{"id":11286,"date":"2020-04-14T01:46:03","date_gmt":"2020-04-13T18:46:03","guid":{"rendered":"https:\/\/authentic.vn\/forum\/tintuc\/?p=11286"},"modified":"2020-04-14T01:46:03","modified_gmt":"2020-04-13T18:46:03","slug":"gpbank-doi-phat-khach-hang-150-lai-vay-vi-khong-tra-duoc-no-toa-noi-khong","status":"publish","type":"post","link":"https:\/\/authentic.com.vn\/forum\/tintuc\/gpbank-doi-phat-khach-hang-150-lai-vay-vi-khong-tra-duoc-no-toa-noi-khong\/","title":{"rendered":"GPBank \u0111\u00f2i ph\u1ea1t kh\u00e1ch h\u00e0ng 150% l\u00e3i vay v\u00ec kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, T\u00f2a n\u00f3i kh\u00f4ng!"},"content":{"rendered":"
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Ng\u00e2n h\u00e0ng kh\u00e1ng c\u00e1o b\u1ea3n \u00e1n s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, y\u00eau c\u1ea7u t\u00ednh b\u1eb1ng 150% l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 kho\u1ea3n ti\u1ec1n l\u00e3i ph\u1ea1t nh\u01b0 th\u1ecfa thu\u1eadn cho vay.<\/strong><\/div>\n<\/div>\n
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N\u0103m 2011, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i TNHH MTV D\u1ea7u kh\u00ed (GPbank) k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi v\u1ee3 ch\u1ed3ng anh Tr\u01b0\u01a1ng V\u0103n Q. s\u1ed1 ti\u1ec1n 2 t\u1ef7 \u0111\u1ed3ng \u0111\u1ec3 b\u1ed5 sung v\u1ed1n kinh doanh m\u1eb7t h\u00e0ng \u0111\u1ed3 g\u1ed7.<\/p>\n

Th\u1eddi h\u1ea1n vay 12 th\u00e1ng, l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i thay \u0111\u1ed5i 1 th\u00e1ng\/l\u1ea7n; l\u00e3i su\u1ea5t k\u1ef3 \u0111\u1ea7u ti\u00ean l\u00e0 22,5%\/n\u0103m. L\u00e3i su\u1ea5t cho vay c\u00e1c k\u1ef3 ti\u1ebfp theo b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m k\u1ef3 h\u1ea1n 21 th\u00e1ng tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3 c\u1ed9ng bi\u00ean \u0111\u1ed9 8,5%\/n\u0103m.<\/p>\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay tr\u00ean, kh\u00e1ch h\u00e0ng \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba g\u1ed3m 2 gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t v\u00e0 t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi \u0111\u1ea5t.<\/p>\n

Qu\u00e1 tr\u00ecnh vay, b\u00ean vay vi ph\u1ea1m ngh\u0129a v\u1ee5 thanh to\u00e1n. GPBank t\u00ednh n\u1ee3 \u0111\u1ebfn ng\u00e0y 28\/2\/2019 g\u1ed3m n\u1ee3 g\u1ed1c l\u00e0 2 t\u1ef7 \u0111\u1ed3ng; n\u1ee3 l\u00e3i trong h\u1ea1n 70 tri\u1ec7u \u0111\u1ed3ng; n\u1ee3 l\u00e3i qu\u00e1 h\u1ea1n 4 t\u1ef7 \u0111\u1ed3ng v\u00e0 l\u00e3i ph\u1ea1t 144,9 tri\u1ec7u \u0111\u1ed3ng. T\u1ed5ng c\u1ed9ng l\u00e0 6,3 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

\u0110\u1ea7u n\u0103m 2019, c\u1ea5p s\u01a1 th\u1ea9m l\u00e0 TAND huy\u1ec7n \u0110\u00f4ng Anh \u0111\u00e3 ch\u1ea5p nh\u1eadn m\u1ed9t ph\u1ea7n y\u00eau c\u1ea7u kh\u1edfi ki\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng, bu\u1ed9c b\u00ean vay ph\u1ea3i tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i l\u00e0 5,4 t\u1ef7 \u0111\u1ed3ng. Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n \u0111\u1ec1 ngh\u1ecb ph\u00e1t m\u1ea1i x\u1eed l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/p>\n

B\u1ea3n \u00e1n s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn kho\u1ea3n ti\u1ec1n l\u00e3i qu\u00e1 h\u1ea1n v\u00e0\u00a0 ti\u1ec1n l\u00e3i ph\u1ea1t 819 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Sau phi\u00ean t\u00f2a tr\u00ean, ng\u00e2n h\u00e0ng \u0111\u00e3 kh\u00e1ng c\u00e1o, \u0111\u1ec1 ngh\u1ecb c\u1ea5p ph\u00fac th\u1ea9m x\u00e1c \u0111\u1ecbnh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 kho\u1ea3n ti\u1ec1n l\u00e3i ph\u1ea1t 819 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

M\u1edbi \u0111\u00e2y, TAND TP H\u00e0 N\u1ed9i \u0111\u00e3 x\u00e9t x\u1eed ph\u00fac th\u1ea9m v\u1ee5 vi\u1ec7c tr\u00ean.<\/p>\n

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H\u0110XX nh\u1eadn \u0111\u1ecbnh, do h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng \u0111\u1ebfn nay ch\u01b0a th\u1ef1c hi\u1ec7n xong n\u00ean \u00e1p d\u1ee5ng B\u1ed9 Lu\u1eadt d\u00e2n s\u1ef1 n\u0103m 2005, Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft.<\/p>\n

T\u1ea1i th\u1eddi \u0111i\u1ec3m vay, hai b\u00ean th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t cho vay l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi Th\u00f4ng t\u01b0 12\/2010\/TTNHNN ng\u00e0y 14\/4\/2010 c\u1ee7a NHNN. Vi\u1ec7c c\u00e1c b\u00ean th\u1ecfa thu\u1eadn l\u00e3i su\u1ea5t ph\u1ea1t ch\u1eadm tr\u1ea3 l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p. Do \u0111\u00f3, t\u00f2a s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn l\u00e0 c\u00f3 c\u0103n c\u1ee9.<\/p>\n

V\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t, c\u1ea5p ph\u00fac th\u1ea9m cho r\u1eb1ng, theo quy\u1ebft \u0111\u1ecbnh 2868\/Q\u0110-NHNN ng\u00e0y 29\/11\/2010 c\u1ee7a NHNN quy \u0111\u1ecbnh l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng t\u1eeb n\u0103m 2010 l\u00e0 9%\/n\u0103m, \u0111\u1ebfn nay kh\u00f4ng thay \u0111\u1ed5i.<\/p>\n

Theo th\u1ecfa thu\u1eadn, l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i, thay \u0111\u1ed5i 1 th\u00e1ng\/1 l\u1ea7n l\u00e3i su\u1ea5t trong h\u1ea1n k\u1ef3 \u0111\u1ea7u ti\u00ean l\u00e0 22,5%; l\u00e3i su\u1ea5t n\u1ee3 qu\u00e1 h\u1ea1n b\u1eb1ng 150% l\u00e3i su\u1ea5t vay trong h\u1ea1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh khi kho\u1ea3n vay chuy\u1ec3n sang qu\u00e1 h\u1ea1n.<\/p>\n

Tuy nhi\u00ean, t\u1eeb n\u0103m 2012, NHNN c\u00f3 quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh kinh t\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 th\u1ef1c hi\u1ec7n. M\u1ee9c l\u00e3i su\u1ea5t cho vay s\u1ebd thay \u0111\u1ed5i theo vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t c\u1ee7a NHNN t\u1eebng th\u1eddi \u0111i\u1ec3m.<\/p>\n

C\u1ee5 th\u1ec3, theo Th\u00f4ng t\u01b0 s\u1ed1 20\/2012 ng\u00e0y 8\/6\/2012 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c NHNN quy \u0111\u1ecbnh, l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n t\u1ed1i \u0111a l\u00e0 13%\/n\u0103m. T\u1eeb n\u0103m 2012 \u0111\u1ebfn nay, NHNN c\u00f3 nhi\u1ec1u th\u00f4ng t\u01b0 \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t theo t\u1eebng th\u1eddi k\u1ef3 v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t gi\u1ea3m d\u1ea7n t\u1eeb 12%\/n\u0103m xu\u1ed1ng 6,5%\/n\u0103m.<\/p>\n

T\u00f2a \u00e1n th\u1ea5y r\u1eb1ng, ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng thanh to\u00e1n m\u1ee9c l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n 150% tr\u00ean m\u1ee9c l\u00e3i su\u1ea5t 22,5% k\u1ec3 t\u1eeb n\u0103m 2012 \u0111\u1ebfn ng\u00e0y x\u00e9t x\u1eed s\u01a1 th\u1ea9m l\u00e0 qu\u00e1 cao.<\/p>\n

C\u1ea5p s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn ph\u1ea7n l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n v\u01b0\u1ee3t qu\u00e1 m\u1ee9c l\u00e3i su\u1ea5t theo h\u1ee3p \u0111\u1ed3ng v\u00e0 l\u00e3i ph\u1ea1t 819 tri\u1ec7u \u0111\u1ed3ng l\u00e0 \u0111\u00fang. T\u1eeb \u0111\u00f3, H\u0110XX kh\u00f4ng ch\u1ea5p nh\u1eadn \u0111\u01a1n kh\u00e1ng c\u00e1o c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Theo B\u00e1o \u0110\u1ea7u T\u01b0 Ch\u1ee9ng Kho\u00e1n.<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng kh\u00e1ng c\u00e1o b\u1ea3n \u00e1n s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, y\u00eau c\u1ea7u t\u00ednh b\u1eb1ng 150% l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 kho\u1ea3n ti\u1ec1n l\u00e3i ph\u1ea1t nh\u01b0 th\u1ecfa thu\u1eadn cho vay. N\u0103m 2011, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i TNHH MTV D\u1ea7u kh\u00ed (GPbank) k\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng v\u1edbi v\u1ee3 […]<\/p>\n","protected":false},"author":3,"featured_media":11287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"fimg_url":"https:\/\/authentic.com.vn\/forum\/tintuc\/wp-content\/uploads\/2020\/04\/Ly-h\u00f4n-t\u1ea1i-T\u00f2a-\u00e1n-nh\u00e2n-d\u00e2n-qu\u1eadn-5-1.jpg","yoast_head":"\nGPBank \u0111\u00f2i ph\u1ea1t kh\u00e1ch h\u00e0ng 150% l\u00e3i vay v\u00ec kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, T\u00f2a n\u00f3i kh\u00f4ng!<\/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:\/\/authentic.com.vn\/forum\/tintuc\/gpbank-doi-phat-khach-hang-150-lai-vay-vi-khong-tra-duoc-no-toa-noi-khong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"GPBank \u0111\u00f2i ph\u1ea1t kh\u00e1ch h\u00e0ng 150% l\u00e3i vay v\u00ec kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3, T\u00f2a n\u00f3i kh\u00f4ng!\" \/>\n<meta property=\"og:description\" content=\"Ng\u00e2n h\u00e0ng kh\u00e1ng c\u00e1o b\u1ea3n \u00e1n s\u01a1 th\u1ea9m kh\u00f4ng ch\u1ea5p nh\u1eadn c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t qu\u00e1 h\u1ea1n, y\u00eau c\u1ea7u t\u00ednh b\u1eb1ng 150% l\u00e3i su\u1ea5t vay trong h\u1ea1n v\u00e0 kho\u1ea3n ti\u1ec1n l\u00e3i ph\u1ea1t nh\u01b0 th\u1ecfa thu\u1eadn cho vay. 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