{"id":126026,"date":"2026-10-28T12:26:20","date_gmt":"2026-10-28T05:26:20","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=126026"},"modified":"2026-10-28T12:26:20","modified_gmt":"2026-10-28T05:26:20","slug":"lai-suat-dieu-hanh-lai-suat-co-ban-la-gi","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/","title":{"rendered":"L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 g\u00ec? M\u1ee9c hi\u1ec7n h\u00e0nh v\u00e0 t\u00e1c \u0111\u1ed9ng"},"content":{"rendered":"<p><strong>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh<\/strong> l\u00e0 c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1 \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7, g\u1ed3m l\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n, l\u00e3i su\u1ea5t t\u00e1i chi\u1ebft kh\u1ea5u v\u00e0 l\u00e3i su\u1ea5t cho vay qua \u0111\u00eam trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng. Theo Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 19\/6\/2023, c\u00e1c m\u1ee9c n\u00e0y l\u00e0 4,5%\/n\u0103m, 3,0%\/n\u0103m v\u00e0 5,0%\/n\u0103m. C\u00f2n <strong>l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n<\/strong> l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m kh\u00e1c: m\u1ee9c l\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc t\u1eebng c\u00f4ng b\u1ed1 l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh, theo c\u00e1c ngu\u1ed3n m\u00ecnh tra \u0111\u01b0\u1ee3c th\u00ec l\u1ea7n c\u00f4ng b\u1ed1 g\u1ea7n nh\u1ea5t l\u00e0 9%\/n\u0103m. B\u00e0i n\u00e0y gi\u1ea3i th\u00edch t\u1eebng lo\u1ea1i v\u00e0 v\u00ec sao ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m n\u00ean bi\u1ebft \u0111\u1ebfn ch\u00fang.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_dieu_hanh_la_gi\" >L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 g\u00ec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Cac_loai_lai_suat_dieu_hanh_va_muc_hien_hanh\" >C\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u00e0 m\u1ee9c hi\u1ec7n h\u00e0nh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_dieu_hanh_tac_dong_the_nao_den_lai_suat_tiet_kiem\" >L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh t\u00e1c \u0111\u1ed9ng th\u1ebf n\u00e0o \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_co_ban_la_gi\" >L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 g\u00ec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Phan_biet_lai_suat_dieu_hanh_lien_ngan_hang_va_lai_suat_tiet_kiem\" >Ph\u00e2n bi\u1ec7t l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, li\u00ean ng\u00e2n h\u00e0ng v\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Cau_hoi_thuong_gap\" >C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_dieu_hanh_hien_nay_la_bao_nhieu\" >L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh hi\u1ec7n nay l\u00e0 bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_dieu_hanh_giam_thi_lai_suat_tiet_kiem_co_giam_khong\" >L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh gi\u1ea3m th\u00ec l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 gi\u1ea3m kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_co_ban_co_con_dung_khong\" >L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00f3 c\u00f2n d\u00f9ng kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Lai_suat_tai_cap_von_la_gi\" >L\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n l\u00e0 g\u00ec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/lai-suat-dieu-hanh-lai-suat-co-ban-la-gi\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_dieu_hanh_la_gi\"><\/span>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 g\u00ec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng tr\u1ef1c ti\u1ebfp quy\u1ebft \u0111\u1ecbnh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m b\u1ea1n nh\u1eadn \u1edf t\u1eebng ng\u00e2n h\u00e0ng, nh\u01b0ng \u0111i\u1ec1u h\u00e0nh m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t b\u1eb1ng m\u1ed9t b\u1ed9 l\u00e3i su\u1ea5t tham chi\u1ebfu g\u1ecdi l\u00e0 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh. \u0110\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u00e1p d\u1ee5ng khi cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vay ho\u1eb7c t\u00e1i chi\u1ebft kh\u1ea5u gi\u1ea5y t\u1edd c\u00f3 gi\u00e1, n\u00ean n\u00f3 \u0111\u1eb7t ra chi ph\u00ed v\u1ed1n c\u01a1 b\u1ea3n c\u1ee7a c\u1ea3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_loai_lai_suat_dieu_hanh_va_muc_hien_hanh\"><\/span>C\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh v\u00e0 m\u1ee9c hi\u1ec7n h\u00e0nh<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>Lo\u1ea1i<\/th>\n<th>L\u00e0 g\u00ec<\/th>\n<th>M\u1ee9c theo Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n<\/td>\n<td>L\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vay c\u00f3 b\u1ea3o \u0111\u1ea3m khi c\u1ea7n b\u1ed5 sung v\u1ed1n<\/td>\n<td>4,5%\/n\u0103m<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t t\u00e1i chi\u1ebft kh\u1ea5u<\/td>\n<td>L\u00e3i su\u1ea5t khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc mua l\u1ea1i c\u00f3 k\u1ef3 h\u1ea1n c\u00e1c gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 chi\u1ebft kh\u1ea5u<\/td>\n<td>3,0%\/n\u0103m<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t cho vay qua \u0111\u00eam trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng v\u00e0 cho vay b\u00f9 \u0111\u1eafp thi\u1ebfu h\u1ee5t v\u1ed1n trong thanh to\u00e1n b\u00f9 tr\u1eeb<\/td>\n<td>L\u00e3i su\u1ea5t khi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng thi\u1ebfu ti\u1ec1n thanh to\u00e1n trong ng\u00e0y v\u00e0 vay Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc qua \u0111\u00eam<\/td>\n<td>5,0%\/n\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>C\u00e1c m\u1ee9c tr\u00ean \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN ban h\u00e0nh ng\u00e0y 16\/6\/2023, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 19\/6\/2023, thay cho m\u1ee9c tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 5,0%, 3,5% v\u00e0 5,5%\/n\u0103m. \u0110\u1ee3t gi\u1ea3m n\u00e0y n\u1eb1m trong chu\u1ed7i \u0111i\u1ec1u ch\u1ec9nh n\u0103m 2023, xem l\u1ea1i tin <a href=\"https:\/\/infina.vn\/blog\/ngan-hang-nha-nuoc-quyet-dinh-ha-lai-suat-dieu-hanh-lan-thu-4-giam-05-diem-tu-ngay-19-6\/\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc h\u1ea1 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u1ea7n th\u1ee9 4<\/a> v\u00e0 ph\u00e2n t\u00edch <a href=\"https:\/\/infina.vn\/blog\/vi-sao-nhnn-ha-lai-suat-dieu-hanh-4-lan-nhung-tang-truong-tin-dung-van-thap\/\">v\u00ec sao h\u1ea1 l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh 4 l\u1ea7n nh\u01b0ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1eabn th\u1ea5p<\/a>. \u1ede th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i (28\/10\/2026), m\u00ecnh ch\u01b0a tra \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh m\u1edbi thay th\u1ebf c\u00e1c m\u1ee9c n\u00e0y, b\u1ea1n n\u00ean ki\u1ec3m tra tr\u00ean website Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tr\u01b0\u1edbc khi d\u00f9ng cho m\u1ee5c \u0111\u00edch ph\u00e1p l\u00fd hay kinh doanh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_dieu_hanh_tac_dong_the_nao_den_lai_suat_tiet_kiem\"><\/span>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh t\u00e1c \u0111\u1ed9ng th\u1ebf n\u00e0o \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Chi ph\u00ed v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng:<\/strong> l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh gi\u1ea3m th\u00ec chi ph\u00ed vay v\u1ed1n t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc gi\u1ea3m, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho ng\u00e2n h\u00e0ng h\u1ea1 l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u00e0 cho vay.<\/li>\n<li><strong>L\u00e3i su\u1ea5t li\u00ean ng\u00e2n h\u00e0ng:<\/strong> l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 khung tham chi\u1ebfu cho th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng (xem <a href=\"https:\/\/infina.vn\/blog\/lai-suat-qua-dem-lai-suat-lien-ngan-hang-la-gi\/\">l\u00e3i su\u1ea5t li\u00ean ng\u00e2n h\u00e0ng l\u00e0 g\u00ec<\/a>), v\u00e0 t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ecbnh gi\u00e1 ti\u1ec1n g\u1eedi.<\/li>\n<li><strong>T\u00edn hi\u1ec7u ch\u00ednh s\u00e1ch:<\/strong> vi\u1ec7c gi\u1ea3m hay gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh cho th\u1ecb tr\u01b0\u1eddng bi\u1ebft h\u01b0\u1edbng \u0111i\u1ec1u h\u00e0nh, v\u00ed d\u1ee5 \u01b0u ti\u00ean h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng hay ki\u1ec1m ch\u1ebf l\u1ea1m ph\u00e1t.<\/li>\n<\/ol>\n<p>Tuy v\u1eady l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh kh\u00f4ng ph\u1ea3i y\u1ebfu t\u1ed1 duy nh\u1ea5t. L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f2n ch\u1ecbu t\u00e1c \u0111\u1ed9ng c\u1ee7a nhu c\u1ea7u t\u00edn d\u1ee5ng, l\u1ea1m ph\u00e1t v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, nh\u01b0 \u0111\u1ee3t y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u1eeb th\u00e1ng 10\/2026, xem b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/vi-sao-ngan-hang-tang-giam-lai-suat\/\">v\u00ec sao ng\u00e2n h\u00e0ng t\u0103ng, gi\u1ea3m l\u00e3i su\u1ea5t<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_co_ban_la_gi\"><\/span>L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 g\u00ec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t d\u00f9ng l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t kinh doanh (cho vay v\u00e0 huy \u0111\u1ed9ng) b\u1eb1ng \u0111\u1ed3ng Vi\u1ec7t Nam. Theo b\u00e1o <a href=\"https:\/\/baoangiang.com.vn\/bat-mi-ve-lai-suat-co-ban-cua-ngan-hang-nha-nuoc-a379902.html\" target=\"_blank\" rel=\"noopener\">An Giang<\/a>, c\u00e1c m\u1ed1c ch\u00ednh l\u00e0:<\/p>\n<ul>\n<li><strong>2\/8\/2000:<\/strong> l\u1ea7n \u0111\u1ea7u c\u00f4ng b\u1ed1 \u1edf m\u1ee9c 8%\/n\u0103m, theo Quy\u1ebft \u0111\u1ecbnh 242\/2000\/Q\u0110-NHNN.<\/li>\n<li><strong>Th\u00e1ng 6\/2008:<\/strong> t\u0103ng l\u00ean 14%\/n\u0103m, m\u1ee9c cao nh\u1ea5t, theo Quy\u1ebft \u0111\u1ecbnh 1317\/Q\u0110-NHNN.<\/li>\n<li><strong>27\/10\/2010:<\/strong> gi\u1ea3m xu\u1ed1ng 8%\/n\u0103m, theo Quy\u1ebft \u0111\u1ecbnh 2561\/Q\u0110-NHNN.<\/li>\n<li><strong>29\/11\/2010:<\/strong> t\u0103ng l\u00ean 9%\/n\u0103m, theo Quy\u1ebft \u0111\u1ecbnh 2868\/Q\u0110-NHNN. Theo c\u00e1c ngu\u1ed3n m\u00ecnh tra \u0111\u01b0\u1ee3c, \u0111\u00e2y l\u00e0 m\u1ee9c c\u00f4ng b\u1ed1 g\u1ea7n nh\u1ea5t.<\/li>\n<\/ul>\n<p>Ng\u00e0y nay Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111i\u1ec1u h\u00e0nh ch\u1ee7 y\u1ebfu b\u1eb1ng c\u00e1c l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh n\u00eau tr\u00ean, v\u00e0 ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n g\u1eb7p l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n khi xem b\u1ea3ng l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng. N\u1ebfu c\u1ea7n x\u00e1c nh\u1eadn hi\u1ec7u l\u1ef1c c\u1ee7a l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n v\u00e0o m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3, h\u00e3y tra v\u0103n b\u1ea3n g\u1ed1c tr\u00ean C\u00f4ng b\u00e1o ho\u1eb7c website Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Phan_biet_lai_suat_dieu_hanh_lien_ngan_hang_va_lai_suat_tiet_kiem\"><\/span>Ph\u00e2n bi\u1ec7t l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh, li\u00ean ng\u00e2n h\u00e0ng v\u00e0 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>Lo\u1ea1i<\/th>\n<th>Ai \u0111\u1eb7t ra<\/th>\n<th>\u00c1p d\u1ee5ng cho ai<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh<\/td>\n<td>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f4ng b\u1ed1<\/td>\n<td>Giao d\u1ecbch gi\u1eefa Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t li\u00ean ng\u00e2n h\u00e0ng<\/td>\n<td>H\u00ecnh th\u00e0nh theo cung c\u1ea7u gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng<\/td>\n<td>C\u00e1c ng\u00e2n h\u00e0ng cho nhau vay<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/td>\n<td>T\u1eebng ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft, trong khung quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/td>\n<td>Kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n, xem \u1edf <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">b\u1ea3ng so s\u00e1nh l\u00e3i su\u1ea5t<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Lai_suat_dieu_hanh_hien_nay_la_bao_nhieu\"><\/span>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh hi\u1ec7n nay l\u00e0 bao nhi\u00eau?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 19\/6\/2023: t\u00e1i c\u1ea5p v\u1ed1n 4,5%\/n\u0103m, t\u00e1i chi\u1ebft kh\u1ea5u 3,0%\/n\u0103m, cho vay qua \u0111\u00eam trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng 5,0%\/n\u0103m. H\u00e3y ki\u1ec3m tra th\u00eam tr\u00ean website Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc xem c\u00f3 quy\u1ebft \u0111\u1ecbnh \u0111i\u1ec1u ch\u1ec9nh m\u1edbi kh\u00f4ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_suat_dieu_hanh_giam_thi_lai_suat_tiet_kiem_co_giam_khong\"><\/span>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh gi\u1ea3m th\u00ec l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 gi\u1ea3m kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u01b0\u1eddng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m gi\u1ea3m, nh\u01b0ng kh\u00f4ng ph\u1ea3i ngay l\u1eadp t\u1ee9c v\u00e0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f2n ph\u1ee5 thu\u1ed9c thanh kho\u1ea3n, nhu c\u1ea7u t\u00edn d\u1ee5ng v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_suat_co_ban_co_con_dung_khong\"><\/span>L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u00f3 c\u00f2n d\u00f9ng kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 c\u00f4ng c\u1ee5 t\u1eebng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc d\u00f9ng l\u00e0m c\u01a1 s\u1edf \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t, nh\u01b0ng hi\u1ec7n nay vi\u1ec7c \u0111i\u1ec1u h\u00e0nh ch\u1ee7 y\u1ebfu qua l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh. M\u1ee9c c\u00f4ng b\u1ed1 g\u1ea7n nh\u1ea5t m\u00ecnh tra \u0111\u01b0\u1ee3c l\u00e0 9%\/n\u0103m t\u1eeb 29\/11\/2010.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_suat_tai_cap_von_la_gi\"><\/span>L\u00e3i su\u1ea5t t\u00e1i c\u1ea5p v\u1ed1n l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L\u00e0 l\u00e3i su\u1ea5t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng vay c\u00f3 b\u1ea3o \u0111\u1ea3m khi ng\u00e2n h\u00e0ng c\u1ea7n b\u1ed5 sung v\u1ed1n, hi\u1ec7n l\u00e0 4,5%\/n\u0103m theo Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 b\u1ed9 m\u1ee9c l\u00e3i su\u1ea5t tham chi\u1ebfu c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (t\u00e1i c\u1ea5p v\u1ed1n 4,5%, t\u00e1i chi\u1ebft kh\u1ea5u 3,0%, cho vay qua \u0111\u00eam trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng 5,0% theo quy\u1ebft \u0111\u1ecbnh hi\u1ec7n m\u00ecnh tra \u0111\u01b0\u1ee3c), c\u00f2n l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 kh\u00e1i ni\u1ec7m c\u0169 d\u00f9ng l\u00e0m c\u01a1 s\u1edf \u1ea5n \u0111\u1ecbnh l\u00e3i su\u1ea5t. Hi\u1ec3u hai kh\u00e1i ni\u1ec7m n\u00e0y gi\u00fap b\u1ea1n \u0111\u1ecdc tin t\u1ee9c ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 bi\u1ebft v\u00ec sao l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m thay \u0111\u1ed5i. C\u00e1c m\u1ee9c n\u00eau trong b\u00e0i ch\u1ec9 c\u00f3 t\u00ednh tham kh\u1ea3o, h\u00e3y \u0111\u1ed1i chi\u1ebfu v\u1edbi v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 g\u00ec, g\u1ed3m nh\u1eefng lo\u1ea1i n\u00e0o v\u00e0 m\u1ee9c hi\u1ec7n h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh 1123\/Q\u0110-NHNN; l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n kh\u00e1c g\u00ec v\u00e0 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m.<\/p>\n","protected":false},"author":17,"featured_media":126027,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[1368,1367,1369,1370],"class_list":{"0":"post-126026","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang","8":"tag-lai-suat-co-ban","9":"tag-lai-suat-dieu-hanh","10":"tag-lai-suat-tai-cap-von","11":"tag-ngan-hang-nha-nuoc"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/126026","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=126026"}],"version-history":[{"count":1,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/126026\/revisions"}],"predecessor-version":[{"id":126028,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/126026\/revisions\/126028"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/126027"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=126026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=126026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=126026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}