{"id":10180,"date":"2025-05-04T15:12:02","date_gmt":"2025-05-04T08:12:02","guid":{"rendered":"https:\/\/test.dimac-law.com\/?p=10180"},"modified":"2026-10-02T16:25:29","modified_gmt":"2026-10-02T09:25:29","slug":"chuyen-khoan-vay-nuoc-ngoai-thanh-von-dieu-le","status":"publish","type":"post","link":"https:\/\/dimac-law.com\/vi\/chuyen-khoan-vay-nuoc-ngoai-thanh-von-dieu-le\/","title":{"rendered":"CHUY\u1ec2N KHO\u1ea2N VAY N\u01af\u1edaC NGO\u00c0I TH\u00c0NH V\u1ed0N \u0110I\u1ec0U L\u1ec6"},"content":{"rendered":"

Nguy\u1ec5n Ph\u01b0\u01a1ng Th\u1ea3o \u2013 Senior Associate<\/strong><\/p>\n

Nguy\u1ec5n Th\u1ecb H\u1ed3ng Nhung – Junior Associate<\/strong><\/p>\n

Nguy\u1ec5n Qu\u1ef3nh Nh\u01b0 – Junior Associate<\/strong><\/p>\n

D\u01b0\u01a1ng Ph\u01b0\u01a1ng Vy – Paralegal<\/strong><\/p>\n

1. Gi\u1edbi thi\u1ec7u<\/strong><\/h3>\n

Xu\u1ea5t ph\u00e1t t\u1eeb nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p (ng\u1eafn h\u1ea1n, trung – d\u00e0i h\u1ea1n ph\u1ee5c v\u1ee5 cho d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, k\u1ebf ho\u1ea1ch kinh doanh c\u1ee7a doanh nghi\u1ec7p, d\u1ef1 \u00e1n kh\u00e1c v\u00e0 c\u00e1c m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n h\u1ee3p ph\u00e1p kh\u00e1c), c\u00e1c t\u1ed5 ch\u1ee9c kinh t\u1ebf c\u00f3 th\u1ec3 x\u00e1c l\u1eadp c\u00e1c h\u1ee3p \u0111\u1ed3ng vay ho\u1eb7c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, trong \u0111\u00f3, c\u00e1c kho\u1ea3n vay, kho\u1ea3n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh gi\u1eefa c\u00f4ng ty m\u1eb9, c\u00f4ng ty th\u00e0nh vi\u00ean cho c\u00f4ng ty con l\u00e0 c\u00e1c kho\u1ea3n vay ph\u1ed5 bi\u1ebfn. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u00e1c b\u00ean \u0111\u00e3 tho\u1ea3 thu\u1eadn chuy\u1ec3n kho\u1ea3n vay th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 trong c\u00f4ng ty \u0111i vay.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i, khi th\u1ef1c hi\u1ec7n chuy\u1ec3n kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 s\u1ebd c\u1ea7n \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd ngo\u1ea1i h\u1ed1i b\u00ean c\u1ea1nh vi\u1ec7c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u1ea7u t\u01b0.<\/p>\n

B\u00e0i vi\u1ebft n\u00e0y c\u00e1c Lu\u1eadt s\u01b0 c\u1ee7a DIMAC s\u1ebd tr\u00ecnh b\u00e0y c\u00e1c v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng v\u00e0 \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7.<\/p>\n

2. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 m\u1ed9t kho\u1ea3n vay c\u00f3 th\u1ec3 chuy\u1ec3n th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7<\/strong><\/h3>\n

M\u1ed9t kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 chuy\u1ec3n th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u1ebfu \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:<\/p>\n

a. \u0110i\u1ec1u ki\u1ec7n 1: \u0110\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 kho\u1ea3n vay theo c\u00e1c h\u1ee3p \u0111\u1ed3ng vay h\u1ee3p ph\u00e1p, c\u00f3 gi\u00e1 tr\u1ecb r\u00fat v\u1ed1n<\/strong><\/p>\n

b. \u0110i\u1ec1u ki\u1ec7n 2: Kho\u1ea3n vay \u0111\u00e3 \u0111\u0103ng k\u00fd v\u1edbi SBV trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p b\u1eaft bu\u1ed9c<\/strong><\/p>\n

i. V\u00e0o th\u1eddi \u0111i\u1ec3m tr\u1ea3 n\u1ee3, kho\u1ea3n vay ng\u1eafn h\u1ea1n thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p <\/strong>kho\u1ea3n vay ng\u1eafn h\u1ea1n ph\u1ea3i \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i th\u00e0nh kho\u1ea3n vay trung-d\u00e0i h\u1ea1n \u0111\u1ec3 c\u00f3 th\u1ec3 tr\u1ea3 n\u1ee3 vay b\u1eb1ng h\u00ecnh th\u1ee9c chuy\u1ec3n th\u00e0nh v\u1ed1n g\u00f3p\/c\u1ed5 ph\u1ea7n trong th\u1eddi h\u1ea1n, bao g\u1ed3m tr\u01b0\u1eddng h\u1ee3p:<\/p>\n

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    • Kho\u1ea3n vay ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c gia h\u1ea1n th\u1eddi gian tr\u1ea3 n\u1ee3 g\u1ed1c m\u00e0 t\u1ed5ng th\u1eddi h\u1ea1n c\u1ee7a kho\u1ea3n vay l\u00e0 tr\u00ean 01 n\u0103m; ho\u1eb7c<\/li>\n
    • Kho\u1ea3n vay ng\u1eafn h\u1ea1n kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn gia h\u1ea1n nh\u01b0ng c\u00f2n d\u01b0 n\u1ee3 g\u1ed1c (bao g\u1ed3m c\u1ea3 n\u1ee3 l\u00e3i \u0111\u01b0\u1ee3c nh\u1eadp g\u1ed1c) t\u1ea1i th\u1eddi \u0111i\u1ec3m tr\u00f2n 01 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y r\u00fat v\u1ed1n \u0111\u1ea7u ti\u00ean.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

      L\u01b0u \u00fd tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay ng\u1eafn h\u1ea1n \u0111\u00e3 \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m tr\u00f2n 01 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y r\u00fat v\u1ed1n \u0111\u1ea7u ti\u00ean, b\u00ean \u0111i vay v\u00e0 b\u00ean cho vay ho\u00e0n th\u00e0nh thanh to\u00e1n d\u01b0 n\u1ee3 g\u1ed1c b\u1eb1ng h\u00ecnh th\u1ee9c chuy\u1ec3n th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 trong th\u1eddi gian 30 ng\u00e0y l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m tr\u00f2n 01 n\u0103m t\u00ednh t\u1eeb ng\u00e0y r\u00fat v\u1ed1n \u0111\u1ea7u ti\u00ean, th\u00ec kh\u00f4ng ph\u1ea3i \u0111\u0103ng k\u00fd chuy\u1ec3n kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n.<\/strong><\/p>\n

      ii. Thay \u0111\u1ed5i k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi <\/strong>kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n ph\u1ea3i th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd thay \u0111\u1ed5i kho\u1ea3n vay<\/p>\n

      iii. L\u01b0u \u00fd v\u1ec1 th\u1eddi h\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i kho\u1ea3n vay th\u00e0nh trung v\u00e0 d\u00e0i h\u1ea1n<\/strong> ((\u0110i\u1ec1u 15 Th\u00f4ng t\u01b0 12\/2022)<\/em><\/p>\n

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        • N\u1ebfu n\u1ed9p h\u1ed3 s\u01a1 gia h\u1ea1n trong v\u00f2ng 1 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y r\u00fat v\u1ed1n: th\u1eddi h\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 ph\u1ea3i th\u1ef1c hi\u1ec7n trong 30 ng\u00e0y<\/strong> l\u00e0m vi\u1ec7c t\u1eeb ng\u00e0y k\u00fd th\u1ecfa thu\u1eadn gia h\u1ea1n.<\/li>\n
        • N\u1ebfu n\u1ed9p h\u1ed3 s\u01a1 gia h\u1ea1n sau 1 n\u0103m: th\u1eddi h\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 ph\u1ea3i th\u1ef1c hi\u1ec7n trong \u00a060 ng\u00e0y<\/strong> l\u00e0m vi\u1ec7c k\u1ec3 t\u1eeb ng\u00e0y tr\u00f2n 1 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y r\u00fat v\u1ed1n \u0111\u1ea7u ti\u00ean.<\/li>\n
        • N\u1ebfu c\u00e1c b\u00ean kh\u00f4ng c\u00f3 th\u1ecfa thu\u1eadn gia h\u1ea1n: n\u1ed9p h\u1ed3 s\u01a1 trong 60 ng\u00e0y<\/strong> l\u00e0m vi\u1ec7c t\u00ednh t\u1eeb ng\u00e0y tr\u00f2n 1 n\u0103m theo th\u1eddi h\u1ea1n vay ng\u1eafn h\u1ea1n ban \u0111\u1ea7u.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

          c. \u0110i\u1ec1u ki\u1ec7n 3<\/u>: B\u00e1o c\u00e1o kho\u1ea3n vay ng\u1eafn h\u1ea1n v\u1edbi SBV \u0111\u1ecbnh k\u1ef3<\/strong><\/p>\n

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          • B\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3<\/strong>: \u0110\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng, ch\u1eadm nh\u1ea5t v\u00e0o ng\u00e0y 05 c\u1ee7a th\u00e1ng ti\u1ebfp theo k\u1ef3 b\u00e1o c\u00e1o, b\u00ean \u0111i vay ph\u1ea3i b\u00e1o c\u00e1o tr\u1ef1c tuy\u1ebfn t\u00ecnh h\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n vay t\u1ea1i Trang \u0111i\u1ec7n t\u1eed c\u1ee7a SBV ;<\/li>\n
          • B\u00e1o c\u00e1o \u0111\u1ed9t xu\u1ea5t<\/strong>: C\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t xu\u1ea5t ho\u1eb7c khi c\u1ea7n thi\u1ebft, b\u00ean \u0111i vay th\u1ef1c hi\u1ec7n b\u00e1o c\u00e1o theo y\u00eau c\u1ea7u c\u1ee7a SBV.<\/li>\n<\/ul>\n

            d. \u0110i\u1ec1u ki\u1ec7n 4: Kho\u1ea3n vay \u0111\u01b0\u1ee3c r\u00fat v\u1ed1n t\u1eeb t\u00e0i kho\u1ea3n v\u1ed1n chuy\u00ean d\u1ee5ng<\/strong><\/p>\n\n\n\n\n
            \u00a0T\u00e0i kho\u1ea3n v\u1ed1n \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp (DICA)<\/td>\n\u00a0B\u00ean \u0111i vay thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p m\u1edf t\u00e0i kho\u1ea3n DICA<\/td>\n<\/tr>\n
            \u00a0T\u00e0i kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i<\/td>\n\u00a0B\u00ean \u0111i vay kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p m\u1edf t\u00e0i kho\u1ea3n DICA<\/p>\n
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            • TCKT c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 (c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0) n\u01b0\u1edbc ngo\u00e0i d\u01b0\u1edbi 51%<\/li>\n
            • TCKT theo \u0110i\u1ec1u 23.1 Lu\u1eadt \u0111\u1ea7u t\u01b0, trong \u0111\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i d\u01b0\u1edbi 51%<\/li>\n
            • TCKT kh\u00f4ng c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

              e. \u0110i\u1ec1u ki\u1ec7n 5: \u0110\u00e1p \u1ee9ng v\u1ec1 quy \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay<\/strong><\/p>\n

              i. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a Kho\u1ea3n vay ng\u1eafn h\u1ea1n bao g\u1ed3m: C\u01a1 c\u1ea5u l\u1ea1i c\u00e1c kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i; v\u00e0 thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n ph\u1ea3i tr\u1ea3 b\u1eb1ng ti\u1ec1n (kh\u00f4ng bao g\u1ed3m c\u00e1c kho\u1ea3n n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay trong n\u01b0\u1edbc)<\/strong> c\u1ee7a b\u00ean \u0111i vay (\u0110i\u1ec1u 17.1.a Th\u00f4ng t\u01b0 08\/2023)<\/em><\/p>\n

              L\u01b0u \u00fd: C\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n ph\u1ea3i tr\u1ea3 quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n n\u00e0y l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0<\/strong>, k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t kinh doanh, d\u1ef1 \u00e1n kh\u00e1c c\u1ee7a b\u00ean \u0111i vay v\u00e0 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh c\u0103n c\u1ee9 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh h\u01b0\u1edbng d\u1eabn v\u1ec1 ch\u1ebf \u0111\u1ed9 k\u1ebf to\u00e1n doanh nghi\u1ec7p<\/strong>.<\/p>\n

              ii. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a Kho\u1ea3n vay trung v\u00e0 d\u00e0i h\u1ea1n<\/p>\n

              Th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u00ean \u0111i vay; k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t, kinh doanh, d\u1ef1 \u00e1n kh\u00e1c c\u1ee7a b\u00ean \u0111i vay; v\u00e0 c\u01a1 c\u1ea5u l\u1ea1i kho\u1ea3n n\u1ee3 n\u01b0\u1edbc ngo\u00e0i c\u1ee7a b\u00ean \u0111i vay.<\/p>\n

              iii. T\u00e0i li\u1ec7u ch\u1ee9ng minh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng kho\u1ea3n vay<\/p>\n

              B\u00ean \u0111i vay ph\u1ea3i cung c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ea7u t\u01b0 ho\u1eb7c v\u0103n b\u1ea3n ch\u1ea5p thu\u1eadn \u0111\u1ea7u t\u01b0 cho d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, v\u00e0 ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n vay cho k\u1ebf ho\u1ea1ch s\u1ea3n xu\u1ea5t, kinh doanh ho\u1eb7c d\u1ef1 \u00e1n kh\u00e1c.<\/p>\n

              3. C\u00e1c vi ph\u1ea1m h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i<\/strong><\/h3>\n\n\n\n\n\n\n\n
              V\u1ea5n \u0111\u1ec1<\/strong><\/td>\nH\u00e0nh vi<\/strong><\/td>\nM\u1ee9c ph\u1ea1t<\/strong><\/td>\n<\/tr>\n
              Vi ph\u1ea1m\u00a0\u0110i\u1ec1u ki\u1ec7n 2<\/td>\nKh\u00f4ng \u0111\u0103ng k\u00fd kho\u1ea3n vay v\u1edbi SBV<\/strong><\/td>\n40.000.000 \u0111\u1ed3ng \u0111\u1ebfn 60.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n
              Vi ph\u1ea1m \u0110i\u1ec1u ki\u1ec7n 3<\/td>\nKh\u00f4ng b\u00e1o c\u00e1o kho\u1ea3n vay<\/strong><\/td>\nG\u1eedi b\u00e1o c\u00e1o tr\u1ec5 h\u1ea1n<\/u><\/strong>:\u00a0 10.000.000 \u0111\u1ed3ng \u0111\u1ebfn 20.000.000 \u0111\u1ed3ng<\/p>\n

              N\u1ebfu kh\u00f4ng g\u1eedi b\u00e1o c\u00e1o<\/u><\/strong>: 20.000.000 \u0111\u1ed3ng \u0111\u1ebfn 30.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n

              Vi ph\u1ea1m \u0110i\u1ec1u ki\u1ec7n 4<\/td>\nKh\u00f4ng s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n v\u1ed1n chuy\u00ean d\u1ee5ng \u0111\u1ec3 r\u00fat v\u1ed1n vay<\/strong><\/td>\n60.000.000 \u0111\u1ed3ng \u0111\u1ebfn 100.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n
              Vi ph\u1ea1m \u0110i\u1ec1u ki\u1ec7n 5<\/td>\nKh\u00f4ng s\u1eed d\u1ee5ng kho\u1ea3n vay \u0111\u00fang m\u1ee5c \u0111\u00edch<\/strong><\/td>\n300.000.000 \u0111\u1ed3ng \u0111\u1ebfn 400.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

              4. K\u1ebft lu\u1eadn\u00a0<\/strong><\/h3>\n

              Qua tr\u00ecnh b\u00e0y n\u00eau tr\u00ean, c\u00e1c kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u0103ng k\u00fd chuy\u1ec3n th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 n\u1ebfu v\u1eabn c\u00f2n trong th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ed3ng th\u1eddi c\u00e1c b\u00ean \u0111\u00e3 th\u1ef1c hi\u1ec7n r\u00fat v\u1ed1n, b\u00e1o c\u00e1o kho\u1ea3n vay theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. C\u1ee5 th\u1ec3, chuy\u1ec3n kho\u1ea3n vay ng\u1eafn h\u1ea1n th\u00e0nh v\u1ed1n g\u00f3p c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 sau:<\/p>\n

                \n
              • Khi ch\u01b0a \u0111\u1ebfn h\u1ea1n tr\u1ea3 n\u1ee3<\/strong>: \u0111\u01b0\u1ee3c ph\u00e9p chuy\u1ec3n th\u00e0nh v\u1ed1n g\u00f3p v\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a B\u00ean Cho Vay, kh\u00f4ng c\u1ea7n qua t\u00e0i kho\u1ea3n chuy\u00ean d\u1ee5ng.<\/li>\n
              • Kho\u1ea3n vay \u0111\u00e3 \u0111\u1ebfn h\u1ea1n 01 n\u0103m nh\u01b0ng t\u1ea5t to\u00e1n trong 30 ng\u00e0y<\/strong>: c\u00f3 th\u1ec3 chuy\u1ec3n th\u00e0nh v\u1ed1n g\u00f3p m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i sang vay trung, d\u00e0i h\u1ea1n.<\/li>\n
              • Kho\u1ea3n vay \u0111\u00e3 \u0111\u1ebfn h\u1ea1n 01 n\u0103m v\u00e0 c\u00f2n th\u1eddi gian \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i<\/strong>: c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i kho\u1ea3n vay th\u00e0nh vay trung, d\u00e0i h\u1ea1n v\u1edbi k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 b\u1eb1ng v\u1ed1n g\u00f3p, \u0111\u1ed3ng th\u1eddi l\u00e0m th\u1ee7 t\u1ee5c ghi nh\u1eadn ph\u1ea7n v\u1ed1n g\u00f3p\/c\u1ed5 ph\u1ea7n cho B\u00ean Cho Vay trong B\u00ean \u0110i Vay.<\/li>\n<\/ul>\n

                V\u1ec1 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng v\u1ed1n vay n\u01b0\u1edbc ngo\u00e0i: <\/strong>N\u1ebfu kho\u1ea3n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch, c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd v\u1edbi SBV n\u1ebfu l\u00e0 kho\u1ea3n vay ng\u1eafn h\u1ea1n \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh vay trung, d\u00e0i h\u1ea1n tr\u01b0\u1edbc khi chuy\u1ec3n th\u00e0nh v\u1ed1n g\u00f3p, trong tr\u01b0\u1eddng h\u1ee3p b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u0103ng k\u00fd nh\u01b0 \u0111\u00e3 tr\u00ecnh b\u00e0y trong \u0110i\u1ec1u ki\u1ec7n 2. N\u1ebfu s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch, c\u00e1c b\u00ean c\u00f3 th\u1ec3 chuy\u1ec3n th\u00e0nh v\u1ed1n g\u00f3p n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i kho\u1ea3n vay v\u00e0 \u0111\u0103ng k\u00fd theo th\u1ee7 t\u1ee5c \u0111\u1ea7u t\u01b0, nh\u01b0ng v\u1eabn t\u1ed3n t\u1ea1i kh\u1ea3 n\u0103ng b\u1ecb x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh do s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch v\u1ed1n.<\/p>\n

                Tr\u01b0\u1eddng h\u1ee3p c\u00f3 s\u1ef1 vi ph\u1ea1m b\u1ea5t k\u1ef3 \u0111i\u1ec1u ki\u1ec7n n\u00e0o, v\u1ec1 nguy\u00ean t\u1eafc c\u00e1c b\u00ean v\u1eabn c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh ph\u01b0\u01a1ng \u00e1n chuy\u1ec3n kho\u1ea3n vay th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7, nh\u01b0ng c\u1ea7n ph\u1ea3i l\u01b0u \u00fd c\u00e1c r\u1ee7i ro v\u1ec1 x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u1edbi m\u1ee9c ph\u1ea1t r\u1ea5t cao tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh. \u0110\u1eb7c bi\u1ec7t trong tr\u01b0\u1eddng h\u1ee3p kho\u1ea3n vay kh\u00f4ng c\u00f2n th\u1eddi h\u1ea1n \u0111\u1ec3 \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i, c\u01a1 quan nh\u00e0 n\u01b0\u1edbc v\u1eabn c\u00f3 th\u1ec3 x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh ngay c\u1ea3 khi vi\u1ec7c chuy\u1ec3n kho\u1ea3n vay th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7 \u0111\u00e3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd th\u00e0nh vi\u00ean\/c\u1ed5 \u0111\u00f4ng theo ph\u00e1p lu\u1eadt \u0111\u1ea7u t\u01b0 v\u00e0 doanh nghi\u1ec7p.<\/p>\n

                \u0110\u1ed9i ng\u0169 Lu\u1eadt s\u01b0 c\u1ee7a DIMAC \u0111\u00e3 cung c\u1ea5p c\u00e1c \u00fd ki\u1ebfn t\u01b0 v\u1ea5n v\u1ea5n chuy\u1ec3n kho\u1ea3n vay v\u1ed1n \u0111i\u1ec1u l\u1ec7, ph\u00e2n t\u00edch c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 ph\u00e1t sinh \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 chuy\u1ec3n kho\u1ea3n vay th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7, ch\u00fang t\u00f4i \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p thay th\u1ebf kh\u00e1c, nh\u01b0 ph\u01b0\u01a1ng \u00e1n xo\u00e1 n\u1ee3, tu\u1ef3 tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec3 kh\u00e1ch h\u00e0ng l\u1ef1a ch\u1ecdn.<\/p>\n

                Tr\u00ean \u0111\u00e2y l\u00e0 t\u01b0 v\u1ea5n c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 Chuy\u1ec3n kho\u1ea3n vay n\u01b0\u1edbc ngo\u00e0i th\u00e0nh v\u1ed1n \u0111i\u1ec1u l\u1ec7<\/strong>.\u00a0N\u1ebfu b\u1ea1n \u0111ang quan t\u00e2m ho\u1eb7c c\u1ea7n h\u1ed7 tr\u1ee3 t\u01b0 v\u1ea5n ph\u00e1p l\u00fd cho nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u00ean.\u00a0H\u00e3y\u00a0truy c\u1eadp\u00a0Website DIMAC\u00a0v\u00e0\u00a0C\u00e1c chuy\u00ean\u00a0m\u1ee5c tin\u00a0t\u1ee9c kh\u00e1c\u00a0c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt s\u1edbm nh\u1ea5t c\u00e1c th\u00f4ng tin t\u01b0 v\u1ea5n v\u00e0 chia s\u1ebb kinh nghi\u1ec7m ph\u00e1p l\u00fd v\u1ec1 th\u1ecb tr\u01b0\u1eddng.<\/p>\n","protected":false},"excerpt":{"rendered":"

                Nguy\u1ec5n Ph\u01b0\u01a1ng Th\u1ea3o \u2013 Senior Associate Nguy\u1ec5n Th\u1ecb H\u1ed3ng Nhung – Junior Associate Nguy\u1ec5n Qu\u1ef3nh Nh\u01b0 – Junior Associate D\u01b0\u01a1ng Ph\u01b0\u01a1ng Vy – Paralegal 1. Gi\u1edbi thi\u1ec7u Xu\u1ea5t ph\u00e1t t\u1eeb nhu c\u1ea7u s\u1eed d\u1ee5ng v\u1ed1n trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p (ng\u1eafn h\u1ea1n, trung – d\u00e0i h\u1ea1n ph\u1ee5c v\u1ee5 cho d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0, k\u1ebf […]<\/p>\n","protected":false},"author":16,"featured_media":10189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-10180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cap-nhat-phap-ly"],"acf":[],"_links":{"self":[{"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/posts\/10180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/comments?post=10180"}],"version-history":[{"count":8,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/posts\/10180\/revisions"}],"predecessor-version":[{"id":10196,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/posts\/10180\/revisions\/10196"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/media\/10189"}],"wp:attachment":[{"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/media?parent=10180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/categories?post=10180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dimac-law.com\/vi\/wp-json\/wp\/v2\/tags?post=10180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}