{"id":294,"date":"2013-06-16T10:33:34","date_gmt":"2013-06-16T03:33:34","guid":{"rendered":"http:\/\/hb.ezc.vn\/?p=294"},"modified":"2013-06-16T10:33:34","modified_gmt":"2013-06-16T03:33:34","slug":"cam-nang-vay-mua-nha-o-xa-hoi-voi-lai-suat-6","status":"publish","type":"post","link":"http:\/\/hb.ezc.vn\/?p=294","title":{"rendered":"C\u1ea9m nang vay mua nh\u00e0 \u1edf x\u00e3 h\u1ed9i v\u1edbi l\u00e3i su\u1ea5t 6%"},"content":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c :
\nhttp:\/\/www.baomoi.com\/Home\/NhaDat\/petrotimes.vn\/Cam-nang-vay-mua-nha-o-xa-hoi-voi-lai-suat-6\/11257201.epi<\/a><\/p>\n

Tr\u00edch :<\/p>\n

C\u0103n c\u1ee9 theo nh\u1eefng quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 11 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 Th\u00f4ng t\u01b0 07, \u0111\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n \u01b0u \u0111\u00e3i c\u1ee7a g\u00f3i h\u1ed7 tr\u1ee3 30.000 t\u1ec9 \u0111\u1ed3ng, ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n ph\u1ea3i l\u01b0u \u00fd \u0111\u1ebfn nh\u1eefng \u0111i\u1ec3m sau:<\/p>\n

1. \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 c\u00e1n b\u1ed9 c\u00f4ng ch\u1ee9c, vi\u00ean ch\u1ee9c h\u01b0\u1edfng l\u01b0\u01a1ng t\u1eeb ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc thu\u1ed9c c\u00e1c c\u01a1 quan \u0110\u1ea3ng, Nh\u00e0 n\u01b0\u1edbc, M\u1eb7t tr\u1eadn T\u1ed5 qu\u1ed1c v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ch\u00ednh tr\u1ecb – x\u00e3 h\u1ed9i, x\u00e3 h\u1ed9i – ngh\u1ec1 nghi\u1ec7p; vi\u00ean ch\u1ee9c thu\u1ed9c c\u00e1c \u0111\u01a1n v\u1ecb s\u1ef1 nghi\u1ec7p c\u00f4ng l\u1eadp; l\u1ef1c l\u01b0\u1ee3ng v\u0169 trang.<\/p>\n

Ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p l\u00e0 lao \u0111\u1ed9ng thu\u1ed9c c\u00e1c \u0111\u01a1n v\u1ecb s\u1ef1 nghi\u1ec7p ngo\u00e0i c\u00f4ng l\u1eadp, doanh nghi\u1ec7p thu\u1ed9c c\u00e1c th\u00e0nh ph\u1ea7n kinh t\u1ebf, h\u1ee3p t\u00e1c x\u00e3 th\u00e0nh l\u1eadp theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c ngh\u1ec9 lao \u0111\u1ed9ng theo ch\u1ebf \u0111\u1ed9 quy \u0111\u1ecbnh; ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ef1 do, kinh doanh c\u00e1 th\u1ec3.<\/p>\n

V\u00e0 t\u1ea5t nhi\u00ean, n\u1ebfu b\u1ea1n kh\u00f4ng n\u1eb1m trong nh\u1eefng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0y th\u00ec s\u1ebd kh\u00f4ng c\u00f3 c\u01a1 h\u1ed9i vay v\u1ed1n \u01b0u \u0111\u00e3i 6% t\u1eeb g\u00f3i h\u1ed7 tr\u1ee3 30.000 t\u1ec9 \u0111\u1ed3ng n\u00e0y.<\/p>\n

2. Sau khi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n tr\u00ean, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea7n ph\u1ea3i t\u1ef1 \u201ctr\u1ea3 l\u1eddi\u201d c\u00e1c c\u00e2u h\u1ecfi sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, b\u1ea1n \u0111\u00e3 c\u00f3 nh\u00e0 s\u1edf h\u1eefu c\u1ee7a m\u00ecnh hay ch\u01b0a? Ho\u1eb7c di\u1ec7n t\u00edch nh\u00e0 \u1edf b\u00ecnh qu\u00e2n c\u00f3 th\u1ea5p h\u01a1n 8m2\/ng\u01b0\u1eddi v\u00e0 n\u1ebfu l\u00e0 nh\u00e0 ri\u00eang l\u1ebb th\u00ec khu\u00e2n vi\u00ean \u0111\u1ea5t c\u1ee7a nh\u00e0 \u1edf \u0111\u00f3 c\u00f3 th\u1ea5p h\u01a1n ti\u00eau chu\u1ea9n di\u1ec7n t\u00edch \u0111\u1ea5t t\u1ed1i thi\u1ec3u thu\u1ed9c di\u1ec7n \u0111\u01b0\u1ee3c ph\u00e9p c\u1ea3i t\u1ea1o, x\u00e2y d\u1ef1ng theo quy \u0111\u1ecbnh c\u1ee7a \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p t\u1ec9nh hay kh\u00f4ng?<\/p>\n

Th\u1ee9 hai, b\u1ea1n \u0111\u00e3 c\u00f3 h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa t\u1ea1i t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng n\u01a1i c\u00f3 d\u1ef1 \u00e1n nh\u00e0 \u1edf hay ch\u01b0a v\u00e0 n\u1ebfu l\u00e0 t\u1ea1m tr\u00fa th\u00ec \u0111\u00e3 \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u01b0\u1ee3c 1 n\u0103m ch\u01b0a? C\u00f2n n\u1ebfu \u0111\u00e3 c\u00f3 h\u1ee3p \u0111\u1ed3ng thu\u00ea, mua nh\u00e0 \u1edf th\u01b0\u01a1ng m\u1ea1i th\u00ec ph\u1ea3i xem h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 k\u00fd t\u1eeb bao gi\u1edd (theo quy \u0111\u1ecbnh ch\u1ec9 nh\u1eefng h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd sau ng\u00e0y 7\/1\/2013 l\u00e0 \u0111\u01b0\u1ee3c vay v\u1ed1n) v\u00e0 t\u1ea5t nhi\u00ean, di\u1ec7n t\u00edch nh\u00e0 kh\u00f4ng qu\u00e1 70 m2 v\u00e0 gi\u00e1 c\u0169ng ph\u1ea3i th\u1ea5p h\u01a1n 15 tri\u1ec7u \u0111\u1ed3ng\/m2.<\/p>\n

3. G\u00f3i h\u1ed7 tr\u1ee3 s\u1ebd ch\u1ec9 gi\u00e0nh cho nh\u1eefng h\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 v\u1edbi di\u1ec7n t\u00edch kh\u00f4ng qu\u00e1 70m2, gi\u00e1 b\u00e1n d\u01b0\u1edbi 15 tri\u1ec7u\/m2. Nh\u01b0 v\u1eady, \u0111i\u1ec1u \u0111\u1ea7u ti\u00ean ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u mua nh\u00e0 c\u1ea7n ph\u1ea3i l\u01b0u \u00fd l\u00e0 ph\u1ea3i l\u1ef1a ch\u1ecdn mua c\u0103n h\u1ed9 \u0111\u00e1p \u1ee9ng \u0111\u1ee7 2 ti\u00eau chu\u1ea9n tr\u00ean.<\/p>\n

4. C\u00f3 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n c\u0103n h\u1ed9.<\/p>\n

5. Sau khi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u tr\u00ean, n\u1ebfu b\u1ea1n l\u00e0 c\u00e1n b\u1ed9 c\u00f4ng ch\u1ee9c, l\u1ef1c l\u01b0\u1ee3ng v\u0169 trang… th\u00ec ph\u1ea3i xin gi\u1ea5y x\u00e1c nh\u1eadn c\u1ee7a \u0111\u01a1n v\u1ecb, c\u01a1 quan hi\u1ec7n \u0111ang c\u00f4ng t\u00e1c v\u1ec1 n\u01a1i c\u00f4ng t\u00e1c v\u00e0 th\u1ef1c tr\u1ea1ng nh\u00e0 \u1edf c\u1ee7a b\u1ea1n hi\u1ec7n nay. C\u00f2n n\u1ebfu b\u1ea1n thu\u1ed9c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p th\u00ec ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n x\u00e1c nh\u1eadn c\u1ee7a \u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p x\u00e3 (ph\u01b0\u1eddng) n\u01a1i b\u1ea1n \u0111\u0103ng k\u00fd h\u1ed9 kh\u1ea9u th\u01b0\u1eddng tr\u00fa ho\u1eb7c t\u1ea1m tr\u00fa x\u00e1c nh\u1eadn v\u1ec1 h\u1ed9 kh\u1ea9u v\u00e0 th\u1ef1c tr\u1ea1ng nh\u00e0 \u1edf c\u1ee7a b\u1ea1n.<\/p>\n

6. B\u1ea1n ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u 20% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9.<\/p>\n

Tr\u00ean \u0111\u00e2y l\u00e0 4 l\u01b0u \u00fd \u0111\u1ec3 b\u1ea1n xem x\u00e9t m\u00ecnh c\u00f3 thu\u1ed9c c\u00e1c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean hay kh\u00f4ng \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh n\u00ean hay kh\u00f4ng n\u00ean l\u00e0m h\u1ed3 s\u01a1.<\/p>\n

Ngo\u00e0i ra, n\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi may m\u1eafn \u0111\u01b0\u1ee3c vay v\u1ed1n t\u1eeb g\u00f3i h\u1ed7 tr\u1ee3 n\u00e0y th\u00ec c\u0169ng c\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec3m sau:<\/p>\n

Th\u1ee9 nh\u1ea5t, tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n (tr\u01b0\u1edbc 10 n\u0103m \u0111\u00e3 tr\u1ea3 h\u1ebft n\u1ee3) s\u1ebd b\u1ecb ph\u1ea1t tr\u00ean s\u1ed1 ti\u1ec1n n\u1ee3.<\/p>\n

Th\u1ee9 hai, l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh theo t\u1eebng n\u0103m t\u00f9y theo bi\u1ebfn \u0111\u1ed9ng c\u1ee7a m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, n\u0103m nay c\u00f3 th\u1ec3 l\u00e0 6% nh\u01b0ng sang n\u0103m c\u00f3 th\u1ec3 l\u00ean 7% ho\u1eb7c xu\u1ed1ng 5% t\u00f9y theo m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Th\u1ee9 ba, kho\u1ea3n vay c\u1ee7a b\u1ea1n c\u00f3 c\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p hay kh\u00f4ng s\u1ebd do ng\u00e2n h\u00e0ng n\u01a1i b\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 vay v\u1ed1n \u01b0u \u0111\u00e3i quy\u1ebft \u0111\u1ecbnh.<\/p>\n

Th\u1ee9 t\u01b0, 5 ng\u00e2n \u0111\u01b0\u1ee3c tham gia tri\u1ec3n khai g\u00f3i h\u1ed7 tr\u1ee3 l\u00e0: Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n n\u00f4ng th\u00f4n Vi\u1ec7t Nam; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n \u0110\u1ea7u t\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n Vi\u1ec7t Nam; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n C\u00f4ng th\u01b0\u01a1ng Vi\u1ec7t Nam; Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n Ph\u00e1t tri\u1ec3n nh\u00e0 \u0110\u1ed3ng b\u1eb1ng s\u00f4ng C\u1eedu Long.<\/p>\n

Nh\u01b0 v\u1eady, khi l\u00e0m h\u1ed3 s\u01a1 xin vay v\u1ed1n, b\u1ea1n c\u1ea7n ph\u1ea3i chu\u1ea9n b\u1ecb c\u00e1c v\u0103n b\u1ea3n: Gi\u1ea5y x\u00e1c nh\u1eadn c\u1ee7a c\u01a1 quan ho\u1eb7c ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng v\u1ec1 hi\u1ec7n tr\u1ea1ng nh\u00e0 b\u1ea1n \u0111ang \u1edf, v\u1ec1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n; c\u00f3 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n c\u0103n h\u1ed9 \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp sau ng\u00e0y 7\/1\/2013; c\u00f3 gi\u1ea5y ch\u1ee9ng minh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ee7 kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ed1i thi\u1ec3u 20% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9 theo gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng; c\u00f3 \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb vay v\u1ed1n \u0111\u1ec3 thanh to\u00e1n ph\u1ea7n thi\u1ebfu tr\u00ean t\u1ed5ng gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng.<\/p>\n

V\u0169 L\u00e2m<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c : http:\/\/www.baomoi.com\/Home\/NhaDat\/petrotimes.vn\/Cam-nang-vay-mua-nha-o-xa-hoi-voi-lai-suat-6\/11257201.epi Tr\u00edch : C\u0103n c\u1ee9 theo nh\u1eefng quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 11 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 Th\u00f4ng t\u01b0 07, \u0111\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n \u01b0u \u0111\u00e3i c\u1ee7a g\u00f3i h\u1ed7 tr\u1ee3 30.000 t\u1ec9 \u0111\u1ed3ng, ng\u01b0\u1eddi mua nh\u00e0 c\u1ea7n ph\u1ea3i l\u01b0u \u00fd \u0111\u1ebfn nh\u1eefng \u0111i\u1ec3m sau: 1. \u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":["post-294","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=\/wp\/v2\/posts\/294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=294"}],"version-history":[{"count":0,"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=\/wp\/v2\/posts\/294\/revisions"}],"wp:attachment":[{"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=294"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/hb.ezc.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}