Vay tien mua nha Khong chiu noi lai suat

Tags: nhu cau nha o, mua nha tra gop, nha o cao, von va lai, cong nhan vien, chu dau tu, lai suat, can ho, dap ung, muc lai, vay von, dieu kien, trieu, moi, dong
Vay tien mua nha Khong chiu noi lai suat
Cao oc Sacomreal 584 tai quan Tan Phu, TPHCM duoc ban tra gop den 60% gia tri can ho, thoi han 15 nam.(anh: Nguoi Lao dong)

Tiep xuc mot so can bo cong nhan vien dang co nhu cau nha o, phan lon deu to ra that vong khi vay von mua nha tra gop. Ho cho rang muc lai suat ma cac NH dua ra van cao. Dieu kien vay ma cac NH dat ra chi co nhung nguoi nhieu tien, co nhu cau nha o cao cap moi dap ung duoc.

Nhieu ngan hang (NH) lien ket voi cac doanh nghiep (DN) dia oc cho vay mua nha tra gop thoi han 10 - 20 nam, nhung loi the gan nhu thuoc ve NH va DN.

Nhieu tien moi dap ung duoc

Ong T. den NH Phat trien nha TPHCM de nghi vay 200 trieu dong de mua can ho tri gia 500 trieu dong, tai san the chap la can ho du dinh mua. Nhan vien kinh doanh o day cho biet, lai suat tu 1,11% - 1,15%/thang, thoi han vay toi da la 10 nam; trong 6 thang hay 1 nam muc lai suat nay co the thay doi. Ong thac mac: “Truong hop nao duoc vay voi lai suat 1,11%/thang?” thi duoc giai thich neu khach hang tung co quan he tin dung, kha nang tra no hang thang it nhat 25% thu nhap, can ho dinh mua phai thuoc du an cua DN ma NH da lien ket..., thi NH se xem xet ap dung lai suat nay.

Theo mot nhan vien NH Sai Gon Thuong Tin – chi nhanh Go Vap, thoi han vay la 15 nam, muc lai suat 1,11%/thang chi ap dung doi voi nguoi vay 70% gia tri can ho, dong thoi thu nhap khach hang phai len toi 20 trieu - 30 trieu dong moi du kha nang tra von va lai hang thang. NH An Binh ap dung lai suat 1,15%/thang, thoi han 20 nam nhung voi dieu kien can ho du dinh mua o khu do thi Phu My Hung, nguoi vay phai co tai khoan tra luong qua NH.

Tiep xuc mot so CB – CNV dang co nhu cau nha o, phan lon deu to ra that vong khi vay von mua nha tra gop. Ho cho rang muc lai suat ma cac NH dua ra van cao. Dieu kien vay ma cac NH dat ra chi co nhung nguoi nhieu tien, co nhu cau nha o cao cap moi dap ung duoc.

Lai suat mem, quen biet la xong

Theo anh Dau Ngoc Tinh, can bo lao dong tien luong mot cong ty may, voi so tien vay 200 trieu dong va lai suat 1,1%/thang, anh phai chung minh thu nhap 20 trieu dong/thang, moi thang von va lai phai tra gan 6 trieu dong, moi dap ung duoc mot trong nhieu dieu kien NH dat ra. Trong khi thu nhap cua anh chi 10 trieu dong/thang, neu muon vay anh phai chap nhan lai suat 1,15%/thang.

Chi Le Thi Huong, can bo Van phong Giao dich Cao oc Phu Nhuan, cho biet khach hang mua nha tra gop cua chi deu than phien ve ap luc lai suat. Trong khi do, mot nu nhan vien tiep thi Cong ty Dia oc Nam Long tiet lo, khong it khach hang cua cong ty vay von NH voi lai suat duoi 1%/thang, mien quen biet la xong. Nhan vien nay tu van: “Phai chon mua nhung can ho cua cac du an ma NH lien ket tai tro von, tao moi quan he than thiet voi nhan vien NH, hoac la nhan vien trong nganh...”.

Hien nay, phan lon cac NH cho DN vay von ngay khi du an nha o moi khoi cong. Nguoi mua vay tien NH se tra cho chu dau tu 5 - 6 dot, trong vong 2 nam. So tien vay moi dot NH chuyen vao tai khoan cua DN, tien van chua ra khoi NH. Chu dau tu xem nhu da gui mot khoan tien vao NH de tra mot phan von va lai vay. NH co quyen su dung so tien nay de kinh doanh; boi giua NH va chu dau tu da co nhung thoa thuan khi nguoi mua tra tien mua nha. Nhu vay, NH thu hoi duoc mot phan von, DN tiet giam duoc chi phi; nguoi vay luon dung truoc ap luc lai suat.

(theo Nguoi Lao dong)

Viet Bao

Tìm hiểu: nhu cau nha o, mua nha tra gop, nha o cao, von va lai, cong nhan vien, chu dau tu, lai suat, can ho, dap ung, muc lai, vay von, dieu kien, trieu, moi, dong

Xem Bản Tiếng Việt Có Dấu: Vay tiền mua nhà: Không chịu nổi lãi suất

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