Trả lời:
Theo quy định tại khoản 3 Điều 3 Nghị định số 21/2021/NĐ-CP ngày 19/3/2021 của Chính phủ quy định thi hành Bộ luật Dân sự về bảo đảm thực hiện nghĩa vụ, người có nghĩa vụ được bảo đảm là người mà nghĩa vụ của họ được bảo đảm thực hiện thông qua biện pháp bảo đảm. Người có nghĩa vụ được bảo đảm có thể đồng thời hoặc không đồng thời là bên bảo đảm.
Như vậy, quy định pháp luật cho phép người có nghĩa vụ bảo đảm (Chị Hiền) không đồng thời là bên thế chấp (bố mẹ chị Hiền). Do đó, tổ chức tín dụng, chi nhánh ngân hàng nước ngoài căn cứ quy định pháp luật về bảo đảm thực hiện nghĩa vụ, quy định pháp luật có liên quan và quy định nội bộ để xem xét quyết định việc nhận tài sản thuộc sở hữu của bên thứ ba làm tài sản thế chấp cho khoản vay.
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