C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, \u0111\u1ec3 r\u1ea1ch r\u00f2i vi\u1ec7c ph\u00e2n b\u1ed1 v\u1ed1n vay, n\u00ean quy \u0111\u1ecbnh 2\/3 trong s\u1ed1 30 ngh\u00ecn t\u1ef7 l\u00e0 cho vay c\u00e1 nh\u00e2n, ch\u1ec9 d\u00e0nh 1\/3 cho vay DN. \u00dd ki\u1ebfn \u00f4ng th\u1ebf n\u00e0o?
TS V\u0169 \u0110\u00ecnh \u00c1nh: Theo t\u00f4i, kh\u00f4ng n\u00ean cho vay DN. V\u00ec theo kinh nghi\u1ec7m t\u1eeb n\u0103m 2009 khi h\u1ed7 tr\u1ee3 l\u00e3i su\u1ea5t 4%, cho vay DN r\u1ea5t d\u1ec5 sai m\u1ee5c \u0111\u00edch. DN vay xong kh\u00f4ng l\u00e0m, ho\u1eb7c gi\u1ea3 v\u1edd l\u00e0m \u00edt h\u01a1n quy \u0111\u1ecbnh \u0111\u1ec3 l\u1ea5y v\u1ed1n \u0111\u1ea7u t\u01b0 l\u00e0m vi\u1ec7c kh\u00e1c. Th\u1ebf n\u00ean theo t\u00f4i kh\u00f4ng n\u00ean d\u00e0nh v\u1ed1n cho DN, m\u00e0 ch\u1ec9 cho vay ng\u01b0\u1eddi mua. V\u1edbi DN, n\u00ean d\u00e0nh cho 1 ch\u01b0\u01a1ng tr\u00ecnh kh\u00e1c.
Ngo\u00e0i ra, d\u1ef1 th\u1ea3o giao vi\u1ec7c th\u1ef1c hi\u1ec7n cho vay v\u1ed1n v\u1ec1 c\u00e1c NHTM Nh\u00e0 n\u01b0\u1edbc l\u00e0 d\u1edf. D\u1ec5 c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd x\u1ea3y ra hi\u1ec7n t\u01b0\u1ee3ng \u0111\u1ea3o n\u1ee3: c\u00e1c NH cho vay B\u0110S r\u1ea5t nhi\u1ec1u, n\u1ee3 x\u1ea5u, kh\u00f4ng \u0111\u00f2i \u0111\u01b0\u1ee3c. Gi\u1eefa NH v\u00e0 DN s\u1ebd th\u00f4ng \u0111\u1ed3ng: b\u01a1m ti\u1ec1n v\u00e0o c\u00e1c DN \u0111ang vay v\u1ed1n, v\u1edbi \u0111\u1ec1 ngh\u1ecb DN ph\u1ea3i xin gi\u1ea5y ph\u00e9p chuy\u1ec3n \u0111\u1ed5i sang nh\u00e0 \u1edf x\u00e3 h\u1ed9i \u0111\u1ec3 h\u1ee3p th\u1ee9c h\u00f3a. V\u1edbi c\u00e1ch \u201cl\u00e1ch\u201d n\u00e0y, NH th\u00ec gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c n\u1ee3 x\u1ea5u, DN c\u0169ng ki\u1ebfm b\u1eabm, ch\u1ec9 c\u00f3 ng\u01b0\u1eddi mua nh\u00e0 l\u00e0 thi\u1ec7t, ti\u1ec1n ng\u00e2n s\u00e1ch c\u0169ng b\u1ecb th\u00e2m h\u1ee5t v\u00ec \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u00fang ch\u1ed7, v\u00e0 30 ngh\u00ecn t\u1ef7 ch\u1eb3ng m\u1ea5y ch\u1ed1c m\u00e0 h\u1ebft.<\/p>\n\n\n\n
Xin c\u1ea3m \u01a1n \u00f4ng!<\/p>\n\n\n\n
Theo d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0, ng\u01b0\u1eddi vay ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i d\u01b0\u1edbi 70m2, gi\u00e1 b\u00e1n d\u01b0\u1edbi 15 tri\u1ec7u \u0111\u1ed3ng\/m2, t\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 1 t\u1ef7 \u0111\u1ed3ng tr\u1edf xu\u1ed1ng. \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh nh\u1eb1m t\u1ea1o th\u00eam \u0111i\u1ec1u ki\u1ec7n cho nh\u1eefng ng\u01b0\u1eddi ch\u01b0a \u0111\u1ee7 ti\u1ec1n mua, c\u00f2n gi\u00e1 c\u1ea3 th\u00ec theo th\u1ecb tr\u01b0\u1eddng v\u00e0 ph\u00eda c\u00e1c DN c\u0169ng s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0o c\u1ea3.
Hi\u1ec7n nay, c\u00e1c ch\u1ee7 tr\u01b0\u01a1ng v\u00e0 ngay c\u1ea3 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 c\u0169ng \u0111ang t\u01b0 duy theo g\u00f3c \u0111\u1ed9 ng\u01b0\u1eddi cho vay, ch\u1ee9 ch\u01b0a t\u01b0 duy theo g\u00f3c \u0111\u1ed9 c\u1ee7a ng\u01b0\u1eddi \u0111i vay. N\u1ebfu d\u00e0nh ti\u1ec1n cho ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p vay \u0111\u1ec3 thu\u00ea nh\u00e0, t\u00f4i ngh\u0129 s\u1ebd \u00edt ng\u01b0\u1eddi d\u00e1m vay, v\u00ec theo logic v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh, ng\u01b0\u1eddi ta ch\u1ec9 c\u00f3 th\u1ec3 vay ti\u1ec1n \u0111\u1ec3 mua nh\u00e0, ch\u1ee9 kh\u00f4ng th\u1ec3 vay ti\u1ec1n \u0111\u1ec3 \u0111i thu\u00ea nh\u00e0. Th\u1ebf n\u00ean, ch\u1ee7 tr\u01b0\u01a1ng n\u00e0y s\u1ebd r\u01a1i v\u00e0o ch\u1ed7 kh\u00f4ng th\u1ec3 tri\u1ec3n khai.<\/p>\n\n\n\n
Theo DiaOcOnline.vn<\/p>\n","protected":false},"excerpt":{"rendered":"
C\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng, \u0111\u1ec3 r\u1ea1ch r\u00f2i vi\u1ec7c ph\u00e2n b\u1ed1 v\u1ed1n vay, n\u00ean quy \u0111\u1ecbnh 2\/3 trong s\u1ed1 30 ngh\u00ecn t\u1ef7 l\u00e0 cho vay c\u00e1 [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/697"}],"collection":[{"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=697"}],"version-history":[{"count":1,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/697\/revisions"}],"predecessor-version":[{"id":698,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/697\/revisions\/698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=\/wp\/v2\/media\/190"}],"wp:attachment":[{"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/congchunghoankiem.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}