{"id":1007,"date":"2025-09-29T21:15:31","date_gmt":"2025-09-29T14:15:31","guid":{"rendered":"https:\/\/truongthanhgiang.com\/?p=1007"},"modified":"2025-10-26T23:04:31","modified_gmt":"2025-10-26T16:04:31","slug":"tim-hieu-quy-trinh-xu-ly-tai-san-the-chap-khi-mua-bat-dong-san-ngan-hang-phat-mai","status":"publish","type":"post","link":"https:\/\/truongthanhgiang.com\/index.php\/2025\/09\/29\/tim-hieu-quy-trinh-xu-ly-tai-san-the-chap-khi-mua-bat-dong-san-ngan-hang-phat-mai\/","title":{"rendered":"X\u1eec L\u00dd T\u00c0I S\u1ea2N TH\u1ebe CH\u1ea4P"},"content":{"rendered":"\n

M\u1edf \u0111\u1ea7u<\/strong><\/p>\n\n\n\n

Giao d\u1ecbch mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n do ng\u00e2n h\u00e0ng ph\u00e1t m\u00e3i \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 \u0111ang ng\u00e0y c\u00e0ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. M\u1eb7c d\u00f9 \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 s\u1edf h\u1eefu t\u00e0i s\u1ea3n v\u1edbi gi\u00e1 t\u1ed1t, nh\u01b0ng qu\u00e1 tr\u00ecnh n\u00e0y ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p m\u00e0 ng\u01b0\u1eddi mua c\u1ea7n n\u1eafm r\u00f5. B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp nh\u1eb1m t\u00ecm hi\u1ec3u v\u00e0 cung c\u1ea5p m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng quan, c\u00f3 h\u1ec7 th\u1ed1ng v\u1ec1 quy tr\u00ecnh ng\u00e2n h\u00e0ng x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, \u0111\u1ed3ng th\u1eddi ph\u00e2n t\u00edch c\u00e1c r\u1ee7i ro v\u00e0 gi\u1ea3i ph\u00e1p ph\u00e1p l\u00fd an to\u00e0n cho b\u00ean th\u1ee9 ba (b\u00ean mua) khi tham gia v\u00e0o c\u00e1c giao d\u1ecbch n\u00e0y, d\u1ef1a tr\u00ean c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Vi\u1ec7t Nam hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n

Ph\u1ea7n 1: Quy tr\u00ecnh ng\u00e2n h\u00e0ng x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p (ph\u00e1t m\u00e3i)<\/strong><\/p>\n\n\n\n

Khi kh\u00e1ch h\u00e0ng vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p theo c\u00e1c ph\u01b0\u01a1ng th\u1ee9c \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ho\u1eb7c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n

1.1. C\u00e1c ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n<\/em><\/p>\n\n\n\n

B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m (ng\u00e2n h\u00e0ng) v\u00e0 b\u00ean b\u1ea3o \u0111\u1ea3m c\u00f3 quy\u1ec1n th\u1ecfa thu\u1eadn m\u1ed9t trong c\u00e1c ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n sau \u0111\u00e2y:<\/p>\n\n\n\n

B\u00e1n \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m t\u1ef1 b\u00e1n t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

B\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m nh\u1eadn ch\u00ednh t\u00e0i s\u1ea3n \u0111\u1ec3 thay th\u1ebf cho vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean b\u1ea3o \u0111\u1ea3m.<\/p>\n\n\n\n

Ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn.<\/p>\n\n\n\n

1.2. Th\u1ee7 t\u1ee5c x\u1eed l\u00fd: t\u00f9y theo th\u1ecfa thu\u1eadn m\u00e0 b\u1eaft bu\u1ed9c ho\u1eb7c kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i qua \u0111\u1ea5u gi\u00e1<\/em><\/p>\n\n\n\n

Tr\u01b0\u1eddng h\u1ee3p 1:<\/em> C\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd (Kh\u00f4ng b\u1eaft bu\u1ed9c \u0111\u1ea5u gi\u00e1)<\/strong> N\u1ebfu c\u00e1c b\u00ean \u0111\u00e3 c\u00f3 th\u1ecfa thu\u1eadn tr\u01b0\u1edbc, vi\u1ec7c ng\u00e2n h\u00e0ng ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i th\u00f4ng qua th\u1ee7 t\u1ee5c \u0111\u1ea5u gi\u00e1, th\u00f4ng th\u01b0\u1eddng bao g\u1ed3m:<\/p>\n\n\n\n

B\u01b0\u1edbc 1:<\/strong> Ng\u00e2n h\u00e0ng g\u1eedi th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n cho b\u00ean th\u1ebf ch\u1ea5p v\u1ec1 vi\u1ec7c x\u1eed l\u00fd t\u00e0i s\u1ea3n (\u0110i\u1ec1u 300 BLDS).<\/p>\n\n\n\n

B\u01b0\u1edbc 2:<\/strong> C\u00e1c b\u00ean th\u1ecfa thu\u1eadn v\u1ec1 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n ho\u1eb7c thu\u00ea m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp (\u0110i\u1ec1u 306 BLDS).<\/p>\n\n\n\n

B\u01b0\u1edbc 3:<\/strong> Ng\u00e2n h\u00e0ng t\u1ef1 b\u00e1n ho\u1eb7c chuy\u1ec3n nh\u01b0\u1ee3ng t\u00e0i s\u1ea3n cho b\u00ean th\u1ee9 ba theo gi\u00e1 \u0111\u00e3 \u0111\u1ecbnh (\u0110i\u1ec1u 303 BLDS).<\/p>\n\n\n\n

B\u01b0\u1edbc 4:<\/strong> S\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 thanh l\u00fd n\u1ee3 vay, ph\u1ea7n c\u00f2n l\u1ea1i (n\u1ebfu c\u00f3) s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i cho b\u00ean th\u1ebf ch\u1ea5p (\u0110i\u1ec1u 307 BLDS).<\/p>\n\n\n\n

Tr\u01b0\u1eddng h\u1ee3p 2: Kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn (B\u1eaft bu\u1ed9c b\u00e1n \u0111\u1ea5u gi\u00e1)<\/em><\/p>\n\n\n\n

N\u1ebfu kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn tr\u01b0\u1edbc, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ph\u1ea3i \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua \u0111\u1ea5u gi\u00e1 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Kh\u00f4ng c\u00f3 m\u1ed9t v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn li\u1ec7t k\u00ea c\u00e1c b\u01b0\u1edbc c\u00f4ng vi\u1ec7c. Tuy nhi\u00ean, ph\u00e1p lu\u1eadt b\u1eaft bu\u1ed9c th\u1ef1c hi\u1ec7n l\u1ea7n l\u01b0\u1ee3t c\u00e1c n\u1ed9i dung c\u1ed1t l\u00f5i, bao g\u1ed3m:<\/p>\n\n\n\n

B\u01b0\u1edbc 1: Th\u00f4ng b\u00e1o x\u1eed l\u00fd t\u00e0i s\u1ea3n:<\/strong> Ng\u00e2n h\u00e0ng g\u1eedi th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n cho b\u00ean th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c b\u00ean li\u00ean quan, th\u01b0\u1eddng l\u00e0 tr\u01b0\u1edbc 15 ng\u00e0y (15 ng\u00e0y kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh c\u1ee9ng trong \u0110i\u1ec1u 300 BLDS 2015).<\/p>\n\n\n\n

B\u01b0\u1edbc 2: \u0110\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n:<\/strong> C\u00e1c b\u00ean t\u1ef1 th\u1ecfa thu\u1eadn gi\u00e1 kh\u1edfi \u0111i\u1ec3m. N\u1ebfu kh\u00f4ng th\u1ed1ng nh\u1ea5t, ng\u00e2n h\u00e0ng s\u1ebd thu\u00ea m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp (\u0110i\u1ec1u 306 BLDS 2015, \u0110i\u1ec1u 35 Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n 2016; Lu\u1eadt gi\u00e1 2023).<\/p>\n\n\n\n

B\u01b0\u1edbc 3: L\u1ef1a ch\u1ecdn t\u1ed5 ch\u1ee9c \u0111\u1ea5u gi\u00e1, ni\u00eam y\u1ebft, th\u00f4ng b\u00e1o:<\/strong> Ng\u00e2n h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 \u0111\u1ea5u gi\u00e1 v\u1edbi m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ea5u gi\u00e1 c\u00f3 ch\u1ee9c n\u0103ng theo Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n (\u0110i\u1ec1u 33\u201358 Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n 2016; Ngh\u1ecb \u0111\u1ecbnh 62\/2017\/N\u0110-CP h\u01b0\u1edbng d\u1eabn tr\u00ecnh t\u1ef1 ri\u00eang khi ch\u1ecdn h\u00ecnh th\u1ee9c \u0111\u1ea5u gi\u00e1).<\/p>\n\n\n\n

B\u01b0\u1edbc 4: T\u1ed5 ch\u1ee9c \u0111\u1ea5u gi\u00e1,<\/strong> k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, thanh to\u00e1n:<\/strong> Cu\u1ed9c \u0111\u1ea5u gi\u00e1 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh theo c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 tr\u1ef1c ti\u1ebfp, qua m\u1ea1ng ho\u1eb7c b\u1ecf phi\u1ebfu gi\u00e1n ti\u1ebfp. Ng\u01b0\u1eddi tr\u1ea3 gi\u00e1 cao nh\u1ea5t s\u1ebd l\u00e0 ng\u01b0\u1eddi tr\u00fang \u0111\u1ea5u gi\u00e1. Ng\u01b0\u1eddi tr\u00fang \u0111\u1ea5u gi\u00e1 k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, thanh to\u00e1n \u0111\u1ee7 s\u1ed1 ti\u1ec1n v\u00e0 ti\u1ebfn h\u00e0nh c\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng. (\u0110i\u1ec1u 39\u201363 Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n 2016).<\/p>\n\n\n\n

B\u01b0\u1edbc 5: Chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu:<\/strong> Th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c sang t\u00ean t\u1ea1i c\u01a1 quan \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai: C\u00f4ng ch\u1ee9ng h\u1ee3p \u0111\u1ed3ng v\u00e0 sang t\u00ean (\u0110i\u1ec1u 167, 188 Lu\u1eadt \u0110\u1ea5t \u0111ai 2013; \u0110i\u1ec1u 27, 45 Lu\u1eadt \u0110\u1ea5t \u0111ai 2024;  Ngh\u1ecb \u0111\u1ecbnh 103\/2024\/N\u0110-CP v\u1ec1 ti\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, ti\u1ec1n thu\u00ea \u0111\u1ea5t; Ngh\u1ecb \u0111\u1ecbnh 101\/2024\/N\u0110-CP, Ngh\u1ecb \u0111\u1ecbnh 151\/2025\/N\u0110-CP quy \u0111\u1ecbnh th\u1ee7 t\u1ee5c sang t\u00ean, ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh khi nh\u1eadn t\u00e0i s\u1ea3n).<\/p>\n\n\n\n

B\u01b0\u1edbc 6: X\u1eed l\u00fd kho\u1ea3n n\u1ee3:<\/strong> Ng\u00e2n h\u00e0ng thu h\u1ed3i n\u1ee3 t\u1eeb s\u1ed1 ti\u1ec1n b\u00e1n t\u00e0i s\u1ea3n. N\u1ebfu c\u00f3 ti\u1ec1n d\u01b0, s\u1ebd tr\u1ea3 l\u1ea1i cho ng\u01b0\u1eddi th\u1ebf ch\u1ea5p; n\u1ebfu thi\u1ebfu, kho\u1ea3n n\u1ee3 v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c thu h\u1ed3i.<\/p>\n\n\n\n

L\u01b0u \u00fd:<\/em><\/strong> N\u1ebfu c\u00f3 tranh ch\u1ea5p ho\u1eb7c kh\u00e1ch h\u00e0ng kh\u00f4ng h\u1ee3p t\u00e1c, ng\u00e2n h\u00e0ng ph\u1ea3i kh\u1edfi ki\u1ec7n ra t\u00f2a. Sau khi c\u00f3 b\u1ea3n \u00e1n hi\u1ec7u l\u1ef1c, C\u01a1 quan Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 s\u1ebd t\u1ed5 ch\u1ee9c c\u01b0\u1ee1ng ch\u1ebf v\u00e0 \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n theo Ngh\u1ecb \u0111\u1ecbnh 62\/2017\/N\u0110-CP. Th\u1ee7 t\u1ee5c \u0111\u1ea5u gi\u00e1 v\u00e0 sang t\u00ean ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi Lu\u1eadt \u0110\u1ea5t \u0111ai v\u00e0 Lu\u1eadt Nh\u00e0 \u1edf.<\/em><\/p>\n\n\n\n

Ph\u1ea7n 2: Tr\u01b0\u1eddng h\u1ee3p b\u00ean th\u1ee9 ba mua l\u1ea1i t\u00e0i s\u1ea3n v\u00e0 vay v\u1ed1n t\u1eeb ch\u00ednh ng\u00e2n h\u00e0ng<\/strong><\/p>\n\n\n\n

M\u1ed9t b\u00ean th\u1ee9 ba c\u00f3 th\u1ec3 mua l\u1ea1i nh\u00e0 \u1edf \u0111ang th\u1ebf ch\u1ea5p v\u00e0 vay v\u1ed1n t\u1eeb ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00f3 \u0111\u1ec3 thanh to\u00e1n, tuy nhi\u00ean vi\u1ec7c n\u00e0y c\u00f3 nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 “k\u1ebf th\u1eeba” kho\u1ea3n vay c\u0169.<\/p>\n\n\n\n

2.1. \u0110i\u1ec1u ki\u1ec7n v\u00e0 tr\u1edf ng\u1ea1i<\/em><\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i:<\/strong> Ng\u00e2n h\u00e0ng s\u1ebd th\u1ea9m \u0111\u1ecbnh l\u1ea1i to\u00e0n b\u1ed9 h\u1ed3 s\u01a1 c\u1ee7a ng\u01b0\u1eddi mua v\u00e0 c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i n\u1ebfu h\u1ecd kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay (thu nh\u1eadp, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng,…).<\/p>\n\n\n\n

Kh\u00f4ng th\u1ec3 “chuy\u1ec3n giao” kho\u1ea3n vay c\u0169:<\/strong> Kho\u1ea3n vay c\u0169 l\u00e0 h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi vay ban \u0111\u1ea7u. B\u00ean mua ph\u1ea3i k\u00fd m\u1ed9t h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng ho\u00e0n to\u00e0n m\u1edbi. Th\u1ef1c ch\u1ea5t, \u0111\u00e2y l\u00e0 h\u00ecnh th\u1ee9c vay m\u1edbi \u0111\u1ec3 mua t\u00e0i s\u1ea3n \u0111ang th\u1ebf ch\u1ea5p, ng\u00e2n h\u00e0ng s\u1ebd d\u00f9ng kho\u1ea3n vay m\u1edbi \u0111\u1ec3 t\u1ea5t to\u00e1n kho\u1ea3n vay c\u0169.<\/p>\n\n\n\n

Ph\u00e1t sinh chi ph\u00ed m\u1edbi:<\/strong> Ng\u01b0\u1eddi mua s\u1ebd ph\u1ea3i ch\u1ecbu c\u00e1c chi ph\u00ed nh\u01b0 ph\u00ed t\u1ea5t to\u00e1n kho\u1ea3n vay c\u0169, ph\u00ed \u0111\u1ecbnh gi\u00e1 l\u1ea1i t\u00e0i s\u1ea3n, ph\u00ed c\u00f4ng ch\u1ee9ng, \u0111\u0103ng k\u00fd giao d\u1ecbch b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c lo\u1ea1i thu\u1ebf, ph\u00ed chuy\u1ec3n nh\u01b0\u1ee3ng.<\/p>\n\n\n\n

2.2. H\u1ea1n m\u1ee9c kho\u1ea3n vay m\u1edbi<\/em><\/p>\n\n\n\n

Kho\u1ea3n vay m\u1edbi c\u00f3 th\u1ec3 b\u1eb1ng<\/strong> kho\u1ea3n n\u1ee3 c\u0169 nh\u01b0ng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng. H\u1ea1n m\u1ee9c n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 sau:<\/p>\n\n\n\n

Gi\u00e1 tr\u1ecb \u0111\u1ecbnh gi\u00e1 l\u1ea1i c\u1ee7a t\u00e0i s\u1ea3n:<\/strong> Ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ecbnh gi\u00e1 l\u1ea1i t\u00e0i s\u1ea3n theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n

T\u1ef7 l\u1ec7 cho vay c\u1ee7a ng\u00e2n h\u00e0ng:<\/strong> Th\u00f4ng th\u01b0\u1eddng t\u1eeb 60\u201380% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n. Do \u0111\u00f3, kho\u1ea3n vay m\u1edbi c\u00f3 th\u1ec3 b\u1eb1ng ho\u1eb7c nh\u1ecf h\u01a1n d\u01b0 n\u1ee3 c\u0169, kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng cao h\u01a1n tr\u1eeb khi c\u00f3 th\u00eam t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m kh\u00e1c.<\/p>\n\n\n\n

N\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay m\u1edbi:<\/strong> Ng\u00e2n h\u00e0ng s\u1ebd y\u00eau c\u1ea7u ng\u01b0\u1eddi mua ch\u1ee9ng minh thu nh\u1eadp, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t v\u00e0 k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 r\u00f5 r\u00e0ng. Ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng c\u1ea5p h\u1ea1n m\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng n\u1ee3 c\u0169 n\u1ebfu ng\u01b0\u1eddi mua kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n t\u00edn d\u1ee5ng.<\/p>\n\n\n\n

Ph\u1ea7n 3: R\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 gi\u1ea3i ph\u00e1p an to\u00e0n cho b\u00ean mua (b\u00ean th\u1ee9 ba)<\/strong><\/p>\n\n\n\n

Ng\u01b0\u1eddi mua l\u1ea1i t\u00e0i s\u1ea3n \u0111ang th\u1ebf ch\u1ea5p ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u r\u1ee7i ro ph\u00e1p l\u00fd ti\u1ec1m \u1ea9n n\u1ebfu kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy tr\u00ecnh.<\/p>\n\n\n\n

3.1. C\u00e1c r\u1ee7i ro ph\u00e1p l\u00fd ti\u1ec1m \u1ea9n<\/em><\/p>\n\n\n\n

(i) Giao d\u1ecbch v\u00f4 hi\u1ec7u do kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ng\u00e2n h\u00e0ng:<\/strong> Theo \u0110i\u1ec1u 315 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, vi\u1ec7c b\u00ean th\u1ee9 ba nh\u1eadn chuy\u1ec3n giao ngh\u0129a v\u1ee5 ph\u1ea3i \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n. N\u1ebfu c\u00e1c b\u00ean t\u1ef1 \u00fd giao d\u1ecbch, h\u1ee3p \u0111\u1ed3ng mua b\u00e1n c\u00f3 th\u1ec3 b\u1ecb tuy\u00ean v\u00f4 hi\u1ec7u, d\u1eabn \u0111\u1ebfn nguy c\u01a1 m\u1ea5t ti\u1ec1n m\u00e0 kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i s\u1ea3n. Th\u00eam v\u00e0o \u0111\u00f3, \u0110i\u1ec1u 320 v\u00e0 321 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015 c\u0169ng quy \u0111\u1ecbnh b\u00ean th\u1ebf ch\u1ea5p kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n t\u00e0i s\u1ea3n khi ch\u01b0a \u0111\u01b0\u1ee3c b\u00ean nh\u1eadn b\u1ea3o \u0111\u1ea3m \u0111\u1ed3ng \u00fd.<\/p>\n\n\n\n

(ii) T\u00e0i s\u1ea3n \u0111ang b\u1ecb tranh ch\u1ea5p ho\u1eb7c k\u00ea bi\u00ean:<\/strong> Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 v\u01b0\u1edbng v\u00e0o c\u00e1c tranh ch\u1ea5p ph\u00e1p l\u00fd (th\u1eeba k\u1ebf, ly h\u00f4n,…) ho\u1eb7c t\u00e0i s\u1ea3n \u0111\u00e3 b\u1ecb k\u00ea bi\u00ean thi h\u00e0nh \u00e1n m\u00e0 kh\u00f4ng bi\u1ebft.<\/p>\n\n\n\n

(iii) Kh\u00f4ng th\u1ec3 sang t\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu:<\/strong> N\u1ebfu kho\u1ea3n vay c\u0169 ch\u01b0a \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n v\u00e0 ng\u00e2n h\u00e0ng ch\u01b0a gi\u1ea3i ch\u1ea5p, V\u0103n ph\u00f2ng \u0111\u0103ng k\u00fd \u0111\u1ea5t \u0111ai s\u1ebd kh\u00f4ng ch\u1ea5p nh\u1eadn h\u1ed3 s\u01a1 sang t\u00ean. H\u1eadu qu\u1ea3 l\u00e0 ng\u01b0\u1eddi mua kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu h\u1ee3p ph\u00e1p.<\/p>\n\n\n\n

(iv) T\u00e0i s\u1ea3n v\u1eabn c\u00f3 th\u1ec3 b\u1ecb ng\u00e2n h\u00e0ng ph\u00e1t m\u00e3i:<\/strong> K\u1ec3 c\u1ea3 khi ng\u01b0\u1eddi mua \u0111\u00e3 thanh to\u00e1n ti\u1ec1n, n\u1ebfu b\u00ean b\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 quy\u1ec1n ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Ng\u01b0\u1eddi mua c\u00f3 nguy c\u01a1 v\u1eeba m\u1ea5t ti\u1ec1n, v\u1eeba m\u1ea5t nh\u00e0.<\/p>\n\n\n\n

(v) Kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 v\u1edbi t\u01b0 c\u00e1ch “ng\u01b0\u1eddi mua ngay t\u00ecnh”: N<\/strong>\u1ebfu bi\u1ebft r\u00f5 t\u00e0i s\u1ea3n \u0111ang b\u1ecb th\u1ebf ch\u1ea5p m\u00e0 v\u1eabn ti\u1ebfn h\u00e0nh giao d\u1ecbch kh\u00f4ng th\u00f4ng qua ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi mua s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 “ng\u01b0\u1eddi mua ngay t\u00ecnh” v\u00e0 kh\u00f3 \u0111\u00f2i l\u1ea1i t\u00e0i s\u1ea3n khi c\u00f3 tranh ch\u1ea5p- \u201cTr\u01b0\u1eddng h\u1ee3p t\u00e0i s\u1ea3n ph\u1ea3i \u0111\u0103ng k\u00fd m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd t\u1ea1i c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n th\u00ec giao d\u1ecbch d\u00e2n s\u1ef1 v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba b\u1ecb v\u00f4 hi\u1ec7u\u201d- \u0110i\u1ec1u 133 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015.<\/p>\n\n\n\n

3.2. Gi\u1ea3i ph\u00e1p gi\u1ea3m thi\u1ec3u r\u1ee7i ro<\/em><\/p>\n\n\n\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n, b\u00ean mua c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc sau:<\/p>\n\n\n\n

(i) K\u00fd h\u1ee3p \u0111\u1ed3ng ba b\u00ean:<\/strong> \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p an to\u00e0n nh\u1ea5t, bao g\u1ed3m B\u00ean b\u00e1n \u2013 B\u00ean mua \u2013 Ng\u00e2n h\u00e0ng, \u0111\u1ea3m b\u1ea3o s\u1ef1 \u0111\u1ed3ng thu\u1eadn v\u00e0 r\u00e0ng bu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c b\u00ean.<\/p>\n\n\n\n

(ii) Y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng x\u00e1c nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n:<\/strong> C\u1ea7n c\u00f3 v\u0103n b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng x\u00e1c nh\u1eadn v\u1ec1 t\u00ecnh tr\u1ea1ng ph\u00e1p l\u00fd c\u1ee7a t\u00e0i s\u1ea3n, d\u01b0 n\u1ee3 ch\u00ednh x\u00e1c v\u00e0 s\u1ef1 \u0111\u1ed3ng \u00fd v\u1ec1 vi\u1ec7c mua b\u00e1n.<\/p>\n\n\n\n

(iii) Kh\u00f4ng thanh to\u00e1n ho\u1eb7c \u0111\u1eb7t c\u1ecdc tr\u01b0\u1edbc:<\/strong> Tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng giao ti\u1ec1n cho b\u00ean b\u00e1n khi ch\u01b0a c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 cam k\u1ebft gi\u1ea3i ch\u1ea5p r\u00f5 r\u00e0ng.<\/p>\n\n\n\n

(iv) Ki\u1ec3m tra th\u00f4ng tin ph\u00e1p l\u00fd:<\/strong> Ch\u1ee7 \u0111\u1ed9ng ki\u1ec3m tra th\u00f4ng tin quy ho\u1ea1ch, t\u00ecnh tr\u1ea1ng tranh ch\u1ea5p t\u1ea1i t\u00f2a \u00e1n ho\u1eb7c h\u1ec7 th\u1ed1ng thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

(v) Quy \u0111\u1ecbnh r\u00f5 v\u1ec1 vi\u1ec7c gi\u1ea3i ng\u00e2n:<\/strong> Th\u1ecfa thu\u1eadn \u0111\u1ec3 ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n kho\u1ea3n vay m\u1edbi c\u1ee7a b\u00ean mua v\u00e0 chuy\u1ec3n th\u1eb3ng \u0111\u1ec3 t\u1ea5t to\u00e1n kho\u1ea3n vay c\u0169 c\u1ee7a b\u00ean b\u00e1n.<\/p>\n\n\n\n

K\u1ebft lu\u1eadn<\/strong><\/p>\n\n\n\n

Vi\u1ec7c mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u00e1t m\u00e3i t\u1eeb ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 t\u1ed1t, tuy nhi\u00ean, \u0111\u00e2y l\u00e0 m\u1ed9t giao d\u1ecbch ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p v\u00e0 ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro h\u01a1n so v\u1edbi giao d\u1ecbch th\u00f4ng th\u01b0\u1eddng. Ng\u01b0\u1eddi mua c\u1ea7n tuy\u1ec7t \u0111\u1ed1i c\u1ea9n tr\u1ecdng, kh\u00f4ng n\u00ean tin v\u00e0o c\u00e1c th\u1ecfa thu\u1eadn mi\u1ec7ng ho\u1eb7c giao d\u1ecbch tay ba kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a ng\u00e2n h\u00e0ng. Gi\u1ea3i ph\u00e1p an to\u00e0n v\u00e0 t\u1ed1i \u01b0u nh\u1ea5t l\u00e0 lu\u00f4n y\u00eau c\u1ea7u k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng ba b\u00ean (mua – b\u00e1n – ng\u00e2n h\u00e0ng) \u0111\u1ec3 m\u1ecdi quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 c\u00f3 s\u1ef1 r\u00e0ng bu\u1ed9c ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd. Tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng, ng\u01b0\u1eddi mua n\u00ean t\u00ecm \u0111\u1ebfn s\u1ef1 t\u01b0 v\u1ea5n c\u1ee7a lu\u1eadt s\u01b0 ho\u1eb7c chuy\u00ean gia ph\u00e1p l\u00fd<\/strong> \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho t\u00e0i s\u1ea3n v\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.\/.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u1edf \u0111\u1ea7u Giao d\u1ecbch mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n do ng\u00e2n h\u00e0ng ph\u00e1t m\u00e3i \u0111\u1ec3 x\u1eed l\u00fd n\u1ee3 \u0111ang ng\u00e0y c\u00e0ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. M\u1eb7c d\u00f9 \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 s\u1edf h\u1eefu t\u00e0i s\u1ea3n v\u1edbi gi\u00e1 t\u1ed1t, nh\u01b0ng qu\u00e1 tr\u00ecnh n\u00e0y ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p m\u00e0 […]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[50,47,49,48,51],"class_list":["post-1007","post","type-post","status-publish","format-standard","hentry","category-doi-song","tag-ban-dau-gia-tai-san","tag-bat-dong-san","tag-bat-dong-san-phat-mai","tag-tai-san-the-chap","tag-vay-mua-nha-the-chap"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1007","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/comments?post=1007"}],"version-history":[{"count":2,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1007\/revisions"}],"predecessor-version":[{"id":1176,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1007\/revisions\/1176"}],"wp:attachment":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/media?parent=1007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/categories?post=1007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/tags?post=1007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}