{"id":19494,"date":"2012-03-18T09:03:24","date_gmt":"2012-03-18T09:03:24","guid":{"rendered":""},"modified":"2012-03-18T09:03:24","modified_gmt":"2012-03-18T09:03:24","slug":"chua-de-kich-hoat-tin-dung-ca-nhan","status":"publish","type":"post","link":"https:\/\/dntieubieuna.vn\/?p=19494","title":{"rendered":"Ch\u01b0a d\u1ec5 k\u00edch ho\u1ea1t t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n"},"content":{"rendered":"

Sau khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1ea3m 1%\/n\u0103m \u0111\u1ed1i v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng VND, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 h\u1ea1 l\u00e3i su\u1ea5t cho vay, song m\u1ea3ng cho vay v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n kh\u00f4ng d\u1ec5 t\u0103ng.<\/FONT><\/STRONG><\/P>

<\/A>


\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u (ACB) cho bi\u1ebft, Ng\u00e2n h\u00e0ng n\u00e0y d\u00e0nh t\u1edbi 7.000 t\u1ef7 \u0111\u1ed3ng cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n tr\u01b0\u1edbc. C\u1ee5 th\u1ec3, t\u1eeb ng\u00e0y 7\/3, ACB \u0111\u00e3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay trung b\u00ecnh \u0111\u1ebfn 1,5%\/n\u0103m so v\u1edbi l\u00e3i su\u1ea5t \u0111ang \u00e1p d\u1ee5ng t\u1eeb \u0111\u1ea7u n\u0103m 2012. Theo ACB, v\u1edbi h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 17% trong n\u0103m nay, ACB t\u1eadp trung ngu\u1ed3n v\u1ed1n \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh cho vay ph\u1ee5c v\u1ee5 c\u00e1c l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t – kinh doanh c\u1ee7a c\u00e1 nh\u00e2n, h\u1ed9 kinh doanh, doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba c\u0169ng nh\u01b0 c\u00e1c nhu c\u1ea7u v\u1ec1 nh\u00e0 \u0111\u1ec3 \u1edf c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.<\/FONT><\/SPAN> <\/FONT><\/SPAN><\/SPAN><\/DIV>

\u00d4ng B\u00f9i T\u1ea5n T\u00e0i, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c, ki\u00eam Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n ACB cho bi\u1ebft, ACB \u0111\u00e3 x\u00e2y d\u1ef1ng nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh kinh doanh \u0111\u1eb7c th\u00f9, nh\u01b0 ch\u01b0\u01a1ng tr\u00ecnh \u201ct\u00edch l\u0169y t\u1eeb l\u01b0\u01a1ng, d\u1ef1ng x\u00e2y t\u1ed5 \u1ea5m\u201d d\u00e0nh cho c\u00e1 nh\u00e2n c\u00f3 ngu\u1ed3n thu nh\u1eadp \u1ed5n \u0111\u1ecbnh t\u1eeb l\u01b0\u01a1ng \u0111\u1ec3 vay mua nh\u00e0 ho\u1eb7c s\u1eeda ch\u1eefa nh\u00e0 \u0111\u1ec3 \u1edf v\u1edbi \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t gi\u1ea3m th\u00eam 1%\/n\u0103m so v\u1edbi tr\u01b0\u1edbc; ch\u01b0\u01a1ng tr\u00ecnh \u201cho\u00e0n l\u1ea1i v\u1ed1n vay kinh doanh \u0111\u00e3 g\u00f3p\u201d cho c\u00e1c kh\u00e1ch h\u00e0ng hi\u1ec7n h\u1eefu,  v\u1edbi m\u1ee9c \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t gi\u1ea3m th\u00eam 1,8%\/n\u0103m\u2026<\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

\u201cTuy nhi\u00ean, c\u00e1i kh\u00f3 nh\u1ea5t  \u0111\u1ed1i v\u1edbi t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n ch\u00ednh l\u00e0 \u00e1p l\u1ef1c l\u00e3i vay c\u00f2n cao, d\u00f9 \u0111\u00e3 t\u1eebng b\u01b0\u1edbc \u0111i\u1ec1u ch\u1ec9nh gi\u1ea3m. T\u1ea1i ACB, l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n mua nh\u00e0 d\u01b0\u1edbi h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p dao \u0111\u1ed9ng 18,5 – 20%\/n\u0103m. Do \u0111\u00f3, nh\u1eefng ng\u01b0\u1eddi c\u1ea7n v\u1ed1n mua nh\u00e0 \u1edf c\u0169ng ch\u01b0a d\u00e1m ti\u1ebfp c\u1eadn v\u1ed1n ng\u00e2n h\u00e0ng. V\u00ec th\u1ebf, t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng ch\u1eadm l\u1ea1i\u201d, \u00f4ng T\u00e0i n\u00f3i. <\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

T\u01b0\u01a1ng t\u1ef1 nh\u01b0 ACB, ANZ Vi\u1ec7t Nam c\u0169ng v\u1eeba \u0111\u01b0a ra ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 m\u1ee9c l\u00e3i su\u1ea5t 2%\/n\u0103m cho kho\u1ea3n vay mua nh\u00e0, vay th\u1ebf ch\u1ea5p nh\u00e0 d\u00e0nh cho t\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng n\u1ed9p h\u1ed3 s\u01a1 vay m\u1edbi t\u1eeb nay \u0111\u1ebfn h\u1ebft ng\u00e0y 31\/5 v\u00e0 gi\u1ea3i ng\u00e2n tr\u01b0\u1edbc ng\u00e0y 30\/6. M\u1ee9c h\u1ed7 tr\u1ee3 n\u00e0y \u00e1p d\u1ee5ng trong 3 th\u00e1ng \u0111\u1ea7u ti\u00ean cho c\u00e1c kho\u1ea3n gi\u1ea3i ng\u00e2n l\u1ea7n \u0111\u1ea7u t\u1eeb 500 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean. Theo ANZ, c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u vay v\u1ed1n mua nh\u00e0 s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay, nh\u01b0ng m\u1ee9c th\u1ea5p nh\u1ea5t v\u1eabn l\u00e0 17,5%\/n\u0103m. B\u00ean c\u1ea1nh \u0111\u00f3, kh\u00e1ch h\u00e0ng thu\u1ed9c nh\u00f3m \u01b0u ti\u00ean s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t \u0111\u1eb7c bi\u1ec7t (17%\/n\u0103m) cho c\u00e1c kho\u1ea3n gi\u1ea3i ng\u00e2n trong 3 th\u00e1ng \u0111\u1ea7u ti\u00ean. <\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

\u00d4ng D\u01b0\u01a1ng \u0110\u1ee9c H\u00f9ng, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb (ANZ Vi\u1ec7t Nam) cho bi\u1ebft, trong b\u1ed1i c\u1ea3nh kinh t\u1ebf c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n, l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i tr\u00ean \u0111\u00e3 th\u1ec3 hi\u1ec7n n\u1ed7 l\u1ef1c c\u1ee7a ANZ trong vi\u1ec7c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 s\u1edf h\u1eefu ng\u00f4i nh\u00e0 m\u01a1 \u01b0\u1edbc c\u1ee7a m\u00ecnh. L\u00e3i su\u1ea5t vay v\u1ed1n \u0111\u01b0\u1ee3c ANZ t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n vay gi\u1ea3m d\u1ea7n, th\u1eddi h\u1ea1n vay \u0111\u1ebfn 20 n\u0103m v\u00e0 h\u1ea1n m\u1ee9c kho\u1ea3n vay l\u00ean \u0111\u1ebfn 70% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. ANZ c\u00f2n cho ph\u00e9p kh\u00e1ch h\u00e0ng ch\u1ecdn k\u1ef3 l\u00e3i su\u1ea5t linh ho\u1ea1t 1 – 3 – 6 th\u00e1ng. <\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

T\u1eeb nay \u0111\u1ebfn h\u1ebft ng\u00e0y 30\/4, ABBank c\u0169ng \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t cho kh\u00e1ch h\u00e0ng vay s\u1ea3n xu\u1ea5t – kinh doanh. C\u1ee5 th\u1ec3, ABBank gi\u1ea3m ngay l\u00e3i su\u1ea5t cho vay 1,5%\/n\u0103m so v\u1edbi l\u00e3i su\u1ea5t ban h\u00e0nh c\u1ee7a s\u1ea3n ph\u1ea9m t\u1eebng th\u1eddi k\u1ef3 trong k\u1ef3 l\u00e3i \u0111\u1ea7u ti\u00ean ngay khi gi\u1ea3i ng\u00e2n. M\u1ee9c cho vay t\u1ed1i \u0111a 80% gi\u00e1 tr\u1ecb \u0111\u1ea3m b\u1ea3o, th\u1eddi h\u1ea1n vay t\u1ed1i \u0111a 120 th\u00e1ng \u00e1p d\u1ee5ng cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, h\u1ed9 kinh doanh c\u00e1 th\u1ec3. ABBank d\u1ef1 ki\u1ebfn d\u00e0nh h\u01a1n 800 t\u1ef7 \u0111\u1ed3ng \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t cho vay kinh doanh c\u00e1 nh\u00e2n. L\u00e3nh \u0111\u1ea1o ABBank k\u1ef3 v\u1ecdng, v\u1edbi vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay v\u00e0 ch\u00ednh s\u00e1ch cho vay \u0111\u01a1n gi\u1ea3n, c\u00e1c kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n vay d\u1ec5 d\u00e0ng h\u01a1n tr\u01b0\u1edbc. <\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

Tuy v\u1eady, nhi\u1ec1u chuy\u00ean gia  d\u1ef1 b\u00e1o, t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n kh\u00f3 t\u0103ng tr\u01b0\u1edfng, n\u1ebfu l\u00e3i su\u1ea5t kh\u00f4ng gi\u1ea3m m\u1ea1nh h\u01a1n. L\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111ang \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u1edf m\u1ee9c 18 – 21%\/n\u0103m \u1edf ng\u00e2n h\u00e0ng l\u1edbn v\u00e0 20 – 25%\/n\u0103m \u1edf ng\u00e2n h\u00e0ng nh\u1ecf, n\u00ean kh\u00f4ng d\u1ec5 thu h\u00fat \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi, quy \u0111\u1ecbnh t\u0103ng tr\u01b0\u1edfng d\u01b0 n\u1ee3 phi s\u1ea3n xu\u1ea5t n\u0103m nay t\u1ea1i Ch\u1ec9 th\u1ecb 01\/2012\/CT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eabn ki\u1ec3m so\u00e1t ch\u1eb7t d\u01b0\u1edbi 16%. <\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P>

Theo TS. Tr\u1ea7n Du L\u1ecbch,  l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m d\u1ea7n, c\u00f3 l\u1ed9 tr\u00ecnh, ch\u1ee9 kh\u00f4ng th\u1ec3 gi\u1ea3m \u1ed3 \u1ea1t, v\u00ec n\u1ebfu m\u1ee5c ti\u00eau ki\u1ec3m so\u00e1t CPI n\u0103m nay \u1edf m\u1ee9c 9%, th\u00ec l\u00e3i su\u1ea5t huy \u0111\u1ed9ng cu\u1ed1i n\u0103m  ph\u1ea3i \u1edf m\u1ee9c 10 – 11%\/n\u0103m. \u201cDo l\u00e3i su\u1ea5t cho vay \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean n\u1ec1n CPI c\u1ed9ng v\u1edbi 2- 3%\/n\u0103m l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m th\u1ef1c d\u01b0\u01a1ng v\u00e0 3 – 4%\/n\u0103m chi ph\u00ed c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec l\u00e3i su\u1ea5t cho vay tr\u01b0\u1edbc m\u1eaft ch\u1ec9 gi\u1ea3m xu\u1ed1ng m\u1ee9c t\u01b0\u01a1ng \u0111\u1ed1i\u201d, \u00f4ng L\u1ecbch n\u00f3i.

                                                                           Theo B\u00e1o \u0110\u1ea7u T\u01b0<\/EM><\/STRONG><\/FONT><\/SPAN><\/SPAN><\/SPAN><\/P><\/p>\n","protected":false},"excerpt":{"rendered":"

Sau khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1ea3m 1%\/n\u0103m \u0111\u1ed1i v\u1edbi tr\u1ea7n l\u00e3i su\u1ea5t huy \u0111\u1ed9ng VND, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 h\u1ea1 l\u00e3i su\u1ea5t cho vay, song m\u1ea3ng cho vay v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n kh\u00f4ng d\u1ec5 t\u0103ng.\u0110\u1ea1i di\u1ec7n Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u (ACB) cho bi\u1ebft, Ng\u00e2n h\u00e0ng n\u00e0y d\u00e0nh t\u1edbi 7.000 t\u1ef7 \u0111\u1ed3ng cho […]<\/p>\n","protected":false},"author":2,"featured_media":19488,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[63],"tags":[],"_links":{"self":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/19494"}],"collection":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19494"}],"version-history":[{"count":0,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/posts\/19494\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=\/wp\/v2\/media\/19488"}],"wp:attachment":[{"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dntieubieuna.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}