{"id":25285,"date":"2016-12-12T22:39:00","date_gmt":"2016-12-12T15:39:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=25285"},"modified":"2022-01-03T16:43:10","modified_gmt":"2022-01-03T09:43:10","slug":"cho-vay-cam-do-lai-suat-cao-co-bi-xu-ly-hinh-su-khong","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/cho-vay-cam-do-lai-suat-cao-co-bi-xu-ly-hinh-su-khong\/","title":{"rendered":"Cho vay c\u1ea7m \u0111\u1ed3 l\u00e3i su\u1ea5t cao c\u00f3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 kh\u00f4ng?"},"content":{"rendered":"\n

Cho vay c\u1ea7m \u0111\u1ed3 l\u00e3i su\u1ea5t cao c\u00f3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 kh\u00f4ng? Anh t\u00f4i mang b\u1eb1ng \u0110\u1ea1i h\u1ecdc \u0111i c\u1ea7m c\u1ed1 t\u1ea1i m\u1ed9t c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 \u0111\u1ec3 vay 50 tri\u1ec7u, l\u00e3i su\u1ea5t 4.500 \u0111\u1ed3ng\/1.000.000 \u0111\u1ed3ng\/ng\u00e0y.<\/p>\n

Do l\u00e0m \u0103n thua l\u1ed7, anh t\u00f4i kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n nh\u01b0 th\u1ecfa thu\u1eadn. Khi bi\u1ebft chuy\u1ec7n t\u00f4i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 th\u00ec h\u1ecd y\u00eau c\u1ea7u tr\u1ea3 \u0111\u1ee7 s\u1ed1 ti\u1ec1n g\u1ed1c, l\u00e3i v\u00e0 c\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n ph\u1ea1t.<\/p>\n

T\u00f4i bi\u1ebft m\u1ee9c l\u00e3i su\u1ea5t nh\u01b0 tr\u00ean l\u00e0 qu\u00e1 cao. N\u1ebfu anh t\u00f4i t\u1ed1 c\u00e1o, c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 hay kh\u00f4ng?<\/p>\n

Cho vay c\u1ea7m \u0111\u1ed3 l\u00e3i su\u1ea5t cao c\u00f3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 kh\u00f4ng?<\/strong><\/h2>\n

T\u01b0 v\u1ea5n:<\/strong><\/p>\n

Theo l\u1eddi k\u1ec3 c\u1ee7a b\u1ea1n th\u00ec gi\u1eefa anh b\u1ea1n v\u00e0 c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 \u0111\u00e3 x\u00e1c l\u1eadp quan h\u1ec7 vay t\u00e0i s\u1ea3n, c\u00f3 l\u00e3i su\u1ea5t.<\/p>\n

H\u1ee3p \u0111\u1ed3ng<\/b> va<\/b>y<\/b> t\u00e0i s\u1ea3n<\/b>\u00a0theo \u0110i\u1ec1u 463 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh:<\/strong>
\u201c\u0110i\u1ec1u 463. H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n<\/b>
H\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean cho vay giao t\u00e0i s\u1ea3n cho b\u00ean vay; khi \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 v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh\u201d.<\/em><\/p>\n

\u0110\u1ed3ng th\u1eddi, hai b\u00ean \u0111\u00e3 th\u1ecfa thu\u1eadn c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 ti\u1ec1n vay th\u00f4ng qua vi\u1ec7c anh b\u1ea1n chuy\u1ec3n cho c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 gi\u1eef B\u1eb1ng Ti\u1ebfn s\u0129 c\u1ee7a m\u00ecnh.<\/p>\n

C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n, theo \u0110i\u1ec1u 309 c\u1ee7a BLDS 2015:<\/strong><\/p>\n

\u201c<\/em>\u0110i\u1ec1u 309. C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n<\/b><\/em><\/p>\n

C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c m\u1ed9t b\u00ean (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean c\u1ea7m c\u1ed1) giao t\u00e0i s\u1ea3n thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a m\u00ecnh cho b\u00ean kia (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean nh\u1eadn c\u1ea7m c\u1ed1) \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5\u201d.<\/em><\/p>\n

H\u1ee3p \u0111\u1ed3ng c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u1eddi \u0111i\u1ec3m giao k\u1ebft, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c. C\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ed1i kh\u00e1ng v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m b\u00ean nh\u1eadn c\u1ea7m c\u1ed1 n\u1eafm gi\u1eef t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1.<\/p>\n

V\u1ec1 nguy\u00ean t\u1eafc, khi \u0111\u1ebfn h\u1ea1n theo th\u1ecfa thu\u1eadn, anh b\u1ea1n ph\u1ea3i tr\u1ea3 n\u1ee3 vay, l\u00e3i su\u1ea5t v\u00e0 c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n c\u1ea7m c\u1ed1 cho anh b\u1ea1n. Qu\u00e1 th\u1eddi h\u1ea1n n\u00e0y m\u00e0 ch\u01b0a tr\u1ea3 n\u1ee3, anh b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 cho c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n. V\u00ec, \u0110i\u1ec1u 466 B\u1ed9 lu\u1eadt n\u00e0y quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay nh\u01b0 sau:<\/p>\n

\u201c\u0110i\u1ec1u 466. Ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a b\u00ean vay<\/b><\/em><\/p>\n

1. B\u00ean vay t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n th\u00ec ph\u1ea3i tr\u1ea3 \u0111\u1ee7 ti\u1ec1n khi \u0111\u1ebfn h\u1ea1n; n\u1ebfu t\u00e0i s\u1ea3n l\u00e0 v\u1eadt th\u00ec ph\u1ea3i tr\u1ea3 v\u1eadt c\u00f9ng lo\u1ea1i \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.<\/em><\/p>\n

2. Tr\u01b0\u1eddng h\u1ee3p b\u00ean vay kh\u00f4ng th\u1ec3 tr\u1ea3 v\u1eadt th\u00ec c\u00f3 th\u1ec3 tr\u1ea3 b\u1eb1ng ti\u1ec1n theo tr\u1ecb gi\u00e1 c\u1ee7a v\u1eadt \u0111\u00e3 vay t\u1ea1i \u0111\u1ecba \u0111i\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, n\u1ebfu \u0111\u01b0\u1ee3c b\u00ean cho vay \u0111\u1ed3ng \u00fd.<\/em><\/p>\n

3. \u0110\u1ecba \u0111i\u1ec3m tr\u1ea3 n\u1ee3 l\u00e0 n\u01a1i c\u01b0 tr\u00fa ho\u1eb7c n\u01a1i \u0111\u1eb7t tr\u1ee5 s\u1edf c\u1ee7a b\u00ean cho vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.<\/em><\/p>\n

4. Tr\u01b0\u1eddng h\u1ee3p vay kh\u00f4ng c\u00f3 l\u00e3i m\u00e0 khi \u0111\u1ebfn h\u1ea1n b\u00ean vay kh\u00f4ng tr\u1ea3 n\u1ee3 ho\u1eb7c tr\u1ea3 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 th\u00ec b\u00ean cho vay c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n l\u00e3i v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y tr\u00ean s\u1ed1 ti\u1ec1n ch\u1eadm tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u1eadm tr\u1ea3, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c ho\u1eb7c lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/em><\/p>\n

5. 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 nh\u01b0 sau:<\/em><\/p>\n

a) L\u00e3i tr\u00ean n\u1ee3 g\u1ed1c theo l\u00e3i su\u1ea5t th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n vay m\u00e0 \u0111\u1ebfn h\u1ea1n ch\u01b0a tr\u1ea3; tr\u01b0\u1eddng h\u1ee3p ch\u1eadm tr\u1ea3 th\u00ec c\u00f2n ph\u1ea3i tr\u1ea3 l\u00e3i theo m\u1ee9c l\u00e3i su\u1ea5t quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y;<\/em><\/p>\n

b) L\u00e3i tr\u00ean n\u1ee3 g\u1ed1c qu\u00e1 h\u1ea1n ch\u01b0a tr\u1ea3 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 th\u1ecfa thu\u1eadn kh\u00e1c\u201d.<\/em><\/p>\n

Do v\u1eady, ph\u00e1p lu\u1eadt t\u00f4n tr\u1ecdng th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean tham gia quan h\u1ec7 d\u00e2n s\u1ef1, bao g\u1ed3m quan h\u1ec7 cho vay v\u00e0 quan h\u1ec7 c\u1ea7m c\u1ed1 t\u00e0i s\u1ea3n. Tuy nhi\u00ean, \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u qu\u1ea3n l\u00fd v\u00e0 tr\u1eadt t\u1ef1 x\u00e3 h\u1ed9i. Ch\u00ednh v\u00ec v\u1eady, l\u00e3i su\u1ea5t cho vay c\u0169ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, gi\u1edbi h\u1ea1n t\u1ed1i \u0111a m\u00e0 c\u00e1c b\u00ean kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn v\u01b0\u1ee3t qu\u00e1 t\u1ea1i \u0110i\u1ec1u 468 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y. \u0110\u00f3 l\u00e0:<\/p>\n

\u201c\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><\/p>\n

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<\/span>, 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.<\/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.<\/em><\/p>\n

2. 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<\/span> t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3\u201d.<\/em><\/p>\n

Theo t\u00ednh to\u00e1n c\u1ee7a ch\u00fang t\u00f4i, ch\u01b0a t\u00ednh ph\u1ea7n ph\u1ea1t vi ph\u1ea1m, m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 anh b\u1ea1n v\u00e0 c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 th\u1ecfa thu\u1eadn khi vay ti\u1ec1n l\u00e0 4.500 \u0111\u1ed3ng\/1.000.000 \u0111\u1ed3ng\/ng\u00e0y, t\u01b0\u01a1ng \u1ee9ng v\u1edbi 164,25%\/n\u0103m. M\u1eb7c d\u00f9 l\u00e0 th\u1ecfa thu\u1eadn gi\u1eefa hai b\u00ean, nh\u01b0ng th\u1ecfa thu\u1eadn n\u00e0y \u0111\u00e3 vi ph\u1ea1m quy \u0111\u1ecbnh<\/span>
\u201ckh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay\u201d n\u00eau tr\u00ean.
\u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, hai b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn l\u1ea1i v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t. N\u1ebfu c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111i\u1ec1u ch\u1ec9nh m\u00e0 ti\u1ebfp t\u1ee5c y\u00eau c\u1ea7u anh b\u1ea1n ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t nh\u01b0 \u0111\u00e3 th\u1ecfa thu\u1eadn tr\u01b0\u1edbc \u0111\u00f3, h\u00e0nh vi c\u1ee7a b\u00ean cho vay c\u1ea7m \u0111\u1ed3 c\u00f3 th\u1ec3 b\u1ecb x\u1eed l\u00fd v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng<\/span> trong giao d\u1ecbch d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 201 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 n\u0103m 2015 nh\u01b0 sau:<\/p>\n

\u201c\u0110i\u1ec1u 201. T\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1<\/span><\/b><\/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<\/strong> tr\u1edf l\u00ean 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<\/strong>.<\/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

\u00bb Cho vay n\u1eb7ng l\u00e3i c\u00f3 b\u1ecb truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 kh\u00f4ng?<\/a><\/p>\n

\u00bb B\u1ea3n \u00e1n v\u1ec1 t\u1ed9i cho vay l\u00e3i n\u1eb7ng trong giao d\u1ecbch d\u00e2n s\u1ef1<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Cho vay c\u1ea7m \u0111\u1ed3 l\u00e3i su\u1ea5t cao c\u00f3 b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1 kh\u00f4ng? Anh t\u00f4i mang b\u1eb1ng \u0110\u1ea1i h\u1ecdc \u0111i c\u1ea7m c\u1ed1 t\u1ea1i m\u1ed9t c\u1eeda h\u00e0ng c\u1ea7m \u0111\u1ed3 \u0111\u1ec3 vay 50 tri\u1ec7u, l\u00e3i su\u1ea5t 4.500 \u0111\u1ed3ng\/1.000.000 \u0111\u1ed3ng\/ng\u00e0y. Do l\u00e0m \u0103n thua l\u1ed7, anh t\u00f4i kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00fang h\u1ea1n nh\u01b0 th\u1ecfa thu\u1eadn. Khi bi\u1ebft […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[196],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/25285"}],"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=25285"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/25285\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=25285"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=25285"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=25285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}