Cc loi ph khi thanh ton bng th tn dng Ti mun bit cc loi ph ph bin t ngn hng v i l hoc ca hng quy

nh khi thanh ton bng th tn dng? (Thu Trang).

Tr li: C nhiu loi ph ph bin khi bn thanh ton bng th tn dng: Th nht, ph thng nin: mi nm tr loi ph ny mt ln, tu theo ngn hng mc ph ny khong 200 nghn n 500 nghn ng. Chnh v vy mi thng bn ch mt vi chc nghn ng cho mt chic th c nhiu tin ch. Th hai, ph rt tin mt: bn c th rt tin mt ti 70% hn mc tn dng c cp. V th tn dng c ngn hng cp nhm khuyn khch bn thanh ton khng dng tin mt, nn ch khi no tht cn bn mi nn s dng "b kp" ny ca th tn dng. Nu khng bn s phi chu mc ph 2-4% s tin c rt, tu theo thi im th trng v quy nh ca tng ngn hng. Th ba, ph chm thanh ton: bn phi tr ph chm thanh ton khi khng thanh ton, hoc thanh ton t hn gi tr thanh ton ti thiu (thng thng 5% ca d n cui k). Khon ph ny thng thng bng 3-4% s tin thanh ton ti thiu.

V d: tng chi tiu bng th tn dng l 50 triu ng. Gi tr thanh ton ti thiu cn phi tr khi n k thanh ton = 5% x 50 triu ng = 2,5 triu ng. Ph chm thanh ton = 4% x 2,5 triu ng = 100 nghn ng.

Th t, ph vt hn mc tn dng: nu bn mun s dng qu hn mc c ngn hng cp cng chng c vn g. Ngn hng cho php bn "qut l" mc cho php vi iu kin bn s ng khon ph vt hn mc tn dng trn phn tin vt. Tu theo mi ngn hng quy nh, mc ph ny c th c quy nh mt mc c th, hay c tnh phn trm trn s tin vt hn mc tn dng.

Th nm, ph chuyn i ngoi t: bn s dng th thanh ton cho cc giao dch bng ngoi t ti nc ngoi. S ngoi t ny s c chuyn i v th hin bng tin VND trn bng sao k v bn phi tr thm ph chuyn i ngoi t. Mc ph ny c th l 2% hay 3% trn s tin ca mi giao dch.

Th su, li sut s khng c p dng nu nh bn khng thanh ton ton b d n cui k khi n hn thanh ton v dng th tn dng rt tin mt. Li sut ny s iu chnh tu theo thi im th trng v theo quy nh ca tng ngn hng. Giao dch thanh ton bng th tn dng s c tnh li sau 30-45 ngy tu theo quy nh mi ngn hng. Cn mi khon tin mt c rt s b tnh li sut t ngy tin mt c ng cho n khi tt c khon n tin mt c thanh ton ht.

Bn nh lu l c mt s ca hng tnh thm ph ph 1-3% trn gi hng ho dch v, khi bn yu cu thanh ton bng th tn dng hay th thanh ton. Thc t, bn khng phi chu mt khon ph thm no khi s dng th thanh ton, v y l hnh thc khuyn khch vic thanh ton khng dng tin mt. Vic thu ph ngi s dng th l vi phm hp ng chp nhn thanh ton th gia ngn hng v n v chp nhn thanh ton th. Nu gp trng hp nh th, bn c th gi in thoi cho ngn hng pht hnh th, thng bo hnh vi sai tri ca ca hng vi bng chng l ho n v bng k mua hng.

c gi quan tm, gi cu hi v thuongmai@vnexpress.net.

Dng th tn dng rt tin mt vi ph bng 50% mc li sut thc t phi tr Nhn vin bn th tn dng t vn cho khch hng cch rt c tin mt n 99% hn mc ca th tn dng vi chi ph l 3%. Facebook Twitter 0 bnh chn Vit bnh lun Lu bi ny Theo bo Si Gn tip th, anh Hong, nhn vin vn phng qun 1 c mt nhn vin bn th tn dng ngn hng cho bit, nu khch hng dng th tn dng rt tin mt ti my ATM, ngn hng s p ph pht l 4%, li sut th tn dng l 2% trong 30 ngy tc khong 3% trong 45 ngy.

Nh vy khi rt tin mt, sau 45 ngy khch hng s thc s chu mc li sut ln ti 7%. Tuy nhin, nhn vin bn th tn dng ny t vn cho anh Hong cch rt c 99% hn mc ca th tn dng bng tin mt m khng b ngn hng tnh li.

Theo , anh c t vn in thng tin vo mt giao dch thanh ton tin vi ni dung tr tin t vn ti chnh di dng l quyn gp to ra mt giao dch c

th. Thng tin ca ngi nhn l nhn vin ang t vn. Mc ph m pha cho vay thu ca anh Hong vo khong 3%.

Sau , anh Hong c chnh nhn vin trn chuyn li tin vo ti khon sau khi tr ph 3%. Bng cch ny, anh Hong c th rt c 99% hn mc th ca mnh s dng m khng chu thm mt khon li sut no t pha ngn hng m th.

Nhn vin t vn cn khuyn anh Hong l nn thc hin giao dch vo nhng ngy u thng c th hng trn khong thi gian 45 ngy m ngn hng cho php. Bn cnh , c th tn dng ti a khong thi gian min li ny bng cch m hai th hai ngn hng.

Nh vy, vi dch v ny, khch hng c th vay c mt khon tin t ngn hng trong thi gian ngn vi li sut thp trong khi khng iu kin vay tn chp.