{"id":5087,"date":"2005-04-02T17:03:46","date_gmt":"2005-04-02T10:03:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=5087"},"modified":"2024-11-13T10:51:55","modified_gmt":"2024-11-13T03:51:55","slug":"72-10-van-de-phap-ly-trong-viec-the-chap-bao-lanh-bang-quyen-su-dung-dat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/72-10-van-de-phap-ly-trong-viec-the-chap-bao-lanh-bang-quyen-su-dung-dat\/","title":{"rendered":"72. 10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t."},"content":{"rendered":"<h4><span style=\"color: #723918;\">10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t. <\/span><\/h4>\n<p><strong>(TCNH) &#8211; Vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ch\u1ee7 y\u1ebfu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd r\u1ea5t ph\u1ee9c t\u1ea1p. Trong khi \u0111\u00f3, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 v\u00e0 c\u00e1c v\u0103n b\u1ea3n kh\u00e1c h\u01b0\u1edbng d\u1eabn thi h\u00e0nh vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t theo h\u01b0\u1edbng: Ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p. V\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh, c\u00e1c Ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 b\u1ecf qua nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t d\u01b0\u1edbi \u0111\u00e2y:<\/strong><\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1eddi \u0111i\u1ec3m thi\u1ebft l\u1eadp h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 m\u1ee5c \u0111\u00edch th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 c\u00e1c lo\u1ea1i \u0111\u1ea5t \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a H\u1ed9 gia \u0111\u00ecnh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 tr\u01b0\u1eddng h\u1ee3p v\u1eeba th\u1ebf ch\u1ea5p, v\u1eeba b\u1ea3o l\u00e3nh;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u1ec1 s\u1ef1 kh\u00e1c nhau gi\u1eefa th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t.<\/p>\n<h5><strong>1. V\u1ec1 th\u1eddi \u0111i\u1ec3m thi\u1ebft l\u1eadp h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng (hay h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf, d\u00e2n s\u1ef1 kh\u00e1c). Do v\u1eady, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng lu\u00f4n l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp tr\u01b0\u1edbc; c\u00f2n h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5 v\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp tr\u00ean c\u01a1 s\u1edf \u0111\u00e3 c\u00f3 quan h\u1ec7 t\u00edn d\u1ee5ng ph\u00e1t sinh.<\/p>\n<p>Tuy nhi\u00ean, v\u1eabn c\u00f3 m\u1ed9t s\u1ed1 quan \u0111i\u1ec3m cho r\u1eb1ng, h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh c\u1ee9 ph\u1ea3i k\u00fd sau khi c\u00f3 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 kh\u00f4ng \u0111\u00fang v\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u00e2y chi l\u00e0 m\u1ed9t nh\u1eadn th\u1ee9c v\u00e0 c\u00e1ch l\u00e0m th\u1ef1c t\u1ebf kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd, gi\u1ed1ng nh\u01b0 ki\u1ec3u ch\u01a1i ch\u1eef \u201d<em>Sinh<\/em> <em>con r\u1ed3i m\u1edbi sinh cha<\/em>\u201d.<\/p>\n<p>\u0110\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ecnh hu\u1ed1ng ph\u1ea3i k\u00fd \u0111i k\u00fd l\u1ea1i nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, b\u1ea3o \u0111\u1ea3m s\u1ef1 ti\u1ec7n l\u1ee3i trong th\u1ef1c t\u1ebf m\u00e0 v\u1eabn \u0111\u00fang ph\u00e1p lu\u1eadt, th\u00ec c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n theo m\u1ed9t trong hai c\u00e1ch sau: Th\u1ee9 nh\u1ea5t l\u00e0, k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng nguy\u00ean t\u1eafc (h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng h\u1ea1n m\u1ee9c) trong m\u1ed9t th\u1eddi h\u1ea1n d\u00e0i \u0111\u1ec3 l\u00e0m c\u01a1 s\u1edf k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, sau \u0111\u00f3 k\u00fd c\u00e1c h\u1ee3p \u0111\u1ed3ng (kh\u1ebf \u01b0\u1edbc) t\u00edn d\u1ee5ng gi\u1ea3i ng\u00e2n c\u1ee5 th\u1ec3. Th\u1ee9 hai l\u00e0, k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, trong \u0111\u00f3 n\u00eau r\u00f5 l\u00e0 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nh\u1eefng kho\u1ea3n vay n\u00e0o (c\u00f3 th\u1ec3 \u0111\u00e3 v\u00e0 s\u1ebd ph\u00e1t sinh trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh).<\/p>\n<h5><strong>2. V\u1ec1 m\u1ee5c \u0111\u00edch th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh: T\u1ed5 ch\u1ee9c kinh t\u1ebf \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ec9 \u201c<em>\u0111\u1ec3 vay v\u1ed1n<\/em>\u201d (kho\u1ea3n 2, \u0110i\u1ec1u 110); h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1ed5 ch\u1ee9c kinh t\u1ebf ho\u1eb7c c\u00e1 nh\u00e2n ch\u1ec9 \u201c<em>\u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh<\/em>\u201d (kho\u1ea3n 7, \u0110i\u1ec1u 113). \u0110\u00f3 l\u00e0 nh\u1eefng quy \u0111\u1ecbnh r\u1ea5t v\u00f4 l\u00fd v\u00e0 \u0111\u00e3 xu\u1ea5t hi\u1ec7n ngay t\u1eeb khi c\u00f3 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 1993. Tuy nhi\u00ean, sai l\u1ea7m t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda ch\u1eefa b\u1eb1ng \u0110i\u1ec1u 730 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995 quy \u0111\u1ecbnh v\u1ec1 Th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t: \u201c<em>H\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng \u0111\u1ea5t \u1edf do nhu c\u1ea7u s\u1ea3n xu\u1ea5t v\u00e0 \u0111\u1eddi s\u1ed1ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf, c\u00e1 nh\u00e2n Vi\u1ec7t Nam \u1edf trong n\u01b0\u1edbc<\/em>\u201d. R\u1ea5t \u0111\u00e1ng ti\u1ebfc l\u00e0 c\u00e1c Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung c\u0169ng nh\u01b0 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 l\u1ea1i v\u1eabn gi\u1eef nguy\u00ean quy \u0111\u1ecbnh b\u1ea5t h\u1ee3p l\u00fd t\u1eeb tr\u01b0\u1edbc kia. Th\u1eadm ch\u00ed, Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 c\u00f2n quy \u0111\u1ecbnh v\u00f4 l\u00fd t\u1edbi m\u1ee9c, ch\u1ec9 cho ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t thu\u00ea \u201c<em>t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh<\/em>\u201d (\u0110i\u1ec1u 111), m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m vi\u1ec7c kh\u00e1c.<\/p>\n<p>Do \u0111\u00f3, k\u1ec3 t\u1eeb ng\u00e0y 01-7-2004 tr\u1edf \u0111i (ng\u00e0y Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 c\u00f3 hi\u1ec7u l\u1ef1c), ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 vay v\u1ed1n s\u1ea3n xu\u1ea5t, kinh doanh (c\u00f3 th\u1ec3 hi\u1ec3u bao g\u1ed3m c\u1ea3 l\u00e0m d\u1ecbch v\u1ee5), m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c nhu c\u1ea7u kh\u00e1c nh\u01b0 b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 cho c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, \u0111\u1ea7u t\u01b0, x\u00e2y d\u1ef1ng hay ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, k\u1ec3 c\u1ea3 vay v\u1ed1n \u0111\u1ec3 h\u1ecdc t\u1eadp, x\u00e2y nh\u00e0 \u1edf hay tr\u1ecb b\u1ec7nh c\u1ee9u ng\u01b0\u1eddi. N\u1ebfu th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u1ec3 s\u1eed d\u1ee5ng cho nh\u1eefng m\u1ee5c \u0111\u00edch vay v\u1ed1n n\u00e0y, th\u00ec c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1ecb v\u00f4 hi\u1ec7u.<\/p>\n<p>Tuy nhi\u00ean, \u0111i\u1ec1u tr\u00ean ch\u1ec9 x\u1ea3y ra \u0111\u1ed1i v\u1edbi quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t tr\u1ed1ng, c\u00f2n n\u1ebfu \u0111\u1ea5t c\u00f3 nh\u00e0 \u1edf, c\u00f3 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t th\u00ec Lu\u1eadt \u0110\u1ea5t \u0111ai l\u1ea1i kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn, do v\u1eady v\u1eabn \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh v\u1edbi t\u00e0i s\u1ea3n l\u00e0 m\u1ed9t kh\u1ed1i b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<h5><strong>3. V\u1ec1 c\u00e1c lo\u1ea1i \u0111\u1ea5t \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh;<\/strong><\/h5>\n<p>Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh kh\u00e1 ph\u1ee9c t\u1ea1p t\u1ea1i 5 \u0111i\u1ec1u c\u00e1c lo\u1ea1i \u0111\u1ea5t sau \u0111\u00e2y \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc giao \u0111\u1ea5t c\u00f3 thu ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea5t c\u00f3 \u0111\u01b0\u1ee3c do chuy\u1ec3n m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng \u0111\u1ea5t, m\u00e0 s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc (\u0110i\u1ec1u 110 v\u00e0 kho\u1ea3n 3, \u0110i\u1ec1u 112);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf thu\u00ea c\u1ee7a t\u1ed5 ch\u1ee9c, h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n, tr\u1eeb \u0111\u1ea5t thu\u00ea c\u1ee7a Nh\u00e0 n\u01b0\u1edbc v\u00e0 thu\u00ea l\u1ea1i \u0111\u1ea5t trong khu c\u00f4ng nghi\u1ec7p t\u1eeb ng\u00e0y 01-7-2004 tr\u1edf \u0111i (kho\u1ea3n 3, \u0110i\u1ec1u 111);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, tr\u1eeb s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc (kho\u1ea3n 2, \u0110i\u1ec1u 112);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ea5t thu\u00ea (\u0110i\u1ec1u 113);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u1ecbnh c\u01b0 \u1edf n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u01b0\u1edbc ngo\u00e0i s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam; \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc giao \u0111\u1ea5t c\u00f3 thu ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, cho thu\u00ea \u0111\u1ea5t thu ti\u1ec1n thu\u00ea \u0111\u1ea5t m\u1ed9t l\u1ea7n cho c\u1ea3 th\u1eddi gian thu\u00ea (kho\u1ea3n 1 v\u00e0 3, \u0110i\u1ec1u 119).<\/p>\n<p>Tuy Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 lo\u1ea1i \u0111\u1ea5t n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh nh\u01b0ng c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng, c\u00e1c lo\u1ea1i \u0111\u1ea5t c\u00f2n l\u1ea1i d\u01b0\u1edbi \u0111\u00e2y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc giao \u0111\u1ea5t kh\u00f4ng thu ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (\u0110i\u1ec1u 109);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc cho thu\u00ea \u0111\u1ea5t (ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t thu\u00ea theo kho\u1ea3n 1 v\u00e0 2, \u0110i\u1ec1u 111);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a t\u1ed5 ch\u1ee9c kinh t\u1ebf nh\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, m\u00e0 s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc (kho\u1ea3n 2, \u0110i\u1ec1u 112);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc cho thu\u00ea \u0111\u1ea5t (\u0110i\u1ec1u 114);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u1ea5t c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u1ecbnh c\u01b0 \u1edf n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u01b0\u1edbc ngo\u00e0i \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam cho thu\u00ea \u0111\u1ea5t thu ti\u1ec1n thu\u00ea \u0111\u1ea5t h\u00e0ng n\u0103m (kho\u1ea3n 2, \u0110i\u1ec1u \u00a0119);<\/p>\n<p>M\u1ed9t s\u1ed1 lo\u1ea1i \u0111\u1ea5t kh\u00e1c m\u1eb7c d\u00f9 ph\u00e1p lu\u1eadt cho ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh nh\u01b0ng v\u1eabn kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c tr\u00ean th\u1ef1c t\u1ebf nh\u01b0 c\u00e1c lo\u1ea1i \u0111\u1ea5t ch\u01b0a ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 ng\u00e2n s\u00e1ch v\u1edbi Nh\u00e0 n\u01b0\u1edbc, \u0111\u1ea5t \u0111ang c\u00f3 tranh ch\u1ea5p v\u1ec1 t\u00e0i s\u1ea3n tr\u00ean \u0111\u1ea5t, \u0111\u1ea5t \u0111ang n\u1eb1m trong di\u1ec7n b\u1ecb quy ho\u1ea1ch.<\/p>\n<p>\u0110i\u1ec3m thay \u0111\u1ed5i \u0111\u00e1ng k\u1ebf nh\u1ea5t so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y l\u00e0, k\u1ec3 t\u1eeb ng\u00e0y 01-07-2004 tr\u1edf \u0111i, \u0111\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n trong n\u01b0\u1edbc thu\u00ea c\u1ee7a Nh\u00e0 n\u01b0\u1edbc ho\u1eb7c thu\u00ea l\u1ea1i \u0111\u1ea5t trong khu c\u00f4ng nghi\u1ec7p, cho d\u00f9 \u0111\u00e3 tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc trong th\u1eddi gian bao l\u00e2u, c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh.<\/p>\n<p>L\u00fd do Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh \u0111\u1ea5t thu\u00ea kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh (tr\u1eeb \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u1ecbnh c\u01b0 \u1edf n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u01b0\u1edbc ngo\u00e0i s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc cho thu\u00ea \u0111\u1ea5t thu ti\u1ec1n thu\u00ea \u0111\u1ea5t m\u1ed9t l\u1ea7n cho c\u1ea3 th\u1eddi gian thu\u00ea) nh\u01b0 Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 1993 l\u00e0 v\u00ec: Th\u1ee9 nh\u1ea5t l\u00e0, Lu\u1eadt m\u1edbi \u0111\u00e3 kh\u00f4i ph\u1ee5c l\u1ea1i ch\u1ebf \u0111\u1ed9 Nh\u00e0 n\u01b0\u1edbc giao \u0111\u1ea5t cho c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf c\u00f3 thu ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t (thay v\u00ec ch\u1ec9 cho thu\u00ea nh\u01b0 Lu\u1eadt n\u0103m 1993). Th\u1ee9 hai l\u00e0, Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 cho ng\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u1ecbnh c\u01b0 \u1edf n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c thu\u00ea \u0111\u1ea5t tr\u1ea3 ti\u1ec1n m\u1ed9t l\u1ea7n, c\u00f2n c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n trong n\u01b0\u1edbc s\u1ebd ph\u1ea3i chuy\u1ec3n sang ch\u1ebf \u0111\u1ed9 tr\u1ea3 ti\u1ec1n thu\u00ea \u0111\u1ea5t h\u00e0ng n\u0103m). Ngo\u00e0i ra, quy \u0111\u1ecbnh cho ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u00ea \u0111\u00e3 tr\u1ea3 ti\u1ec1n cho th\u1eddi gian c\u00f2n l\u1ea1i \u00edt nh\u1ea5t l\u00e0 5 n\u0103m (\u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 2 n\u0103m) kh\u00f4ng th\u1eadt s\u1ef1 c\u00f3 \u00fd ngh\u0129a v\u1ec1 m\u1eb7t kinh t\u1ebf. V\u00ec t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n thu\u00ea \u0111\u1ea5t s\u1ebd gi\u1ea3m xu\u1ed1ng theo th\u1eddi gian s\u1eed d\u1ee5ng \u0111\u1ea5t, trong khi ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u00f3 th\u1ec3 gi\u1ea3m, c\u00f3 th\u1ec3 v\u1eabn gi\u1eef nguy\u00ean ho\u1eb7c th\u1eadm ch\u00ed c\u00f2n t\u0103ng l\u00ean theo th\u1eddi gian vay.<\/p>\n<p>Tuy nhi\u00ean, trong t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c hay kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00f3i tr\u00ean, c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec1u \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. V\u00ec ph\u00e1p lu\u1eadt \u0111\u00e3 cho ph\u00e9p th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng, g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t thu\u00ea th\u00ec khi x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh c\u0169ng s\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c x\u1eed l\u00fd c\u1ea3 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Do v\u1eady, vi\u1ec7c h\u1ea1n ch\u1ebf \u0111\u1ea5t thu\u00ea kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh l\u00e0 kh\u00f4ng th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd. Ngo\u00e0i ra, d\u00f9 kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, nh\u01b0ng ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t v\u1eabn c\u00f3 quy\u1ec1n c\u1ea7m c\u1ed1 gi\u00e1 tr\u1ecb s\u1ed1 ti\u1ec1n thu\u00ea \u0111\u1ea5t \u0111\u00e3 tr\u1ea3 tr\u01b0\u1edbc v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t quy\u1ec1n t\u00e0i s\u1ea3n (quy\u1ec1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u00ea \u0111\u00e3 tr\u1ea3 tr\u01b0\u1edbc ti\u1ec1n thu\u00ea).<\/p>\n<h5><strong>4. V\u1ec1 ng\u01b0\u1eddi k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a H\u1ed9 gia \u0111\u00ecnh:<\/strong><\/h5>\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 117 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 1995, th\u00ec h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ch\u1ec9 c\u1ea7n ch\u1ee7 h\u1ed9 l\u00e0 \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ed9 gia \u0111\u00ecnh (c\u00f3 th\u1ec3 l\u00e0 cha m\u1eb9 ho\u1eb7c m\u1ed9t th\u00e0nh vi\u00ean kh\u00e1c \u0111\u00e3 th\u00e0nh ni\u00ean) k\u00fd. Nh\u01b0ng theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 146, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181\/2004\/N\u0110-CP ng\u00e0y 29-10-2004 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 thi h\u00e0nh Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003, th\u00ec c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh \u201c<em>ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean c\u00f3 \u0111\u1ee7 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 trong h\u1ed9 gia \u0111\u00ecnh \u0111\u00f3 th\u1ed1ng nh\u1ea5t v\u00e0 k\u00fd t\u00ean ho\u1eb7c c\u00f3 v\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 d\u00e2n s\u1ef1<\/em>\u201d.<\/p>\n<p>H\u1ed9 gia \u0111\u00ecnh theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 116 c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u00e0 \u201c<em>c\u00e1c th\u00e0nh vi\u00ean c\u00f3 t\u00e0i s\u1ea3n chung \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf chung trong quan h\u1ec7 s\u1eed d\u1ee5ng \u0111\u1ea5t<\/em>\u201d kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1edbi h\u1ed9 gia \u0111inh c\u00f3 chung h\u1ed9 kh\u1ea9u hay \u1edf chung m\u1ed9t nh\u00e0. Do v\u1eady, kh\u00f4ng c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ai l\u00e0 nh\u1eefng th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh. \u0110i\u1ec1u 43, Ngh\u1ecb \u0111inh s\u1ed1 181\/2004\/N\u0110-CP ng\u00e0y 29-10-2004, c\u0169ng quy \u0111\u1ecbnh r\u1ea5t \u201cr\u1ed9ng r\u00e3i\u201d l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh c\u00f3 th\u1ec3 ghi t\u00ean ch\u1ee7 h\u1ed9, t\u00ean ng\u01b0\u1eddi v\u1ee3 ho\u1eb7c ch\u1ed3ng hay ghi t\u00ean c\u1ea3 hai v\u1ee3 ch\u1ed3ng. V\u1ea5n \u0111\u1ec1 c\u00e0ng tr\u1edf l\u00ean ph\u1ee9c t\u1ea1p khi tr\u01b0\u1edbc \u0111\u00e2y quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh ch\u1ec9 c\u00f3 trong l\u0129nh v\u1ef1c kinh t\u1ebf s\u1ea3n xu\u1ea5t n\u00f4ng, l\u00e2m, ng\u01b0, di\u00eam nghi\u1ec7p, nh\u01b0ng g\u1ea7n \u0111\u00e2y \u0111\u00e3 xu\u1ea5t hi\u1ec7n nhi\u1ec1u gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u1edf c\u1ea5p cho h\u1ed9 gia \u0111\u00ecnh.<\/p>\n<p>Th\u1eadm ch\u00ed, cho d\u00f9 \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a h\u1ed9 gia \u0111\u00ecnh t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m nh\u1ea5t \u0111\u1ecbnh (th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u00e2t) nh\u01b0ng sau \u0111\u00f3 c\u0169ng kh\u00f4ng c\u00f3 g\u00ec b\u1ea3o \u0111\u1ea3m r\u1eb1ng n\u00f3 kh\u00f4ng b\u1ecb thay \u0111\u1ed5i. V\u00ed d\u1ee5 khi c\u00f3 c\u00e1c s\u1ef1 ki\u1ec7n: Chia t\u00e1ch h\u1ed9 gia \u0111\u00ecnh nh\u01b0ng ch\u01b0a chia t\u00e1ch quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i, \u0111\u00e3 chia t\u00e1ch quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t nh\u01b0ng ch\u01b0a chia t\u00e1ch h\u1ed9 gia \u0111\u00ecnh. Vi\u1ec7c x\u00e1c \u0111\u1ecbnh n\u00e0y c\u0169ng kh\u00f3 kh\u0103n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c x\u00e1c \u0111\u1ecbnh t\u01b0 c\u00e1ch c\u1ee7a ng\u01b0\u1eddi c\u00f3 quy\u1ec1n th\u1eeba k\u1ebf quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m kh\u00f4ng b\u1ecf l\u1ecdt nh\u1eefng ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i li\u00ean quan, c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u1ea3i y\u00eau c\u1ea7u t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi \u0111\u00e3 th\u00e0nh ni\u00ean, \u0111ang s\u1ed1ng chung trong m\u1ed9t h\u1ed9 gia \u0111\u00ecnh v\u00e0 c\u00f3 t\u00ean trong h\u1ed9 kh\u1ea9u t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u0169ng nh\u01b0 t\u1ea1i th\u1eddi \u0111i\u1ec3m th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u1ec1u ph\u1ea3i k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh.<\/p>\n<h5><strong>5. V\u1ec1 vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>\u0110i\u1ec3m a, kho\u1ea3n 1, \u0110i\u1ec1u 130 c\u1ee7a Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh: \u201c<em>H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ph\u1ea3i c\u00f3 ch\u1ee9ng nh\u1eadn c\u1ee7a c\u00f4ng ch\u1ee9ng nh\u00e0 n\u01b0\u1edbc; tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n th\u00ec \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c ch\u1ee9ng nh\u1eadn c\u1ee7a c\u00f4ng ch\u1ee9ng nh\u00e0 n\u01b0\u1edbc ho\u1eb7c ch\u1ee9ng th\u1ef1c c\u1ee7a UBND x\u00e3, ph\u01b0\u1eddng, th\u1ecb tr\u1ea5n n\u01a1i c\u00f3 \u0111\u1ea5t<\/em>\u201d. Vi\u1ec7c quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t l\u00e0 m\u1ed9t s\u1ef1 \u00e1p \u0111\u1eb7t thi\u1ebfu h\u1ee3p l\u00fd, \u0111i ng\u01b0\u1ee3c l\u1ea1i ch\u1ee7 tr\u01b0\u01a1ng c\u1ea3i c\u00e1ch th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh. \u0110\u00f2i h\u1ecfi n\u00e0y c\u00e0ng tr\u1edf l\u00ean c\u1ee9ng nh\u1eafc khi v\u1eeba b\u1eaft bu\u1ed9c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c l\u1ea1i v\u1eeba b\u1eaft bu\u1ed9c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh c\u00f9ng v\u1edbi vi\u1ec7c ng\u00e2n h\u00e0ng gi\u1eef b\u1ea3n ch\u00ednh gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n<p>Tuy ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c, nh\u01b0ng v\u00ec ch\u00fang lu\u00f4n g\u1eafn li\u1ec1n v\u1edbi quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, cho n\u00ean c\u0169ng m\u1eb7c nhi\u00ean \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c th\u1ebf ch\u1ea5p b\u1eb1ng nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c nh\u01b0 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t.<\/p>\n<p>M\u1eb7c d\u00f9, theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 75\/2002\/N\u0110-CP ng\u00e0y 08-12-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 C\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c, th\u00ec Ch\u1ee7 t\u1ecbch UBND c\u1ea5p x\u00e3, ph\u01b0\u1eddng, th\u1ecb tr\u1ea5n kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ee9ng th\u1ef1c c\u00e1c h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng do Lu\u1eadt \u0110\u1ea5t \u0111ai quy \u0111\u1ecbnh c\u00e1c c\u01a1 quan n\u00e0y c\u00f3 th\u1ea9m quy\u1ec1n ch\u1ee9ng th\u1ef1c c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, n\u00ean UBND c\u1ea5p x\u00e3 c\u0169ng l\u1ea1i m\u1eb7c nhi\u00ean \u0111\u01b0\u1ee3c ch\u1ee9ng th\u1ef1c vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. C\u0169ng theo Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, th\u00ec ch\u1ec9 g\u1ecdi l\u00e0 c\u00f4ng ch\u1ee9ng, ch\u1ee9 kh\u00f4ng c\u00f2n kh\u00e1i ni\u1ec7m c\u00f4ng ch\u1ee9ng Nh\u00e0 n\u01b0\u1edbc nh\u01b0 \u0111\u00e3 vi\u1ebft th\u1eeba trong Lu\u1eadt \u0110\u1ea5t \u0111ai v\u00e0 c\u00e1c v\u0103n b\u1ea3n d\u01b0\u1edbi lu\u1eadt.<\/p>\n<h5><strong>6. V\u1ec1 vi\u1ec7c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>Kho\u1ea3n 3, \u0110i\u1ec1u 122, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181\/2004\/N\u0110-CP quy \u0111\u1ecbnh: V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u1ed9c S\u1edf T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng (c\u1ea5p t\u1ec9nh) \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c; V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t thu\u1ed9c Ph\u00f2ng T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng (c\u1ea5p huy\u1ec7n) \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00e1 nh\u00e2n. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng l\u1ea1i h\u01b0\u1edbng d\u1eabn Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t do c\u1ea5p n\u00e0o c\u1ea5p (c\u1ea5p t\u1ec9nh v\u00e0 c\u1ea5p huy\u1ec7n) th\u00ec \u0111\u0103ng k\u00fd \u1edf c\u1ea5p \u0111\u00f3, m\u00e0 kh\u00f4ng ph\u00e2n bi\u1ec7t theo ch\u1ee7 th\u1ec3 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh. T\u1ee9c l\u00e0 n\u1ebfu gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t do c\u00e1c c\u01a1 quan c\u1ea5p t\u1ec9nh, th\u00e0nh ph\u1ed1 c\u1ea5p, th\u00ec \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u1edf V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ea5p t\u1ec9nh; n\u1ebfu gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t do c\u00e1c c\u01a1 quan c\u1ea5p qu\u1eadn, huy\u1ec7n c\u1ea5p, th\u00ec \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u1edf V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ea5p huy\u1ec7n. V\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p l\u00e0 \u1edf ch\u1ed7, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 b\u1ecb v\u00f4 hi\u1ec7u do kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh. Nguy\u00ean nh\u00e2n l\u00e0 c\u00f2n ph\u1ea3i r\u1ea5t l\u00e2u n\u1eefa m\u1edbi th\u00e0nh l\u1eadp \u0111\u01b0\u1ee3c \u0111\u1ee7 c\u00e1c v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, trong khi trong khi nhi\u1ec1u x\u00e3 ph\u01b0\u1eddng l\u1ea1i \u0111\u00e3 t\u1eeb ch\u1ed1i vi\u1ec7c ti\u1ebfp t\u1ee5c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh c\u0169, m\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 c\u00f4ng v\u0103n ch\u1ec9 \u0111\u1ea1o c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p.<\/p>\n<p>V\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 kh\u00f4ng c\u1ea7n gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, v\u00ec giao d\u1ecbch th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c v\u00e0 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p ph\u00e1p, c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd \u0111\u1ec3 \u01b0u ti\u00ean thanh to\u00e1n. Tuy nhi\u00ean, do th\u1ef1c t\u1ebf nh\u1eadn th\u1ee9c v\u00e0 \u00fd th\u1ee9c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt nh\u00ecn chung c\u00f2n k\u00e9m, n\u00ean ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh v\u1eabn bu\u1ed9c ph\u1ea3i gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1eafc r\u1ed1i, phi\u1ec1n to\u00e1i kh\u00f4ng \u0111\u00e1ng c\u00f3 r\u1ea5t hay x\u1ea3y ra. Ngo\u00e0i ra, theo c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n nay, th\u00ec vi\u1ec7c gi\u1eef gi\u1ea5y n\u00e0y c\u0169ng v\u1eeba l\u00e0 quy\u1ec1n l\u1ea1i v\u1eeba l\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n<h5><strong>7. V\u1ec1 th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>\u0110i\u1ec3m b, kho\u1ea3n 1, \u0110i\u1ec1u 130 c\u1ee7a Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003 quy \u0111\u1ecbnh: \u201c<em>Trong th\u1eddi h\u1ea1n kh\u00f4ng qu\u00e1 n\u0103m ng\u00e0y l\u00e0m vi\u1ec7c, k\u1ec3 t\u1eeb ng\u00e0y k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, b\u00ean th\u1ebf ch\u1ea5p, b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u1ed9p h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh theo quy \u0111\u1ecbnh\u2026<\/em>\u201d \u0110\u00e2y l\u00e0 m\u1ed9t quy \u0111\u1ecbnh h\u1ebft s\u1ee9c v\u00f4 l\u00fd, xa r\u1eddi th\u1ef1c t\u1ebf, kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c \u0111i\u1ec3m cho vay c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Th\u1eddi h\u1ea1n tr\u00ean c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 dj th\u1ef1c hi\u1ec7n vi\u1ec7c c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m. V\u00ec t\u1ea1i \u0110i\u1ec1u 41, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 75\/2000\/N\u0110-CP ng\u00e0y 08-12-2000 c\u1ee7a Ch\u00ednh ph\u1ee7 V\u1ec1 c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c \u0111\u00e3 quy \u0111\u1ecbnh: Th\u1eddi h\u1ea1n c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong th\u1eddi h\u1ea1n 3 \u0111\u1ebfn 30 ng\u00e0y \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng t\u1eeb th\u00f4ng th\u01b0\u1eddng \u0111\u1ebfn \u0111\u1eb7c bi\u1ec7t ph\u1ee9c t\u1ea1p. Ngo\u00e0i ra, ch\u01b0a k\u1ec3 tr\u01b0\u1eddng h\u1ee3p c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n c\u00f3 th\u1ec3 nh\u1eadn t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m m\u1edbi ho\u1eb7c b\u1ed5 sung sau m\u1ed9t th\u1eddi gian \u0111\u00e3 cho vay.<\/p>\n<p>Tuy nhi\u00ean vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 kh\u1eafc ph\u1ee5c b\u1eb1ng c\u00e1c c\u00e1ch sau: Th\u1ee9 nh\u1ea5t l\u00e0, k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng nh\u01b0ng kh\u00f4ng ghi ng\u00e0y k\u00fd v\u00e0 ch\u1edd cho \u0111\u1ebfn ng\u00e0y c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m th\u00ec m\u1edbi ghi ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Th\u1ee9 hai l\u00e0, k\u00fd l\u1ea1i h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ec3 thay th\u1ebf cho h\u1ee3p \u0111\u1ed3ng c\u0169 \u0111\u1ec3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m.<\/p>\n<p>Do Ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u1ed3ng th\u1eddi c\u1ea3 3 th\u1ee7 t\u1ee5c r\u1ea5t ch\u1eb7t ch\u1ebd l\u00e0: C\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c; \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 gi\u1eef b\u1ea3n ch\u00ednh Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, cho n\u00ean trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 linh ho\u1ea1t gi\u1ea3i ng\u00e2n sau khi \u0111\u00e3 n\u1ed9p h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh m\u00e0 kh\u00f4ng c\u1ea7n ch\u1edd k\u1ebft qu\u1ea3 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m..<\/p>\n<h5><strong>8. V\u1ec1 vi\u1ec7c s\u1eeda \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>\u0110i\u1ec1u 146, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 181 quy \u0111\u1ecbnh: H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t do c\u00e1c b\u00ean li\u00ean quan l\u1eadp nh\u01b0ng kh\u00f4ng tr\u00e1i v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 d\u00e2n s\u1ef1. Tuy nhi\u00ean, hi\u1ec7n nay v\u1eabn ph\u1ea3i th\u1ef1c hi\u1ec7n theo c\u00e1c m\u1eabu h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, ban h\u00e0nh k\u00e8m theo Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch s\u1ed1 03\/2003\/TTLT\/BTP-BTNMT ng\u00e0y 04-7-2003 c\u1ee7a B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 B\u1ed9 T\u00e0i nguy\u00ean v\u00e0 M\u00f4i tr\u01b0\u1eddng H\u01b0\u1edbng d\u1eabn v\u1ec1 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd v\u00e0 cung c\u1ea5p th\u00f4ng tin v\u1ec1 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t. Tr\u00ean th\u1ef1c t\u1ebf, c\u0169ng nh\u01b0 nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng kh\u00e1c, \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho m\u00ecnh, nhi\u1ec1u Ph\u00f2ng c\u00f4ng ch\u1ee9ng \u0111\u00e3 \u00e1p \u0111\u1eb7t ng\u00e2n h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n theo m\u1eabu h\u1ee3p \u0111\u1ed3ng c\u1ee7a h\u1ecd. C\u00e1c m\u1eabu h\u1ee3p \u0111\u1ed3ng tr\u00ean nh\u00ecn chung r\u1ea5t s\u01a1 s\u00e0i, \u0111\u01a1n gi\u1ea3n, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u th\u1ef1c t\u1ebf, nh\u1ea5t l\u00e0 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, do c\u00e1c m\u1eabu h\u1ee3p \u0111\u1ed3ng r\u1ea5t c\u1ee9ng nh\u1eafc, ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh cho m\u1ed9t ngh\u0129a v\u1ee5 ph\u00e1t sinh trong m\u1ed9t l\u1ea7n, kh\u00f4ng bao qu\u00e1t \u0111\u01b0\u1ee3c c\u00e1c t\u00ecnh hu\u1ed1ng ph\u00e1t sinh vi\u1ec7c gia h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh n\u1ee3; thay \u0111\u1ed5i s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh,\u2026. Do \u0111\u00f3 khi \u00e1p d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng trong m\u1ed9t th\u1eddi gian d\u00e0i l\u1ea1i c\u00e0ng ph\u1ea3i s\u1eeda \u0111\u1ed5i, b\u1ed5 sung th\u01b0\u1eddng xuy\u00ean h\u01a1n.<\/p>\n<p>C\u00f3 th\u1ec3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng ph\u1ea3i k\u00fd l\u1ea1i, c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c v\u00e0 \u0111\u0103ng k\u00fd l\u1ea1i h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh m\u1ed7i khi ph\u1ea3i gia h\u1ea1n, s\u1eeda \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng c\u00e1ch tho\u1ea3 thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m n\u1ed9i dung: T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho m\u1ed9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, v\u1edbi t\u1ed5ng d\u01b0 n\u1ee3 nh\u1ea5t \u0111\u1ecbnh, trong m\u1ed9t th\u1eddi h\u1ea1n x\u00e1c \u0111\u1ecbnh ho\u1eb7c tho\u1ea3 thu\u1eadn \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m cho nhi\u1ec1u kho\u1ea3n vay (nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng) ph\u00e1t sinh trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh.<\/p>\n<h5><strong>9. V\u1ec1 tr\u01b0\u1eddng h\u1ee3p v\u1eeba th\u1ebf ch\u1ea5p, v\u1eeba b\u1ea3o l\u00e3nh:<\/strong><\/h5>\n<p>Ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u00e3 kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebf\u1eednt\u00ean th\u1ef1c th\u1ebf l\u00e0, tuy ch\u1ec9 c\u00f3 m\u1ed9t giao d\u1ecbch b\u1ea3o \u0111\u1ea3m nh\u01b0ng l\u1ea1i v\u1eeba c\u00f3 t\u00ednh ch\u1ea5t th\u1ebf ch\u1ea5p, v\u1eeba c\u00f3 t\u00ednh ch\u1ea5t b\u1ea3o l\u00e3nh. Theo quy \u0111\u1ecbnh hi\u1ec7n nay c\u1ee7a ph\u00e1p lu\u1eadt, vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ch\u00ednh ng\u01b0\u1eddi vay, th\u00ec g\u1ecdi l\u00e0 th\u1ebf ch\u1ea5p, vi\u1ec7c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi kh\u00e1c th\u00ec g\u1ecdi l\u00e0 b\u1ea3o l\u00e3nh. Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t l\u00e0 t\u00e0i s\u1ea3n chung c\u1ee7a hai v\u1ee3 ch\u1ed3ng ho\u1eb7c c\u1ee7a h\u1ed9 gia \u0111\u00ecnh th\u00ec l\u1ea1i kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady. N\u1ebfu ng\u01b0\u1eddi vay v\u1ed1n \u0111\u1ed3ng th\u1eddi l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t th\u00ec m\u1edbi l\u00e0 ng\u01b0\u1eddi th\u1ebf ch\u1ea5p; c\u00f2n v\u1ee3, ch\u1ed3ng ho\u1eb7c th\u00e0nh vi\u00ean kh\u00e1c trong gia \u0111\u00ecnh h\u1ecd tham gia giao d\u1ecbch v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh. Tr\u00ean th\u1ef1c t\u1ebf, h\u1ea7u nh\u01b0 c\u00e1c Ng\u00e2n h\u00e0ng ch\u1ec9 g\u1ecdi lo\u1ea1i giao d\u1ecbch n\u00e0y l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, m\u00e0 kh\u00f4ng g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p-b\u1ea3o l\u00e3nh.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf c\u0169ng l\u1ea1i r\u1ea5t c\u1ea7n ph\u1ea3i ph\u00e2n bi\u1ec7t r\u00f5 tr\u01b0\u1eddng h\u1ee3p b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n nh\u01b0ng kh\u00f4ng \u0111\u01b0a t\u00e0i s\u1ea3n v\u00e0o th\u1ebf ch\u1ea5p v\u1edbi tr\u01b0\u1eddng h\u1ee3p b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n c\u00f3 k\u00e8m theo vi\u1ec7c \u0111\u01b0a t\u00e0i s\u1ea3n v\u00e0o th\u1ebf ch\u1ea5p. Tr\u01b0\u1eddng h\u1ee3p th\u1ee9 hai, tuy l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh, nh\u01b0ng l\u1ea1i bao g\u1ed3m \u0111\u1ea7y \u0111\u1ee7 c\u00e1c n\u1ed9i dung c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. V\u00ec v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c Ng\u00e2n h\u00e0ng th\u01b0\u1eddng g\u1ecdi l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p-b\u1ea3o l\u00e3nh (ho\u1eb7c b\u1ea3o l\u00e3nh-th\u1ebf ch\u1ea5p).<\/p>\n<p>Ngo\u00e0i ra, quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5, \u0110i\u1ec1u 153, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1: \u201c<em>Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch d\u00e2n s\u1ef1 v\u1edbi ch\u00ednh m\u00ecnh ho\u1eb7c v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba m\u00e0 m\u00ecnh c\u0169ng l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3<\/em>\u201d c\u0169ng \u0111\u00e3 g\u00e2y ra nh\u1eefng c\u00e1ch hi\u1ec3u r\u1ea5t kh\u00e1c nhau. C\u00f3 m\u1ed9t s\u1ed1 quan \u0111i\u1ec3m cho r\u1eb1ng, theo quy \u0111\u1ecbnh n\u00e0y, th\u00ec ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c v\u1eeba k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1eeba k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1 nh\u00e2n (ho\u1eb7c gia \u0111\u00ecnh) m\u00ecnh. Tuy nhi\u00ean, n\u1ebfu quay l\u1ea1i \u0111\u00fang b\u1ea3n ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u00ednh, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ch\u1ec9 l\u00e0 h\u1ee3p \u0111\u1ed3ng ph\u1ee5, th\u00ec tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00f4ng vi ph\u1ea1m quy \u0111\u1ecbnh tr\u00ean c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. V\u00ec, giao d\u1ecbch vay v\u1ed1n l\u00e0 giao d\u1ecbch ch\u00ednh gi\u1eefa b\u00ean vay v\u1edbi b\u00ean ng\u00e2n h\u00e0ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a doanh nghi\u1ec7p \u0111\u00e3 giao d\u1ecbch v\u1edbi ch\u00ednh m\u00ecnh. Khi \u0111\u00f3, tuy l\u00e0 m\u1ed9t ng\u01b0\u1eddi nh\u01b0ng tham gia giao d\u1ecbch v\u1edbi hai t\u01b0 c\u00e1ch ho\u00e0n to\u00e0n kh\u00e1c nhau: Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho doanh nghi\u1ec7p v\u00e0 m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o l\u00e3nh m\u00e0 c\u1ea3 hai H\u1ee3p \u0111\u1ed3ng \u0111\u1ec1u c\u00f3 ch\u1ee7 th\u1ec3 g\u00edao d\u1ecbch ch\u00ednh l\u00e0 ng\u00e2n h\u00e0ng.<\/p>\n<h5><strong>10. V\u1ec1 s\u1ef1 kh\u00e1c nhau gi\u1eefa th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t:<\/strong><\/h5>\n<p>Nh\u1eefng \u0111i\u1ec3m b\u1ea5t h\u1ee3p l\u00fd n\u00eau tr\u00ean ch\u1ec9 tr\u1edf l\u00ean b\u1ea5t c\u1eadp khi \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t ri\u00eang bi\u1ec7t. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, \u0111a s\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u1ea1i l\u00e0 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n (nh\u00e0 \u1edf v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t), trong \u0111\u00f3 c\u00f3 ho\u1eb7c kh\u00f4ng bao g\u1ed3m quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Do v\u1eady, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt \u0110\u1ea5t \u0111ai n\u0103m 2003.<\/p>\n<p>N\u1ebfu h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t b\u1ecb v\u00f4 hi\u1ec7u trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p: Kh\u00f4ng \u0111\u00fang m\u1ee5c \u0111\u00edch, kh\u00f4ng c\u00f4ng ch\u1ee9ng, kh\u00f4ng \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m, kh\u00f4ng \u0111\u1ee7 ch\u1eef k\u00fd c\u1ee7a c\u00e1c th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh, th\u00ec vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t s\u1ebd c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t nh\u01b0 sau:<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng nh\u00e0 \u1edf v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t \u0111\u1ec3 vay v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ecdi m\u1ee5c \u0111\u00edch h\u1ee3p ph\u00e1p, trong \u0111\u00f3 c\u00f3 nhu c\u1ea7u \u0111\u1eddi s\u1ed1ng, ti\u00eau d\u00f9ng (c\u00f3 hay kh\u00f4ng k\u00e8m theo quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0110\u01b0\u1ee3c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh nh\u00e0 \u1edf v\u00e0 c\u00e1c t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111ang s\u1eed d\u1ee5ng \u0111\u1ea5t h\u1ee3p ph\u00e1p, d\u00f9 l\u00e0 \u0111\u1ea5t \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc cho thu\u00ea hay giao kh\u00f4ng thu ti\u1ec1n, m\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ea5t;<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng b\u1eaft bu\u1ed9c t\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh vi\u00ean trong h\u1ed9 gia \u0111\u00ecnh ph\u1ea3i k\u00fd t\u00ean v\u00e0o h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng nh\u00e0 \u1edf v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t (n\u1ebfu kh\u00f4ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t);<\/p>\n<p>&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng nh\u00e0 \u1edf v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t (n\u1ebfu kh\u00f4ng th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t).<\/p>\n<p style=\"text-align: center;\">*\u00a0\u00a0\u00a0\u00a0 *<\/p>\n<p style=\"text-align: center;\">*<\/p>\n<p>Lu\u1eadt \u0110\u1ea5t \u0111ai m\u1edbi ch\u1ec9 \u0111i\u1ec1u ch\u1ec9nh \u0111\u01b0\u1ee3c m\u1ed9t n\u1eeda v\u1ea5n \u0111\u1ec1 trong m\u1ed9t t\u1ed5ng th\u1ebf th\u1ed1ng nh\u1ea5t v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0ng \u0111\u00e3 t\u1ea1o ra qu\u00e1 nhi\u1ec1u s\u1ef1 ph\u1ee9c t\u1ea1p v\u00e0 thi\u1ebfu h\u1ee3p l\u00fd, trong \u0111\u00f3 c\u00f3 v\u1ea5n \u0111\u1ec1 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t. Do \u0111\u00f3, c\u1ea7n ph\u1ea3i \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd khi thi\u1ebft l\u1eadp c\u00e1c giao d\u1ecbch v\u1ec1 \u0111\u1ea5t \u0111ai n\u00f3i chung, v\u1ec1 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t n\u00f3i ri\u00eang.\/.<\/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;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<p><strong><em>B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u0103ng T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng s\u1ed1 4-2005:<\/em><\/strong><\/p>\n<ul>\n<li><strong>\u0110\u0103ng l\u1ea1i:<\/strong><\/li>\n<\/ul>\n<ol>\n<li>http:\/\/thongtinphapluatdansu.wordpress.com\/2010\/07\/17\/10-v%e1%ba%a5n-d%e1%bb%81-php-l-trong-vi%e1%bb%87c-th%e1%ba%bf-ch%e1%ba%a5p-b%e1%ba%a3o-lnh-b%e1%ba%b1ng-quy%e1%bb%81n-s%e1%bb%ad-d%e1%bb%a5ng-d%e1%ba%a5t\/<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t. (TCNH) &#8211; Vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ch\u1ee7 y\u1ebfu c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd r\u1ea5t ph\u1ee9c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5088,"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-5087","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 v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>72. 10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t.  - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t | M\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ch\u1ee7 y\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng...\" \/>\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\/en\/72-10-van-de-phap-ly-trong-viec-the-chap-bao-lanh-bang-quyen-su-dung-dat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]72. 10 v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd trong vi\u1ec7c th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh b\u1eb1ng quy\u1ec1n s\u1ef1 d\u1ee5ng \u0111\u1ea5t. 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