{"id":61880,"date":"2022-10-02T09:59:05","date_gmt":"2022-10-02T02:59:05","guid":{"rendered":"https:\/\/www.nhatot.com\/kinh-nghiem\/?p=61880"},"modified":"2024-02-06T12:00:48","modified_gmt":"2024-02-06T05:00:48","slug":"huong-dan-vay-mua-nha-ngan-hang-hsbc","status":"publish","type":"post","link":"https:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html","title":{"rendered":"Vay mua nh\u00e0 HSBC v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i cao nh\u1ea5t n\u0103m 2022"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee5c l\u1ee5c<\/p>\n<\/div><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:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html\/#Bao_hiem_chay_no_chung_cu\" >B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html\/#Bao_hiem_chay_no_bat_buoc_o_chung_cu\" >B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u1edf chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html\/#Phi_bao_hiem_chay_no_chung_cu\" >Ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html\/#Luat_xu_phat_chay_no_chung_cu\" >Lu\u1eadt x\u1eed ph\u1ea1t ch\u00e1y n\u1ed5 chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nhatot.com\/kinh-nghiem\/huong-dan-vay-mua-nha-ngan-hang-hsbc.html\/#Cung_Nha_Tot_kham_pha_bao_hiem_chay_no_khi_o_chung_cu\" >C\u00f9ng Nh\u00e0 T\u1ed1t kh\u00e1m ph\u00e1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 khi \u1edf chung c\u01b0<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 <\/strong>\u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi d\u00e2n \u1edf chung c\u01b0 khi x\u1ea3y ra ch\u00e1y n\u1ed5. Do k\u1ebft c\u1ea5u x\u00e2y d\u1ef1ng c\u1ee7a chung c\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c tho\u00e1ng m\u00e1t nh\u01b0 nh\u00e0 \u0111\u1ea5t li\u1ec1n,khi x\u1ea3y ra ch\u00e1y n\u1ed5, nh\u1eefng thi\u1ec7t h\u1ea1i d\u00e2n c\u01b0 ph\u1ea3i ch\u1ecbu l\u00e0 r\u1ea5t l\u1edbn. Th\u1ea5y \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3 nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh nh\u1eefng \u0111i\u1ec1u l\u1ec7, nh\u1eefng quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 \u0111\u1ed1i v\u1edbi chung c\u01b0. M\u1ee9c gi\u00e1 \u0111\u01b0a ra ho\u00e0n to\u00e0n ph\u00f9 h\u1ee3p v\u1edbi thu nh\u1eadp v\u00e0 m\u1ee9c ti\u00eau d\u00f9ng chung c\u1ee7a d\u00e2n c\u01b0.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y theo d\u00f5i v\u00e0 t\u00ecm hi\u1ec3u c\u00f9ng Nh\u00e0 T\u1ed1t \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 khi \u1edf chung c\u01b0 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng? \u0110\u1ec3 mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 c\u1ea7n l\u00e0m g\u00ec? \u0110\u00e2y \u0111\u1ec1u l\u00e0 nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft gi\u00fap \u00edch r\u1ea5t nhi\u1ec1u cho d\u00e2n c\u01b0. Do \u0111\u00f3 h\u00e3y n\u1eafm r\u00f5 v\u00e0 \u0111\u01b0a ra cho m\u00ecnh k\u1ebf ho\u1ea1ch mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 an to\u00e0n nh\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bao_hiem_chay_no_chung_cu\"><\/span><strong>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi d\u00e2n sinh s\u1ed1ng t\u1ea1i nh\u00e0 chung c\u01b0, tr\u00e1nh nh\u1eefng t\u1ed5n th\u1ea5t v\u00e0 h\u01b0 h\u1ecfng \u0111\u1ed3 \u0111\u1ea1c khi x\u1ea3y ra ch\u00e1y n\u1ed5. Khi mua<strong> <\/strong>b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 ng\u01b0\u1eddi mua \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o t\u1ed5n th\u1ea5t x\u1ea3y ra trong t\u01b0\u01a1ng lai khi c\u00f3 ch\u00e1y n\u1ed5 x\u1ea3y ra. Do \u0111\u00f3 \u0111\u00e2y \u0111\u01b0\u1ee3c cho l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u00e1ng mua c\u1ee7a nh\u00e0 chung c\u01b0.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 c\u1ee7a nh\u00e0 chung c\u01b0 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng? Ng\u01b0\u1eddi mua c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ea3o qu\u1ea3n t\u00e0i s\u1ea3n. B\u1edfi \u0111i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u m\u1ea5t m\u00e1t v\u1ec1 t\u00e0i s\u1ea3n, c\u1ea5u tr\u00fac chung c\u01b0 c\u1ee7a ng\u01b0\u1eddi d\u00e2n sinh s\u1ed1ng t\u1ea1i \u0111\u00e2y. V\u00ec th\u1ebf b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 b\u1ea3o to\u00e0n gi\u00fap ng\u01b0\u1eddi d\u00e2n ph\u1ea7n t\u00e0i s\u1ea3n v\u1ed1n c\u00f3 c\u1ee7a m\u00ecnh sau thi\u1ec7t h\u1ea1i. Th\u1eed t\u01b0\u1edfng t\u01b0\u1ee3ng n\u1ebfu nh\u01b0 b\u1ea1n mua chung c\u01b0 nh\u01b0ng khi s\u1ef1 c\u1ed1 x\u1ea3y ra c\u00e1c t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n b\u1ecb m\u1ea5t h\u1ebft. Ai s\u1ebd l\u00e0 ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc nh\u1eefng thi\u1ec7t h\u1ea1i m\u00e0 b\u1ea1n g\u1eb7p ph\u1ea3i?<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/dc31a25c-009eb41839f6fea8a7e7.jpg\" alt=\"B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 c\u00f9ng Nh\u00e0 T\u1ed1t\" class=\"wp-image-61881\" srcset=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/dc31a25c-009eb41839f6fea8a7e7.jpg 800w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/dc31a25c-009eb41839f6fea8a7e7-500x375.jpg 500w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/dc31a25c-009eb41839f6fea8a7e7-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\"><em>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 c\u00f9ng Nh\u00e0 T\u1ed1t<\/em><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bao_hiem_chay_no_bat_buoc_o_chung_cu\"><\/span><strong>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u1edf chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0, nhi\u1ec1u d\u00e2n c\u01b0 th\u1eafc m\u1eafc r\u1eb1ng khi sinh s\u1ed1ng t\u1ea1i chung c\u01b0 th\u00ec <strong>b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng<\/strong>? \u0110\u1ec3 tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi n\u00e0y <a href=\"https:\/\/www.nhatot.com\/\">Nh\u00e0 T\u1ed1t<\/a> xem Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc, ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u01b0 sau:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Theo Kho\u1ea3n 1 \u0110i\u1ec1u 3 Ngh\u1ecb \u0111\u1ecbnh 23\/2018\/ N\u0110-CP th\u00ec tham gia b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 l\u00e0 b\u1eaft bu\u1ed9c. Song song \u0111\u00f3 Kho\u1ea3n 1 \u0110i\u1ec1u 2 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y th\u00ec c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c tham gia b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 l\u00e0: C\u01a1 quan, t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n<\/li>\n\n\n\n<li>C\u0169ng theo \u0110i\u1ec1u 4 t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 23\/2018\/ N\u0110-CP nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 g\u1ed3m: Nh\u00e0, c\u00f4ng tr\u00ecnh, m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb \u0111i theo v\u00e0 c\u00e1i lo\u1ea1i h\u00e0ng h\u00f3a, v\u1eadt t\u01b0 (&nbsp; g\u1ed3m c\u1ea3 nguy\u00ean v\u1eadt li\u1ec7u, th\u00e0nh ph\u1ea9m v\u00e0 b\u00e1n th\u00e0nh ph\u1ea9m)<\/li>\n\n\n\n<li>Ph\u1ee5 l\u1ee5c 2 Ngh\u1ecb \u0111\u1ecbnh 79\/2014\/N\u0110-CP t\u1ea1i Lu\u1eadt ph\u00f2ng ch\u00e1y ch\u1eefa ch\u00e1y cho nh\u00e0 chung c\u01b0, \u0111a n\u0103ng, nh\u00e0 ngh\u1ec9 (5 t\u1ea7ng tr\u1edf l\u00ean ho\u1eb7c kh\u1ed1i t\u00edch 5.000 m3), kh\u00e1ch s\u1ea1n. B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u1ee7 s\u1edf h\u1eefu ph\u1ea3i mua khi thanh tra ki\u1ec3m tra c\u00e1c ch\u1ee7 s\u1edf h\u1eefu kh\u00f4ng c\u00f3 s\u1ebd b\u1ecb ph\u1ea1t theo quy \u0111\u1ecbnh<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3 c\u0103n c\u1ee9 theo quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n b\u1eaft bu\u1ed9c c\u1ee7a chung c\u01b0 d\u00f9 ri\u00eang hay chung, \u0111i\u1ec1u b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o lan to\u00e0n cho s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh b\u1ea1n n\u00ean tu\u00e2n th\u1ee7 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. H\u00e3y n\u1eafm r\u00f5 th\u00f4ng tin n\u00e0y \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t khi tham gia b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e9.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/fc909517-c06f5a39d3d714894dc6.jpg\" alt=\"b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0\" class=\"wp-image-61882\" srcset=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/fc909517-c06f5a39d3d714894dc6.jpg 800w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/fc909517-c06f5a39d3d714894dc6-500x375.jpg 500w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/fc909517-c06f5a39d3d714894dc6-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\"><strong><em>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0<\/em><\/strong><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phi_bao_hiem_chay_no_chung_cu\"><\/span><strong>Ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u00ed mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 b\u1eaft bu\u1ed9c c\u00f3 \u0111\u1eaft kh\u00f4ng? V\u1edbi s\u1ef1 c\u00e2n b\u1eb1ng h\u1ebft m\u1ee9c d\u00e0nh cho ch\u1ee7 nh\u00e0, nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p v\u1edbi kinh t\u1ebf c\u1ee7a ch\u1ee7 nh\u00e0. Do \u0111\u00f3 b\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i lo l\u1eafng li\u1ec7u m\u1ee9c gi\u00e1 b\u1ea3o hi\u1ec3m c\u00f3 qu\u00e1 \u0111\u1eaft hay kh\u00f4ng. L\u1ee3i \u00edch b\u1ea1n thu v\u1ec1 khi mua b\u1ea3o hi\u1ec3m c\u00f3 l\u1ee3i h\u01a1n hay kh\u00f4ng tham gia b\u1ea3o hi\u1ec3m c\u00f3 l\u1ee3i h\u01a1n.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ea7u ti\u1ec1n khi tham gia v\u00e0o b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 <a href=\"https:\/\/www.nhatot.com\/mua-ban-can-ho-chung-cu\">mua b\u00e1n chung c\u01b0<\/a> ch\u1ee7 nh\u00e0 c\u1ea7n ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c m\u1ee9c kh\u1ea5u tr\u1eeb. Khi hi\u1ec3u r\u00f5 m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea1n s\u1ebd d\u1ec5 t\u00ednh to\u00e1n v\u00e0 \u00e1p d\u1ee5ng v\u00e0o mua b\u1ea3o hi\u1ec3m \u0111em l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch v\u00e0 b\u1ecf \u00edt chi ph\u00ed h\u01a1n. M\u1ee9c kh\u1ea5u tr\u1eeb \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 s\u1ed1 ti\u1ec1n c\u00f4ng ty b\u1ea3o hi\u1ec3m chi trong s\u1ef1 ki\u1ec7n c\u1ee7a b\u1ea3o hi\u1ec3m. Khi x\u1ea3y ra thi\u1ec7t h\u1ea1i b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m b\u1ea1n mua quy \u0111\u1ecbnh.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea1i m\u1ee5c II ph\u1ee5 l\u1ee5c II ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh 23\/2018\/N\u0110-CP l\u00e0: \u0110\u1ed1i v\u1edbi nh\u1eefng c\u01a1 s\u1edf kinh doanh c\u00f3 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n l\u1edbn th\u00ec 2 b\u00ean mua v\u00e0 b\u00e1n c\u1ea7n c\u00f3 th\u1ea3o lu\u1eadn. \u0110\u01b0a ra m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd theo \u0111i\u1ec1u m\u1ee5c \u0111\u00e3 quy \u0111\u1ecbnh.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n c\u00f3 nguy c\u01a1 cao v\u1ec1 ch\u00e1y n\u1ed5 kh\u00f4ng thu\u1ed9c c\u01a1 s\u1edf h\u1ea1t nh\u00e2n v\u00e0 t\u00e0i s\u1ea3n c\u00f3 t\u1ed5ng gi\u00e1 tr\u1ecb d\u01b0\u1edbi 1 t\u1ef7 \u0111\u1ed3ng. B\u1eaft bu\u1ed9c hai b\u00ean ph\u1ea3i tu\u00e2n th\u1ee7 theo Kho\u1ea3n 1, m\u1ee5c 1, ph\u1ee5 l\u1ee5c II k\u00e8m theo s\u1ed1 23\/2018\/ N\u0110-CP. T\u00ednh theo t\u1ef7 l\u1ec7 ch\u00e1y n\u1ed5 ph\u1ea3i \u0111\u00f3ng theo quy \u0111\u1ecbnh tr\u00ean th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 ph\u1ea3i \u0111\u00f3ng nh\u01b0 sau:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&nbsp;\u0110\u00f3ng 0.05% \u0111\u1ed1i v\u1edbi nh\u00e0 chung c\u01b0 ( c\u00f3 h\u1ec7 th\u1ed1ng ch\u1eefa ch\u00e1y t\u1ef1 \u0111\u1ed9ng), nh\u00e0 \u0111a n\u0103ng, kh\u00e1ch s\u1ea1n, nh\u00e0 ngh\u1ec9<\/li>\n\n\n\n<li>&nbsp;\u0110\u00f3ng 0.1% \u0111\u1ed1i v\u1edbi nh\u00e0 chung c\u01b0 kh\u00f4ng c\u00f3 h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng ch\u1eefa ch\u00e1y&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi nh\u1eefng quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 n\u01b0\u1edbc v\u1ec1<strong> ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0<\/strong> \u0111\u1ed1i v\u1edbi ch\u1ee7 h\u1ed9 v\u00e0 c\u00e1c doanh nghi\u1ec7p \u1edf Vi\u1ec7t Nam \u0111\u1ec1u d\u1ef1a tr\u00ean th\u1ef1c t\u1ebf. Do \u0111\u00f3 c\u00e1c m\u1ee9c ph\u00ed \u0111\u01b0\u1ee3c \u0111\u01b0a ra kh\u00f4ng h\u1ec1 cao v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi kinh t\u1ebf c\u1ee7a ch\u1ee7 h\u1ed9 chung c\u01b0.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Luat_xu_phat_chay_no_chung_cu\"><\/span>Lu\u1eadt x\u1eed ph\u1ea1t ch\u00e1y n\u1ed5 chung c\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c tr\u1ed1n tr\u00e1nh mua b\u1ea3o hi\u1ec3m chung c\u01b0 ng\u00e0y nay l\u00e0 hi\u1ec7n tr\u1ea1ng v\u00f4 c\u00f9ng nh\u1ee9c nh\u00f3i. H\u1ea7u h\u1ebft m\u1ecdi ch\u1ee7 h\u1ed9 ch\u01b0a nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 nghi\u00eam tr\u1ecdng trong h\u1eadu qu\u1ea3 ch\u00e1y n\u1ed5 chung c\u01b0. \u0110\u1ec3 ng\u0103n ch\u1eb7n s\u1ef1 vi\u1ec7c n\u00e0y x\u1ea3y ra kh\u00f4ng ki\u1ec3m so\u00e1t, nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 quy \u0111\u1ecbnh r\u1ea5t r\u00f5 ch\u1ebf t\u00e0i x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi h\u00e0nh vi vi ph\u1ea1m qua Kho\u1ea3n 2 \u0110i\u1ec1u 46 Ngh\u1ecb \u0111\u1ecbnh 167\/2013\/ N\u0110-CP.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ee5 th\u1ec3 Ngh\u1ecb \u0111\u1ecbnh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh ph\u1ea1m t\u00e0i ch\u00ednh t\u1eeb 30-50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u01b0ng kh\u00f4ng \u0111\u00fang bi\u1ec3u ph\u00ed, quy t\u1eafc<\/li>\n\n\n\n<li>C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng thu\u1ed9c di\u1ec7n ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u00e0 kh\u00f4ng mua&nbsp;<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tr\u00edch n\u1ed9p ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 \u0111\u1ec3 g\u00f3p v\u00e0o kinh ph\u00ed ho\u1ea1t \u0111\u1ed9ng ph\u00f2ng v\u00e0 ch\u1eefa ch\u00e1y<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng t\u00e1ch h\u1ee3p \u0111\u1ed3ng ri\u1ec1ng v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 trong h\u1ee3p \u0111\u1ed3ng tr\u1ecdn g\u00f3i&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p tr\u00ean vi ph\u1ea1m v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 \u0111\u1ec1u b\u1ecb c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n ki\u1ec3m x\u1eed ph\u1ea1t. Do \u0111\u00f3 ch\u1ee7 h\u1ed9 c\u1ea7n n\u1eafm b\u1eaft th\u00f4ng tin v\u00e0 ch\u1ea5p h\u00e0nh lu\u1eadt nghi\u00eam ch\u1ec9nh. N\u1eafm \u0111\u01b0\u1ee3c<strong> ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 <\/strong>m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c nh\u1ea5t. Khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c th\u00f4ng tin b\u1ed5 \u00edch n\u00e0y b\u1ea1n kh\u00f4ng c\u1ea7n lo l\u1eafng v\u1ec1 gi\u00e1 khi tham gia v\u00e0o b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung ch\u1ee7 n\u1eefa. Tham gia ngay b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 c\u00f9ng Nh\u00e0 T\u1ed1t nh\u00e9.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/9669b109-2c096c09dce71bb942f6.jpg\" alt=\"Mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 \u1edf \u0111\u00e2u\" class=\"wp-image-61879\" srcset=\"https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/9669b109-2c096c09dce71bb942f6.jpg 800w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/9669b109-2c096c09dce71bb942f6-500x375.jpg 500w, https:\/\/static.chotot.com\/storage\/chotot-kinhnghiem\/nha\/2022\/11\/9669b109-2c096c09dce71bb942f6-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\"><strong><em>Mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 \u1edf \u0111\u00e2u<\/em><\/strong><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cung_Nha_Tot_kham_pha_bao_hiem_chay_no_khi_o_chung_cu\"><\/span><strong>C\u00f9ng Nh\u00e0 T\u1ed1t kh\u00e1m ph\u00e1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 khi \u1edf chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e0y nay vi\u1ec7c t\u00ecm hi\u1ec3u v\u00e0 mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0 l\u00e0 kh\u00f4ng d\u1ec5 d\u00e0ng. Th\u1ea5y \u0111\u01b0\u1ee3c nhu c\u1ea7u \u0111\u00f3 t\u1eeb c\u00e1c ch\u1ee7 h\u1ed9 nh\u00e0 n\u01b0\u1edbc<strong> <\/strong>ban h\u00e0nh c\u00e1c ch\u00ednh s\u00e1ch<strong> b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c nh\u00e0 chung c\u01b0<\/strong>. Vi\u1ec7c gi\u00fap b\u1ea1n bi\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng th\u1ee7 t\u1ee5c, gi\u00e1 c\u1ea3 ch\u00ednh x\u00e1c khi tham gia v\u00e0o b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean website c\u1ee7a Nh\u00e0 T\u1ed1t vi\u1ec7c trao \u0111\u1ed5i mua b\u00e1n <a href=\"https:\/\/www.nhatot.com\/tags\/thue-chung-cu-mini\">chung c\u01b0 mini<\/a>, c\u0103n h\u1ed9 cao c\u1ea5p, c\u00e1c d\u1ef1 \u00e1n r\u1ea5t nhi\u1ec1u. Do \u0111\u00f3 b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 c\u00e1c th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0. G\u00f3p ph\u1ea7n cho vi\u1ec7c \u0111\u1ecbnh gi\u00e1 s\u1ea3n ph\u1ea9m v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c d\u1ec5 d\u00e0ng h\u01a1n.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi d\u00e2n \u1edf chung c\u01b0 khi x\u1ea3y ra ch\u00e1y n\u1ed5. Do k\u1ebft c\u1ea5u x\u00e2y d\u1ef1ng c\u1ee7a chung c\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c tho\u00e1ng m\u00e1t nh\u01b0 nh\u00e0 \u0111\u1ea5t li\u1ec1n,khi x\u1ea3y ra ch\u00e1y n\u1ed5, nh\u1eefng thi\u1ec7t h\u1ea1i d\u00e2n c\u01b0 ph\u1ea3i ch\u1ecbu l\u00e0 r\u1ea5t l\u1edbn.<\/p>\n","protected":false},"author":55,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0","_yoast_wpseo_title":"B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 c\u00f3 c\u1ea7n thi\u1ebft hay kh\u00f4ng?","_yoast_wpseo_metadesc":"B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi d\u00e2n \u1edf chung c\u01b0 khi x\u1ea3y ra ch\u00e1y n\u1ed5. Do k\u1ebft c\u1ea5u x\u00e2y d\u1ef1ng","_editorskit_title_hidden":false,"_editorskit_reading_time":6,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[1108],"tags":[],"class_list":["post-61880","post","type-post","status-publish","format-standard","category-thu-tuc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 c\u00f3 c\u1ea7n thi\u1ebft hay kh\u00f4ng?<\/title>\n<meta name=\"description\" content=\"B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi d\u00e2n \u1edf chung c\u01b0 khi x\u1ea3y ra ch\u00e1y n\u1ed5. 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