{"id":19312,"date":"2021-06-02T14:54:48","date_gmt":"2021-06-02T07:54:48","guid":{"rendered":"http:\/\/helpsme.misa.local\/2022\/?post_type=ht_kb&#038;p=19312"},"modified":"2025-11-07T14:02:14","modified_gmt":"2025-11-07T07:02:14","slug":"cap-nhat-tinh-hinh-thuc-hien-hop-dong-tin-dung-khe-uoc-vay-giai-ngan-tra-no-tat-toan","status":"publish","type":"ht_kb","link":"https:\/\/helpsme.misa.vn\/2026\/kb\/cap-nhat-tinh-hinh-thuc-hien-hop-dong-tin-dung-khe-uoc-vay-giai-ngan-tra-no-tat-toan\/","title":{"rendered":"C\u1eadp nh\u1eadt t\u00ecnh h\u00ecnh gi\u1ea3i ng\u00e2n, tr\u1ea3 n\u1ee3, t\u1ea5t to\u00e1n, thay \u0111\u1ed5i l\u00e3i su\u1ea5t&#8230;"},"content":{"rendered":"<div class=\"su-accordion su-u-trim\">\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><b>1. T\u1ed5ng quan<\/b><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<b>M\u1ee5c \u0111\u00edch:<\/b> H\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 li\u00ean quan \u0111\u1ebfn H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\/Kh\u1ebf \u01b0\u1edbc vay nh\u01b0 gi\u1ea3i ng\u00e2n, tr\u1ea3 n\u1ee3, t\u1ea5t to\u00e1n, thay \u0111\u1ed5i l\u00e3i su\u1ea5t.<br \/>\n<b>N\u1ed9i dung:<\/b><\/p>\n<ul>\n<li>Nh\u1eadn gi\u1ea3i ng\u00e2n<\/li>\n<li>Tr\u1ea3 n\u1ee3<\/li>\n<li>Tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n<\/li>\n<li>T\u1ea5t to\u00e1n kho\u1ea3n vay<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t<\/li>\n<li>L\u01b0u \u00fd khi th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5<\/li>\n<\/ul>\n<p><b>Ph\u1ea1m vi \u00e1p d\u1ee5ng:<\/b> K\u1ebf to\u00e1n, th\u1ee7 qu\u1ef9, c\u00e1n b\u1ed9 qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng<\/p>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><strong>2.C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n<\/strong><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\"><\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h4><strong>2.1 Nh\u1eadn gi\u1ea3i ng\u00e2n<\/strong><\/h4>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 1.<\/strong> V\u00e0o ph\u00e2n h\u1ec7 <strong>Kh\u1ebf \u01b0\u1edbc vay<\/strong>, nh\u1ea5n\u00a0<strong>Tr\u1ea3 n\u1ee3 \/<\/strong>T\u00edch chu\u1ed9t ph\u1ea3i v\u00e0o <strong>kh\u1ebf \u01b0\u1edbc<\/strong> c\u1ea7n <strong>nh\u00e2n gi\u1ea3i ng\u00e2n<\/strong>\/ Ch\u1ecdn <strong>Nh\u1eadn gi\u1ea3i ng\u00e2n<\/strong><\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19597\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_21-700x296.png\" alt=\"\" width=\"700\" height=\"296\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-700x296.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-800x338.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-768x324.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-50x21.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-60x25.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21-100x42.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_21.png 961w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"text-align: justify; padding-left: 40px;\"><strong>B\u01b0\u1edbc 2.<\/strong> Ch\u01b0\u01a1ng tr\u00ecnh t\u1ef1 \u0111\u1ed9ng l\u1eadp <strong>Phi\u1ebfu thu\/Phi\u1ebfu thu ti\u1ec1n g\u1eedi\/\u1ee6y nhi\u1ec7m chi\/Ch\u1ee9ng t\u1eeb NVK<\/strong> <em>(theo <strong>H\u00ecnh th\u1ee9c gi\u1ea3i ng\u00e2n <\/strong>\u0111\u00e3 ch\u1ecdn khi <a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">khai b\u00e1o kh\u1ebf \u01b0\u1edbc vay) <\/a><\/em>\u0111\u1ec3 h\u1ea1ch to\u00e1n nghi\u1ec7p v\u1ee5 nh\u1eadn gi\u1ea3i ng\u00e2n<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19598\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_22-700x262.png\" alt=\"\" width=\"700\" height=\"262\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-700x262.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-800x300.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-768x288.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-50x19.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-60x22.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22-100x37.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_22.png 916w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 3.<\/strong> Ch\u1ec9nh s\u1eeda l\u1ea1i ch\u1ee9ng t\u1eeb theo nhu c\u1ea7u (n\u1ebfu c\u1ea7n). Nh\u1ea5n <strong>C\u1ea5t<\/strong>.<\/p>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h4><strong>2.2 Tr\u1ea3 n\u1ee3<\/strong><\/h4>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p><strong>C\u00e1ch 1:\u00a0<\/strong><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 1<\/strong>. Tr\u00ean <strong>B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3\u00a0<\/strong>c\u1ee7a Kh\u1ebf \u01b0\u1edbc vay, ch\u1ecdn k\u1ef3 mu\u1ed1n tr\u1ea3 n\u1ee3 v\u00e0 nh\u1ea5n <strong>Tr\u1ea3 n\u1ee3<\/strong>.<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 2.<\/strong> Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng l\u1eadp <strong>Phi\u1ebfu chi\/Ch\u1ee9ng t\u1eeb chi ti\u1ec1n g\u1eedi <em>(<\/em><\/strong><em>theo <strong>Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 n\u1ee3<\/strong>\u00a0\u0111\u00e3 ch\u1ecdn khi <a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">khai b\u00e1o kh\u1ebf \u01b0\u1edbc vay) <\/a><\/em>\u0111\u1ec3 tr\u1ea3 cho \u0111\u1ed1i t\u01b0\u1ee3ng cho vay<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 3.<\/strong> Ch\u1ec9nh s\u1eeda l\u1ea1i ch\u1ee9ng t\u1eeb theo nhu c\u1ea7u (n\u1ebfu c\u1ea7n). Nh\u1ea5n <strong>C\u1ea5t<\/strong><\/p>\n<p style=\"padding-left: 80px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19600\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_23-700x583.png\" alt=\"\" width=\"700\" height=\"583\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-700x583.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-800x666.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-768x639.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-50x42.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-60x50.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23-100x83.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_23.png 1069w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p><strong>C\u00e1ch 2:\u00a0<\/strong><\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 1.<\/strong> V\u00e0o ph\u00e2n h\u1ec7 <strong>Kh\u1ebf \u01b0\u1edbc vay<\/strong>, T\u00edch chu\u1ed9t ph\u1ea3i v\u00e0o <strong>kh\u1ebf \u01b0\u1edbc<\/strong> c\u1ea7n <b>tr\u1ea3 n\u1ee3\/<\/b>\u00a0nh\u1ea5n <strong>Tr\u1ea3 n\u1ee3<\/strong>.<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 2.<\/strong> Ch\u1ecdn <strong>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n <\/strong>v\u00e0 thi\u1ebft l\u1eadp \u0111i\u1ec1u ki\u1ec7n t\u00ecm ki\u1ebfm k\u1ef3 tr\u1ea3 n\u1ee3.<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 3.<\/strong> T\u00edch ch\u1ecdn k\u1ef3 mu\u1ed1n tr\u1ea3 n\u1ee3 v\u00e0 nh\u1ea5n <strong>Tr\u1ea3 n\u1ee3<\/strong><strong>. <\/strong><em>(c\u00f3 th\u1ec3 s\u1eeda l\u1ea1i s\u1ed1 ti\u1ec1n <strong>Tr\u1ea3 l\u00e3i<\/strong>, <strong>Tr\u1ea3 g\u1ed1c<\/strong> n\u1ebfu c\u1ea7n)<\/em><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 4.<\/strong> Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng l\u1eadp <strong>Phi\u1ebfu chi\/Ch\u1ee9ng t\u1eeb chi ti\u1ec1n g\u1eedi <em>(<\/em><\/strong><em>theo <strong>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n <\/strong>\u0111\u00e3 ch\u1ecdn<a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">) <\/a><\/em>\u0111\u1ec3 tr\u1ea3 cho \u0111\u1ed1i t\u01b0\u1ee3ng cho vay<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 5.<\/strong> Ch\u1ec9nh s\u1eeda l\u1ea1i ch\u1ee9ng t\u1eeb theo nhu c\u1ea7u (n\u1ebfu c\u1ea7n). Nh\u1ea5n <strong>C\u1ea5t<\/strong><\/p>\n<p style=\"padding-left: 120px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19602\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_24-700x797.png\" alt=\"\" width=\"700\" height=\"797\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-700x797.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-800x910.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-768x874.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-44x50.png 44w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-53x60.png 53w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24-88x100.png 88w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_24.png 1030w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h4><strong>2.3 Tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n<\/strong><\/h4>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p style=\"text-align: justify;\">V\u1edbi c\u00e1c kho\u1ea3n vay c\u00f3 th\u1ecfa thu\u1eadn tr\u1ea3 n\u1ee3 g\u1ed1c khi \u0111\u00e1o h\u1ea1n, nh\u01b0ng Doanh nghi\u1ec7p mu\u1ed1n tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n m\u1ed9t ph\u1ea7n th\u00ec th\u1ef1c hi\u1ec7n nh\u01b0 sau:<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 1.<\/strong> V\u00e0o ph\u00e2n h\u1ec7 <strong>Kh\u1ebf \u01b0\u1edbc vay<\/strong>, T\u00edch chu\u1ed9t ph\u1ea3i v\u00e0o <strong>kh\u1ebf \u01b0\u1edbc<\/strong> c\u1ea7n <b>tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n\/<\/b>\u00a0nh\u1ea5n <strong>Tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n<\/strong>.<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 2.<\/strong> Khai b\u00e1o th\u00f4ng tin tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n <em>(Tr\u1ea3 g\u1ed1c; Ti\u1ec1n l\u00e3i; Ph\u00ed kh\u00e1c)<\/em>, nh\u1ea5n <strong>\u0110\u1ed3ng \u00fd<\/strong>.<\/p>\n<p style=\"padding-left: 120px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19604\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_25-700x538.png\" alt=\"\" width=\"700\" height=\"538\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-700x538.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-800x615.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-768x590.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-50x38.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-60x46.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25-100x77.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_25.png 1036w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 3.<\/strong> Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng l\u1eadp <strong>Phi\u1ebfu chi\/\u1ee6y nhi\u1ec7m chi <\/strong><em>(<\/em><em>theo <strong>H\u00ecnh th\u1ee9c thanh to\u00e1n <\/strong>\u0111\u00e3 ch\u1ecdn<a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">) <\/a><\/em>\u0111\u1ec3 tr\u1ea3 cho \u0111\u1ed1i t\u01b0\u1ee3ng cho vay<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 4.<\/strong> Sau khi <strong>C\u1ea5t\u00a0<\/strong>ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3, c\u1ea7n th\u1ef1c hi\u1ec7n <strong>T\u00ednh l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3<\/strong><\/p>\n<p style=\"padding-left: 120px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19606\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-700x904.png\" alt=\"\" width=\"700\" height=\"904\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-700x904.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-793x1024.png 793w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-768x992.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-39x50.png 39w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-46x60.png 46w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1-77x100.png 77w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_26-1.png 918w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"text-align: justify;\"><em><strong>L\u01b0u \u00fd<\/strong>: Ch\u1ec9 \u0111\u00e1p \u1ee9ng tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n v\u1edbi kh\u1ebf \u01b0\u1edbc vay thi\u1ebft l\u1eadp <strong>Tr\u1ea3 g\u1ed1c\u00a0<\/strong><strong>Khi \u0111\u00e1o h\u1ea1n. <\/strong>Thi\u1ebft l\u1eadp nh\u01b0 sau<\/em><\/p>\n<ul>\n<li>Tr\u00ean b\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3 nh\u01b0 b\u01b0\u1edbc 4, d\u00f2ng Tr\u1ea3 g\u1ed1c x\u1ed5 ch\u1ecdn <strong>Khi \u0111\u00e1o h\u1ea1n<\/strong>, ch\u1ecdn t\u00ednh l\u1ea1i l\u1ecbch v\u00e0 nh\u1ea5n c\u1ea5t<\/li>\n<\/ul>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h4><strong>2.4 T\u1ea5t to\u00e1n kho\u1ea3n vay<\/strong><\/h4>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p style=\"text-align: justify;\">Khi \u0111\u1ebfn h\u1ea1n t\u1ea5t to\u00e1n ho\u1eb7c mu\u1ed1n tr\u1ea3 h\u1ebft g\u1ed1c v\u00e0 l\u00e3i c\u1ee7a kho\u1ea3n vay tr\u01b0\u1edbc h\u1ea1n. Doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n kho\u1ea3n vay nh\u01b0 sau:<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 1.<\/strong> V\u00e0o ph\u00e2n h\u1ec7 <strong>Kh\u1ebf \u01b0\u1edbc vay<\/strong>, T\u00edch chu\u1ed9t ph\u1ea3i v\u00e0o <strong>kh\u1ebf \u01b0\u1edbc<\/strong> c\u1ea7n <b>t\u1ea5t to\u00e1n\/<\/b> nh\u1ea5n <strong>T\u1ea5t to\u00e1n.<\/strong><\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 2.<\/strong> Khai b\u00e1o th\u00f4ng tin t\u1ea5t to\u00e1n kho\u1ea3n vay <em>(N\u1ee3 g\u1ed1c\/Ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3, Ph\u00ed kh\u00e1c (n\u1ebfu c\u00f3)).<\/em> nh\u1ea5n <strong>\u0110\u1ed3ng \u00fd<\/strong>.<\/p>\n<p style=\"padding-left: 80px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19607\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_27-700x547.png\" alt=\"\" width=\"700\" height=\"547\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-700x547.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-800x625.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-768x600.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-50x39.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-60x47.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27-100x78.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_27.png 1070w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 3.<\/strong> Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng l\u1eadp <strong>Phi\u1ebfu chi\/\u1ee6y nhi\u1ec7m chi <\/strong><em>(<\/em><em>theo <strong>H\u00ecnh th\u1ee9c thanh to\u00e1n <\/strong>\u0111\u00e3 ch\u1ecdn<a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">) <\/a><\/em>\u0111\u1ec3 tr\u1ea3 cho \u0111\u1ed1i t\u01b0\u1ee3ng cho vay<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 4.<\/strong> Sau khi\u00a0<strong>C\u1ea5t\u00a0<\/strong>ch\u1ee9ng t\u1eeb t\u1ea5t to\u00e1n, ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt tr\u1ea1ng th\u00e1i kh\u1ebf \u01b0\u1edbc vay sang <strong>\u0110\u00e3 t\u1ea5t to\u00e1n<\/strong> v\u00e0 kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c ch\u1ee9c n\u0103ng li\u00ean quan nh\u01b0: <em><span style=\"color: #1e1e1e;\">nh\u1eadn ti\u1ec1n vay, tr\u1ea3 n\u1ee3, tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n, \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t, t\u1ea5t to\u00e1n&#8230;<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><em><strong>L\u01b0u \u00fd<\/strong>: <\/em><em>N\u1ebfu t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n th\u00ec c\u1ea7n t\u00ednh l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3 \u0111\u1ec3 ch\u01b0\u01a1ng tr\u00ecnh x\u00f3a ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 c\u1ee7a c\u00e1c k\u1ef3 sau.<\/em><\/p>\n<p style=\"padding-left: 80px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19608\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_28-700x930.png\" alt=\"\" width=\"700\" height=\"930\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-700x930.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-771x1024.png 771w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-300x400.png 300w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-768x1020.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-38x50.png 38w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-45x60.png 45w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28-75x100.png 75w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_28.png 922w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h4><strong>2.5 \u0110i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t<\/strong><\/h4>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p>Khi c\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t, c\u00f3 th\u1ec3 c\u1eadp nh\u1eadt th\u00eam l\u00e3i su\u1ea5t m\u1edbi nh\u01b0 sau:<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 1.<\/strong> V\u00e0o ph\u00e2n h\u1ec7 <strong>Kh\u1ebf \u01b0\u1edbc vay<\/strong>, T\u00edch chu\u1ed9t ph\u1ea3i v\u00e0o <strong>kh\u1ebf \u01b0\u1edbc<\/strong> c\u1ea7n <strong>\u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t<\/strong><b>\/<\/b> nh\u1ea5n <strong>\u0110i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t<\/strong>.<\/p>\n<p style=\"padding-left: 40px;\"><strong>B\u01b0\u1edbc 2.<\/strong> C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t m\u1edbi<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19610\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_29-700x610.png\" alt=\"\" width=\"700\" height=\"610\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-700x610.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-800x697.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-768x670.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-50x44.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-60x52.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29-100x87.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_29.png 1030w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\"><strong>B\u01b0\u1edbc 3.<\/strong> T\u00ednh l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3 =&gt; =&gt; Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u00ednh to\u00e1n l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c k\u1ef3 ch\u01b0a tr\u1ea3 n\u1ee3.<\/p>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-19611\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_30.png\" alt=\"\" width=\"700\" height=\"757\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_30.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_30-46x50.png 46w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_30-55x60.png 55w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_30-92x100.png 92w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><strong>3.L\u01b0u \u00fd<\/strong><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<ul style=\"list-style-type: circle;\">\n<li style=\"text-align: justify;\">Sau khi tr\u1ea3 h\u1ebft n\u1ee3, Kh\u1ebf \u01b0\u1edbc vay s\u1ebd t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n tr\u1ea1ng th\u00e1i sang <strong>\u0110\u00e3 t\u1ea5t to\u00e1n <\/strong>v\u00e0 s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c c\u00e1c ch\u1ee9c n\u0103ng li\u00ean quan =&gt; N\u1ebfu mu\u1ed1n ch\u1ec9nh s\u1eeda th\u00f4ng tin, c\u1ea7n chuy\u1ec3n tr\u1ea1ng th\u00e1i Kh\u1ebf \u01b0\u1edbc vay sang <strong>\u0110ang th\u1ef1c hi\u1ec7n<\/strong>.<\/li>\n<li style=\"text-align: justify;\">Sau khi thanh l\u00fd H\u0110TD, K\u1ebf to\u00e1n c\u1ea7n chuy\u1ec3n tr\u1ea1ng th\u00e1i H\u1ee3p \u0111\u1ed3ng sang <strong>\u0110\u00e3 thanh l\u00fd<\/strong> \u0111\u1ec3 qu\u1ea3n l\u00fd.<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-19612\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_31-700x307.png\" alt=\"\" width=\"700\" height=\"307\" srcset=\"\/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-700x307.png 700w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-800x351.png 800w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-768x337.png 768w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-50x22.png 50w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-60x26.png 60w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31-100x44.png 100w, \/2026\/wp-content\/uploads\/2021\/06\/kheuocvay_31.png 955w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\u00a0Khi h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\/kh\u1ebf \u01b0\u1edbc vay c\u00f3 th\u00f4ng tin <strong>\u0110\u1ebfn ng\u00e0y<\/strong>\/<strong>Ng\u00e0y \u0111\u00e1o h\u1ea1n<\/strong> &lt; Ng\u00e0y hi\u1ec7n t\u1ea1i, ch\u01b0\u01a1ng tr\u00ecnh t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n <strong>S\u1ed1 c\u00f2n \u0111\u01b0\u1ee3c vay = 0<\/strong><\/li>\n<li>Xem to\u00e0n b\u1ed9 lu\u1ed3ng nghi\u1ec7p v\u1ee5 qu\u1ea3n l\u00fd H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\/Kh\u1ebf \u01b0\u1edbc vay <a href=\"\/2026\/kb\/quan-ly-hop-dong-tin-dung-khe-uoc-vay\/\"><strong>t\u1ea1i \u0111\u00e2y<\/strong><\/a><\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":120,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"_links_to":"","_links_to_target":"","footnotes":""},"ht-kb-category":[3343],"ht-kb-tag":[],"class_list":["post-19312","ht_kb","type-ht_kb","status-publish","format-standard","hentry","ht_kb_category-khe-uoc-vay"],"_links":{"self":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb"}],"about":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/types\/ht_kb"}],"author":[{"embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/comments?post=19312"}],"version-history":[{"count":7,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19312\/revisions"}],"predecessor-version":[{"id":55507,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19312\/revisions\/55507"}],"wp:attachment":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/media?parent=19312"}],"wp:term":[{"taxonomy":"ht_kb_category","embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb-category?post=19312"},{"taxonomy":"ht_kb_tag","embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb-tag?post=19312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}