{"id":10557,"date":"2018-01-06T16:22:40","date_gmt":"2018-01-06T09:22:40","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=10557"},"modified":"2019-08-19T05:38:47","modified_gmt":"2019-08-18T22:38:47","slug":"thu-tuc-vay-the-chap-so-do-tai-ngan-hang","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/thu-tuc-vay-the-chap-so-do-tai-ngan-hang\/","title":{"rendered":"Th\u1ee7 t\u1ee5c vay th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf t\u1ea1i ng\u00e2n h\u00e0ng"},"content":{"rendered":"\n

Th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p vay ng\u00e2n h\u00e0ng b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ebfn s\u1edf h\u1eefu nh\u00e0. Sau \u0111\u00e2y l\u00e0 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng b\u1eb1ng quy\u1ec1n d\u1ee5ng \u0111\u1ea5t (s\u1ed5 \u0111\u1ecf), quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u0111\u1ec3 qu\u00fd v\u1ee5 c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng.<\/p>\n

1. C\u0103n c\u1ee9 ph\u00e1p l\u00fd:
\n<\/strong>+ B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015
\n+ Lu\u1eadt \u0111\u1ea5t \u0111ai 2013
\n+ Ngh\u1ecb \u0111\u1ecbnh 83\/2010\/ N\u0110- CP Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m<\/p>\n

2. M\u1ed9i dung t\u01b0 v\u1ea5n:<\/strong>
\n1. Nh\u1eefng quy \u0111\u1ecbnh chung v\u1ec1 vay th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf t\u1ea1i ng\u00e2n h\u00e0ng
\nHi\u1ec7n nay ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n ng\u00e2n h\u00e0ng c\u00f3 th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf \u0111\u01b0\u1ee3c di\u1ec5n ra r\u1ea5t ph\u1ed5 bi\u1ebfn. \u0110\u1ed3ng th\u1eddi vi\u1ec7c vay c\u00f3 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 s\u1ed5 \u0111\u1ecf hay gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n

Do v\u1eady, tr\u01b0\u1edbc h\u1ebft, c\u1ea7n ph\u1ea3i hi\u1ec3u h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 g\u00ec, t\u1ea1i sao ph\u1ea3i l\u1eadp lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y khi vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng. Theo quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 317, b\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 c\u00f3 n\u00eau: \u201c\u0110i\u1ec1u 317. Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n: 1. Th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c m\u1ed9t b\u00ean (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean th\u1ebf ch\u1ea5p) d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 v\u00e0 kh\u00f4ng giao t\u00e0i s\u1ea3n cho b\u00ean kia (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p).<\/p>\n

2. T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p do b\u00ean th\u1ebf ch\u1ea5p gi\u1eef. C\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn giao cho ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.\u201d V\u00ec v\u1eady, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u1ea1n, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng s\u1ebd y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n v\u1ed1n.<\/p>\n

Ngo\u00e0i ra, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00f3 th\u1ec3 vay th\u1ebf ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng<\/strong> th\u00ec s\u1ed5 \u0111\u1ecf (hay gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t) c\u1ee7a ng\u01b0\u1eddi \u0111i vay ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n chung \u0111\u01b0\u1ee3c lu\u1eadt \u0111\u1ea5t \u0111ai 2013 quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec1u 188, g\u1ed3m c\u00f3:<\/p>\n

\u201c\u0110i\u1ec1u 188. \u0110i\u1ec1u ki\u1ec7n th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n chuy\u1ec3n \u0111\u1ed5i, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, cho thu\u00ea l\u1ea1i, th\u1eeba k\u1ebf, t\u1eb7ng cho, th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t; g\u00f3p v\u1ed1n b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t<\/p>\n

1. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n chuy\u1ec3n \u0111\u1ed5i, chuy\u1ec3n nh\u01b0\u1ee3ng, cho thu\u00ea, cho thu\u00ea l\u1ea1i, th\u1eeba k\u1ebf, t\u1eb7ng cho, th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t; g\u00f3p v\u1ed1n b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t khi c\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau \u0111\u00e2y:
\na) C\u00f3 Gi\u1ea5y ch\u1ee9ng nh\u1eadn, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 3 \u0110i\u1ec1u 186 v\u00e0 tr\u01b0\u1eddng h\u1ee3p nh\u1eadn th\u1eeba k\u1ebf quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 168 c\u1ee7a Lu\u1eadt n\u00e0y;
\nb) \u0110\u1ea5t kh\u00f4ng c\u00f3 tranh ch\u1ea5p;
\nc) Quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t kh\u00f4ng b\u1ecb k\u00ea bi\u00ean \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m thi h\u00e0nh \u00e1n;
\nd) Trong th\u1eddi h\u1ea1n s\u1eed d\u1ee5ng \u0111\u1ea5t. (\u2026)\u201d<\/p>\n

2. Tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c vay th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf t\u1ea1i ng\u00e2n h\u00e0ng nh\u01b0 sau:<\/strong>
\nB\u01b0\u1edbc 1:<\/strong> K\u00fd h\u1ee3p \u0111\u1ed3ng vay th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf t\u1ea1i ng\u00e2n h\u00e0ng c\u00f3 c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c
\nC\u00e1c b\u00ean: b\u00ean vay v\u00e0 b\u00ean cho vay k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf (hay l\u00e0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t), c\u00f3 c\u00f4ng ch\u1ee9ng ch\u1ee9ng th\u1ef1c theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n

B\u01b0\u1edbc 2:<\/strong> N\u1ed9p h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf t\u1ea1i chi nh\u00e1nh v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ho\u1eb7c v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai (\u0111\u1ed1i v\u1edbi Gi\u1ea5y ch\u1ee9ng nh\u1eadn trong d\u1ef1 \u00e1n ph\u00e1t tri\u1ec3n nh\u00e0 \u1edf).
\nC\u00e1 nh\u00e2n, h\u1ed9 gia \u0111\u00ecnh \u0111ang s\u1eed d\u1ee5ng \u0111\u1ea5t n\u1ed9p m\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 t\u1ea1i Chi nh\u00e1nh v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai (Ph\u00f2ng t\u00e0i nguy\u00ean m\u00f4i tr\u01b0\u1eddng c\u1ea5p huy\u1ec7n) \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p s\u1ed5 \u0111\u1ecf (quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t) v\u00e0 nh\u1eadn phi\u1ebfu ti\u1ebfp nh\u1eadn v\u00e0 h\u1eb9n tr\u1ea3 k\u1ebft qu\u1ea3 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/p>\n

H\u1ed3 s\u01a1 g\u1ed3m c\u00f3:<\/strong>
\n+ \u0110\u01a1n y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p (M\u1eabu s\u1ed1 01\/\u0110KTC \u2013 b\u1ea3n ch\u00ednh);
\n+ H\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ed3ng th\u1eddi v\u1edbi t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t, c\u00f3 c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c ho\u1eb7c c\u00f3 x\u00e1c nh\u1eadn theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt (01 b\u1ea3n ch\u00ednh);
\n+ Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t (01 b\u1ea3n ch\u00ednh);
\n+ Tr\u01b0\u1eddng h\u1ee3p th\u1ebf ch\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t \u0111\u1ed3ng th\u1eddi v\u1edbi quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf tr\u00ean \u0111\u1ea5t: Gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ph\u1ea3i xin ph\u00e9p x\u00e2y d\u1ef1ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u00f3 c\u00f3 c\u00f4ng ch\u1ee9ng, ch\u1ee9ng th\u1ef1c ho\u1eb7c c\u00f3 x\u00e1c nh\u1eadn ho\u1eb7c t\u00e0i s\u1ea3n \u0111\u00f3 kh\u00f4ng thu\u1ed9c di\u1ec7n ph\u1ea3i xin c\u1ea5p ph\u00e9p x\u00e2y d\u1ef1ng, kh\u00f4ng ph\u1ea3i l\u1eadp d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 (01 b\u1ea3n sao c\u00f3 ch\u1ee9ng th\u1ef1c)
\nV\u0103n b\u1ea3n u\u1ef7 quy\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n (01 b\u1ea3n sao c\u00f3 ch\u1ee9ng th\u1ef1c), tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd xu\u1ea5t tr\u00ecnh b\u1ea3n ch\u00ednh V\u0103n b\u1ea3n \u1ee7y quy\u1ec1n th\u00ec ch\u1ec9 c\u1ea7n n\u1ed9p 01 b\u1ea3n sao \u0111\u1ec3 \u0111\u1ed1i chi\u1ebfu.<\/p>\n

B\u01b0\u1edbc 3:<\/strong> Chi nh\u00e1nh v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ho\u1eb7c v\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c sau:
\nSau khi nh\u1eadn h\u1ed3 s\u01a1 y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd, Chi nh\u00e1nh V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ho\u1eb7c V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ki\u1ec3m tra h\u1ed3 s\u01a1 y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p c\u00f3 c\u0103n c\u1ee9 t\u1eeb ch\u1ed1i \u0111\u0103ng k\u00fd theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 11 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 83\/2010\/N\u0110-CP th\u00ec Chi nh\u00e1nh V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ho\u1eb7c V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai t\u1eeb ch\u1ed1i \u0111\u0103ng k\u00fd b\u1eb1ng v\u0103n b\u1ea3n v\u00e0 chuy\u1ec3n h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd, v\u0103n b\u1ea3n t\u1eeb ch\u1ed1i \u0111\u0103ng k\u00fd cho b\u1ed9 ph\u1eadn ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 \u0111\u1ec3 tr\u1ea3 l\u1ea1i h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd v\u00e0 h\u01b0\u1edbng d\u1eabn ng\u01b0\u1eddi y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 t\u1eeb ch\u1ed1i \u0111\u0103ng k\u00fd th\u00ec trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh, Chi nh\u00e1nh V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ho\u1eb7c V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p, \u0111\u0103ng k\u00fd thay \u0111\u1ed5i, \u0111\u0103ng k\u00fd v\u0103n b\u1ea3n th\u00f4ng b\u00e1o v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c sau \u0111\u00e2y: ghi n\u1ed9i dung \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p v\u00e0o Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t; v\u00e0o S\u1ed5 \u0110\u1ecba ch\u00ednh, S\u1ed5 theo d\u00f5i bi\u1ebfn \u0111\u1ed9ng \u0111\u1ea5t \u0111ai theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;<\/p>\n

B\u01b0\u1edbc 4:<\/strong> Nh\u1eadn k\u1ebft qu\u1ea3 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh
\nNg\u01b0\u1eddi \u0111\u0103ng k\u00fd nh\u1eadn k\u1ebft qu\u1ea3 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh theo ng\u00e0y \u0111\u01b0\u1ee3c ghi tr\u00ean phi\u1ebfu h\u1eb9n tr\u1ea3 k\u1ebft qu\u1ea3.<\/p>\n

Th\u1eddi gian th\u1ef1c hi\u1ec7n:<\/strong> kh\u00f4ng qu\u00e1 03 ng\u00e0y l\u00e0m vi\u1ec7c.
\nL\u01b0u \u00fd: m\u1ed9t s\u1ed1 lo\u1ea1i ph\u00ed ph\u1ea3i n\u1ed9p (t\u00f9y thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh thu ph\u00ed c\u1ee7a t\u1eebng t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c trung \u01b0\u01a1ng): L\u1ec7 ph\u00ed \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m. V\u00e0 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thu\u1eadn ti\u1ec7n cho c\u00e1c giao d\u1ecbch c\u0169ng nh\u01b0 tr\u00e1nh c\u00e1c tranh ch\u1ea5p kh\u00f4ng c\u1ea7n thi\u1ebft, sau khi \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o b\u1ea3o \u0111\u1ea3m cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p th\u00ec ng\u00e2n h\u00e0ng th\u01b0\u1eddng s\u1ebd gi\u1eef gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t c\u1ee7a ng\u01b0\u1eddi \u0111i vay; tr\u1ea3 l\u1ea1i cho ng\u01b0\u1eddi \u0111i vay khi h\u1ecd \u0111\u00e3 ho\u00e0n th\u00e0nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

\u00bb T\u01b0 v\u1ea5n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p d\u00e2n s\u1ef1<\/a><\/p>\n

\u00bb T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p vay ng\u00e2n h\u00e0ng b\u1eb1ng quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, quy\u1ebfn s\u1edf h\u1eefu nh\u00e0. Sau \u0111\u00e2y l\u00e0 tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng b\u1eb1ng quy\u1ec1n d\u1ee5ng \u0111\u1ea5t (s\u1ed5 \u0111\u1ecf), quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u0111\u1ec3 qu\u00fd v\u1ee5 c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng. 1. C\u0103n c\u1ee9 ph\u00e1p l\u00fd: + […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/10557"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=10557"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/10557\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=10557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=10557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=10557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}