{"id":539,"date":"2024-03-16T03:47:38","date_gmt":"2024-03-15T20:47:38","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=539"},"modified":"2024-03-15T15:58:34","modified_gmt":"2024-03-15T08:58:34","slug":"khi-bi-lay-cap-thong-tin-ca-nhan-de-vay-tien-nguoi-bi-hai-co-phai-tra-no","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/khi-bi-lay-cap-thong-tin-ca-nhan-de-vay-tien-nguoi-bi-hai-co-phai-tra-no\/","title":{"rendered":"Khi b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 vay ti\u1ec1n, ng\u01b0\u1eddi b\u1ecb h\u1ea1i c\u00f3 ph\u1ea3i tr\u1ea3 n\u1ee3?"},"content":{"rendered":"
Khi vi\u1ec7c cho vay ti\u1ec1n nhanh<\/strong> tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng ch\u1ec9 v\u1edbi nh\u1eefng th\u1ee7 t\u1ee5c d\u1ec5 d\u00e0ng. Ch\u1ec9 v\u1edbi gi\u1ea5y ch\u1ee9ng minh nh\u00e2n d\u00e2n v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n vay ti\u1ec1n t\u1ea1i m\u1ed9t v\u00e0i c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh. Tuy nhi\u00ean, c\u0169ng v\u00ec s\u1ef1 l\u1ecfng l\u1ebbo n\u00e0y, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin vay \u0111\u1ec3 vay ti\u1ec1n. V\u1eady, nh\u1eefng ng\u01b0\u1eddi b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u00f3 ph\u1ea3i tr\u1ea3 n\u1ee3 kh\u00f4ng?<\/span><\/p>\n Theo quy \u0111\u1ecbnh trong \u0110i\u1ec1u 463 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 c\u00f3 \u0111\u1ecbnh ngh\u0129a v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n, t\u00e0i s\u1ea3n nh\u01b0 sau:<\/span><\/p>\n \u201cH\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean, theo \u0111\u00f3 b\u00ean cho vay giao t\u00e0i s\u1ea3n cho b\u00ean vay; khi \u0111\u1ebfn h\u1ea1n tr\u1ea3, b\u00ean vay ph\u1ea3i ho\u00e0n tr\u1ea3 cho b\u00ean cho vay t\u00e0i s\u1ea3n c\u00f9ng lo\u1ea1i theo \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn ho\u1eb7c ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh.\u201d<\/span><\/p>\n Theo nh\u01b0 nh\u1eefng quy \u0111\u1ecbnh tr\u00ean, m\u1ed1i quan h\u1ec7 vay ti\u1ec1n ch\u1ec9 h\u00ecnh th\u00e0nh v\u00e0 h\u1ee3p ph\u00e1p khi c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn, \u0111\u1ed3ng \u00fd c\u1ee7a c\u00e1c b\u00ean l\u00e0 b\u00ean cho vay v\u00e0 b\u00ean vay.<\/span><\/p>\n <\/p>\n Ngo\u00e0i ra, trong kho\u1ea3n 1 \u0110i\u1ec1u 466 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u0169ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 nh\u1eefng ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a ph\u00eda vay ti\u1ec1n ch\u00ednh x\u00e1c nh\u01b0 sau:<\/span><\/p>\n \u201cB\u00ean vay t\u00e0i s\u1ea3n l\u00e0 ti\u1ec1n th\u00ec ph\u1ea3i tr\u1ea3 \u0111\u1ee7 ti\u1ec1n khi \u0111\u1ebfn h\u1ea1n; n\u1ebfu t\u00e0i s\u1ea3n l\u00e0 v\u1eadt th\u00ec ph\u1ea3i tr\u1ea3 v\u1eadt c\u00f9ng lo\u1ea1i \u0111\u00fang s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 tho\u1ea3 thu\u1eadn kh\u00e1c.\u201d<\/span><\/p>\n Theo \u0111\u00fang nh\u01b0 quy \u0111\u1ecbnh n\u00e0y, n\u1ee3 s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c thanh to\u00e1n khi c\u1ea3 hai ph\u00eda \u0111\u1ec1u c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 vay ti\u1ec1n v\u00e0 ng\u01b0\u1eddi vay ti\u1ec1n s\u1ebd ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 theo \u0111\u00fang quy \u0111\u1ecbnh.<\/span><\/p>\n Nh\u01b0 v\u1eady, \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi d\u00e2n l\u1ea5y c\u1eafp th\u00f4ng tin \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c vay ti\u1ec1n b\u1eb1ng ch\u1ee9ng minh nh\u00e2n d\u00e2n, th\u1ebb c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n hay s\u1ed1 \u0111i\u1ec7n tho\u1ea1i…kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 b\u1edfi th\u1ef1c t\u1ebf kh\u00f4ng h\u1ec1 vay ti\u1ec1n.<\/span><\/p>\n Tuy v\u1eady, nh\u1eefng ng\u01b0\u1eddi b\u1ecb h\u1ea1i, b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin \u0111\u1ec3 vay ti\u1ec1n ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c r\u1eb1ng, b\u1ea3n th\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n th\u1ef1c hi\u1ec7n vi\u1ec7c vay ti\u1ec1n.<\/span><\/p>\n \u1ede th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n th\u00f4ng qua c\u00e1c app \u1ee9ng d\u1ee5ng r\u1ea5t ph\u1ed5 bi\u1ebfn. Nh\u1eefng th\u00f4ng \u0111i\u1ec7p m\u1eddi ch\u00e0o h\u1ea5p d\u1eabn, th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n, gi\u1ea3i ng\u00e2n nhanh ch\u00f3ng, kh\u00f4ng th\u1ea9m \u0111\u1ecbnh\u2026<\/span><\/p>\n Vi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c vay ti\u1ec1n di\u1ec5n ra qu\u00e1 \u0111\u01a1n gi\u1ea3n l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 nhi\u1ec1u k\u1ebb gian l\u1ee3i d\u1ee5ng, \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi kh\u00e1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi vay ti\u1ec1n v\u00e0 kh\u00f4ng tr\u1ea3 n\u1ee3.<\/span><\/p>\n Nh\u01b0 v\u1eady, \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u1ecb k\u1ebb gian \u0111\u00e1nh c\u1eafp th\u00f4ng tin v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0ng vi vay n\u1ee3. M\u1ed7i m\u1ed9t c\u00e1 nh\u00e2n \u0111\u1ec1u ph\u1ea3i c\u1ea3nh gi\u00e1c \u0111\u1ec3 tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin CMND\/CCCD v\u00e0 tr\u1edf th\u00e0nh n\u1ea1n nh\u00e2n mang nh\u1eefng kho\u1ea3n n\u1ee3 b\u1ea3n th\u00e2n kh\u00f4ng\u00a0 bi\u1ebft \u0111\u1ebfn.<\/span><\/p>\n Nh\u1eefng ng\u01b0\u1eddi b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin \u0111\u1ec3 vay ti\u1ec1n th\u01b0\u1eddng b\u1ecb c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, n\u01a1i k\u1ebb gian th\u1ef1c hi\u1ec7n vay ti\u1ec1n b\u1eb1ng th\u00f4ng tin gi\u1ea3 \u00e1p d\u1ee5ng nhi\u1ec1u h\u00ecnh th\u1ee9c \u0111\u00f2i n\u1ee3 kh\u00e1c nhau.\u00a0<\/span><\/p>\n Tuy v\u1eady, theo nh\u1eefng th\u00f4ng tin \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, kh\u00f4ng c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn vay ti\u1ec1n gi\u1eefa b\u00ean vay v\u00e0 b\u00ean cho vay th\u00ec ng\u01b0\u1eddi b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 vay ti\u1ec1n kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i tr\u1ea3 n\u1ee3. \u0110\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u00ean \u0111\u00f2i n\u1ee3 xu\u1ea5t tr\u00ecnh c\u00e1c th\u1ee7 t\u1ee5c, ch\u1ee9ng t\u1eeb cho vay ti\u1ec1n.<\/span><\/p>\n Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi b\u1ecb \u0111\u00f2i n\u1ee3 c\u0169ng c\u00f3 th\u1ec3 tr\u00ecnh b\u00e1o v\u1ee5 vi\u1ec7c l\u00ean c\u00e1c c\u01a1 quan c\u00f4ng \u00e1n \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u tra v\u00e0 l\u00e0m r\u00f5 th\u00f4ng tin theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u 7 Th\u00f4ng t\u01b0 28\/2020 c\u1ee7a B\u1ed9 C\u00f4ng an v\u00e0 \u0110i\u1ec1u 163 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng H\u00ecnh s\u1ef1 n\u0103m 2015. L\u00fac n\u00e0y, v\u1ee5 vi\u1ec7c s\u1ebd \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tra, x\u00e1c minh s\u1ef1 vi\u1ec7c c\u0169ng nh\u01b0 c\u00f3 ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd v\u1edbi ng\u01b0\u1eddi l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n.<\/span><\/p>\n C\u00e1c c\u01a1 quan m\u00e0 ng\u01b0\u1eddi b\u1ecb h\u1ea1i c\u00f3 th\u1ec3 \u0111\u1ebfn tr\u00ecnh b\u00e1o khi b\u1ecb tr\u1edf th\u00e0nh n\u1ea1n nh\u00e2n c\u1ee7a nh\u1eefng kho\u1ea3n n\u1ee3 kh\u00f4ng vay nh\u01b0:\u00a0\u00a0<\/span><\/p>\n \u0110\u1ec3 tr\u00e1nh x\u1ea3y ra nh\u1eefng tr\u01b0\u1eddng h\u1ee3p b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin, m\u1ed7i ng\u01b0\u1eddi \u0111\u1ec1u c\u1ea7n ph\u1ea3i c\u1ea3nh gi\u00e1c, kh\u00f4ng cung c\u1ea5p s\u1ed1 ch\u1ee9ng minh c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin li\u00ean quan v\u1edbi b\u1ea5t k\u1ef3 ai \u0111\u1ec3 tr\u00e1nh c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1ea5u c\u00f3 th\u1ec3 x\u1ea3y ra.<\/span><\/p>\n <\/p>\n \u0110\u1ed1i v\u1edbi nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n s\u1ebd x\u1eed l\u00fd theo kho\u1ea3n 5 \u0110i\u1ec1u 3 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 64\/2007\/N\u0110-CP c\u00f3 \u0111\u1ecbnh ngh\u0129a th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3 l\u00e0:<\/span><\/p>\n \u201cTh\u00f4ng tin c\u00e1 nh\u00e2n l\u00e0 th\u00f4ng tin \u0111\u1ee7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c danh t\u00ednh m\u1ed9t c\u00e1 nh\u00e2n, bao g\u1ed3m \u00edt nh\u1ea5t m\u1ed9t trong nh\u1eefng th\u00f4ng tin sau \u0111\u00e2y: h\u1ecd t\u00ean, ng\u00e0y sinh, ngh\u1ec1 nghi\u1ec7p, ch\u1ee9c danh, \u0111\u1ecba ch\u1ec9 li\u00ean h\u1ec7, \u0111\u1ecba ch\u1ec9 th\u01b0 \u0111i\u1ec7n t\u1eed, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, s\u1ed1 CMND, s\u1ed1 h\u1ed9 chi\u1ebfu. Nh\u1eefng th\u00f4ng tin thu\u1ed9c b\u00ed m\u1eadt c\u00e1 nh\u00e2n g\u1ed3m c\u00f3 h\u1ed3 s\u01a1 y t\u1ebf, h\u1ed3 s\u01a1 n\u1ed9p thu\u1ebf, s\u1ed1 th\u1ebb b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, s\u1ed1 th\u1ebb t\u00edn d\u1ee5ng v\u00e0 nh\u1eefng b\u00ed m\u1eadt c\u00e1 nh\u00e2n kh\u00e1c.\u201d<\/span><\/p>\n V\u00ec v\u1eady, nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c s\u1ebd b\u1ecb x\u1eed l\u00fd theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 38 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 vi\u1ec7c s\u1eed d\u1ee5ng th\u00f4ng tin, b\u00ed m\u1eadt c\u00e1 nh\u00e2n khi kh\u00f4ng \u0111\u01b0\u1ee3c cho ph\u00e9p s\u1ebd b\u1ecb x\u1eed l\u00fd theo:<\/span><\/p>\n Nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng s\u1eed d\u1ee5ng tr\u00e1i ph\u00e9p th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi kh\u00e1c s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 20 – 30 tri\u1ec7u \u0111\u1ed3ng \u0111\u00fang theo \u0111i\u1ec3m c kho\u1ea3n 2 \u0110i\u1ec1u 84 Ngh\u1ecb \u0111\u1ecbnh 15\/2020\/N\u0110-CP.\u00a0<\/span><\/p>\n Theo kho\u1ea3n 1 \u0110i\u1ec1u 584 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 c\u00f3 quy \u0111\u1ecbnh r\u1ea5t r\u00f5 r\u00e0ng v\u1ec1 v\u1ea5n \u0111\u1ec1 x\u1eed ph\u1ea1t khi l\u1ea5y c\u1eafp th\u00f4ng tin:<\/span><\/p>\n \u201cNg\u01b0\u1eddi n\u00e0o c\u00f3 h\u00e0nh vi x\u00e2m ph\u1ea1m t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe, danh d\u1ef1, nh\u00e2n ph\u1ea9m, uy t\u00edn, t\u00e0i s\u1ea3n, quy\u1ec1n, l\u1ee3i \u00edch h\u1ee3p ph\u00e1p kh\u00e1c c\u1ee7a ng\u01b0\u1eddi kh\u00e1c m\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i th\u00ec ph\u1ea3i b\u1ed3i th\u01b0\u1eddng, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p B\u1ed9 lu\u1eadt n\u00e0y, lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c.\u201d<\/span><\/p>\n V\u1eady n\u00ean, c\u00e1c ho\u1ea1t \u0111\u1ed9ng l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 s\u1eed d\u1ee5ng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau th\u00ec s\u1ebd ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi ch\u1ecbu thi\u1ec7t h\u1ea1i. Chi ph\u00ed b\u1ed3i th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c trao \u0111\u1ed5i v\u00e0 quy\u1ebft \u0111\u1ecbnh b\u1edfi ng\u01b0\u1eddi l\u1ea5y c\u1eafp th\u00f4ng tin v\u00e0 ng\u01b0\u1eddi b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin.<\/span><\/p>\n Nh\u01b0 v\u1eady, tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 nh\u1eefng th\u00f4ng tin chi ti\u1ebft nh\u1ea5t v\u1ec1 c\u00e2u h\u1ecfi c\u00f3 ph\u1ea3i tr\u1ea3 n\u1ee3 kh\u00f4ng khi b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 vay ti\u1ec1n m\u00e0 https:\/\/vaynhanhonline.com.vn<\/strong><\/a> ch\u00fang t\u00f4i t\u1ed5ng h\u1ee3p v\u00e0 g\u1eedi \u0111\u1ebfn b\u1ea1n \u0111\u1ecdc<\/span><\/p>\n Theo:luatvietnam.vn<\/p>\n\n\nNg\u01b0\u1eddi b\u1ecb h\u1ea1i c\u00f3 c\u1ea7n ph\u1ea3i tr\u1ea3 n\u1ee3 khi b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin \u0111\u1ec3 vay ti\u1ec1n kh\u00f4ng?<\/strong><\/h2>\n
L\u00e0m g\u00ec khi kh\u00f4ng th\u1ef1c hi\u1ec7n vay ti\u1ec1n nh\u01b0ng b\u1ecb \u0111\u00f2i n\u1ee3?<\/strong><\/h2>\n
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Khi l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c s\u1ebd b\u1ecb x\u1eed ph\u1ea1t nh\u01b0 th\u1ebf n\u00e0o?<\/strong><\/h2>\n
B\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh<\/strong><\/h3>\n
B\u1ecb b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i<\/strong><\/h3>\n