{"id":2734,"date":"2026-07-03T11:30:56","date_gmt":"2026-07-03T04:30:56","guid":{"rendered":"https:\/\/useful.vn\/?p=2734"},"modified":"2026-07-03T11:30:56","modified_gmt":"2026-07-03T04:30:56","slug":"de-xuat-cho-hoc-sinh-sinh-vien-ngheo-vay-toi-da-8-trieu-dong-mot-thang","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=2734","title":{"rendered":"\u0110\u1ec1 xu\u1ea5t cho h\u1ecdc sinh, sinh vi\u00ean ngh\u00e8o vay t\u1ed1i \u0111a 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng"},"content":{"rendered":"
\n

\n\u0110\u1ec1 xu\u1ea5t cho h\u1ecdc sinh, sinh vi\u00ean ngh\u00e8o vay t\u1ed1i \u0111a 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng <\/h1>\n

B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng, g\u1ea5p \u0111\u00f4i hi\u1ec7n t\u1ea1i \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi bi\u1ebfn \u0111\u1ed9ng chi ph\u00ed sinh ho\u1ea1t v\u00e0 h\u1ecdc ph\u00ed.<\/p>\n

\u0110\u1ec1 xu\u1ea5t n\u00e0y \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh n\u00eau trong d\u1ef1 th\u1ea3o “Quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ecdc sinh, sinh vi\u00ean” \u0111ang l\u1ea5y \u00fd ki\u1ebfn.<\/p>\n

H\u1ecdc sinh v\u00e0 sinh vi\u00ean \u0111ang \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 4 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed h\u1ecdc t\u1eadp v\u00e0 sinh ho\u1ea1t ph\u00ed. M\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh g\u1ea7n nh\u1ea5t v\u00e0o n\u0103m 2022, nh\u01b0ng c\u01a1 quan so\u1ea1n th\u1ea3o cho r\u1eb1ng \u0111\u00e3 kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c ti\u1ec5n kinh t\u1ebf x\u00e3 h\u1ed9i hi\u1ec7n nay khi l\u1ea1m ph\u00e1t, h\u1ecdc ph\u00ed v\u00e0 sinh ho\u1ea1t ph\u00ed \u0111\u1ec1u t\u0103ng.<\/p>\n

C\u1ee5 th\u1ec3, t\u1eeb 2022 \u0111\u1ebfn nay, ch\u1ec9 s\u1ed1 gi\u00e1 ti\u00eau d\u00f9ng (CPI) t\u0103ng b\u00ecnh qu\u00e2n kho\u1ea3ng 3,34% m\u1ed7i n\u0103m. Theo B\u1ed9 T\u00e0i ch\u00ednh, kh\u1ea3o s\u00e1t th\u1ef1c t\u1ebf t\u1ea1i H\u00e0 N\u1ed9i v\u00e0 TP HCM, chi ph\u00ed sinh ho\u1ea1t c\u01a1 b\u1ea3n (\u0103n \u1edf, di chuy\u1ec3n, mua s\u1eafm s\u00e1ch v\u1edf v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n h\u1ecdc t\u1eadp) c\u1ee7a h\u1ecdc sinh, sinh vi\u00ean \u0111i h\u1ecdc xa nh\u00e0 dao \u0111\u1ed9ng 3-5 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng.<\/p>\n

\u0110\u1ed1i v\u1edbi h\u1ecdc ph\u00ed, t\u1eeb n\u0103m h\u1ecdc 2026-2027, m\u1ee9c thu t\u1ea1i c\u00e1c c\u01a1 s\u1edf gi\u00e1o d\u1ee5c \u0111\u1ea1i h\u1ecdc c\u00f4ng l\u1eadp t\u1eeb 17-87,5 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng m\u1ed7i th\u00e1ng 1,7 \u0111\u1ebfn 8,75 tri\u1ec7u \u0111\u1ed3ng do th\u1eddi gian h\u1ecdc th\u1ef1c t\u1ebf k\u00e9o d\u00e0i 10 th\u00e1ng.<\/p>\n

Theo B\u1ed9 T\u00e0i ch\u00ednh, t\u1ed5ng sinh ho\u1ea1t ph\u00ed v\u00e0 h\u1ecdc ph\u00ed c\u1ee7a h\u1ecdc sinh, sinh vi\u00ean c\u00f3 th\u1ec3 l\u00ean t\u1edbi 13,75 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng. Nguy\u00ean t\u1eafc c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng cho h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n l\u00e0 Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 kho\u1ea3ng 60%, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 8,25 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n

Do \u0111\u00f3, c\u01a1 quan so\u1ea1n th\u1ea3o \u0111\u1ec1 xu\u1ea5t n\u00e2ng m\u1ee9c cho vay t\u1ed1i \u0111a g\u1ea5p \u0111\u00f4i hi\u1ec7n t\u1ea1i, l\u00ean 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng. M\u1ee9c cho vay c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi t\u1eebng tr\u01b0\u1eddng h\u1ee3p s\u1ebd do Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i quy\u1ebft \u0111\u1ecbnh, t\u00f9y theo h\u1ecdc ph\u00ed t\u1eebng tr\u01b0\u1eddng v\u00e0 sinh ho\u1ea1t ph\u00ed t\u1eebng \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n

L\u00e3i su\u1ea5t cho vay hi\u1ec7n h\u00e0nh c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y l\u00e0 0,5% m\u1ed9t th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 6% m\u1ed9t n\u0103m. C\u01a1 quan so\u1ea1n th\u1ea3o d\u1ef1 ki\u1ebfn l\u00e3i su\u1ea5t m\u1edbi b\u1eb1ng cho vay h\u1ed9 ngh\u00e8o l\u00e0 0,52% m\u1ed9t th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 6,24% m\u1ed9t n\u0103m. Tuy nhi\u00ean, m\u1ee9c n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u1eebng th\u1eddi k\u1ef3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf.<\/p>\n

Ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb 2007 v\u00e0 \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c cho vay t\u1ed1i \u0111a b\u1ea3y l\u1ea7n. Theo b\u00e1o c\u00e1o c\u1ee7a Ng\u00e2n h\u00e0ng Ch\u00ednh s\u00e1ch x\u00e3 h\u1ed9i, sau 19 n\u0103m tri\u1ec3n khai, ch\u00ednh s\u00e1ch n\u00e0y h\u1ed7 tr\u1ee3 h\u01a1n 4 tri\u1ec7u l\u01b0\u1ee3t h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n.<\/p>\n

T\u1ed5ng doanh s\u1ed1 cho vay \u0111\u1ebfn cu\u1ed1i th\u00e1ng 5 \u0111\u1ea1t h\u01a1n 92.530 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng b\u00ecnh qu\u00e2n m\u1ed7i n\u0103m 4.870 t\u1ef7 \u0111\u1ed3ng. Hi\u1ec7n c\u00f2n h\u01a1n 355.000 h\u1ed9 gia \u0111\u00ecnh c\u00f2n d\u01b0 n\u1ee3 t\u1ed5ng c\u1ed9ng kho\u1ea3ng 25.000 t\u1ef7 \u0111\u1ed3ng. B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh t\u01b0\u01a1ng \u0111\u1ed1i hi\u1ec7u qu\u1ea3, b\u1edfi n\u1ee3 qu\u00e1 h\u1ea1n hi\u1ec7n t\u1ea1i ch\u01b0a \u0111\u1ebfn 65 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 0,27% t\u1ed5ng d\u01b0 n\u1ee3.<\/p>\n

Ngo\u00e0i \u0111i\u1ec1u ch\u1ec9nh tr\u1ea7n v\u00e0 l\u00e3i su\u1ea5t cho vay, B\u1ed9 T\u00e0i ch\u00ednh mu\u1ed1n b\u1ed5 sung h\u1ecdc sinh, sinh vi\u00ean c\u00f3 c\u1ea3 cha l\u1eabn m\u1eb9 m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 v\u00e0o nh\u00f3m th\u1ee5 h\u01b0\u1edfng ch\u00ednh s\u00e1ch “\u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh nh\u00e2n v\u0103n, h\u1ed7 tr\u1ee3 cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng y\u1ebfu th\u1ebf”.<\/p>\n

Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, c\u00f3 ba nh\u00f3m \u0111\u01b0\u1ee3c vay v\u1ed1n \u01b0u \u0111\u00e3i g\u1ed3m h\u1ecdc sinh, sinh vi\u00ean m\u1ed3 c\u00f4i c\u1ea3 cha l\u1eabn m\u1eb9 ho\u1eb7c m\u1ed9t trong hai ng\u01b0\u1eddi, nh\u01b0ng ng\u01b0\u1eddi c\u00f2n l\u1ea1i kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng; thu\u1ed9c di\u1ec7n h\u1ed9 ngh\u00e8o ho\u1eb7c c\u1eadn ngh\u00e8o; gia \u0111\u00ecnh g\u1eb7p kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh do tai n\u1ea1n, b\u1ec7nh t\u1eadt, thi\u00ean tai, d\u1ecbch b\u1ec7nh.<\/p>\n

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

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https:\/\/vnexpress.net\/de-xuat-cho-hoc-sinh-sinh-vien-ngheo-vay-toi-da-8-trieu-dong-mot-thang-5091630.html<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ec1 xu\u1ea5t cho h\u1ecdc sinh, sinh vi\u00ean ngh\u00e8o vay t\u1ed1i \u0111a 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t h\u1ecdc sinh, sinh vi\u00ean c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 8 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng, g\u1ea5p \u0111\u00f4i hi\u1ec7n t\u1ea1i \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi bi\u1ebfn \u0111\u1ed9ng chi ph\u00ed sinh ho\u1ea1t v\u00e0 h\u1ecdc<\/p>\n","protected":false},"author":1,"featured_media":2735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-2734","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\/2734","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=2734"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/2734\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/2735"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}