{"id":11997,"date":"2026-08-20T21:47:23","date_gmt":"2026-08-20T14:47:23","guid":{"rendered":"https:\/\/useful.vn\/?p=11997"},"modified":"2026-08-20T21:47:23","modified_gmt":"2026-08-20T14:47:23","slug":"oto-dang-the-chap-tai-san-cua-chu-xe-hay-ngan-hang","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=11997","title":{"rendered":"\u00d4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p – t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 xe hay ng\u00e2n h\u00e0ng?"},"content":{"rendered":"
\n

\n\u00d4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p – t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 xe hay ng\u00e2n h\u00e0ng? <\/h1>\n

T\u00f4i c\u00f3 chi\u1ebfc \u00f4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng \u0111\u1ec3 vay 400 tri\u1ec7u \u0111\u1ed3ng th\u00ec b\u1ecb ng\u01b0\u1eddi kh\u00e1c ph\u00e1 ho\u1ea1i khi \u0111\u1eadu b\u00ean \u0111\u01b0\u1eddng.<\/p>\n

T\u00f4i \u0111\u00e3 b\u00e1o c\u00f4ng an x\u1eed l\u00fd v\u1ee5 vi\u1ec7c. Chi\u1ebfc xe \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a t\u00f4i hay c\u1ee7a ng\u00e2n h\u00e0ng?<\/p>\n

N\u1ebfu \u0111\u01b0\u1ee3c ng\u01b0\u1eddi ph\u00e1 xe b\u1ed3i th\u01b0\u1eddng, t\u00f4i hay ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 ch\u1ee7 th\u1ec3 th\u1ee5 h\u01b0\u1edfng.<\/p>\n

\u0110\u00f4c gi\u1ea3 Thu Ng\u00e2n<\/strong><\/p>\n

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

\u0110i\u1ec1u 317 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh v\u1ec1 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. Theo \u0111\u00f3, th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c m\u1ed9t b\u00ean (b\u00ean th\u1ebf ch\u1ea5p) d\u00f9ng t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 v\u00e0 kh\u00f4ng giao t\u00e0i s\u1ea3n cho b\u00ean kia (b\u00ean nh\u1eadn th\u1ebf ch\u1ea5p); T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p do b\u00ean th\u1ebf ch\u1ea5p gi\u1eef. C\u00e1c b\u00ean c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn giao cho ng\u01b0\u1eddi th\u1ee9 ba gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, ho\u1ea1t \u0111\u1ed9ng th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ch\u1ee7 y\u1ebfu gi\u1eefa ng\u01b0\u1eddi vay\/ng\u01b0\u1eddi b\u1ea3o l\u00e3nh v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

Khi giao d\u1ecbch th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c x\u00e1c l\u1eadp, ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u1eabn qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, v\u1eabn l\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n, thay th\u1ebf, trao \u0111\u1ed5i, t\u1eb7ng cho t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 4 v\u00e0 kho\u1ea3n 5 \u0110i\u1ec1u 321 c\u1ee7a B\u1ed9 lu\u1eadt n\u00e0y.<\/p>\n

T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ch\u1ec9 b\u1ecb xem x\u00e9t x\u1eed l\u00fd khi ng\u01b0\u1eddi vay kh\u00f4ng tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00fang h\u1ea1n kho\u1ea3n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh kh\u00e1c ho\u1eb7c c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.<\/p>\n

Kho\u1ea3n 1 \u0110i\u1ec1u 62, kho\u1ea3n 1 \u0110i\u1ec1u 65 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 quy \u0111\u1ecbnh b\u1ecb h\u1ea1i l\u00e0 c\u00e1 nh\u00e2n tr\u1ef1c ti\u1ebfp b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 th\u1ec3 ch\u1ea5t, tinh th\u1ea7n, t\u00e0i s\u1ea3n ho\u1eb7c l\u00e0 c\u01a1 quan, t\u1ed5 ch\u1ee9c b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n, uy t\u00edn do t\u1ed9i ph\u1ea1m g\u00e2y ra ho\u1eb7c \u0111e d\u1ecda g\u00e2y ra.<\/p>\n

Ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n l\u00e0 c\u00e1 nh\u00e2n, c\u01a1 quan, t\u1ed5 ch\u1ee9c c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n h\u00ecnh s\u1ef1.<\/p>\n

Nh\u01b0 v\u1eady, v\u1edbi c\u00e1c quy \u0111\u1ecbnh n\u00f3i tr\u00ean, sau khi th\u1ebf ch\u1ea5p \u00f4t\u00f4 \u0111\u1ec3 vay ti\u1ec1n, b\u1ea1n v\u1eabn l\u00e0 ch\u1ee7 s\u1edf h\u1eefu chi\u1ebfc xe. Sau khi c\u01a1 quan t\u1ed1 t\u1ee5ng kh\u1edfi t\u1ed1 v\u1ee5 \u00e1n v\u00e0 kh\u1edfi t\u1ed1 b\u1ecb can th\u00ec b\u1ea1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 b\u1ecb h\u1ea1i; ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 li\u00ean quan.<\/p>\n

V\u1ec1 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng, ai l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c nh\u1eadn <\/em>th\u00ec c\u1ea7n c\u0103n c\u1ee9 quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. Tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u1ec1 c\u1eadp th\u00ec b\u1ea1n c\u00f3 quy\u1ec1n nh\u1eadn kho\u1ea3n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u00f3.<\/p>\n

Tuy nhi\u00ean, kho\u1ea3n 4 \u0110i\u1ec1u 320 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh khi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1ecb h\u01b0 h\u1ecfng th\u00ec trong m\u1ed9t th\u1eddi gian h\u1ee3p l\u00fd b\u00ean th\u1ebf ch\u1ea5p ph\u1ea3i s\u1eeda ch\u1eefa ho\u1eb7c thay th\u1ebf b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c.<\/p>\n

Do v\u1eady, b\u1ea1n c\u1ea7n tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh n\u00f3i tr\u00ean \u0111\u1ec3 tr\u00e1nh c\u00e1c r\u1eafc r\u1ed1i kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n

V\u1ec1 quy\u1ec1n ngh\u0129a v\u1ee5 c\u1ee7a b\u1ecb h\u1ea1i<\/strong><\/p>\n

Kho\u1ea3n 2 \u0110i\u1ec1u 65 B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 quy \u0111\u1ecbnh b\u1ecb h\u1ea1i c\u00f3 c\u00e1c quy\u1ec1n: <\/em>\u0110\u01b0\u1ee3c th\u00f4ng b\u00e1o, gi\u1ea3i th\u00edch quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u n\u00e0y; \u0110\u01b0a ra ch\u1ee9ng c\u1ee9, t\u00e0i li\u1ec7u, \u0111\u1ed3 v\u1eadt, y\u00eau c\u1ea7u; Tr\u00ecnh b\u00e0y \u00fd ki\u1ebfn v\u1ec1 ch\u1ee9ng c\u1ee9, t\u00e0i li\u1ec7u, \u0111\u1ed3 v\u1eadt li\u00ean quan v\u00e0 y\u00eau c\u1ea7u ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n ti\u1ebfn h\u00e0nh t\u1ed1 t\u1ee5ng ki\u1ec3m tra, \u0111\u00e1nh gi\u00e1; \u0110\u1ec1 ngh\u1ecb gi\u00e1m \u0111\u1ecbnh, \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt; \u0110\u01b0\u1ee3c th\u00f4ng b\u00e1o k\u1ebft qu\u1ea3 \u0111i\u1ec1u tra, gi\u1ea3i quy\u1ebft v\u1ee5 \u00e1n.<\/p>\n

B\u1ecb h\u1ea1i c\u0169ng c\u00f3 quy\u1ec1n tham gia phi\u00ean t\u00f2a; tr\u00ecnh b\u00e0y \u00fd ki\u1ebfn, \u0111\u1ec1 ngh\u1ecb ch\u1ee7 t\u1ecda phi\u00ean t\u00f2a h\u1ecfi b\u1ecb c\u00e1o v\u00e0 ng\u01b0\u1eddi kh\u00e1c tham gia phi\u00ean t\u00f2a; tranh lu\u1eadn t\u1ea1i phi\u00ean t\u00f2a \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh; xem bi\u00ean b\u1ea3n phi\u00ean t\u00f2a;… C\u00e1c quy\u1ec1n kh\u00e1c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

V\u1ec1 ngh\u0129a v\u1ee5<\/em>, theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 5 \u0110i\u1ec1u 320 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, khi xe b\u1ecb ph\u00e1 ho\u1ea1i th\u00ec b\u1ea1n ph\u1ea3i th\u00f4ng b\u00e1o ngay cho ng\u00e2n h\u00e0ng; c\u00e1c b\u00ean tu\u00e2n th\u1ee7 \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p (li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1ecb h\u01b0 h\u1ecfng, gi\u1ea3m s\u00fat gi\u00e1 tr\u1ecb).<\/p>\n

Lu\u1eadt s\u01b0 V\u0169 Ti\u1ebfn Vinh<\/strong>
C\u00f4ng ty Lu\u1eadt B\u1ea3o An, H\u00e0 N\u1ed9i<\/em><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/oto-dang-the-chap-tai-san-cua-chu-xe-hay-ngan-hang-5102587.html<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00d4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p – t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 xe hay ng\u00e2n h\u00e0ng? T\u00f4i c\u00f3 chi\u1ebfc \u00f4t\u00f4 \u0111ang th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng \u0111\u1ec3 vay 400 tri\u1ec7u \u0111\u1ed3ng th\u00ec b\u1ecb ng\u01b0\u1eddi kh\u00e1c ph\u00e1 ho\u1ea1i khi \u0111\u1eadu b\u00ean \u0111\u01b0\u1eddng. T\u00f4i \u0111\u00e3 b\u00e1o c\u00f4ng an x\u1eed l\u00fd v\u1ee5 vi\u1ec7c. Chi\u1ebfc xe \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 t\u00e0i s\u1ea3n c\u1ee7a t\u00f4i<\/p>\n","protected":false},"author":1,"featured_media":11998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-11997","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-phap-luat"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/11997","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=11997"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/11997\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/11998"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}