{"id":13965,"date":"2026-08-30T06:47:45","date_gmt":"2026-08-29T23:47:45","guid":{"rendered":"https:\/\/useful.vn\/?p=13965"},"modified":"2026-08-30T06:47:45","modified_gmt":"2026-08-29T23:47:45","slug":"bi-nguoi-khac-vo-co-kien-doi-no-toi-mac-ke-hay-phai-lam-gi","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=13965","title":{"rendered":"B\u1ecb ng\u01b0\u1eddi kh\u00e1c v\u00f4 c\u1edb ki\u1ec7n \u0111\u00f2i n\u1ee3, t\u00f4i m\u1eb7c k\u1ec7 hay ph\u1ea3i l\u00e0m g\u00ec?"},"content":{"rendered":"<article class=\"fck_detail \">\n<h1 class=\"title-detail mt20\">\nB\u1ecb ng\u01b0\u1eddi kh\u00e1c v\u00f4 c\u1edb ki\u1ec7n \u0111\u00f2i n\u1ee3, t\u00f4i m\u1eb7c k\u1ec7 hay ph\u1ea3i l\u00e0m g\u00ec? <\/h1>\n<p class=\"description\">T\u00f4i t\u1eebng h\u1ee3p t\u00e1c kinh doanh v\u1edbi m\u1ed9t \u0111\u1ed1i t\u00e1c v\u00e0 h\u1ecd \u0111\u1ecbnh k\u1ef3 chuy\u1ec3n ti\u1ec1n hoa h\u1ed3ng v\u00e0o t\u00e0i kho\u1ea3n theo th\u1ecfa thu\u1eadn.<\/p>\n<p class=\"Normal\">Tuy nhi\u00ean, sau khi hai b\u00ean ng\u1eebng h\u1ee3p t\u00e1c, ng\u01b0\u1eddi n\u00e0y b\u1ea5t ng\u1edd sao k\u00ea c\u00e1c giao d\u1ecbch chuy\u1ec3n kho\u1ea3n tr\u01b0\u1edbc \u0111\u00e2y, r\u1ed3i cho r\u1eb1ng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u00e0 ti\u1ec1n h\u1ecd cho t\u00f4i vay. H\u1ecd c\u00f2n n\u1ed9p \u0111\u01a1n kh\u1edfi ki\u1ec7n ra t\u00f2a \u00e1n, y\u00eau c\u1ea7u t\u00f4i ph\u1ea3i tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n n\u00e0y c\u00f9ng v\u1edbi ti\u1ec1n l\u00e3i, d\u00f9 gi\u1eefa ch\u00fang t\u00f4i ch\u01b0a t\u1eebng l\u1eadp h\u1ee3p \u0111\u1ed3ng vay, gi\u1ea5y vay ti\u1ec1n hay c\u00f3 b\u1ea5t k\u1ef3 th\u1ecfa thu\u1eadn n\u00e0o v\u1ec1 vi\u1ec7c vay m\u01b0\u1ee3n.<\/p>\n<p class=\"Normal\">T\u00f4i cho r\u1eb1ng vi\u1ec7c kh\u1edfi ki\u1ec7n n\u00e0y ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 c\u0103n c\u1ee9 ph\u00e1p lu\u1eadt, t\u00f4i c\u00f3 th\u1ec3 m\u1eb7c k\u1ec7 v\u00ec h\u1ecd kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c vi\u1ec7c cho vay, hay v\u1eabn ph\u1ea3i tham gia gi\u1ea3i quy\u1ebft v\u1ee5 ki\u1ec7n \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh?<\/p>\n<p align=\"right\" class=\"Normal\"><strong>\u0110\u1ed9c gi\u1ea3 H\u1ed3ng Nhung<\/strong><\/p>\n<p class=\"Normal\"><strong>Lu\u1eadt s\u01b0 t\u01b0 v\u1ea5n:<\/strong><\/p>\n<p class=\"Normal\">Tr\u01b0\u1edbc h\u1ebft, c\u1ea7n kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng vi\u1ec7c m\u1ed9t ng\u01b0\u1eddi kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3 kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi b\u1ecb ki\u1ec7n \u0111\u01b0\u01a1ng nhi\u00ean c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n. Theo quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt t\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1, ng\u01b0\u1eddi kh\u1edfi ki\u1ec7n ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 ch\u1ee9ng minh y\u00eau c\u1ea7u c\u1ee7a m\u00ecnh l\u00e0 c\u00f3 c\u0103n c\u1ee9 v\u00e0 h\u1ee3p ph\u00e1p. Tuy nhi\u00ean, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a ng\u01b0\u1eddi b\u1ecb ki\u1ec7n c\u00f3 th\u1ec3 m\u1eb7c k\u1ec7 v\u1ee5 ki\u1ec7n ho\u1eb7c kh\u00f4ng tham gia t\u1ed1 t\u1ee5ng.<\/p>\n<p class=\"Normal\">Theo kho\u1ea3n 1 \u0110i\u1ec1u 91 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015, \u0111\u01b0\u01a1ng s\u1ef1 c\u00f3 y\u00eau c\u1ea7u th\u00ec ph\u1ea3i thu th\u1eadp, giao n\u1ed9p v\u00e0 cung c\u1ea5p cho t\u00f2a \u00e1n t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9 \u0111\u1ec3 ch\u1ee9ng minh cho y\u00eau c\u1ea7u \u0111\u00f3 l\u00e0 c\u00f3 c\u0103n c\u1ee9 v\u00e0 h\u1ee3p ph\u00e1p. Do \u0111\u00f3, trong v\u1ee5 \u00e1n \u0111\u00f2i n\u1ee3, nguy\u00ean \u0111\u01a1n ph\u1ea3i ch\u1ee9ng minh gi\u1eefa c\u00e1c b\u00ean c\u00f3 t\u1ed3n t\u1ea1i quan h\u1ec7 vay t\u00e0i s\u1ea3n ho\u1eb7c c\u00f3 c\u0103n c\u1ee9 ph\u00e1t sinh ngh\u0129a v\u1ee5 thanh to\u00e1n, nh\u01b0 h\u1ee3p \u0111\u1ed3ng vay, gi\u1ea5y nh\u1eadn n\u1ee3, sao k\u00ea chuy\u1ec3n kho\u1ea3n, tin nh\u1eafn, ghi \u00e2m ho\u1eb7c c\u00e1c ch\u1ee9ng c\u1ee9 h\u1ee3p ph\u00e1p kh\u00e1c.<\/p>\n<p class=\"Normal\">B\u00ean c\u1ea1nh \u0111\u00f3, kho\u1ea3n 2 \u0110i\u1ec1u 91 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015 c\u0169ng quy \u0111\u1ecbnh, \u0111\u01b0\u01a1ng s\u1ef1 ph\u1ea3n \u0111\u1ed1i y\u00eau c\u1ea7u c\u1ee7a ng\u01b0\u1eddi kh\u00e1c \u0111\u1ed1i v\u1edbi m\u00ecnh th\u00ec ph\u1ea3i th\u1ec3 hi\u1ec7n b\u1eb1ng v\u0103n b\u1ea3n v\u00e0 thu th\u1eadp, cung c\u1ea5p t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9 \u0111\u1ec3 ch\u1ee9ng minh cho s\u1ef1 ph\u1ea3n \u0111\u1ed1i \u0111\u00f3. V\u00ec v\u1eady, n\u1ebfu cho r\u1eb1ng m\u00ecnh kh\u00f4ng vay ti\u1ec1n ho\u1eb7c kh\u00f4ng c\u00f2n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 th\u00ec ng\u01b0\u1eddi b\u1ecb ki\u1ec7n c\u0169ng n\u00ean ch\u1ee7 \u0111\u1ed9ng cung c\u1ea5p c\u00e1c ch\u1ee9ng c\u1ee9 ch\u1ee9ng minh, thay v\u00ec ch\u1ec9 ph\u1ee7 nh\u1eadn b\u1eb1ng l\u1eddi n\u00f3i.<\/p>\n<p class=\"Normal\">\u0110\u1eb7c bi\u1ec7t, ng\u01b0\u1eddi b\u1ecb ki\u1ec7n kh\u00f4ng n\u00ean c\u00f3 t\u00e2m l\u00fd &#8220;m\u1eb7c k\u1ec7&#8221; v\u00ec cho r\u1eb1ng b\u00ean kh\u1edfi ki\u1ec7n kh\u00f4ng c\u00f3 ch\u1ee9ng c\u1ee9. Tr\u00ean th\u1ef1c t\u1ebf, n\u1ebfu t\u00f2a \u00e1n \u0111\u00e3 th\u1ee5 l\u00fd v\u1ee5 \u00e1n v\u00e0 tri\u1ec7u t\u1eadp h\u1ee3p l\u1ec7 m\u00e0 b\u1ecb \u0111\u01a1n v\u1eabn v\u1eafng m\u1eb7t th\u00ec theo \u0111i\u1ec3m b kho\u1ea3n 2 \u0110i\u1ec1u 227 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng d\u00e2n s\u1ef1 n\u0103m 2015, t\u00f2a \u00e1n v\u1eabn c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh x\u00e9t x\u1eed v\u1eafng m\u1eb7t b\u1ecb \u0111\u01a1n n\u1ebfu ng\u01b0\u1eddi n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c tri\u1ec7u t\u1eadp h\u1ee3p l\u1ec7 l\u1ea7n th\u1ee9 hai m\u00e0 v\u1eabn v\u1eafng m\u1eb7t kh\u00f4ng v\u00ec s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng ho\u1eb7c tr\u1edf ng\u1ea1i kh\u00e1ch quan.<\/p>\n<p class=\"Normal\">Do \u0111\u00f3, khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o th\u1ee5 l\u00fd v\u1ee5 \u00e1n ho\u1eb7c gi\u1ea5y tri\u1ec7u t\u1eadp c\u1ee7a t\u00f2a \u00e1n, ng\u01b0\u1eddi b\u1ecb ki\u1ec7n n\u00ean th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 vi\u1ec7c sau:<\/p>\n<p class=\"Normal\">&#8211; Nghi\u00ean c\u1ee9u k\u1ef9 \u0111\u01a1n kh\u1edfi ki\u1ec7n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9 m\u00e0 nguy\u00ean \u0111\u01a1n cung c\u1ea5p \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ecd \u0111ang d\u1ef1a tr\u00ean c\u0103n c\u1ee9 n\u00e0o y\u00eau c\u1ea7u tr\u1ea3 n\u1ee3.<\/p>\n<p class=\"Normal\">&#8211; G\u1eedi v\u0103n b\u1ea3n tr\u00ecnh b\u00e0y \u00fd ki\u1ebfn \u0111\u1ed1i v\u1edbi y\u00eau c\u1ea7u kh\u1edfi ki\u1ec7n, n\u00eau r\u00f5 quan \u0111i\u1ec3m c\u1ee7a m\u00ecnh v\u00e0 c\u00e1c c\u0103n c\u1ee9 ph\u1ea3n b\u00e1c n\u1ebfu cho r\u1eb1ng y\u00eau c\u1ea7u c\u1ee7a nguy\u00ean \u0111\u01a1n l\u00e0 kh\u00f4ng \u0111\u00fang.<\/p>\n<p class=\"Normal\">&#8211; Ch\u1ee7 \u0111\u1ed9ng thu th\u1eadp, giao n\u1ed9p c\u00e1c t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9 c\u00f3 l\u1ee3i nh\u01b0 sao k\u00ea ng\u00e2n h\u00e0ng, tin nh\u1eafn, email, ghi \u00e2m, ng\u01b0\u1eddi l\u00e0m ch\u1ee9ng ho\u1eb7c c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c ch\u1ee9ng minh kh\u00f4ng c\u00f3 quan h\u1ec7 vay t\u00e0i s\u1ea3n ho\u1eb7c ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n.<\/p>\n<p class=\"Normal\">&#8211; Tham gia \u0111\u1ea7y \u0111\u1ee7 c\u00e1c bu\u1ed5i l\u00e0m vi\u1ec7c, h\u00f2a gi\u1ea3i v\u00e0 phi\u00ean t\u00f2a theo gi\u1ea5y tri\u1ec7u t\u1eadp c\u1ee7a t\u00f2a \u00e1n \u0111\u1ec3 tr\u1ef1c ti\u1ebfp tr\u00ecnh b\u00e0y quan \u0111i\u1ec3m, \u0111\u1ed1i ch\u1ea5t v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh.<\/p>\n<p class=\"Normal\"><strong>K\u1ebft lu\u1eadn:<\/strong> Khi b\u1ecb ng\u01b0\u1eddi kh\u00e1c v\u00f4 c\u1edb kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3, ng\u01b0\u1eddi b\u1ecb ki\u1ec7n kh\u00f4ng n\u00ean m\u1eb7c k\u1ec7 m\u00e0 c\u1ea7n ch\u1ee7 \u0111\u1ed9ng tham gia qu\u00e1 tr\u00ecnh t\u1ed1 t\u1ee5ng, cung c\u1ea5p \u00fd ki\u1ebfn v\u00e0 ch\u1ee9ng c\u1ee9 \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p c\u1ee7a m\u00ecnh. Vi\u1ec7c t\u00edch c\u1ef1c ph\u1ed1i h\u1ee3p v\u1edbi t\u00f2a \u00e1n kh\u00f4ng ch\u1ec9 gi\u00fap l\u00e0m r\u00f5 b\u1ea3n ch\u1ea5t v\u1ee5 vi\u1ec7c m\u00e0 c\u00f2n h\u1ea1n ch\u1ebf nh\u1eefng r\u1ee7i ro ph\u00e1p l\u00fd c\u00f3 th\u1ec3 ph\u00e1t sinh n\u1ebfu v\u1ee5 \u00e1n \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft trong \u0111i\u1ec1u ki\u1ec7n b\u1ecb \u0111\u01a1n v\u1eafng m\u1eb7t.<\/p>\n<p align=\"right\" class=\"Normal\"><strong>Lu\u1eadt s\u01b0 Ph\u1ea1m Thanh H\u1eefu<\/strong><br \/><em>\u0110o\u00e0n lu\u1eadt s\u01b0 TP HCM<\/em><\/p>\n<\/article>\n<hr>\n<p>https:\/\/vnexpress.net\/bi-nguoi-khac-vo-co-kien-doi-no-toi-mac-ke-hay-phai-lam-gi-5104367.html<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ecb ng\u01b0\u1eddi kh\u00e1c v\u00f4 c\u1edb ki\u1ec7n \u0111\u00f2i n\u1ee3, t\u00f4i m\u1eb7c k\u1ec7 hay ph\u1ea3i l\u00e0m g\u00ec? T\u00f4i t\u1eebng h\u1ee3p t\u00e1c kinh doanh v\u1edbi m\u1ed9t \u0111\u1ed1i t\u00e1c v\u00e0 h\u1ecd \u0111\u1ecbnh k\u1ef3 chuy\u1ec3n ti\u1ec1n hoa h\u1ed3ng v\u00e0o t\u00e0i kho\u1ea3n theo th\u1ecfa thu\u1eadn. Tuy nhi\u00ean, sau khi hai b\u00ean ng\u1eebng h\u1ee3p t\u00e1c, ng\u01b0\u1eddi n\u00e0y b\u1ea5t ng\u1edd sao k\u00ea c\u00e1c<\/p>\n","protected":false},"author":1,"featured_media":13966,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-13965","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\/13965","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=13965"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/13965\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/13966"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}