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NHA NU'O'C VIET NAM SO: 16/2014/TTLT-BTP-BTNMT-NHNN

ONG HOA ICA HOI CHU NGIU-A VItT NAM Doc lap - Ttr do - Hanh pink

Ha NOi, ngay 06 thang 6 nam 2014

THONG TU'LIEN TICH Htratg clan mat se van de ve xir 157 titi san bao dam

Can c U. BO luat Dein su ngay 14 thong 6 nam 2005; Can Nghi clinh sO 163/2006/ND-CP ngay 29 thong 12 main 2006 cita

Chinh philt giao dich bcio cid m; Can etre Nghi dinh sO 11/2012/ND-CP ngety 22 thong 02 nam 2012 cita

Chinh pha v'd szia dal, b a sung mOt sa didu Nghi dinh sa 163/2006/ND-CP ngay 29 thang 12 neim 2006 cilta Chinh phet giao dich brio dam;

Can c Nghi dinh sa 53/2013/ND-CP ngay 18 thcing 5 nam 2013 ciia Chinh pint' ye thanh lap, ta chlic va hogt Ong cita Cong ty Quanlj, tai scin cica cat to chicc tin dung Viet Nam,.

Can cle Nght dinh so 22/2013/ND-CP ngay 13 thang 3 nam 2013 ctha Chinh phit guy dinh chat ncing, nhiem vu, guyen hgn va ca cau ta chircc cita BO Tic phdp;

Can cit. Nghf clinh sa 21/2013/ND-CP ngay 04 thang 3 nam 2013 cilia Chinh phii guy dinh chicc nang, nhiem guild!? hgn va ca cau ta chirc cfca BO Teti nguyen va Mai truang;

Can cile Nght clinh s a 156/2013/ND-CP ngay 11 thang 11 neim 2013 cUa Chinh phit viec guy clinh cluk neing, &dem guye'n hgn va cau ta chziv

Ngcin hang Nha mac Viet Nam,. , BO trifling BO Ttr phap, BO truemg BO Tai nguyen vez Moi truang, Thang

cloc Ngcin hang Nha nuac Viet Nam ban hanh Thong tte tich hufmg dan mOt so van de ve ly taz san bao dam.

Chuang I NHEING QUY DINH CHUNG

Dieu 1. Pham vi dieu chinh

I. Thong tu nay huong dan viec thu gift, ban tai san bao dam, nhen chinh tai sari bao clam de thay the cho viec thvc hien nghla dm ben bao dam va thfi tvc chuyen quyen so hcru, quyen six dvng tai san sau khi xfr IY tai san bao dam.

2. Thong tu nay khong ap dvng den veri truang hop xi( ly tai san bao dam trong hoat dQng thi hanh an clan sv.

Dieu 2. DOi ttrotg ap dung

1.Ben bao dam, ben nhan bao darn trong hop deng bao dam.

2. Ging ty Quart 15, tai san cua cac to chirc tin dung Viet Nam dugc thanh lap va hoat ding theo quy dinh cua phap luat Viet Nam.

3. Co quan co tham quyen clang tc* quyen so hint, quyen su dung, quyen Jim bath tai san.

4. Uy ban nhan dan xa phuong, thi trait nal tien hanh thu giii tai san bao dam (sau day goi laity ban nhan dan cap xa).

5. T6 chirc lam nhiem vu ben thuimg theo quy dinh cua phap luat trong twang hop Nha nude thu 11.6i dat, tai san gan lien yoi dat

6. 116 chirc hanh ngh'e Gong chUng, t6 chirc c6 chirc nang ban dau gia tai san, ben cam gift tai san, ben mua tai san bao dam, ben c6 nghia vu tra no.

7. Cac to chirc, ho gia dinh, ca nhan khan c6 lien quan.

Dieu 3. Trach nhiem cna t6 chirc, ha gia dinh, ca nhan có lien quan trong viec xir 132 tai san bio dam

1. Than thit can nguyen bac dirge quy dinh tai Dieu 58 Nghi dinh s6 163/2006/ND-CP ngay 29 thang 12 nam 2006 dm Chinh plan ye giao dich bao dam (sau day goi Ia Nghi dinh s6 163/2006/ND-CP) va khoan 15 Dieu 1 Nghi dinh so 11/2012/ND-CP ngay 22 tiling 02 nam 2012 cna Chinh phit ve situ dei, be) sung mot s6 dieu ciaa Nghi dinh s6 163/2006/ND-CP ngay 29 thang 12 nam 2006 caa Chinh phit ve giao dich lido dam va cac quy dinh khac co lien quan.

2. Time hien cac thoa thuan ve xir lY tai san bao dam da duoc xac lap hop phap va cac quy dinh khac co lien quan cua phap luat.

3. Khong dirge can trd, thong dOi viec thu gift hgp phap tat san bao dam; kheing dugc the giau, tau tan tai san bao dam hoac nen trinh vie thirc hien nghia vu dirge bao dam.

Chtrung II XU LY TAI SAN BAO DAM

Dieu 4. X& ly dei veri tai san the chap la hang hem Man chuyen trong qua trinh san xuat kinh doanh do ben the chap ban, thay the tai san the chap Wing co str ding y am been nhan the chap trong khi lityp dung the chap di dtrot d5ng ky giao dich bao dam va gicra ben the chip v41 ben nhan the chip có them thuan khi ban, thay the tai san the chap phii dirge sty dOng y am ben nhan the chap

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1. Truong hgp ben nhan the chap thtrc hien quyen thu held tai san the chap thi giai quyet nhu sau:

a) Ben nhan the chap giri trtrc tiep heac qua dtrong buu di'en, van ban thong bao cho ben nhan chuyen quyen scly quyen sir dung tai san ve viec thu hed tai san, kem theo met (01) ban chinh hgp ding bap dam da clugc cong chi:mg theo quy dinh phap luat hoac met (01) ban sao hgp &Ong bao dam duce illy ban nhan dan cap xa chi:mg time, te chide hanh nghe cong chimg cap tir ban chinh hoac met (01) ban sao Giay chung nhan clang 1c3'T giao dich bao dam do co: quan dang k5, giao dich bao dam cap.

Van ban theng bao girl ben nhan chuyen quyen ham quyen sir dung phai xac dinh tai san the chap, tided han, dia diem giao nhan tai san the chap, chn the co quy'en nhan tai san the chap.

b) Neu ben nhan chuyen quyen quyen sir dung tai san thgc hien viec giao 14i tai san theo yeu eau oda ben nhan the chap thi cac ben lap bien ban ban giao tai san, co chit kY, con &au (neu co) elm cac ben.

c) Chi phi lien quan den viec bao quan tai san the chap dugc tinh vao chi phi kir 13/ tai san bao dam. Sau Ichi nhan 14i tai san the chap thi ben nhan the. chap co trach nhiem bao quan, gift gin tai san the chdp; neu lam mat hoalc hu hong tai san the chap thi phai bed thuong thi'et hai cho ben the chap Mr nhang hu hang, mat mat c/a c6 tnroc khi ben nhan the chap thu hOi tai san the chap hoac do sg kien bat kha khang.

d) Neu ben nhan chuyen quyen hau, quyen sU dung tai san lchOng thgc hien viec giao 14i tai san theo ding yeu cdu b'en nhan the chap thi ben nhan the chap cO quyen thut hien viec thu tai san bao dam theo quy dinh tat Dieu 63 Nghl dinh se 163/2006/ND-CP hoac khed kien theo quy dinh phap luat ve tO tung clan str.

2. Trueng hep ben nhan the chdp khong thgc hien quyen thu he' tad san the chap theo quy dinh khoan 1 Dieu nay thi giai quyet nhix sau:

a) Tn.remg hgp ben the chap ban tai san the. chap thi ben nhan the' chap co quyen yeu cau ben the chap chuyen se ti'en thu dugc heac tai san hinh thanh tir se tien thu dugc tix viec ban tat san the chap thanh man cho gia tri nghia vti clugc them thuan trong hop deng the chap. Neu ben the chap clam nhan tien thanh toan hoac mei nhan met phan tien thanh toan thi ben nhan the chap co quyen yeu c'au ben mua thanh toan s6 tien mua tai san the chap cho minh.

Tnreng hgp se tien thu dugc hoac gia tri tai san hinh thanh tir se tien thu dugc khong did de thanh toan gia tri nghia thi ben the chap phai thanh toan se

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tien con thieu cho ben nhan the chap neu ben the chap deng tiler la ben co nghia vu dune bao dam hoac ben c6 nghia vu dugc bao dam phai thanh toot) so tien con thieu cho ben nhan the chap neu ben the chap khong &mg that la ben c6 nghiia vg duge bao dam, tit tan:mg hop cac ben c6 th6a thuAn khac.

Trong truing hop se nen thu dugc hoac gia tri tai san hinh thanh tir so tien thu dugc 166) hon gia tri nghia vu thi ben nhAn the chap phai tra se tien chenh tech cho ben the chap.

b) Trueng hop ben the chap thay the tai san the chap thi ben nhan the chap duac quyen thu gift, xir ly tai san thay the va se tien thanh town gia tri chenh tech (neu co) thanh town cho nghia vu cila ben the chap.

3. Tailing hop ben nhan the chap khong the th9c hien quyen thu hei tai san the chap do tai san the chap bi mat, hu hong, mat gia tri hoac giam sat gia tri thi co quyen yeu cau ben the chap sfra chila, be sung hoac thay the tai San khac co gia td trong duong hoac be sung, thay the bien pile]) bao dam Ude hoAc yeti cau d6i boi thuinig thief hai theo quy dinh cua phap 'Mat, tit truing hip cac ben co thea thuan khac.

4. Ben nhan chuyen quyen sos him, quy'en sir dung tai san co quyen Iched Tien de yeti eau ben the chap hoan tra se) tien, tai san da nhan va bei throng thier hai, chi phi thgc to phat sinh (neu co) theo quy dinh cua phap Mat.

Dieu 5. Yeu cau hoan tra tai san bao dam dung bi cam gift . trong hop (long song vial de xir 13-7

1. Trueng hop tai san the chap dang bi cam gift theo quy dinh tai Dieu 416 Bo luat Dan skr nam 2005 thi ben nhan the chap c6 quyen yeu cau ben the chap thuc hien nghia vu del vii ben cam giir hoac ttr minh thuc hien nghia vu dei veci ben cam gift de nhan 14i tai san the chap. Sau khi ben nhan the chap hoac ben the chap da time hien xong nghia vu thi ben cam gift co truth nhiem giao lai tai san theo thei han va dia diem ma ben nhan the chap hoac ben the chap yeu can.

Viec giao tai san the chap phai dirge lap thanh bien ban co chit kY, con dau (neu co) cita ben the chap va ben cam gift trong truing hip ben the chh thgc hien nghia vu dei vii ben cam gift hoac co chit icy, con &Au (neu co) cea ben nhan the chap va ben cam gift trong truing hip ben nhan the chap thuc hien nghia vu dei vii ben cam gill., trir trifling hey cac ben co thee thuan khac.

Truerng hip ben nhan the chap thuc hien nghia vu dei \Jai ben cam thi co quyen yeu cau ben the chap hoan tra gia trj nghia vu da thgc hien va the chi phi hop ly phat sinh (neu ca) hoac dtrgc tinh vao gia tr nghia vu cita ben the chap khi xir lYtai san the chap.

2. ICE you cau ben cam giao lai tai san xd ben nhan the chap co nth nhiem xuat trinh Gidy chirng nhan clang ky giao dich bao dam do ca quan clang kY giao dich bao dam cap hoac hgp (tang the chap de chimg minh tai san do dang dugc chang de the chap, frit truong hop phap luat c6 quy dinh khan.

3. Truang hop ben nhan the chap hoac ben the chap da thuc hien xong vu ma ben cam gig khang giao tai san dan den thiet hai cho ben nhan the

chap thi ben calm gift phai bai thuong thiet hai theo quy dinh phap luat

Tnremg hop ben cam gig khong giao tai san hoac khong bai thuimg thiet hal thi ben nhan the chap hoac ben the chap ea quyen khed kien yen cAu Tim. an giai quyat.

Dieu 6. Xa. tai san the chAp la quyen sir dung dit, tai sin gan vtri (Tat trong truirng hqp buy deng the chap d5 dirge tang ky? track khi co' quan nha ntrat c6 tham quyen thu hei theo quy dinh caa phip

I. Trong qua trinh lap phtrang ve bai thuong, ha trg, tai dinh cu theo quy dinh phap luat dat dai, Ta chirc lam nhiem vg bai thuang co trach nhiem tim hieu th6ng tin ve quy'en sir dung clat, tai san gan lien vai dat bi thu hai tai Van phong dang ky quyen sir dung dat.

Tren co sor nai dung dang k32 the chap dugc Van phOng clang ky quyen six dung dat cung cap, Ta chire lam nhiem vu bai thmang co trach nhiem th6ng bao bang van ban ye sa tien bai thuong, thin gian, diem chi tra tien bai throng cho ben nhAn the' chap va ben the chap.

2. Tim:mg hgp quyen sir dung dat, tai san gan lien vai &At dugc dung de bao dam thgc hien mat nghin vu, ma ben the chap va ben nhan the chap ca thoa thuan ve viec ben nhan the chap dugc nhan sa tien bai thuong hoac cac lgi ich phat sinh lien quan den tai san the chap trong thed gian hgp dang the chap c6 hieu lye thi viec giao nhan lien bai thuang dtrgc thgc hien nhu sau:

a) Trong thbi han nam (05) ngay lam viec, ke tir ngay nhan dugc thong bao cga Ta chirc lam nhiem vg bai thuang thi ben nhan the chap phoi nap cho Ta chirc lam nhiem vu bai thuong cac tai lieu sau day:

- Mat (01) ban chinh hgp thing the chap da duct Gang chimg thgc theo quy di/1h phap hi@ hoac mat (01) ban sao hop dang the chap duct ty ban nhan dan cap xa chi:mg thgc, ta chirc hanh nghe Gong chimg cap tir ban chinh.

Trong truing hap hgp dang the chap khang c6 thim thuan thi ben nhan the chap phai nap mat (01) Van ban them thuan gift ben the chap va ben nhan the chap ve viec ben nhan the chap dugc quyen nhan tien bai thuirng;

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- Met (01) van ban xac dinh re gia tri nghia vu throe bao dam bang tai san

bi thu hOi tai thai diem Nha nude thu hei quyen sir dung dat, tai san gan lien vori

dat,

b) Trong thei han muti (10) ngdy, ke tir ngay nhan duet van ban de nghl

chi tra tien boi thueng cilia ben than the chap thi TO chlic lam nhiem vu boi

thuang c6 trach nhiem plaai thong bao bang van ban cho ben the chap bier ve viec se chi tra tien boi thuang cho ben nhan the chap. Thong bao phai neu ro ngay, gia, so tien bOi thuang, ten va dia chi dm ben nhan the chap throe nh5n tien boi thlrong.

c) To chilly lam nhiem vu ben thming co trach nhiem time hien viec chi tra tien boi thuang cho ben nhan the chap theo quy dinh cua phap luat dat dai va cac quy dinh cua phap 'Mitt ve giao dich bao darn.

Neu se ben boi thuang fern han gia tri nghia vu thanh toan thi To chile lam nhiem vu boi thtding c6 trach nhiem tra se tien con lai cho ben the chap; nen s6 tien boi thuang khong dit de thanh toan gia tri nghia vu cilia ben the chap

thi ben the chap co trach nhiem hoan tra so lien con thieu cho ben nhan the chap, trir truth-1g hop ben the chap kheng ding thei la ben co nghia vu throe bao dam hoac cac ben c6 thea thuan khac.

3. Trueng hop cac ben lcheing c6 th6a thu5n ve viec ben nh5n the chap &roc nhan so tien boi thueng, cac lai ich phat sinh lien quan den tai san the chap trong thai gian hop deng the chap co hieu lire thi TO chat lam nhiem vu boi thueng chi thue hien viec chi tra tien boi thuang theo quy dinh tai khoan 2 Dieu nay cho ben nhan the chap sau khi c6 van ban deng y cilia ben the chap. 'Trueng hop ben the chap khang deng 3'7 thi T6 chirc lam nhiem vu boi thutng chuyen se tien boi thueng vao tai khoan do TO chirc lam nhiem vu boi thuang lap tai ngan hang va thirc hien viec chi tra sau khi c6 ban an, quyet dinh giai quyet tranh chap c6 hien lie phap lualt dm co quan nha nu& c6 tham quyen, trir traeng hop cac ben co them, thu5n

4. Trueng hop quyen sir dung dat, tai san gAn lien veri dat dirge dung de bao dam thtrc hien nhieu nghia vu tai nlaieu ben nhan bao dam khac nhau thi can cir vao thong tin ve not dung Clang ky the chap do Van phemg clang ky quyen sir dung dat cung cap, TO chac lam nhiem vu boi thueng thuc hien viec chi tra tien boi thuong cho cac ben cling than bao darn theo thin to tru tien thanh toan namg irng yeti gia tri nghia vu duge bao dam theo quy dinh cna BO lualt Dan sir tram 2005.

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5. Truang hop ben the chap duqc bOi thuang bang nha 6, di or tar clinh cu thi nha Or, dat 6 tai dinh cu &roc dimg thay the tai san th6 chap bi Nha nuec thu herd, trir truemg hop cac ben c6 th6a than khac.

Throng hop xir lY tar san bao ctam ma gia tri coa nha 6, dat tai clinh cu d6 khong da thanh Coin gia nghia. vo thi ben tha chap phai tra s6 tian con thi6u cho ben nhan the chap neu ben the chap thing theri la ben co nghia duqc bao dam hoac ben co nglila dugc bao dam phai tra se tien can thiau cho ben nhan the chap neu ben tha chap khong thing the' la ben co nghia vu dugc bao dam, trir truang hop cac ben co thea thuan khac.

Truang hep gia tri nha a, del & tai dinh cu do Ian hcm gia tri nghia dm ben the chep thi ben nhAn the chap phai tra s6 tian chenh lech cho ben tha chap.

Dieu 7. Xir ly tai san the chap la quyen nq 1.Tnrot thee diem xi( 15, quyen doi no it nhat bay (07) ngay lam viec, ben

nhan the chap gni cho ben co nglila vo tra Van ban thong bao xir ly quyen dee no va met (01) ban sao c6 xac nhan dia t6 chat hanh nghe c8ng chimg dei voi hop ding the chap quyen dOi no da throc &Ong chung hoAc ban chinh h9p deng the chap quyen no co chit Icy, con deu (neu c6) cim cac ben hoAc Gity cluing nhan tang ky giao dich bao dam bang quyen doi no do ca quan clang IcY giao dich bao dam cap.

2. Trong thee han bay (07) ngay lam viec ke ta ngay nhan duoc van ban thong bao )(lir IY quyen dOi no, ben c6 nghia vp tra no ca trach nhiem thanh toan khoan no cho ben nhan the chap theo hi/Ong clan nhu sau•

a) Nau thin diem thvc hien nghla tra no theo hop deng co can dr phat sinh quy'en dei no &la ben the chap xay ra trixot thee diem xir ly quyen den no theo hop ding the chap thi ben co tra no co trach nhiem chuyen khoan nen tra no vao tai Ichoan do ben c6 tra me tai Ngan hang theo chi dinh ben nhan the chap.

Ben nhan the chap c6 quyen yeu cAu Ngan hang phong t6a tai khoan nay va chi duoc quyen yeu cau Ngan hang giai tea de )(Cr ly Ichi den thee diem Kg tai san the chap. ,K8 tir thee diem nOp nen vao tai lchoan, ben co ngliia tra Ichong duce quyen you eau Ngan hang giai nia va thgc hien giao dich dei WA se tien nay.

b) Neu thoi diem thgc hien nghia vu tra no theo hep clang co can cd phat sinh quyen del no dm ban the chap xay ra sau tiled diem xir ly quyen den no theo hop dong the chap thi ben nhan the chap duet quyen yeti cau ban c6 nghla

vu tra no phai thanh toan khoan no do cho minh tai thed diem nghia vu Ira ng den han.

Ben nhan the chap khong &roc yeu can ben the chap thanh town khi nghia vu tra no chug den han, tre truang hop co thea thuan khac.

3. Twang hop nhan tivc tiep cac khoan tien, tai san tit ben co nghia vu tra no thi ben nhan the chap phai lap bien ban co chit k:51: dm ben the chap, ben nhan the chap va ben ca nghia vu tra no. Bien ban nhan cac khoan tien, tai san phai ghi re viec ban giao, tiep nhan ode khoan tien, tai san va xac dinh gia tri tai san.

Trong truong hop ben the chap 'thong ky vao bien ban thi bien ban do chi can chit bir cga ben nhan the chap va ben co nghia vg tra ng. Ben nhen the chap co tranh nhiem gin bien ban nhan cac khoan tien, tai san cho ben the chap.

4. Trugng hop ben co nghia v9 tra ng khong thgc hien theo quy dinh tai khoan 2 Dieu nay thi ben nhan the chap co quyen thgc hien cac bien phap sau day:

a) Thu gift tai san bao dam xir 19 theo the tuc quy dinh tai Dieu 63

Nghi dinh so 163/2006/ND-CP trong tnrong hop khoan no la vat;

b) You can ben co nghia phai tra so tien goo, lai va lai qua hail. (nen co)

theo thee thuan trong hop &Ong, phi hop lied quy dinh cia phap luat, trir truemg hop ce thoa thuan khac;

c) Yeu can ben the chap thoc hien tiep nghia vu bao dam trong trueng hop gia tri nghia vu ma ben co nghia vu tra no theo hop thing co can cu phat sinh quyen dei no thuc hien khong de de thanh toan gia tri nghia vu cea ben the

chap;

d) Khai kien yeu cau Tea an giai quyat tranh chap theo quy dinh cea

phap luat.

5. Viec xu 19 tai san the chap la quyen tai san phat sinh tir hop ding mua ban nha a hinh thanh trong tuong lai deoc thoc hien theo quy dinh tai cac khoan 1, 2 va 3 Dieu nay.

Dieu 8. Xir ly tai san bao dam la tai san hinh thanh trong twang lai

I. Tr:sang hop tai san bao dam thuOc den tuong clang k9 quyen sa him, quyen bra hanh tai san, viec xir 19 tat san bao dam duet thoc hien nhu sau:

a) Truang hop ben the chap khong thoc hien hoac thoc hien kh8ng dung nghia vu duoc thea thuan trong hop thing the chap den den viec phai xe 19 OS san the chap la nha a thuong mai hinh thanh trong tuong lai do to cline, ca nhan mua cea doanh nghiep kinh doanh bat deng san thi tai san the chap duce xir 19

nhu sau:

Neu chn dau tu chua ban giao nha cho ben the chap tin ben nhan the chap duce quyen nhan chinh tai san the chap de thay the cho viec thgc hien nghia dm ben the chap theo quy dinh tai Dieu 11 Thong tu nay hoac chuyan nhuong hop clOng mua ban nha hinh thanh trong tuang lai cho ban thir ba theo

tuc chuyen nhugng hop ding mua ban nha hinh thanh trong tuang lai quy dinh tai Nghl dinh se 71/2010/ND-CP ngay 23 thang 6 narn 2010 cila Chinh pho quy dinh chi ti6t va huang dam thi hanh Luat Nha (sau day goi la Nghl dinh s6 71/2010ND-CP) va Thong tu se 16/2010/TT-BXD ngay 01 thang 9 nam 2010 cga BO Xay dgng quy dinh cu the va huemg dan thgc hien met se, nei dung dm Nghi dinh sO 71/2010ND-CP ngay 23 thang 6 nam 2010 dm Chinh pha quy dinh chi ti6t va huemg din thi hanh LIS Nha er (sau clay g9i la Th6ng rix so 16/2010/TT-BXD). Trong truong hop nhan chinh tai san the chap 6 thay the cho viec thgc hien nghia vu cga ban the chap, ben nhan the chap phai tuan quy dinh tai khoan 3 Dieu 132 Drat Cac t6 chat tin dung nam 2010.

Neu chit dau tir da ban giao nha cho ben the chap nhung chua thuc hien tuc cap way chung nhan quyen sa huu nha a thr ca quan the. nutic co tham

quyen thgc hien viec cap giay chung nhan quyen so hurl nha cho ben mua nha 6 trong truerng hap nha duce ban de thanh toan nghila vu duot bao dam. Thii cAp giAy chimg nhan quyen sa him nha a duce thgc hien theo quy dinh cga phap luat ve cap Gity chimg nhan quyen sir dung dat, quyen ser him nha a va tai san khan gan lien yeti dat.

b) Tnrerng hop ban the chap khong thgc hien hoac thgc hien kh8ng thing nglila vu duce thee thuan trong hop clang the chap dan den viec phai xir lY san the chap la nha a hei hinh thanh trong tirong lai thi san the chap duce xir nhu sau:

, Neu dau tu chua ban giao nha cho ben the chap thi ban nhan the chap phoi hop ved chit' dau tu,cham dirt hop thing mua ban nha yeti ban the chap de ban lai nha do cho del tuong duct mua nha xa hOi theo quy dinh phap luat ve nha a

Neu chii clau da ban giao nha cho ban the chap nhung chua thgc hien thg tuc cap giay chimg nhan guy& ser him nha thi ban nhan the chap ph6i hop yeti dau tu ban lai nha do cho doi Wong duce mua nha xa hei theo quy dinh phap luat ye nha

Thu tuc mua ban nha dugc thgc hien theo quy dinh tai Nghi dinh 71/2010/ND-CP va Thong tu sa 16/2010/TT-BXD.

c) Truerng hop ben bao dam khong thgc hien hoac thgc hien 'thong dung

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nghia vu &rot thea thuan trong hop deng bao dam Mn den viec phai kir 131 tai san bao dam la cac loaf tai san Ichong thwic trueing hop quy dinh tai diem a va diem b khoan 1 Dieu nay thi tai san bao dam dtrgc xer ly nhu sau:

NIL ben bao dam la nguoi mua tai san trong hop dfing mua ban tai san thi ben nhan bao dam c6 quyen xer ly tai san theo thea thuan trong hop &kg bao dam va quy dinh cua phap luat ve giao dich bao dam. Ben nhan bao dam (trong truong hop nhan chinh tat san bao dam de thay the cho viec thgc hien nghia vu dm ben bao dam) hoac nguoi mua tai san bao dam dugc quyen yeu cau nguoi ban tai san giao tai san theo hop clang mua ban tai san khi tai san do da hinh thanh.

Nguei ban tai san c6 nghia vu giao tai san theo yeu cau cila ben nhan bao

dam hoac nguoi mua tai san bao dam. Khi yeu cau nguoi ban giao tai san, ben nhan ban dam hoac nguoi mua tai san ban dam co trach nhiem xuat trinh hop clang bao darn de cherng minh tai san de da dugc dung de bao dam thgc hien nghia vu dan sty. Viec giao tai san bao dam phai dugc lap thanh hien ban co chit' kY, con dau (neu co) cfia ben nhan bao dam hoac nguoi mua tai san bao dam va nguoi ban tai san.

Truerng hop nguoi ban tai san kitting giao tai san da hinh thanh cho ben

nhan bao dam hoac nguoi mua tai san bao dam thi ben nhan bao dam hoac nguoi mua tai san bao dam co quyen thu gift tai san da hinh thanh theo quy dinh tai Dieu 63 Nghi dinh so 163/2006/ND-CP hoac khbi kiln yeu eau Tea an giai quy'et theo quy dinh &la phap luat.

Neu ben bao dam la ben the tao, san xuat tai san thi ben bao dam co track nhiem chuyen giao tai san da hinh thanh va cac ha so phap ly lien quan den tat san da hinh thanh cho ben nhan bao dam hoac ben mua tai san. Viec giao tai san va ho so phap IY lien quan den tai san giita cac ben phai dugc lap thanh bien ban co char ky, con dau (nail co) cila ben nhan bao dam hoac nguoi mua tai san bao dam va ben bao dam

d) Viec dang ky quyen so him, quyen ltru hanh tai san sau khi tai san hinh thanh &roc thgc hien theo quy dinh cua phap luat va ten co so hop (Icing bao dam ma kheing can co van ban fly quyen eila ben bao dam.

2. Trufing hop ben bao dam Ichfing thvc hien hoac thgc hien kh6ng &mg nghia vu dugc th6a thuan trong hop dfing bao dam Mn den viec phai kir lY teal san bao darn hinh thanh trong tuang lai la cac loaf tai san Ichfing thufic doi tucmg phai dang ky quyen sb him, quyen sir dung, quyen km hanh tai san thi tai san bao darn dirge xir 1Sr nhu salt:

a) Ben nhan bao dam (trong tnreng hop nhan chinh tai san bao dam de thay the cho viec thuc hien nghia vu cfia ben bao dam) hoac nguoi mua tai san

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bao dam duct ser hat san bao dam tai thei diem xtr 19 tai san bao dam, trir truong hop cac ben co thga thuan khac. Hgp clang bao dam va bien ban xtir 19 tai san bao dam (nen co) la giny ta chung minh ben nhen bao dam duge thgc hien cac quyen, giao dich ve tat san.

Dieu 9. Trach nhiem tiy ban nhin din ap xi trong viec thirc hien quyen thu tai sin bio dim cim ngired MI sin bio dim

1. Throe then diem thu gia tayan bao dam it nhat bay (07) ngay lam viec, ngtroi xtr 19 tai sem bao dam co quyen girl van ban th8ng bao ve viec thu gift tai san bao dam den Hy ban nhan clan cap xa nai tien hanh thu gift tat san bao dam.

Van ban thong bao ve viec thu gia tai san dugc gal trgc tiep hoac qua throng buu dien kern theo met (01) ban sao hop clang bao dam hoac van ban thea thuan ve viec xfr 19 tat san bao dam da duce cac ben giao kot hgp phap. Van ban dm ngutd icir 19 tai san bao dam phai nett ro 1Y do xir 19, tiled gian, dia diem xtr 19, ke hoach thu gift tai san va tai san du dinh thu gift

2. Sau khi nhan &roc van ban dm ngtthi xtr 19 tai san bao dam, Hy ban nhan clan cap xa phai kip thai thgc hien cac bien phap quy dinh tai Ichoan 5 Dieu 63 Nghl dinh sa 163/2006/ND-CP va Dieu 30 Nghl dinh sr') 53/2013/ND-CP ngay 18 thong 5 nam 2013 caa Chinh pha va viler thanh lap, t6 chtirc va hog dOng Cting ty Quan 19 tai san caa cac chtic tin dtmg Viet Nam.

Dieu 10. Ban tai sin bao dim kW:Mg qua (tau gia

1. Truang hop ben bao dam va ben nhan bao dam co them thuan va viec ban tai san bao dam khong qua dau gia va khemg co thOa thuen Ichac ve viec xac dinh gia ban tai san thi viec dinh gia ben tai san bao dam duce thuc hiOn nhu sau:

a) Ben nhan bao dam va ben bao dam thria thuan gia ban tai san bao dam bang vAn ban. Trong trurrng hop Ichong thoa thuan dugc gia ban tai san thi ben bao dam c6 quyEn chi dinh ca quan, civic co °him nang thain dinh gia de xac dinh gia ban tai san trong then han mutifi lam (15) ngay, ke tir ngay 'thong thoa thuan dugc gia ban. Sau that han muoi larn.(15) ngay, n6u ben bao dam khong chi dinh ca quan, t8 chtrc co chat nang tham dinh gia thi bon nhan bao dam c6 quyen chi dinh ca quan, th chi:re co chirc nang tharn dinh gia de xac dinh gia ban tai san. Chi phi thu8 ca quan, to chat c6 chi:re nAng tham dinh gia dugc tinh vlo chi phi xis 19 tai san bao dam.

b) Trong throng hgp tai san bao dam Ichong ban dtrgc theo dinh gia ca quan, to elute co chac nang tham dinh gia thi ben nhen bao dam dugc quyOn ha gia ban tai san trong thoi han mutri lam (15) ngay, ke tir ngay lchong ban dugc tat san. Viec ha gia ban tai san thgc hien lien tnc ba (03) lan nhtmg rrthi lan ha gia ban tai san kitting &rot qua murri phan trArn (10%) gia d'a dinh va phai each nhau ft nhat la ba muoi ngay (30) ngay dOi vai bat dOng san va mubi lam (15)

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ngAy del voi di:mg san. Ben nhan bao dam c6 trach nhiem thOng bao cho ben bao dam viec ha gia ban tai san bao dam.

Sau ba (03) Ian lien tyc ha gia ma van kitting ban dirge tai san bao dam thi ben nhan bao dam dugc nhan chinh tai san bao dam de thay the cho viec thuc hien nghia vu theo quy dinh tai Dieu 11 ,cila Thong tu nay. Gia tri san bao dam trong twang hop nay la mire gia cila Ian ha gia cuOi cung, frit truing hop cac ben co them thuan khk.

2. Viec ban tai san bao dam phai dirge thuc hien theo quy dinh cua BQ luat Dan su nam 2005 va cac van ban quy pham phap luat khic c6 lien quan. , Ben nhan bao dam phai thubrig thiet hai neu cb hanh vi trai phap luat, gay thiet hai cho chu so hau tai san, nguiti c6 quyen, lgi ich Ii8n quan den tai san bao dam trong qua trinh ban tai san bao dam.

Dieu 11. Nhen chinh tai san bao dam de thay the cho viec thtyc hien nghia vu ciia ben bao dam

Trong truing hop ben bao dam va ben nhan bao dam c6 th6a thuan ve viec xir 1y tai san bao dam theo phucmg thirc nhan chinh tai san bao dam thay the cho viec thuc hien nghia vu cila ben bao dam thi thuc hien nhu saw

1. Viec xac dinh gia tri cua tai san bao dam dugc thuc hien theo quy dinh tai diem a khoan 1 Dieu 10 dm Thong tu nay.

2. Truing hop tai san bao dam theo quy dinh cua phap luat phai dang kY quyen so ham, guyen ‘sir dung, sau khi xri lY tai san bao dam, b8n nhan bao dam co trach nhiem nep h6 so chuyen quyen set him, quyen sir dung theo quy dinh tai khoan 1 va khoan 2 Dieu 12 dm Thong to nay. Hop ding bao dam hoac van ban thim thuan khac ve viec nhan chinh tai san bao dam de thay the cho viec thuc hien nghia vu caa ben bao dam dirge sir dung thay the cho hop ding, giay to, tai lieu chuyen guyen s& hire, quyen sir dung tai san bao dam.

3. Timing hop tai san bao dam theo quy dinh cua phap 'Mat Ichong phai ding kY quyen so hUu, quyen sir dung, sau khi xir lY tai san bao dam, ben nhan bao dam co guyen sit him doi van tai san do theo quy dinh tai khoan 3 Dieu 12 cua Thong tu nay.

4. Gia tri cua tai san bao dam dirge bn tra vao s6 tien vay, tien lai phat sink tir hop thing tin dung va cac chi phi hop IY khac theo quy dinh cim phap Mat. Ben bao dam dugc nhan se tien con lai sau khi da thanh toan day da nglaa vu cho ben nhan bao dam.

Truing hop gia tri cua tai san bao dam Ichong thanh town gia tri nghia vu thi ben bao dam co trach nhiem !loan tra so tien con thieu cho ben nhan bao dam neu ben bao dam ding theri la ben c6 nghia vu dugc bao dam hoac ben c6 nghia vu throe bao dam phai hoan tra so tien con thieu cho ben nhan bao dam

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neu ben bao dam '<hong deng thoi la ben co nghia duet bao dam, trir tnzerng hop cac ben co thea thuan !chic.

5. Trtrong hop ben nhan bao dam nhan chinh tai san bao dam nhtmg khong thuOc tugng dugc xic lap quyen hitu, quyen sir clang tai san theo quy dinh cua phap luat thi ben bao dam va ben nhan bao dam c6 quyen th6a thuan Iva chon phuong thirc 132 tai san bao dam Ichac da dugc quy dinh tai Dieu 59 Nghi dinh 163/2006/ND-CP. NOi dung thea thuan cac ben c6 the lap thanh van ban rieng hoac ghi trong hop clang bao dam.

Dieu 12. Thfi tnc chuyen quyen so. quyen sir dyng tai sfin sau khi xir IY tai sfin bao dam

I. Ha sa, thil chuyen quyen quyen sir clang tai san bao dam IA quyen sir clang dat, tai san gan lien veri dat sau khi xir 132 dugc thvc hien theo quy dinh phap luat dat dai

2. Khi thtre hien thit tvc chuyen quyen sir dung dat, quyen ser hal tai sari On voi dat quy dinh tai khoan 1 Dieu nay va cac tai san khac thuOc doi thong phai dang Ic31 quyen ser hitu, quy6'n luu hanh tai san theo quy dinh phap luat thi ter chirc, he gia dinh, ca nhan no:5'p hgp clang, giay tO hoac tai lieu chimg minh viec chuyen quyen sor quyen sir dung tai san, tit truang hop nhan chinh tai san bao darn.‘de thay the cho viec thy.° hien nghla vv. dugc bao dam quy dinh tai khoan 2 Dieu 11 dm Thong tu nay.

Trong trubng hop ben bao dam kheng to nguyen kyr hop &mg, giay ter, tai chimg minh viec chuyen quyen quyen sir dvng tai san thi ben nhan

bao dam duct quyen kyr hop &mg, giay to, tai lieu demhtmg trong he sa de nghi chuyen quyen hat, quyen sir dung tai san phai bo sung mot (01) ban chinh hop d8ng bao dam da duce &Mg chimg, chimg thvc theo quy dinh caa phap luat hoac mOt (01) ban sao hop &mg bao dam dirge ty ban nhan clan cap xa cluing thgc, t8 chirc hanh nghe ding chimg cap tix ban chinh hoac van ban,khac chung minh c6 thoa thuartve viec ben nhan bao dam dugc quye'n lc)? hop &Ong, giay ter, tai lieu chuyen quyen ser hien, quyen sir dvng tai san bao dam.

3. Trong torang hop tai san kh8ng thuec d6i tugng dang ciu34n sof han, quyen sir dung theo quy dinh phap luat thi ben mua, b8n nhan chinh tai san c6 quyen tai san theo quy dinh tai khoan 1 Dieu 439 BO luat Dan str nam 2005. Hop &mg bao dam hop phap va bien ban xir tai san bao dam (neu co) la giay ter chi:mg minh viec xac lap quyen sar him tad san dm ben nhan bao dam.

, 4. Trong trubng hop xir 15r tai san hinh thanh trong tucmg lai ma tai thei diem rit 131 tai san do da hinh thanh va thuOc dei tucmg phai clang lc)? quyen han, quyen sir dvng thi nguai mua tai san bao dam niip he) sa chuyen quyen

quyen sir dung tai san theo quy dinh tai khoan 1, khoan 2 Dieu nay va cac quy dinh Ichac c6 lien quan caa phap luat.

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, 5. Viec chuyen quyen sir dung dot, quyen tai san duce that hien clang thin voi viec x6a Bang ky giao dich bao dam nhu sau:

a) Trong truong hop co van ban dang y cna ben nhan bao dam thi ben bao dam co quyen yeu eau cong thing, chimg thuc hop dong , giao dich chuyen quyen so him, quyen sir dung tai san tithe khi x6a dung ky giao dich bao dam dei voi tai san do.

b) H6 so de nghi chinh 13% bien dOng ve ngueri sir dung dot, chu so' hitu tai san bao dam duce Op &ling thin voi h6 sa yeu cau x6a clang ky giao dich bao darn de co: quan co tham quyen dang ky thuc hien viec chinh lY hien gong dOng thai vai x6a clang ky giao dich bao dam theo thu tuc do 014141 quy dinh

6. Trong truang‘hop tai san the chap sau khi duce dAu co thay d6i so voi mo to trong hop dong the chap ma tai san do thuec dien phai dang ky quyen sir dung, quyen sir hitu theo quy dinh oda phap luat thi b8n th8 chap c6 nghia vu thuc hien cac thil We theo quy dinh cua phap luat de xac nhan sv thay doi ve hien trang cua tai san the chap hoac clang ky bien deng tai co quan ,nha nutic cc') tham quyen Sau thai han mudi (10) ngay ke tir ngay tai san the chap c6 sir thay dOi, neu ben the chap Ichong that hien thill tuc )(de nhan skr thay doi ve hien trang hoac dang 14 Hen deng tai co quan nha mere c6 tham quyen thi ben nhan the chap van c6 quyen xix ly tat san the chap va thuc hien thil tuc xac nhan su thay doi hoac clang ky bien deng clang thai voi thir tuc clang er chuyen quyen s quyen sir dung sau khi >dr ly tai san the chap.

7. Khi that hien thu tuc cap lai, cap dai giay dang ky luu hanh phuang den hoac chuyen quyen so hair phuong den giao thong ca t giai dm:mg be, &rang they not dia clang dirge &mg de the chap, Ca quan tham quyen dang ky luu hanh phaang tien t huc hien trao doi, cung cap th6ng tin theo quy dinh tai Thong tu lien tich so 15/2013/TTLT-BTP-BGTVT-BTNMT-BCA ngay 5 thang 11 Vain 2013 ciia BO Tu phap, BO Giao ,thong van tai, BO Tai nguyen va Mei truang, BO Cong an Inning clan viec trao doi, cung cap thong tin ve tai san bao dam gift ca quan clang ky giao dich bao dam voi to chat hanh nghe cong chimg, ca quan thi FILM an dan sir va co quan dang ky quyen so huu , quyen sir dung, quyen luu hanh tai san.

Chuang III DIEU KHOAN THIHANH

Ditu 13. MO hit thi hanh

Thong tu nay co hieu lye thi hanh ke tir ngay 22 thang 7 nam 2014.

Ditu 14. Trach nhiOn thi hanh

1. BO Tu phap, Be Tai nguyen va Mei trueng Ira Ngan hang Nha nu& Viet Nam co trach nhiem to chin thvc hien cac quy dinh tai Thong tu nay.

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KT. BO TRVONG KT. BQ TRVONG BQ TIrPHAP BO TAI NGUYEN VA

. ONG Mtn TRUING IIONG

KT. THONG DOC NGAN HANG

NHA NUtiC VIET NANI HONG DOC

0 Dinh Trung Tyng Nguyen Mynh Hien hanh Binh

2. Chu tich kly ban nhan den can tinh, thanh pho ttuc thuOc Trung ucmg chi ciao kly ban nhdn ddn ode cap, ca quan Cong an va cdc ca quan, tO chitc khac co lien quan trong phdm vi quan 1Sr ana minh tich can phOi h9p, h6 trg ben nhan bao dam thuc hiOn viOc thu gift, kir tai bdo dam va nghiem tan quan triet, thi hanh Thong tu nay.

3. BO Tu phap cO trach nhiem chd tri thee doi, t6ng hop, ki6m tra tinh hinh thuc hiOn Thong tir nay. Trong qua trinh thuc hiOn, nOu c6 kh6 khan, vuong mac, da nghi ca. nhan, tO chitc phan anh thai v6 BO Tu phap, BO Tai nguyen va Moi truang va Ngan hang Nha nuac ViOt Nam dO phai h9p nghien dm, giai quy6t./*

Noi nhan:

- Thn Wong Chiral ph6 (de bao can); - Cac Ph6 Thu Wong Chinh pha (de bao cao); - Van phOng Tning ucmg Dang; - Van phOng Quoc hoi; - Van phOng cha tich ntrac; - Ton. an than dan tai cao; - Vien Kiem sat nhan dan tai cao; - Van phOng Chinh phti; - Cac BO, ca quan ngang BO, ca quan thuOc Chin.h phig - Ca quan Trung ucmg cac doan the; - UBND cac tinh, thenh pha tnrc thuOc Trung trang; - COng Thong tin dien Chinh phn; - Ceng Thong tin dien tfr cOa BTP, BO TN va MT, NHNNVN; - Ging bao;

- Ltru: BO Tu phap (VT, Clic DKQGGDBE)), BO Tai nguyen va Mai truerng (VT, Vp PC), Ngan hang Nha nuac Viet Nam (VT, Vp PC).

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