{"id":4027,"date":"2019-08-07T09:33:09","date_gmt":"2019-08-07T06:33:09","guid":{"rendered":"https:\/\/selectednews.info\/vi\/ngan-hang-ep-khach-phai-mua-kem-bao-hiem-chay-no-chung-cu\/"},"modified":"2019-08-07T09:33:10","modified_gmt":"2019-08-07T06:33:10","slug":"ngan-hang-ep-khach-phai-mua-kem-bao-hiem-chay-no-chung-cu","status":"publish","type":"post","link":"https:\/\/selectednews.info\/vi\/ngan-hang-ep-khach-phai-mua-kem-bao-hiem-chay-no-chung-cu\/","title":{"rendered":"Ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0"},"content":{"rendered":"

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\n24 gi\u1edd tr\u01b0\u1edbc khi \u0111\u1ebfn k\u00fd h\u1ee3p \u0111\u1ed3ng vay mua nh\u00e0, ch\u1ecb Th\u1ea3o m\u1edbi nh\u1eadn th\u00f4ng b\u00e1o “\u0111\u00f3ng 4 tri\u1ec7u \u0111\u1ed3ng mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n”.\t<\/p>\n

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\nCh\u1ecb Ph\u01b0\u01a1ng Th\u1ea3o (C\u1ea7u Gi\u1ea5y, H\u00e0 N\u1ed9i) v\u1eeba vay ti\u1ec1n m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n mua c\u0103n h\u1ed9 chung c\u01b0. Sau nhi\u1ec1u ng\u00e0y xu\u00f4i ng\u01b0\u1ee3c ho\u00e0n thi\u1ec7n th\u1ee7 t\u1ee5c, ch\u1ecb th\u1edf ph\u1ea3i khi \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean th\u00f4ng b\u00e1o h\u1ed3 s\u01a1 \u0111\u00e3 ho\u00e0n thi\u1ec7n, h\u1eb9n h\u00f4m sau t\u1edbi k\u00fd h\u1ee3p \u0111\u1ed3ng. Nh\u01b0ng \u0111\u1ed3ng th\u1eddi ch\u1ecb l\u1ea1i nh\u1eadn ti\u1ebfp th\u00f4ng b\u00e1o ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 cho c\u0103n h\u1ed9 n\u00e0y.\u00a0“Ch\u1ecb ph\u1ea3i \u0111\u00f3ng b\u1ea3o hi\u1ec3m th\u00ec m\u1edbi \u0111\u01b0\u1ee3c c\u1ea5p kho\u1ea3n vay v\u00ec \u0111\u00e2y l\u00e0 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c”, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng n\u00f3i.<\/p>\n

\n\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u1ea7n \u0111\u1ea7u vay ti\u1ec1n mua nh\u00e0 v\u00e0 c\u00e1c l\u1ea7n tr\u01b0\u1edbc ch\u1ecb Th\u1ea3o \u0111\u1ec1u kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c \u0111\u00f3ng kho\u1ea3n ph\u00ed n\u00e0y.\u00a0Theo gi\u1ea3i th\u00edch c\u1ee7a nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng, t\u1eeb 15\/4\/2018, Ngh\u1ecb \u0111\u1ecbnh 23\/2018 quy \u0111\u1ecbnh ch\u1ee7 s\u1edf h\u1eefu chung c\u01b0 ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c n\u00ean \u0111\u00e2y l\u00e0 “quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ng\u00e2n h\u00e0ng”.<\/p>\n

\n“T\u00f4i nghi ng\u1edd v\u1ec1 s\u1ef1 ‘b\u1eaft bu\u1ed9c’ n\u00e0y, r\u1ea5t c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t y\u00eau c\u1ea7u \u0111\u1ec3 t\u0103ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m. Nh\u01b0ng th\u1ef1c s\u1ef1 do c\u1ea7n gi\u1ea3i ng\u00e2n \u0111\u00fang h\u1ea1n \u0111\u1ec3 k\u1ecbp thanh to\u00e1n cho ch\u1ee7 \u0111\u1ea7u t\u01b0, v\u1ee3 ch\u1ed3ng t\u00f4i v\u1eabn t\u1eb7c l\u01b0\u1ee1i n\u1ed9p ti\u1ec1n”, ch\u1ecb Th\u1ea3o k\u1ec3.<\/p>\n\n\n\n\n
\n<\/td>\n<\/tr>\n
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\nH\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 cho c\u0103n h\u1ed9 chung c\u01b0 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u00e1n k\u00e8m\u00a0khi vay ti\u1ec1n. \u1ea2nh: Nh\u00e2n v\u1eadt cung c\u1ea5p.<\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\nTrong khi \u0111\u00f3, m\u1ed9t c\u00e1n b\u1ed9 cho vay c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1ed1n nh\u00e0 n\u01b0\u1edbc th\u1eeba nh\u1eadn “c\u00f3 th\u1ec3 linh \u0111\u1ed9ng v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng”. “V\u1edbi nh\u1eefng d\u1ef1 \u00e1n c\u00f3 t\u00ednh r\u1ee7i ro cao v\u00e0 ch\u1ee7 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 uy t\u00edn, ch\u00fang t\u00f4i bu\u1ed9c ph\u1ea3i y\u00eau c\u1ea7u kh\u00e1ch \u0111\u00f3ng b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro cho ng\u00e2n h\u00e0ng”, c\u00e1n b\u1ed9 n\u00e0y n\u00f3i. Ngo\u00e0i ra, m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ph\u1ea3n \u1ee9ng gay g\u1eaft c\u0169ng \u0111\u01b0\u1ee3c “ch\u00e2m ch\u01b0\u1edbc” cho k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 gi\u1ea3i ng\u00e2n m\u00e0 kh\u00f4ng c\u1ea7n mua b\u1ea3o hi\u1ec3m.<\/p>\n

\nKh\u00f4ng ri\u00eang ng\u01b0\u1eddi vay mua nh\u00e0 sau ng\u00e0y 15\/4, nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n mua chung c\u01b0 tr\u01b0\u1edbc th\u1eddi gian n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u mua b\u1ea3o hi\u1ec3m.\u00a0Ch\u1ecb Hoa (Thanh Xu\u00e2n, H\u00e0 N\u1ed9i) \u0111\u00e3 th\u1ebf ch\u1ea5p s\u1ed5 h\u1ed3ng vay mua nh\u00e0 t\u1eeb cu\u1ed1i n\u0103m 2017. \u0110\u1ebfn nay, do c\u00f3 vi\u1ec7c c\u1ea7n b\u1ea3n sao s\u1ed5 h\u1ed3ng n\u00ean ch\u1ecb nh\u1edd ng\u00e2n h\u00e0ng h\u1ed7 tr\u1ee3 c\u00f4ng ch\u1ee9ng. “Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng n\u00f3i th\u1eb3ng b\u0103ng l\u00e0 t\u00f4i ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 kho\u1ea3ng 3-4 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1 th\u00ec m\u1edbi \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3”, ch\u1ecb Hoa k\u1ec3.\u00a0<\/p>\n

\nTrong khi \u0111\u00f3, tr\u1ea3 l\u1eddi c\u00f4ng d\u00e2n tr\u00ean C\u1ed5ng th\u00f4ng tin \u0111i\u1ec7n t\u1eed Ch\u00ednh ph\u1ee7, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng cho bi\u1ebft, Th\u00f4ng t\u01b0 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 hi\u1ec7n kh\u00f4ng quy \u0111\u1ecbnh kh\u00e1ch h\u00e0ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 khi vay v\u1ed1n.<\/strong><\/span><\/p>\n

\nChia s\u1ebb v\u1edbi\u00a0VnExpress<\/em>, c\u00e1n b\u1ed9 ph\u00f2ng ph\u00e1p ch\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1ed1n Nh\u00e0 n\u01b0\u1edbc c\u0169ng th\u1eeba nh\u1eadn kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c kh\u00e1ch ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 cho chung c\u01b0 th\u00ec m\u1edbi \u0111\u01b0\u1ee3c vay. Tuy nhi\u00ean, \u0111\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 c\u00f4ng c\u1ee5 ph\u00f2ng ng\u1eeba r\u1ee7i ro c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng \u2013 ng\u01b0\u1eddi cho vay.<\/p>\n

\n“C\u0103n h\u1ed9 chung c\u01b0 m\u00e0 kh\u00e1ch h\u00e0ng mua (d\u00f9 c\u00f3 ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o hay kh\u00f4ng) l\u00e0 t\u00e0i s\u1ea3n h\u00ecnh th\u00e0nh t\u1eeb kho\u1ea3n vay, c\u1ea7n ph\u1ea3i ph\u00f2ng ng\u1eeba r\u1ee7i ro b\u1eb1ng vi\u1ec7c \u0111\u00f3ng b\u1ea3o hi\u1ec3m. Theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 X\u00e2y d\u1ef1ng, nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n n\u00e0y ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c. C\u00f2n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng kh\u00f4ng c\u00f3 nh\u1eefng quy \u0111\u1ecbnh qu\u00e1 chi ti\u1ebft m\u00e0 \u0111\u00f3 l\u00e0 c\u00e2u chuy\u1ec7n tho\u1ea3 thu\u1eadn gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng”, v\u1ecb n\u00e0y cho hay.<\/p>\n

\nLu\u1eadt s\u01b0 L\u01b0\u01a1ng Huy H\u00e0, \u0110o\u00e0n Lu\u1eadt s\u01b0 H\u00e0 N\u1ed9i, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH T\u01b0 v\u1ea5n Lawkey Vi\u1ec7t Nam cho bi\u1ebft, quy \u0111\u1ecbnh ch\u1ee7 s\u1edf h\u1eefu chung c\u01b0 ph\u1ea3i \u0111\u00f3ng b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c kh\u00f4ng ph\u1ea3i m\u1edbi m\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eafc t\u1edbi \u1edf c\u00e1c v\u0103n b\u1ea3n Lu\u1eadt tr\u01b0\u1edbc \u0111\u00f3 nh\u01b0 Th\u00f4ng t\u01b0 li\u00ean t\u1ecbch gi\u1eefa B\u1ed9 C\u00f4ng an v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh. T\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 23\/2018, c\u00e1c quy \u0111\u1ecbnh n\u00e0y \u0111\u01b0\u1ee3c ch\u1ec9nh s\u1eeda, b\u1ed5 sung v\u00e0 h\u1ee3p nh\u1ea5t.<\/p>\n

\nTuy nhi\u00ean, theo \u00f4ng H\u00e0, v\u1edbi vi\u1ec7c\u00a0kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh ph\u1ea3i \u0111\u00f3ng b\u1ea3o hi\u1ec3m, ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o thu\u1ed9c c\u00e1c kho\u1ea3n cho vay c\u1ee7a m\u00ecnh, nh\u00e0 b\u0103ng kh\u00f4ng th\u1ec3 \u00e9p bu\u1ed9c kh\u00e1ch mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5. \u0110\u00e2y ph\u1ea3i l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch. “C\u1ea7n tr\u00e1nh t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng “m\u01b0\u1ee3n” quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 r\u1ed3i nh\u1eadp nh\u1eb1ng, nh\u1eb1m g\u00e2y kh\u00f3 d\u1ec5 v\u1edbi ng\u01b0\u1eddi d\u00e2n \u0111\u1ec3 b\u00e1n th\u00eam s\u1ea3n ph\u1ea9m”, \u00f4ng n\u00f3i.<\/p>\n

\nB\u00ean c\u1ea1nh \u0111\u00f3, theo \u00f4ng,\u00a0ph\u1ea3i t\u00e1ch b\u1ea1ch gi\u1eefa ngh\u0129a v\u1ee5 \u0111\u00f3ng b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu v\u1edbi tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng, ho\u1eb7c c\u1ea7n l\u00e0m r\u00f5 ngh\u0129a v\u1ee5 \u0111\u00f3ng b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu c\u0103n h\u1ed9 c\u00f3 l\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i hay tham gia c\u00e1c giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng hay kh\u00f4ng.<\/p>\n

\nQu\u1ef3nh Trang<\/strong><\/p>\n<\/p><\/div>\n

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[ad_1] 24 gi\u1edd tr\u01b0\u1edbc khi \u0111\u1ebfn k\u00fd h\u1ee3p \u0111\u1ed3ng vay mua nh\u00e0, ch\u1ecb Th\u1ea3o m\u1edbi nh\u1eadn th\u00f4ng b\u00e1o “\u0111\u00f3ng 4 tri\u1ec7u \u0111\u1ed3ng mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n”. Ch\u1ecb Ph\u01b0\u01a1ng Th\u1ea3o (C\u1ea7u Gi\u1ea5y, H\u00e0 N\u1ed9i) v\u1eeba vay ti\u1ec1n m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n mua c\u0103n h\u1ed9 chung c\u01b0. Sau nhi\u1ec1u ng\u00e0y xu\u00f4i […]<\/p>\n","protected":false},"author":2,"featured_media":4028,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-kinh-doanh"],"yoast_head":"\nNg\u00e2n h\u00e0ng \u00e9p kh\u00e1ch ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 - Selected News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/selectednews.info\/vi\/ngan-hang-ep-khach-phai-mua-kem-bao-hiem-chay-no-chung-cu\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 - Selected News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] 24 gi\u1edd tr\u01b0\u1edbc khi \u0111\u1ebfn k\u00fd h\u1ee3p \u0111\u1ed3ng vay mua nh\u00e0, ch\u1ecb Th\u1ea3o m\u1edbi nh\u1eadn th\u00f4ng b\u00e1o “\u0111\u00f3ng 4 tri\u1ec7u \u0111\u1ed3ng mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n”. Ch\u1ecb Ph\u01b0\u01a1ng Th\u1ea3o (C\u1ea7u Gi\u1ea5y, H\u00e0 N\u1ed9i) v\u1eeba vay ti\u1ec1n m\u1ed9t ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n mua c\u0103n h\u1ed9 chung c\u01b0. 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