{"id":6093,"date":"2013-09-23T23:03:34","date_gmt":"2013-09-23T16:03:34","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6093"},"modified":"2022-02-10T20:38:37","modified_gmt":"2022-02-10T13:38:37","slug":"193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai\/","title":{"rendered":"193. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 li\u00ean l\u1ecbch H\u01b0\u1edbng d\u1eabn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai."},"content":{"rendered":"(ANVI) – H\u1ed9i th\u1ea3o VNBA \u2013 NHNN \u2013 B\u1ed9 X\u00e2y D\u1ef1ng\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 23-9-2013\u00a0\u00a0\u00a0\u00a0 <\/em><\/strong><\/p>\n
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  1. <\/a><\/a><\/a><\/a> \u0110\u00e1nh gi\u00e1 chung:<\/li>\n<\/ol>\n
      \n
    • N\u1ed9i dung h\u01b0\u1edbng d\u1eabn kh\u00f3, ch\u1ee7 y\u1ebfu nh\u1eafc l\u1ea1i, di\u1ec5n l\u1ea1i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. Th\u1eadt kh\u00f3 cho NHNN, khi m\u00e0 Ngh\u1ecb \u0111\u1ecbnh ch\u1ec9 giao NHNN h\u01b0\u1edbng d\u1eabn “th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n t\u1ea1i c\u00e1c TCTD”, ch\u1ee9 kh\u00f4ng giao h\u01b0\u1edbng d\u1eabn d\u1eabn n\u1ed9i dung r\u1ed9ng h\u01a1n, trong khi \u0111\u00f3 c\u1ea3 th\u1ee7 t\u1ee5c v\u00e0 n\u1ed9i dung th\u00ec v\u1ec1 c\u01a1 b\u1ea3n l\u1ea1i ch\u1eb3ng li\u00ean quan g\u00ec \u0111\u1ebfn NHNN, m\u00e0 \u0111\u1ea7u tr\u00f2 ph\u1ea3i l\u00e0 B\u1ed9 T\u01b0 ph\u00e1p, li\u1ec1n sau l\u00e0 B\u1ed9 X\u00e2y d\u1ef1ng. Nh\u01b0 v\u1eady l\u00e0 NHNN b\u1ecb giao nh\u1ea7m, ch\u1ec9 v\u00ec c\u00f3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c vay v\u1ed1n c\u1ee7a c\u00e1c TCTD. Ch\u1ec9 l\u00e0m theo \u0111\u00fang 1 t\u1eeb th\u00ec v\u00f4 gi\u00e1 tr\u1ecb, m\u00e0 m\u1edf r\u1ed9ng th\u00ec kh\u00f4ng ch\u1eebng ch\u00ednh B\u1ed9 T\u01b0 ph\u00e1p nh\u1ea3y ra ngo\u00e0i kh\u00f4ng l\u00e0m \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 l\u1ea1i nh\u1ea3y v\u00e0o tu\u00fdt c\u00f2i.<\/li>\n
    • C\u00f4ng ch\u1ee9ng, \u0111\u0103ng k\u00fd, x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p theo quy \u0111\u1ecbnh ri\u00eang, nh\u01b0ng v\u1eabn v\u01b0\u1edbng m\u1eafc, \u0111\u1ebfn nay ch\u01b0a r\u00f5. v\u00ec Ch\u00ednh ph\u1ee7 ch\u1ec9 giao cho NHNN, n\u00ean ch\u1edd \u0111\u1ee3i m\u1ea5y n\u0103m ch\u1ec9 l\u00f4i \u0111\u01b0\u1ee3c th\u00eam 1 b\u1ed9 v\u00e0o cu\u1ed9c.<\/li>\n
    • D\u00f9 sao c\u0169ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng kh\u00e1c t\u1ed1t \u0111\u01b0\u1ee3c c\u00e1c v\u01b0\u1edbng m\u1eafc t\u1eeb vi\u1ec7c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.<\/li>\n
    • Tuy nhi\u00ean m\u1ed9t s\u1ed1 n\u1ed9i dung c\u1ea7n c\u1ee5 th\u1ec3 h\u01a1n, v\u00ec nh\u1eadn th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n n\u00e0y r\u1ee7i ro r\u1ea5t cao (c\u00f3 th\u1ec3 nh\u1eadn th\u1ebf ch\u1ea5p tr\u00f9ng 5-7 l\u1ea7n tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n th\u1ef1c ch\u1ea5t), d\u1ec5 v\u01b0\u1edbng m\u1eafc tr\u00ean th\u1ef1c t\u1ebf.<\/li>\n
    • V\u00e0 c\u1ea7n xem l\u1ea1i m\u1ed9t s\u1ed1 n\u1ed9i dung quy \u0111\u1ecbnh c\u00f3 ph\u1ea7n ch\u1eb7t h\u01a1n Lu\u1eadt Nh\u00e0 \u1edf v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP.<\/li>\n<\/ul>\n
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      1. V\u1ec1 Ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh (\u0110i\u1ec1u 1):<\/li>\n<\/ol>\n

        Ngo\u00e0i nh\u00e0 t\u1ea1i c\u00e1c d\u1ef1 \u00e1n nh\u00e0 \u1edf, c\u1ea7n ch\u1ea5p nh\u1eadn c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c n\u1ebfu nh\u01b0 \u0111\u00e3 c\u00f3 S\u1ed5 \u0111\u1ecf v\u00e0 gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u00e0i \u0110i\u1ec1u kho\u1ea3n 61.2 v\u1ec1 \u201cTh\u1ebf ch\u1ea5p nh\u00e0 \u1edf\u201d, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP ng\u00e0y 23-6-2010 c\u1ee7a Ch\u00ednh ph\u1ee7 \u201cQuy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh Lu\u1eadt Nh\u00e0 \u1edf\u201d: \u201cT\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n mua nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai c\u1ee7a doanh nghi\u1ec7p kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c quy\u1ec1n th\u1ebf ch\u1ea5p t\u1ea1i TCTD \u0111\u1ec3 vay v\u1ed1n\u201d.<\/p>\n

          \n
        1. V\u1ec1 Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef (\u0110i\u1ec1u 3):<\/li>\n<\/ol>\n
            \n
          • Nh\u1ea5t tr\u00ed cao v\u1edbi tr\u01b0\u1eddng h\u1ee3p nh\u00e0 \u1edf \u0111\u00e3 b\u00e0n giao, nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai, \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho lo\u1ea1i t\u00e0i s\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c tham gia giao d\u1ecbch, thay v\u00ec nh\u00e0 \u1ea3o, nh\u00e0 tr\u00ean gi\u1ea5y, nh\u00e0 kh\u00f4ng kh\u00ed th\u00ec \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p, c\u00f2n nh\u00e0 th\u1eadt, nh\u00e0 hi\u1ec7n h\u1eefu, nh\u00e0 b\u1ea3o \u0111\u1ea3m gi\u00e1 tr\u1ecb th\u00ec l\u1ea1i b\u1ecb lo\u1ea1i kh\u1ecfi.<\/li>\n
          • C\u00e2u chuy\u1ec7n nh\u00e0 – \u0111\u1ea5t r\u1ed1i r\u1eafm, k\u1ef3 \u1ea3o, m\u1eadp m\u1edd, l\u00fac t\u00e1ch l\u00fac nh\u1eadp, khi chung khi ri\u00eang. Tuy Lu\u1eadt Nh\u00e0 \u1edf v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP quy \u0111\u1ecbnh giao d\u1ecbch nh\u00e0 \u1edf (k\u1ec3 c\u1ea3 nh\u00e0 \u0111\u00e3 b\u00e0n giao) ph\u1ea3i c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn, nh\u01b0ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 hi\u1ec3u theo ngh\u0129a nh\u00e0 \u0111\u00e3 b\u00e0n giao v\u1eabn c\u00f3 th\u1ec3 giao d\u1ecbch theo lo\u1ea1i nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. \u0110i\u1ec1u n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 4.2.c v\u1ec1 “T\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m”, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP ng\u00e0y 29-12-2006 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 \u201cGiao d\u1ecbch b\u1ea3o \u0111\u1ea3m\u201d (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 11\/2012\/N\u0110-CP, th\u00ec T\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai g\u1ed3m lo\u1ea1i “T\u00e0i s\u1ea3n \u0111\u00e3 h\u00ecnh th\u00e0nh v\u00e0 thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea3i \u0111\u0103ng k\u00fd quy\u1ec1n s\u1edf h\u1eefu, nh\u01b0ng sau th\u1eddi \u0111i\u1ec3m giao k\u1ebft giao d\u1ecbch b\u1ea3o \u0111\u1ea3m th\u00ec t\u00e0i s\u1ea3n \u0111\u00f3 m\u1edbi \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt”. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t, c\u00f3 \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n nh\u1ea5t trong Th\u00f4ng t\u01b0 n\u00e0y.<\/li>\n
          • Tuy nhi\u00ean m\u1edf r\u1ed9ng ra tr\u01b0\u1eddng h\u1ee3p n\u00e0y, m\u00e0 l\u1ea1i thu h\u1eb9p m\u1ee5c \u0111\u00edch vay v\u1ed1n, th\u00ec l\u1ea1i \u00edt \u00fd ngh\u0129a, v\u00ec \u0111\u00e3 b\u00e0n giao nh\u00e0 r\u1ed3i, th\u00ec \u0111\u00e3 ph\u1ea3i thanh to\u00e1n xong ti\u1ec1n mua nh\u00e0. Theo t\u00f4i, \u0111\u00e2y l\u00e0 m\u1ee5c \u0111\u00edch vay v\u1ed1n n\u00f3i chung, kh\u00f4ng h\u1ec1 b\u1eaft bu\u1ed9c ph\u1ea3i g\u1eafn li\u1ec1n v\u1edbi m\u1ee5c \u0111\u00edch mua ch\u00ednh c\u0103n nh\u00e0 \u0111\u00f3. \u0110\u00e2y l\u00e0 1 trong s\u1ed1 3 quy \u0111\u1ecbnh b\u00f3 h\u1eb9p lu\u1eadt, ngh\u1ecb \u0111\u1ecbnh. kh\u00f4ng cho th\u00ec c\u00f2n r\u1ee7i ro h\u01a1n, v\u00ec tr\u00ean th\u1ef1c t\u1ebf v\u1eabn c\u1ee9 nh\u1eadn v\u00e0 nh\u1eadn th\u1ebf ch\u1ea5p h\u1ee3p ph\u00e1p quy\u1ec1n t\u00e0i s\u1ea3n ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng.<\/li>\n<\/ul>\n
              \n
            1. V\u1ec1 Nguy\u00ean t\u1eafc th\u1ef1c hi\u1ec7n (\u0110i\u1ec1u 4):\n
                \n
              • \u0110i\u1ec1u 114 v\u1ec1 \u201c\u0110i\u1ec1u ki\u1ec7n th\u1ebf ch\u1ea5p nh\u00e0 \u1edf\u201d Lu\u1eadt nh\u00e0 \u1edf quy \u0111\u1ecbnh gi\u00e1 tr\u1ecb nh\u00e0 \u1edf ph\u1ea3i l\u1edbn h\u01a1n gi\u00e1 tr\u1ecb ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u00e3 l\u00e0 m\u1ed9t sai l\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3. Nh\u01b0ng \u0110i\u1ec1u kho\u1ea3n 4.3, D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 l\u1ea1i c\u00f2n ch\u1eb7t h\u01a1n khi quy \u0111\u1ecbnh k\u1ec3 c\u1ea3 tr\u01b0\u1eddng h\u1ee3p c\u1ed9ng th\u00eam c\u1ea3 gi\u00e1 tr\u1ecb quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0o gi\u00e1 tr\u1ecb nh\u00e0, th\u00ec t\u1ed5ng gi\u00e1 tr\u1ecb v\u1eabn ph\u1ea3i l\u1edbn h\u01a1n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/li>\n
              • Quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 4.3: \u201cGi\u00e1 tr\u1ecb nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai d\u00f9ng \u0111\u1ec3 th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p” l\u00e0 ch\u01b0a r\u00f5, kh\u00f4ng kh\u00e1c g\u00ec v\u1edbi t\u00e0i s\u1ea3n hi\u1ec7n h\u1eefu kh\u00f4ng th\u1ec3 hi\u1ec7n \u0111\u01b0\u1ee3c s\u1ef1 kh\u00e1c bi\u1ec7t ho\u00e0n to\u00e0n v\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00e1c. V\u00ec v\u1eady, c\u1ea7n xem x\u00e9t quy \u0111\u1ecbnh r\u00f5 h\u01a1n v\u1ec1 vi\u1ec7c \u0111\u1ecbnh gi\u00e1 l\u00e0 t\u00ednh theo gi\u00e1 tr\u1ecb hi\u1ec7n h\u1eefu hay gi\u00e1 tr\u1ecb trong t\u01b0\u01a1ng lai, t\u1ea1i th\u1eddi \u0111i\u1ec3m nh\u1eadn th\u1ebf ch\u1ea5p hay t\u1ea1i th\u1eddi \u0111i\u1ec3m s\u1ebd ho\u00e0n th\u00e0nh c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng hay ch\u1ea5p nh\u1eadn m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 tr\u00e1nh c\u00e1ch hi\u1ec3u sai c\u0169ng nh\u01b0 t\u00ecnh tr\u1ea1ng “h\u00ecnh s\u1ef1 ho\u00e1\u201d. (gi\u1ed1ng nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP quy \u0111\u1ecbnh r\u00f5 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 b\u1eb1ng, cao h\u01a1n ho\u1eb7c th\u1ea5p h\u01a1n ngh\u0129a v\u1ee5 b\u1ea3o \u0111\u1ea3m).<\/li>\n<\/ul>\n<\/li>\n
              • V\u1ec1 n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p (\u0110i\u1ec1u 7):<\/li>\n<\/ol>\n

                \u0110\u1ec1 ngh\u1ecb ch\u1ec9nh s\u1eeda l\u1ea1i c\u00e1ch di\u1ec5n \u0111\u1ea1t \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng \u201cH\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p c\u00f3 c\u00e1c n\u1ed9i dung ch\u00ednh sau \u0111\u00e2y\u201d , nh\u01b0ng l\u1ea1i g\u1ed3m c\u1ea3 \u201cc\u00e1c tho\u1ea3 thu\u1eadn kh\u00e1c\u201d, hay c\u1ee5 th\u1ec3 \u0111\u1ebfn m\u1ee9c nh\u1eafc \u0111\u1ebfn ph\u1ea3i c\u00f3 ch\u1eef k\u00fd c\u1ee7a 2 b\u00ean, nh\u01b0ng l\u1ea1i kh\u00f4ng nh\u1eafc \u0111\u1ebfn vi\u1ec7c \u0111\u00f3ng d\u1ea5u, m\u00e0 ch\u1eafc ch\u1eafn \u00edt nh\u1ea5t ph\u1ea3i c\u00f3 1 b\u00ean.<\/p>\n

                  \n
                1. V\u1ec1 h\u1ed3 s\u01a1 th\u1ebf ch\u1ea5p (\u0110i\u1ec1u 8):\n
                    \n
                  • \u0110\u1ec1 ngh\u1ecb xem l\u1ea1i, kh\u00f4ng nh\u1ea5t thi\u1ebft h\u1ed3 s\u01a1 th\u1ebf ch\u1ea5p ph\u1ea3i k\u00e8m theo “H\u1ee3p \u0111\u1ed3ng cho vay v\u1ed1n”, v\u00ec theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u0169ng nh\u01b0 tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c b\u00ean ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng cho vay. C\u1ee5 th\u1ec3, \u0110i\u1ec1u kho\u1ea3n 3.6 v\u1ec1 “Gi\u1ea3i th\u00edch t\u1eeb ng\u1eef”, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 163\/2006\/N\u0110-CP \u0111\u00e3 quy \u0111\u1ecbnh r\u00f5: “Ngh\u0129a v\u1ee5 trong t\u01b0\u01a1ng lai l\u00e0 ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 m\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 l\u00e0m ph\u00e1t sinh ngh\u0129a v\u1ee5 \u0111\u00f3 \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp sau khi giao d\u1ecbch b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c giao k\u1ebft”.<\/li>\n
                  • Quy \u0111\u1ecbnh tr\u00ean c\u00f9ng v\u1edbi quy \u0111\u1ecbnh ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p nh\u00e0 \u1edf \u0111\u1ec3 vay v\u1ed1n mua ch\u00ednh t\u00e0i s\u1ea3n \u0111\u00f3 l\u00e0 \u0111\u00e3 thu h\u1eb9p m\u1ee5c \u0111\u00edch th\u1ebf ch\u1ea5p theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 71\/2010\/N\u0110-CP.<\/li>\n<\/ul>\n<\/li>\n
                  • V\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean th\u1ebf ch\u1ea5p (\u0110i\u1ec1u 9):<\/li>\n<\/ol>\n

                    \u0110\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5 h\u01a1n th\u1ee7 t\u1ee5c t\u1ea1i \u0110i\u1ec1u kho\u1ea3n 9.2.e v\u1ec1 vi\u1ec7c \u201cb\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i u\u1ef7 quy\u1ec1n \u0111\u1ec3 ch\u1ee7 \u0111\u1ea7u t\u01b0 giao Gi\u1ea5y ch\u1ee9ng nh\u1eadn cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p\u201d ho\u1eb7c \u201cb\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i u\u1ef7 quy\u1ec1n cho b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c nh\u1eadn v\u00e0 gi\u1eef Gi\u1ea5y ch\u1ee9ng nh\u1eadn sau khi \u0111\u01b0\u1ee3c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn\u201d. C\u1ee5 th\u1ec3 l\u00e0 ph\u1ea3i l\u00e0m u\u1ef7 quy\u1ec1n cho 2 tr\u01b0\u1eddng h\u1ee3p n\u00e0y t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p hay khi kh\u00e1c, u\u1ef7 quy\u1ec1n b\u1eb1ng h\u1ee3p \u0111\u1ed3ng u\u1ef7 quy\u1ec1n hay ch\u1ec9 c\u1ea7n 1 b\u00ean k\u00fd, u\u1ef7 quy\u1ec1n c\u00f3 c\u00f4ng ch\u1ee9ng hay kh\u00f4ng c\u1ea7n c\u00f4ng ch\u1ee9ng, u\u1ef7 quy\u1ec1n ri\u00eang hay c\u00f3 th\u1ec3 ghi nh\u1eadn ngay trong h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p,…<\/p>\n

                      \n
                    1. V\u1ec1 k\u1ef9 thu\u1eadt so\u1ea1n th\u1ea3o:<\/li>\n<\/ol>\n
                        \n
                      • \u0110\u1ec1 ngh\u1ecb b\u1ed1 c\u1ee5c l\u1ea1i theo h\u01b0\u1edbng kh\u00f4ng \u0111\u1ec3 m\u1ed9t \u0111o\u1ea1n v\u0103n kh\u00f4ng thu\u1ed9c kho\u1ea3n, \u0111i\u1ec3m n\u00e0o trong b\u1ed1 c\u1ee5c \u0111i\u1ec1u \u0111\u01b0\u1ee3c ph\u00e2n chia theo kho\u1ea3n \u0111i\u1ec3m nh\u01b0 t\u1ea1i c\u00e1c \u0111i\u1ec1u 5, 7, 8,…<\/li>\n
                      • \u0110i\u1ec1u 16.4 quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a Ch\u1ee7 t\u1ecbch H\u0110QT v\u00e0 T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u00e1c TCTD, c\u1ea7n s\u1eeda l\u1ea1i Ch\u1ee7 t\u1ecbch th\u00e0nh H\u0110QT, v\u00ec \u0111\u00e2y l\u00e0 c\u01a1 ch\u1ebf l\u00e0m vi\u1ec7c t\u1eadp th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i th\u1ee7 tr\u01b0\u1edfng nh\u01b0 v\u1edbi T\u1ed5ng gi\u00e1m \u0111\u1ed1c.<\/li>\n<\/ul>\n

                        —————————–<\/em><\/p>\n

                        Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/strong><\/p>\n

                        \u0110C:\u00a0<\/em>C\u00f4ng ty Lu\u1eadt\u00a0<\/em>ANVI, t\u1ea7ng 2, T\u00f2a nh\u00e0 Savina, s\u1ed1 1 \u0110inh L\u1ec5, ph\u1ed1 Tr\u00e0ng Ti\u1ec1n, qu\u1eadn Ho\u00e0n Ki\u1ebfm,\u00a0<\/em>HN<\/em><\/p>\n

                        FB: Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c (www.facebook.com\/LSTruongThanhDuc)<\/em><\/p>\n

                        E-mail: duc.tt\u00a0@anvilaw.com<\/em><\/p>\n

                        Web: www.anvilaw.com<\/em><\/p>\n

                        \u0110T: 090.345.9070<\/em><\/p>\n

                        \u00a0<\/em>","protected":false},"excerpt":{"rendered":"

                        (ANVI) – H\u1ed9i th\u1ea3o VNBA \u2013 NHNN \u2013 B\u1ed9 X\u00e2y D\u1ef1ng\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 23-9-2013\u00a0\u00a0\u00a0\u00a0 \u0110\u00e1nh gi\u00e1 chung: N\u1ed9i dung h\u01b0\u1edbng d\u1eabn kh\u00f3, ch\u1ee7 y\u1ebfu nh\u1eafc l\u1ea1i, di\u1ec5n l\u1ea1i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. Th\u1eadt kh\u00f3 cho NHNN, khi m\u00e0 Ngh\u1ecb \u0111\u1ecbnh ch\u1ec9 giao NHNN h\u01b0\u1edbng d\u1eabn “th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n […]<\/p>\n","protected":false},"author":7,"featured_media":6254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n193. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 li\u00ean l\u1ecbch H\u01b0\u1edbng d\u1eabn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai. - ANVI Law Firm<\/title>\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\/193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]193. B\u00ecnh lu\u1eadn D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 li\u00ean l\u1ecbch H\u01b0\u1edbng d\u1eabn th\u1ebf ch\u1ea5p nh\u00e0 \u1edf h\u00ecnh th\u00e0nh trong t\u01b0\u01a1ng lai.[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANVI) – H\u1ed9i th\u1ea3o VNBA \u2013 NHNN \u2013 B\u1ed9 X\u00e2y D\u1ef1ng\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 23-9-2013\u00a0\u00a0\u00a0\u00a0 \u0110\u00e1nh gi\u00e1 chung: N\u1ed9i dung h\u01b0\u1edbng d\u1eabn kh\u00f3, ch\u1ee7 y\u1ebfu nh\u1eafc l\u1ea1i, di\u1ec5n l\u1ea1i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. Th\u1eadt kh\u00f3 cho NHNN, khi m\u00e0 Ngh\u1ecb \u0111\u1ecbnh ch\u1ec9 giao NHNN h\u01b0\u1edbng d\u1eabn “th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p \u0111\u1ec3 vay v\u1ed1n […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2013-09-23T16:03:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-10T13:38:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2013\/09\/F131ADFD-0351-4BE4-9EB9-BF62FC64F7BE.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"466\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/anvilaw.com\/en\/193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/anvilaw.com\/en\/193-binh-luan-du-thao-thong-tu-lien-lich-huong-dan-the-chap-nha-o-hinh-thanh-trong-tuong-lai\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thu H\u1eb1ng\",\"@id\":\"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/3ed6356b2b43ea929d46dfbdac9c841c\"},\"headline\":\"193. 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