{"id":28132,"date":"2015-07-28T07:07:00","date_gmt":"2015-07-28T00:07:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=28132"},"modified":"2021-09-06T19:27:03","modified_gmt":"2021-09-06T12:27:03","slug":"mau-don-xin-gian-no-ngan-hang","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/mau-don-xin-gian-no-ngan-hang\/","title":{"rendered":"M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng"},"content":{"rendered":"\n<p>M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng v\u1edbi nhi\u1ec1u l\u00fd do kh\u1ea5t n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay, nh\u01b0 th\u1eddi gian g\u1ea7n \u0111\u00e2y do ch\u1ecbu \u1ea3nh h\u01b0\u1edfng d\u1ecbch b\u1ec7nh covid 19, t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh l\u00e0m \u1ea3nh h\u01b0\u1eddng \u0111\u1ebfn thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 chi tr\u1ea3 th\u00ec c\u00f3 th\u1ec3 l\u00e0m \u0111\u01a1n xin ho\u00e3n tr\u1ea3 n\u1ee3 g\u1eedi cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u01a1i ng\u01b0\u1eddi vay theo m\u1eabu \u0111\u01a1n sau:<\/p>\n<p>M\u1ee5c l\u1ee5c:<br>1. Gia h\u1ea1n n\u1ee3 l\u00e0 g\u00ec? <br>2. M\u1eabu \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb gia h\u1ea1n n\u1ee3 ng\u00e2n h\u00e0ng th\u00f4ng d\u1ee5ng. <br>3. M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng do d\u1ecbch b\u1ec7nh covid 19.<\/p>\n<h2>1. Gia h\u1ea1n n\u1ee3 l\u00e0 g\u00ec, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c gia h\u1ea1n?<\/h2>\n<p><strong>1.1. Gia h\u1ea1n n\u1ee3 l\u00e0<\/strong> vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ch\u1ea5p thu\u1eadn k\u00e9o d\u00e0i th\u00eam m\u1ed9t kho\u1ea3ng th\u1eddi gian tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i ti\u1ec1n vay, v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n cho vay \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/p>\n<p>Gia h\u1ea1n n\u1ee3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 m\u1ed9t trong c\u00e1c bi\u1ec7n ph\u00e1p x\u1eed l\u00fd r\u1ee7i ro c\u1ee7a c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n<p><span lang=\"VI\">C\u01a1 c<\/span>\u1ea5<span lang=\"VI\">u n\u1ee3<\/span><span lang=\"VI\"> l\u00e0 vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 ho\u1eb7c gia h\u1ea1n n\u1ee3 \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 (g\u1ed1c, l\u00e3i) c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<p><span lang=\"VI\">\u0110i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e0 vi\u1ec7c Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng ch\u1ea5p thu\u1eadn thay \u0111\u1ed5i c\u00e1c k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 (g\u1ed1c, l\u00e3i) \u0111\u00e3 th\u1ecfa thu\u1eadn tr\u01b0\u1edbc \u0111\u00f3 trong H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd m\u00e0 kh\u00f4ng thay \u0111\u1ed5i th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c.<\/span><\/p>\n<p><strong>1.2. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 t\u00edn d\u1ee5ng <\/strong>khi kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro do m\u1ed9t trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p Theo kho\u1ea3n 1, 3 v\u00e0 4 \u0110i\u1ec1u 7 Th\u00f4ng t\u01b0 57\/2019\/TT-BTC, m\u1ed9t trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 l\u00e0 thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3. \u0110\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 l\u00e0 ng\u01b0\u1eddi thu\u1ed9c m\u1ed9t trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n<ul>\n<li>Kh\u00e1ch h\u00e0ng b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i ch\u00ednh, t\u00e0i s\u1ea3n do thi\u00ean tai, m\u1ea5t m\u00f9a, d\u1ecbch b\u1ec7nh, h\u1ecfa ho\u1ea1n, r\u1ee7i ro ch\u00ednh tr\u1ecb, chi\u1ebfn tranh g\u00e2y ra \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (g\u1ed1c, l\u00e3i) \u0111\u00fang h\u1ea1n theo H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd.<\/li>\n<li>Nh\u00e0 n\u01b0\u1edbc thay \u0111\u1ed5i ch\u00ednh s\u00e1ch l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (g\u1ed1c, l\u00e3i) \u0111\u00fang h\u1ea1n theo H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd.<\/li>\n<li>Kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro do nguy\u00ean nh\u00e2n kh\u00e1ch quan kh\u00e1c \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (g\u1ed1c, l\u00e3i) \u0111\u00fang h\u1ea1n theo H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd.<\/li>\n<\/ul>\n<p><strong><span id=\"3_Dieu_kien_xem_xet_gia_han_no\">1.3. \u0110i\u1ec1u ki\u1ec7n xem x\u00e9t gia h\u1ea1n n\u1ee3.<\/span><\/strong><\/p>\n<p>Theo Kho\u1ea3n 2 \u0110i\u1ec1u 11 Th\u00f4ng t\u01b0 57\/2019\/TT-BTC,\u00a0\u0111\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3, c\u1ea7n ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:<\/p>\n<ul>\n<li>Thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c xem x\u00e9t gia h\u1ea1n n\u1ee3;<\/li>\n<li>G\u1eb7p kh\u00f3 kh\u0103n trong ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh. D\u1eabn \u0111\u1ebfn kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (g\u1ed1c, l\u00e3i) \u0111\u00fang h\u1ea1n theo H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd;<\/li>\n<li>C\u00f3 ph\u01b0\u01a1ng \u00e1n s\u1ea3n xu\u1ea5t kinh doanh v\u00e0 ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 kh\u1ea3 thi sau khi \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3;<\/li>\n<li>Kho\u1ea3n n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3. Ho\u1eb7c ch\u01b0a \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 nh\u01b0ng Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng th\u1ea9m \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 n\u1ebfu \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 (g\u1ed1c, l\u00e3i) cho Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng theo \u0111\u00fang H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u0111\u00e3 k\u00fd.<\/li>\n<\/ul>\n<p><strong><span id=\"4_Thoi_gian_gia_han_no\">1.4. Th\u1eddi gian gia h\u1ea1n n\u1ee3<\/span><\/strong><\/p>\n<p>Theo kho\u1ea3n 3, 4 \u0110i\u1ec1u 11 Th\u00f4ng t\u01b0 57\/2019\/TT-BTC, th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n<p>\u2013 M\u1ed9t kho\u1ea3n n\u1ee3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n n\u1ee3 nhi\u1ec1u l\u1ea7n nh\u01b0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c sau khi kho\u1ea3n n\u1ee3 \u0111\u01b0\u1ee3c gia h\u1ea1n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c t\u1ed1i \u0111a quy \u0111\u1ecbnh t\u1ea1i \u0111i\u1ec3m c kho\u1ea3n 1 \u0110i\u1ec1u 34 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 34\/2018\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7:<\/p>\n<p><em>\u201cc) C\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng v\u00e0 ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh, Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c, k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3, l\u00e3i su\u1ea5t nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng cho kho\u1ea3n tr\u1ea3 n\u1ee3 thay. Th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c kh\u00f4ng qu\u00e1 1\/3 th\u1eddi h\u1ea1n cho vay trong h\u1ea1n c\u1ee7a kho\u1ea3n vay \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh\u201d.<\/em><\/p>\n<p>\u2013 Tr\u01b0\u1eddng h\u1ee3p gia h\u1ea1n n\u1ee3, Qu\u1ef9 b\u1ea3o l\u00e3nh t\u00edn d\u1ee5ng \u0111i\u1ec1u ch\u1ec9nh th\u1eddi h\u1ea1n nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c trong H\u1ee3p \u0111\u1ed3ng nh\u1eadn n\u1ee3 b\u1eaft bu\u1ed9c.<\/p>\n<h2><strong>2. M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng th\u00f4ng d\u1ee5ng<br><\/strong><\/h2>\n<p>\u0110\u1ed1i v\u1edbi gia h\u1ea1n n\u1ee3 th\u00ec \u0111\u00f3 l\u00e0 quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi vay nh\u01b0ng ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 m\u1ee5c \u0111\u00edch ch\u00ednh \u0111\u00e1ng, c\u1ea7n th\u00eam th\u1eddi gian \u0111\u1ec3 chu\u1ea9n b\u1ecb t\u00e0i ch\u00ednh tr\u1ea3 n\u1ee3<\/p>\n<p style=\"text-align: right;\"><strong>Download:<\/strong> <a href=\"https:\/\/luatsubaoho.com\/phapluat\/wp-content\/uploads\/2015\/07\/mau-don-de-nghi-gia-han-no-ngan-hang-thong-dung.doc\">M\u1eabu \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb gia h\u1ea1n n\u1ee3 ng\u00e2n h\u00e0ng th\u00f4ng d\u1ee5ng<\/a><\/p>\n<p style=\"text-align: center;\">C\u1ed8NG H\u00d2A X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM<strong><br><\/strong><span style=\"text-decoration: underline;\"><strong>\u0110\u1ed9c l\u1eadp \u2013 T\u1ef1 do \u2013 H\u1ea1nh ph\u00fac<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><strong>GI\u1ea4Y \u0110\u1ec0 NGH\u1eca GIA H\u1ea0N N\u1ee2<\/strong><\/p>\n<p style=\"text-align: center;\"><u>K\u00ednh g\u1eedi<\/u>: CHI NH\u00c1NH NG\u00c2N H\u00c0NG\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026<\/p>\n<p>T\u00ean ng\u01b0\u1eddi vay:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026.<\/p>\n<p>N\u1ee3 vay NH s\u1ed1 ti\u1ec1n:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026<\/p>\n<p>H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng s\u1ed1:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026 ng\u00e0y\u2026\u2026th\u00e1ng\u2026\u2026.n\u0103m\u2026\u2026..<\/p>\n<p>\u0110\u00e3 tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c, s\u1ed1 ti\u1ec1n g\u1ed1c:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026 s\u1ed1 ti\u1ec1n l\u00e3i:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026..<\/p>\n<p>C\u00f2n n\u1ee3 l\u1ea1i\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026..<\/p>\n<p>H\u1ea1n ph\u1ea3i tr\u1ea3 v\u00e0o ng\u00e0y\u2026\u2026th\u00e1ng\u2026\u2026.n\u0103m\u2026\u2026..<\/p>\n<p>L\u00fd do ch\u1eadm tr\u1ea3:<\/p>\n<p>\u2013 \u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026..<\/p>\n<p>\u2013 \u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026..<\/p>\n<p>-\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026<\/p>\n<p>\u0110\u1ec1 ngh\u1ecb chi nh\u00e1nh NH \u2026..gia h\u1ea1n:<\/p>\n<p>\u2013 S\u1ed1 n\u1ee3 g\u1ed1c \u0111\u1ebfn ng\u00e0y\u2026\u2026th\u00e1ng\u2026\u2026.n\u0103m\u2026\u2026..<\/p>\n<p>\u2013 S\u1ed1 n\u1ee3 l\u00e3i \u0111\u1ebfn ng\u00e0y\u2026\u2026th\u00e1ng\u2026\u2026.n\u0103m\u2026\u2026..<\/p>\n<p>Ch\u00fang t\u00f4i xin cam k\u1ebft tr\u1ea3 \u0111\u00fang h\u1ea1n tr\u00ean.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\">\u00a0<\/td>\n<td style=\"width: 50%;\">\n<p style=\"text-align: center;\"><strong>Ng\u01b0\u1eddi vay <br><\/strong>(K\u00fd, ghi r\u00f5 h\u1ecd t\u00ean, \u0111\u00f3ng d\u1ea5u)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>3. M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng do d\u1ecbch b\u1ec7nh covid 19 l\u00e0m m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3<br><\/strong><\/h2>\n<p style=\"text-align: right;\"><strong>Download:<\/strong> <a href=\"https:\/\/luatsubaoho.com\/phapluat\/wp-content\/uploads\/2015\/07\/mau-don-xin-gian-no-ngan-hang-do-dich-benh-covid-19.docx\">M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng do d\u1ecbch b\u1ec7nh covid 19<\/a><\/p>\n<p class=\"has-text-align-center\"><strong>C\u1ed8NG HO\u00c0 X\u00c3 H\u1ed8I CH\u1ee6 NGH\u0128A VI\u1ec6T NAM<br><\/strong><strong><span style=\"text-decoration: underline;\">\u0110\u1ed9c l\u1eadp \u2013 T\u1ef1 do \u2013 H\u1ea1nh ph\u00fac<\/span><\/strong><\/p>\n<p class=\"has-text-align-right\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <em>\u2026\u2026, ng\u00e0y\u2026. th\u00e1ng\u2026. n\u0103m\u2026.<\/em><\/p>\n<p class=\"has-text-align-center\"><strong>\u0110\u01a0N XIN GI\u00c3N N\u1ee2<br><\/strong>(V\/v: xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng)<\/p>\n<p class=\"has-text-align-center\"><strong>K\u00ednh g\u1eedi: \u2013 Gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh ng\u00e2n h\u00e0ng\u2026\u2026\u2026\u2026\u2026.- Chi nh\u00e1nh\u2026\u2026\u2026\u2026<\/strong><\/p>\n<ul>\n<li><em>C\u0103n c\u1ee9 Th\u00f4ng t\u01b0 01\/2020\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, mi\u1ec5n, gi\u1ea3m l\u00e3i, ph\u00ed, gi\u1eef nguy\u00ean nh\u00f3m n\u1ee3 nh\u1eb1m h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng do d\u1ecbch Covid \u2013 19;<\/em><\/li>\n<li><em>C\u0103n c\u1ee9 H\u1ee3p \u0111\u1ed3ng cho vay t\u00edn d\u1ee5ng s\u1ed1\u2026\u2026ng\u00e0y\u2026 th\u00e1ng\u2026 n\u0103m\u2026<\/em><\/li>\n<\/ul>\n<p>T\u00f4i t\u00ean l\u00e0:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sinh ng\u00e0y:\u2026\u2026\u2026\u2026\u2026\u2026<br>Ch\u1ee9ng minh nh\u00e2n d\u00e2n:\u2026\u2026\u2026\u2026\u2026\u00a0\u00a0 N\u01a1i c\u1ea5p:\u2026\u2026\u2026\u2026\u2026.\u00a0\u00a0\u00a0\u00a0 Ng\u00e0y c\u1ea5p:\u2026\u2026\u2026\u2026..<br>\u0110\u1ecba ch\u1ec9 th\u01b0\u1eddng tr\u00fa:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026<br>N\u01a1i \u1edf hi\u1ec7n nay:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026<br>S\u1ed1 \u0111i\u1ec7n tho\u1ea1i:\u2026\u2026\u2026\u2026\u2026\u2026\u2026\u2026.<\/p>\n<p>T\u00f4i l\u00e0m \u0111\u01a1n n\u00e0y xin tr\u00ecnh b\u00e0y v\u1edbi qu\u00fd ng\u00e2n h\u00e0ng m\u1ed9t vi\u1ec7c nh\u01b0 sau:<\/p>\n<p>V\u00e0o ng\u00e0y\u2026 th\u00e1ng\u2026 n\u0103m\u2026, t\u00f4i c\u00f3 k\u00fd k\u1ebft m\u1ed9t h\u1ee3p \u0111\u1ed3ng cho vay v\u1edbi ng\u00e2n h\u00e0ng\u2026\u2026\u2026. t\u1ea1i chi nh\u00e1nh\u2026\u2026.. Trong h\u1ee3p \u0111\u1ed3ng, t\u00f4i vay ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n\u2026\u2026\u2026 v\u1edbi l\u00e3i su\u1ea5t cho vay l\u00e0\u2026\u2026\u2026\u2026, ch\u00ednh s\u00e1ch tr\u1ea3 trong v\u00f2ng\u2026\u2026. Tuy nhi\u00ean, trong kho\u1ea3ng th\u1eddi gian tr\u1ea3 n\u1ee3 t\u1eeb ng\u00e0y\u2026\u2026 th\u00e1ng\u2026\u2026 n\u0103m..\u2026 \u0111\u1ebfn ng\u00e0y..\u2026 th\u00e1ng..\u2026 n\u0103m\u2026.., d\u1ecbch Covid \u2013 19 \u0111\u00e3 b\u00f9ng ph\u00e1t v\u00e0 lan r\u1ed9ng c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 giai \u0111o\u1ea1n c\u00e1ch ly x\u00e3 h\u1ed9i, ph\u00f2ng ch\u1ed1ng Covid. D\u1ecbch b\u1ec7nh n\u00e0y \u0111\u00e3 g\u00e2y \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn vi\u1ec7c kinh doanh c\u1ee7a gia \u0111\u00ecnh t\u00f4i v\u00e0 thu nh\u1eadp b\u1ecb s\u1ee5t gi\u1ea3m d\u1eabn t\u1edbi vi\u1ec7c gia \u0111\u00ecnh t\u00f4i g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n.<\/p>\n<p>C\u0103n c\u1ee9 kho\u1ea3n 1 v\u00e0 3 \u0110i\u1ec1u 4 Th\u00f4ng t\u01b0 01\/2020\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3:<\/p>\n<p><em>\u201c<\/em><strong><em>\u0110i\u1ec1u 4. C\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3<\/em><\/strong><\/p>\n<p><em>1. N\u1ee3 c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 l\u00e0 s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i (bao g\u1ed3m c\u1ea3 s\u1ed1 d\u01b0 n\u1ee3 c\u1ee7a c\u00e1c kho\u1ea3n n\u1ee3 thu\u1ed9c ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1\u00a055\/2015\/N\u0110-CP\u00a0ng\u00e0y 09 th\u00e1ng 6 n\u0103m 2015 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 ch\u00ednh s\u00e1ch t\u00edn d\u1ee5ng ph\u1ee5c v\u1ee5 ph\u00e1t tri\u1ec3n n\u00f4ng nghi\u1ec7p, n\u00f4ng th\u00f4n (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung)) \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau \u0111\u00e2y:<\/em><\/p>\n<p><em>\u2026\u2026.<\/em><\/p>\n<p><em>c) Kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i theo h\u1ee3p \u0111\u1ed3ng, th\u1ecfa thu\u1eadn cho vay, cho thu\u00ea t\u00e0i ch\u00ednh \u0111\u00e3 k\u00fd do doanh thu, thu nh\u1eadp s\u1ee5t gi\u1ea3m b\u1edfi \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch Covid -19.<\/em><\/p>\n<p><em>3. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i quy\u1ebft \u0111\u1ecbnh vi\u1ec7c c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi s\u1ed1 d\u01b0 n\u1ee3 quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, 2 \u0110i\u1ec1u n\u00e0y tr\u00ean c\u01a1 s\u1edf \u0111\u1ec1 ngh\u1ecb c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u00e1nh gi\u00e1 c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u1ea7y \u0111\u1ee7 n\u1ee3 g\u1ed1c v\u00e0\/ho\u1eb7c l\u00e3i c\u1ee7a kh\u00e1ch h\u00e0ng sau khi \u0111\u01b0\u1ee3c c\u01a1 c\u1ea5u l\u1ea1i th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3, ph\u00f9 h\u1ee3p m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng c\u1ee7a d\u1ecbch Covid \u2013 19<\/em><\/p>\n<p><em>\u2026.\u201d<\/em><\/p>\n<p>Do d\u1ecbch b\u1ec7nh, \u0111\u1ed9t nhi\u00ean m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n khi ngu\u1ed3n thu nh\u1eadp gi\u1ea3m n\u00ean t\u00f4i l\u00e0m \u0111\u01a1n n\u00e0y k\u00ednh xin qu\u00fd ng\u00e2n h\u00e0ng:<\/p>\n<p>\u2013 Xem x\u00e9t v\u00e0 \u0111\u00e1nh gi\u00e1 l\u1ea1i kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a gia \u0111\u00ecnh t\u00f4i<\/p>\n<p>\u2013 H\u1ed7 tr\u1ee3 gi\u00e3n n\u1ee3 t\u1eeb ng\u00e0y\u2026 th\u00e1ng\u2026 n\u0103m\u2026 t\u1edbi ng\u00e0y\u2026 th\u00e1ng\u2026 n\u0103m\u2026 v\u00e0 \u00e1p d\u1ee5ng th\u1eddi gian \u0111\u00e1o h\u1ea1n\u2026..<\/p>\n<p>T\u00f4i xin cam \u0111oan nh\u1eefng th\u00f4ng tin n\u00eau tr\u00ean \u0111\u1ec1u l\u00e0 \u0111\u00fang s\u1ef1 th\u1eadt v\u00e0 t\u00f4i xin ch\u1ecbu m\u1ecdi tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00ednh trung th\u1ef1c, ch\u00ednh x\u00e1c c\u1ee7a nh\u1eefng th\u00f4ng tin n\u00e0y.<\/p>\n<p>T\u00f4i xin ch\u00e2n th\u00e0nh c\u1ea3m \u01a1n!<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\">\n<p><strong>T\u00e0i li\u1ec7u k\u00e8m theo<br><\/strong><em>\u2013 H\u1ee3p \u0111\u1ed3ng cho vay t\u00edn d\u1ee5ng s\u1ed1\u2026.. <br><\/em><em>\u2013 B\u00e1o c\u00e1o t\u00e0i ch\u00ednh (k\u1ebft qu\u1ea3 kinh doanh)\u2026\u2026<\/em><\/p>\n<\/td>\n<td style=\"width: 50%; text-align: center;\">\n<strong>Ng\u01b0\u1eddi l\u00e0m \u0111\u01a1n<br><\/strong><em>(k\u00fd v\u00e0 ghi r\u00f5 h\u1ecd t\u00ean)<\/em><strong><br><\/strong>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00bb <a title=\"T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng\" href=\"https:\/\/luatsubaoho.com\/phapluat\/tu-van-phap-luat-tai-chinh-va-ngan-hang\/\" rel=\"bookmark\">T\u01b0 v\u1ea5n ph\u00e1p lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng<\/a><\/p>\n<p>\u00bb <a title=\"Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?\" href=\"https:\/\/luatsubaoho.com\/phapluat\/quy-dinh-ve-vay-tin-chap-ngan-hang-la-gi\/\" rel=\"bookmark\">Quy \u0111\u1ecbnh v\u1ec1 vay t\u00edn ch\u1ea5p ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/a><\/p>\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 m\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u1eabu \u0111\u01a1n xin gi\u00e3n n\u1ee3 ng\u00e2n h\u00e0ng v\u1edbi nhi\u1ec1u l\u00fd do kh\u1ea5t n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay, nh\u01b0 th\u1eddi gian g\u1ea7n \u0111\u00e2y do ch\u1ecbu \u1ea3nh h\u01b0\u1edfng d\u1ecbch b\u1ec7nh covid 19, t\u00ecnh h\u00ecnh d\u1ecbch b\u1ec7nh l\u00e0m \u1ea3nh h\u01b0\u1eddng \u0111\u1ebfn thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi vay c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 chi tr\u1ea3 th\u00ec [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":28698,"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\/28132"}],"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=28132"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/28132\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media\/28698"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=28132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=28132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=28132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}