{"id":4733,"date":"1999-11-29T16:43:38","date_gmt":"1999-11-29T09:43:38","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4733"},"modified":"2024-11-15T15:10:29","modified_gmt":"2024-11-15T08:10:29","slug":"51-ve-cach-tinh-lai-suat-trong-cac-hop-dong-vay-tai-san","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/51-ve-cach-tinh-lai-suat-trong-cac-hop-dong-vay-tai-san\/","title":{"rendered":"50. V\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n"},"content":{"rendered":"

V\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/span><\/h4>\n
(TAND) – C\u00e1c To\u00e0 \u00e1n th\u01b0\u1eddng ph\u1ea3i gi\u1ea3i quy\u1ebft r\u1ea5t nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n m\u00e0 trong \u0111\u00f3, l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 v\u01b0\u1edbng m\u1eafc hay x\u1ea3y ra. Tuy \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn, gi\u1ea3i th\u00edch c\u1ee7a c\u00e1c c\u01a1 quan ph\u00e1p lu\u1eadt, nh\u01b0ng v\u1eabn ch\u01b0a gi\u1ea3i \u0111\u00e1p \u0111\u01b0\u1ee3c r\u00f5 r\u00e0ng v\u00e0 ch\u00ednh x\u00e1c m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t. Nguy\u00ean nh\u00e2n l\u00e0 do c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t c\u00f2n qu\u00e1 ph\u1ee9c t\u1ea1p, kh\u00f4ng \u0111\u1ed3ng b\u1ed9, thi\u1ebfu c\u1ee5 th\u1ec3 v\u00e0 th\u01b0\u1eddng xuy\u00ean thay \u0111\u1ed5i. B\u00e0i vi\u1ebft n\u00e0y xin n\u00eau ra m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng, v\u1ec1 l\u00e3i su\u1ea5t cho vay trong h\u1ea1n v\u00e0 v\u1ec1 l\u00e3i su\u1ea5t cho vay qu\u00e1 h\u1ea1n trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n.<\/h5>\n
1- V\u1ec1 <\/strong>\u201cm\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng<\/strong>\u201d trong h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n <\/strong><\/h5>\n

\u0110i\u1ec3m th\u1ee9 19, ph\u1ea7n III, C\u00f4ng v\u0103n s\u1ed1 16\/1999\/KHXX ng\u00e0y 1-2-1999 c\u1ee7a TANDTC \u0111\u00e3 gi\u1ea3i th\u00edch v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng trong h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n nh\u01b0 sau: Tuy h\u01b0\u1edbng d\u1eabn t\u1ea1i \u0111i\u1ec3m a v\u00e0 b, kho\u1ea3n 4, m\u1ee5c I, Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997 c\u1ee7a TANDTC, VKSNDTC, B\u1ed9 T\u01b0 ph\u00e1p, B\u1ed9 T\u00e0i ch\u00ednh \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c x\u00e9t x\u1eed v\u00e0 thi h\u00e0nh \u00e1n v\u1ec1 t\u00e0i s\u1ea3n\u201d kh\u00f4ng n\u00eau c\u1ee5 th\u1ec3, nh\u01b0ng trong v\u00ed d\u1ee5 theo \u0111i\u1ec3m n\u00e0y \u0111\u00e3 h\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh c\u1ee5 th\u1ec3 l\u00e0: Khi t\u00ednh l\u00e3i ph\u1ea3i \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng (m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i) c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng (th\u1eddi \u0111i\u1ec3m vay), \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng hay kh\u1ebf \u01b0\u1edbc vay ti\u1ec1n.<\/p>\n

Tuy nhi\u00ean, trong v\u00ed d\u1ee5 \u0111\u00f3 \u0111\u01b0a ra m\u1ed9t tr\u01b0\u1eddng h\u1ee3p cho vay, m\u00e0 th\u1eddi \u0111i\u1ec3m x\u00e1c \u0111\u1ecbnh vi\u1ec7c tr\u1ea3 n\u1ee3 t\u00ednh t\u1eeb ng\u00e0y vay cho \u0111\u1ebfn ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m l\u00e0 8 th\u00e1ng nh\u01b0ng l\u1ea1i \u00e1p d\u1ee5ng \u201cm\u1ee9c l\u00e3i ph\u1ea3i tr\u1ea3 l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n c\u1ee7a lo\u1ea1i vay trung h\u1ea1n v\u00ec th\u1eddi gian ph\u1ea3i tr\u1ea3 l\u00e3i qu\u00e1 6 th\u00e1ng\u201d. Th\u1ef1c ra, trong tr\u01b0\u1eddng h\u1ee3p tr\u00ean, th\u1eddi h\u1ea1n cho vay ch\u01b0a qu\u00e1 12 th\u00e1ng, th\u00ec ph\u1ea3i \u00e1p d\u1ee5ng \u201cm\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng\u201d l\u00e0 l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n m\u1edbi \u0111\u00fang. Nh\u01b0 v\u1eady, kh\u00e1i ni\u1ec7m \u201cm\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng\u201d hay m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn trong Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch 01\/TTLT n\u00f3i tr\u00ean v\u1eeba kh\u00f4ng c\u1ee5 th\u1ec3, v\u1eeba kh\u00f4ng ch\u00ednh x\u00e1c. Cho \u0111\u1ebfn C\u00f4ng v\u0103n gi\u1ea3i \u0111\u00e1p s\u1ed1 16\/1999\/KHXX n\u00f3i tr\u00ean c\u0169ng v\u1eabn ch\u01b0a th\u1ef1c s\u1ef1 l\u00e0m r\u00f5 \u0111\u01b0\u1ee3c \u201cm\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng (th\u1eddi \u0111i\u1ec3m vay)\u201d l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t n\u00e0o. C\u1ee5 th\u1ec3, n\u1ebfu trong m\u1ed9t v\u1ee5 tranh ch\u1ea5p m\u00e0 th\u1eddi h\u1ea1n t\u00ednh l\u00e3i l\u00e0 8 th\u00e1ng, th\u00ec \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u0111\u01b0\u01a1ng c\u1ee7a lo\u1ea1i cho vay ng\u1eafn h\u1ea1n hay trung-d\u00e0i h\u1ea1n?<\/p>\n

\u0110\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, vi\u1ec7c \u201c\u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u201d l\u1ea1i c\u00e0ng tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p h\u01a1n. Tr\u01b0\u1edbc ng\u00e0y 1-10-1998, theo quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec c\u00f3 s\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa hai m\u1ee9c l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng v\u1edbi hai lo\u1ea1i cho vay ng\u1eafn h\u1ea1n (kh\u00f4ng qu\u00e1 12 th\u00e1ng) v\u00e0 cho vay trung-d\u00e0i h\u1ea1n (tr\u00ean 12 th\u00e1ng). Nh\u01b0ng \u0111\u1ebfn \u201cQuy ch\u1ebf cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d, ban h\u00e0nh k\u00e8m theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 324\/1998\/Q\u0110-NHNN1 ng\u00e0y 30-9-1998 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, th\u00ec l\u1ea1i c\u00f3 s\u1ef1 tr\u00f9ng nhau t\u1ea1i th\u1eddi \u0111i\u1ec3m 12 th\u00e1ng (cho vay ng\u1eafn h\u1ea1n \u0111\u1ebfn 12 th\u00e1ng, cho vay trung-d\u00e0i h\u1ea1n t\u1eeb 12 th\u00e1ng tr\u1edf l\u00ean). \u0110\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u00ec s\u1ebd kh\u00f4ng x\u1ea3y ra s\u1ef1 l\u1eabn l\u1ed9n v\u1ec1 th\u1eddi h\u1ea1n n\u00e0y, v\u00ec bao gi\u1edd trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u0169ng ghi r\u00f5 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n thi\u1ebft th\u1ec3 hi\u1ec7n \u0111\u00f3 l\u00e0 lo\u1ea1i cho vay ng\u1eafn h\u1ea1n hay trung-d\u00e0i h\u1ea1n. Nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c quan h\u1ec7 cho vay kh\u00e1c, th\u00ec s\u1ebd n\u1ea3y sinh v\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p. Gi\u1ea3 s\u1eed trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u1edbi nhau, ghi th\u1eddi h\u1ea1n vay \u0111\u00fang 12 th\u00e1ng, th\u00ec ph\u1ea3i hi\u1ec3u n\u00f3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi lo\u1ea1i cho vay ng\u1eafn h\u1ea1n hay trung-d\u00e0i h\u1ea1n v\u00e0 To\u00e0 \u00e1n ph\u1ea3i \u00e1p d\u1ee5ng lo\u1ea1i l\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng (c\u00f9ng lo\u1ea1i) n\u00e0o \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p?<\/p>\n

\u0110\u1eb7c bi\u1ec7t, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1 ng\u00e0y 29-5-1999 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u201cquy \u0111\u1ecbnh tr\u1ea7n l\u00e3i su\u1ea5t cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng\u201d, th\u00ec c\u0169ng s\u1ebd kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u201cl\u00e3i su\u1ea5t t\u01b0\u01a1ng \u1ee9ng\u201d v\u1edbi th\u1eddi h\u1ea1n cho vay. V\u00ec n\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc lu\u00f4n quy \u0111\u1ecbnh hai m\u1ee9c l\u00e3i su\u1ea5t ng\u1eafn h\u1ea1n v\u00e0 trung-d\u00e0i h\u1ea1n kh\u00e1c nhau, th\u00ec cho \u0111\u1ebfn Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1 ch\u1ec9 c\u00f2n quy \u0111\u1ecbnh m\u1ed9t m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t duy nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u1ea3 hai lo\u1ea1i cho vay n\u00e0y.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft, thay v\u00ec quy \u0111\u1ecbnh c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3 nh\u01b0 th\u1eddi gian qua, s\u1eafp t\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc s\u1ebd \u201cx\u00e1c \u0111\u1ecbnh v\u00e0 c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n\u201d theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 18, Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, th\u00ec To\u00e0 \u00e1n s\u1ebd c\u00e0ng kh\u00f3 kh\u0103n h\u01a1n, th\u1eadm ch\u00ed kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1ec3 x\u00e9t x\u1eed c\u00e1c tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n v\u1edbi nhau.<\/p>\n

Nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u00ean c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan h\u1eefu quan h\u01b0\u1edbng d\u1eabn, gi\u1ea3i th\u00edch k\u1ecbp th\u1eddi.<\/p>\n

2- V\u1ec1 l\u00e3i su\u1ea5t cho vay trong h\u1ea1n<\/strong><\/h5>\n

C\u00f4ng v\u0103n s\u1ed1 16\/1999\/KHXX c\u1ee7a TANDTC n\u00eau l\u00ean m\u1ed9t v\u01b0\u1edbng m\u1eafc th\u1ef1c t\u1ebf l\u00e0, n\u1ebfu \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng th\u00ec \u0111\u1ed1i v\u1edbi nh\u1eefng h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp r\u1ea5t l\u00e2u s\u1ebd c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 cao so v\u1edbi m\u1ea5y n\u0103m g\u1ea7n \u0111\u00e2y[1]<\/a>. \u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u01b0\u1edbng m\u1eafc \u0111\u00f3, C\u00f4ng v\u0103n \u0111\u00e3 h\u01b0\u1edbng d\u1eabn: \u0110\u1ed1i v\u1edbi nh\u1eefng h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp \u0111\u00e3 l\u00e2u c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao so v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u0111ang \u00e1p d\u1ee5ng, th\u00ec khi gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, To\u00e0 \u00e1n \u00e1p d\u1ee5ng Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1 ng\u00e0y 16-4-1993 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 ti\u1ec1n vay. Theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y th\u00ec: \u201cS\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a d\u00e2n c\u01b0 v\u00e0 d\u01b0 n\u1ee3 vay Ng\u00e2n h\u00e0ng \u0111\u1ebfn cu\u1ed1i ng\u00e0y 19-4-1993 chuy\u1ec3n sang \u0111\u1ec1u \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y<\/em><\/strong>\u201d. Do \u0111\u00f3, c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp tr\u01b0\u1edbc ng\u00e0y 19-4-1993 m\u00e0 \u0111\u1ebfn ng\u00e0y 19-4-1993 ch\u01b0a tr\u1ea3 v\u00e0 ph\u00e1t sinh tranh ch\u1ea5p, th\u00ec To\u00e0 \u00e1n \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1 tr\u00ean \u0111\u00e2y c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 gi\u1ea3i quy\u1ebft, ngh\u0129a l\u00e0 l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i \u1edf \u0111\u00e2y \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i t\u1ea1i th\u1eddi \u0111i\u1ec3m vay v\u1ed1n \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng hay kh\u1ebf \u01b0\u1edbc vay ti\u1ec1n \u0111\u1ebfn ng\u00e0y 19-4-1993, c\u00f2n t\u1eeb ng\u00e0y 19-4-1993 tr\u1edf v\u1ec1 sau th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1 n\u00f3i tr\u00ean.<\/p>\n

Qua h\u01b0\u1edbng d\u1eabn tr\u00ean, c\u00f3 hai v\u1ea5n \u0111\u1ec1 c\u1ea7n r\u1ea5t quan tr\u1ecdng \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 l\u00e0:<\/p>\n

– T\u1ea1i sao c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp tr\u01b0\u1edbc ng\u00e0y 19-4-1993[2]<\/a> th\u00ec To\u00e0 \u00e1n l\u1ea1i \u0111\u1ec1u th\u1ed1ng nh\u1ea5t \u201c\u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1\u201d?<\/p>\n

– V\u00e0 t\u1ea1i sao \u201ct\u1eeb ng\u00e0y 19-4-1993 tr\u1edf v\u1ec1 sau th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1\u201d.<\/p>\n

S\u1edf d\u0129 c\u00f3 vi\u1ec7c l\u1ea5y m\u1ed1c th\u1eddi \u0111i\u1ec3m \u0111\u1ec3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1 l\u00e0 v\u00ec, trong c\u00e1c Quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng quy \u0111\u1ecbnh nh\u1eefng s\u1ed1 ti\u1ec1n vay n\u1ee3 c\u0169 \u0111\u01b0\u1ee3c chuy\u1ec3n sang \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t m\u1edbi, m\u00e0 v\u1eabn \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t t\u1ea1i c\u00e1c th\u1eddi \u0111i\u1ec3m c\u0169. Nh\u01b0ng v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0: N\u1ebfu To\u00e0 \u00e1n \u0111\u00e3 \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh tr\u00ean c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc th\u00ec t\u1ea1i sao l\u1ea1i kh\u00f4ng ti\u1ebfp t\u1ee5c \u00e1p d\u1ee5ng theo c\u00e1c quy \u0111\u1ecbnh kh\u00e1c, trong khi t\u1eeb th\u1eddi \u0111i\u1ec3m th\u00e1ng 4 n\u0103m 1993 \u0111\u1ebfn nay, \u0111\u00e3 c\u00f3 t\u1edbi 9 Quy\u1ebft \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t (kh\u00f4ng k\u1ec3 c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t ngo\u1ea1i t\u1ec7 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ri\u00eang l\u1ebb) v\u00e0 c\u00f3 nh\u1eefng \u0111i\u1ec3m quy \u0111\u1ecbnh kh\u00e1c nhau nh\u01b0 sau:<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 184\/Q\u0110-NH1 ng\u00e0y 28-9-1993: \u201cS\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf, ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a d\u00e2n c\u01b0 v\u00e0 d\u01b0 n\u1ee3 vay ng\u00e2n h\u00e0ng \u0111\u1ebfn cu\u1ed1i ng\u00e0y 30-9-1993 chuy\u1ec3n sang \u0111\u1ec1u \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 381\/Q\u0110-NH1 ng\u00e0y 28-12-1995: \u201cS\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf, ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a d\u00e2n c\u01b0 v\u00e0 d\u01b0 n\u1ee3 vay ng\u00e2n h\u00e0ng \u0111\u1ebfn cu\u1ed1i ng\u00e0y 31-12-1995 chuy\u1ec3n sang \u0111\u1ec1u \u00e1p d\u1ee5ng theo l\u00e3i su\u1ea5t t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 191\/Q\u0110-NH1 ng\u00e0y 15-7-1996: \u201cC\u00e1c kho\u1ea3n cho vay ph\u00e1t sinh t\u1eeb ng\u00e0y 16 th\u00e1ng 7 n\u0103m 1996 thi h\u00e0nh theo m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 225\/Q\u0110-NH1 ng\u00e0y 27-8-1996: \u201cC\u00e1c kho\u1ea3n cho vay ph\u00e1t sinh t\u1eeb ng\u00e0y 1 th\u00e1ng 9 n\u0103m 1996 thi h\u00e0nh theo m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/Q\u0110-NH1 ng\u00e0y 27-9-1996: \u201cC\u00e1c kho\u1ea3n cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u00e1t sinh t\u1eeb ng\u00e0y 01 th\u00e1ng 10 n\u0103m 1996 thi h\u00e0nh theo m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 197\/Q\u0110-NH1 ng\u00e0y 28-6-1997: \u201cS\u1ed1 d\u01b0 c\u00e1c lo\u1ea1i n\u1ee3 qu\u00e1 h\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 n\u1ee3 qu\u00e1 h\u1ea1n c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 d\u00e2n c\u01b0 ph\u00e1t sinh k\u1ec3 t\u1eeb ng\u00e0y 30 th\u00e1ng 06 n\u0103m 1997 chuy\u1ec3n sang v\u1eabn gi\u1eef m\u1ee9c l\u00e3i su\u1ea5t ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n.<\/p>\n

C\u00e1c kho\u1ea3n cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 d\u00e2n c\u01b0 ph\u00e1t sinh k\u1ec3 t\u1eeb ng\u00e0y 01 th\u00e1ng 07 n\u0103m 1997 thi h\u00e0nh theo m\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay t\u1ea1i Quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 39\/1998\/Q\u0110-NHNN1 ng\u00e0y 17-1-1998: \u201cM\u1ee9c tr\u1ea7n l\u00e3i su\u1ea5t cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam n\u00f3i tr\u00ean \u00e1p d\u1ee5ng cho c\u1ea3 khu v\u1ef1c th\u00e0nh th\u1ecb v\u00e0 n\u00f4ng th\u00f4n \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n cho vay ph\u00e1t sinh k\u1ec3 t\u1eeb ng\u00e0y 21 th\u00e1ng 01 n\u0103m 1998. S\u1ed1 d\u01b0 n\u1ee3 cho vay ng\u1eafn h\u1ea1n, trung h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n \u0111\u1ebfn cu\u1ed1i ng\u00e0y 20 th\u00e1ng 01 n\u0103m 1998 ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n theo l\u00e3i su\u1ea5t cho vay ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (kh\u1ebf \u01b0\u1edbc vay ti\u1ec1n)\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1 ng\u00e0y 29-5-1999: \u201cS\u1ed1 d\u01b0 n\u1ee3 \u0111\u00e3 cho vay v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ch\u01b0a gi\u1ea3i ng\u00e2n \u0111\u1ebfn h\u1ebft ng\u00e0y 31-5-1999 chuy\u1ec3n sang \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n theo m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00e3 tho\u1ea3 thu\u1eadn tr\u00ean h\u1ee3p \u0111\u1ed3ng\u201d.<\/p>\n

– Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/1999\/Q\u0110-NHNN1 ng\u00e0y 30-7-1999: \u201cS\u1ed1 d\u01b0 n\u1ee3 \u0111\u00e3 cho vay v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u00e3 k\u00fd k\u1ebft nh\u01b0ng ch\u01b0a gi\u1ea3i ng\u00e2n h\u1ebft ho\u1eb7c ch\u01b0a gi\u1ea3i ng\u00e2n \u0111\u1ebfn h\u1ebft ng\u00e0y 31-7-1999 chuy\u1ec3n sang \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n theo m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00e3 tho\u1ea3 thu\u1eadn gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Vi\u1ec7c xem x\u00e9t \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c kho\u1ea3n vay n\u00e0y theo tr\u1ea7n l\u00e3i su\u1ea5t m\u1edbi do T\u1ed5ng gi\u00e1m \u0111\u1ed1c (Gi\u00e1m \u0111\u1ed1c) t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh\u201d.<\/p>\n

Nh\u01b0 v\u1eady, theo c\u00e1c Quy\u1ebft \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t n\u00f3i tr\u00ean, nh\u1eefng kho\u1ea3n n\u1ee3 vay t\u1ed3n t\u1ea1i t\u1eeb tr\u01b0\u1edbc ng\u00e0y 20-4-1993 \u0111\u1ebfn nay ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t theo t\u1eebng giai \u0111o\u1ea1n, trong \u0111\u00f3 c\u00f3 m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c chuy\u1ec3n sang \u00e1p d\u1ee5ng theo m\u1ee9c l\u00e3i su\u1ea5t m\u1edbi v\u00e0 c\u00f3 m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m th\u00ec v\u1eabn gi\u1eef nguy\u00ean m\u1ee9c l\u00e3i su\u1ea5t c\u0169. N\u1ebfu c\u0103n c\u1ee9 v\u00e0o Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1, th\u00ec c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp tr\u01b0\u1edbc ng\u00e0y 19-4-1993 \u0111\u1ec1u \u0111\u01b0\u1ee3c chuy\u1ec3n sang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1. V\u1eady sau \u0111\u00f3 kh\u00f4ng c\u00f3 l\u00fd do g\u00ec c\u00e1c kho\u1ea3n n\u1ee3 c\u0169 l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n sang \u00e1p d\u1ee5ng theo c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t cho vay \u0111\u00e3 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh t\u1ea1i \u00edt nh\u1ea5t l\u00e0 3 m\u1ed1c th\u1eddi gian nh\u01b0 sau:<\/p>\n

– T\u1eeb ng\u00e0y 01-10-1993: \u0110\u1ec1u chuy\u1ec3n sang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 184\/Q\u0110-NH1;<\/p>\n

– T\u1eeb ng\u00e0y 01-01-1996: \u0110\u1ec1u chuy\u1ec3n sang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 381\/Q\u0110-NH1;<\/p>\n

– T\u1eeb ng\u00e0y 01-06-1999: \u0110\u1ec1u chuy\u1ec3n sang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1;<\/p>\n

C\u00e1c m\u1ed1c th\u1eddi gian c\u00f2n l\u1ea1i v\u00e0o c\u00e1c ng\u00e0y 16-7-1996, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 191\/Q\u0110-NH1; ng\u00e0y 1-9-1996, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 225\/Q\u0110-NH1; ng\u00e0y 1-10-1996 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/Q\u0110-NH1; ng\u00e0y 1-7-1997, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 197\/Q\u0110-NH1 v\u00e0 ng\u00e0y 21-1-1998, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 39\/1998\/Q\u0110-NHNN1 th\u00ec kh\u00f4ng chuy\u1ec3n sang \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh m\u1edbi m\u00e0 v\u1eabn \u00e1p d\u1ee5ng theo c\u00e1c m\u1ee9c c\u0169. Ri\u00eang m\u1ed1c th\u1eddi gian t\u1eeb ng\u00e0y 1-8-1999 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 266\/1999\/Q\u0110-NHNN1 ng\u00e0y 30-7-1999, th\u00ec vi\u1ec7c xem x\u00e9t \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m hay kh\u00f4ng gi\u1ea3m l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c kho\u1ea3n vay thu\u1ed9c quy\u1ec1n quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Trong khi \u0111\u00f3, C\u00f4ng v\u0103n n\u00f3i tr\u00ean l\u1ea1i h\u01b0\u1edbng d\u1eabn: \u201cc\u00f2n t\u1eeb ng\u00e0y 19-4-1993 tr\u1edf v\u1ec1 sau th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i theo quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1 n\u00f3i tr\u00ean\u201d. Nh\u01b0 v\u1eady, gi\u1ea3i th\u00edch tr\u00ean kh\u00f4ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf c\u00e1c quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. \u0110o\u1ea1n n\u00e0y \u0111\u00e3 l\u00e0m cho \u0111a s\u1ed1 m\u1ecdi ng\u01b0\u1eddi hi\u1ec3u theo hai c\u00e1ch nh\u01b0 sau:<\/p>\n

– T\u1eeb ng\u00e0y 19-4-1993 tr\u1edf \u0111i, l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh c\u1ed1 \u0111\u1ecbnh theo m\u1ee9c l\u00e3i su\u1ea5t cho vay c\u00f9ng lo\u1ea1i \u0111\u00e3 quy \u0111\u1ecbnh trong Quy\u1ebft \u0111\u1ecbnh s\u1ed1 79\/Q\u0110-NH1;<\/p>\n

– T\u1eeb ng\u00e0y 19-4-1993 tr\u1edf \u0111i, l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c chuy\u1ec3n sang m\u1ee9c l\u00e3i su\u1ea5t m\u1edbi m\u1ed7i khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 quy \u0111\u1ecbnh thay \u0111\u1ed5i l\u00e3i su\u1ea5t.<\/p>\n

C\u1ea3 hai c\u00e1ch hi\u1ec3u tr\u00ean \u0111\u1ec1u kh\u00f4ng h\u1ee3p l\u00fd v\u00e0 thi\u1ebfu c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u0169ng nh\u01b0 c\u01a1 s\u1edf th\u1ef1c t\u1ebf . V\u1eady \u0111i\u1ec1u n\u00e0y r\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan c\u00f3 tr\u00e1ch nhi\u1ec7m l\u00e0m r\u00f5.<\/p>\n

3- V\u1ec1 l\u00e3i su\u1ea5t cho vay qu\u00e1 h\u1ea1n<\/strong><\/h5>\n

Hi\u1ec7n nay Kho\u1ea3n 2, \u0110i\u1ec1u 313;\u00a0 kho\u0103n 5, \u0110i\u1ec1u 471 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1; \u0110i\u1ec1u 233, Lu\u1eadt Th\u01b0\u01a1ng m\u1ea1i; \u0110i\u1ec3m e, kho\u1ea3n 2, \u0111i\u1ec1u 13 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 17-H\u0110BT ng\u00e0y 16-1-1990 c\u1ee7a H\u0110BT quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh Ph\u00e1p l\u1ec7nh H\u1ee3p \u0111\u1ed3ng kinh t\u1ebf v\u00e0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 01\/TTLT ng\u00e0y 19-6-1997 n\u00f3i tr\u00ean \u0111\u1ec1u c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u1ebfu ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 ch\u1eadm thanh to\u00e1n ti\u1ec1n vay (ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i), th\u00ec ph\u1ea3i tr\u1ea3 l\u00e3i cho s\u1ed1 ti\u1ec1n ch\u1eadm thanh to\u00e1n theo l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh. C\u00e1c quy \u0111\u1ecbnh \u0111\u00f3 c\u00f3 l\u1ebd xu\u1ea5t ph\u00e1t t\u1eeb th\u1ef1c t\u1ebf nhi\u1ec1u n\u0103m tr\u01b0\u1edbc \u0111\u00e2y, l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc lu\u00f4n quy \u0111\u1ecbnh v\u1edbi m\u1ed9t m\u1ee9c c\u1ed1 \u0111\u1ecbnh b\u1eb1ng 150% c\u1ee7a l\u00e3i su\u1ea5t trong h\u1ea1n.<\/p>\n

Nh\u01b0ng k\u1ec3 t\u1eeb ng\u00e0y 1-6-1999 tr\u1edf \u0111i, theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 189\/1999\/Q\u0110-NHNN1 ng\u00e0y 29-5-1999 n\u00f3i tr\u00ean, quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i c\u01a1 b\u1ea3n nh\u01b0 sau: \u201cL\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u01b0\u1ee3c tho\u1ea3 thu\u1eadn c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa b\u00ean cho vay v\u00e0 b\u00ean \u0111i vay, nh\u01b0ng t\u1ed1i \u0111a kh\u00f4ng qu\u00e1 150% m\u1ee9c l\u00e3i su\u1ea5t cho vay trong h\u1ea1n c\u00f9ng lo\u1ea1i\u201d. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0, l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n tr\u00ean c\u00f3 th\u1ec3 thay \u0111\u1ed5i trong kho\u1ea3ng b\u1eb1ng t\u1eeb 100% cho \u0111\u1ebfn <<\/u> 150% l\u00e3i su\u1ea5t trong h\u1ea1n. V\u1eady l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n l\u00e0m c\u0103n c\u1ee9 \u0111\u1ec3 To\u00e0 \u00e1n \u00e1p d\u1ee5ng x\u00e9t x\u1eed c\u00e1c tranh ch\u1ea5p cho vay ti\u1ec1n s\u1ebd l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a (b\u1eb1ng 1,5 l\u1ea7n) hay m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i thi\u1ec3u (b\u1eb1ng 1 l\u1ea7n) hay m\u1ee9c trung b\u00ecnh (b\u1eb1ng 1,25 l\u1ea7n) trong kho\u1ea3ng tr\u00ean?<\/p>\n

\u0110\u00f3 c\u0169ng l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng l\u00e0m r\u00f5.<\/p>\n

 <\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/a> Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/p>\n

______<\/p>\n

 <\/p>\n

B\u00e0i vi\u1ebft \u0111\u0103ng T\u1ea1p ch\u00ed To\u00e0 \u00e1n Nh\u00e2n d\u00e2n s\u1ed1 11-1999<\/u><\/em><\/strong>","protected":false},"excerpt":{"rendered":"

V\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n (TAND) – C\u00e1c To\u00e0 \u00e1n th\u01b0\u1eddng ph\u1ea3i gi\u1ea3i quy\u1ebft r\u1ea5t nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n m\u00e0 trong \u0111\u00f3, l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 v\u01b0\u1edbng m\u1eafc hay x\u1ea3y ra. Tuy \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 v\u0103n b\u1ea3n […]<\/p>\n","protected":false},"author":7,"featured_media":4736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[],"class_list":["post-4733","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media"],"acf":[],"yoast_head":"\n50. V\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"L\u00e3i su\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n: C\u00e1c To\u00e0 \u00e1n gi\u1ea3i quy\u1ebft r\u1ea5t nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong \u0111\u00f3, l\u00e3i su\u1ea5t l\u00e0 m\u1ed9t...\" \/>\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\/51-ve-cach-tinh-lai-suat-trong-cac-hop-dong-vay-tai-san\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]50. 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