{"id":10559,"date":"2026-08-14T00:47:23","date_gmt":"2026-08-13T17:47:23","guid":{"rendered":"https:\/\/useful.vn\/?p=10559"},"modified":"2026-08-14T00:47:23","modified_gmt":"2026-08-13T17:47:23","slug":"ban-muon-tien-khong-tra-khi-nao-duoc-phep-doi-nguoi-than-cua-ho","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=10559","title":{"rendered":"B\u1ea1n m\u01b0\u1ee3n ti\u1ec1n kh\u00f4ng tr\u1ea3, khi n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd?"},"content":{"rendered":"
\n

\nB\u1ea1n m\u01b0\u1ee3n ti\u1ec1n kh\u00f4ng tr\u1ea3, khi n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd? <\/h1>\n

Cu\u1ed1i 2024, t\u00f4i cho m\u1ed9t ng\u01b0\u1eddi \u0111\u1ed3ng nghi\u1ec7p th\u00e2n thi\u1ebft vay 70 tri\u1ec7u \u0111\u1ed3ng. Theo th\u1ecfa thu\u1eadn, anh \u1ea5y s\u1ebd ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 v\u00e0o th\u00e1ng 12\/2025.<\/p>\n

Tuy nhi\u00ean, \u0111\u1ebfn nay \u0111\u00e3 qu\u00e1 h\u1ea1n nhi\u1ec1u th\u00e1ng, d\u00f9 t\u00f4i nhi\u1ec1u l\u1ea7n nh\u1eafc nh\u1edf th\u00ec anh \u1ea5y ch\u1ec9 n\u00f3i \u0111ang kh\u00f3 kh\u0103n, ch\u01b0a c\u00f3 ti\u1ec1n tr\u1ea3 v\u00e0 li\u00ean t\u1ee5c kh\u1ea5t n\u1ee3.<\/span><\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, t\u00f4i c\u00f3 th\u1ec3 y\u00eau c\u1ea7u v\u1ee3, ch\u1ed3ng, cha m\u1eb9 ho\u1eb7c con c\u1ee7a anh \u1ea5y \u0111\u1ee9ng ra tr\u1ea3 kho\u1ea3n n\u1ee3 thay hay kh\u00f4ng? N\u1ebfu ch\u1eb3ng may anh \u1ea5y qua \u0111\u1eddi tr\u01b0\u1edbc khi thanh to\u00e1n th\u00ec ng\u01b0\u1eddi th\u00e2n c\u1ee7a anh \u1ea5y c\u00f3 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 s\u1ed1 ti\u1ec1n c\u00f2n n\u1ee3 cho t\u00f4i kh\u00f4ng?<\/p>\n

\u0110\u1ed9c gi\u1ea3 Thanh V\u1ef9<\/strong><\/p>\n

Lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n:<\/strong><\/p>\n

Theo \u0110i\u1ec1u 463 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean cho vay giao t\u00e0i s\u1ea3n cho b\u00ean vay; \u0111\u1ebfn th\u1eddi h\u1ea1n \u0111\u00e3 cam k\u1ebft, b\u00ean vay c\u00f3 ngh\u0129a v\u1ee5 ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n c\u00f9ng lo\u1ea1i, \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i n\u1ebfu c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.<\/p>\n

Do \u0111\u00f3, n\u1ebfu anh cho ng\u01b0\u1eddi kh\u00e1c vay ti\u1ec1n nh\u01b0ng \u0111\u1ebfn h\u1ea1n h\u1ecd kh\u00f4ng thanh to\u00e1n th\u00ec v\u1ec1 nguy\u00ean t\u1eafc, anh ch\u1ec9 c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ch\u00ednh ng\u01b0\u1eddi vay th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd tr\u1ea3 thay, tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau \u0111\u00e2y:<\/span><\/p>\n

1. Ng\u01b0\u1eddi th\u00e2n \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh kho\u1ea3n vay<\/strong><\/span><\/p>\n

Theo kho\u1ea3n 1 \u0110i\u1ec1u 335 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, b\u1ea3o l\u00e3nh l\u00e0 vi\u1ec7c ng\u01b0\u1eddi th\u1ee9 ba (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean b\u1ea3o l\u00e3nh) cam k\u1ebft v\u1edbi b\u00ean c\u00f3 quy\u1ec1n (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean nh\u1eadn b\u1ea3o l\u00e3nh) s\u1ebd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 thay cho b\u00ean c\u00f3 ngh\u0129a v\u1ee5 (sau \u0111\u00e2y g\u1ecdi l\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh), n\u1ebfu khi \u0111\u1ebfn th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 m\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1eb7c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang ngh\u0129a v\u1ee5.<\/span><\/p>\n

Nh\u01b0 v\u1eady, n\u1ebfu tr\u01b0\u1edbc \u0111\u00e2y ng\u01b0\u1eddi th\u00e2n c\u1ee7a ng\u01b0\u1eddi vay \u0111\u00e3 cam k\u1ebft b\u1ea3o l\u00e3nh cho kho\u1ea3n vay th\u00ec khi ng\u01b0\u1eddi vay kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, anh c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u01b0\u1eddi b\u1ea3o l\u00e3nh th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo cam k\u1ebft.<\/span><\/p>\n

2. Kho\u1ea3n ti\u1ec1n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a gia \u0111\u00ecnh<\/strong><\/p>\n

Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi vay d\u00f9ng kho\u1ea3n ti\u1ec1n vay \u0111\u01b0\u1ee3c \u0111\u1ec3 s\u1eed d\u1ee5ng v\u00e0o nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a gia \u0111\u00ecnh theo kho\u1ea3n 1 \u0110i\u1ec1u 30 Lu\u1eadt H\u00f4n nh\u00e2n v\u00e0 Gia \u0111\u00ecnh n\u0103m 2014 th\u00ec ng\u01b0\u1eddi ch\u1ed3ng, v\u1ee3 c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m li\u00ean \u0111\u1edbi \u0111\u1ed1i v\u1edbi kho\u1ea3n n\u1ee3 n\u00e0y.<\/span><\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, n\u1ebfu ch\u1ee9ng minh \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a gia \u0111\u00ecnh th\u00ec anh c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u v\u1ee3 ho\u1eb7c ch\u1ed3ng c\u1ee7a ng\u01b0\u1eddi vay c\u00f9ng li\u00ean \u0111\u1edbi th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/span><\/p>\n

3. Ng\u01b0\u1eddi vay qua \u0111\u1eddi th\u00ec ng\u01b0\u1eddi th\u1eeba k\u1ebf c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3<\/strong><\/p>\n

Theo kho\u1ea3n 1 \u0110i\u1ec1u 615 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, nh\u1eefng ng\u01b0\u1eddi h\u01b0\u1edfng th\u1eeba k\u1ebf c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 t\u00e0i s\u1ea3n trong ph\u1ea1m vi di s\u1ea3n do ng\u01b0\u1eddi ch\u1ebft \u0111\u1ec3 l\u1ea1i, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.<\/span><\/p>\n

Theo quy \u0111\u1ecbnh n\u00e0y, khi ng\u01b0\u1eddi vay qua \u0111\u1eddi, anh c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u nh\u1eefng ng\u01b0\u1eddi th\u1eeba k\u1ebf c\u1ee7a h\u1ecd th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, ngh\u0129a v\u1ee5 n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong ph\u1ea1m vi gi\u00e1 tr\u1ecb di s\u1ea3n m\u00e0 ng\u01b0\u1eddi ch\u1ebft \u0111\u1ec3 l\u1ea1i. V\u00ec v\u1eady, n\u1ebfu gi\u00e1 tr\u1ecb di s\u1ea3n th\u1ea5p h\u01a1n s\u1ed1 ti\u1ec1n anh \u0111\u00e3 cho vay th\u00ec anh ch\u1ec9 c\u00f3 th\u1ec3 thu h\u1ed3i kho\u1ea3n ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi ph\u1ea7n di s\u1ea3n \u0111\u00f3, ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ng\u01b0\u1eddi th\u1eeba k\u1ebf d\u00f9ng t\u00e0i s\u1ea3n ri\u00eang c\u1ee7a m\u00ecnh \u0111\u1ec3 tr\u1ea3 ph\u1ea7n n\u1ee3 c\u00f2n thi\u1ebfu.<\/p>\n

Lu\u1eadt s\u01b0 Ph\u1ea1m Thanh H\u1eefu<\/strong>
\u0110o\u00e0n lu\u1eadt s\u01b0 TP HCM<\/em><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/ban-muon-tien-khong-tra-khi-nao-duoc-phep-doi-nguoi-than-cua-ho-5100268.html<\/p>\n","protected":false},"excerpt":{"rendered":"

B\u1ea1n m\u01b0\u1ee3n ti\u1ec1n kh\u00f4ng tr\u1ea3, khi n\u00e0o \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f2i ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd? Cu\u1ed1i 2024, t\u00f4i cho m\u1ed9t ng\u01b0\u1eddi \u0111\u1ed3ng nghi\u1ec7p th\u00e2n thi\u1ebft vay 70 tri\u1ec7u \u0111\u1ed3ng. Theo th\u1ecfa thu\u1eadn, anh \u1ea5y s\u1ebd ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 v\u00e0o th\u00e1ng 12\/2025. Tuy nhi\u00ean, \u0111\u1ebfn nay \u0111\u00e3 qu\u00e1 h\u1ea1n nhi\u1ec1u th\u00e1ng, d\u00f9 t\u00f4i nhi\u1ec1u l\u1ea7n nh\u1eafc<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-10559","post","type-post","status-publish","format-standard","hentry","category-phap-luat"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10559"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10559\/revisions"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}