L\u1ea7n \u0111\u1ea7u ti\u00ean, h\u1ec7 th\u1ed1ng nh\u00e0 \u1edf c\u1ee7a Hoa K\u1ef3 \u0111ang chu\u1ea9n b\u1ecb \u0111\u1ec3 c\u00f4ng nh\u1eadn Bitcoin<\/strong> nh\u01b0 m\u1ed9t t\u00e0i s\u1ea3n th\u1ef1c s\u1ef1 khi b\u1ea1n n\u1ed9p \u0111\u01a1n xin vay th\u1ebf ch\u1ea5p, m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i b\u00e1n n\u00f3 tr\u01b0\u1edbc. S\u1ef1 thay \u0111\u1ed5i n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb ch\u1ec9 th\u1ecb c\u1ee7a Gi\u00e1m \u0111\u1ed1c C\u01a1 quan T\u00e0i ch\u00ednh Nh\u00e0 \u1edf Li\u00ean bang, William Pulte<\/strong>, ng\u01b0\u1eddi \u0111\u00e3 ra l\u1ec7nh cho Fannie Mae<\/strong> v\u00e0 Freddie Mac<\/strong>, c\u00e1c doanh nghi\u1ec7p \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 b\u1ea3o tr\u1ee3 \u0111\u1ea3m b\u1ea3o ph\u1ea7n l\u1edbn trong s\u1ed1 kho\u1ea3ng 51 tri\u1ec7u kho\u1ea3n vay th\u1ebf ch\u1ea5p c\u1ee7a M\u1ef9, chu\u1ea9n b\u1ecb c\u00e1c \u0111\u1ec1 xu\u1ea5t \u0111\u1ec3 coi ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00e0 m\u1ed9t t\u00e0i s\u1ea3n trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro th\u1ebf ch\u1ea5p cho nh\u00e0 \u1edf \u0111\u01a1n l\u1ebb. C\u1ee5m t\u1eeb quan tr\u1ecdng l\u00e0 “kh\u00f4ng c\u1ea7n chuy\u1ec3n \u0111\u1ed5i sang \u0111\u00f4 la M\u1ef9.”<\/p>\n Tr\u01b0\u1edbc \u0111\u00e2y, m\u1ed9t ng\u01b0\u1eddi vay c\u00f3 m\u1ed9t tr\u0103m ng\u00e0n \u0111\u00f4 la trong Bitcoin ph\u1ea3i thanh l\u00fd n\u00f3, d\u1eabn \u0111\u1ebfn m\u1ed9t s\u1ef1 ki\u1ec7n ch\u1ecbu thu\u1ebf v\u00e0 t\u1eeb b\u1ecf ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 trong t\u01b0\u01a1ng lai, tr\u01b0\u1edbc khi m\u1ed9t ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 t\u00ednh m\u1ed9t xu n\u00e0o t\u1eeb n\u00f3. Theo khung m\u1edbi \u0111ang \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0o n\u0103m 2026, c\u00e1c t\u00e0i s\u1ea3n ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh c\u00f3 th\u1ec3 c\u1ee7ng c\u1ed1 \u0111\u01a1n xin th\u1ebf ch\u1ea5p trong khi ng\u01b0\u1eddi vay gi\u1eef l\u1ea1i c\u00e1c \u0111\u1ed3ng ti\u1ec1n. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t kho\u1ea3nh kh\u1eafc c\u00e1ch m\u1ea1ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 m\u00e3i m\u00e3i.<\/p>\n “Ch\u1ec9 th\u1ecb y\u00eau c\u1ea7u m\u1ed7i doanh nghi\u1ec7p chu\u1ea9n b\u1ecb m\u1ed9t \u0111\u1ec1 xu\u1ea5t \u0111\u1ec3 xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 m\u1ed9t t\u00e0i s\u1ea3n cho d\u1ef1 tr\u1eef trong c\u00e1c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro kho\u1ea3n vay th\u1ebf ch\u1ea5p nh\u00e0 \u1edf \u0111\u01a1n l\u1ebb c\u1ee7a h\u1ecd, m\u00e0 kh\u00f4ng c\u1ea7n chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00f3 sang \u0111\u00f4 la M\u1ef9.”<\/p>\n<\/blockquote>\n \u00dd ngh\u0129a b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c Fannie Mae<\/strong> v\u00e0 Freddie Mac<\/strong> l\u00e0 ai. Hai doanh nghi\u1ec7p \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 b\u1ea3o tr\u1ee3 n\u00e0y kh\u00f4ng cho vay tr\u1ef1c ti\u1ebfp cho ng\u01b0\u1eddi mua nh\u00e0. Thay v\u00e0o \u0111\u00f3, h\u1ecd mua c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p t\u1eeb nh\u1eefng ng\u01b0\u1eddi cho vay \u0111\u00e3 ph\u00e1t h\u00e0nh ch\u00fang, g\u1ed9p nh\u1eefng kho\u1ea3n vay \u0111\u00f3 th\u00e0nh ch\u1ee9ng kho\u00e1n v\u00e0 \u0111\u1ea3m b\u1ea3o thanh to\u00e1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0, \u0111i\u1ec1u n\u00e0y cung c\u1ea5p t\u00ednh thanh kho\u1ea3n gi\u00fap th\u1ecb tr\u01b0\u1eddng th\u1ebf ch\u1ea5p ho\u1ea1t \u0111\u1ed9ng.<\/p>\n B\u1edfi v\u00ec h\u1ecd \u0111\u1ea3m b\u1ea3o ph\u1ea7n l\u1edbn c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p c\u1ee7a M\u1ef9, c\u00e1c quy t\u1eafc th\u1ea9m \u0111\u1ecbnh c\u1ee7a h\u1ecd th\u1ef1c s\u1ef1 thi\u1ebft l\u1eadp ti\u00eau chu\u1ea9n cho nh\u1eefng g\u00ec to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng th\u1ebf ch\u1ea5p th\u00f4ng th\u01b0\u1eddng s\u1ebd ch\u1ea5p nh\u1eadn. Khi Fannie v\u00e0 Freddie thay \u0111\u1ed5i nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c coi l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, c\u00e1c nh\u00e0 cho vay tr\u00ean to\u00e0n qu\u1ed1c s\u1ebd theo sau.<\/p>\n Khung m\u1edbi thay \u0111\u1ed5i ch\u00ednh x\u00e1c \u0111i\u1ec1u n\u00e0y. Theo ch\u1ec9 th\u1ecb, c\u00e1c t\u00e0i s\u1ea3n ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 d\u1ef1 tr\u1eef m\u00e0 kh\u00f4ng c\u1ea7n chuy\u1ec3n \u0111\u1ed5i sang \u0111\u00f4 la. Ng\u01b0\u1eddi vay gi\u1eef l\u1ea1i c\u00e1c \u0111\u1ed3ng ti\u1ec1n, tr\u00e1nh vi\u1ec7c b\u00e1n ch\u1ecbu thu\u1ebf, gi\u1eef l\u1ea1i ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 v\u00e0 v\u1eabn \u0111\u01b0\u1ee3c ghi nh\u1eadn cho c\u00e1c t\u00e0i s\u1ea3n trong t\u00ednh to\u00e1n th\u1ea9m \u0111\u1ecbnh.<\/p>\n C\u00e1c \u0111i\u1ec1u ki\u1ec7n g\u1eafn li\u1ec1n v\u1edbi vi\u1ec7c ti\u1ec1n \u0111i\u1ec7n t\u1eed n\u00e0o \u0111\u01b0\u1ee3c t\u00ednh bao g\u1ed3m:<\/p>\n T\u00f3m l\u1ea1i, l\u1ec7nh n\u00e0y c\u00f3 \u00fd ngh\u0129a, nh\u01b0ng \u00fd ngh\u0129a c\u1ee7a n\u00f3 \u0111\u01b0\u1ee3c hi\u1ec3u t\u1ed1t nh\u1ea5t b\u1eb1ng c\u00e1ch t\u00e1ch bi\u1ec7t nh\u1eefng g\u00ec n\u00f3 th\u1ef1c hi\u1ec7n v\u1edbi nh\u1eefng g\u00ec ti\u00eau \u0111\u1ec1 g\u1ee3i \u00fd. Nh\u1eefng g\u00ec n\u00f3 th\u1ef1c hi\u1ec7n, m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3: n\u00f3 thi\u1ebft l\u1eadp l\u1ea7n \u0111\u1ea7u ti\u00ean r\u1eb1ng h\u1ec7 th\u1ed1ng th\u1ebf ch\u1ea5p th\u00f4ng th\u01b0\u1eddng c\u1ee7a Hoa K\u1ef3 s\u1ebd c\u00f4ng nh\u1eadn ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n h\u1ee3p ph\u00e1p trong th\u1ea9m \u0111\u1ecbnh, \u0111\u01b0\u1ee3c t\u00ednh m\u00e0 kh\u00f4ng bu\u1ed9c ph\u1ea3i b\u00e1n.<\/p>\n \u0110\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi n\u1eafm gi\u1eef ti\u1ec1n \u0111i\u1ec7n t\u1eed n\u1ed9p \u0111\u01a1n xin vay th\u1ebf ch\u1ea5p, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u00e1c kho\u1ea3n n\u1eafm gi\u1eef tr\u00ean m\u1ed9t s\u00e0n giao d\u1ecbch \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 c\u1ee7ng c\u1ed1 v\u1ecb tr\u00ed d\u1ef1 tr\u1eef v\u00e0 h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh t\u1ed5ng th\u1ec3, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf v\u00e0 m\u1ea5t ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 do vi\u1ec7c thanh l\u00fd.<\/p>\n C\u00e1nh c\u1eeda \u0111ang m\u1edf ra. N\u00f3 ch\u1ec9 m\u1edf ra v\u1edbi t\u1ed1c \u0111\u1ed9 \u0111\u01b0\u1ee3c \u0111o l\u01b0\u1eddng m\u00e0 ph\u1ea7n b\u1ea3o th\u1ee7 nh\u1ea5t c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh lu\u00f4n di chuy\u1ec3n, v\u00e0 vi\u1ec7c n\u00f3 m\u1edf ra l\u00e0 c\u00e2u chuy\u1ec7n th\u1ef1c s\u1ef1.<\/p>\n","protected":false},"excerpt":{"rendered":" Bitcoin v\u00e0 H\u1ec7 Th\u1ed1ng Nh\u00e0 \u1ede Hoa K\u1ef3 L\u1ea7n \u0111\u1ea7u ti\u00ean, h\u1ec7 th\u1ed1ng nh\u00e0 \u1edf c\u1ee7a Hoa K\u1ef3 \u0111ang chu\u1ea9n b\u1ecb \u0111\u1ec3 c\u00f4ng nh\u1eadn Bitcoin nh\u01b0 m\u1ed9t t\u00e0i s\u1ea3n th\u1ef1c s\u1ef1 khi b\u1ea1n n\u1ed9p \u0111\u01a1n xin vay th\u1ebf ch\u1ea5p, m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i b\u00e1n n\u00f3 tr\u01b0\u1edbc. S\u1ef1 thay \u0111\u1ed5i n\u00e0…<\/p>\n","protected":false},"author":3,"featured_media":20027,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,48],"tags":[4225,4226,4303,9437,9475,9438,4217,4204,12142],"class_list":["post-20028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-legal","tag-bitcoin","tag-coinbase","tag-donald-trump","tag-fannie-mae","tag-federal-housing-finance-agency","tag-freddie-mac","tag-legal","tag-usa","tag-william-pulte"],"yoast_head":"\nThay \u0110\u1ed5i Quy T\u1eafc Th\u1ea9m \u0110\u1ecbnh<\/h2>\n
\n
\u00dd Ngh\u0129a C\u1ee7a Fannie Mae v\u00e0 Freddie Mac<\/h2>\n
Khung M\u1edbi v\u00e0 C\u00e1c \u0110i\u1ec1u Ki\u1ec7n<\/h2>\n
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K\u1ebft Lu\u1eadn<\/h2>\n