{"id":22436,"date":"2026-10-13T20:10:03","date_gmt":"2026-10-13T13:10:03","guid":{"rendered":"https:\/\/useful.vn\/?p=22436"},"modified":"2026-10-13T20:10:03","modified_gmt":"2026-10-13T13:10:03","slug":"f88-du-kien-dat-hon-1-000-ty-lai-truoc-thue","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=22436","title":{"rendered":"F88 d\u1ef1 ki\u1ebfn \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 l\u00e3i tr\u01b0\u1edbc thu\u1ebf"},"content":{"rendered":"
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\nF88 d\u1ef1 ki\u1ebfn \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 l\u00e3i tr\u01b0\u1edbc thu\u1ebf <\/h1>\n

F88 \u01b0\u1edbc \u0111\u1ea1t 1.000 t\u1ef7 \u0111\u1ed3ng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf sau 8 th\u00e1ng, ti\u1ebfn g\u1ea7n m\u1ee5c ti\u00eau c\u1ea3 n\u0103m 1.133 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh CTCP \u0110\u1ea7u t\u01b0 F88 (m\u00e3 CK: F88), cho bi\u1ebft v\u1edbi t\u00ecnh h\u00ecnh kinh doanh hi\u1ec7n nay, doanh nghi\u1ec7p g\u1ea7n ch\u1ea1m m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn c\u1ea3 n\u0103m. D\u01b0 n\u1ee3 cho vay c\u1ee7a \u0111\u01a1n v\u1ecb hi\u1ec7n kho\u1ea3ng 9.400 t\u1ef7 \u0111\u1ed3ng. Do \u0111\u00f3, \u0111\u01a1n v\u1ecb n\u00e2ng m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf t\u1eeb 1.133 t\u1ef7 \u0111\u1ed3ng l\u00ean 1.500 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2026, t\u0103ng 65% so v\u1edbi k\u1ebft qu\u1ea3 n\u0103m 2025 v\u00e0 cao h\u01a1n 32% k\u1ebf ho\u1ea1ch \u0111\u01b0\u1ee3c \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u00f4ng qua.<\/p>\n

Hi\u1ec7n, c\u00f4ng ty c\u00f3 h\u01a1n 980 ph\u00f2ng giao d\u1ecbch t\u1ea1i 34 t\u1ec9nh, th\u00e0nh ph\u1ed1 v\u00e0 d\u1ef1 ki\u1ebfn v\u01b0\u1ee3t m\u1ed1c 1.000 c\u1eeda h\u00e0ng trong th\u00e1ng 9.<\/p>\n

B\u00e1o c\u00e1o t\u00e0i ch\u00ednh b\u00e1n ni\u00ean so\u00e1t x\u00e9t b\u1edfi KPMG cho th\u1ea5y, t\u1ed5ng doanh thu c\u1ee7a F88 \u0111\u1ea1t 2.758 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 58% so v\u1edbi c\u00f9ng k\u1ef3. L\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 6 th\u00e1ng t\u0103ng 114%, l\u00ean 686 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 61% k\u1ebf ho\u1ea1ch n\u0103m.<\/p>\n

K\u1ebft qu\u1ea3 n\u00e0y \u0111\u1ebfn t\u1eeb nhu c\u1ea7u t\u00edn d\u1ee5ng t\u1ea1i ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u1ee7a F88, c\u00f9ng vi\u1ec7c c\u00f4ng ty m\u1edf th\u00eam 27 chi nh\u00e1nh. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh v\u1eadt l\u00fd v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng mang l\u1ea1i g\u1ea7n 89.000 kh\u00e1ch h\u00e0ng vay m\u1edbi. L\u01b0\u1ee3ng t\u1ea3i \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng F88 c\u0169ng ti\u1ec7m c\u1eadn m\u1ed9t tri\u1ec7u l\u01b0\u1ee3t v\u00e0o cu\u1ed1i th\u00e1ng 6.<\/p>\n

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F88 t\u1ea1i H\u00e0 N\u1ed9i. \u1ea2nh: F88<\/em><\/p>\n<\/figcaption><\/figure>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 chi ph\u00ed v\u1ed1n th\u1ea5p h\u01a1n \u0111\u01b0\u1ee3c tri\u1ec3n khai t\u1eeb cu\u1ed1i n\u0103m 2025 ti\u1ebfp t\u1ee5c thu h\u00fat kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 th\u00fac \u0111\u1ea9y t\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng quay l\u1ea1i.<\/p>\n

“S\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u1ee7a ch\u00fang t\u00f4i kh\u00f4ng \u0111\u1ebfn t\u1eeb vi\u1ec7c n\u1edbi l\u1ecfng t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch \u1ed3 \u1ea1t, m\u00e0 l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c th\u1ef1c thi k\u1ef7 lu\u1eadt v\u00e0 chi\u1ebfm l\u0129nh th\u1ecb ph\u1ea7n”, b\u00e0 Th\u1ea3o kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

Theo Gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh F88, trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh thay th\u1ebf, qu\u1ea3n tr\u1ecb r\u1ee7i ro kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c lo\u1ea1i b\u1ecf ho\u00e0n to\u00e0n r\u1ee7i ro, b\u1edfi \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng v\u00e0 kh\u1ea3 n\u0103ng n\u1eafm b\u1eaft c\u01a1 h\u1ed9i th\u1ecb tr\u01b0\u1eddng. \u0110\u01a1n v\u1ecb \u0111\u1eb7t m\u1ee5c ti\u00eau duy tr\u00ec r\u1ee7i ro trong gi\u1edbi h\u1ea1n ki\u1ec3m so\u00e1t, \u0111\u1ed3ng th\u1eddi, c\u00e2n b\u1eb1ng gi\u1eefa m\u1edf r\u1ed9ng danh m\u1ee5c cho vay v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro \u0111\u1ec3 t\u1ed1i \u01b0u hi\u1ec7u qu\u1ea3 l\u1ee3i nhu\u1eadn r\u00f2ng.<\/p>\n

C\u00e1c ch\u1ec9 s\u1ed1 trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u0169ng cho th\u1ea5y xu h\u01b0\u1edbng ki\u1ec3m so\u00e1t r\u1ee7i ro c\u1ee7a doanh nghi\u1ec7p. T\u1ef7 l\u1ec7 x\u00f3a n\u1ee3 r\u00f2ng qu\u00fd II \u1edf m\u1ee9c 3,6%, t\u0103ng nh\u1eb9 so v\u1edbi 3,5% trong qu\u00fd I. \u0110\u01a1n v\u1ecb \u0111\u00e1nh gi\u00e1 ch\u00ednh s\u00e1ch x\u00f3a n\u1ee3 sau 90 ng\u00e0y khi\u1ebfn c\u00e1c t\u00e1c \u0111\u1ed9ng t\u1eeb nh\u1eefng y\u1ebfu t\u1ed1 b\u1ea5t l\u1ee3i c\u1ee7a kinh t\u1ebf v\u0129 m\u00f4 tr\u01b0\u1edbc \u0111\u00f3 \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh tr\u1ef1c ti\u1ebfp v\u00e0o b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 kinh doanh qu\u00fd II.<\/p>\n

Doanh nghi\u1ec7p c\u0169ng cho bi\u1ebft \u0111\u00e3 ch\u1ee7 \u0111\u1ed9ng tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p th\u1eaft ch\u1eb7t t\u00edn d\u1ee5ng tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ec3 chu\u1ea9n b\u1ecb cho c\u00e1c k\u1ecbch b\u1ea3n b\u1ea5t l\u1ee3i. T\u1ef7 l\u1ec7 thanh to\u00e1n \u0111\u00fang h\u1ea1n \u0111\u1ea1t 83,6%, duy tr\u00ec tr\u00ean m\u1ee9c m\u1ee5c ti\u00eau 80%.<\/p>\n

T\u1ef7 l\u1ec7 chuy\u1ec3n nh\u00f3m n\u1ee3 t\u1eeb B0 sang B1 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u1edf m\u1ee9c 3,2%, th\u1ea5p h\u01a1n ng\u01b0\u1ee1ng c\u1ea3nh b\u00e1o 3,5% v\u00e0 c\u1ea3i thi\u1ec7n so v\u1edbi m\u1ee9c 3,36% c\u1ee7a qu\u00fd I. B\u00ean c\u1ea1nh \u0111\u00f3, t\u1ef7 l\u1ec7 cho vay tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (LTV) b\u00ecnh qu\u00e2n \u0111\u01b0\u1ee3c duy tr\u00ec \u1edf m\u1ee9c 54%, v\u1edbi danh m\u1ee5c t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p g\u1ed3m xe m\u00e1y v\u00e0 \u00f4t\u00f4.<\/p>\n

B\u00e0 Th\u1ea3o nh\u1eadn \u0111\u1ecbnh c\u00e1c ch\u1ec9 s\u1ed1 r\u1ee7i ro c\u00f3 th\u1ec3 ch\u1ecbu th\u00eam \u00e1p l\u1ef1c trong qu\u00fd III. Tuy nhi\u00ean, F88 d\u1ef1 ki\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n s\u1ebd c\u1ea3i thi\u1ec7n r\u00f5 h\u01a1n trong qu\u00fd IV, sau khi c\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro, chi\u1ebfn l\u01b0\u1ee3c thu h\u1ed3i n\u1ee3 v\u00e0 ti\u00eau chu\u1ea9n th\u1ea9m \u0111\u1ecbnh \u0111\u01b0\u1ee3c tri\u1ec3n khai trong qu\u00fd II v\u00e0 III. Doanh nghi\u1ec7p d\u1ef1 ki\u1ebfn duy tr\u00ec t\u1ef7 l\u1ec7 x\u00f3a n\u1ee3 r\u00f2ng tr\u00ean d\u01b0 n\u1ee3 b\u00ecnh qu\u00e2n c\u1ea3 n\u0103m d\u01b0\u1edbi ng\u01b0\u1ee1ng kh\u1ea9u v\u1ecb r\u1ee7i ro 11% \u0111\u01b0\u1ee3c H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u00ea duy\u1ec7t.<\/p>\n

\u0110\u1ebfn n\u0103m 2030, F88 \u0111\u1eb7t m\u1ee5c ti\u00eau m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi l\u00ean 1.500-2.000 \u0111\u1ecba \u0111i\u1ec3m. Quy m\u00f4 c\u1ee5 th\u1ec3 s\u1ebd ph\u1ee5 thu\u1ed9c di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ed1c \u0111\u1ed9 chuy\u1ec3n d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eeb k\u00eanh offline sang online. Doanh nghi\u1ec7p k\u1ef3 v\u1ecdng n\u00e2ng s\u1ed1 kh\u00e1ch h\u00e0ng ph\u1ee5c v\u1ee5 l\u0169y k\u1ebf t\u1eeb 1,6 tri\u1ec7u l\u00ean 5 tri\u1ec7u ng\u01b0\u1eddi, \u0111\u1ed3ng th\u1eddi, \u0111\u01b0a l\u1ee3i nhu\u1eadn tuy\u1ec7t \u0111\u1ed1i l\u00ean g\u1ea5p 5 l\u1ea7n so v\u1edbi k\u1ebft qu\u1ea3 n\u0103m 2025.<\/p>\n

F88 \u0111\u00e1nh gi\u00e1 vi\u1ec7c m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u00f3 th\u1ec3 t\u1ea1o hi\u1ec7u qu\u1ea3 cao h\u01a1n khi n\u0103ng l\u1ef1c v\u1eadn h\u00e0nh \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u. Kho\u1ea3ng 99% ph\u00f2ng giao d\u1ecbch ho\u1ea1t \u0111\u1ed9ng tr\u00ean 12 th\u00e1ng \u0111\u00e3 c\u00f3 l\u00e3i. B\u00e0 Th\u1ea3o kh\u1eb3ng \u0111\u1ecbnh c\u00f4ng ty \u0111ang ng\u00e0y c\u00e0ng “ho\u00e0n thi\u1ec7n v\u1ec1 c\u00f4ng th\u1ee9c m\u1edf \u0111i\u1ec3m”, gi\u00fap th\u1eddi gian h\u00f2a v\u1ed1n t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng m\u1edbi c\u00f3 xu h\u01b0\u1edbng r\u00fat ng\u1eafn. Nhi\u1ec1u c\u1eeda h\u00e0ng c\u00f3 l\u00e3i sau 9 th\u00e1ng ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

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Nh\u00e2n vi\u00ean F88 t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng. \u1ea2nh: F88<\/em><\/p>\n<\/figcaption><\/figure>\n

Theo l\u00e3nh \u0111\u1ea1o F88, doanh nghi\u1ec7p c\u00f3 \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng khi n\u0103ng l\u1ef1c v\u1eadn h\u00e0nh \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u, dung l\u01b0\u1ee3ng th\u1ecb tr\u01b0\u1eddng c\u00f2n l\u1edbn v\u00e0 m\u00f4i tr\u01b0\u1eddng ch\u00ednh s\u00e1ch t\u1ea1o \u0111i\u1ec1u ki\u1ec7n gia t\u0103ng th\u1ecb ph\u1ea7n. T\u1ec7p kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 h\u1ed9 kinh doanh si\u00eau nh\u1ecf c\u00f2n l\u1edbn. “\u0110\u00e2y l\u00e0 ph\u00e2n kh\u00fac F88 t\u1eadp trung ph\u1ee5c v\u1ee5, v\u1edbi kh\u1ea9u v\u1ecb r\u1ee7i ro \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u00e0 \u0111\u1ecbnh gi\u00e1 ph\u00f9 h\u1ee3p nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a nh\u00f3m kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn \u0111\u1ea7y \u0111\u1ee7”, l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p n\u00f3i.<\/p>\n

Song song m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi c\u1eeda h\u00e0ng v\u1eadt l\u00fd, F88 \u0111\u00e3 m\u1edf th\u00eam trung t\u00e2m b\u1ea3o hi\u1ec3m NNX t\u1ea1i TP HCM trong qu\u00fd II v\u00e0 d\u1ef1 ki\u1ebfn th\u00ed \u0111i\u1ec3m c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi trong n\u1eeda cu\u1ed1i n\u0103m.<\/p>\n

Thi\u00ean Minh<\/strong><\/p>\n<\/article>\n

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https:\/\/vnexpress.net\/f88-du-kien-dat-hon-1-000-ty-lai-truoc-thue-5112896.html<\/p>\n","protected":false},"excerpt":{"rendered":"

F88 d\u1ef1 ki\u1ebfn \u0111\u1ea1t h\u01a1n 1.000 t\u1ef7 l\u00e3i tr\u01b0\u1edbc thu\u1ebf F88 \u01b0\u1edbc \u0111\u1ea1t 1.000 t\u1ef7 \u0111\u1ed3ng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf sau 8 th\u00e1ng, ti\u1ebfn g\u1ea7n m\u1ee5c ti\u00eau c\u1ea3 n\u0103m 1.133 t\u1ef7 \u0111\u1ed3ng. B\u00e0 Tr\u1ea7n Mai Th\u1ea3o, Gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh CTCP \u0110\u1ea7u t\u01b0 F88 (m\u00e3 CK: F88), cho bi\u1ebft v\u1edbi t\u00ecnh h\u00ecnh kinh doanh hi\u1ec7n<\/p>\n","protected":false},"author":1,"featured_media":22437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-22436","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\/22436","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=22436"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/22436\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/22437"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}