{"id":20467,"date":"2026-10-01T11:17:18","date_gmt":"2026-10-01T04:17:18","guid":{"rendered":"https:\/\/useful.vn\/?p=20467"},"modified":"2026-10-01T11:17:18","modified_gmt":"2026-10-01T04:17:18","slug":"lai-suat-tiet-kiem-van-tang-nhung-lai-cho-vay-chung-lai","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=20467","title":{"rendered":"L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m v\u1eabn t\u0103ng nh\u01b0ng l\u00e3i cho vay ch\u1eefng l\u1ea1i"},"content":{"rendered":"
\n

\nL\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m v\u1eabn t\u0103ng nh\u01b0ng l\u00e3i cho vay ch\u1eefng l\u1ea1i <\/h1>\n

C\u00e1c ng\u00e2n h\u00e0ng t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n 6-12 th\u00e1ng l\u00ean b\u00ecnh qu\u00e2n 7,8%, trong khi l\u00e3i su\u1ea5t cho vay duy tr\u00ec \u1edf 10,5%, ng\u1eaft chu\u1ed7i t\u0103ng k\u00e9o d\u00e0i t\u1eeb cu\u1ed1i n\u0103m ngo\u00e1i.<\/p>\n

Theo d\u1eef li\u1ec7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 h\u00f4m nay, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi b\u00ecnh qu\u00e2n th\u00e1ng 7 nh\u00edch l\u00ean \u1edf t\u1ea5t c\u1ea3 k\u1ef3 h\u1ea1n, tr\u1eeb d\u01b0\u1edbi m\u1ed9t th\u00e1ng. So v\u1edbi \u0111\u1ea7u n\u0103m, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u0103ng kho\u1ea3ng 1,5 \u0111i\u1ec3m ph\u1ea7n tr\u0103m.<\/p>\n

\u0110\u1ed1i v\u1edbi k\u1ef3 h\u1ea1n ng\u1eafn t\u1eeb 6-12 th\u00e1ng, l\u00e3i su\u1ea5t cao nh\u1ea5t l\u00e0 7,8% m\u1ed9t n\u0103m, t\u0103ng 0,2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m v\u00e0 n\u1ed1i d\u00e0i m\u1ea1ch t\u0103ng 10 th\u00e1ng li\u00ean ti\u1ebfp. C\u00e1c kho\u1ea3n g\u1eedi d\u00e0i h\u1ea1n tr\u00ean 24 th\u00e1ng \u0111\u01b0\u1ee3c tr\u1ea3 l\u00e3i \u0111\u1ebfn 7,9% m\u1ed9t n\u0103m.<\/p>\n

Theo ghi nh\u1eadn c\u1ee7a VnExpress<\/em>, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n nh\u01b0 NCB, MBV, Vikki… th\u1ef1c t\u1ebf \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t 8,5-9,2% cho k\u1ef3 h\u1ea1n 6 th\u00e1ng. L\u00e3i su\u1ea5t theo di\u1ec7n th\u1ecfa thu\u1eadn c\u00f2n cao h\u01a1n, l\u00ean \u0111\u1ebfn 9,5%, t\u00f9y thu\u1ed9c nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 s\u1ed1 ti\u1ec1n g\u1eedi, k\u1ef3 h\u1ea1n v\u00e0 kh\u1ea3 n\u0103ng th\u01b0\u01a1ng th\u1ea3o v\u1edbi nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng.<\/p>\n

Gi\u00e1m \u0111\u1ed1c kh\u1ed1i kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n cho hay l\u00e3i su\u1ea5t li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean khi\u1ebfn kh\u00e1ch h\u00e0ng d\u1ecbch chuy\u1ec3n d\u00f2ng ti\u1ec1n sang n\u01a1i tr\u1ea3 cao h\u01a1n, bu\u1ed9c nh\u00e0 b\u0103ng v\u1eeba t\u00ecm ngu\u1ed3n ti\u1ec1n m\u1edbi v\u1eeba t\u0103ng \u01b0u \u0111\u00e3i gi\u1eef kh\u00e1ch c\u0169.<\/p>\n

Trong l\u00fac cu\u1ed9c \u0111ua huy \u0111\u1ed9ng ch\u01b0a h\u1ea1 nhi\u1ec7t, m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay \u0111\u00e3 chuy\u1ec3n bi\u1ebfn t\u00edch c\u1ef1c khi ch\u1eefng l\u1ea1i \u1edf m\u1ee9c 10,5% m\u1ed9t n\u0103m<\/strong><\/span>, theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Tr\u01b0\u1edbc \u0111\u00f3, l\u00e3i su\u1ea5t gi\u1ea3i ng\u00e2n b\u00ecnh qu\u00e2n li\u00ean t\u1ee5c leo thang t\u1eeb 8,9% v\u00e0o cu\u1ed1i n\u0103m ngo\u00e1i l\u00ean nh\u01b0 hi\u1ec7n t\u1ea1i.<\/p>\n

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

\u1ede nh\u00f3m Big4, c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n v\u1edbi l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n 6,1-8,5% m\u1ed9t n\u0103m. C\u00f2n c\u00e1c nh\u00e0 b\u0103ng t\u01b0 nh\u00e2n nh\u01b0 HDBank, SeABank, ACB \u00e1p d\u1ee5ng 9,28-10,4% cho c\u00e1c kho\u1ea3n vay trung d\u00e0i h\u1ea1n.<\/p>\n

T\u1ea1i bu\u1ed5i l\u00e0m vi\u1ec7c v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng tu\u1ea7n tr\u01b0\u1edbc, Th\u1ee7 t\u01b0\u1edbng L\u00ea Minh H\u01b0ng y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft gi\u1ea3m chi ph\u00ed, \u1ed5n \u0111\u1ecbnh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t v\u00e0 gi\u1ea3m th\u1ef1c ch\u1ea5t l\u00e3i vay, qua \u0111\u00f3 chia s\u1ebb v\u1edbi ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p.<\/p>\n

M\u1ed9t s\u1ed1 b\u00ean nh\u01b0 Agribank, SHB, Sacombank, LPBank, BVBank… \u0111\u00e3 c\u00f4ng b\u1ed1 c\u00e1c g\u00f3i t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n 1-2% so v\u1edbi c\u00e1c kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng.<\/p>\n

Theo \u00f4ng L\u00ea Anh Tu\u1ea5n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Dragon Capital, trong b\u1ed1i c\u1ea3nh nhu c\u1ea7u t\u00edn d\u1ee5ng l\u1edbn c\u1ed9ng th\u00eam ch\u00eanh l\u1ec7ch ng\u00e0y c\u00e0ng r\u1ed9ng gi\u1eefa cho vay v\u00e0 huy \u0111\u1ed9ng, k\u1ecbch b\u1ea3n l\u00e3i su\u1ea5t \u0111\u1ed9t ng\u1ed9t \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh kh\u00f3 x\u1ea3y ra, m\u00e0 kh\u1ea3 n\u0103ng cao s\u1ebd gi\u1ea3m ch\u1eadm.<\/p>\n

\u00d4ng Tu\u1ea5n c\u0169ng d\u1ef1 b\u00e1o l\u00e3i su\u1ea5t huy \u0111\u1ed9ng th\u1eddi gian t\u1edbi “kh\u00f3 l\u00ean m\u1eb7t b\u1eb1ng cao m\u1edbi” b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 nhi\u1ec1u \u0111\u1ed9ng th\u00e1i h\u1ed7 tr\u1ee3 thanh kho\u1ea3n. C\u1ee5 th\u1ec3, c\u01a1 quan n\u00e0y \u0111\u00e3 b\u01a1m ti\u1ec1n tr\u1ef1c ti\u1ebfp th\u00f4ng qua nghi\u1ec7p v\u1ee5 th\u1ecb tr\u01b0\u1eddng m\u1edf (OMO), c\u00f3 l\u00fac h\u01a1n 18,6 t\u1ef7 USD. \u0110\u00e2y l\u00e0 vi\u1ec7c nh\u00e0 \u0111i\u1ec1u h\u00e0nh mua l\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 \u0111i\u1ec1u ti\u1ebft thanh kho\u1ea3n v\u00e0 \u1ed5n \u0111\u1ecbnh l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng. Nh\u00e0 \u0111i\u1ec1u h\u00e0nh c\u0169ng giao d\u1ecbch ho\u00e1n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 (FX swap) \u0111\u1ec3 cung \u1ee9ng cho h\u1ec7 th\u1ed1ng kho\u1ea3ng 3 t\u1ef7 USD.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f2n nhi\u1ec1u bi\u1ec7n ph\u00e1p gi\u00e1n ti\u1ebfp nh\u01b0 n\u1edbi l\u1ecfng c\u00e1ch t\u00ednh t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 cho vay tr\u00ean t\u1ed5ng ti\u1ec1n g\u1eedi (LDR), t\u0103ng t\u1ef7 l\u1ec7 v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung d\u00e0i h\u1ea1n v\u00e0 ch\u1ec9 \u0111\u1ea1o h\u1ea1 nhi\u1ec7t l\u00e3i su\u1ea5t.<\/p>\n

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

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L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m v\u1eabn t\u0103ng nh\u01b0ng l\u00e3i cho vay ch\u1eefng l\u1ea1i C\u00e1c ng\u00e2n h\u00e0ng t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n 6-12 th\u00e1ng l\u00ean b\u00ecnh qu\u00e2n 7,8%, trong khi l\u00e3i su\u1ea5t cho vay duy tr\u00ec \u1edf 10,5%, ng\u1eaft chu\u1ed7i t\u0103ng k\u00e9o d\u00e0i t\u1eeb cu\u1ed1i n\u0103m ngo\u00e1i. Theo d\u1eef li\u1ec7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng<\/p>\n","protected":false},"author":1,"featured_media":20468,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-20467","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\/20467","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=20467"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/20467\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/20468"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}