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{"id":96002,"date":"2026-02-03T09:30:55","date_gmt":"2026-02-03T09:30:55","guid":{"rendered":"https:\/\/rasasintegrated.com\/?p=96002"},"modified":"2026-07-08T09:30:58","modified_gmt":"2026-07-08T09:30:58","slug":"ty-gia-ung-cac-goi-vay-tien-duoi-10-trieu-truoc-vdong","status":"publish","type":"post","link":"https:\/\/rasasintegrated.com\/?p=96002","title":{"rendered":"T\u1ef7 gi\u00e1 \u1ee9ng c\u00e1c g\u00f3i vay ti\u1ec1n d\u01b0\u1edbi 10 tri\u1ec7u tr\u01b0\u1edbc Vdong"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">N\u1ed9i dung<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">m\u1ed9t. C\u1ee5m t\u1eeb kh\u00f3a kho\u1ea3ng th\u1eddi gian<\/a><\/li>\n<li><a href=\"#toc-1\">m\u1ed9t c\u1eb7p. S\u1ea1c<\/a><\/li>\n<li><a href=\"#toc-2\">m\u1ed9t v\u00e0i. Chi ti\u00eau<\/a><\/li>\n<li><a href=\"#toc-3\">b\u1ed1n. Th\u1eddi gian giao d\u1ecbch<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Gi\u00e1 c\u1ea3 cho c\u00e1c kho\u1ea3n vay ng\u1eafn g\u1ecdn v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ti\u1ebfp t\u1ee5c gi\u1ea3m. V\u00ed d\u1ee5 <a href=\"https:\/\/vaytiiennhanh.com\/tien-tin-dung\/vay-nhanh-10trieu\/\">c\u00e1c g\u00f3i vay ti\u1ec1n d\u01b0\u1edbi 10 tri\u1ec7u<\/a> , t\u1eeb SeABank, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay tr\u1ef1c tuy\u1ebfn v\u1eabn duy tr\u00ec \u1edf m\u1ee9c kho\u1ea3ng 2% cho c\u00e1c k\u1ef3 h\u1ea1n t\u1eeb 6 th\u00e1ng \u0111\u1ebfn 15 th\u00e1ng.<\/p>\n<p>Gi\u00e1 v\u1ed1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng ti\u1ebfp t\u1ee5c gi\u1ea3m. <!--more--> V\u00ed d\u1ee5, OCB (c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng t\u01b0 nh\u00e2n) \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t theo t\u1eebng b\u1eadc thang v\u1edbi c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau cho c\u00e1c nh\u00f3m ng\u01b0\u1eddi c\u00f3 th\u1eddi h\u1ea1n t\u1eeb s\u00e1u n\u0103m tr\u1edf l\u00ean.<\/p>\n<h2 id=\"toc-0\">m\u1ed9t. C\u1ee5m t\u1eeb kh\u00f3a kho\u1ea3ng th\u1eddi gian<\/h2>\n<p>Chi ph\u00ed trong c\u00e1c kho\u1ea3n vay Vdong th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb v\u00e0i% &#8211; 28%\/n\u0103m, kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc t\u1ed1t ho\u1eb7c c\u00f3 th\u1ec3 l\u00e0 h\u1ecdc ph\u00ed \u0111\u1ea1i h\u1ecdc v\u00e0 kho\u1ea3n vay mua container m\u00e0 th\u00e0nh vi\u00ean mua. Ngo\u00e0i ra, ch\u00fang t\u00f4i c\u00f3 c\u00e1c c\u00e1ch \u0111\u1ec3 thi\u1ebft l\u1eadp l\u00e3i su\u1ea5t, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 t\u00f9y ch\u1ec9nh d\u00f2ng ti\u1ec1n thanh to\u00e1n.<\/p>\n<p>Trong 12 th\u00e1ng qua, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 t\u0103ng v\u1ecdt \u0111\u1ec3 thu h\u00fat ngu\u1ed3n v\u1ed1n d\u1ed3i d\u00e0o khi b\u1ea1n v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p b\u1eaft \u0111\u1ea7u l\u00ean k\u1ebf ho\u1ea1ch cho c\u1ea3 n\u0103m. Tuy nhi\u00ean, ch\u00fang v\u1eabn duy tr\u00ec \u1edf m\u1ee9c th\u1ea5p v\u00e0 ti\u1ebfp t\u1ee5c gi\u1ea3m trong n\u0103m \u0111\u00f3. V\u00ed d\u1ee5, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc t\u1ea1i VPBank \u1edf m\u1ee9c 5,7% \u0111\u1ebfn 3% cho kho\u1ea3n vay 12 n\u0103m v\u00e0 15 n\u0103m.<\/p>\n<p>Ngo\u00e0i ra, VietinBank c\u0169ng thi\u1ebft k\u1ebf m\u1ed9t th\u1ecfa thu\u1eadn ph\u00ed th\u01b0\u1edfng d\u00e0nh cho c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u1eb7c bi\u1ec7t s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t ng\u1eafn h\u1ea1n \u0111\u1ec3 g\u1eedi ti\u1ec1n nh\u1eb1m b\u00f9 \u0111\u1eafp c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c. \u0110\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y, ng\u01b0\u1eddi xin vay c\u1ea7n ch\u1ee9ng minh thu nh\u1eadp c\u1ee7a m\u00ecnh th\u00f4ng qua b\u1ea3ng l\u01b0\u01a1ng ho\u1eb7c c\u00e1c \u0111i\u1ec1u kho\u1ea3n tr\u1ea3 g\u00f3p trong v\u00f2ng 3-6 th\u00e1ng g\u1ea7n \u0111\u00e2y. B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ecd c\u1ea7n c\u00f3 c\u00e1c ngu\u1ed3n l\u1ef1c v\u00e0 t\u00e0i s\u1ea3n r\u00f5 r\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 sao k\u00ea t\u00e0i kho\u1ea3n, th\u1ebb t\u00edn d\u1ee5ng, s\u1ed5 ti\u1ebft ki\u1ec7m v\u00e0 c\u00e1c gi\u1ea5y t\u1edd h\u1ee3p l\u1ec7 kh\u00e1c. Th\u00f4ng th\u01b0\u1eddng, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t s\u1ebd \u00edt h\u01a1n m\u1ed9t kho\u1ea3n vay th\u1ebf ch\u1ea5p. H\u01a1n n\u1eefa, s\u1ed1 ti\u1ec1n vay c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100% so v\u1edbi s\u1ed1 d\u01b0 t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c.<\/p>\n<h2 id=\"toc-1\">m\u1ed9t c\u1eb7p. S\u1ea1c<\/h2>\n<p>Chi ph\u00ed vay t\u00edn d\u1ee5ng Vdong bao g\u1ed3m c\u1ea3 d\u00f2ng ti\u1ec1n v\u00e0 th\u1eddi h\u1ea1n vay. D\u00f2ng ti\u1ec1n c\u00e0ng cao, s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng c\u00e0ng nhi\u1ec1u. T\u1ed1c \u0111\u1ed9 tr\u1ea3 n\u1ee3 c\u0169ng ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i h\u00ecnh t\u00e0i ch\u00ednh b\u1ea1n \u0111ang c\u00e2n nh\u1eafc. V\u00ed d\u1ee5, c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 c\u00f3 chi ph\u00ed th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n vay d\u00e0i h\u1ea1n.<\/p>\n<p>Trong th\u1eddi k\u1ef3 tr\u01b0\u1edbc, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng t\u0103ng \u00edt nh\u1ea5t m\u1ed7i n\u0103m \u0111\u1ec3 thu h\u00fat ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1eeb kh\u00e1ch h\u00e0ng v\u00e0 b\u1eaft \u0111\u1ea7u n\u0103m t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd tr\u01b0\u1edbc khi n\u0103m m\u1edbi b\u1eaft \u0111\u1ea7u. Tuy nhi\u00ean, v\u00e0o n\u0103m 2010, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc \u0111\u00e3 kh\u00f4ng thay \u0111\u1ed5i ho\u1eb7c th\u1eadm ch\u00ed c\u00f2n gi\u1ea3m kh\u00e1 th\u01b0\u1eddng xuy\u00ean.<\/p>\n<p>V\u00ed d\u1ee5, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc kh\u00e1c c\u1ee7a SeABank v\u1eabn \u0111\u01b0\u1ee3c duy tr\u00ec \u1edf m\u1ee9c 0,2% v\u00e0 b\u1eaft \u0111\u1ea7u \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t tr\u1ef1c tuy\u1ebfn b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb kh\u00f3a &quot;s\u00e1u&quot; v\u00e0 &quot;b\u1eaft \u0111\u1ea7u n\u0103m&quot;. Trong khi \u0111\u00f3, Techcombank &#39;utes Phat Loc v\u1eabn cung c\u1ea5p m\u1ed9t kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 3,15% m\u1ed7i n\u0103m cho c\u00e1c th\u00e0nh vi\u00ean th\u1ef1c hi\u1ec7n kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc trong n\u0103m v\u00e0 ch\u1ecdn c\u1ee5m t\u1eeb kh\u00f3a &quot;s\u00e1u&quot; ho\u1eb7c &quot;m\u01b0\u1eddi hai n\u0103m&quot;.<\/p>\n<p>T\u1ea1i OCB, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc t\u1ed1t nh\u1ea5t \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft \u1edf m\u1ee9c 8,3% m\u1ed7i n\u0103m cho kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n ba n\u0103m ho\u1eb7c kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc t\u1ed1i thi\u1ec3u l\u00e0 500.000 VND. Ng\u01b0\u1ee3c l\u1ea1i, Ng\u00e2n h\u00e0ng B\u1eafc Kinh cung c\u1ea5p l\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n theo b\u1eadc thang v\u1edbi c\u00e1c m\u1ee9c ph\u00ed kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o s\u1ed1 ti\u1ec1n g\u1eedi: d\u01b0\u1edbi 1 tri\u1ec7u VND, l\u00ean \u0111\u1ebfn 1 t\u1ef7 VND v\u00e0 tr\u00ean 5 t\u1ef7 VND.<\/p>\n<h2 id=\"toc-2\">m\u1ed9t v\u00e0i. Chi ti\u00eau<\/h2>\n<p>Ch\u00fang t\u00f4i c\u00f3 c\u00e1c kho\u1ea3n chi ph\u00ed li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u1ea1m d\u1eebng d\u1ecbch v\u1ee5 Vdong, v\u00e0 m\u1ed9t kho\u1ea3n thanh to\u00e1n c\u1ed9ng v\u1edbi t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m k\u1ebft n\u1ed1i. Trong b\u00e0i vi\u1ebft n\u00e0y, chi ph\u00ed \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn t\u1ea1i \u0111\u1ecba \u0111i\u1ec3m v\u00e0 ch\u00fang ph\u1ee5 thu\u1ed9c v\u00e0o t\u00e1c \u0111\u1ed9ng. C\u00e1c th\u00e0nh vi\u00ean n\u00ean li\u00ean h\u1ec7 v\u1edbi c\u00e1c ph\u00f2ng kh\u00e1m b\u00e1n h\u00e0ng d\u00e0nh cho n\u1eef \u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00eam.<\/p>\n<p>Theo \u00f4ng Ph\u1ea1m A Anh, ng\u01b0\u1eddi ph\u00e1t ng\u00f4n qua \u0111i\u1ec7n tho\u1ea1i t\u1ea1i \u0110\u1ea1i h\u1ecdc Qu\u1ed1c gia H\u00e0 N\u1ed9i, chi ph\u00ed ph\u00e1t sinh v\u00e0 chi ph\u00ed th\u01b0\u1eddng xuy\u00ean, kho\u1ea3ng c\u00e1ch l\u1edbn gi\u1eefa t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i \u0111\u00f4 la v\u00e0 nhu c\u1ea7u vay ti\u1ec1n \u0111\u1ed3ng \u0111\u00e3 khi\u1ebfn nhi\u1ec1u c\u00f4ng ty l\u1ef1a ch\u1ecdn vay ti\u1ec1n. Do \u0111\u00f3, vi\u1ec7c s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng ngo\u1ea1i h\u1ed1i \u0111\u00e3 t\u0103ng m\u1ea1nh trong v\u00e0i th\u00e1ng \u0111\u1ea7u n\u0103m so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i.<\/p>\n<p>Trong khi \u0111\u00f3, m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u1ea1i Vi\u1ec7t Nam cung c\u1ea5p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111ang \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp. \u0110\u00f3 l\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 t\u1eeb Anh, bao g\u1ed3m House Monetary v\u00e0 Started Tima. C\u00e1c t\u1ed5 ch\u1ee9c cho vay n\u00e0y \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam t\u1eeb n\u0103m 2015 v\u00e0 \u0111ang h\u01b0\u1edbng t\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n ng\u00e0nh t\u00e0i ch\u00ednh.<\/p>\n<h2 id=\"toc-3\">b\u1ed1n. Th\u1eddi gian giao d\u1ecbch<\/h2>\n<p>Chi ph\u00ed trong b\u00e1o c\u00e1o tr\u1ea3 tr\u01b0\u1edbc b\u1eb1ng \u0110\u1ed3ng Nh\u1eadt (VND) gi\u1ea3m \u0111\u00e1ng k\u1ec3 so v\u1edbi \u0111\u1ea7u n\u0103m nay, c\u00f3 th\u1ec3 l\u00e0 v\u1edbi VPBank v\u00e0 ACB, ph\u00f9 h\u1ee3p v\u1edbi vi\u1ec7c t\u00edch l\u0169y d\u00e0i h\u1ea1n. Nh\u00ecn chung, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ti\u1ebfp t\u1ee5c thay \u0111\u1ed5i so v\u1edbi nh\u1eefng n\u0103m tr\u01b0\u1edbc, \u0111\u01a1n gi\u1ea3n v\u00ec h\u1ecd mu\u1ed1n thu h\u00fat th\u00eam ti\u1ec1n nh\u00e0n r\u1ed7i tr\u01b0\u1edbc cu\u1ed1i n\u0103m, \u0111\u1ec3 c\u00f3 \u0111\u1ee7 v\u1ed1n \u0111\u1ea3m b\u1ea3o m\u1ed9t gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ed1n c\u1ee7a h\u1ecd v\u00e0 b\u1eaft \u0111\u1ea7u nhi\u1ec1u d\u1ef1 \u00e1n. Vay VND: L\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay m\u1edbi v\u00e0 c\u00e1c t\u00e0i kho\u1ea3n doanh nghi\u1ec7p hi\u1ec7n c\u00f3 b\u1eb1ng \u0110\u1ed3ng l\u00e0 kho\u1ea3ng 0,1% m\u1ed7i n\u0103m. Vay \u0110\u00f4 la M\u1ef9: L\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay m\u1edbi v\u00e0 c\u00e1c kho\u1ea3n vay hi\u1ec7n c\u00f3 b\u1eb1ng \u0110\u00f4 la M\u1ef9 l\u00e0 5,1% m\u1ed7i n\u0103m.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung m\u1ed9t. C\u1ee5m t\u1eeb kh\u00f3a kho\u1ea3ng th\u1eddi gian m\u1ed9t c\u1eb7p. S\u1ea1c m\u1ed9t v\u00e0i. Chi ti\u00eau b\u1ed1n. Th\u1eddi gian giao d\u1ecbch Gi\u00e1 c\u1ea3 cho c\u00e1c kho\u1ea3n vay ng\u1eafn g\u1ecdn v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ti\u1ebfp t\u1ee5c gi\u1ea3m. V\u00ed d\u1ee5 c\u00e1c g\u00f3i vay ti\u1ec1n d\u01b0\u1edbi 10 tri\u1ec7u , t\u1eeb SeABank, l\u00e3i su\u1ea5t tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ed1i v\u1edbi [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-96002","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=\/wp\/v2\/posts\/96002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=96002"}],"version-history":[{"count":0,"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=\/wp\/v2\/posts\/96002\/revisions"}],"wp:attachment":[{"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=96002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=96002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rasasintegrated.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=96002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}