{"id":1627,"date":"2024-02-22T11:38:40","date_gmt":"2024-02-22T04:38:40","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=1627"},"modified":"2024-02-22T11:42:37","modified_gmt":"2024-02-22T04:42:37","slug":"mien-lai-the-tin-dung","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/mien-lai-the-tin-dung\/","title":{"rendered":"Ng\u00e2n H\u00e0ng S\u1ed1ng Th\u1ebf N\u00e0o Khi Mi\u1ec5n L\u00e3i Th\u1ebb T\u00edn D\u1ee5ng 45 Ng\u00e0y V\u00e0 T\u1eb7ng Nhi\u1ec1u \u01afu \u0110\u00e3i Cho Ng\u01b0\u1eddi D\u00f9ng?"},"content":{"rendered":"

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng ch\u00e0o m\u1eddi kh\u00e1ch h\u00e0ng m\u1edf th\u1ebb t\u00edn d\u1ee5ng v\u1edbi nhi\u1ec1u \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn, \u0111\u01b0\u1ee3c mi\u1ec5n l\u00e3i su\u1ea5t trong 45 ng\u00e0y, c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i mua s\u1eafm tr\u1ea3 g\u00f3p l\u00e3i su\u1ea5t 0%, ho\u00e0n l\u1ea1i ti\u1ec1n khi m\u1edf th\u1ebb t\u00edn d\u1ee5ng<\/a>…V\u1eady, ng\u00e2n h\u00e0ng s\u1ebd thu l\u1ee3i nhu\u1eadn t\u1eeb \u0111\u00e2u \u0111\u1ec3 s\u1ed1ng khi \u00e1p d\u1ee5ng nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i nh\u01b0 v\u1eady? H\u00e3y c\u00f9ng tham kh\u1ea3o th\u00f4ng tin chi ti\u1ebft trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/span><\/i><\/p>\n

>> Th\u1ebb t\u00edn d\u1ee5ng l\u00e0 g\u00ec? ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 th\u1ebb t\u00edn d\u1ee5ng<\/a><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng thu l\u1ee3i nhu\u1eadn t\u1eeb \u0111\u00e2u khi ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng?<\/span><\/h2>\n

Khi ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng cho kh\u00e1ch h\u00e0ng, s\u1ebd c\u00f3 2 tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra khi s\u1eed d\u1ee5ng th\u1ebb:<\/span><\/p>\n

\"Mi\u1ec5n<\/p>\n

Lu\u00f4n thanh to\u00e1n n\u1ee3 t\u00edn d\u1ee5ng \u0111\u00fang h\u1ea1n<\/span><\/h3>\n

Gi\u1ea3 s\u1eed, b\u1ea1n l\u00e0 ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 th\u1ebb t\u00edn d\u1ee5ng v\u00e0 d\u00f9ng th\u1ebb \u0111\u1ec3 mua s\u1eafm h\u1ebft 100.000 \u0111\u1ed3ng. \u0110\u1ebfn cu\u1ed1i th\u00e1ng, ng\u00e2n h\u00e0ng g\u1eedi sao k\u00ea, b\u1ea1n l\u1eadp t\u1ee9c thanh to\u00e1n 100.000 \u0111\u1ed3ng \u0111\u00e3 thanh to\u00e1n tr\u01b0\u1edbc \u0111\u00f3. Ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 th\u00eam chi ph\u00ed n\u00e0o. V\u1eady, ng\u00e2n h\u00e0ng s\u1ebd l\u00e3i t\u1eeb \u0111\u00e2u \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i hay t\u00edch \u0111i\u1ec3m \u0111\u1ec3 nh\u1eadn qu\u00e0?<\/span><\/p>\n

Th\u1eafc m\u1eafc n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c l\u00fd gi\u1ea3i nh\u01b0 sau:\u00a0<\/strong><\/p>\n

M\u1ed7i m\u1ed9t l\u1ea7n b\u1ea1n th\u1ef1c hi\u1ec7n giao d\u1ecbch, mua s\u1eafm b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng. Ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfn h\u00e0nh thu ph\u00ed c\u1ee7a \u0111\u01a1n b\u1ecb b\u00e1n h\u00e0ng. Chi ph\u00ed n\u00e0y chi\u1ebfm kho\u1ea3ng 1.5 – 2%\/ m\u1ed9t l\u1ea7n giao d\u1ecbch thanh to\u00e1n.<\/span><\/p>\n

Hi\u1ec3u \u0111\u01a1n gi\u1ea3n h\u01a1n. N\u1ebfu nh\u01b0 b\u1ea1n mua s\u1eafm th\u00f4ng qua th\u1ebb t\u00edn d\u1ee5ng h\u1ebft 10 tri\u1ec7u \u0111\u1ed3ng. Ng\u00e2n h\u00e0ng s\u1ebd phu ph\u00fa b\u00ean b\u00e1n h\u00e0ng t\u1eeb 150.00 – 200.000 \u0111\u1ed3ng ti\u1ec1n ph\u00ed. S\u1ed1 ph\u00ed thu v\u1ec1 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n chia cho h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i, \u0111\u01a1n v\u1ecb ph\u00e1t h\u00e0nh th\u1ebb\u2026<\/span><\/p>\n

Nh\u01b0 v\u1eady, d\u00f9 b\u1ea1n kh\u00f4ng t\u1ed1n chi ph\u00ed khi thanh to\u00e1n n\u1ee3 t\u00edn d\u1ee5ng \u0111\u1ea7y \u0111\u1ee7, th\u00ec c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb c\u0169ng \u0111\u1ec1u c\u00f3 \u0111\u01b0\u1ee3c 1 kho\u1ea3n chi ph\u00ed thu \u0111\u01b0\u1ee3c t\u1eeb \u0111\u01a1n v\u1ecb b\u00e1n h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua th\u1ebb t\u00edn d\u1ee5ng.<\/span><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, thu nh\u1eadp ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ebfn t\u1eeb vi\u1ec7c thu ph\u00ed th\u1ebb t\u00edn d\u1ee5ng. V\u1eady n\u00ean, b\u1ea1n c\u0169ng kh\u00f4ng c\u1ea7n ph\u1ea3i lo l\u1eafng cho ng\u00e2n h\u00e0ng n\u1ebfu b\u1ea1n nghi\u00eam t\u00fac tr\u1ea3 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u00fang th\u1eddi h\u1ea1n.<\/span><\/p>\n

Tuy v\u1eady, s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng d\u00f9ng bao nhi\u00eau tr\u1ea3 \u0111\u1ee7 b\u1ea5y nhi\u00eau ch\u1ec9 chi\u1ebfm kho\u1ea3ng 25 – 35% l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng m\u1edf th\u1ebb. V\u00e0 c\u00f3 \u0111\u1ebfn 45% s\u1ed1 ng\u01b0\u1eddi m\u1edf th\u1ebb t\u00edn d\u1ee5ng nh\u01b0ng ch\u1ec9 thanh to\u00e1n \u0111\u01b0\u1ee3c 1 ph\u1ea7n, c\u00f2n l\u1ea1i l\u00e0 n\u1ee3 t\u00edn d\u1ee5ng qu\u00e1 h\u1ea1n v\u00e0 b\u1ecb t\u00ednh ph\u00ed ph\u1ea1t v\u00e0 l\u00e3i su\u1ea5t cao.<\/span><\/p>\n

Kh\u00e1ch h\u00e0ng ch\u1ec9 c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 \u0111\u01b0\u1ee3c 1 ph\u1ea7n n\u1ee3 trong sao k\u00ea<\/span><\/h3>\n

\"tr\u1ea3<\/p>\n

theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea cho th\u1ea5y, c\u00f3 \u0111\u1ebfn 45% s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, ch\u1ec9 thanh to\u00e1n \u0111\u01b0\u1ee3c 1 ph\u1ea7n ti\u1ec1n n\u1ee3. \u0110\u1ed1i v\u1edbi t\u00ecnh hu\u1ed1ng n\u00e0y, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng ph\u1ea3i g\u00e1nh l\u00e3i su\u1ea5t t\u1eeb 23 – 30%\/n\u0103m cho kho\u1ea3n ti\u1ec1n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng ch\u01b0a thanh to\u00e1n.\u00a0<\/span><\/p>\n

Vi\u1ec7c kh\u00e1ch h\u00e0ng kh\u00f4ng thanh to\u00e1n k\u1ecbp s\u1ed1 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng l\u00e0 mong mu\u1ed1n c\u1ee7a kh\u00e1 nhi\u1ec1u ng\u00e2n h\u00e0ng, b\u1edfi l\u00fac n\u00e0y, s\u1ed1 l\u1ee3i nhu\u1eadn m\u00e0 h\u1ecd ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng n\u00e0y l\u00e0 r\u1ea5t cao. Cao g\u1ea7n g\u1ea5p \u0111\u00f4i so v\u1edbi l\u00e3i su\u1ea5t cho vay b\u00ecnh th\u01b0\u1eddng.<\/span><\/p>\n

Tuy nhi\u00ean, m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c \u0111\u1eb7t ra ti\u1ebfp \u1edf \u0111\u00e2y ch\u00ednh l\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o, l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111ang tr\u1ea3 ch\u1eadm th\u1ebb t\u00edn d\u1ee5ng s\u1ebd thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 s\u1ed1 ti\u1ec1n n\u1ee3? L\u00e0m sao \u0111\u1ec3 kh\u00e1ch h\u00e0ng kh\u00f4ng b\u00f9ng lu\u00f4n kho\u1ea3n n\u1ee3?<\/span><\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf t\u1ed1t \u0111a t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng b\u00f9ng n\u1ee3 kh\u00f4ng tr\u1ea3. C\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n y\u00eau c\u1ea7u h\u1ed3 s\u01a1 \u0111\u1ec3 ph\u00e1t h\u00e0nh th\u1ebb bao g\u1ed3m r\u1ea5t nhi\u1ec1u th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi m\u1edf th\u1ebb, th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a ng\u01b0\u1eddi th\u00e2n v\u00e0 c\u0169ng d\u1ef1 tr\u00f9 tr\u01b0\u1edbc kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi m\u1edf th\u1ebb.<\/span><\/p>\n

M\u1ed9t s\u1ed1 th\u00f4ng tin ng\u00e2n h\u00e0ng m\u1edf th\u1ebb th\u01b0\u1eddng y\u00eau c\u1ea7u \u1edf kh\u00e1ch h\u00e0ng bao g\u1ed3m:<\/strong><\/p>\n