Quy dinh cua phap luat ve lai suat cho vay

Hoi: Do kinh doanh thieu von toi da phai di vay tien o ben ngoai, voi muc lai suat do chu no dua ra la 4%/thang. Toi muon hoi muc lai suat toi vay nhu tren co la vay voi lai suat nang khong? Co quy dinh nao ve viec tinh lai suat khi cac ben tu cho vay muon khong? Neu ben cho vay ma thua toi ra phap luat (do may thang gan day toi thieu tien chua tra tien lai hang thang cho ho, ho doi dua toi ra phap luat xu ly) thi ho co bi toi cho vay nang lai khong? Toi nay xu nhu the nao theo phap luat. (Cau hoi cua ban Nguyen Thu Thuy, Ha Noi).

Tra loi: Theo cac Dieu 476 Bo luat Dan su, chuyen vay no de lam von kinh doanh la viec lam binh thuong. Khi vay no hai ben thoa thuan voi nhau muc lai suat va thoi han vay; viec cho vay va vay phai lam hop dong vay no. Lai suat hang thang do hai ben thoa thuan nhung khong duoc vuot qua 150% cua lai suat co ban do Ngan hang Nha nuoc cong bo doi voi loai cho vay tuong ung (Vi du: Ngan hang Nha nuoc cong bo lai suat cho vay mua nha la 0,9%/thang ma cac ben vay muon voi nhau cung cung muc dich do ma lai suat 1,5%/thang la nang lai (vi vuot qua 150% lai suat co ban do Ngan hang Nha nuoc cong bo doi voi loai cho vay tuong ung).

Truong hop cua ban vay voi lai suat 4%/thang la nang lai; vi pham quy dinh ve lai suat. Neu vu viec duoc dua ra co quan phap luat xu ly thi co quan phap luat se ap dung quy dinh tren day (nghia la buoc cac ben thanh toan voi nhau lai suat khong vuot qua 150% lai suat co ban do Ngan hang Nha nuoc cong bo doi voi loai cho vay tuong ung).

Ve toi cho vay nang lai, theo dieu 163 Bo luat Hinh su:

1. Nguoi nao cho vay voi muc lai suat cao hon muc lai suat cao nhat ma phap luat quy dinh tu muoi lan tro len co tinh chat chuyen boc lot, thi bi phat tien tu mot lan den muoi lan so tien lai hoac phat cai tao khong giam giu den mot nam.

2. Pham toi thu loi bat chinh lon thi bi phat tu tu 6 thang den ba nam.

3. Nguoi pham toi con co the bi phat tien tu mot den nam lan so loi bat chinh, cam dam nhiem chuc vu, cam hanh nghe hoac lam cong viec nhat dinh tu mot nam den nam nam.

• Hoai Thu thuc hien