{"id":1014,"date":"2025-10-01T16:28:43","date_gmt":"2025-10-01T09:28:43","guid":{"rendered":"https:\/\/truongthanhgiang.com\/?p=1014"},"modified":"2025-10-26T23:05:13","modified_gmt":"2025-10-26T16:05:13","slug":"tong-quan-ve-hoat-dong-mua-ban-no-co-tai-san-bao-dam-la-bat-dong-san-giua-ngan-hang-va-to-chuc-tai-chinh","status":"publish","type":"post","link":"https:\/\/truongthanhgiang.com\/index.php\/2025\/10\/01\/tong-quan-ve-hoat-dong-mua-ban-no-co-tai-san-bao-dam-la-bat-dong-san-giua-ngan-hang-va-to-chuc-tai-chinh\/","title":{"rendered":"MUA B\u00c1N N\u1ee2 C\u00d3 T\u00c0I S\u1ea2N B\u1ea2O \u0110\u1ea2M"},"content":{"rendered":"\n<p>Ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 quan tr\u1ecdng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0. Qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi m\u1ed9t h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt ch\u1eb7t ch\u1ebd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan.<\/p>\n\n\n\n<p><strong>1. Nguy\u00ean t\u1eafc<\/strong><\/p>\n\n\n\n<p>&#8211; <strong>Quy\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng c\u1ee7a Ng\u00e2n h\u00e0ng:<\/strong> B\u00ean b\u00e1n n\u1ee3 (Ng\u00e2n h\u00e0ng) c\u00f3 to\u00e0n quy\u1ec1n chuy\u1ec3n nh\u01b0\u1ee3ng kho\u1ea3n n\u1ee3 v\u00e0 c\u00e1c quy\u1ec1n li\u00ean quan, bao g\u1ed3m c\u1ea3 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/p>\n\n\n\n<p><strong>&#8211; Quy\u1ec1n k\u1ebf th\u1eeba c\u1ee7a B\u00ean mua n\u1ee3:<\/strong> B\u00ean mua n\u1ee3 (T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ho\u1eb7c c\u00f4ng ty qu\u1ea3n l\u00fd n\u1ee3) s\u1ebd ti\u1ebfp nh\u1eadn kho\u1ea3n n\u1ee3 v\u00e0 k\u1ebf th\u1eeba to\u00e0n b\u1ed9 quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m theo h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p \u0111\u00e3 k\u00fd tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n\n\n\n<p><strong>&#8211; Ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n:<\/strong><\/p>\n\n\n\n<p><strong>Th\u1ecfa thu\u1eadn:<\/strong> N\u1ebfu c\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n (v\u00ed d\u1ee5: b\u00e1n tr\u1ef1c ti\u1ebfp B\u0110S, t\u1ef1 th\u1ecfa thu\u1eadn gi\u00e1), vi\u1ec7c \u0111\u1ea5u gi\u00e1 l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c.<\/p>\n\n\n\n<p><strong>\u0110\u1ea5u gi\u00e1:<\/strong> Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 B\u0110S ph\u1ea3i \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua th\u1ee7 t\u1ee5c \u0111\u1ea5u gi\u00e1 c\u00f4ng khai v\u00e0 minh b\u1ea1ch.<\/p>\n\n\n\n<p><strong>2. Quy\u1ec1n \u0111\u01a1n ph\u01b0\u01a1ng b\u00e1n n\u1ee3 c\u1ee7a Ng\u00e2n h\u00e0ng<\/strong><\/p>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m ph\u00e1p l\u00fd quan tr\u1ecdng l\u00e0 quy\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u01a1n ph\u01b0\u01a1ng b\u00e1n n\u1ee3 m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ng\u01b0\u1eddi vay.<\/p>\n\n\n\n<p>Theo \u0110i\u1ec1u 365 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, b\u00ean c\u00f3 quy\u1ec1n (ng\u00e2n h\u00e0ng) c\u00f3 th\u1ec3 chuy\u1ec3n giao quy\u1ec1n y\u00eau c\u1ea7u c\u1ee7a m\u00ecnh cho m\u1ed9t b\u00ean th\u1ee9 ba. D\u00f9 kh\u00f4ng c\u1ea7n s\u1ef1 \u0111\u1ed3ng \u00fd, ng\u00e2n h\u00e0ng v\u1eabn c\u00f3 <strong>ngh\u0129a v\u1ee5 ph\u1ea3i th\u00f4ng b\u00e1o<\/strong> cho ng\u01b0\u1eddi vay v\u1ec1 vi\u1ec7c chuy\u1ec3n giao n\u00e0y \u0111\u1ec3 h\u1ecd bi\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 cho b\u00ean mua n\u1ee3.<\/p>\n\n\n\n<p>\u0110\u00e2y l\u00e0 quy\u1ec1n \u0111\u01a1n ph\u01b0\u01a1ng v\u1ec1 m\u1eb7t d\u00e2n s\u1ef1, \u0111\u01b0\u1ee3c kh\u1eb3ng \u0111\u1ecbnh th\u00eam trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024, v\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a kh\u00e1ch h\u00e0ng vay, mi\u1ec5n l\u00e0 kho\u1ea3n n\u1ee3 v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 h\u1ee3p ph\u00e1p.<\/p>\n\n\n\n<p><strong>3. Quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean li\u00ean quan<\/strong><\/p>\n\n\n\n<p><em>3.1. Ng\u00e2n h\u00e0ng (B\u00ean b\u00e1n n\u1ee3)<\/em><\/p>\n\n\n\n<p><strong>Quy\u1ec1n: <\/strong>Chuy\u1ec3n nh\u01b0\u1ee3ng kho\u1ea3n n\u1ee3 c\u00f9ng v\u1edbi quy\u1ec1n x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; Nh\u1eadn ti\u1ec1n thanh to\u00e1n t\u1eeb b\u00ean mua n\u1ee3.<\/p>\n\n\n\n<p><strong>Ngh\u0129a v\u1ee5: <\/strong>Cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c h\u1ed3 s\u01a1 ph\u00e1p l\u00fd v\u00e0 th\u00f4ng tin v\u1ec1 kho\u1ea3n n\u1ee3 c\u0169ng nh\u01b0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; \u0110\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a kho\u1ea3n n\u1ee3 t\u1ea1i th\u1eddi \u0111i\u1ec3m chuy\u1ec3n nh\u01b0\u1ee3ng.<\/p>\n\n\n\n<p><em>3.2. T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh (B\u00ean mua n\u1ee3)<\/em><\/p>\n\n\n\n<p><strong>Quy\u1ec1n: <\/strong>K\u1ebf th\u1eeba to\u00e0n b\u1ed9 quy\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m; Ti\u1ebfn h\u00e0nh x\u1eed l\u00fd B\u0110S b\u1ea3o \u0111\u1ea3m th\u00f4ng qua th\u1ecfa thu\u1eadn ho\u1eb7c \u0111\u1ea5u gi\u00e1 \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n\n\n\n<p><strong>Ngh\u0129a v\u1ee5: <\/strong>Thanh to\u00e1n ti\u1ec1n mua n\u1ee3 \u0111\u00fang h\u1ea1n cho ng\u00e2n h\u00e0ng; Th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh v\u1ec1 \u0111\u1ea5t \u0111ai v\u00e0 thu\u1ebf khi nh\u1eadn v\u00e0 chuy\u1ec3n nh\u01b0\u1ee3ng B\u0110S.<\/p>\n\n\n\n<p><em>3.3. Ng\u01b0\u1eddi vay (B\u00ean th\u1ebf ch\u1ea5p)<\/em><\/p>\n\n\n\n<p><strong>Ngh\u0129a v\u1ee5: <\/strong>B\u00e0n giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m cho b\u00ean c\u00f3 quy\u1ec1n x\u1eed l\u00fd khi kho\u1ea3n vay \u0111\u1ebfn h\u1ea1n x\u1eed l\u00fd.<\/p>\n\n\n\n<p><strong>Quy\u1ec1n: <\/strong>\u0110\u01b0\u1ee3c nh\u1eadn l\u1ea1i ph\u1ea7n gi\u00e1 tr\u1ecb c\u00f2n l\u1ea1i sau khi t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 tr\u1eeb \u0111i to\u00e0n b\u1ed9 ngh\u0129a v\u1ee5 n\u1ee3.<\/p>\n\n\n\n<p><em>3.4. Ng\u01b0\u1eddi mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n (B\u00ean th\u1ee9 ba)<\/em><\/p>\n\n\n\n<p><strong>Quy\u1ec1n: <\/strong>\u0110\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t sau khi ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd.<\/p>\n\n\n\n<p><strong>Ngh\u0129a v\u1ee5: <\/strong>Thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 ti\u1ec1n mua t\u00e0i s\u1ea3n; N\u1ed9p c\u00e1c lo\u1ea1i thu\u1ebf, ph\u00ed theo quy \u0111\u1ecbnh (v\u00ed d\u1ee5: thu\u1ebf tr\u01b0\u1edbc b\u1ea1) \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c sang t\u00ean.<\/p>\n\n\n\n<p>V\u0102N B\u1ea2N PH\u00c1P LU\u1eacT \u0110I\u1ec0U CH\u1ec8NH<\/p>\n\n\n\n<p>Ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3 v\u00e0 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a nhi\u1ec1u v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kh\u00e1c nhau. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c v\u0103n b\u1ea3n ch\u00ednh v\u00e0 vai tr\u00f2 c\u1ee7a ch\u00fang:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>V\u0103n b\u1ea3n ph\u00e1p lu\u1eadt<\/strong><\/td><td><strong>\u0110i\u1ec1u kho\u1ea3n li\u00ean quan<\/strong><\/td><td><strong>N\u1ed9i dung \u0111i\u1ec1u ch\u1ec9nh ch\u00ednh<\/strong><\/td><\/tr><\/thead><tbody><tr><td>B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015<\/td><td>\u0110i\u1ec1u 365 \u2013 371<\/td><td>Quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c chuy\u1ec3n giao quy\u1ec1n y\u00eau c\u1ea7u (quy\u1ec1n b\u00e1n n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 quy\u1ec1n k\u1ebf th\u1eeba c\u1ee7a b\u00ean mua n\u1ee3).<\/td><\/tr><tr><td><\/td><td>\u0110i\u1ec1u 299 \u2013 303<\/td><td>Quy \u0111\u1ecbnh v\u1ec1 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (th\u1ecfa thu\u1eadn ho\u1eb7c \u0111\u1ea5u gi\u00e1).<\/td><\/tr><tr><td><\/td><td>\u0110i\u1ec1u 309 \u2013 317<\/td><td>Quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean trong h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n.<\/td><\/tr><tr><td>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024<\/td><td>\u0110i\u1ec1u 139, 197; Ch\u01b0\u01a1ng v\u1ec1 x\u1eed l\u00fd n\u1ee3 x\u1ea5u (\u0110i\u1ec1u 198-210)<\/td><td>Cung c\u1ea5p c\u01a1 s\u1edf ph\u00e1p l\u00fd cho TCTD \u0111\u01b0\u1ee3c quy\u1ec1n b\u00e1n n\u1ee3 v\u00e0 chuy\u1ec3n giao t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m.<\/td><\/tr><tr><td>Lu\u1eadt \u0110\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n 2016<\/td><td>\u0110i\u1ec1u 4, 7, 35-50<\/td><td>Quy \u0111\u1ecbnh t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m v\u00e0 n\u1ee3 x\u1ea5u l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ea3i \u0111\u1ea5u gi\u00e1 (n\u1ebfu kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn), c\u00f9ng v\u1edbi tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c v\u00e0 nguy\u00ean t\u1eafc b\u1ea3o v\u1ec7 c\u00e1c b\u00ean.<\/td><\/tr><tr><td>Lu\u1eadt \u0110\u1ea5t \u0111ai 2013\/2024<\/td><td>\u0110i\u1ec1u 167, 188 (Lu\u1eadt 2013) \u0110i\u1ec1u 27, 46 (Lu\u1eadt 2024)<\/td><td>\u0110\u1eb7t ra c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 B\u0110S \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n nh\u01b0\u1ee3ng (ph\u1ea3i c\u00f3 Gi\u1ea5y ch\u1ee9ng nh\u1eadn, kh\u00f4ng tranh ch\u1ea5p, kh\u00f4ng b\u1ecb k\u00ea bi\u00ean).<\/td><\/tr><tr><td>Lu\u1eadt Kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n 2023<\/td><td>\u0110i\u1ec1u 9 \u2013 11, 55 &#8211; 57<\/td><td>\u0110\u1eb7t ra c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi B\u0110S khi \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o kinh doanh v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng gi\u1eefa c\u00e1c doanh nghi\u1ec7p.<\/td><\/tr><tr><td>Lu\u1eadt Thu\u1ebf TNDN 2025<\/td><td>\u0110i\u1ec1u 3.2.b<\/td><td>Quy \u0111\u1ecbnh thu nh\u1eadp t\u1eeb chuy\u1ec3n nh\u01b0\u1ee3ng B\u0110S l\u00e0 kho\u1ea3n thu nh\u1eadp ch\u1ecbu thu\u1ebf ri\u00eang v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb v\u1edbi c\u00e1c kho\u1ea3n l\u1ed7 t\u1eeb ho\u1ea1t \u0111\u1ed9ng kinh doanh kh\u00e1c.<\/td><\/tr><tr><td>Ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn<\/td><td>62\/2017\/N\u0110-CP, &nbsp;103\/2024\/N\u0110-CP<\/td><td>H\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 th\u1ee7 t\u1ee5c \u0111\u1ea5u gi\u00e1 (bao g\u1ed3m c\u1ea3 VAMC) v\u00e0 c\u00e1ch x\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh v\u1ec1 \u0111\u1ea5t \u0111ai khi c\u00f3 s\u1ef1 chuy\u1ec3n giao B\u0110S.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Ho\u1ea1t \u0111\u1ed9ng mua b\u00e1n n\u1ee3, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m l\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 quan tr\u1ecdng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng x\u1eed l\u00fd n\u1ee3 x\u1ea5u v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0. Qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh b\u1edfi m\u1ed9t h\u1ec7 th\u1ed1ng [&hellip;]<\/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":[58,56,57,59],"class_list":["post-1014","post","type-post","status-publish","format-standard","hentry","category-doi-song","tag-hoat-dong-mua-ban-no","tag-mua-ban-no-ngan-hang","tag-quyen-ban-no-cua-ngan-hang","tag-xu-ly-tai-san-bao-dam"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1014","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=1014"}],"version-history":[{"count":2,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1014\/revisions"}],"predecessor-version":[{"id":1174,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/posts\/1014\/revisions\/1174"}],"wp:attachment":[{"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/media?parent=1014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/categories?post=1014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truongthanhgiang.com\/index.php\/wp-json\/wp\/v2\/tags?post=1014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}