k\u00eau c\u1ee9u kh\u00f4ng ch\u1ec9 v\u00ec ph\u1ea3i tr\u1ea3 m\u1ee9c vay c\u1eaft c\u1ed5, m\u00e0 c\u00f2n ho\u1ea3ng lo\u1ea1n v\u00ec b\u1ecb tr\u1ea5n \u00e1p tinh th\u1ea7n. Ng\u01b0\u1eddi c\u1ee7a c\u00f4ng ty th\u00fac n\u1ee3 quy\u1ebft li\u1ec7t l\u00e0m cho c\u00f4 v\u00e0 b\u00e0 m\u1eb9 gi\u00e0 s\u1ee3 \u0111\u1ebfn m\u1ee9c m\u1ea5t \u0103n, m\u1ea5t ng\u1ee7. Hai m\u1eb9 con nh\u1eadn h\u00e0ng ch\u1ee5c cu\u1ed9c g\u1ecdi, nh\u1eafn tin v\u00e0o t\u1ea5t c\u1ea3 c\u00e1c bu\u1ed5i s\u00e1ng, tr\u01b0a, chi\u1ec1u, t\u1ed1i, \u0111\u00eam trong ng\u00e0y. Ng\u01b0\u1eddi ta c\u00f2n t\u00ecm \u0111\u1ebfn nh\u00e0 v\u00e0 n\u01a1i c\u00f4 l\u00e0m vi\u1ec7c \u0111\u1ec3 d\u1ecda d\u1eabm.<\/p>\n<p>Nghe m\u1ed9t ng\u01b0\u1eddi n\u00e0o \u0111\u00f3 m\u00e1ch, c\u00f4 h\u1ecfi \u0111\u01b0\u1ee3c s\u1ed1 \u0111i\u1ec7n tho\u1ea1i v\u00e0 g\u1ecdi c\u1ea7u c\u1ee9u t\u00f4i. \u201cT\u00f4i th\u1ea5y \u00f4ng vi\u1ebft b\u00e0i v\u1ec1 s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd c\u1ee7a l\u00e3i su\u1ea5t\u201d, c\u00f4 n\u00f3i \u0111\u1ea7y mong \u0111\u1ee3i.<\/p>\n<p>T\u00f4i gi\u1ea3i th\u00edch cho c\u00f4 \u1ea5y r\u1eb1ng, vi\u1ec7c cho vay l\u00e0 h\u1ee3p ph\u00e1p, b\u1edfi c\u00f4 \u0111\u00e3 t\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay. V\u00e0 \u0111\u1ea7u ti\u00ean h\u00e3y b\u00ecnh t\u0129nh tr\u00ecnh b\u00e0y v\u00e0 ki\u1ebfn ngh\u1ecb v\u1edbi b\u00ean cho vay v\u00e0 v\u1edbi c\u01a1 quan n\u00e0o c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1.<\/p>\n<p>Vi\u1ec7c ng\u01b0\u1eddi d\u00e2n b\u1ecb r\u01a1i v\u00e0o \u201cb\u1eaby\u201d l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng nh\u01b0 tr\u00ean kh\u00f4ng c\u00f2n l\u00e0 chuy\u1ec7n hi\u1ebfm v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y. L\u00fd do c\u01a1 b\u1ea3n nh\u1ea5t, b\u1edfi c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ec1n \u0110\u1ed3ng li\u00ean t\u1ee5c thay \u0111\u1ed5i qua h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt, m\u1ed7i l\u1ea7n thay \u0111\u1ed5i th\u00ec n\u1ed9i dung c\u1ee7a lu\u1eadt m\u1edbi l\u1ea1i kh\u00e1c h\u1eb3n lu\u1eadt c\u0169, nh\u01b0ng nh\u1eefng \u0111i\u1ec3m v\u00f4 l\u00fd v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eeda ch\u1eefa, trong \u0111\u00f3 c\u00f3 ba B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n<p>Kh\u00f4ng ch\u1ec9 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t d\u00e2n s\u1ef1, m\u00e0 c\u1ea3 l\u00e3i su\u1ea5t k\u1ebft t\u1ed9i h\u00ecnh s\u1ef1 c\u0169ng nh\u1ea3y nh\u00f3t nh\u01b0 \u0111\u00f9a. V\u00ed d\u1ee5, t\u1eeb n\u0103m 2006 \u0111\u1ebfn cu\u1ed1i n\u0103m 2010, m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ec3 k\u1ebft t\u1ed9i \u201ccho vay l\u00e3i n\u1eb7ng\u201d (t\u1eeb \u0111\u01b0\u1ee3c d\u00f9ng trong b\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1)\u00a0 thay \u0111\u1ed5i theo t\u1eebng th\u00e1ng v\u00ec ch\u1ea1y theo s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n.<\/p>\n<p>C\u00e1ch \u0111\u1ecbnh ngh\u0129a n\u00e0y khi\u1ebfn s\u1ed1 \u201ct\u1ed9i ph\u1ea1m\u201d t\u0103ng gi\u1ea3m v\u00f4 c\u00f9ng th\u1ea5t th\u01b0\u1eddng. N\u1ebfu ng\u00e0y 1\/11\/2010, ai cho vay l\u00e3i su\u1ea5t 120% m\u1ed7i n\u0103m s\u1ebd ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1. T\u1eeb ng\u00e0y 5\/11\/2010 \u0111\u1ebfn h\u1ebft n\u0103m 2016, con s\u1ed1 \u0111\u00f3 l\u00e0 135% m\u1ed7i n\u0103m. Trong n\u0103m 2017, m\u1ee9c n\u00e0y t\u0103ng v\u1ecdt l\u00ean 200% m\u1ed7i n\u0103m. V\u00e0 t\u1eeb n\u0103m 2018 tr\u1edf \u0111i, n\u00f3 b\u1ea5t ng\u1edd gi\u1ea3m xu\u1ed1ng c\u00f2n m\u1ed9t n\u1eeda, t\u1ee9c 100% m\u1ed9t n\u0103m.<\/p>\n<p>V\u00e0o th\u1eddi k\u1ef3 x\u1ea3y ra c\u00e2u chuy\u1ec7n c\u1ee7a ng\u01b0\u1eddi ph\u1ee5 n\u1eef \u1edf tr\u00ean, l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 13,5%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. Tuy nhi\u00ean, v\u00ec s\u1ef1 ch\u01b0a th\u1ed1ng nh\u1ea5t trong nhi\u1ec1u \u0111i\u1ec1u lu\u1eadt, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c cho vay ph\u1ed5 bi\u1ebfn v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 60% &#8211; 70%\/n\u0103m.<\/p>\n<p>C\u00f9ng kho\u1ea3ng th\u1eddi gian m\u00e0 kh\u00e1ch h\u00e0ng tr\u00ean vay v\u1ed1n ti\u00eau d\u00f9ng, th\u00ec doanh nghi\u1ec7p vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t kho\u1ea3ng kho\u1ea3ng 14% &#8211; 15% m\u1ed7i n\u0103m. N\u1ebfu nh\u01b0 doanh nghi\u1ec7p kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, bu\u1ed9c ph\u1ea3i \u0111i vay v\u1ed1n \u1edf b\u00ean ngo\u00e0i th\u00ec th\u01b0\u1eddng ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t cao h\u01a1n. Nh\u01b0ng c\u0169ng th\u1eddi \u0111i\u1ec3m \u0111\u00f3, \u0110i\u1ec1u 9, Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p n\u0103m 2008 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013) l\u1ea1i quy \u0111\u1ecbnh l\u00e3i vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. T\u1ee9c l\u00e0 ch\u1ec9 c\u00f3 13,5% m\u1ed9t n\u0103m.<\/p>\n<p>C\u0169ng li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t, \u0110i\u1ec1u 96, B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng n\u0103m 2012 quy \u0111\u1ecbnh, tr\u01b0\u1eddng h\u1ee3p ch\u1eadm tr\u1ea3 l\u01b0\u01a1ng th\u00ec ph\u1ea3i tr\u1ea3 th\u00eam \u201c\u00edt nh\u1ea5t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f4ng b\u1ed1\u201d. Tuy nhi\u00ean, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 kh\u00f4ng c\u00f2n c\u00f4ng b\u1ed1 \u201cl\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi\u201d t\u1eeb n\u0103m 1996, t\u1ee9c l\u00e0 \u0111\u00e3 b\u1ecf t\u1eeb 22 n\u0103m qua.<\/p>\n<p>\u0110\u1ebfn \u0111\u00e2y, t\u00f4i \u0111o\u00e1n \u0111\u1ed9c gi\u1ea3 b\u1eaft \u0111\u1ea7u th\u1ea5y hoa m\u1eaft v\u00ec l\u00e3i su\u1ea5t. R\u1ea5t \u00edt ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng c\u00f3 th\u1ec3 ki\u00ean nh\u1eabn \u0111\u1ecdc \u0111\u01b0\u1ee3c t\u1eebng kia con s\u1ed1 v\u00e0 ph\u00e2n \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra khi m\u00ecnh quy\u1ebft \u0111\u1ecbnh \u0111i vay.<\/p>\n<p>Nh\u01b0ng \u0111\u1ed9c gi\u1ea3 ch\u1ec9 c\u1ea7n n\u1eafm c\u01a1 b\u1ea3n l\u00e0, do quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 xa r\u1eddi th\u1ef1c t\u1ebf, n\u00ean t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 li\u00ean t\u1ee5c ph\u00e1 b\u1ecf c\u00e1c tr\u1ea7n l\u00e3i su\u1ea5t, d\u1ef1a v\u00e0o nguy\u00ean t\u1eafc tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t cho vay theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p>V\u00e0 \u0111\u1ebfn b\u00e2y gi\u1edd, ng\u01b0\u1eddi ta v\u1eabn c\u00f2n tranh lu\u1eadn v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, r\u1eb1ng n\u00f3 ch\u1ec9 \u00e1p \u0111\u1eb7t cho d\u00e2n, hay v\u1edbi c\u1ea3 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng?<\/p>\n<p>Nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng kh\u1ecfi th\u1eafc m\u1eafc: N\u1ebfu c\u00e1c c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00fang lu\u1eadt, th\u00ec r\u00f5 r\u00e0ng lu\u1eadt \u0111\u00e3 sai v\u00e0 ng\u01b0\u1ee3c l\u1ea1i?<\/p>\n<p>V\u00ec l\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n v\u00e0 \u0111\u1ed3ng ti\u1ec1n th\u1ec3 hi\u1ec7n s\u1ee9c kho\u1ebb c\u1ee7a n\u1ec1n kinh t\u1ebf, n\u00ean quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t ph\u1ea3i d\u1ef1a v\u00e0o cung c\u1ea7u c\u1ee7a th\u1ecb tr\u01b0\u1eddng. V\u00e0 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u1ea7n ph\u1ea3i \u0111\u1eb7t ra tr\u1ea7n l\u00e3i su\u1ea5t chung cho m\u1ecdi lo\u1ea1i h\u00ecnh cho vay. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u1ebfu c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, th\u00ec ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 gi\u1edbi h\u1ea1n th\u1ea5p h\u01a1n, ch\u1ee9 kh\u00f4ng th\u1ec3 cao h\u01a1n m\u1ee9c chung.<\/p>\n<p>Do v\u1eady, theo t\u00f4i, c\u1ea7n s\u1eeda ngay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 theo h\u01b0\u1edbng, n\u00e2ng tr\u1ea7n l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, ho\u1eb7c m\u1ed9t m\u1ee9c ph\u1ed5 bi\u1ebfn trong x\u00e3 h\u1ed9i. Ri\u00eang \u0111\u1ed1i v\u1edbi t\u1ed9i cho vay l\u00e3i n\u1eb7ng, nh\u00e0 n\u01b0\u1edbc ph\u1ea3i \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 m\u1ee9c ph\u1ea1m t\u1ed9i, ch\u1eb3ng h\u1ea1n l\u00e0 tr\u00ean 100% m\u1ed7i n\u0103m. C\u00f3 th\u1ebf, m\u1edbi bi\u1ebft ai cho vay l\u00e3i n\u1eb7ng m\u00e0 x\u1eed l\u00fd.<\/p>\n<p>Ng\u01b0\u1eddi ph\u1ee5 n\u1eef \u1edf tr\u00ean, cu\u1ed1i c\u00f9ng may m\u1eafn \u0111\u01b0\u1ee3c \u201cgi\u1ea3i c\u1ee9u\u201d. Nh\u1edd m\u1ed9t \u0111\u00e0i truy\u1ec1n h\u00ecnh \u0111\u01b0a tin n\u00ean v\u1ee5 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh kia d\u00e0n x\u1ebfp theo h\u01b0\u1edbng gi\u1ea3m \u0111\u00e1ng k\u1ec3 s\u1ed1 ti\u1ec1n l\u00e3i. Nh\u01b0ng c\u00f2n r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n ngh\u00e8o v\u1eabn bu\u1ed9c ph\u1ea3i vay ti\u1ec1n c\u1ee7a hi\u1ec7u c\u1ea7m \u0111\u1ed3, th\u1eadm ch\u00ed k\u1ec3 c\u1ea3 vay t\u00edn d\u1ee5ng \u0111en. H\u1ecd ch\u1eb3ng bao gi\u1edd d\u1ef1a \u0111\u01b0\u1ee3c v\u00e0o lu\u1eadt, c\u0169ng kh\u00f4ng bi\u1ebft tr\u1ea7n l\u00e3i su\u1ea5t l\u00e0 bao nhi\u00eau &#8211; t\u1ee9c gi\u00e1 lu\u1eadt \u0111\u1ecbnh c\u1ee7a \u0111\u1ed3ng ti\u1ec1n m\u00e0 h\u1ecd s\u1eed d\u1ee5ng l\u00e0 th\u1ebf n\u00e0o. H\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n ch\u1ecdn gi\u00e1 \u0111\u00fang.<\/p>\n<p><strong><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> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong><\/p>\n<p><strong><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/em><\/strong><\/p>\n<h4><strong><em>B\u1ea3n s\u1eeda cu\u1ed1i c\u00f9ng<\/em><\/strong><\/h4>\n<h5><strong>Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n <\/strong><\/h5>\n<p>&nbsp;<\/p>\n<p>T\u00f4i b\u1ea5t ng\u1edd nh\u1eadn \u0111\u01b0\u1ee3c cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i k\u00eau c\u1ee9u t\u1eeb m\u1ed9t ph\u1ee5 n\u1eef ch\u01b0a h\u1ec1 quen bi\u1ebft \u1edf B\u00ecnh D\u01b0\u01a1ng v\u00e0o \u0111\u1ea7u n\u0103m 2013. C\u00f4 \u1ea5y s\u1ee5t s\u00f9i, gi\u1ecdng ng\u1eaft qu\u00e3ng xin t\u00f4i, v\u1edbi t\u01b0 c\u00e1ch m\u1ed9t lu\u1eadt s\u01b0, t\u01b0 v\u1ea5n v\u00e0 gi\u00fap \u0111\u1ee1 hai m\u1eb9 con h\u1ecd.<\/p>\n<p>Chuy\u1ec7n l\u00e0, c\u00f4 \u0111\u00e3 vay 30 tri\u1ec7u \u0111\u1ed3ng c\u1ee7a m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. D\u00f9 \u0111\u00e3 r\u1ea5t c\u1ed1 g\u1eafng trong g\u1ea7n m\u1ed9t n\u0103m \u0111\u1ec3 tr\u1ea3 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i su\u00fdt so\u00e1t b\u1eb1ng s\u1ed1 ti\u1ec1n vay, nh\u01b0ng r\u1ed3i kho\u1ea3n n\u1ee3 v\u1eabn c\u00f2n m\u1ea5y ch\u1ee5c tri\u1ec7u. L\u00fd do l\u00e0 h\u1ecd ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t r\u1ea5t cao, l\u00ean \u0111\u1ebfn 6%\/th\u00e1ng, t\u1ee9c 72%\/n\u0103m. C\u1ed9ng v\u1edbi vi\u1ec7c ch\u1eadm tr\u1ea3 n\u1ee3 (ch\u1ec9 c\u1ea7n ch\u1eadm m\u1ed9t gi\u1edd \u0111\u1ed3ng h\u1ed3 l\u00e0 c\u00f3 th\u1ec3 b\u1ecb chuy\u1ec3n sang ng\u00e0y h\u00f4m sau v\u00e0 kho\u1ea3n n\u1ee3 b\u1ecb nh\u1ea3y sang n\u1ea5c l\u00e3i su\u1ea5t kh\u00e1c) n\u00ean h\u1ecd b\u1ecb \u00e1p m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n l\u00ean \u0111\u1ebfn 108%\/n\u0103m. Ngo\u00e0i ra, m\u1eb9 con c\u00f4 c\u00f2n b\u1ecb t\u00ednh th\u00eam m\u1ed9t kho\u1ea3n \u0111\u1ed1i v\u1edbi ph\u1ea7n ti\u1ec1n l\u00e3i ch\u1eadm tr\u1ea3. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cho vay h\u1ee3p ph\u00e1p m\u00e0 t\u00f4i ch\u01b0a t\u1eebng th\u1ea5y trong g\u1ea7n 20 n\u0103m l\u00e0m trong ng\u00e0nh Ng\u00e2n h\u00e0ng.<\/p>\n<p>C\u00f4 \u1ea5y k\u00eau c\u1ee9u kh\u00f4ng ch\u1ec9 v\u00ec ph\u1ea3i tr\u1ea3 m\u1ee9c vay c\u1eaft c\u1ed5, m\u00e0 c\u00f2n ho\u1ea3ng lo\u1ea1n v\u00ec b\u1ecb \u0111e d\u1ecda tinh th\u1ea7n. Ng\u01b0\u1eddi c\u1ee7a c\u00f4ng ty kia th\u00fac n\u1ee3 quy\u1ebft li\u1ec7t l\u00e0m cho c\u00f4 v\u00e0 b\u00e0 m\u1eb9 gi\u00e0 s\u1ee3 \u0111\u1ebfn m\u1ee9c m\u1ea5t \u0103n, m\u1ea5t ng\u1ee7. Hai m\u1eb9 con b\u1ecb kh\u1ee7ng b\u1ed1 m\u1ed7i n ng\u00e0y v\u00e0i ch\u1ee5c cu\u1ed9c g\u1ecdi \u0111i\u1ec7n, nh\u1eafn tin v\u00e0o t\u1ea5t c\u1ea3 c\u00e1c bu\u1ed5i s\u00e1ng, tr\u01b0a, chi\u1ec1u, t\u1ed1i, \u0111\u00eam. Ng\u01b0\u1eddi ta c\u00f2n t\u00ecm \u0111\u1ebfn nh\u00e0 v\u00e0 n\u01a1i c\u00f4 l\u00e0m vi\u1ec7c \u0111\u1ec3 d\u1ecda d\u1eabm.<\/p>\n<p>Nghe m\u1ed9t ng\u01b0\u1eddi n\u00e0o \u0111\u00f3 m\u00e1ch, c\u00f4 h\u1ecfi \u0111\u01b0\u1ee3c s\u1ed1 \u0111i\u1ec7n tho\u1ea1i v\u00e0 g\u1ecdi c\u1ea7u c\u1ee9u t\u00f4i. \u201cT\u00f4i th\u1ea5y \u00f4ng vi\u1ebft b\u00e0i v\u1ec1 s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd c\u1ee7a l\u00e3i su\u1ea5t\u201d, c\u00f4 n\u00f3i \u0111\u1ea7y mong \u0111\u1ee3i.<\/p>\n<p>T\u00f4i gi\u1ea3i th\u00edch r\u1eb1ng, v\u1ec1 ph\u00eda c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 vi\u1ec7c cho vay l\u00e0 h\u1ee3p ph\u00e1p, v\u1ec1 ph\u00eda c\u00f4 \u1ea5y c\u0169ng ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng vay. Do \u0111\u00f3 c\u1ea7n b\u00ecnh t\u0129nh tr\u00ecnh b\u00e0y v\u00e0 ki\u1ebfn ngh\u1ecb v\u1edbi b\u00ean cho vay, \u0111\u1ed3ng th\u1eddi \u0111\u1ec1 ngh\u1ecb c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng gi\u00fap \u0111\u1ee1.<\/p>\n<p>Vi\u1ec7c ng\u01b0\u1eddi d\u00e2n b\u1ecb r\u01a1i v\u00e0o \u201cb\u1eaby\u201d l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng nh\u01b0 tr\u00ean kh\u00f4ng c\u00f2n l\u00e0 chuy\u1ec7n hi\u1ebfm v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y. L\u00fd do c\u01a1 b\u1ea3n nh\u1ea5t, b\u1edfi c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ec1n vay li\u00ean t\u1ee5c thay \u0111\u1ed5i qua h\u00e0ng ch\u1ee5c \u0111\u1ea1o lu\u1eadt, trong \u0111\u00f3 c\u00f3 ba B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, m\u00e0 n\u1ed9i dung c\u1ee7a lu\u1eadt m\u1edbi l\u1ea1i kh\u00e1c h\u1eb3n lu\u1eadt c\u0169, nh\u01b0ng nh\u1eefng \u0111i\u1ec3m v\u00f4 l\u00fd th\u00ec v\u1eabn kh\u00f4ng \u0111\u01b0\u1ee3c kh\u1eafc ph\u1ee5c.<\/p>\n<p>Kh\u00f4ng ch\u1ec9 nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t d\u00e2n s\u1ef1, m\u00e0 c\u1ea3 l\u00e3i su\u1ea5t k\u1ebft t\u1ed9i h\u00ecnh s\u1ef1 c\u0169ng nh\u1ea3y nh\u00f3t nh\u01b0 \u0111\u00f9a. V\u00ed d\u1ee5, t\u1eeb n\u0103m 2006 \u0111\u1ebfn cu\u1ed1i n\u0103m 2010, m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ec3 k\u1ebft t\u1ed9i \u201ccho vay l\u00e3i n\u1eb7ng\u201d (t\u1eeb \u0111\u01b0\u1ee3c d\u00f9ng trong B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1) ch\u1ea1y theo s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n. C\u00e1ch quy \u0111\u1ecbnh n\u00e0y khi\u1ebfn h\u00e0nh vi cho vay v\u1edbi l\u00e3i su\u1ea5t cao c\u00f3 ph\u1ea1m t\u1ed9i hay kh\u00f4ng thay \u0111\u1ed5i th\u1ea5t th\u01b0\u1eddng theo t\u1eebng th\u00e1ng. C\u00f9ng v\u1edbi vi\u1ec7c thay \u0111\u1ed5i kh\u00e1c n\u1eefa, d\u1eabn \u0111\u1ebfn \u201ccon s\u1ed1 t\u1ed9i ph\u1ea1m\u201d bi\u1ebfn \u0111\u1ed9ng gi\u1eadt m\u00ecnh. N\u1ebfu ng\u00e0y 1\/11\/2010, ai cho vay l\u00e3i su\u1ea5t 120%\/n\u0103m s\u1ebd ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1 th\u00ec t\u1eeb ng\u00e0y 5\/11\/2010 \u0111\u1ebfn h\u1ebft n\u0103m 2016, con s\u1ed1 \u0111\u00f3 l\u00e0 135%\/n\u0103m. T\u1eeb ng\u00e0y 1\/1 \u0111\u1ebfn 31\/12\/2017, m\u1ee9c n\u00e0y t\u0103ng v\u1ecdt l\u00ean 200%\/n\u0103m. V\u00e0 t\u1eeb n\u0103m 2018 tr\u1edf \u0111i, n\u00f3 b\u1ea5t ng\u1edd gi\u1ea3m xu\u1ed1ng c\u00f2n m\u1ed9t n\u1eeda, t\u1ee9c 100%\/n\u0103m.<\/p>\n<p>V\u00e0o th\u1eddi k\u1ef3 x\u1ea3y ra c\u00e2u chuy\u1ec7n \u1edf tr\u00ean, l\u00e3i su\u1ea5t cho vay kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 150% l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n, t\u1ee9c t\u1ed1i \u0111a l\u00e0 13,5%\/n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. T\u01b0\u01a1ng t\u1ef1, n\u1ebfu nh\u01b0 doanh nghi\u1ec7p kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, m\u00e0 bu\u1ed9c ph\u1ea3i \u0111i vay v\u1ed1n \u1edf b\u00ean ngo\u00e0i th\u00ec c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i n\u00e0y (m\u1eb7c d\u00f9 th\u1ef1c t\u1ebf th\u01b0\u1eddng ph\u1ea3i vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n) theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 9, Lu\u1eadt Thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p n\u0103m 2008 (s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2013). Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c cho vay ph\u1ed5 bi\u1ebfn v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n m\u1ee9c 13,5%, \u0111\u1eb7c bi\u1ec7t l\u00e0 cho vay ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 60% &#8211; 70%\/n\u0103m.<\/p>\n<p>\u0110\u1ebfn \u0111\u00e2y, nhi\u1ec1u \u0111\u1ed9c gi\u1ea3 \u0111\u00e3 th\u1ea5y hoa m\u1eaft, ch\u00f3ng m\u1eb7t v\u00ec l\u00e3i su\u1ea5t v\u00e0 \u0111\u1eb7t ra c\u00e2u h\u1ecfi t\u1ea1i sao ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng ph\u1ea3i tu\u00e2n th\u1ee7 gi\u1edbi h\u1ea1n v\u1ec1 l\u00e3i su\u1ea5t cho vay? V\u00e0 t\u1ea1i sao l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e9p cao h\u01a1n l\u00e3i su\u1ea5t b\u00ean ngo\u00e0i m\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1ee3c l\u1ea1i?<\/p>\n<p>C\u00e2u tr\u1ea3 l\u1eddi l\u00e0, v\u1ec1 nguy\u00ean t\u1eafc, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng chung cho m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng. Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u1ebfu c\u00f3 quy \u0111\u1ecbnh kh\u00e1c, th\u00ec ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 gi\u1edbi h\u1ea1n th\u1ea5p h\u01a1n, ch\u1ee9 kh\u00f4ng th\u1ec3 cao h\u01a1n m\u1ee9c chung. Nh\u01b0ng \u0111\u00e1ng ti\u1ebfc l\u00e0, tr\u00ean th\u1ef1c t\u1ebf v\u1eabn dai d\u1eb3ng cu\u1ed9c tranh lu\u1eadn r\u1eb1ng, tr\u1ea7n l\u00e3i su\u1ea5t cho vay ch\u1ec9 \u00e1p \u0111\u1eb7t cho d\u00e2n hay v\u1edbi c\u1ea3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng?<\/p>\n<p>Nh\u01b0ng do quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 xa r\u1eddi th\u1ef1c t\u1ebf, n\u00ean c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 li\u00ean t\u1ee5c ph\u00e1 b\u1ecf, v\u00ec d\u1ef1a v\u00e0o nguy\u00ean t\u1eafc tho\u1ea3 thu\u1eadn l\u00e3i su\u1ea5t cho vay theo c\u01a1 ch\u1ebf th\u1ecb tr\u01b0\u1eddng theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. L\u00e3i su\u1ea5t l\u00e0 gi\u00e1 c\u1ea3 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n v\u00e0 \u0111\u1ed3ng ti\u1ec1n th\u1ec3 hi\u1ec7n s\u1ee9c kho\u1ebb c\u1ee7a n\u1ec1n kinh t\u1ebf, n\u00ean kh\u00f4ng th\u1ec3 \u00e1p \u0111\u1eb7t m\u1ed9t tr\u1ea7n l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p>Do v\u1eady, theo t\u00f4i, c\u1ea7n s\u1eeda ngay B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 theo h\u01b0\u1edbng, quy \u0111\u1ecbnh r\u00f5 r\u00e0ng, tr\u1ea7n l\u00e3i su\u1ea5t cho vay ph\u1ea3i \u00e1p d\u1ee5ng chung, ph\u00f9 h\u1ee3p v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng. Ri\u00eang \u0111\u1ed1i v\u1edbi t\u1ed9i cho vay l\u00e3i n\u1eb7ng, nh\u00e0 n\u01b0\u1edbc ph\u1ea3i \u1ea5n \u0111\u1ecbnh c\u1ee5 th\u1ec3 m\u1ee9c ph\u1ea1m t\u1ed9i, ch\u1eb3ng h\u1ea1n l\u00e0 tr\u00ean 100%\/n\u0103m. C\u00f3 th\u1ebf, m\u1edbi d\u1ec5 d\u00e0ng nh\u1eadn bi\u1ebft m\u1ed9t quy \u0111\u1ecbnh ng\u0103n ng\u1eeba v\u00e0 x\u1eed l\u00fd t\u1ed9i ph\u1ea1m cho vay l\u00e3i n\u1eb7ng.<\/p>\n<p>Ng\u01b0\u1eddi ph\u1ee5 n\u1eef \u1edf tr\u00ean, cu\u1ed1i c\u00f9ng may m\u1eafn \u0111\u01b0\u1ee3c \u201cgi\u1ea3i c\u1ee9u\u201d. Nh\u1edd m\u1ed9t \u0111\u00e0i truy\u1ec1n h\u00ecnh \u0111\u01b0a tin n\u00ean v\u1ee5 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ty t\u00e0i ch\u00ednh kia d\u00e0n x\u1ebfp theo h\u01b0\u1edbng, gi\u1ea3m \u0111\u00e1ng k\u1ec3 s\u1ed1 ti\u1ec1n l\u00e3i. Nh\u01b0ng c\u00f2n r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n ngh\u00e8o v\u1eabn bu\u1ed9c ph\u1ea3i vay ti\u1ec1n c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, c\u1ee7a hi\u1ec7u c\u1ea7m \u0111\u1ed3, th\u1eadm ch\u00ed k\u1ec3 c\u1ea3 vay t\u00edn d\u1ee5ng \u0111en. H\u1ecd ch\u1eb3ng hy v\u1ecdng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt v\u1ec1 tr\u1ea7n l\u00e3i su\u1ea5t b\u1ea3o v\u1ec7, c\u0169ng kh\u00f4ng th\u1ec3 bi\u1ebft c\u00f3 hay kh\u00f4ng tr\u1ea7n l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 c\u00e0ng kh\u00f4ng th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c r\u1eb1ng, lu\u1eadt quy \u0111\u1ecbnh v\u1ec1 gi\u00e1 c\u1ea3 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n khi h\u1ecd s\u1eed d\u1ee5ng v\u1ed1n vay l\u00e0 th\u1ebf n\u00e0o. H\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n ch\u1ecdn gi\u00e1 \u0111\u00fang!<\/p>\n<p>&nbsp;<\/p>\n<p><strong><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> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n<p>\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n<p><strong><em>VnExpress (G\u00f3c nh\u00ecn) 20-9-2018:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/vnexpress.net\/tin-tuc\/goc-nhin\/gia-cua-dong-tien-3812395.html\">https:\/\/vnexpress.net\/tin-tuc\/goc-nhin\/gia-cua-dong-tien-3812395.html<\/a><\/em><\/p>\n<p>&nbsp;","protected":false},"excerpt":{"rendered":"<p>Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n \u0110\u1ea7u n\u0103m 2013, t\u00f4i b\u1ea5t ng\u1edd nh\u1eadn \u0111\u01b0\u1ee3c cu\u1ed9c \u0111i\u1ec7n tho\u1ea1i k\u00eau c\u1ee9u t\u1eeb m\u1ed9t ng\u01b0\u1eddi ch\u01b0a h\u1ec1 quen bi\u1ebft \u1edf B\u00ecnh D\u01b0\u01a1ng. C\u00f4 s\u1ee5t s\u00f9i, gi\u1ecdng ng\u1eaft qu\u00e3ng xin t\u00f4i, v\u1edbi t\u01b0 c\u00e1ch m\u1ed9t lu\u1eadt s\u01b0, t\u01b0 v\u1ea5n v\u00e0 gi\u00fap \u0111\u1ee1 hai m\u1eb9 con. C\u00f4 \u0111\u00e3 vay 30 tri\u1ec7u \u0111\u1ed3ng [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4501,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,49,36],"class_list":["post-4500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-hinh-su","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>242. Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n: R\u01a1i v\u00e0o \u201cb\u1eaby\u201d l\u00e3i su\u1ea5t ng\u1ea5t ng\u01b0\u1edfng, l\u00fd do c\u01a1 b\u1ea3n nh\u1ea5t, b\u1edfi c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ec1n \u0110\u1ed3ng...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/242-gia-cua-dong-tien\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]242. 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