{"id":26526,"date":"2015-02-14T15:04:00","date_gmt":"2015-02-14T08:04:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=26526"},"modified":"2021-02-14T15:19:28","modified_gmt":"2021-02-14T08:19:28","slug":"quy-dinh-ve-vay-tin-chap-ngan-hang-la-gi","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/quy-dinh-ve-vay-tin-chap-ngan-hang-la-gi\/","title":{"rendered":"Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?"},"content":{"rendered":"\n

Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? Vay t\u00edn ch\u1ea5p kh\u00e1c v\u1edbi vay th\u1ebf ch\u1ea5p, vay t\u00edn ch\u1ea5p hi\u1ec7n nay r\u1ea5t ph\u1ed5 bi\u1ebfn. V\u00ec vay t\u00edn ch\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00ean vay t\u00edn ch\u1ea5p th\u01b0\u1eddng c\u00f3 l\u00e3i su\u1ea5t cao nh\u01b0ng th\u1ee7 t\u1ee5c kh\u00e1 \u0111\u01a1n gi\u1ea3n.<\/p>\n

\n

Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng hi\u1ec7n nay?<\/h2>\n

\u00bb C\u00e1c h\u00ecnh th\u1ee9c c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/a><\/p>\n

1. Kh\u00e1i ni\u1ec7m v\u1ec1 vay t\u00edn ch\u1ea5p<\/strong><\/h3>\n

Vay t\u00edn ch\u1ea5pkh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef ph\u00e1p l\u00fd. \u0110\u00e2y l\u00e0 c\u00e1ch n\u00f3i th\u00f4ng th\u01b0\u1eddng c\u1ee7a ng\u01b0\u1eddi d\u00e2n. V\u00ec th\u1ebf, kh\u00e1i ni\u1ec7m n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. <\/p>\n

Theo c\u00e1ch hi\u1ec3u th\u00f4ng th\u01b0\u1eddng, vay t\u00edn ch\u1ea5p l\u00e0 h\u00ecnh th\u1ee9c cho vay v\u1ed1n kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. \u0110\u01a1n v\u1ecb x\u00e9t duy\u1ec7t kho\u1ea3n vay d\u1ef1a v\u00e0o uy t\u00edn v\u00e0 m\u1ee9c thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi vay; l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a h\u1ecd\u2026<\/p>\n

Nh\u01b0 v\u1eady,<\/strong> c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01a1n gi\u1ea3n, vay t\u00edn ch\u1ea5p l\u00e0 h\u00ecnh th\u1ee9c cho vay kh\u00f4ng c\u1ea7n t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o, d\u1ef1a ho\u00e0n to\u00e0n v\u00e0o uy t\u00edn c\u1ee7a c\u00e1 nh\u00e2n v\u1ec1 n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho c\u00e1c m\u1ee5c \u0111\u00edch c\u00e1 nh\u00e2n.<\/p>\n

Vay t\u00edn ch\u1ea5p c\u0169ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e9t duy\u1ec7t trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng\u2026<\/p>\n

Theo \u0111\u1ecbnh ngh\u0129a t\u1ea1i\u00a0kho\u1ea3n 1 \u0110i\u1ec1u 3 Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN:<\/strong><\/p>\n

\u201c1. Cho vay ti\u00eau d\u00f9ng l\u00e0 vi\u1ec7c c\u00f4ng ty t\u00e0i ch\u00ednh cho vay b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n mua, s\u1eed d\u1ee5ng h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng, gia \u0111\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00f3\u2026\u201d<\/em><\/p>\n

2. L\u00e3i su\u1ea5t khi vay t\u00edn ch\u1ea5p<\/strong><\/h3>\n

Vay t\u00edn ch\u1ea5p gi\u1eefa ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi ng\u01b0\u1eddi vay kh\u00f4ng ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh b\u1edfi quy \u0111\u1ecbnh v\u1ec1 l\u00e3i vay c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 b\u1edfi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Theo Th\u00f4ng t\u01b0 39\/2016\/TT-NHNN\u00a0quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t cho vay theo cung c\u1ea7u v\u1ed1n th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u vay v\u1ed1n\u00a0v\u00e0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng<\/strong>, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam c\u00f3 quy \u0111\u1ecbnh v\u1ec1 l\u00e3i su\u1ea5t cho vay t\u1ed1i \u0111a \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c (nh\u01b0 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n; th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng \u00e1n kinh doanh h\u00e0ng xu\u1ea5t kh\u1ea9u; ph\u1ee5c v\u1ee5 kinh doanh c\u1ee7a doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba\u2026).<\/p>\n

Th\u00f4ng th\u01b0\u1eddng, b\u1edfi nh\u1eefng r\u1ee7i ro do vay t\u00edn ch\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m mang l\u1ea1i r\u1ea5t cao n\u00ean l\u00e3i su\u1ea5t cho vay t\u00edn ch\u1ea5p c\u0169ng cao h\u01a1n vay th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, m\u1ee9c l\u00e3i c\u1ee5 th\u1ec3 l\u00e0 bao nhi\u00eau ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh; ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ecfa thu\u1eadn v\u1edbi b\u00ean vay v\u00e0 m\u1ee9c \u0111\u1ed9 uy t\u00edn c\u1ee7a ng\u01b0\u1eddi vay\u2026<\/p>\n

Theo kho\u1ea3n 2 \u0110i\u1ec1u 9 Th\u00f4ng t\u01b0 43\/2016\/TT-NHNN, c\u00f4ng ty t\u00e0i ch\u00ednh ban h\u00e0nh quy \u0111\u1ecbnh v\u1ec1 khung l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t trong to\u00e0n h\u1ec7 th\u1ed1ng trong t\u1eebng th\u1eddi k\u1ef3, trong \u0111\u00f3 bao g\u1ed3m m\u1ee9c l\u00e3i su\u1ea5t cho vay cao nh\u1ea5t, m\u1ee9c l\u00e3i su\u1ea5t cho vay th\u1ea5p nh\u1ea5t \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ea3n ph\u1ea9m cho vay ti\u00eau d\u00f9ng.
\u00a0<\/p>\n

3. Vay t\u00edn ch\u1ea5p \u1edf \u0111\u00e2u? B\u1eb1ng c\u00e1ch n\u00e0o?<\/strong><\/h3>\n

Hi\u1ec7n nay, r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng vay t\u00edn ch\u1ea5p. C\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn: ACB, ANZ, Citibank, HSBC, Maritime Bank, Standard Chartered, Techcombank, VPBank, FE Credit, Easy Credit, Lotte Finance\u2026<\/p>\n

C\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c vay t\u00edn ch\u1ea5p nh\u01b0:<\/strong><\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo l\u01b0\u01a1ng;<\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo s\u1ed5 h\u1ed9 kh\u1ea9u;<\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo \u0111\u0103ng k\u00fd xe;<\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m;<\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo sim;<\/p>\n

\u2013 Vay t\u00edn ch\u1ea5p theo h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc\u2026<\/p>\n

\u0110\u1ec3 \u0111\u01b0\u1ee3c vay t\u00edn ch\u1ea5p, ng\u01b0\u1eddi vay li\u00ean h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn cung c\u1ea5p c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. B\u1edfi m\u1ed7i ng\u00e2n h\u00e0ng, c\u00f4ng ty t\u00e0i ch\u00ednh, v\u1edbi m\u1ed7i g\u00f3i vay kh\u00e1c nhau s\u1ebd y\u00eau c\u1ea7u c\u00e1c gi\u1ea5y t\u1edd kh\u00f4ng gi\u1ed1ng nhau.<\/p>\n

VD, n\u1ebfu c\u1ea7n vay qua l\u01b0\u01a1ng, ng\u01b0\u1eddi vay ch\u1ee7 y\u1ebfu c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd sau:<\/p>\n

\u2013 Ch\u1ee9ng minh nh\u00e2n d\u00e2n\/ Th\u1ebb C\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n\/H\u1ed9 chi\u1ebfu c\u00f2n hi\u1ec7u l\u1ef1c;<\/p>\n

\u2013 S\u1ed5 h\u1ed9 kh\u1ea9u\/ Gi\u1ea5y ph\u00e9p l\u00e1i xe;<\/p>\n

\u2013 H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng\/ X\u00e1c nh\u1eadn nh\u00e2n s\u1ef1\/ Quy\u1ebft \u0111\u1ecbnh bi\u00ean ch\u1ebf;<\/p>\n

\u2013 Sao k\u00ea l\u01b0\u01a1ng\/ X\u00e1c nh\u1eadn l\u01b0\u01a1ng;<\/p>\n

\u2013 Gi\u1ea5y \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n;<\/p>\n

\u2013 Ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n. <\/p>\n

\u00bb Lu\u1eadt s\u01b0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1ea3o l\u00e3nh vay v\u1ed1n Ng\u00e2n h\u00e0ng<\/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<\/div>\n","protected":false},"excerpt":{"rendered":"

Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? Vay t\u00edn ch\u1ea5p kh\u00e1c v\u1edbi vay th\u1ebf ch\u1ea5p, vay t\u00edn ch\u1ea5p hi\u1ec7n nay r\u1ea5t ph\u1ed5 bi\u1ebfn. V\u00ec vay t\u00edn ch\u1ea5p kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00ean vay t\u00edn ch\u1ea5p th\u01b0\u1eddng c\u00f3 l\u00e3i su\u1ea5t cao nh\u01b0ng th\u1ee7 t\u1ee5c kh\u00e1 \u0111\u01a1n gi\u1ea3n. Quy \u0111\u1ecbnh v\u1ec1 vay […]<\/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\/26526"}],"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=26526"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/26526\/revisions"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=26526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=26526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=26526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}