{"id":11365,"date":"2018-01-02T09:50:36","date_gmt":"2018-01-02T02:50:36","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=11365"},"modified":"2023-10-19T20:03:12","modified_gmt":"2023-10-19T13:03:12","slug":"pham-toi-cho-vay-nang-lai-voi-lai-suat-cho-vay-la-bao-nhieu","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/pham-toi-cho-vay-nang-lai-voi-lai-suat-cho-vay-la-bao-nhieu\/","title":{"rendered":"Ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i v\u1edbi l\u00e3i su\u1ea5t l\u00e0 bao nhi\u00eau?"},"content":{"rendered":"\n

Ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i v\u1edbi l\u00e3i su\u1ea5t cho vay l\u00e0 bao nhi\u00eau? T\u00f4i \u0111\u1ecbnh \u0111i vay ti\u1ec1n v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t do ch\u1ee7 n\u1ee3 \u0111\u01b0a ra l\u00e0 3,5%\/ th\u00e1ng. T\u00f4i mu\u1ed1n h\u1ecfi m\u1ee9c l\u00e3i su\u1ea5t t\u00f4i vay nh\u01b0 tr\u00ean c\u00f3 ph\u1ea3i l\u00e0 vay l\u00e3i n\u1eb7ng kh\u00f4ng? L\u00e3i su\u1ea5t bao nhi\u00eau th\u00ec l\u00e0 cho vay l\u00e3i n\u1eb7ng? N\u1ebfu b\u00ean cho vay m\u00e0 t\u00f4i th\u01b0a ra ph\u00e1p lu\u1eadt, th\u00ec h\u1ecd c\u00f3 b\u1ecb t\u1ed9i cho vay n\u1eb7ng l\u00e3i kh\u00f4ng? T\u1ed9i n\u00e0y x\u1eed nh\u01b0 th\u1ebf n\u00e0o theo ph\u00e1p lu\u1eadt? M\u1ecdi ng\u01b0\u1eddi n\u00f3i v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 8,33%\/th\u00e1ng tr\u1edf l\u00ean th\u00ec m\u1edbi ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i ph\u1ea3i kh\u00f4ng?\u00a0<\/span><\/p>\n

\u00bb T\u01b0 v\u1ea5n thu h\u1ed3i n\u1ee3 cho c\u00e1 nh\u00e2n<\/a><\/p>\n

T\u01b0 v\u1ea5n cho vay n\u1eb7ng l\u00e3i v\u1edbi l\u00e3i su\u1ea5t cho vay l\u00e0 bao nhi\u00eau th\u00ec ph\u1ea1m t\u1ed9i?<\/strong><\/h2>\n

1. V\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t cho vay theo quy \u0111\u1ecbnh.<\/strong><\/h3>\n

\u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 2015 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t vay nh\u01b0 sau:<\/p>\n

\u201d\u0110i\u1ec1u 468. L\u00e3i su\u1ea5t<\/b><\/em><\/p>\n

1. L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn.<\/em>
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 20%\/n\u0103m<\/strong> c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c\u2026<\/em><\/p>\n

Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y th\u00ec m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c.\u201d<\/em><\/p>\n

Nh\u01b0 v\u1eady, tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n l\u00e3i su\u1ea5t do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn v\u00e0\u00a0kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1: 20%\/ n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay<\/p>\n

L\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a trung b\u00ecnh 1 th\u00e1ng s\u1ebd l\u00e0: <\/strong>
20% : 12 th\u00e1ng\u00a0= 1,666%\/th\u00e1ng<\/strong><\/p>\n

B\u1ea1n v\u00e0 ph\u00eda b\u00ean cho vay th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t 3,5%\/th\u00e1ng \u0111\u00e3 v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a<\/strong> m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p.\u00a0Khi s\u1ea3y ra tranh ch\u1ea5p\u00a0th\u00ec ph\u00e1p lu\u1eadt\u00a0kh\u00f4ng th\u1eeba nh\u1eadn v\u00e0 kh\u00f4ng b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho b\u00ean cho vay \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 \u0111\u00f3.<\/p>\n

\n2. Khi n\u00e0o ph\u1ea1m t\u1ed9i <\/strong>cho vay l\u00e3i <\/strong>n\u1eb7ng<\/strong>?<\/strong>\n<\/h3>\n

Theo \u0110i\u1ec1u 201 c\u1ea3u B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1 2015, s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2017 quy \u0111\u1ecbnh nh\u01b0 sau:\u00a0<\/p>\n

\u201c\u0110i\u1ec1u 201. T\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1<\/strong><\/em><\/p>\n

1. Ng\u01b0\u1eddi n\u00e0o trong giao d\u1ecbch d\u00e2n s\u1ef1 m\u00e0 cho vay v\u1edbi l\u00e3i su\u1ea5t g\u1ea5p 05 l\u1ea7n tr\u1edf l\u00ean<\/span> c\u1ee7a m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1<\/span>, thu l\u1ee3i b\u1ea5t ch\u00ednh t\u1eeb 30.000.000 \u0111\u1ed3ng \u0111\u1ebfn d\u01b0\u1edbi 100.000.000 \u0111\u1ed3ng ho\u1eb7c \u0111\u00e3 b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi n\u00e0y ho\u1eb7c \u0111\u00e3 b\u1ecb k\u1ebft \u00e1n v\u1ec1 t\u1ed9i n\u00e0y, ch\u01b0a \u0111\u01b0\u1ee3c x\u00f3a \u00e1n t\u00edch m\u00e0 c\u00f2n vi ph\u1ea1m, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 50.000.000 \u0111\u1ed3ng \u0111\u1ebfn 200.000.000 \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t c\u1ea3i t\u1ea1o kh\u00f4ng giam gi\u1eef \u0111\u1ebfn 03 n\u0103m.<\/em><\/p>\n

2, Ph\u1ea1m t\u1ed9i m\u00e0 thu l\u1ee3i b\u1ea5t ch\u00ednh 100.000.000 \u0111\u1ed3ng tr\u1edf l\u00ean, th\u00ec b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 200.000.000 \u0111\u1ed3ng \u0111\u1ebfn 1.000.000.000 \u0111\u1ed3ng ho\u1eb7c ph\u1ea1t t\u00f9 t\u1eeb 06 th\u00e1ng \u0111\u1ebfn 03 n\u0103m.<\/em><\/p>\n

3. Ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i c\u00f2n c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 30.000.000 \u0111\u1ed3ng \u0111\u1ebfn 100.000.000 \u0111\u1ed3ng, c\u1ea5m \u0111\u1ea3m nhi\u1ec7m ch\u1ee9c v\u1ee5, c\u1ea5m h\u00e0nh ngh\u1ec1 ho\u1eb7c l\u00e0m c\u00f4ng vi\u1ec7c nh\u1ea5t \u0111\u1ecbnh t\u1eeb 01 n\u0103m \u0111\u1ebfn 05 n\u0103m.\u201d<\/em><\/p>\n

L\u00e3i su\u1ea5t su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh tr\u00ean th\u00e1ng l\u00e0:<\/strong><\/p>\n

5 l\u1ea7n x 1,666% \u00a0= 8,33%\/ th\u00e1ng<\/strong><\/p>\n

Nh\u01b0 v\u1eady,<\/strong>\u00a0ch\u1ec9 khi m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n l\u00e3i su\u1ea5t cao nh\u1ea5t ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh 5 l\u1ea7n tr\u1edf l\u00ean (t\u1eeb 8,33%\/th\u00e1ng tr\u1edf l\u00ean) th\u00ec m\u1edbi c\u1ea7u th\u00e0nh t\u1ed9i cho vay n\u1eb7ng l\u00e3i<\/span><\/strong> theo ph\u00e1p lu\u1eadt h\u00ecnh s\u1ef1.<\/p>\n

Hi\u1ec7n b\u1ea1n \u0111ang vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 2 b\u00ean th\u1ecfa thu\u1eadn cho vay l\u00e0 3,5%\/th\u00e1ng. ch\u1ec9 g\u1ea5p l\u00e3i su\u1ea5t cao nh\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh l\u00e0 3,5\/1,6= 2,1 l\u1ea7n<\/strong>, cho n\u00ean ph\u00eda cho vay kh\u00f4ng c\u1ea5u th\u00e0nh t\u1ed9i cho vay n\u1eb7ng l\u00e3i<\/span> theo quy \u0111\u1ecbnh l\u00e0 g\u1ea5p 5 l\u1ea7n c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p b\u00ean vay\u00a0kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 v\u00e0 ph\u00eda b\u00ean cho vay kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n th\u00ec ph\u00e1p lu\u1eadt ch\u1ec9 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a b\u00ean cho vay trong ph\u1ea1m vi l\u00e3i su\u1ea5t m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p. Ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7.<\/p>\n

\u00bb T\u1ed9i cho vay l\u00e3i n\u1eb7ng quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1?<\/a><\/p>\n

3. Khi n\u00e0o b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1ec1 h\u00e0nh vi cho vay n\u1eb7ng l\u00e3i?<\/b><\/h3>\n

C\u0103n c\u1ee9 theo \u0110i\u1ec1u 468 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 <\/strong><\/b>quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn:\u00a0<\/p>\n

\u2013 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 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c. C\u0103n c\u1ee9 t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf v\u00e0 theo \u0111\u1ec1 xu\u1ea5t c\u1ee7a Ch\u00ednh ph\u1ee7, \u1ee6y ban th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c l\u00e3i su\u1ea5t n\u00f3i tr\u00ean v\u00e0 b\u00e1o c\u00e1o Qu\u1ed1c h\u1ed9i t\u1ea1i k\u1ef3 h\u1ecdp g\u1ea7n nh\u1ea5t.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n n\u00e0y th\u00ec m\u1ee9c l\u00e3i su\u1ea5t v\u01b0\u1ee3t qu\u00e1 kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n

\u2013 Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 vi\u1ec7c tr\u1ea3 l\u00e3i, nh\u01b0ng kh\u00f4ng x\u00e1c \u0111\u1ecbnh r\u00f5 l\u00e3i su\u1ea5t v\u00e0 c\u00f3 tranh ch\u1ea5p v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng 50% m\u1ee9c l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3.\u00a0<\/p>\n

Theo \u0111i\u1ec3m d kho\u1ea3n 4 \u0110i\u1ec1u 12 Ngh\u1ecb \u0111\u1ecbnh 144\/2021\/N\u0110-CP<\/strong> c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c an ninh, tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i; ph\u00f2ng, ch\u1ed1ng t\u1ec7 n\u1ea1n x\u00e3 h\u1ed9i; ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y; ph\u00f2ng, ch\u1ed1ng b\u1ea1o l\u1ef1c gia \u0111\u00ecnh:<\/p>\n

H\u00e0nh vi kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 cho vay ti\u1ec1n c\u00f3 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n nh\u01b0ng l\u00e3i su\u1ea5t cho vay v\u01b0\u1ee3t qu\u00e1 t\u1ef7 l\u1ec7 l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 10-20 tri\u1ec7u \u0111\u1ed3ng<\/span>.<\/p>\n

Nh\u01b0 v\u1eady,<\/strong> t\u00f9y t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, h\u00e0nh vi cho vay n\u1eb7ng l\u00e3i s\u1ebd b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh theo \u0111i\u1ec3m d kho\u1ea3n 4 \u0110i\u1ec1u 12 Ngh\u1ecb \u0111\u1ecbnh 144\/2021\/N\u0110-CP<\/strong> ho\u1eb7c b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 theo \u0110i\u1ec1u 201 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 2015 n\u00eau tr\u00ean.<\/strong><\/p>\n

4. Cho vay m\u1ee9c l\u00e3i vay 5 ngh\u00ecn\/1 tri\u1ec7u\/1 ng\u00e0y c\u00f3 vi ph\u1ea1m cho vay n\u1eb7ng l\u00e3i kh\u00f4ng?<\/strong><\/h3>\n

Vay v\u1edbi l\u00e3i su\u1ea5t 5 ngh\u00ecn \u0111\u1ed3ng\/1 tri\u1ec7u\/m\u1ed9t ng\u00e0y t\u00ednh ra s\u1ebd l\u00e0 150 ngh\u00ecn \u0111\u1ed3ng\/1 tri\u1ec7u\/1 th\u00e1ng.<\/p>\n

T\u00ednh l\u00e3i su\u1ea5t 1 th\u00e1ng s\u1ebd l\u00e0:\u00a0150 ngh\u00ecn\/1 tri\u1ec7u = 15%\/1 th\u00e1ng<\/strong>.<\/p>\n

M\u1ee9c l\u00e3i su\u1ea5t \u0111\u00e3 v\u01b0\u1ee3t qu\u00e1 l\u00e3i su\u1ea5t t\u1ed1i \u0111a cho ph\u00e9p l\u00e0 8,33%\/ th\u00e1ng. <\/strong>V\u00ec v\u1eady, h\u00e0nh vi cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 5 ngh\u00ecn \u0111\u1ed3ng\/1 tri\u1ec7u\/m\u1ed9t ng\u00e0y l\u00e0 cho vay n\u1eb7ng l\u00e3i.\u00a0<\/p>\n

5. X\u1eed l\u00fd v\u1eadt, ti\u1ec1n li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u1ed9i ph\u1ea1m<\/strong><\/h3>\n

T\u1ea1i \u0110i\u1ec1u 5. Ngh\u1ecb quy\u1ebft 01\/2021\/NQ-H\u0110TP v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1 quy \u0111\u1ecbnh:\u00a0<\/p>\n

\u201c1. T\u1ecbch thu sung qu\u1ef9 nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi:<\/strong><\/em><\/p>\n

a) Kho\u1ea3n ti\u1ec1n, t\u00e0i s\u1ea3n kh\u00e1c ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i d\u00f9ng \u0111\u1ec3 cho vay<\/u>;<\/em><\/p>\n

b) Ti\u1ec1n l\u00e3i t\u01b0\u01a1ng \u1ee9ng m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 m\u00e0 ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i \u0111\u00e3 thu c\u1ee7a ng\u01b0\u1eddi vay<\/u>.<\/em><\/p>\n

c) Ti\u1ec1n, t\u00e0i s\u1ea3n kh\u00e1c m\u00e0 ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i c\u00f3 th\u00eam \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n l\u00e3i<\/u> v\u00e0 c\u00e1c kho\u1ea3n thu b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c.<\/em><\/p>\n

2. Tr\u1ea3 l\u1ea1i cho ng\u01b0\u1eddi vay<\/u> ti\u1ec1n thu l\u1ee3i b\u1ea5t ch\u00ednh m\u00e0 ng\u01b0\u1eddi ph\u1ea1m t\u1ed9i th\u1ef1c t\u1ebf \u0111\u00e3 thu<\/u>, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay s\u1eed d\u1ee5ng ti\u1ec1n vay v\u00e0o m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p (nh\u01b0 \u0111\u00e1nh b\u1ea1c, mua b\u00e1n tr\u00e1i ph\u00e9p ch\u1ea5t ma t\u00fay, l\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n, \u2026) th\u00ec kho\u1ea3n ti\u1ec1n thu l\u1ee3i b\u1ea5t ch\u00ednh b\u1ecb t\u1ecbch thu sung qu\u1ef9 nh\u00e0 n\u01b0\u1edbc.\u201d<\/em><\/p>\n

\u00bb Ngh\u1ecb quy\u1ebft 01\/2021\/NQ-H\u0110TP v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1<\/a><\/p>\n

\u00bb Lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n lu\u1eadt h\u00ecnh s\u1ef1<\/a><\/p>\n

Lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 thu h\u1ed3i n\u01a1i, kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3:<\/p>\n","protected":false},"excerpt":{"rendered":"

Ph\u1ea1m t\u1ed9i cho vay n\u1eb7ng l\u00e3i v\u1edbi l\u00e3i su\u1ea5t cho vay l\u00e0 bao nhi\u00eau? T\u00f4i \u0111\u1ecbnh \u0111i vay ti\u1ec1n v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t do ch\u1ee7 n\u1ee3 \u0111\u01b0a ra l\u00e0 3,5%\/ th\u00e1ng. T\u00f4i mu\u1ed1n h\u1ecfi m\u1ee9c l\u00e3i su\u1ea5t t\u00f4i vay nh\u01b0 tr\u00ean c\u00f3 ph\u1ea3i l\u00e0 vay l\u00e3i n\u1eb7ng kh\u00f4ng? L\u00e3i su\u1ea5t bao nhi\u00eau th\u00ec l\u00e0 cho […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[171],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/11365"}],"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=11365"}],"version-history":[{"count":39,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/11365\/revisions"}],"predecessor-version":[{"id":40466,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/11365\/revisions\/40466"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=11365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=11365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=11365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}