{"id":6394,"date":"2026-05-13T15:43:49","date_gmt":"2026-05-13T08:43:49","guid":{"rendered":"https:\/\/phasangiaithe.man.net.vn\/?p=6394"},"modified":"2026-05-13T15:43:49","modified_gmt":"2026-05-13T08:43:49","slug":"ca-nhan-mat-kha-nang-thanh-toan","status":"publish","type":"post","link":"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/","title":{"rendered":"C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n: C\u00f3 b\u1ecb ki\u1ec7n hay \u0111i t\u00f9 kh\u00f4ng?"},"content":{"rendered":"<p><strong>C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n<\/strong> l\u00e0 tr\u1ea1ng th\u00e1i ng\u01b0\u1eddi vay g\u1eb7p kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh, d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u00e3 \u0111\u1ebfn k\u1ef3 thanh to\u00e1n. Theo quy \u0111\u1ecbnh t\u1ea1i <a title=\"null\" href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Quyen-dan-su\/Bo-luat-dan-su-2015-296215.aspx\" target=\"_blank\" rel=\"noopener\">Civil Code 2015<\/a>, vi\u1ec7c th\u1ea5u hi\u1ec3u c\u00e1c ch\u1ebf t\u00e0i ph\u00e1p l\u00fd v\u00e0 quy tr\u00ecnh t\u00e1i c\u01a1 c\u1ea5u n\u1ee3 l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng gi\u00fap ng\u01b0\u1eddi n\u1ee3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecb kh\u1edfi ki\u1ec7n v\u00e0 b\u1ea3o v\u1ec7 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Index<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Hieu_dung_ve_tinh_trang_ca_nhan_mat_kha_nang_thanh_toan\" >Hi\u1ec3u \u0111\u00fang v\u1ec1 t\u00ecnh tr\u1ea1ng c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Dau_hieu_nhan_biet_su_mat_can_doi_tai_chinh\" >D\u1ea5u hi\u1ec7u nh\u1eadn bi\u1ebft s\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Nguyen_nhan_khien_ca_nhan_mat_kha_nang_chi_tra_va_phat_sinh_no_qua_han\" >Nguy\u00ean nh\u00e2n khi\u1ebfn c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 v\u00e0 ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Hau_qua_phap_ly_khi_ca_nhan_mat_kha_nang_thanh_toan_keo_dai\" >H\u1eadu qu\u1ea3 ph\u00e1p l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n k\u00e9o d\u00e0i<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Ton_hai_lich_su_tin_dung_tren_he_thong_CIC\" >T\u1ed5n h\u1ea1i l\u1ecbch s\u1eed t\u00edn d\u1ee5ng tr\u00ean h\u1ec7 th\u1ed1ng CIC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Rui_ro_bi_khoi_kien_dan_su_doi_no\" >R\u1ee7i ro b\u1ecb kh\u1edfi ki\u1ec7n d\u00e2n s\u1ef1 \u0111\u00f2i n\u1ee3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Cuong_che_thi_hanh_an_va_ke_bien_tai_san\" >C\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh \u00e1n v\u00e0 k\u00ea bi\u00ean t\u00e0i s\u1ea3n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Ca_nhan_mat_kha_nang_tra_no_co_bi_di_tu_hay_bi_bat_khong\" >C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u00f3 b\u1ecb \u0111i t\u00f9 hay b\u1ecb b\u1eaft kh\u00f4ng?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Cac_truong_hop_dan_su_khong_bi_xu_ly_hinh_su\" >C\u00e1c tr\u01b0\u1eddng h\u1ee3p d\u00e2n s\u1ef1 kh\u00f4ng b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Rui_ro_hinh_su_ve_toi_chiem_doat_tai_san\" >R\u1ee7i ro h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Ca_nhan_mat_kha_nang_thanh_toan_co_duoc_tuyen_bo_pha_san_khong\" >C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00f3 \u0111\u01b0\u1ee3c tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Giai_phap_xu_ly_khi_ca_nhan_mat_kha_nang_tra_no_ngan_hang\" >Gi\u1ea3i ph\u00e1p x\u1eed l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Cau_hoi_thuong_gap_FAQ\" >C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#No_bao_nhieu_tien_thi_bi_ngan_hang_khoi_kien_doi_no\" >N\u1ee3 bao nhi\u00eau ti\u1ec1n th\u00ec b\u1ecb ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Mat_kha_nang_thanh_toan_co_bi_ke_bien_nha_dat_duy_nhat_khong\" >M\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00f3 b\u1ecb k\u00ea bi\u00ean nh\u00e0 \u0111\u1ea5t duy nh\u1ea5t kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Bi_no_xau_nhom_3_4_5_co_the_vay_von_lai_duoc_khong\" >B\u1ecb n\u1ee3 x\u1ea5u nh\u00f3m 3, 4, 5 c\u00f3 th\u1ec3 vay v\u1ed1n l\u1ea1i \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/ca-nhan-mat-kha-nang-thanh-toan\/#Ket_luan\" >Conclude<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Hieu_dung_ve_tinh_trang_ca_nhan_mat_kha_nang_thanh_toan\"><\/span>Hi\u1ec3u \u0111\u00fang v\u1ec1 t\u00ecnh tr\u1ea1ng c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_6395\" aria-describedby=\"caption-attachment-6395\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-6395\" src=\"https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi.jpg\" alt=\"C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n th\u00ec c\u1ea7n l\u00e0m g\u00ec\" width=\"1200\" height=\"675\" srcset=\"https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi.jpg 1200w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi-300x169.jpg 300w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi-1024x576.jpg 1024w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi-768x432.jpg 768w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Ca-nhan-mat-kha-nang-thanh-toan-thi-can-lam-gi-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-6395\" class=\"wp-caption-text\">C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n th\u00ec c\u1ea7n l\u00e0m g\u00ec<\/figcaption><\/figure>\n<p>Th\u1ef1c t\u1ebf, c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t r\u00f5 r\u1ec7t gi\u1eefa vi\u1ec7c ch\u1eadm thanh to\u00e1n t\u1ea1m th\u1eddi v\u00e0 t\u00ecnh tr\u1ea1ng m\u1ea5t thanh kho\u1ea3n th\u1ef1c s\u1ef1. M\u1ed9t c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n khi d\u00f2ng ti\u1ec1n r\u00f2ng hi\u1ec7n c\u00f3 kh\u00f4ng c\u00f2n \u0111\u1ee7 \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho c\u00e1c kho\u1ea3n n\u1ee3 \u0111\u1ebfn h\u1ea1n, d\u00f9 \u0111\u00e3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p c\u1eaft gi\u1ea3m chi ti\u00eau ho\u1eb7c huy \u0111\u1ed9ng ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh d\u1ef1 ph\u00f2ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dau_hieu_nhan_biet_su_mat_can_doi_tai_chinh\"><\/span>D\u1ea5u hi\u1ec7u nh\u1eadn bi\u1ebft s\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng c\u1ee7a t\u00ecnh tr\u1ea1ng v\u1ee1 n\u1ee3, ng\u01b0\u1eddi vay c\u1ea7n quan s\u00e1t c\u00e1c bi\u1ec3u hi\u1ec7n c\u1ee5 th\u1ec3 sau:<\/p>\n<ul>\n<li>C\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng, n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng qu\u00e1 h\u1ea1n tr\u00ean 90 ng\u00e0y.<\/li>\n<li>Nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o nh\u1eafc n\u1ee3 \u0111\u1ecbnh k\u1ef3 v\u00e0 y\u00eau c\u1ea7u thanh to\u00e1n to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 t\u1eeb ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/li>\n<li>T\u1ed5ng n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ph\u00e1t sinh v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng thu nh\u1eadp trong d\u00e0i h\u1ea1n, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng l\u00e3i ch\u1ed3ng l\u00e3i.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Nguyen_nhan_khien_ca_nhan_mat_kha_nang_chi_tra_va_phat_sinh_no_qua_han\"><\/span>Nguy\u00ean nh\u00e2n khi\u1ebfn c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 v\u00e0 ph\u00e1t sinh n\u1ee3 qu\u00e1 h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>S\u1ef1 \u0111\u1ee9t g\u00e3y d\u00f2ng ti\u1ec1n l\u00e0 nguy\u00ean nh\u00e2n c\u1ed1t l\u00f5i d\u1eabn \u0111\u1ebfn vi\u1ec7c vi ph\u1ea1m c\u00e1c cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n. C\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t ng\u01b0\u1eddi:<\/p>\n<ul>\n<li><strong>L\u1ea1m d\u1ee5ng \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh:<\/strong> S\u1eed d\u1ee5ng v\u1ed1n t\u00edn ch\u1ea5p \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh r\u1ee7i ro nh\u01b0ng b\u1ecb k\u1eb9t v\u1ed1n, kh\u00f4ng th\u1ec3 xoay s\u1edf d\u00f2ng ti\u1ec1n khi \u0111\u1ebfn k\u1ef3 thanh to\u00e1n.<\/li>\n<li><strong>Bi\u1ebfn \u0111\u1ed9ng thu nh\u1eadp \u0111\u1ed9t ng\u1ed9t:<\/strong> Vi\u1ec7c m\u1ea5t vi\u1ec7c l\u00e0m ho\u1eb7c s\u1ee5t gi\u1ea3m doanh thu kinh doanh khi\u1ebfn k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 d\u1ef1 ki\u1ebfn b\u1ecb ph\u00e1 s\u1ea3n.<\/li>\n<li><strong>T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i:<\/strong> \u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay d\u00e0i h\u1ea1n, bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t t\u0103ng cao khi\u1ebfn s\u1ed1 ti\u1ec1n l\u00e3i v\u01b0\u1ee3t qu\u00e1 d\u1ef1 to\u00e1n ban \u0111\u1ea7u, g\u00e2y \u00e1p l\u1ef1c l\u00ean chi ti\u00eau h\u1eb1ng ng\u00e0y.<\/li>\n<li><strong>Thi\u1ebfu k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh:<\/strong> Ki\u1ec3m so\u00e1t chi ti\u00eau l\u1ecfng l\u1ebbo d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng vay m\u1edbi tr\u1ea3 c\u0169, t\u00edch t\u1ee5 d\u01b0 n\u1ee3 ngo\u00e0i ki\u1ec3m so\u00e1t.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Hau_qua_phap_ly_khi_ca_nhan_mat_kha_nang_thanh_toan_keo_dai\"><\/span>H\u1eadu qu\u1ea3 ph\u00e1p l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n k\u00e9o d\u00e0i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi vi ph\u1ea1m ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3, ng\u01b0\u1eddi vay s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c ch\u1ebf t\u00e0i t\u1eeb c\u1ea3 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 h\u1ec7 th\u1ed1ng t\u01b0 ph\u00e1p. C\u00e1c h\u1eadu qu\u1ea3 n\u00e0y \u0111\u01b0\u1ee3c ph\u00e2n c\u1ea5p theo th\u1eddi gian ch\u1eadm tr\u1ea3 v\u00e0 t\u00ednh ch\u1ea5t c\u1ee7a kho\u1ea3n vay.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ton_hai_lich_su_tin_dung_tren_he_thong_CIC\"><\/span>T\u1ed5n h\u1ea1i l\u1ecbch s\u1eed t\u00edn d\u1ee5ng tr\u00ean h\u1ec7 th\u1ed1ng CIC<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ecdi kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ec1u \u0111\u01b0\u1ee3c ghi nh\u1eadn tr\u00ean <a title=\"null\" href=\"https:\/\/www.vpbank.com.vn\/bi-kip-va-chia-se\/corporate-story-and-tips\/corporate-sat-category\/cic-la-gi\" target=\"_blank\" rel=\"noopener\">Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia (CIC)<\/a>.<\/p>\n<table style=\"width: 100%; border-color: #000000;\" border=\"1\" cellspacing=\"2\" cellpadding=\"12\">\n<caption>Ph\u00e2n lo\u1ea1i nh\u00f3m n\u1ee3 v\u00e0 \u1ea3nh h\u01b0\u1edfng t\u00edn d\u1ee5ng<\/caption>\n<tbody>\n<tr>\n<th style=\"text-align: center;\">Nh\u00f3m n\u1ee3<\/th>\n<th style=\"text-align: center;\">Th\u1eddi gian qu\u00e1 h\u1ea1n<\/th>\n<th style=\"text-align: center;\">M\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng<\/th>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>Nh\u00f3m 1<\/strong><\/td>\n<td style=\"text-align: center;\">D\u01b0\u1edbi 10 ng\u00e0y<\/td>\n<td style=\"text-align: center;\">N\u1ee3 \u0111\u1ee7 ti\u00eau chu\u1ea9n, c\u1ea7n x\u1eed l\u00fd ngay \u0111\u1ec3 gi\u1eef l\u1ecbch s\u1eed s\u1ea1ch.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>Nh\u00f3m 2<\/strong><\/td>\n<td style=\"text-align: center;\">T\u1eeb 10 \u0111\u1ebfn 90 ng\u00e0y<\/td>\n<td style=\"text-align: center;\">N\u1ee3 c\u1ea7n ch\u00fa \u00fd, h\u1ea1n ch\u1ebf quy\u1ec1n ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay m\u1edbi.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>Nh\u00f3m 3 &#8211; 5<\/strong><\/td>\n<td style=\"text-align: center;\">Tr\u00ean 90 ng\u00e0y<\/td>\n<td style=\"text-align: center;\">N\u1ee3 x\u1ea5u, b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p t\u00edn d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng trong \u00edt nh\u1ea5t 5 n\u0103m.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>L\u01b0u \u00fd: Sau khi t\u1ea5t to\u00e1n n\u1ee3, d\u1eef li\u1ec7u n\u1ee3 x\u1ea5u v\u1eabn l\u01b0u kho tr\u00ean h\u1ec7 th\u1ed1ng CIC t\u1eeb 3 \u0111\u1ebfn 5 n\u0103m t\u00f9y thu\u1ed9c v\u00e0o nh\u00f3m n\u1ee3 tr\u01b0\u1edbc \u0111\u00f3.<\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Rui_ro_bi_khoi_kien_dan_su_doi_no\"><\/span>R\u1ee7i ro b\u1ecb kh\u1edfi ki\u1ec7n d\u00e2n s\u1ef1 \u0111\u00f2i n\u1ee3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt d\u00e2n s\u1ef1, ch\u1ee7 n\u1ee3 c\u00f3 quy\u1ec1n kh\u1edfi ki\u1ec7n t\u1ea1i T\u00f2a \u00e1n c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 y\u00eau c\u1ea7u ng\u01b0\u1eddi n\u1ee3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 g\u1ed1c, l\u00e3i v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed ph\u1ea1t ch\u1eadm tr\u1ea3 \u0111\u00e3 cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cuong_che_thi_hanh_an_va_ke_bien_tai_san\"><\/span>C\u01b0\u1ee1ng ch\u1ebf thi h\u00e0nh \u00e1n v\u00e0 k\u00ea bi\u00ean t\u00e0i s\u1ea3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi c\u00f3 b\u1ea3n \u00e1n c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p lu\u1eadt, n\u1ebfu ng\u01b0\u1eddi n\u1ee3 v\u1eabn kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, c\u01a1 quan Thi h\u00e0nh \u00e1n d\u00e2n s\u1ef1 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p c\u01b0\u1ee1ng ch\u1ebf. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c k\u00ea bi\u00ean, \u0111\u1ea5u gi\u00e1 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m (nh\u01b0 nh\u00e0 \u0111\u1ea5t, xe c\u1ed9) ho\u1eb7c tr\u1eeb v\u00e0o thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi n\u1ee3 \u0111\u1ec3 thanh to\u00e1n c\u00e1c kho\u1ea3n ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh c\u00f2n t\u1ed3n \u0111\u1ecdng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ca_nhan_mat_kha_nang_tra_no_co_bi_di_tu_hay_bi_bat_khong\"><\/span>C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u00f3 b\u1ecb \u0111i t\u00f9 hay b\u1ecb b\u1eaft kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_6397\" aria-describedby=\"caption-attachment-6397\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-6397\" src=\"https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai.jpg\" alt=\"H\u1eadu qu\u1ea3 ph\u00e1p l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n k\u00e9o d\u00e0i\" width=\"1200\" height=\"675\" srcset=\"https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai.jpg 1200w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai-300x169.jpg 300w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai-1024x576.jpg 1024w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai-768x432.jpg 768w, https:\/\/phasangiaithe.man.net.vn\/wp-content\/uploads\/2026\/05\/Hau-qua-phap-ly-khi-ca-nhan-mat-kha-nang-thanh-toan-keo-dai-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-6397\" class=\"wp-caption-text\">H\u1eadu qu\u1ea3 ph\u00e1p l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n k\u00e9o d\u00e0i<\/figcaption><\/figure>\n<p>\u0110\u00e2y l\u00e0 m\u1ed1i lo ng\u1ea1i ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi vay khi r\u01a1i v\u00e0o c\u1ea3nh v\u1ee1 n\u1ee3. V\u1ec1 b\u1ea3n ch\u1ea5t, quan h\u1ec7 vay m\u01b0\u1ee3n l\u00e0 giao d\u1ecbch d\u00e2n s\u1ef1 thu\u1ea7n t\u00fay.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_truong_hop_dan_su_khong_bi_xu_ly_hinh_su\"><\/span>C\u00e1c tr\u01b0\u1eddng h\u1ee3p d\u00e2n s\u1ef1 kh\u00f4ng b\u1ecb x\u1eed l\u00fd h\u00ecnh s\u1ef1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>N\u1ebfu ng\u01b0\u1eddi vay th\u1ef1c s\u1ef1 m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3 do r\u1ee7i ro kh\u00e1ch quan nh\u01b0 kinh doanh thua l\u1ed7, th\u1ea5t nghi\u1ec7p ho\u1eb7c tai n\u1ea1n, ph\u00e1p lu\u1eadt Vi\u1ec7t Nam kh\u00f4ng \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i h\u00ecnh s\u1ef1. Vi\u1ec7c kh\u00f4ng c\u00f3 ti\u1ec1n tr\u1ea3 n\u1ee3 kh\u00f4ng ph\u1ea3i l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 b\u1eaft gi\u1eef hay b\u1ecf t\u00f9.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Rui_ro_hinh_su_ve_toi_chiem_doat_tai_san\"><\/span>R\u1ee7i ro h\u00ecnh s\u1ef1 v\u1ec1 t\u1ed9i chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tuy nhi\u00ean, t\u1ed9i danh &#8220;L\u1ea1m d\u1ee5ng t\u00edn nhi\u1ec7m chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n&#8221; t\u1ea1i <a title=\"null\" href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Trach-nhiem-hinh-su\/Bo-luat-hinh-su-2015-296661.aspx\" target=\"_blank\" rel=\"noopener\">B\u1ed9 lu\u1eadt H\u00ecnh s\u1ef1 2015<\/a> s\u1ebd ph\u00e1t sinh n\u1ebfu ng\u01b0\u1eddi vay c\u00f3 c\u00e1c h\u00e0nh vi:<\/p>\n<ul>\n<li><strong>Gian d\u1ed1i:<\/strong> Cung c\u1ea5p th\u00f4ng tin t\u00e0i ch\u00ednh sai s\u1ef1 th\u1eadt ngay t\u1eeb kh\u00e2u l\u1eadp h\u1ed3 s\u01a1 vay.<\/li>\n<li><strong>T\u1ea9u t\u00e1n t\u00e0i s\u1ea3n:<\/strong> C\u00f3 t\u00e0i s\u1ea3n nh\u01b0ng c\u1ed1 t\u00ecnh chuy\u1ec3n d\u1ecbch cho ng\u01b0\u1eddi kh\u00e1c, b\u1ecf tr\u1ed1n ho\u1eb7c c\u1eaft \u0111\u1ee9t li\u00ean l\u1ea1c nh\u1eb1m tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3.<\/li>\n<li><strong>S\u1eed d\u1ee5ng v\u1ed1n tr\u00e1i lu\u1eadt:<\/strong> D\u00f9ng ti\u1ec1n vay v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p d\u1eabn \u0111\u1ebfn m\u1ea5t kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3.<\/li>\n<\/ul>\n<p>Vi\u1ec7c duy tr\u00ec th\u00e1i \u0111\u1ed9 h\u1ee3p t\u00e1c v\u00e0 \u0111\u1ed1i tho\u1ea1i minh b\u1ea1ch v\u1edbi ch\u1ee7 n\u1ee3 l\u00e0 c\u01a1 s\u1edf quan tr\u1ecdng \u0111\u1ec3 ch\u1ee9ng minh s\u1ef1 thi\u1ec7n ch\u00ed, lo\u1ea1i b\u1ecf c\u00e1c nghi ng\u1edd v\u1ec1 \u00fd \u0111\u1ecbnh chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ca_nhan_mat_kha_nang_thanh_toan_co_duoc_tuyen_bo_pha_san_khong\"><\/span>C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00f3 \u0111\u01b0\u1ee3c tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec7n nay, Lu\u1eadt Ph\u00e1 s\u1ea3n 2014 t\u1ea1i Vi\u1ec7t Nam ch\u1ec9 \u00e1p d\u1ee5ng cho \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 doanh nghi\u1ec7p v\u00e0 h\u1ee3p t\u00e1c x\u00e3. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c:<\/p>\n<ul>\n<li>Ch\u01b0a c\u00f3 c\u01a1 ch\u1ebf cho ph\u00e9p c\u00e1 nh\u00e2n tuy\u00ean b\u1ed1 ph\u00e1 s\u1ea3n \u0111\u1ec3 \u0111\u01b0\u1ee3c mi\u1ec5n gi\u1ea3m ho\u00e0n to\u00e0n ngh\u0129a v\u1ee5 n\u1ee3 nh\u01b0 t\u1ea1i m\u1ed9t s\u1ed1 qu\u1ed1c gia kh\u00e1c.<\/li>\n<li>M\u1ecdi kho\u1ea3n n\u1ee3 v\u1eabn t\u1ed3n t\u1ea1i v\u00e0 g\u1eafn li\u1ec1n v\u1edbi tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c thanh to\u00e1n xong ho\u1eb7c c\u00f3 th\u1ecfa thu\u1eadn mi\u1ec5n gi\u1ea3m t\u1eeb ph\u00eda ch\u1ee7 n\u1ee3.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Giai_phap_xu_ly_khi_ca_nhan_mat_kha_nang_tra_no_ngan_hang\"><\/span>Gi\u1ea3i ph\u00e1p x\u1eed l\u00fd khi c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thay v\u00ec ch\u1ecdn c\u00e1ch im l\u1eb7ng, ng\u01b0\u1eddi n\u1ee3 n\u00ean ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc t\u00e1i c\u01a1 c\u1ea5u \u0111\u1ec3 ki\u1ec3m so\u00e1t t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh:<\/p>\n<ul>\n<li><strong>Th\u01b0\u01a1ng l\u01b0\u1ee3ng t\u00e1i c\u01a1 c\u1ea5u kho\u1ea3n vay:<\/strong> G\u1eedi v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb ng\u00e2n h\u00e0ng cho ph\u00e9p gi\u00e3n n\u1ee3, khoanh n\u1ee3 ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n tr\u1ea3 n\u1ee3 d\u1ef1a tr\u00ean minh ch\u1ee9ng v\u1ec1 kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf.<\/li>\n<li><strong>Xin mi\u1ec5n gi\u1ea3m l\u00e3i v\u00e0 ph\u00ed ph\u1ea1t:<\/strong> Nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f3 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 mi\u1ec5n m\u1ed9t ph\u1ea7n l\u00e3i qu\u00e1 h\u1ea1n cho nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 thi\u1ec7n ch\u00ed t\u1ea5t to\u00e1n s\u1edbm d\u01b0 n\u1ee3 g\u1ed1c.<\/li>\n<li><strong>Thanh l\u00fd t\u00e0i s\u1ea3n ch\u1ee7 \u0111\u1ed9ng:<\/strong> T\u1ef1 b\u00e1n t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng \u0111em l\u1ea1i gi\u00e1 tr\u1ecb cao h\u01a1n so v\u1edbi vi\u1ec7c \u0111\u1ec3 c\u01a1 quan ch\u1ee9c n\u0103ng k\u00ea bi\u00ean \u0111\u1ea5u gi\u00e1, gi\u00fap gi\u1ea3i quy\u1ebft n\u1ee3 nhanh ch\u00f3ng h\u01a1n.<\/li>\n<\/ul>\n<p>C\u00e1c chuy\u00ean gia t\u1ea1i <a title=\"null\" href=\"https:\/\/man.net.vn\/\" target=\"_blank\" rel=\"noopener\">MAN &#8211; Master Accountant Network<\/a> \u0111\u00e1nh gi\u00e1 r\u1eb1ng vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf v\u00e0 l\u1ed9 tr\u00ecnh tr\u1ea3 n\u1ee3 chi ti\u1ebft l\u00e0 ph\u01b0\u01a1ng \u00e1n h\u1eefu hi\u1ec7u nh\u1ea5t \u0111\u1ec3 ng\u01b0\u1eddi vay s\u1edbm ph\u1ee5c h\u1ed3i kh\u1ea3 n\u0103ng chi tr\u1ea3 v\u00e0 \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap_FAQ\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<section><summary><h3 ><span class=\"ez-toc-section\" id=\"No_bao_nhieu_tien_thi_bi_ngan_hang_khoi_kien_doi_no\"><\/span>N\u1ee3 bao nhi\u00eau ti\u1ec1n th\u00ec b\u1ecb ng\u00e2n h\u00e0ng kh\u1edfi ki\u1ec7n \u0111\u00f2i n\u1ee3?<span class=\"ez-toc-section-end\"><\/span><\/h3><\/summary><div><div class=\"saswp_faq_tiny_content\">Ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u1ed1i thi\u1ec3u. Tuy nhi\u00ean, v\u1edbi c\u00e1c kho\u1ea3n vay t\u1eeb 10 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean qu\u00e1 h\u1ea1n tr\u00ean 90 ng\u00e0y, ng\u00e2n h\u00e0ng th\u01b0\u1eddng chuy\u1ec3n h\u1ed3 s\u01a1 sang b\u1ed9 ph\u1eadn ph\u00e1p ch\u1ebf \u0111\u1ec3 chu\u1ea9n b\u1ecb th\u1ee7 t\u1ee5c kh\u1edfi ki\u1ec7n d\u00e2n s\u1ef1.<\/div><\/div><\/section><section><summary><h3 ><span class=\"ez-toc-section\" id=\"Mat_kha_nang_thanh_toan_co_bi_ke_bien_nha_dat_duy_nhat_khong\"><\/span>M\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00f3 b\u1ecb k\u00ea bi\u00ean nh\u00e0 \u0111\u1ea5t duy nh\u1ea5t kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3><\/summary><div><div class=\"saswp_faq_tiny_content\">N\u1ebfu nh\u00e0 \u0111\u1ea5t l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u k\u00ea bi\u00ean. Tr\u01b0\u1eddng h\u1ee3p n\u1ee3 kh\u00f4ng b\u1ea3o \u0111\u1ea3m, c\u01a1 quan thi h\u00e0nh \u00e1n s\u1ebd xem x\u00e9t \u0111i\u1ec1u ki\u1ec7n sinh ho\u1ea1t t\u1ed1i thi\u1ec3u c\u1ee7a ng\u01b0\u1eddi n\u1ee3 tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh k\u00ea bi\u00ean t\u00e0i s\u1ea3n n\u00e0y.<\/div><\/div><\/section><section><summary><h3 ><span class=\"ez-toc-section\" id=\"Bi_no_xau_nhom_3_4_5_co_the_vay_von_lai_duoc_khong\"><\/span>B\u1ecb n\u1ee3 x\u1ea5u nh\u00f3m 3, 4, 5 c\u00f3 th\u1ec3 vay v\u1ed1n l\u1ea1i \u0111\u01b0\u1ee3c kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3><\/summary><div><div class=\"saswp_faq_tiny_content\">H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng ch\u00ednh th\u1ed1ng s\u1ebd t\u1eeb ch\u1ed1i c\u1ea5p t\u00edn d\u1ee5ng m\u1edbi. B\u1ea1n c\u1ea7n t\u1ea5t to\u00e1n to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 v\u00e0 ch\u1edd t\u1eeb 3-5 n\u0103m \u0111\u1ec3 h\u1ec7 th\u1ed1ng CIC c\u1eadp nh\u1eadt l\u1ea1i tr\u1ea1ng th\u00e1i t\u00edn d\u1ee5ng b\u00ecnh th\u01b0\u1eddng.<\/div><\/div><\/section>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>Conclude<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00ecnh tr\u1ea1ng <strong>c\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n<\/strong> kh\u00f4ng ph\u1ea3i l\u00e0 d\u1ea5u ch\u1ea5m h\u1ebft n\u1ebfu ng\u01b0\u1eddi vay ch\u1ecdn c\u00e1ch \u0111\u1ed1i m\u1eb7t minh b\u1ea1ch v\u00e0 \u0111\u00fang lu\u1eadt. Vi\u1ec7c n\u1eafm v\u1eefng c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh, ch\u1ee7 \u0111\u1ed9ng ph\u1ed1i h\u1ee3p v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u00e1i c\u01a1 c\u1ea5u kho\u1ea3n vay l\u00e0 ph\u01b0\u01a1ng \u00e1n an to\u00e0n nh\u1ea5t \u0111\u1ec3 v\u01b0\u1ee3t qua kh\u1ee7ng ho\u1ea3ng n\u1ee3 n\u1ea7n. S\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb t\u01b0 v\u1ea5n uy t\u00edn nh\u01b0 <a title=\"null\" href=\"https:\/\/phasangiaithe.man.net.vn\/en\/\">MAN &#8211; Master Accountant Network<\/a> s\u1ebd gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn \u0111a chi\u1ec1u v\u00e0 t\u00ecm ra gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng.<\/p>\n<p><b>Contact information for MAN \u2013 Master Accountant Network<\/b><\/p>\n<ul>\n<li aria-level=\"1\">Address: 19A, 43rd Street, Tan Thuan Ward, Ho Chi Minh City<\/li>\n<li aria-level=\"1\">Mobile\/Zalo: 0903 963 163 \u2013 0903 428 622<\/li>\n<li aria-level=\"1\">Email: man@man.net.vn<\/li>\n<\/ul>\n<p>Content production is overseen by: Mr.\u00a0<a href=\"https:\/\/man.net.vn\/le-hoang-tuyen\/\" target=\"_blank\" rel=\"noopener\">L\u00ea Ho\u00e0ng Tuy\u00ean \u2013 S\u00e1ng l\u1eadp vi\u00ean (Founder) &amp; CEO MAN \u2013 Master Accountant Network<\/a>, Ki\u1ec3m to\u00e1n vi\u00ean CPA Vi\u1ec7t Nam v\u1edbi h\u01a1n 30 n\u0103m kinh nghi\u1ec7m trong ng\u00e0nh K\u1ebf to\u00e1n, Ki\u1ec3m to\u00e1n v\u00e0 T\u01b0 v\u1ea5n T\u00e0i ch\u00ednh.<\/p>","protected":false},"excerpt":{"rendered":"<p>C\u00e1 nh\u00e2n m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n l\u00e0 tr\u1ea1ng th\u00e1i ng\u01b0\u1eddi vay g\u1eb7p kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh, d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay \u0111\u00e3 \u0111\u1ebfn k\u1ef3 thanh to\u00e1n. Theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 2015, vi\u1ec7c th\u1ea5u hi\u1ec3u c\u00e1c ch\u1ebf t\u00e0i [&hellip;]<\/p>","protected":false},"author":4,"featured_media":6396,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,20],"tags":[],"class_list":["post-6394","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-tin-tuc-cap-nhat"],"acf":[],"_links":{"self":[{"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/posts\/6394","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/comments?post=6394"}],"version-history":[{"count":1,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/posts\/6394\/revisions"}],"predecessor-version":[{"id":6398,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/posts\/6394\/revisions\/6398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/media\/6396"}],"wp:attachment":[{"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/media?parent=6394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/categories?post=6394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phasangiaithe.man.net.vn\/en\/wp-json\/wp\/v2\/tags?post=6394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}