{"id":10944,"date":"2026-08-15T19:47:30","date_gmt":"2026-08-15T12:47:30","guid":{"rendered":"https:\/\/useful.vn\/?p=10944"},"modified":"2026-08-15T19:47:30","modified_gmt":"2026-08-15T12:47:30","slug":"lai-suat-cho-vay-binh-quan-len-105-mot-nam","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=10944","title":{"rendered":"L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n l\u00ean 10,5% m\u1ed9t n\u0103m"},"content":{"rendered":"
\n

\nL\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n l\u00ean 10,5% m\u1ed9t n\u0103m <\/h1>\n

Nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u01b0 nh\u00e2n gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n vay trong th\u00e1ng 6 v\u1edbi l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n 8,1-10,5% m\u1ed9t n\u0103m.<\/p>\n

Theo s\u1ed1 li\u1ec7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi c\u00f4ng b\u1ed1, l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n trong th\u00e1ng 6 t\u0103ng 0,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3. \u0110\u00e2y l\u00e0 giai \u0111o\u1ea1n c\u00e1c ng\u00e2n h\u00e0ng \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t m\u1ea1nh nh\u1ea5t trong m\u1ed9t n\u0103m qua.<\/p>\n

Hi\u1ec7n c\u00f3 g\u1ea7n 10 ng\u00e2n h\u00e0ng cho vay v\u1edbi l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf tr\u00ean 10,5% m\u1ed9t n\u0103m, t\u00f9y kh\u00e1ch h\u00e0ng, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. T\u1ea1i TPBank, l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n \u00e1p d\u1ee5ng cho c\u00e1 nh\u00e2n l\u00e0 10,95%, c\u00f2n OCB 10,78% v\u00e0 BVBank 10,45%.<\/p>\n

M\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng c\u00f4ng b\u1ed1 l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n theo k\u1ef3 h\u1ea1n. \u0110i\u1ec3n h\u00ecnh nh\u01b0 SeABank gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n cho c\u00e1 nh\u00e2n v\u1edbi l\u00e3i su\u1ea5t 10,18%, c\u00f2n trung d\u00e0i h\u1ea1n 10,44%. M\u1ee9c n\u00e0y t\u1ea1i HDBank l\u1ea7n l\u01b0\u1ee3t l\u00e0 8,5% v\u00e0 10,4%.<\/p>\n

Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n v\u1edbi c\u00e1c l\u0129nh v\u1ef1c \u01b0u ti\u00ean nh\u01b0 xu\u1ea5t kh\u1ea9u, n\u00f4ng nghi\u1ec7p, c\u00f4ng nghi\u1ec7p h\u1ed7 tr\u1ee3, doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao… duy tr\u00ec 3,9% m\u1ed9t n\u0103m. M\u1ee9c n\u00e0y g\u1ea7n ti\u1ec7m c\u1eadn tr\u1ea7n l\u00e3i su\u1ea5t cho vay ng\u1eafn h\u1ea1n theo quy \u0111\u1ecbnh l\u00e0 4%.<\/p>\n

\u0110\u1ed3ng thu\u1eadn v\u1edbi xu h\u01b0\u1edbng bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t cho vay, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u n\u00e2ng m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi \u1edf h\u1ea7u h\u1ebft k\u1ef3 h\u1ea1n. C\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m 6-12 th\u00e1ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i b\u00ecnh qu\u00e2n 6,1-7,6%; c\u00f2n tr\u00ean 24 th\u00e1ng dao \u0111\u1ed9ng 7,1-7,8%, \u0111\u1ec1u t\u0103ng 0,2 \u0111i\u1ec3m so v\u1edbi th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ee9c cao nh\u1ea5t m\u1ed9t n\u0103m qua.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang gi\u1eef ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay b\u00ecnh qu\u00e2n kho\u1ea3ng 3-4%, nh\u00edch nh\u1eb9 so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

Ph\u1ea7n l\u1edbn chuy\u00ean gia v\u00e0 nh\u00f3m ph\u00e2n t\u00edch nghi\u00eang v\u1ec1 kh\u1ea3 n\u0103ng m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t c\u00f2n neo cao trong nh\u1eefng th\u00e1ng t\u1edbi. Trong b\u00e1o c\u00e1o tri\u1ec3n v\u1ecdng \u0111\u1ea7u t\u01b0 m\u1edbi ph\u00e1t h\u00e0nh, nh\u00f3m ph\u00e2n t\u00edch C\u00f4ng ty Ch\u1ee9ng kho\u00e1n R\u1ed3ng Vi\u1ec7t (VDSC) nh\u1eadn \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c h\u1ec7 th\u1ed1ng \u0111ang thi\u1ebfu thanh kho\u1ea3n. Vi\u1ec7c t\u00ednh th\u00eam l\u01b0\u1ee3ng ti\u1ec1n g\u1eedi Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc v\u00e0o t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR) v\u00e0 n\u1edbi t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n gi\u00fap h\u1ea1 nhi\u1ec7t ph\u1ea7n n\u00e0o \u00e1p l\u1ef1c, song ch\u01b0a \u0111\u1ee7 gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 v\u1ea5n \u0111\u1ec1.<\/p>\n

N\u00f3i v\u1edbi VnExpress<\/em> \u0111\u1ea7u th\u00e1ng n\u00e0y, \u00f4ng Tr\u1ea7n V\u0103n T\u00e1nh, Tr\u01b0\u1edfng ph\u00f2ng ph\u00e2n t\u00edch Kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c c\u1ee7a C\u00f4ng ty Ch\u1ee9ng kho\u00e1n Yuanta Vi\u1ec7t Nam, cho r\u1eb1ng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u01b0\u01a1ng h\u1ea1 nhi\u1ec7t l\u00e3i su\u1ea5t cho vay \u0111\u1ec3 h\u1ed7 tr\u1ee3 n\u1ec1n kinh t\u1ebf, nh\u01b0ng chi ph\u00ed huy \u0111\u1ed9ng neo \u1edf m\u1ee9c cao n\u00ean c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng c\u00f3 nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 gi\u1ea3m l\u00e3i.<\/p>\n

M\u1ed9t trong nh\u1eefng tr\u1edf ng\u1ea1i v\u1edbi vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t l\u00e0 m\u1ee5c ti\u00eau \u1ed5n \u0111\u1ecbnh t\u1ef7 gi\u00e1 \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean tr\u01b0\u1edbc. Theo VDSC, khi ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng l\u1edbn (M\u1ef9, Nh\u1eadt, EU) v\u1eabn th\u1eadn tr\u1ecdng v\u00e0 c\u00f3 ph\u1ea7n th\u1eaft ch\u1eb7t, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 s\u1ebd c\u1ea7n duy tr\u00ec m\u1ee9c ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t USD\/VND \u0111\u1ee7 h\u1ea5p d\u1eabn \u0111\u1ec3 gi\u1eef d\u00f2ng ti\u1ec1n ngo\u1ea1i t\u1ec7 trong h\u1ec7 th\u1ed1ng.<\/p>\n

D\u00f9 v\u1eady, nh\u00f3m ph\u00e2n t\u00edch n\u00e0y cho r\u1eb1ng k\u1ecbch b\u1ea3n gi\u1ea3m l\u00e3i v\u1eabn c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra trong giai \u0111o\u1ea1n cu\u1ed1i n\u0103m. M\u1ee9c \u0111\u1ed9 v\u00e0 t\u1ed1c \u0111\u1ed9 c\u00f3 th\u1ec3 v\u1eeba ph\u1ea3i do h\u1ec7 th\u1ed1ng c\u1ea7n th\u1eddi gian c\u00e2n \u0111\u1ed1i l\u1ea1i nh\u1eb1m \u0111i\u1ec1u ch\u1ec9nh d\u1ea7n chi ph\u00ed v\u1ed1n khi \u0111\u1ea7u v\u00e0o \u0111\u00e3 t\u0103ng cao trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m.<\/p>\n

Chuy\u00ean gia c\u1ee7a Ng\u00e2n h\u00e0ng United Overseas Bank (UOB), ng\u00e2n h\u00e0ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore, cho r\u1eb1ng “k\u1ecbch b\u1ea3n h\u1ee3p l\u00fd nh\u1ea5t l\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ti\u1ebfp t\u1ee5c gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t trong n\u1eeda cu\u1ed1i n\u0103m”. Theo nh\u00f3m n\u00e0y, vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh s\u1ebd kh\u00f3 ph\u00e1t huy hi\u1ec7u qu\u1ea3 v\u1edbi l\u1ea1m ph\u00e1t xu\u1ea5t ph\u00e1t t\u1eeb ph\u00eda cung, ch\u1eb3ng h\u1ea1n nh\u01b0 gi\u00e1 n\u0103ng l\u01b0\u1ee3ng hay chi ph\u00ed nh\u1eadp kh\u1ea9u \u0111\u1ea7u v\u00e0o. Ng\u01b0\u1ee3c l\u1ea1i, vi\u1ec7c c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t c\u0169ng kh\u00f3 c\u00f3 c\u01a1 s\u1edf khi l\u1ea1m ph\u00e1t v\u1eabn \u1edf g\u1ea7n ng\u01b0\u1ee1ng m\u1ee5c ti\u00eau \u0111i\u1ec1u h\u00e0nh.<\/p>\n

L\u1ea1m ph\u00e1t c\u01a1 b\u1ea3n t\u0103ng 4,12% trong n\u1eeda \u0111\u1ea7u n\u0103m, c\u00f2n m\u1ee5c ti\u00eau c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 ki\u1ec3m so\u00e1t l\u1ea1m ph\u00e1t b\u00ecnh qu\u00e2n c\u1ea3 n\u0103m kho\u1ea3ng 4,5%.<\/p>\n

Ph\u01b0\u01a1ng \u0110\u00f4ng<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/lai-suat-cho-vay-binh-quan-len-10-5-mot-nam-5100137.html<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n l\u00ean 10,5% m\u1ed9t n\u0103m Nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i nh\u00e0 n\u01b0\u1edbc v\u00e0 t\u01b0 nh\u00e2n gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n vay trong th\u00e1ng 6 v\u1edbi l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n 8,1-10,5% m\u1ed9t n\u0103m. Theo s\u1ed1 li\u1ec7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc m\u1edbi c\u00f4ng b\u1ed1, l\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n trong th\u00e1ng 6<\/p>\n","protected":false},"author":1,"featured_media":10945,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-10944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10944","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=10944"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/10944\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/10945"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}