{"id":4759,"date":"2010-04-29T17:16:49","date_gmt":"2010-04-29T10:16:49","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4759"},"modified":"2024-11-07T15:20:14","modified_gmt":"2024-11-07T08:20:14","slug":"122a-uy-quyen-the-chap-chu-khong-phai-la-uy-quyen-vay-von","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/122a-uy-quyen-the-chap-chu-khong-phai-la-uy-quyen-vay-von\/","title":{"rendered":"122a. U\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 u\u1ef7 quy\u1ec1n vay v\u1ed1n."},"content":{"rendered":"<h4><span style=\"color: #723918;\">U\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 u\u1ef7 quy\u1ec1n vay v\u1ed1n<\/span><\/h4>\n<h5><strong>(TAND) V\u1ee5 vi\u1ec7c v\u00e0 v\u1ea5n \u0111\u1ec1 \u00a0\u00a0<\/strong><\/h5>\n<p>T\u1ea1p ch\u00ed To\u00e0 \u00e1n Nh\u00e2n d\u00e2n s\u1ed1 8, th\u00e1ng 4-2010 c\u00f3 \u0111\u0103ng b\u00e0i \u201c<em>H\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n, nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u00fd lu\u1eadn v\u00e0 th\u1ef1c ti\u1ec5n \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt<\/em>\u201d c\u1ee7a t\u00e1c gi\u1ea3 Nguy\u1ec5n V\u0103n B\u01b0\u1eddng, Th\u1ea9m ph\u00e1n To\u00e0 Ph\u00fac th\u1ea9m TANDTC t\u1ea1i \u0110\u00e0 N\u1eb5ng. T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e3 n\u00eau ra m\u1ed9t v\u1ee5 \u00e1n, trong \u0111\u00f3 n\u1ed5i c\u1ed9m l\u00ean nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng. T\u00e1c gi\u1ea3 \u0111\u00e3 tr\u00edch d\u1eabn n\u1ed9i dung quan tr\u1ecdng nh\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n trong v\u1ee5 \u00e1n n\u00e0y \u0111\u01b0\u1ee3c l\u1eadp v\u00e0o ng\u00e0y 15-8-2006 l\u00e0: \u201c<em>\u00d4ng Th u\u1ef7 quy\u1ec1n cho \u00f4ng L\u00ea V\u0103n D \u0111\u01b0\u1ee3c d\u00f9ng gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a \u00f4ng Th \u0111\u1ec3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p vay v\u1ed1n t\u1ea1i Chi nh\u00e1nh Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p th\u00e0nh ph\u1ed1 Q<\/em>\u201d. Do \u00f4ng D. kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 vay v\u00e0 \u0111\u00e3 b\u1ecb k\u1ebft t\u1ed9i l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, n\u00ean c\u00e1c c\u1ea5p To\u00e0 \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh ph\u00e1t m\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a \u00f4ng Th. \u0111\u1ec3 thu n\u1ee3 cho ng\u00e2n h\u00e0ng. Qua \u0111\u00f3, t\u00e1c gi\u1ea3 cho r\u1eb1ng, c\u00f3 m\u1ed9t lo\u1ea1t v\u1ea5n \u0111\u1ec1 \u0111\u00e3 b\u1ecb nh\u1eadn th\u1ee9c v\u00e0 \u00e1p d\u1ee5ng sai ph\u00e1p lu\u1eadt trong v\u1ee5 vi\u1ec7c n\u00e0y nh\u01b0:<\/p>\n<ul>\n<li>\u201c<em>B\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n m\u00e0 \u00f4ng Th l\u1eadp ch\u00ednh l\u00e0 \u00f4ng Th nh\u1edd \u00f4ng D mang gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a m\u00ecnh \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 vay ti\u1ec1n cho \u00f4ng Th<\/em>\u201d, nh\u01b0ng \u00f4ng D. \u0111\u00e3 \u201c<em>l\u1ee3i d\u1ee5ng h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n c\u00f3 s\u1ef1 ch\u1ee9ng th\u1ef1c c\u1ee7a c\u00f4ng ch\u1ee9ng \u0111\u1ec3 vay v\u1ed1n cho ch\u00ednh b\u1ea3n th\u00e2n m\u00ecnh<\/em>\u201d;<\/li>\n<li>\u201c<em>Kh\u00f4ng th\u1ec3 c\u00f3 ki\u1ec3u h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n nh\u01b0 v\u1eady, \u00f4ng Th u\u1ef7 quy\u1ec1n cho \u00f4ng D, nh\u01b0ng \u00f4ng D l\u1ea1i kh\u00f4ng nh\u00e2n danh \u00f4ng Th, m\u00e0 nh\u00e2n danh ch\u00ednh m\u00ecnh \u0111\u1ec3 vay, c\u00f2n \u00f4ng Th th\u00ec gi\u1ed1ng nh\u01b0 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh. \u0110i\u1ec1u n\u00e0y v\u1eeba tr\u00e1i v\u1edbi h\u00ecnh th\u1ee9c, v\u1eeba tr\u00e1i v\u1edbi n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/em>\u201d.<\/li>\n<li>Ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m \u201c<em>tr\u00e1i ph\u00e1p lu\u1eadt<\/em>\u201d khi \u201c<em>tu\u1ef3 ti\u1ec7n cho \u00f4ng D vay<\/em>\u201d m\u00e0 kh\u00f4ng \u201c<em>bu\u1ed9c \u00f4ng Th l\u1eadp v\u0103n b\u1ea3n b\u1ea3o l\u00e3nh ho\u1eb7c ghi trong h\u1ee3p \u0111\u1ed3ng ch\u00ednh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 362 BLDS<\/em>\u201d v\u1ec1 <a name=\"_Toc246746938\"><\/a>\u201cH\u00ecnh th\u1ee9c b\u1ea3o l\u00e3nh\u201d;<\/li>\n<li>Ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m kh\u00f4ng \u0111\u00fang th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd khi \u201c<em>trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng kh\u00f4ng c\u1ea7n \u00f4ng Th k\u00fd, m\u1eb7c d\u00f9 trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 t\u00ean Th v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a \u00f4ng Th<\/em>\u201d;<\/li>\n<li>Ch\u1ee7 t\u00e0i s\u1ea3n, ph\u00f2ng c\u00f4ng ch\u1ee9ng, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng \u0111\u1ec1u \u0111\u00e3 nh\u1ea7m l\u1eabn \u201c<em>do nh\u1eadn th\u1ee9c kh\u00f4ng \u0111\u00fang v\u1ec1 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/em>\u201d, kh\u00f4ng n\u1eafm v\u1eefng quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 581 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 (BLDS) v\u1ec1 \u201c<a name=\"_Toc246747182\"><\/a>H\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n\u201d;<\/li>\n<\/ul>\n<h4>T\u00f4i xin trao \u0111\u1ed5i v\u1ec1 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 trong b\u00e0i vi\u1ebft n\u00e0y nh\u01b0 sau:<\/h4>\n<h5><strong>V\u1ec1 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/strong><\/h5>\n<p>Ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n th\u00ec c\u00f3 quy\u1ec1n chi\u1ebfm h\u1eefu, s\u1eed d\u1ee5ng, \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh. Quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n bao g\u1ed3m quy\u1ec1n b\u00e1n (chuy\u1ec3n nh\u01b0\u1ee3ng), trao \u0111\u1ed5i, t\u1eb7ng cho, cho vay m\u01b0\u1ee3n, \u0111\u1ec3 th\u1eeba k\u1ebf, t\u1eeb b\u1ecf ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ecbnh \u0111o\u1ea1t kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n (\u0110i\u1ec1u 197 BLDS). Th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t trong nh\u1eefng quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t kh\u00e1c \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n. B\u1edfi ch\u1ea5p nh\u1eadn \u0111\u01b0a t\u00e0i s\u1ea3n v\u00e0o th\u1ebf ch\u1ea5p s\u1ebd \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ch\u1ea5p nh\u1eadn ph\u00e1t m\u1ea1i, x\u1eed l\u00fd t\u00e0i s\u1ea3n t\u00e0i s\u1ea3n \u0111\u00f3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 khi kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n.<\/p>\n<p>Ch\u1ee7 s\u1edf h\u1eefu c\u00f3 th\u1ec3 tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n ho\u1eb7c u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c th\u1ef1c hi\u1ec7n c\u00e1c c\u00e1c quy\u1ec1n tr\u00ean. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n c\u0169ng c\u00f3 quy\u1ec1n \u0111\u1ecbnh \u0111o\u1ea1t t\u00e0i s\u1ea3n theo u\u1ef7 quy\u1ec1n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu (\u0110i\u1ec1u 198 BLDS). \u0110\u00e2y l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng, \u0111\u00fang ph\u00e1p lu\u1eadt. Ng\u01b0\u1eddi c\u00f3 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u0169ng c\u00f3 c\u00e1c quy\u1ec1n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n.<\/p>\n<p>Trong tr\u01b0\u1eddng h\u1ee3p n\u00f3i tr\u00ean, \u0111\u01b0\u01a1ng nhi\u00ean \u00f4ng Th. \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u00e0 \u0111\u00e3 nh\u00e2n danh \u00f4ng D. k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 vay c\u1ee7a m\u00ecnh. Vi\u1ec7c n\u00e0y l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh v\u1ec1 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n t\u1ea1i \u0110i\u1ec1u 581 c\u1ee7a BLDS: \u201c<em>H\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean \u0111\u01b0\u1ee3c u\u1ef7 quy\u1ec1n c\u00f3 ngh\u0129a v\u1ee5 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c nh\u00e2n danh b\u00ean u\u1ef7 quy\u1ec1n<\/em>\u201d.<\/p>\n<p>N\u1ebfu trong h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n ch\u1ec9 ghi n\u1ed9i dung: \u201c<em>\u00d4ng Th u\u1ef7 quy\u1ec1n cho \u00f4ng L\u00ea V\u0103n D \u0111\u01b0\u1ee3c d\u00f9ng gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a \u00f4ng Th \u0111\u1ec3 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p vay v\u1ed1n\u2026<\/em>\u201d, th\u00ec \u0111\u00e3 kh\u00f4ng gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 vi\u1ec7c th\u1ebf ch\u1ea5p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho s\u1ed1 ti\u1ec1n vay l\u00e0 bao nhi\u00eau. \u0110i\u1ec1u \u0111\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u00f4ng Th. ch\u1ea5p nh\u1eadn d\u00f9ng to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho ngh\u0129a v\u1ee5 vay v\u1ed1n v\u1edbi m\u1ee9c cao nh\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn cho vay. Ph\u1ea1m vi u\u1ef7 quy\u1ec1n nh\u01b0 v\u1eady l\u00e0 r\u1ea5t r\u1ed9ng, nh\u01b0ng ho\u00e0n to\u00e0n l\u00e0 \u0111i\u1ec1u b\u00ecnh th\u01b0\u1eddng v\u00e0 \u0111\u00fang v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n<p>Nh\u01b0 v\u1eady, ch\u1ee7 t\u00e0i s\u1ea3n, c\u01a1 quan c\u00f4ng ch\u1ee9ng, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng trong v\u1ee5 vi\u1ec7c n\u00f3i tr\u00ean \u0111\u1ec1u \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 u\u1ef7 quy\u1ec1n v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 s\u1ef1 nh\u1ea7m l\u1eabn \u201c<em>do nh\u1eadn th\u1ee9c kh\u00f4ng \u0111\u00fang v\u1ec1 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/em>\u201d nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a t\u00e1c gi\u1ea3.<\/p>\n<h5><strong>V\u1ec1 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>N\u1ebfu h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p l\u00e0 v\u0103n b\u1ea3n cam k\u1ebft gi\u1eefa b\u00ean th\u1ebf ch\u1ea5p v\u1edbi b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p, th\u00ec h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 v\u0103n b\u1ea3n cam k\u1ebft gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay. Ch\u1ec9 trong tr\u01b0\u1eddng h\u1ee3p tho\u1ea3 thu\u1eadn th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c t\u00e1ch ra th\u00e0nh m\u1ed9t h\u1ee3p \u0111\u1ed3ng ri\u00eang, m\u00e0 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, th\u00ec b\u00ean th\u1ebf ch\u1ea5p m\u1edbi ph\u1ea3i k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. C\u00f2n tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 c\u00f3 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p, th\u00ec d\u00f9 cho c\u00f3 hay kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p ri\u00eang, ng\u01b0\u1eddi th\u1ebf ch\u1ea5p c\u0169ng kh\u00f4ng c\u1ea7n ph\u1ea3i k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng.<\/p>\n<p>B\u1ea3n ch\u1ea5t c\u1ee7a v\u1ee5 vi\u1ec7c n\u00f3i tr\u00ean, l\u00e0 \u00f4ng D. vay v\u1ed1n ng\u00e2n h\u00e0ng, c\u00f3 b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (theo u\u1ef7 quy\u1ec1n) c\u1ee7a \u00f4ng Th.. Trong v\u1ee5 \u00e1n n\u00f3i tr\u00ean, \u00f4ng D. l\u00e0 ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi ng\u00e2n h\u00e0ng \u201c<em>vay v\u1ed1n cho ch\u00ednh b\u1ea3n th\u00e2n m\u00ecnh<\/em>\u201dch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u201c<em>l\u1ee3i d\u1ee5ng h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n c\u00f3 s\u1ef1 ch\u1ee9ng th\u1ef1c c\u1ee7a c\u00f4ng ch\u1ee9ng\u201d <\/em>\u0111\u1ec3 vay v\u1ed1n ng\u00e2n h\u00e0ng. V\u00ec l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa \u00f4ng D. v\u1edbi ng\u00e2n h\u00e0ng, n\u00ean \u00f4ng D. ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1eb1ng ch\u00ednh t\u01b0 c\u00e1ch c\u1ee7a m\u00ecnh, ch\u1ee9 kh\u00f4ng th\u1ec3 nh\u00e2n danh \u00f4ng Th. \u0111\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. V\u00ec v\u1eady, \u00f4ng Th. kh\u00f4ng c\u00f3 l\u00fd do g\u00ec l\u1ea1i ph\u1ea3i k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng nh\u01b0 th\u1eafc m\u1eafc c\u1ee7a t\u00e1c gi\u1ea3. C\u00f2n trong h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 nh\u1eafc \u0111\u1ebfn t\u00ean ng\u01b0\u1eddi th\u1ebf ch\u1ea5p v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 ho\u00e0n to\u00e0n c\u1ea7n thi\u1ebft v\u00e0 \u0111\u00fang ph\u00e1p lu\u1eadt.<\/p>\n<p>T\u00e1c gi\u1ea3 \u0111\u00e3 nh\u1ea7m l\u1eabn t\u1eeb quan h\u1ec7 u\u1ef7 quy\u1ec1n \u201c<em>c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p<\/em>\u201d t\u00e0i s\u1ea3n \u0111\u1ec3 vay v\u1ed1n sang vi\u1ec7c u\u1ef7 quy\u1ec1n vay v\u1ed1n c\u00f3 t\u00e0i s\u1ea3n \u201c<em>c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p<\/em>\u201d. Hay n\u00f3i c\u00e1ch kh\u00e1c, l\u00e0 t\u00e1c gi\u1ea3 \u0111\u00e3 nh\u1ea7m l\u1eabn t\u1eeb h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p sang h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, n\u00ean m\u1edbi cho r\u1eb1ng \u0111\u00e3 c\u00f3 s\u1ef1 \u201c<em>nh\u1eadp nh\u1eb1ng<\/em>\u201d trong v\u1ee5 vi\u1ec7c n\u00f3i tr\u00ean. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, \u00f4ng Th. ch\u1ec9 k\u00fd m\u1ed9t h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p l\u00e0 \u0111\u1ee7 y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd, ch\u1ee9 kh\u00f4ng c\u00f3 l\u00fd do g\u00ec b\u1eaft ph\u1ea3i c\u00f3 th\u00eam h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p hay \u201c<em>b\u1ea3o l\u00e3nh<\/em>\u201d n\u1eefa.<\/p>\n<p>N\u1ebfu k\u1ebft lu\u1eadn nh\u01b0 t\u00e1c gi\u1ea3, th\u00ec h\u00e0ng v\u1ea1n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c k\u00fd k\u1ebft tr\u00ean c\u01a1 s\u1edf u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay \u0111\u1ec1u v\u00f4 hi\u1ec7u do vi ph\u1ea1m vi ph\u1ea1m nghi\u00eam tr\u1ecdng quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt?<\/p>\n<h5><strong>V\u1ec1 c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p v\u00e0 b\u1ea3o l\u00e3nh<\/strong><\/h5>\n<p>T\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft tr\u00ean cho r\u1eb1ng: \u201c<em>tr\u01b0\u1eddng h\u1ee3p n\u00e0o g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh, tr\u01b0\u1eddng h\u1ee3p n\u00e0o g\u1ecdi l\u00e0 th\u1ebf ch\u1ea5p, c\u1ea7m c\u1ed1\u2026; u\u1ef7 quy\u1ec1n kh\u00e1c v\u1edbi b\u1ea3o l\u00e3nh, kh\u00f4ng th\u1ec3 c\u00f3 s\u1ef1 nh\u1eadp nh\u1eb1ng \u0111\u01b0\u1ee3c<\/em>\u201d. Nh\u01b0ng \u0111\u00e1ng ti\u1ebfc l\u00e0 ch\u00ednh t\u00e1c gi\u1ea3 l\u1ea1i kh\u00f4ng ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c \u0111\u00e2u l\u00e0 b\u1ea3o l\u00e3nh, \u0111\u00e2u l\u00e0 th\u1ebf ch\u1ea5p v\u00e0 \u0111\u00e2u l\u00e0 c\u1ea7m c\u1ed1.<\/p>\n<p>Theo kh\u00e1i ni\u1ec7m b\u1ea3o l\u00e3nh trong quy \u0111\u1ecbnh c\u1ee7a BLDS n\u0103m 1995, th\u00ec c\u00f3 3 tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec3n h\u00ecnh l\u00e0: Th\u1ee9 nh\u1ea5t l\u00e0 b\u1ea3o l\u00e3nh c\u00f3 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 k\u00e8m theo, th\u1ee9 hai l\u00e0 b\u1ea3o l\u00e3nh c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p k\u00e8m theo v\u00e0 th\u1ee9 ba l\u00e0 b\u1ea3o l\u00e3nh kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o k\u00e8m theo. Nh\u01b0ng theo quy \u0111\u1ecbnh c\u1ee7a BLDS n\u0103m 2005, th\u00ec ch\u1ec9 c\u00f2n tr\u01b0\u1eddng h\u1ee3p th\u1ee9 ba m\u1edbi \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh. Tr\u01b0\u1eddng h\u1ee3p th\u1ee9 nh\u1ea5t, \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba. Tr\u01b0\u1eddng h\u1ee3p th\u1ee9 hai, \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba. Ch\u1ec9 c\u00f2n tr\u01b0\u1eddng h\u1ee3p th\u1ee9 ba m\u1edbi ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh (kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p n\u00e0o k\u00e8m theo). C\u00e1i kh\u00f3 l\u00e0m cho r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn l\u00e0 \u1edf ch\u1ed7, BLDS kh\u00f4ng di\u1ec5n \u0111\u1ea1t r\u00f5 c\u00e2u ch\u1eef nh\u01b0 v\u1eady. Tuy nhi\u00ean, c\u00f3 th\u1ec3 hi\u1ec3u v\u1ea5n \u0111\u1ec1 n\u00e0y theo c\u00e1ch gi\u1ea3i th\u00edch t\u1ea1i kho\u1ea3n 4, \u0110i\u1ec1u 72, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 Giao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0: Vi\u1ec7c \u201c<em>b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d theo quy \u0111\u1ecbnh c\u0169 \u201c<em>\u0111\u01b0\u1ee3c chuy\u1ec3n th\u00e0nh vi\u1ec7c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng c\u00f2n t\u1ed3n t\u1ea1i kh\u00e1i ni\u1ec7m b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y. C\u0169ng kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m c\u1ea7m c\u1ed1 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Ch\u1ec9 c\u00f2n duy nh\u1ea5t m\u1ed9t kh\u00e1i ni\u1ec7m th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, ch\u1ec9 kh\u00e1c nhau \u1edf ch\u1ed7, \u0111\u00f3 l\u00e0 th\u1ebf ch\u1ea5p c\u1ee7a ch\u00ednh ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 ho\u1eb7c l\u00e0 th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba (t\u1eeb n\u0103m 2005 tr\u1edf v\u1ec1 tr\u01b0\u1edbc g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh).<\/p>\n<p>Trong b\u00e0i vi\u1ebft, t\u00e1c gi\u1ea3 c\u0169ng nh\u1ea5n m\u1ea1nh \u0111\u1ebfn vi\u1ec7c ph\u1ea3i ph\u00e2n bi\u1ec7t \u0111\u00fang kh\u00e1i ni\u1ec7m ph\u00e1p l\u00fd, nh\u01b0ng ch\u00ednh t\u00e1c gi\u1ea3 \u0111\u00e3 5 l\u1ea7n nh\u1eafc \u0111\u1ebfn c\u1ee5m t\u1eeb c\u01a1 quan c\u00f4ng ch\u1ee9ng \u201cch\u1ee9ng th\u1ef1c\u201d h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, trong khi \u0111\u00fang thu\u1eadt ng\u1eef ph\u00e1p l\u00fd, th\u00ec c\u01a1 quan c\u00f4ng ch\u1ee9ng ch\u1ec9 \u201cch\u1ee9ng nh\u1eadn\u201d, ch\u1ee9 kh\u00f4ng \u201cch\u1ee9ng th\u1ef1c\u201d h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. Vi\u1ec7c \u201cch\u1ee9ng th\u1ef1c\u201d h\u1ee3p \u0111\u1ed3ng (n\u1ebfu c\u00f3) ch\u1ec9 \u0111\u01b0\u1ee3c d\u00f9ng cho ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng th\u1ef1c c\u1ee7a UBND.<\/p>\n<h5><strong>K\u1ebft lu\u1eadn<\/strong><\/h5>\n<p>N\u1ebfu nh\u01b0 quy l\u1ed7i trong trong nhi\u1ec1u v\u1ee5 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1 n\u00f3i chung v\u00e0 trong v\u1ee5 \u00e1n c\u1ee5 th\u1ec3 n\u00f3i tr\u00ean, th\u00ec l\u1ed7i \u0111\u1ea7u ti\u00ean v\u00e0 ch\u1ee7 y\u1ebfu l\u00e0 do ch\u1ee7 t\u00e0i s\u1ea3n l\u00e0 \u00f4ng Th. \u0110\u00e3 u\u1ef7 quy\u1ec1n cho ng\u01b0\u1eddi kh\u00e1c mang t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh \u0111i th\u1ebf ch\u1ea5p, nh\u01b0ng \u0111\u00e3 kh\u00f4ng hi\u1ec3u bi\u1ebft ph\u00e1p lu\u1eadt ho\u1eb7c do qu\u00e1 t\u1ef1 tin m\u00e0 ngh\u0129 r\u1eb1ng, ng\u01b0\u1eddi vay v\u1ed1n s\u1ebd tr\u1ea3 n\u1ee3 s\u00f2ng ph\u1eb3ng, th\u00ec t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh v\u1eabn c\u00f2n nguy\u00ean v\u1eb9n.<\/p>\n<p>C\u01a1 quan c\u00f4ng ch\u1ee9ng v\u00e0 ng\u00e2n h\u00e0ng, n\u1ebfu c\u00f3 l\u1ed7i trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, th\u00ec c\u00f3 th\u1ec3 ch\u1ec9 l\u00e0 kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 cho \u00f4ng Th. bi\u1ebft h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p l\u00e0 c\u00f3 th\u1ec3 m\u1ea5t to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n, n\u1ebfu nh\u01b0 ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 ngh\u0129a v\u1ee5 \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i bi\u1ebft c\u1ee7a ng\u01b0\u1eddi u\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p.<\/p>\n<p>T\u00f3m l\u1ea1i, trong v\u1ee5 \u00e1n n\u00f3i tr\u00ean, vi\u1ec7c ng\u00e2n h\u00e0ng cho \u00f4ng D. vay, c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a \u00f4ng Th. l\u00e0 ho\u00e0n to\u00e0n \u0111\u00fang ph\u00e1p lu\u1eadt, ch\u1ee9 kh\u00f4ng \u201c<em>tu\u1ef3 ti\u1ec7n cho \u00f4ng D. vay<\/em>\u201d. Kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 y\u1ebfu t\u1ed1 n\u00e0o c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn k\u1ebft lu\u1eadn, vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng c\u00f3 th\u1ebf ch\u1ea5p b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t l\u00e0<em> \u201cv\u1eeba tr\u00e1i v\u1edbi h\u00ecnh th\u1ee9c, v\u1eeba tr\u00e1i v\u1edbi n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n<\/em>\u201d nh\u01b0 nh\u1eadn \u0111\u1ecbnh c\u1ee7a t\u00e1c gi\u1ea3 b\u00e0i vi\u1ebft n\u00f3i tr\u00ean. V\u00e0 c\u01a1 quan c\u00f4ng ch\u1ee9ng c\u0169ng nh\u01b0 c\u00e1c c\u01a1 quan ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng \u0111\u00e3 hi\u1ec3u v\u00e0 gi\u1ea3i quy\u1ebft \u0111\u00fang ph\u00e1p lu\u1eadt v\u1ec1 h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n.<\/p>\n<p><strong><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/strong><\/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><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\">,<\/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>&#8212;&#8212;","protected":false},"excerpt":{"rendered":"<p>U\u1ef7 quy\u1ec1n th\u1ebf ch\u1ea5p ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 u\u1ef7 quy\u1ec1n vay v\u1ed1n (TAND) V\u1ee5 vi\u1ec7c v\u00e0 v\u1ea5n \u0111\u1ec1 \u00a0\u00a0 T\u1ea1p ch\u00ed To\u00e0 \u00e1n Nh\u00e2n d\u00e2n s\u1ed1 8, th\u00e1ng 4-2010 c\u00f3 \u0111\u0103ng b\u00e0i \u201cH\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n, nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u00fd lu\u1eadn v\u00e0 th\u1ef1c ti\u1ec5n \u00e1p d\u1ee5ng ph\u00e1p lu\u1eadt\u201d c\u1ee7a t\u00e1c gi\u1ea3 Nguy\u1ec5n V\u0103n B\u01b0\u1eddng, Th\u1ea9m [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,36],"class_list":["post-4759","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-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>122a. 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