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Phi sd" dung ddt tdng dot bien tgo gdnh ngng tcu chinh cho doanh nghiep ddu tu.. Thff bai Id gidm d i n s l Iffgng doanh nghiep tham gia thi trffdng tao dieu kien cho cdc tdp do[r]
(1)-?
PHAT TRIEN KINH TE So 254, Thdng Mffdi Hal ndm 2011
NHAN TO CHlNH SACH TAC DQNG L I N GIA NHA DAT d DO TH|
T i N H HUONG V I E T N A M
TS N G U Y I N NGQC VINH'
Gid nhd ddt & thi (GNDCfDT) co y nghia quan trpng vi?c mua nhd & on dinh cugc song cua phdn l&n c^ng dong ddn cii, nhiing thtic te GNDCfDT niidc ta luon tri & miic cao viifft qua khd ndng chi trd ciia dqi da sd' cii ddn thi Do vq.y, nhgn difn chinh xdc nhiing nhdn t6 tdc dqng dMn GNDCfDT ludn Id thdch thUc doi v&i cdc nhd nghian ciiu vd hoqch dinh chinh sdch
Nghien cOu cda tdc gid tqp trung veut vi^c phdn tich nhdn to'chinh sdch tdc dqng len GNDCfDT vd dd nhqn difn rdng: GNDCfDT & nii&c ta tdng cao cd hai nguyen nhdn tnjic tie'p, Id phdt sinh nhiltng bdt cqp vi^c thay doi cdch tinh tien sU dung ddt vd chi phi sit dq.ng von cho d\i dn dau tii viio bdt dqng sdn rat cao Dyta, tren phdn tich nhiing bdt cqp ldm cho GNDCfDT tdng, tdc gid de xuat kien nghi nham thdo gd nhiing vii&ng mac cdc vdn bdn phdp quy, tim gidi phdp gidm GNDCfDT tiem cgn v&i khd ndng chi trd ciia cqng dong, gop phan phdt trien cdng tdc an sinh xd hoi
1. D|t van dl
Nghich ly cho thiy thi trffdng nhd, dd't d nudc ta tff 2008 de'n giai doan tram ldng nhung GNDCfDT vdn tSng, gid cao dd vffgt qua kha ndng chi trd ciia da so cdng dong ddn cff cd nhu ciu ve nhd d nhiftig cd thu nhdp thd'p, bdi todn an sinh xd hdi cua Chinh phu trd nen khd giai quylt
So hdu thing ke cho thd'y thu nhdp binh qudn dau ngffdi/ndm d nffde ta lien tuc tdng tff 722 USD (2006); 1.024 USD (2008); vd 1.200 USD (2010) rieng ndm 2010 tai cdc thdnh ldn nhff Hd Ndi Id 1.950 USD, TP.HCM Id 2.900 USD nhUhg gid nhd, dit ddnh cho ngffdi thu nhdp thip tai cdc dd thi cung tdng vd biln dao ddng tff - 10 trieu dong/m^ dit, 10 12 trieu dong/m^ sdn xdy dffng (ddnh cho cdn hd chung cff) Nhff vdy gid thd'p nhit mdt cdn nhd cd 50 m^ dit hay dien tich sdn xdy diftig cd gid tff 500 trieu dong trd len, nlu tilt kiem dffgc 1/3 thu nhdp hdng ndm thi ngffdi thu nhdp thip chi cd the chi tra cho cdn nhd mo ffde cua minh sdm
nhd't Id sau 25 nam (vdi gia thuyet gid nhd dat va thu nhdp ciia hg thay doi cimg ty le) Viec mua nhd ciia ngffdi thu nhdp thd'p cdng trd nin xa vcii bon thi trffdng bit dgng sdn sdi ddng trd lai Do vdy, nhdn dien ehinh xdc nhffng nhdn to tdc ddng din GNDCfDT ludn Id thdch thffc dli vdi cdc nhd nghien effff vd hoach dinh chinh sdch nhdm tim cdc gidi phdp thue diy thi trffdng ph^t triln vd giai quye't tot ede vin de an sinh xd hoi
2.Ctfsdl^lii#n
Theo quan dilm kinh te hgc, G N D O D T hinh
thdnh tff quan he cung ciu eua ehung tren thi trffdng, md eung ciu thi trffdng chiu tdc ddng boi rd't nhieu nhan to nhff xu hffdng gid cua san phim nhd dit, cdc ehinh sdch ciia co quan qu^ 1^, tdm ly, thu nhip, gid cic yiu to diu vdo, so Iffgng chu the tham gia thi trffdng (Hinh 1) Tai moi thdi dilm eung vd ciu thi trffdng se hinh thdnh mffe gid can bing, nhiAig mgt nhdn t5 ndo dd thay doi se ldm eho eung hodc ciu thi trffdng thay doi din dih hinh thdnh gid cdn b^g mdi
(2)So 254, T h a n g Mffdi Hai ndm 2011
Hinh cho t h i y thay cdc nhdn to xu hffdng gid nhd dat dd thi, chinh sdch, tdm 1^ Id nhffng nhdn to tdc dgng len ca cung l i n ciu tbi trffdng Trong dd nhan to chinh sdch bao gom b i n ndi dung: cbinh sdch thue, chinh sdch tin dung, quy hoach vd thu tuc hdnh chinh deu cdc co quan nhd nffde ban hdnh cdc vdn bdn qudn 1;^ Nhdn t l cbinh sdch vffa ed nhieu ndi dung vffa tdc ddng len cung l i n cau thi trffdng vdy se cd "do nhay" cao tdc ddng len sff binh thdnh GNDCfDT Trong pham vi bdi vil't, tdc gid chi tdp trung vdo viec phdn tich cdc b i t cdp tff chinh sdch thul, tin dimg vd thu tuc hdnh chinh tdc ddng nhff t h i ndo len GNDCfDT d nffde ta?
sffa doi cdng nhdn cdc quyln chuyen doi, chuyen nhffgmg, thffa k l , the chip, cho thue; tff dd thi trffdng dat dai d nffde ta b i t diu cbinh thffc boat ddng Khi Nhd nffde giao d i t cbo cdc to chffc, cd nhdn sff dung on dinh lau ddi, bg cd quyen chuyin nhffgng, chuyin dli muc dich sff dung., thi phdi nop tien sff dung dd't, s l tien ndy dffgc xem Id khodn thu ngan sdch Nhd nffde giao dd't [4] Nhff vdy, ve co sd 1^ luan tien sff dung dat hinh thdnh trdn ndi dung: phl chuyen quyen sff dung dd't vd phl chuyen dli muc dich sff dimg dd't Theo tieu chuan so Quylt dinh so 24/2005 Bd Tdi chinh ban hdnh ngdy 18/4/2005 v l gid tri thi trffdng (market value) ldm
( Cac nhan td tac dpng den cung j
Xu hudng gia nha, da't thj
Tien bo khoa hoc ky thuat xay di^ng Gia cac yeu to dau vao
Chfnh sach Tam ly
So lugng doanh nghiep tham gia thj trUdng
Cac nhdn td'tae dpng d i n c l u
Xu hudng gia Thu nhap cua Tap quan, thj Chi'nh sach Tam ly
nha dan hieu
Quy mo dan so
dat thj cU
Hinh Cac nhan to tac dgng len GNDdDT
3 Cac quy dinh co liin quan difn tien suT dMUg m, gia trj thf tril&ng va gia tr| phi thf trilSrng
Tien sff dung d i t Id so tien md ngffdi dffgc giao d i t phai nop vdo ngdn sdch dffgc Nhd nffde trao quyen sff dung vd chuyen doi muc dich sff dung dat
Dieu 17 Hien phdp sffa doi 1992 cd quy dinh: Dat dai vd edc tdi nguyen quan trgng khde thudc sd hdu todn dan, nhd nffde Id chu sd hffu dai dien vd thing n h i t quan ly Nam 1993, Ludt dat dai
CO sd t h i m dinh gid dffgc hieu nhff sau: Gid tri thi trffdng Id mffc gid the hidn bing tiln giffa ben mua sdn ldng mua vd ben bdn s i n long bdn, giao dich thffc hien dieu kien khdch quan, ddc lap, thi trffdng on dinh vd thdng tin minh bach
Theo tieu chuan so tieu chuin t h i m dinh gid VN tff Quye't dinh 77/2005 Bd Tdi cbinh ban hdnh 1/11/2005 ve gid tri phi thi trffdng (non-market value): Gid tri phi tbi tnfdng Id mffc gid dffgc xdc dinh theo c&n cff khde khdng dffa tren gid tri tbi trffdng hoac dffgc giao dich theo mffc gid khdng phan dnh gia tri thi trffdng
(3)PHAT TRIEN KINH TE
So 254, Thdng Mffdi Hal ndm 2011
Tff day cd tbi bilu rdng, nlu don gid dd't tinh thu tiln sff dimg dit dffgc tinb tbeo gid tri tbi trffdng cd nghia Id don gid dd phdi dffdc tinb tff cdc dff lieu giao dicb tff thj trffdng vd ede giao dicb ndy phdi thffc bi^n dilu ki^n khdch quan, dgc Idp, thdng tin minh bach, tbi trffdng In dinh Nlu don gid dit dffgc tinh theo y kiln chu quan (khdng dya trin cdc giao dich) bay vi cdc ldi ich ridng, tbi ggi Id tbeo gid tri phi tbi trffdng
4 Nhihig h& c^p phiit sinh
Nhvtng bdt cdp li^n quan d^n cdch tinh ti^n sic dung ddt
Vile tinb tiln sff dung dit Nhd nffde giao dit cbo doanh ngbigp cd thu tiln sff dung dd't dffgc quy dinb nhilu vdn ban phdp quy d nffde ta Nlu xet ve quy dinh cdch tinb tiln sff dung dit tbeo khung gid Nhd nffde ban bdnh (gid tri phi thi trffdng) vd theo gid tri thi trffdng thi cdc van bdn dd ban bdnh cd lien quan dffgc cbia ldm hai giai doan:
Trong giai doan tff Nghi dinh 38/2000/ND-CP ban hdnh ngdy 23/08/2000 ve viec thu tien sff dung dit din Thdng tff 117/2004/rT- BTC ban bdnh ngdy 11/12/2004 ve viec hffdng dan tbi bdnh nghi dinh s l 198/2000/ND-CP deu cd quy dinh cdch tinb tien sff dimg dit giong nhau, cu thi nhff Nghi dinh 38, dieu 4, muc cd quy dinh: "Gid dit tinh bing dong VN tren mdt met vudng (dong/m^) tbeo khung gid iiy ban Nhdn dan tinh, thdnh phl tryc thudc trung ffong quy dinh theo khung gid edc loai dd't ciia Chinh pbij" bay Tbdng tff 117, phan B, khoan 2, mue 2.2 cd quy dinh tffOng ty nhff sau: "Trffdng bop giao dd't sff dung on dinh lau ddi thi gid dd't tinb thu tien sff dung dit Id gid dd't d tai thdi dilm giao dd't uy ban Nhdn dan cd'p tmh ban bdnh theo quy dinh eua Chinb phii [10]"
Md binb cdng thffc tinh tiln sff dung dd't theo khung nhd nffde giai doan 1:
IM
(1) Trong dd:
T,^i^,: Tien sff dung dd't
G^/': Gid binb qudn m^ dit d UBND quy dinh
DT,,": Di^n tieh dd't kinh doanh
G'/,'j;: Gid binh qudn m^ dit d din bii thee phl duyOt
DT/'': Di^n tich di't dff dn
Tuy nhiln giai doan bit diu tff Nghi dinb 17/2006/ND-CP ban bdnh ngdy 27/1/2006 vi vi^c sffa dli bii sung m | t s l dilu ciia cdc nghi dinb hffdng din tbi bdnh Ludt dit dai, cho din Tbdng tff 93/201 i n r - B T C ban hanh 29/06/2011 ve vide siJfa doi bo sung Thdng w
1 i7/2004nT-BTC cua Bo Tai chinh hffdng dan dli hdnh Ngbi djnb s6' 198/2000/ND-CP, diu co cung quy dinb mdi cdch tinb tiln sff dung dd't cu tbi nhff dilu 5, mue ciia Nghi dinh 17/2006 vd dilu 1, muc khodn 1.4 vd 1.5 cua Thing tff 93/2011 "Gid dat tinb thu tiln sff dung dit Id gid dit Uy ban Nhdn ddn cip tinh quy dinb Trffdng bdp gid dit Uy ban Nhan dan cd'p tinb quy dinb chua sdt vdi gid chuyen nhiidng quyln sff dimg dd't thffc te tren thi tnidng dieu kien binh thffdng thi tiy ban Nhan ddn cap tinh can cff vdo gid chuyin nhffOng quyen sff dung dd't thffc t l tren thi trffdng de quyet dinh gid dat eu thi cho phu hop"
Md binh cdng thffc tinb tien sff dimg dd't theo gid tri tbi trffdng giai doan
r,,, = G// xor.f" -GlI^xDT/r (2)
Trong dd:
C7,, : Gid binh qudn m" dat d theo thi trffdng
Nhff vdy trffdc ngdy 12/2/2006 (ngdy ND 17/2006 bit diu ed gid tri hieu Iffe) gia dat tinh tiln sff dung dit nhd nffde giao dit di«c tinh tren khung gia Uy ban Nhan dan tinh (thdnh pbd*) ban bdnh tai thdi diem dffgc giao dit, sau thdi dilm tren gid dit tinh tiln sff dung dd't tinh theo gid thi trffdng Tff day da phdt sinh nhOhg bd't bop ly each tinh tien sff dung dit theo quy dinh mdi
Phi sd" dung ddt tdng dot bien tgo gdnh ngng tcu chinh cho doanh nghiep ddu tu
Md hmh (1) vd (2) cho thay sy khde biet cdch tinh Id thay khung gid dit d md Uy ban Nhan din tinh (thdnh phl) quy dinh Gf nhii
(4)P H A T T R I E N K I N H T E
So 254, Thdng Mffdi Hai nam 2011
trffdc day bang gid d i t d tbeo thi trffdng G " Vi trffdc 2006 Gf thffdng tidm cdn vdi gid G^'i', t h i p hom rat nhieu so vdi Gj] vay tiln sff dung d i t la khodn chi chap nhdn doi vdi doanh nghiep diu tff Ne'u tinh nhff quy dinh mdi tbi phi sff dung d i t se Id khoan phl diu vdo tdng t h i m rat ldn, dieu ndy se d i n den bai he luy: huge doanh nghiep se chuyen chi phl dau vdo t r i n vdo gid thdnh san pham vd k i t qua cud'i cung Id GNDCfDT se tdng cao Thff bai Id gidm d i n s l Iffgng doanh nghiep tham gia thi trffdng tao dieu kien cho cdc tdp dodn, cong ty nffde ngodi cd co bdi thdn tinh thi trffdng bat ddng sdn nffde ta
Khong duoc hodn lgi d^n bit cao han miic gid quy dinh
Khi lap phffong dn den bu giai phdng mat bang, doanh nghidp dau tff dy dn ehi dffgc tinb theo mffc gid den bu phe duyet G'/'^ mffc gid ndy thffdng xoay quanh khung gid dd't ndng nghiep dffgc ban hdnh, doanh nghiep dffdi cO che tff giai phdng mat bang phai tra eho ngffdi sff dung dit, mffe gid tiem can vdi gid tri thi trffdng bdi vie't ggi la gia d i t d den bu thyc t l G, tbdng thffdng cao hon r i t nhieu so vdi G^j^ Nhffng tinh tien sff dung d i t khoang chenh lech tren khdng dffOe hodn tra lai
Md hinh cdng thffc tinb chenh lech gid den bii: Y^T,,-iGll-G'f,)DT,, (3)
Trong dd
^ T(., : Tong sd' tiln chenh lech tff tiln den bu dat tbeo cdch tinh mdi
GlJ^ : Don gid m^ dat d binh quan din bu
thffc t l
Ly giai vi cO quan thue khong chip nhan mffe gid den bu thye te? bdi vi so doanh nghiip ke khong tien d i n bii nham giam phl ddng tien sff dung dit Trong thffc te ngffdi nhdn tien den bu ludn hffdng tdi mffe gid thi trffdng tham chl cdn ed tinh den ca yeu td' dy kiln lgi Ieh cua Id dat tffong lai chuyen tff d i t ndng nghiep sang d i t d
Xet tren quan diem ly ludn thi cdch tinh tiln sff dyng d i t mdi khdng hgp ly vi ddng le t i t ea
rr m PI)
f)B •
dai Iffgng hdm phdi dong nhat theo gid tri tbi trffdng bode tbeo gid tri phi thi trffdng Nhffng cdng thffc thi bao glm ca bai, thu tien sff dung dd't thi tinh theo gid tri thi trffdng cdn khiu trff thi tinb theo gid din bii nhd nffde quy dinb cbinb Id gid tri phi tbi trffdng Doanh nghidp se chiu thidt phin chenh lech tien din bu thyc te theo md hinh 3, vi khdng dffgc can trff vdo tiln sff dyng dd't S l tiln chenh lech ndy nhieu hay It phu thugc vdo mffc chenh Idcb giffa gid den bii thffc t l vdi gid den bu phe duydt vd quy md di^n tich dff dn Qua tham khdo thyc te mffc chdnh Idch cd t h i tff 50 90% vd binb ehung doanh nghiep phai tra tren moi don vi didn tieh dd't dy dn gip 1,5 de'n 1,9 lan so vdi gid tri thi trffdng Khi gid tri chenh lech din bu cao dan de'n GNDCfDT cao Id dieu khdng trdnh khdi Vi lgi Ich rieng doanh nghiep diu tff dff dn vdi mdt so cd nhdn chinh quyen dia phffong hoac ban boi thffdng se "bit t a / ' ep ngUdi ddn bi thu hoi d i t nhdn tien den bu theo gid thip, he luy so Iffgt vd tinh chit khilu kien lien quan de'n den bu dat dai ed nguy co ngdy cdng nhieu vd phffc tap bon
Thu phi sit dung ddt tren todn bo dien tich ddt dU dn
Ting dien tich dd't dy dn b i t ddng san bao gom bai phin: p h i n dien tich kinh doanh vd phin dien tieh ddnh cho ting cua dff dn the hien qua cdng thffc:
DT ' =DTr +DT KP -HT (4)
Trong dd:
DT//^ : Dien tieh dd't ddnh cbo ting
Vi vdn ban ludt khdng quy dinh rd dy dn phdt trien nhd d phin diln tich ddnh cbo ting ndo phai ddng vd phin dien tich ndo mien ddng tiln sff dung dit? Do vdy cdc co quan t h u l thing thffdng tinh h i u h i t phan dien tich da't dy dn vdo phl sff dimg dit Md ty le dien tieh d i t ting chilm tff 40% tong cO cau dien tich d i t cua dy dn, viec ddng phl sff dung d i t tren hiu h i t p h i n dien tich t i n g se tang chi phl diu vdo cua doanh nghiep, he luy ldm eho GNDCfDT tdng cao vd khdng khuyen khich doanh nghiep
(5)PHAT TRIEN KINH TE
So 254, Thdng Mffdi Hal nam 2011
danh didn tich cho t i n g nhilu bon gdp p h i n tdng gid tri canh quan, mdi trffdng dd thi
Hodn todn bi dqng k^ hogch tdi chinh
Gid tri thi trffdng dilu kidn binb thffdng la khung gid dffgc tinh thu tiln sff dung dd't, nham xdc dinh gid tri thi trffdng cin phdi t h i m dinh Thi trffdng ludn biln ddng, vdy se lam cho doanh nghiep dau tff dff an bdt ddng sdn hodn todn bi ddng ke hoach tdi chinb, m^t khau rat quan trgng cho sff thdnh cdng cua dff dn
Chi phi sic dung vdn rdt cao
+ Vffdng mdc truyen thd'ng
Thii tuc hdnh chinb la vin de ed tinh "truyin thing" vi dd dffgc de cdp rd't nhilu trdn cdc diln dan, hgi thdo nbung van cd tinb thdi sff eho din ngdy Mac diu cO quan quan ly dd cd nhieu cai thien, nhiAig cO c h l mdt effa van chffa thyc sff thdng thodng viec gidi quye't cdc vffdng mac cho doanh nghiep Thu tuc hdnh chinb rffdm rd, nhieu co quan quan ly vd sff phdn cip qudn ly chffa rd rang, din de'n thdi gian trien khai dff dn keo ddi khoang ndm [2], chi phl sff dung vd'n cdng tdng, kha ndng sinh lgi dy dn cdng thd'p, GNDCfDT se bi day len theo hffdng "bii gid" Id dieu t i t nhien
+ Khd khdn phi truyen thd'ng
Chinh sdch that chat tin dung tdc dgng manh me len thi trffdng b i t ddng san, vd ldi suit vay r i t cao nhu bien la cdc khd khdn "phi truyin thong" khdng nhffng tdc ddng r i t manh len sff tdng GNDCfDT md edn anh hffdng din sy phdt trien cua thi trffdng b i t ddng san, sy ton vong cua nhieu doanh nghiep tham gia tbi trffdng Bdi vi dau tff kinh doanh bd't ddng sdn cin rd't nhieu tien vd phan ldn dffgc sy tdi trg tff he thing ngdn hdng, dieu ndy giai doan bien Id khdng kha thi Ddnh rang chinh sdch on dinh kinh te vT md, kiem che lam phdt Id chii trffong cin thie't vd dung dan tai thdi diem hien tai, nhffng khdng vi the ma cho rang mgi boat ddng lien quan din bd't dgng san la iTnh vyc phi kinh doanh nen ban che cho vay, vi van cd nhffng dff dn td't, khdng nhffng cd lgi cho doanh nghiep md cho cd cdng dong vd giup Nhd nffde gdp p h i n eai thien ting, giao thdng, mdi trffdng, canh quan vd an sinh xd bdi
Dff dn b i t d | n g sdn thffdng sff dung vd'n ddi ban (trdn ndm) nhffng khodn ng cu dffgc ngdn hdng qud'c doanh dilu ehinh ldi suit len din 20 23% ndm nlu ngodi qud'c doanh: 23 -27% [6] ldm chi phl sff dung vd'n tdng r i t cao Va doanh nghicp sd chuyin chi phl trin vdo gia thdnh sdn p h i m h i luy Id GNDCfDT tdng cao
N h i m minh hga v l sy tdng chi phi sff diing vd'n tbij tuc hdnh ehinh kdo ddi vd chi phi sif dung vd'n eao Tdc gid xdy dffng bang tinh cho khodn vay cd gid tri d i n g vdi cdc ldi suit vay khde nhau, nhff thffc t l giai doan hi$n nay: 19%, 20%,21% vd 22% ndm thi s l tiln phdi trd cbo khodn vay dd vdo cuoi mli ndm tff ndm thff din ndm thff cd k i t qua Hinh
3 2.5 2 1.5 1 0.5
• 19% • 20% 0 % 0 22%
Nam 0 1 1 1 1 Nam 1 1.19 1 1 21 1 22 Nam 2 1 42 1 44 1 46 1.49 Nam 3 1 1 73 1.77 1 82 Nam 4 2 01 2 07 2 14 2 2
Nam 5
2 2 2.59 2
•
• 19% • 20% 0 % 022%
Hinh Tfnh so tien phdi trd cho khodn vay la dong trong nam vdi cac lai suat tff 19 - 22%nam
Ngudn: S l lieu tinh toan cua tac gid theo ham lai kep
Hinh cho thiy: vdi ldi s u i t dao ddng tff 19 -22% ndm sau ndm ngffdi vay phai tra eho ben cho vay s l tiln ldi tff 69% de'n 82% tren vln goc, nlu sau ndm thi tiln ldi phai tra tdng len til 101% den 1227r, sau ndm thi tien ldi phai tra tff 139% den 170% Cd nghia r i n g neu hdm vay 100 ty dong vdi ldi s u i t 20% ndm tbi sau ndm phai tra eho ben vay so tien: 207 ty dong (bao gom 100 ty dong vd'n gd'e vd 107 ty dong tien ldi) sau ndm phai tra 249 ty dong (bao gom 100 ty dong vd'n gd'e vd 149 ty dong tien lai) Ddy Id chi so ddng quan ngai, tdc ddng rat manh de'n sy tdng GNDCfDT nffde ta giai doan qua ed nguyen nhdn tff ldi suit vay cao vd sff adhi tat khdu thu tue hdnh ehinh
(6)P H A T T R I E N K I N H T E
So 254, Thdng Mffdi Hal ndm 2011
5 Kirn nghj
Theo quan diem eua tdc gia; Nhd nffde nen tinh tiln sff dung dat theo cdng thffc tffe Id theo khung gid Uy ban Nhan dan tinh (thdnh phd) ban hdnh hdng ndm, nhffng khung gid dd't se cd Id trinh dilu chinh tiem cdn vdi gid tri thi trffdng (tff 70% 80% ) vd CO dinh ndm Dilu ndy se phu hgp vdi co sd ly ludn cdch tinh vi dong n h i t tinh theo gid tri phi thi trffdng, eo quan t h u l d l ddng tdc nghidp, h i so khdng bi deh tie chd t h i m dinh, ban che tilu eye khdu t h i m dinh vd tdi t h i m dinh, giup cho cdc doanh nghiep diu tff nffde gidm ehi phl diu vdo, vd doanh nghidp ed the chu ddng ke hoach tdi chinh cho dy an dieu kien khd khdn v l tin dung nhff hien
Chung ta nen cd quy dinh rd rdng hon v l phan dien tich ddnh eho t i n g ndo cin ddng tiln sff dimg vd phan nao miln thu, nham khiQren khich cho doanh nghiep tang p h i n dien tieh ting, canh quan, giao thdng cho dff dn gdp phan tdn tao canh quan mdi trffdng dd thi
Nen quy dinh cu t h i Unh vffc ndo cd the tie'p cdn nguIn tin dung giai doan bidn nhdm tri nguIn vd'n bo trg sy phdt trien ciia thi trffdng
Cin tilp tuc thuc diy cdi cdch thu tuc hdnh chinh, rd sodt nhffng quy dinh ching chdo b i t lgi cho cdc chu t h i tham gia thi trffdng nhim nit ngin thdi gian ldm thu tuc phl duyet dff dn gdp phdn gidm chi phl vd'n diu tff
Tdm lai, GNDCfDT nffde ta r i t cao cd nguyen nhdn tryc tilp tff vide tinh tien sff dung dit cdn nhilu bd't cdp, chi phi sff dung vln tdng cao ldi suit vay r i t cao vd thu tuc hdnh chinh rffdm rd T i t ed ede yeu t l ndy diu sy quan ly nhd nffde, ne'u chinh sdch dffa chffa phu hgp thi cin phai dilu chinh, n h i m gd roi cho cdc doanh nghidp, cho thi trffdng mang lai lgi Ich chung cho cgng dong, gdp phan xdy dyng thi trffdng bat dgng san ngdy cdng on dinh vd phdt trien hon tao dieu kien cho GNDCfDT cd gid tri thyc cua nd theo quy luat cua tbi trffdng chff khdng bi bdp meo tff nhffng chinb sdch chffa phu hgpB
TAI LIEU THAM KHAO
1 Nguyen Ngpc Vinh & Nguyin Quynh Hoa, (2011), Gido trinh tham dmh gid tri bit ddng sin, trang 37-38; 42-47 2 Nguyen Ngpc Vinh (2010), Thj trUdng tiit ddng sin thdnh Ho chl Minh - ThUc Uang vd giii phap phat triin, de tai nghien cdu khoa hpc
3 Cac website: Bp Tai chi'nh www.mof.gov.vn; Bp Tai nguyen moi tnidng www.monre.gov.vn; Bp Xay dgng: www.moc.gov.vn; Cong thong tin ngan hang www.laisuat.vn/Pages/NewsDetail.aspx?news=928; www.cafef.vn; Chfnh phu www.chinhphu.vn
www.mof.gov.vn; www.monre.gov.vn; www.moc.gov.vn; www.laisuat.vn/Pages/NewsDetail.aspx?news=928; www.cafef.vn; www.chinhphu.vn