{"id":49071,"date":"2025-10-28T16:28:28","date_gmt":"2025-10-28T09:28:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=49071"},"modified":"2025-11-17T13:54:33","modified_gmt":"2025-11-17T06:54:33","slug":"4-183-vay-dat-coc-nha-dat-sai-tu-chu-dau-tu-den-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-183-vay-dat-coc-nha-dat-sai-tu-chu-dau-tu-den-ngan-hang\/","title":{"rendered":"4.183. Vay \u0111\u1eb7t c\u1ecdc nh\u00e0 \u0111\u1ea5t: Sai t\u1eeb ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng."},"content":{"rendered":"<h4><span style=\"color: #723918;\"><strong>Vay \u0111\u1eb7t c\u1ecdc nh\u00e0 \u0111\u1ea5t: Sai t\u1eeb ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng.<\/strong><\/span><\/h4>\n<p>(24h) &#8211; C\u00e1c v\u1ee5 cho vay \u0111\u1eb7t c\u1ecdc b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u01a1i b\u00e0y l\u1ed7 h\u1ed5ng l\u1edbn trong qu\u1ea3n tr\u1ecb t\u00edn d\u1ee5ng, khi ng\u00e2n h\u00e0ng d\u1ec5 d\u00e0ng gi\u1ea3i ng\u00e2n cho c\u00e1c d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd. V\u1ee5 ki\u1ec7n gi\u1eefa ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng \u2013 Novareal tr\u1edf th\u00e0nh h\u1ed3i chu\u00f4ng c\u1ea3nh b\u00e1o, bu\u1ed9c c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 t\u00f2a \u00e1n ph\u1ea3i xem x\u00e9t l\u1ea1i tr\u00e1ch nhi\u1ec7m c\u1ee7a h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng trong vi\u1ec7c ti\u1ebfp tay cho \u0111\u1ea7u c\u01a1 v\u00e0 r\u1ee7i ro ph\u00e1p l\u00fd tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n<p data-v-587d5c06=\"\">Trong giai \u0111o\u1ea1n ti\u1ec1n b\u00e1n h\u00e0ng, ng\u00e2n h\u00e0ng l\u1ebd ra ph\u1ea3i l\u00e0 \u201cvan ki\u1ec3m so\u00e1t\u201d r\u1ee7i ro c\u1ee7a\u00a0th\u1ecb tr\u01b0\u1eddng\u00a0b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Th\u1ebf nh\u01b0ng, vi\u1ec7c d\u1ec5 d\u00e3i\u00a0gi\u1ea3i ng\u00e2n\u00a0cho c\u00e1c d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n m\u1edf b\u00e1n \u0111ang khi\u1ebfn vai tr\u00f2 \u0111\u00f3 b\u1ecb x\u00f3i m\u00f2n \u2014 bi\u1ebfn \u201cb\u1ed9 l\u1ecdc an to\u00e0n\u201d th\u00e0nh \u201cc\u00e1nh c\u1eeda m\u1edf r\u1ed9ng\u201d cho nh\u1eefng giao d\u1ecbch ti\u1ec1m \u1ea9n r\u1ee7i ro v\u00e0 \u0111\u1eb7t ra d\u1ea5u h\u1ecfi l\u1edbn v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng.<\/p>\n<h5><strong>L\u1ed7 h\u1ed5ng t\u1eeb nh\u1eefng kho\u1ea3n vay \u0111\u1eb7t c\u1ecdc<\/strong><\/h5>\n<p data-v-587d5c06=\"\">V\u1ee5 ki\u1ec7n gi\u1eefa ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng \u2013 Novareal ph\u01a1i b\u00e0y th\u1ef1c tr\u1ea1ng \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng: ch\u1ec9 v\u1edbi m\u1ed9t \u201cv\u0103n b\u1ea3n th\u1ecfa thu\u1eadn mua b\u00e1n bi\u1ec7t th\u1ef1\u201d, ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u1ea3i ng\u00e2n h\u00e0ng t\u1ef7 \u0111\u1ed3ng v\u00e0o t\u00e0i kho\u1ea3n Novareal \u2014 m\u1ed9t doanh nghi\u1ec7p kh\u00f4ng ph\u1ea3i ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00f4ng c\u00f3 ch\u1ee9c n\u0103ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. H\u1ec7 qu\u1ea3, t\u00f2a tuy\u00ean h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u00f4 hi\u1ec7u, ng\u00e2n h\u00e0ng m\u1ea5t kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3, v\u00e0 nguy c\u01a1 domino ph\u00e1p l\u00fd \u0111ang l\u01a1 l\u1eedng v\u1edbi h\u00e0ng lo\u1ea1t h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng t\u1ef1.<\/p>\n<p data-v-587d5c06=\"\">Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Chi nh\u00e1nh Khu v\u1ef1c 2 \u0111\u00e3 ph\u00e1t \u0111i c\u1ea3nh b\u00e1o kh\u1ea9n, y\u00eau c\u1ea7u t\u1ea1m d\u1eebng\u00a0cho vay\u00a0thanh to\u00e1n\u00a0ti\u1ec1n \u0111\u1eb7t c\u1ecdc theo \u201cv\u0103n b\u1ea3n th\u1ecfa thu\u1eadn\u201d cho \u0111\u1ebfn khi c\u00f3 k\u1ebft lu\u1eadn ch\u00ednh th\u1ee9c. C\u01a1 quan n\u00e0y c\u0169ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng r\u00e0 so\u00e1t, ph\u1ed1i h\u1ee3p x\u1eed l\u00fd c\u00e1c kho\u1ea3n vay \u0111\u00e3 ph\u00e1t sinh v\u00e0 x\u00e2y d\u1ef1ng quy tr\u00ecnh ki\u1ec3m so\u00e1t r\u1ee7i ro ri\u00eang n\u1ebfu nghi\u1ec7p v\u1ee5 n\u00e0y \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng tr\u1edf l\u1ea1i.<\/p>\n<p data-v-587d5c06=\"\">Theo TS. \u0110inh Th\u1ebf Hi\u1ec3n, vi\u1ec7c cho vay \u0111\u1eb7t c\u1ecdc \u0111i ng\u01b0\u1ee3c nguy\u00ean t\u1eafc t\u00edn d\u1ee5ng c\u01a1 b\u1ea3n: ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 v\u1ed1n t\u1ef1 c\u00f3 v\u00e0\u00a0t\u00e0i s\u1ea3n\u00a0\u0111\u1ea3m b\u1ea3o th\u1ef1c. H\u00ecnh th\u1ee9c n\u00e0y kh\u00f4ng ch\u1ec9 ph\u00e1 v\u1ee1 k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh m\u00e0 c\u00f2n \u201cti\u1ebfp s\u1ee9c\u201d cho \u0111\u1ea7u c\u01a1. \u00d4ng nh\u1ea5n m\u1ea1nh,\u00a0v\u1ed1n vay\u00a0ph\u1ea3i d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n th\u1eadt v\u00e0 n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 th\u1eadt \u2014 \u0111i\u1ec1u m\u00e0 c\u00e1c kho\u1ea3n vay \u0111\u1eb7t c\u1ecdc ho\u00e0n to\u00e0n kh\u00f4ng \u0111\u00e1p \u1ee9ng.<\/p>\n<p data-v-587d5c06=\"\">B\u1ea3n ch\u1ea5t, \u0111\u00e2y l\u00e0 d\u00f2ng v\u1ed1n ph\u1ee5c v\u1ee5 gi\u1edbi \u0111\u1ea7u c\u01a1 \u201cl\u01b0\u1edbt s\u00f3ng\u201d, ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi mua \u1edf th\u1eadt. Ch\u00ednh ng\u00e2n h\u00e0ng, b\u1eb1ng c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1eb7t c\u1ecdc, \u0111\u00e3 v\u00f4 t\u00ecnh bi\u1ebfn m\u00ecnh th\u00e0nh ngu\u1ed3n l\u1ef1c cho c\u01a1n s\u1ed1t \u0111\u1ea7u c\u01a1 lan r\u1ed9ng.<\/p>\n<h5><strong>Tr\u00e1ch nhi\u1ec7m kh\u00f4ng th\u1ec3 ph\u1ee7i tay<\/strong><\/h5>\n<h5><em>Theo <\/em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><strong><em>Lu\u1eadt s\u01b0\u00a0<\/em><\/strong><\/a><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\"><strong><em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/a> &#8211; <em>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt <a href=\"https:\/\/anvilaw.com\"><span style=\"color: #723918;\">ANVI<\/span><\/a>, b\u1ea3n \u00e1n gi\u1eefa ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng \u2013 Novareal l\u00e0 h\u1ed3i chu\u00f4ng c\u1ea3nh b\u00e1o cho chu\u1ed7i sai ph\u1ea1m k\u00e9o d\u00e0i nhi\u1ec1u n\u0103m. Khi \u201cth\u1ecfa thu\u1eadn \u0111\u1eb7t c\u1ecdc\u201d b\u1ecb xem l\u00e0 giao d\u1ecbch mua b\u00e1n tr\u00e1i lu\u1eadt, th\u00ec h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng k\u00e8m theo \u0111\u01b0\u01a1ng nhi\u00ean v\u00f4 hi\u1ec7u theo \u0110i\u1ec1u 405 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/em><\/h5>\n<p><em>\u00d4ng \u0110\u1ee9c cho r\u1eb1ng ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 coi m\u00ecnh l\u00e0 n\u1ea1n nh\u00e2n, v\u00ec h\u1ecd \u201cbi\u1ebft r\u00f5 nh\u1ea5t \u0111\u1ed3ng v\u1ed1n \u0111i \u0111\u00e2u, v\u1ec1 \u0111\u00e2u\u201d. Khi ch\u1ee7 \u0111\u1ed9ng gi\u1ea3i ng\u00e2n cho d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n huy \u0111\u1ed9ng v\u1ed1n, ng\u00e2n h\u00e0ng \u0111\u00e3 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN v\u00e0 tr\u1edf th\u00e0nh m\u1eaft x\u00edch ti\u1ebfp s\u1ee9c cho h\u00e0nh vi sai ph\u1ea1m.<\/em><\/p>\n<p><em>V\u1ecb lu\u1eadt s\u01b0 c\u0169ng ch\u1ec9 ra: trong chu\u1ed7i giao d\u1ecbch n\u00e0y, hi\u1ebfm b\u00ean n\u00e0o \u201cv\u00f4 t\u1ed9i\u201d. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u201cnh\u1eafm m\u1eaft\u201d v\u00ec l\u1ee3i \u00edch, nh\u01b0ng n\u1ebfu kh\u00e1ch sai m\u1ed9t, th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n h\u00e0ng sai m\u01b0\u1eddi. Nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u201c\u0111\u1eb7t c\u1ecdc\u201d th\u1ef1c ch\u1ea5t \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 l\u00e1ch lu\u1eadt, v\u1edbi s\u1ef1 ph\u1ed1i h\u1ee3p ng\u1ea7m gi\u1eefa ng\u00e2n h\u00e0ng, ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u00e0 m\u00f4i gi\u1edbi.<\/em><\/p>\n<p><em>\u0110\u00e1ng n\u00f3i, n\u1ebfu kh\u00f4ng c\u00f3 tranh ch\u1ea5p, c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y v\u1eabn \u00e2m th\u1ea7m t\u1ed3n t\u1ea1i \u2014 nu\u00f4i d\u01b0\u1ee1ng m\u1ed9t th\u1ecb tr\u01b0\u1eddng m\u00e9o m\u00f3, n\u01a1i sai ph\u1ea1m \u0111\u01b0\u1ee3c m\u1eb7c nhi\u00ean ch\u1ea5p nh\u1eadn mi\u1ec5n l\u00e0 \u201cai c\u0169ng c\u00f3 l\u1ee3i\u201d.<\/em><\/p>\n<p><em>Theo \u00f4ng \u0110\u1ee9c, v\u1edbi vai tr\u00f2 l\u00e0 tr\u1ee5 c\u1ed9t t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng ph\u1ea3i l\u00e0 b\u00ean tu\u00e2n th\u1ee7 k\u1ef7 lu\u1eadt cao nh\u1ea5t, ch\u1ee9 kh\u00f4ng th\u1ec3 \u201cph\u1ee7i tay\u201d khi r\u1ee7i ro xu\u1ea5t hi\u1ec7n. M\u1ed7i \u0111\u1ed3ng v\u1ed1n gi\u1ea3i ng\u00e2n sai ch\u1ed7 kh\u00f4ng ch\u1ec9 l\u00e0m m\u00e9o cung \u2013 c\u1ea7u th\u1ecb tr\u01b0\u1eddng, m\u00e0 c\u00f2n b\u00e0o m\u00f2n ni\u1ec1m tin v\u00e0o h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng.<\/em><\/p>\n<p><em>Do \u0111\u00f3, c\u00e1c v\u1ee5 ki\u1ec7n t\u01b0\u01a1ng t\u1ef1 c\u1ea7n \u0111\u01b0\u1ee3c x\u00e9t x\u1eed th\u1ea5u \u0111\u00e1o, d\u1ef1a tr\u00ean b\u1ea3n ch\u1ea5t th\u1eadt c\u1ee7a giao d\u1ecbch \u2013 \u0111\u00e2u l\u00e0 mua b\u00e1n, \u0111\u00e2u l\u00e0 m\u00f4i gi\u1edbi, \u0111\u00e2u l\u00e0 ti\u1ec1n \u0111\u1eb7t c\u1ecdc v\u00e0 \u0111\u00e2u l\u00e0 v\u1ed1n vay. N\u1ebfu b\u1ea3n \u00e1n \u0111\u01b0\u1ee3c ph\u00fac th\u1ea9m gi\u1eef nguy\u00ean, n\u00f3 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u201c\u00e1n l\u1ec7\u201d, bu\u1ed9c th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 t\u00edn d\u1ee5ng ph\u1ea3i thay \u0111\u1ed5i theo h\u01b0\u1edbng minh b\u1ea1ch, th\u1ef1c ch\u1ea5t v\u00e0 k\u1ef7 lu\u1eadt h\u01a1n.<\/em><\/p>\n<p><strong>Gia<\/strong> <strong>B\u00e1ch<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>24hmoney<\/em><\/strong><strong><em> (T\u00e0i<\/em><\/strong> <strong><em>ch\u00ednh<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>28-10<\/em><\/strong><strong><em>-202<\/em><\/strong><strong><em>5<\/em><\/strong><strong><em>:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/24hmoney.vn\/news\/vay-dat-coc-nha-dat-sai-tu-chu-dau-tu-den-ngan-hang-c4a2669714.html\">https:\/\/24hmoney.vn\/news\/vay-dat-coc-nha-dat-sai-tu-chu-dau-tu-den-ngan-hang-c4a2669714.html<\/a><\/em><\/p>\n<p><em>(<\/em><em>361\/863<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>Vay \u0111\u1eb7t c\u1ecdc nh\u00e0 \u0111\u1ea5t: Sai t\u1eeb ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng. (24h) &#8211; C\u00e1c v\u1ee5 cho vay \u0111\u1eb7t c\u1ecdc b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u01a1i b\u00e0y l\u1ed7 h\u1ed5ng l\u1edbn trong qu\u1ea3n tr\u1ecb t\u00edn d\u1ee5ng, khi ng\u00e2n h\u00e0ng d\u1ec5 d\u00e0ng gi\u1ea3i ng\u00e2n cho c\u00e1c d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd. V\u1ee5 ki\u1ec7n gi\u1eefa ng\u00e2n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":49069,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[50,42,36],"class_list":["post-49071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-dan-su","tag-luat-su-dat-dai","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>4.183. Vay \u0111\u1eb7t c\u1ecdc nh\u00e0 \u0111\u1ea5t: Sai t\u1eeb ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng. - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Vay \u0111\u1eb7t c\u1ecdc nh\u00e0 \u0111\u1ea5t: Sai t\u1eeb ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng | B\u1ea3n \u00e1n c\u1ea3nh b\u00e1o cho chu\u1ed7i sai ph\u1ea1m k\u00e9o d\u00e0i nhi\u1ec1u n\u0103m...\" \/>\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\/?p=49071\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.183. 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