{"id":5177,"date":"2017-03-06T05:03:59","date_gmt":"2017-03-06T12:03:59","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=5177"},"modified":"2017-03-06T05:06:20","modified_gmt":"2017-03-06T12:06:20","slug":"mua-ban-du-an-chua-co-bao-lanh-ngan-hang","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/mua-ban-du-an-chua-co-bao-lanh-ngan-hang\/","title":{"rendered":"Mua b\u00e1n d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng"},"content":{"rendered":"\n<p style=\"text-align: justify;\">Mua b\u00e1n d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng: Bi\u1ebft r\u1ee7i nh\u01b0ng\u2026 li\u1ec1u?<br>\nQuy \u0111\u1ecbnh t\u1ea5t c\u1ea3 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n khi c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n ra th\u1ecb tr\u01b0\u1eddng l\u00e0 b\u1eaft bu\u1ed9c song nhi\u00ea\u0300u d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh v\u00e2\u0303n m\u1edf b\u00e1n r\u00e2\u0300m r\u1ed9 v\u00e0 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng \u0111\u00f3n nh\u1eadn.<\/p>\n<p style=\"text-align: center;\"><em>ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n ph\u1ea3i c\u1ea9n tr\u1ecdng \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro sau n\u00e0y<\/em><\/p>\n<p style=\"text-align: justify;\">N\u0103m 2016 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u00f4i \u0111\u1ed9ng tr\u1edf l\u1ea1i v\u1edbi h\u00e0ng tr\u0103m d\u1ef1 \u00e1n m\u1edf b\u00e1n nh\u01b0ng con s\u1ed1 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh ch\u1ec9 \u0111\u1ebfm tr\u00ean \u0111\u1ea7u ng\u00f3n tay nh\u01b0: HD Bank b\u1ea3o l\u00e3nh cho d\u1ef1 \u00e1n Mon City, SHB b\u1ea3o l\u00e3nh cho d\u1ef1 \u00e1n c\u1ee7a T\u00e2n Ho\u00e0ng Minh, BIDV b\u1ea3o l\u00e3nh cho d\u1ef1 \u00e1n Tr\u00e0ng An Complex, Vi\u1ec7t \u00c1 b\u1ea3o l\u00e3nh d\u1ef1 \u00e1n Th\u00e1p Doanh nh\u00e2n\u2026<\/p>\n<p style=\"text-align: justify;\"><strong>Ch\u1ea5p nh\u1eadn xu\u1ed1ng ti\u1ec1n<\/strong><\/p>\n<p style=\"text-align: justify;\">\u00d4ng Nguy\u1ec5n Th\u1ebf \u0110i\u1ec7p \u2013 Ph\u00f3 Ch\u1ee7 t\u1ecbch C\u00e2u l\u1ea1c b\u1ed9 B\u1ea5t \u0111\u1ed9ng s\u1ea3n H\u00e0 N\u1ed9i ph\u1ea3i th\u1eeba nh\u1eadn, c\u00f3 \u0111\u1ebfn 95% doanh nghi\u1ec7p b\u1ea5t \u0111\u1ed9ng s\u1ea3n hi\u1ec7n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u1ea3o l\u00e3nh, b\u1edfi h\u1ea7u h\u1ebft \u0111\u1ec1u ph\u1ea3i li\u00ean k\u1ebft, huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n<p style=\"text-align: justify;\">Bi\u1ebft l\u00e0 v\u1eady nh\u01b0ng kh\u00e1ch h\u00e0ng v\u1eabn ch\u1ea5p nh\u1eadn xu\u1ed1ng ti\u1ec1n mua nh\u00e0 \u1edf c\u00e1c d\u1ef1 \u00e1n ch\u01b0a c\u00f3 ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh. B\u1eb1ng ch\u1ee9ng l\u00e0 trong n\u0103m 2016, t\u00ednh chung c\u1ea3 2 th\u00e0nh ph\u1ed1 H\u00e0 N\u1ed9i v\u00e0 TP H\u1ed3 Ch\u00ed Minh c\u00f3 kho\u1ea3ng 30.565 giao d\u1ecbch th\u00e0nh c\u00f4ng.<\/p>\n<p style=\"text-align: justify;\">C\u0169ng theo \u00f4ng \u0110i\u1ec7p, c\u00e1c d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh l\u00e0 do nhi\u1ec1u d\u1ef1 \u00e1n \u0111\u00e3 tri\u1ec3n khai tr\u01b0\u1edbc khi Lu\u1eadt Kinh doanh B\u1ea5t \u0111\u1ed9ng s\u1ea3n 2014 s\u1eeda \u0111\u1ed5i c\u00f3 hi\u1ec7u l\u1ef1c, ho\u1eb7c \u0111\u00e3 m\u1edf b\u00e1n m\u1ed9t v\u00e0i \u0111\u1ee3t tr\u01b0\u1edbc \u0111\u00f3, n\u00ean r\u1ea5t kh\u00f3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng. H\u01a1n n\u1eefa, m\u1edf b\u00e1n khi ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng b\u1ecb x\u1eed l\u00fd n\u00ean c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 v\u1eabn v\u00f4 t\u01b0 vi ph\u1ea1m.<\/p>\n<p style=\"text-align: justify;\">\u201cDo qu\u00e1 nhi\u1ec1u d\u1ef1 \u00e1n n\u00ean g\u1ea7n nh\u01b0 hi\u1ec7n nay c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng l\u1edd \u0111i, b\u1ea3o l\u00e3nh hay kh\u00f4ng b\u1ea3o l\u00e3nh c\u0169ng kh\u00f4ng c\u00f3 \u00fd ngh\u0129a. Hi\u1ec7n ch\u1ec9 \u0111\u1ebfm tr\u00ean \u0111\u1ea7u ng\u00f3n tay nh\u1eefng doanh nghi\u1ec7p \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh, th\u01b0\u1eddng \u0111\u00f3 l\u00e0 nh\u1eefng doanh nghi\u1ec7p l\u1edbn, ho\u1eb7c l\u00e0 m\u1edbi l\u00e0m d\u1ef1 \u00e1n\u201d \u2013 \u00f4ng \u0110i\u1ec7p cho bi\u1ebft.<\/p>\n<p style=\"text-align: justify;\">L\u00e0 doanh nghi\u1ec7p \u0111\u1ea7u ti\u00ean tr\u00ean \u0111\u1ecba b\u00e0n H\u00e0 N\u1ed9i nh\u1eadn ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh, \u00f4ng Nguy\u1ec5n Anh Tu\u1ea5n \u2013 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty C\u1ed5 ph\u1ea7n \u0110\u1ecba \u1ed1c H\u1ea3i \u0110\u0103ng, ch\u1ee7 \u0111\u1ea7u t\u01b0 d\u1ef1 \u00e1n Mon City t\u1ea1i H\u00e0 N\u1ed9i th\u1eeba nh\u1eadn vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh c\u0169ng t\u1ea1o nhi\u1ec1u thu\u1eadn l\u1ee3i cho ch\u1ee7 \u0111\u1ea7u t\u01b0 trong vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m nh\u00e0 \u1edf.<\/p>\n<p style=\"text-align: justify;\">\u201cM\u1eb7c d\u00f9 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c ch\u1ee9ng th\u01b0 b\u1ea3o l\u00e3nh l\u00e0 qu\u00e1 tr\u00ecnh r\u1ea5t d\u00e0i gi\u1eefa doanh nghi\u1ec7p v\u1edbi ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i t\u00ecm hi\u1ec3u h\u1ed3 s\u01a1 ph\u00e1p l\u00fd, th\u1ee7 t\u1ee5c, t\u00ednh kh\u1ea3 thi c\u1ee7a d\u1ef1 \u00e1n, n\u0103ng l\u1ef1c c\u1ee7a ch\u1ee7 \u0111\u1ea7u t\u01b0 n\u00ean m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian. Ph\u00ed b\u1ea3o l\u00e3nh ho\u00e0n to\u00e0n do ch\u1ee7 \u0111\u1ea7u t\u01b0 tr\u1ea3 cho kh\u00e1ch h\u00e0ng m\u1eb7c d\u00f9 kh\u00f4ng ph\u1ea3i qu\u00e1 l\u1edbn nh\u01b0ng l\u1ea1i \u0111em l\u1ea1i ni\u1ec1m tin cho kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 thu\u1eadn l\u1ee3i r\u1ea5t l\u1edbn \u0111\u1ec3 doanh nghi\u1ec7p c\u00f3 th\u1ec3 b\u00e1n \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh\u201d, \u00f4ng Tu\u1ea5n chia s\u1ebb.<\/p>\n<p style=\"text-align: justify;\">Chia s\u1ebb v\u1edbi D\u0110DN, m\u1ed9t doanh nghi\u1ec7p cho bi\u1ebft, theo quy \u0111\u1ecbnh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p mu\u1ed1n \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh ph\u1ea3i c\u00f3 ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n k\u00fd qu\u1ef9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh, \u0111\u1ed3ng th\u1eddi \u0111\u00f3ng ph\u00ed 2% gi\u00e1 tr\u1ecb b\u1ea3o l\u00e3nh.<\/p>\n<p style=\"text-align: justify;\">\u201cV\u1edbi c\u00e1c doanh nghi\u1ec7p l\u1edbn th\u00ec vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i d\u1ec5 d\u00e0ng. C\u00f2n v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf th\u00ec \u0111i\u1ec1u n\u00e0y l\u00e0 v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n v\u00ec hi\u1ec7n nay h\u1ea7u h\u1ebft l\u00e0 c\u00e1c doanh nghi\u1ec7p v\u1eeba nh\u1ecf, t\u00e0i s\u1ea3n v\u00e0 v\u1ed1n t\u1ef1 c\u00f3 r\u1ea5t y\u1ebfu. N\u1ebfu c\u00f3 t\u00e0i s\u1ea3n, ch\u01b0a ch\u1eafc doanh nghi\u1ec7p \u0111\u00e3 ch\u1ecbu k\u00fd qu\u1ef9 v\u00ec ti\u1ec1n k\u00fd qu\u1ef9 s\u1ebd tr\u1edf th\u00e0nh v\u1ed1n ch\u1ebft, khi\u1ebfn cho doanh nghi\u1ec7p s\u1ebd g\u1eb7p kh\u00f3 v\u00ec thi\u1ebfu v\u1ed1n l\u01b0u \u0111\u1ed9ng\u201d \u2013 Doanh nghi\u1ec7p n\u00e0y cho bi\u1ebft.<\/p>\n<p style=\"text-align: justify;\">C\u0169ng theo doanh nghi\u1ec7p n\u00e0y th\u00ec \u201cVi\u1ec7c \u00e1p d\u1ee5ng lu\u1eadt v\u00e0o th\u1ef1c ti\u1ec5n s\u1ebd khi\u1ebfn c\u00e1c doanh nghi\u1ec7p g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n, th\u1eadm ch\u00ed s\u1ebd c\u00f3 doanh nghi\u1ec7p ph\u1ea3i r\u1eddi b\u1ecf th\u1ecb tr\u01b0\u1eddng\u201d.<\/p>\n<p style=\"text-align: justify;\"><strong>N\u00ean t\u1ef1 nguy\u1ec7n?<\/strong><\/p>\n<p style=\"text-align: justify;\">Theo <a href=\"https:\/\/luatsubaoho.com\">Lu\u1eadt s\u01b0<\/a> Nguy\u1ec5n Thanh H\u00e0 \u2013 Ch\u1ee7 t\u1ecbch <a href=\"https:\/\/luatsubaoho.com\/phapluat\/cong-ty-luat-sb-law\/\">C\u00f4ng ty Lu\u1eadt SBLaw<\/a>, nhi\u1ec1u ch\u1ee7 \u0111\u1ea7u t\u01b0 g\u1eb7p kh\u00f3 kh\u0103n khi xin b\u1ea3o l\u00e3nh t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00ec c\u00e1c ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u01b0a ra 1 s\u1ed1 ti\u00eau chu\u1ea9n ri\u00eang, quy tr\u00ecnh, th\u1ee7 t\u1ee5c c\u0169ng m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian.<\/p>\n<p style=\"text-align: justify;\">M\u1ed9t s\u1ed1 d\u1ef1 \u00e1n ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd, ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng, nh\u01b0ng do c\u1ea7n ti\u1ec1n huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c tri\u1ec3n khai n\u00ean h\u1ecd \u0111\u00e3 th\u1ef1c hi\u1ec7n sai c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Khi th\u1ef1c hi\u1ec7n giao d\u1ecbch \u1edf c\u00e1c d\u1ef1 \u00e1n n\u00e0y, ng\u01b0\u1eddi mua nh\u00e0 s\u1ebd r\u1ea5t b\u1ea5t l\u1ee3i, v\u00ec theo quy \u0111\u1ecbnh, nh\u1eefng h\u1ee3p \u0111\u1ed3ng khi ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfn h\u00e0nh giao d\u1ecbch th\u00ec sau n\u00e0y s\u1ebd l\u00e0 h\u1ee3p \u0111\u1ed3ng v\u00f4 hi\u1ec7u. B\u00ean c\u1ea1nh \u0111\u00f3, khi ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 ho\u00e0n thi\u1ec7n \u0111\u01b0\u1ee3c d\u1ef1 \u00e1n th\u00ec ng\u01b0\u1eddi mua nh\u00e0 s\u1ebd r\u1ea5t kh\u00f3 \u0111\u00f2i l\u1ea1i ti\u1ec1n.<\/p>\n<p style=\"text-align: justify;\">C\u00e1c chuy\u00ean gia b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho r\u1eb1ng, vi\u1ec7c b\u1ea3o l\u00e3nh n\u00ean \u0111\u1ec3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ef1 nguy\u1ec7n, t\u00f9y theo kh\u1ea3 n\u0103ng v\u00e0 ch\u00ednh s\u00e1ch c\u1ee7a c\u00f4ng ty, ho\u1eb7c \u0111\u1ec3 cho ch\u1ee7 \u0111\u1ea7u t\u01b0 th\u1ecfa thu\u1eadn v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng khi kh\u00e1ch h\u00e0ng c\u00f3 y\u00eau c\u1ea7u. B\u1edfi c\u00f3 r\u1ea5t nhi\u1ec1u d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 t\u1ed5ng m\u1ee9c \u0111\u1ea7u t\u01b0 l\u00ean t\u1edbi h\u00e0ng ng\u00e0n, th\u1eadm ch\u00ed h\u00e0ng ch\u1ee5c ng\u00e0n t\u1ef7 \u0111\u1ed3ng. Nh\u01b0 v\u1eady, vi\u1ec7c y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh c\u00f3 th\u1ec3 v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<p style=\"text-align: justify;\">Trong b\u1ed1i c\u1ea3nh quy \u0111\u1ecbnh n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nghi\u00eam trong th\u1ef1c ti\u1ec5n, th\u00ec ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n ph\u1ea3i c\u1ea9n tr\u1ecdng, t\u00ecm ki\u1ebfm c\u00e1c th\u00f4ng tin ph\u00e1p l\u00fd v\u00e0 ki\u1ec3m tra d\u1ef1 \u00e1n nh\u00e0 \u1edf \u0111\u00e3 c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng hay ch\u01b0a \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro \u0111\u00e1ng ti\u1ebfc sau n\u00e0y.<\/p>\n<p style=\"text-align: justify;\">\u00bb<a href=\"https:\/\/luatsubaoho.com\/phapluat\/tu-van-luat-bat-dong-san\/\"> T\u01b0 v\u1ea5n lu\u1eadt b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/a><\/p>\n<p style=\"text-align: right;\"><em>The Linh Nhi vfpress.vn<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mua b\u00e1n d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh ng\u00e2n h\u00e0ng: Bi\u1ebft r\u1ee7i nh\u01b0ng\u2026 li\u1ec1u? Quy \u0111\u1ecbnh t\u1ea5t c\u1ea3 d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n khi c\u00f3 b\u1ea3o l\u00e3nh c\u1ee7a ng\u00e2n h\u00e0ng m\u1edbi \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n ra th\u1ecb tr\u01b0\u1eddng l\u00e0 b\u1eaft bu\u1ed9c song nhi\u00ea\u0300u d\u1ef1 \u00e1n ch\u01b0a c\u00f3 b\u1ea3o l\u00e3nh v\u00e2\u0303n m\u1edf b\u00e1n r\u00e2\u0300m r\u1ed9 v\u00e0 \u0111\u01b0\u1ee3c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5178,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[140],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/5177"}],"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=5177"}],"version-history":[{"count":0,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/5177\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media\/5178"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=5177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=5177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=5177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}