Vo mong vi vay von qua cong ty tai chinh

Tags: Ngoc Mai, cong ty tai chinh, lai suat uu dai, lai phai tra, mot cong ty, cac cong ty, khach hang, so tien, cho vay, hop dong, tien lai, nhan vien, trieu, thang, nha


Can them tien mua can nha, chi Ngoc Mai vay 120 trieu dong tai mot cong ty tai chinh voi lai suat uu dai, thu tuc nhanh gon. Nhung lam hop dong xong roi, chi moi te ngua ra khi thay tien lai phai tra cao hon rat nhieu.

Cac ngan hang dang giam lai suat dau ra va tim moi cach day manh hoat dong cho vay den cac doi tuong co nhu cau. Tuy nhien, voi tinh hinh cho vay tieu dung tin chap con de dat va can trong, cac tieu chuan that chat va nhom khach hang cung thu hep, khong phai ai cung co the dap ung du tat ca dieu kien de tiep can duoc nguon von vay tu nha bang.

Trong khi do, nhung chuong trinh cho vay tin chap cua cac cong ty tai chinh lai kha thoai mai, doi ngu nhan vien tu van luon tim moi cach de khach hang ky duoc hop dong. Tham chi, gan day, mot so cong ty tai chinh da cho nhan vien den tung nha dan de phat to roi, chu dong lien he dien thoai den cac khach hang tiem nang de gioi thieu nhung goi san pham hap dan cua don vi minh. Mot so luong lon nguoi tieu dung co nhu cau von vay da tim den cac to chuc tai chinh nay.

Tiep xuc voi TS, mot nhan vien Cong ty TNHH Mot thanh vien tai chinh Prudential (VN) tu van, khach hang khong can tai san the chap, khong can cong ty bao lanh van co the vay so tien toi da den 190 trieu dong, lai suat 1,25% mot thang (tuong duong muc tran lai suat cho vay 15% mot nam ngay tai thoi diem nhan vien tu van cho khach hang). Dac biet, thoi gian giai quyet ho so duoc tien hanh nhanh chong neu khach hang nop du cac chung tu can thiet.

Voi muc lai suat 1,25% mot thang, thoi han tra lai va goc keo dai cong dieu kien thu tuc ho so kha don gian, hau het khach khi co nhu cau vay von da khong ngan ngai su dung san pham nay. Tuy nhien, khi da ky hop dong, nhieu nguoi moi giat minh tiec nuoi vi tong so tien lai phai tra la qua cao.

Vo mong vi vay von qua cong ty tai chinh
De du tien mua sam, nhieu khach hang phai di vay tin chap tai cac cong ty tai chinh voi lai suat cao. Anh: T.A

Voi cach tinh lai suat theo du no ban dau (add - on) ma Cong ty Tai chinh Prudential ap dung cho vay tin dung tin chap hien nay, neu vay so tien 120 trieu dong trong thoi han 48 thang, lai suat 1,25% mot thang, khach hang se phai tra so tien lai tong cong la 72 trieu dong, trong khi neu lai suat duoc tinh theo du no giam dan, khach hang chi phai tra khoan lai 36,75 trieu dong.

"Khach hang ca nhan khi di vay thuong khong may chu y cach tinh lai suat cua cac to chuc tin dung. Dieu ho quan tam nhat la so tien lai va goc hang thang phai tra la bao nhieu de xem kha nang tai chinh cua minh co the dap ung duoc khong truoc khi quyet dinh ky hop dong", mot chuyen gia trong linh vuc tai chinh nhin nhan. Nhieu nguoi khi da lam hop dong vay xong mot thoi gian sau moi tham thia khi thay so tien lai tong cong minh phai tra qua cao.

Chinh cac khach hang di vay cung thua nhan dieu nay. "So tien vay tuong doi it, chi vai chuc trieu dong nen toi khong tim hieu can ke cach thuc lai duoc tinh theo cach thuc nao", anh Son (ngu tren duong Quang Trung, quan Go Vap) cho biet.

Tuy nhien, cung co mot so nguoi thac mac, yeu cau nhan vien giai thich thi muc do tu van cua doi ngu nhan vien cung chi dung lai o viec giai thich la nhu cau cua khach hang can mua san pham gi, kha nang tra truoc bao nhieu phan tram, can vay them bao nhieu, thoi han tra trong bao lau... Nhan vien se theo do huong dan khach hang cach tinh lai, tien goc hang thang phai tra de ho can nhac truoc khi ky hop dong vay.

Hau het cac cong ty tai chinh khi cho vay deu co quy dinh so tien khach hang vay se tuy thuoc vao thoi han vay. Thoi han vay cang ngan, so tien duoc vay se cang bi han che. Voi muc thu nhap duoc vay 60 trieu dong, khach hang phai vay trong thoi han 36-48 thang, neu muon vay trong 24 thang thi chi duoc so tien 40 trieu dong.

Trong khi do, voi cach tinh lai theo du no ban dau, thoi han vay cang keo dai, khach hang cang thiet thoi vi moi thang phai tra lai luon cho ca phan no goc da duoc "tra dan" o cac thang truoc do. Dac biet, trong tinh hinh lai suat thi truong lien tuc duoc dieu chinh theo xu huong giam, nguoi vay cang lo vi cong ty van co dinh theo muc lai cu da ky trong hop dong voi khach hang.

Cong ty tai chinh Prudential VN ngay thoi diem giua nam, luc cac ngan hang thuong mai dang tap trung nguon luc bao dam tinh thanh khoan, da tien hanh tang von dieu le gap hon 3 lan, len khoang 23 trieu dola, tuong duong 370 ty dong. Muc dich cua viec tang von nay la de tan cong thi truong voi 3 goi san pham tin dung tieu dung chu luc: cho vay tieu dung ca nhan, vay mua nha va cho vay ho tro mua sam. Tren thuc te, "nha cho vay" nay da thu hut duoc mot luong khach hang khong lo voi 300-400 ho so xin vay moi ngay.

Cong ty Tai chinh SG Viet Finance (SGVF) hien lien ket voi mot so don vi doanh nghiep kinh doanh hang tieu dung, dien may, dien tu cung cap cho khach hang cac khoan vay tin dung tieu dung ma khong can the chap, voi muc cho vay len den 200 trieu dong. Cac mat hang duoc cung cap khoan vay bao gom mat hang dien tu, thiet bi gia dung va do noi that, xe may.

Cac chuyen gia tai chinh tai TP HCM cung khuyen cao, mac du lai suat cho vay duoc cac to chuc tin dung nhan manh la "ap dung theo muc lai suat Ngan hang nha nuocquy dinh" nhung thuc chat khach hang phai tra tien lai cao hon nhieu.

Tan Vy

Viet Bao

Tìm hiểu: Ngoc Mai, cong ty tai chinh, lai suat uu dai, lai phai tra, mot cong ty, cac cong ty, khach hang, so tien, cho vay, hop dong, tien lai, nhan vien, trieu, thang, nha
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