{"id":6231,"date":"2015-01-21T20:15:26","date_gmt":"2015-01-21T13:15:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=6231"},"modified":"2022-12-29T07:02:26","modified_gmt":"2022-12-29T00:02:26","slug":"234-binh-luan-ve-hop-dong-vay-tai-san-trong-du-thao-bo-luat-dan-su","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/234-binh-luan-ve-hop-dong-vay-tai-san-trong-du-thao-bo-luat-dan-su\/","title":{"rendered":"234. B\u00ecnh lu\u1eadn v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1."},"content":{"rendered":"(ANVI) – Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o B\u1ed9 T\u01b0 ph\u00e1p\u00a0t\u1ed5 ch\u1ee9c t\u1ea1i\u00a0H\u00e0 N\u1ed9i 21-01-2015<\/i><\/strong>[1]<\/a>\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<\/strong><\/p>\n

1. V\u1ec1 kh\u00e1i ni\u1ec7m h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n (\u0110i\u1ec1u 486):<\/strong><\/p>\n

1.1. \u0110i\u1ec1u 486 v\u1ec1 \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh: \u201ckhi \u0111\u1ebfn h\u1ea1n tr\u1ea3, b\u00ean vay ph\u1ea3i ho\u00e0n tr\u1ea3 cho b\u00ean cho vay t\u00e0i s\u1ea3n c\u00f9ng lo\u1ea1i theo \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng<\/em>\u201d. Quy \u0111\u1ecbnh n\u00e0y ch\u01b0a b\u1ea3o \u0111\u1ea3m t\u00ednh bao qu\u00e1t \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n vay l\u00e0 ti\u1ec1n, v\u00ec kh\u00f4ng c\u00f3 y\u1ebfu t\u1ed1 \u201cch\u1ea5t l\u01b0\u1ee3ng\u201d ti\u1ec1n \u1edf \u0111\u00e2y. Vay ti\u1ec1n l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng vay quan tr\u1ecdng nh\u1ea5t, ph\u1ed5 bi\u1ebfn nh\u1ea5t nh\u01b0ng ch\u01b0a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111\u1ea1o lu\u1eadt n\u00e0o (tr\u01b0\u1edbc \u0111\u00e2y, h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 1997, nh\u01b0ng nay \u0111\u00e3 kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010).<\/p>\n

Ngo\u00e0i ra, c\u1ea7n xem l\u1ea1i c\u00e1ch \u0111\u1eb7t t\u00ean \u0110i\u1ec1u, c\u0169ng gi\u1ed1ng nh\u01b0 trong to\u00e0n B\u1ed9 lu\u1eadt, kh\u00f4ng th\u1ec3 \u0111\u1ec3 t\u00ean \u0110i\u1ec1u tr\u00f9ng v\u1edbi tr\u00ean ch\u01b0\u01a1ng, m\u1ee5c, ti\u1ec3u m\u1ee5c, v\u00ec kh\u00f4ng b\u1ea3o \u0111\u1ea3m t\u00ednh l\u00f4 gic t\u1ed1i thi\u1ec3u, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c ch\u01b0\u01a1ng, m\u1ee5c, ti\u1ec3u m\u1ee5c ch\u1ec9 c\u00f3 1 \u0111i\u1ec1u.<\/p>\n

1.2. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh ri\u00eang m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n. \u0110\u1ed3ng th\u1eddi, c\u1ea7n s\u1eeda t\u00ean \u0110i\u1ec1u n\u00e0y th\u00e0nh \u201cKh\u00e1i ni\u1ec7m h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n\u201d.<\/p>\n

2. V\u1ec1 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay (\u0110i\u1ec1u 488):<\/strong><\/p>\n

2.1. Kho\u1ea3n 1, \u0110i\u1ec1u 488 v\u1ec1 \u201cNgh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh m\u1ed9t trong nh\u1eefng ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay l\u00e0: \u201cGiao t\u00e0i s\u1ea3n cho b\u00ean vay \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang ch\u1ea5t l\u01b0\u1ee3ng, s\u1ed1 l\u01b0\u1ee3ng v\u00e0o th\u1eddi \u0111i\u1ec3m v\u00e0 \u0111\u1ecba \u0111i\u1ec3m \u0111\u00e3 tho\u1ea3 thu\u1eadn<\/em>\u201d. Quy \u0111\u1ecbnh n\u00e0y c\u0169ng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n, v\u00ec \u0111\u1ed1i v\u1edbi vi\u1ec7c vay ti\u1ec1n, n\u1ebfu \u0111\u00e3 giao ti\u1ec1n \u201c\u0111\u1ea7y \u0111\u1ee7\u201d, th\u00ec kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n.<\/p>\n

T\u01b0\u01a1ng t\u1ef1 l\u00e0 kho\u1ea3n 2, ho\u00e0n to\u00e0n kh\u00f4ng c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n, khi quy \u0111\u1ecbnh b\u00ean cho vay c\u00f3 ngh\u0129a v\u1ee5: \u201c2. B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho b\u00ean vay, n\u1ebfu b\u00ean cho vay bi\u1ebft t\u00e0i s\u1ea3n kh\u00f4ng b\u1ea3o \u0111\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng m\u00e0 kh\u00f4ng b\u00e1o cho b\u00ean vay bi\u1ebft, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u00ean vay bi\u1ebft m\u00e0 v\u1eabn nh\u1eadn t\u00e0i s\u1ea3n \u0111\u00f3.\u201d<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3, b\u00ean cho vay c\u00f3 ngh\u0129a v\u1ee5: \u201c3. Kh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc th\u1eddi h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 492 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c<\/em>.\u201d:<\/p>\n

2.2. \u0110i\u1ec1u n\u00e0y m\u00e2u thu\u1eabn v\u1edbi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 490 v\u1ec1 \u201cS\u1eed d\u1ee5ng t\u00e0i s\u1ea3n vay\u201d c\u1ee7a D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt, v\u1edbi quy \u0111\u1ecbnh: \u201cb\u00ean cho vay c\u00f3 quy\u1ec1n ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch.<\/em>\u201d, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc h\u1ea1n \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 th\u1eddi h\u1ea1n nh\u01b0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 492 (D\u1ef1 th\u1ea3o vi\u1ebft nh\u1ea7m th\u00e0nh \u0110i\u1ec1u 493).<\/p>\n

2.3. \u0110\u1ed3ng th\u1eddi, \u0111i\u1ec1u n\u00e0y c\u0169ng kh\u00f4ng bao qu\u00e1t \u0111\u01b0\u1ee3c c\u00e1c tr\u01b0\u1eddng h\u1ee3p theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, b\u00ean cho vay \u0111\u01b0\u1ee3c quy\u1ec1n y\u00eau c\u1ea7u b\u00ean vay tr\u1ea3 l\u1ea1i tr\u01b0\u1edbc h\u1ea1n \u0111\u1ed1i v\u1edbi c\u1ea3 tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 th\u1eddi h\u1ea1n, n\u1ebfu \u201cph\u00e1t hi\u1ec7n kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin sai s\u1ef1 th\u1eadt, vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/em>\u201d;<\/p>\n

2.4. Ngo\u00e0i ra, c\u00e1c kho\u1ea3n vay gi\u1eefa Vi\u1ec7t Nam v\u1edbi n\u01b0\u1edbc ngo\u00e0i, trong \u0111\u00f3 c\u00f3 c\u00e1c kho\u1ea3n vay c\u1ee7a Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam, c\u0169ng b\u1ecb r\u00e0ng bu\u1ed9c \u0111i\u1ec1u ki\u1ec7n tr\u1ea3 n\u1ee3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 tr\u00ean.<\/p>\n

2.5. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh ri\u00eang m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n. \u0110\u1ed3ng th\u1eddi s\u1eeda \u0111\u1ed5i \u0110i\u1ec1u n\u00e0y theo h\u01b0\u1edbng, b\u1ed5 sung tr\u01b0\u1eddng h\u1ee3p b\u00ean cho vay \u0111\u01b0\u1ee3c quy\u1ec1n \u0111\u00f2i l\u1ea1i ti\u1ec1n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.<\/p>\n

3. V\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay (\u0110i\u1ec1u 489):<\/strong><\/p>\n

Kho\u1ea3n 5, \u0110i\u1ec1u 489 v\u1ec1 \u201cNgh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh: \u201c5. Tr\u01b0\u1eddng h\u1ee3p vay c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em>\u201d Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng h\u1ee3p l\u00fd \u1edf m\u1ea5y \u0111i\u1ec3m sau:<\/p>\n

3.1. M\u1ed9t trong nh\u1eefng ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean cho vay l\u00e0 \u201cGiao t\u00e0i s\u1ea3n cho b\u00ean vay \u0111\u1ea7y \u0111\u1ee7, \u0111\u00fang ch\u1ea5t l\u01b0\u1ee3ng, s\u1ed1 l\u01b0\u1ee3ng v\u00e0o th\u1eddi \u0111i\u1ec3m v\u00e0 \u0111\u1ecba \u0111i\u1ec3m \u0111\u00e3 tho\u1ea3 thu\u1eadn<\/em>\u201d c\u0169ng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n, v\u00ec \u0111\u1ed1i v\u1edbi vi\u1ec7c vay ti\u1ec1n, n\u1ebfu \u0111\u00e3 giao ti\u1ec1n \u201c\u0111\u1ea7y \u0111\u1ee7\u201d, th\u00ec kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 s\u1ed1 l\u01b0\u1ee3ng;<\/p>\n

3.2. Quy \u0111\u1ecbnh \u201cb\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay theo h\u1ee3p \u0111\u1ed3ng<\/em>.\u201d l\u00e0 kh\u00f4ng h\u1ee3p l\u00fd. Trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u0169ng ch\u1ec9 quy \u0111\u1ecbnh \u201ckh\u00f4ng qu\u00e1 150%\u201d, t\u1ee9c c\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn trong kho\u1ea3ng t\u1eeb 100% \u0111\u1ebfn 150% l\u00e3i su\u1ea5t trong h\u1ea1n. Th\u1eadm ch\u00ed m\u1ee9c cao nh\u1ea5t l\u00e0 150% c\u0169ng c\u1ea7n ph\u1ea3i xem l\u1ea1i, kh\u00f4ng b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi vay, th\u01b0\u1eddng l\u00e0 b\u00ean y\u1ebfu th\u1ebf h\u01a1n.<\/p>\n

3.3. V\u00ec v\u1eady \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh ri\u00eang m\u1ed9t ho\u1eb7c m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n v\u00e0 \u201cl\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n kh\u00f4ng qu\u00e1<\/em> 150% l\u00e3i su\u1ea5t vay\u201d.<\/p>\n

4. V\u1ec1 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n vay (\u0110i\u1ec1u 490):<\/strong><\/p>\n

4.1. \u0110i\u1ec1u 490 v\u1ec1 \u201cS\u1eed d\u1ee5ng t\u00e0i s\u1ea3n vay\u201d, D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt quy \u0111\u1ecbnh: \u201cC\u00e1c b\u00ean c\u00f3 th\u1ec3 tho\u1ea3 thu\u1eadn v\u1ec1 vi\u1ec7c t\u00e0i s\u1ea3n vay ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch vay; b\u00ean cho vay c\u00f3 quy\u1ec1n ki\u1ec3m tra vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n v\u00e0 c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n vay tr\u01b0\u1edbc th\u1eddi h\u1ea1n, n\u1ebfu \u0111\u00e3 nh\u1eafc nh\u1edf m\u00e0 b\u00ean vay v\u1eabn s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n tr\u00e1i m\u1ee5c \u0111\u00edch.<\/em>\u201d<\/p>\n

4.2. \u0110\u1ec1 ngh\u1ecb s\u1eeda c\u1ee5m t\u1eeb \u201ctr\u00e1i<\/em> m\u1ee5c \u0111\u00edch\u201d th\u00e0nh \u201csai<\/em> m\u1ee5c \u0111\u00edch\u201d \u0111\u1ec3 n\u1ed9i dung r\u00f5 r\u00e0ng v\u00e0 h\u1ee3p l\u00fd h\u01a1n.<\/p>\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a>5. V\u1ec1 l\u00e3i su\u1ea5t (\u0110i\u1ec1u 491):<\/strong><\/p>\n

5.1. Kho\u1ea3n 3, \u0110i\u1ec1u 491 v\u1ec1 \u201cL\u00e3i su\u1ea5t\u201d quy \u0111\u1ecbnh: \u201c3. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 200% theo l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ed1i v\u1edbi lo\u1ea1i vay t\u01b0\u01a1ng \u1ee9ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.\u201d <\/em>\u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh kh\u00f4ng h\u1ee3p l\u00fd, v\u00ec nh\u01b0 v\u1eady th\u00ec t\u1eeb n\u0103m 2010 \u0111\u1ebfn nay, l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 18%\/n\u0103m, trong khi tr\u00ean th\u1ef1c t\u1ebf giao d\u1ecbch vay ti\u1ec1n c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 c\u00e1 nh\u00e2n v\u1edbi nhau cao h\u01a1n m\u1ee9c n\u00e0y l\u00e0 ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng v\u00e0 r\u1ea5t h\u1ee3p l\u00fd. \u0110\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng,…) c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e9p cho vay \u0111\u1ebfn 30 \u2013 40%, th\u1eadm ch\u00ed 60 \u2013 70%\/n\u0103m ho\u1eb7c cao bao nhi\u00eau c\u0169ng v\u1eabn h\u1ee3p ph\u00e1p.<\/p>\n

5.2. V\u00ec v\u1eady c\u1ea7n ph\u1ea3i quy \u0111\u1ecbnh theo h\u01b0\u1edbng ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf, \u00edt nh\u1ea5t l\u00e0 36%\/n\u0103m, bao qu\u00e1t \u0111\u01b0\u1ee3c c\u1ea3 l\u00e3i su\u1ea5t cho vay c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 gi\u1edbi h\u1ea1n \u0111\u1ee7 r\u1ed9ng \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c giao d\u1ecbch theo s\u1ef1 tho\u1ea3 thu\u1eadn t\u1ef1 nguy\u1ec7n d\u1ef1a tr\u00ean c\u01a1 s\u1edf cung c\u1ea7u, c\u00f3 hay kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n li\u00ean quan kh\u00e1c.<\/p>\n

6.\u00a0V\u1ec1 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n (\u0110i\u1ec1u 492):<\/strong><\/p>\n

6.1. Kho\u1ea3n 2, \u0110i\u1ec1u 492 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n\u201d quy \u0111\u1ecbnh: \u201c \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o nh\u01b0ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd v\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n, c\u00f2n b\u00ean vay c\u0169ng c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i cho \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, nh\u01b0ng c\u0169ng ph\u1ea3i b\u00e1o tr\u01b0\u1edbc cho b\u00ean cho vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd.\u201d <\/em>Quy \u0111\u1ecbnh n\u00e0y ch\u01b0a bao qu\u00e1t v\u00e0 h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng l\u00e0 b\u00ean \u0111i vay v\u1ed1n (\u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 huy \u0111\u1ed9ng hay nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng). Theo quy \u0111\u1ecbnh t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay c\u1ee7a ng\u00e0nh Ng\u00e2n h\u00e0ng, th\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kk\u00f4ng k\u1ef3 h\u1ea1n, kh\u00f4ng ph\u00e2n bi\u1ec7t c\u00f3 hay kh\u00f4ng c\u00f3 l\u00e3i, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n (cho vay ti\u1ec1n) th\u01b0\u1eddng kh\u00f4ng ph\u1ea3i \u201cb\u00e1o tr\u01b0\u1edbc cho b\u00ean vay m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd\u201d ho\u1eb7c n\u1ebfu c\u00f3 th\u00ec ch\u1ec9 ph\u1ea3i b\u00e1o tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ng\u00e2n h\u00e0ng chi tr\u1ea3. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng (theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 12, \u0110i\u1ec1u 4 v\u1ec1 \u201cGi\u1ea3i th\u00edch t\u1eeb ng\u1eef\u201d, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2010 th\u00ec \u201cT\u00e0i kho\u1ea3n thanh to\u00e1n l\u00e0 t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n do ng\u00e2n h\u00e0ng cung \u1ee9ng<\/em>.\u201d) th\u00ec \u0111\u01b0\u01a1ng nhi\u00ean \u0111\u01b0\u1ee3c \u201c\u0111\u00f2i l\u1ea1i\u201d b\u1ea5t c\u1ee9 l\u00fac n\u00e0o.<\/p>\n

6.2. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 kh\u00f4ng c\u00f3 l\u00e3i theo h\u01b0\u1edbng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung nh\u01b0 sau: B\u00ean cho vay c\u00f3 quy\u1ec1n \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, nh\u01b0ng ph\u1ea3i b\u00e1o cho b\u00ean vay bi\u1ebft tr\u01b0\u1edbc m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 tho\u1ea3 thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c kh\u00f4ng ph\u1ea3i ph\u1ea3i b\u00e1o tr\u01b0\u1edbc.<\/p>\n

7. V\u1ec1 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n (\u0110i\u1ec1u 493):<\/strong><\/p>\n

7.1. Kho\u1ea3n 2, \u0110i\u1ec1u 493 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d quy \u0111\u1ecbnh: \u201c \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 c\u00f3 l\u00e3i th\u00ec b\u00ean vay c\u00f3 quy\u1ec1n tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n \u0111\u1ed3ng th\u1eddi c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c h\u1ee3p l\u00fd.\u201d <\/em>Quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea5t h\u1ee3p l\u00fd v\u1ec1 vi\u1ec7c, tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec \u201cph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 l\u00e3i theo k\u1ef3 h\u1ea1n\u201d t\u1ea1i \u0110i\u1ec1u 478 v\u1ec1 \u201cTh\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u00f3 k\u1ef3 h\u1ea1n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 hi\u1ec7n h\u00e0nh. Tuy nhi\u00ean, D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201cc\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c h\u1ee3p l\u00fd\u201d th\u00ec l\u1ea1i qu\u00e1 chung chung, m\u01a1 h\u1ed3.<\/p>\n

7.2. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb quy \u0111\u1ecbnh r\u00f5, l\u00e0 khi tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n th\u00ec b\u00ean vay ph\u1ea3i tr\u1ea3 l\u00e3i v\u1edbi m\u1ee9c kh\u00f4ng qu\u00e1 50% l\u00e3i theo k\u1ef3 h\u1ea1n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c v\u1edbi m\u1ee9c th\u1ea5p h\u01a1n ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n

8. V\u1ec1 H\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng (\u0110i\u1ec1u 494):<\/strong><\/p>\n

8.1. H\u1ecd, h\u1ee5i, bi\u00eau, ph\u01b0\u1eddng, l\u00e0 4 t\u1eeb kh\u00e1c nhau \u0111\u1ec3 c\u00f9ng ch\u1ec9 m\u1ed9t s\u1ef1 vi\u1ec7c, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1ch vi\u1ebft m\u1ed9t c\u00e1 nh\u00e2n ch\u1ebft, m\u1ea5t, t\u1eeb tr\u1ea7n, qua \u0111\u1eddi, hy sinh,… \u0110\u1ed3ng th\u1eddi, \u0111\u00e3 c\u00f3 m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u00e0y, th\u00ec c\u1ea7n ph\u1ea3i xem x\u00e9t ch\u1ecdn l\u1ecdc nh\u1eefng n\u1ed9i dung h\u1ee3p l\u00fd c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh \u0111\u1ec3 \u0111\u01b0a v\u00e0o B\u1ed9 lu\u1eadt, kh\u00f4ng n\u00ean ti\u1ebfp t\u1ee5c duy tr\u00ec m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh ri\u00eang. Ngo\u00e0i ra, c\u1ea7n b\u1ea3o \u0111\u1ea3ms\u1ef1 th\u1ed1ng nh\u1ea5t v\u1edbi quy \u0111\u1ecbnh s\u1eed d\u1ee5ng t\u1eeb \u201cn\u1eb7ng l\u00e3i\u201d hay \u201cl\u00e3i n\u1eb7ng\u201d. Hi\u1ec7n nay, D\u1ef1 th\u1ea3o quy \u0111\u1ecbnh \u201cNghi\u00eam c\u1ea5m vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ecd d\u01b0\u1edbi h\u00ecnh th\u1ee9c cho vay n\u1eb7ng l\u00e3i<\/em>.\u201d, c\u00f2n B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 1999 th\u00ec quy \u0111\u1ecbnh v\u1ec1 \u201cT\u1ed9i cho vay l\u00e3i n\u1eb7ng<\/em>\u201d.<\/p>\n

8.2. V\u00ec v\u1eady, \u0111\u1ec1 ngh\u1ecb ch\u1ecdn m\u1ed9t t\u1eeb \u0111i\u1ec3n h\u00ecnh nh\u1ea5t \u0111\u1ec3 quy \u0111\u1ecbnh v\u00e0 \u0111\u1eb7t t\u00ean \u0110i\u1ec1u lu\u1eadt, ch\u1ee9 kh\u00f4ng th\u1ec3 li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c t\u1eeb \u0111\u00f3; \u0111\u1ed3ng th\u1eddi lu\u1eadt ho\u00e1 Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u00e0y v\u00e0 th\u1ed1ng nh\u1ea5t v\u1ec1 t\u1eeb ng\u1eef v\u1edbi B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1.<\/p>\n

—————————–<\/em><\/p>\n

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

<\/a><\/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

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

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

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

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

[1]<\/a> \u00a0 B\u00e0i th\u1ee9 22 trong lo\u1ea1t b\u00e0i g\u00f3p \u00fd x\u00e2y d\u1ef1ng D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.","protected":false},"excerpt":{"rendered":"

(ANVI) – Tham lu\u1eadn t\u1ea1i H\u1ed9i th\u1ea3o B\u1ed9 T\u01b0 ph\u00e1p\u00a0t\u1ed5 ch\u1ee9c t\u1ea1i\u00a0H\u00e0 N\u1ed9i 21-01-2015[1]\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 1. V\u1ec1 kh\u00e1i ni\u1ec7m h\u1ee3p \u0111\u1ed3ng vay t\u00e0i […]<\/p>\n","protected":false},"author":7,"featured_media":6258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,26],"tags":[],"class_list":["post-6231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-chi-phong-van","category-legal-media"],"acf":[],"yoast_head":"\n234. B\u00ecnh lu\u1eadn v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. - 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\/vi\/234-binh-luan-ve-hop-dong-vay-tai-san-trong-du-thao-bo-luat-dan-su\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]234. B\u00ecnh lu\u1eadn v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n trong D\u1ef1 th\u1ea3o B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1. 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