Ng\u00e2n h\u00e0ng n\u00e0o \u0111ang cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n nhi\u1ec1u nh\u1ea5t? <\/p>\n
VPBank, SHB, Techcombank v\u00e0 MB c\u00f3 g\u1ea7n 900.000 t\u1ef7 \u0111\u1ed3ng d\u01b0 n\u1ee3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, c\u00f2n VIB, TPBank d\u1eabn \u0111\u1ea7u v\u1ec1 t\u1ed1c \u0111\u1ed9 t\u0103ng trong n\u1eeda \u0111\u1ea7u n\u0103m.<\/p>\n
Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u1ee3p nh\u1ea5t 6 th\u00e1ng \u0111\u1ea7u n\u0103m, 4 nh\u00e0 b\u0103ng VPBank, SHB, Techcombank v\u00e0 MB c\u00f3 d\u01b0 n\u1ee3 cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u1edbn nh\u1ea5t h\u1ec7 th\u1ed1ng.<\/p>\n
T\u00ednh \u0111\u1ebfn cu\u1ed1i qu\u00fd II, quy m\u00f4 cho vay m\u1ea3ng n\u00e0y t\u1ea1i VPBank kho\u1ea3ng 296.000 t\u1ef7 \u0111\u1ed3ng, cao nh\u1ea5t to\u00e0n ng\u00e0nh. SHB v\u00e0 Techcombank c\u00f9ng tr\u00ean 200.000 t\u1ef7 \u0111\u1ed3ng, c\u00f2n MB kho\u1ea3ng 167.000 t\u1ef7.<\/p>\n
T\u1ed5ng c\u1ed9ng, 4 nh\u00e0 b\u0103ng n\u00e0y c\u00f3 g\u1ea7n 900.000 t\u1ef7 \u0111\u1ed3ng d\u01b0 n\u1ee3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 36% to\u00e0n ng\u00e0nh cho vay c\u00f9ng m\u1ea3ng n\u00e0y. Theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a to\u00e0n h\u1ec7 th\u1ed1ng \u0111\u1ebfn cu\u1ed1i th\u00e1ng 6 v\u01b0\u1ee3t 2,5 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, \u01b0\u1edbc t\u0103ng kho\u1ea3ng 25% so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n
D\u00f9 c\u00f9ng n\u1eb1m trong nh\u00f3m d\u1eabn \u0111\u1ea7u, t\u1ed1c \u0111\u1ed9 t\u0103ng cho vay l\u0129nh v\u1ef1c n\u00e0y c\u00f3 s\u1ef1 ph\u00e2n h\u00f3a gi\u1eefa 4 nh\u00e0 b\u0103ng.<\/p>\n
N\u1eeda \u0111\u1ea7u n\u0103m nay, VPBank v\u00e0 MB ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh gi\u1ea3i ng\u00e2n cho kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Theo s\u1ed1 li\u1ec7u c\u1ee7a Ch\u1ee9ng kho\u00e1n K\u1ef9 th\u01b0\u01a1ng (TCBS), d\u01b0 n\u1ee3 cho vay m\u1ea3ng n\u00e0y c\u1ee7a VPBank t\u0103ng 42% c\u00f2n MB t\u0103ng 38%.<\/p>\n
\u1ede chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, Techcombank v\u00e0 SHB l\u1ea1i ghi nh\u1eadn m\u1ee9c t\u0103ng cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u1ea5p h\u01a1n h\u1eb3n so v\u1edbi m\u1eb7t b\u1eb1ng, l\u1ea7n l\u01b0\u1ee3t ch\u1ec9 t\u0103ng kho\u1ea3ng 2,6% v\u00e0 8% so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n
T\u1ea1i Techcombank, l\u00e3nh \u0111\u1ea1o nh\u00e0 b\u0103ng t\u1eebng chia s\u1ebb v\u1ec1 ch\u1ee7 tr\u01b0\u01a1ng ch\u1ee7 \u0111\u1ed9ng t\u00e1i ph\u00e2n b\u1ed5 ngu\u1ed3n v\u1ed1n sang nh\u1eefng l\u0129nh v\u1ef1c c\u00f3 nhu c\u1ea7u v\u1ed1n b\u1ec1n v\u1eefng, m\u1ee5c ti\u00eau \u0111\u01b0a t\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m v\u1ec1 quanh 20-25% v\u00e0o n\u0103m 2030.<\/p>\n
C\u0169ng theo th\u1ed1ng k\u00ea c\u1ee7a TCBS, x\u00e9t v\u1ec1 m\u1ee9c \u0111\u1ed9 t\u1eadp trung, SHB l\u00e0 nh\u00e0 b\u0103ng c\u00f3 t\u1ef7 tr\u1ecdng cho vay kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3 cao nh\u1ea5t, kho\u1ea3ng 26,4% v\u00e0o cu\u1ed1i qu\u00fd II. K\u1ebf ti\u1ebfp l\u00e0 BVBank kho\u1ea3ng 26%, Techcombank 22% v\u00e0 VPBank 19%.<\/p>\n
Trong 26 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u00f4ng ty ch\u1ee9ng kho\u00e1n n\u00e0y kh\u1ea3o s\u00e1t, d\u01b0 n\u1ee3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u1ea7n chi\u1ebfm kho\u1ea3ng 6,5% t\u1ed5ng d\u01b0 n\u1ee3 v\u00e0 t\u0103ng g\u1ea7n 20% so v\u1edbi \u0111\u1ea7u n\u0103m. T\u1ed1c \u0111\u1ed9 n\u00e0y cao kho\u1ea3ng g\u1ea5p \u0111\u00f4i m\u1ed9t s\u1ed1 nh\u00f3m nh\u01b0 th\u01b0\u01a1ng m\u1ea1i – d\u1ecbch v\u1ee5 hay c\u00f4ng nghi\u1ec7p. C\u00f2n n\u1ebfu t\u00ednh c\u1ea3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 x\u00e2y d\u1ef1ng, d\u01b0 n\u1ee3 cho m\u1ea3ng n\u00e0y chi\u1ebfm 11,5% t\u1ed5ng d\u01b0 n\u1ee3 to\u00e0n ng\u00e0nh.<\/p>\n
TCBS cho bi\u1ebft t\u00edn d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u1eabn t\u1eadp trung nhi\u1ec1u \u1edf nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 quan h\u1ec7 v\u1edbi c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 l\u1edbn. Tuy nhi\u00ean, t\u1ed1c \u0111\u1ed9 t\u0103ng nhanh nh\u1ea5t n\u1eeda \u0111\u1ea7u n\u0103m l\u1ea1i \u0111\u1ebfn t\u1eeb nh\u1eefng nh\u00e0 b\u0103ng \u0111ang m\u1edf r\u1ed9ng ph\u00e2n kh\u00fac n\u00e0y t\u1eeb n\u1ec1n th\u1ea5p.<\/p>\n
VIB t\u0103ng d\u01b0 n\u1ee3 kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n kho\u1ea3ng 58% trong n\u1eeda \u0111\u1ea7u n\u0103m, TPBank t\u0103ng 55% v\u00e0 OCB t\u0103ng 32%. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u00edn d\u1ee5ng kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng ch\u1ec9 t\u0103ng t\u1ea1i nh\u00f3m ng\u00e2n h\u00e0ng v\u1ed1n c\u00f3 danh m\u1ee5c l\u1edbn, m\u00e0 \u0111ang m\u1edf r\u1ed9ng sang nhi\u1ec1u nh\u00e0 b\u0103ng kh\u00e1c.<\/p>\n
V\u1edbi 18 \u0111\u1ea1i d\u1ef1 \u00e1n tr\u1ecdng \u0111i\u1ec3m qu\u1ed1c gia, h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng l\u1edbn hi\u1ec7n ch\u01b0a ph\u00e1t sinh d\u01b0 n\u1ee3 ho\u1eb7c m\u1edbi tham gia 1-2 d\u1ef1 \u00e1n. L\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng cho bi\u1ebft s\u1eb5n s\u00e0ng c\u1ea5p v\u1ed1n khi ch\u1ee7 \u0111\u1ea7u t\u01b0 c\u00f3 nhu c\u1ea7u, v\u1edbi \u0111i\u1ec1u ki\u1ec7n d\u1ef1 \u00e1n \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed cho vay hi\u1ec7n h\u00e0nh.<\/p>\n