L\u00e3i su\u1ea5t g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m t\u1ea1o ngu\u1ed3n thu th\u1ee5 \u0111\u1ed9ng<\/figcaption><\/figure>\nTuy nhi\u00ean kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng c\u00f3 d\u1ecbch v\u1ee5 g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n, n\u1ebfu c\u00f3 th\u00ec l\u00e3i su\u1ea5t c\u0169ng kh\u00f4ng cao, ch\u1ec9 giao \u0111\u1ed9ng \u1edf m\u1ee9c 0,2 %. C\u00e1c ng\u00e2n h\u00e0ng v\u1eabn khuy\u1ebfn kh\u00edch b\u1ea1n l\u1ef1a ch\u1ecdn g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n v\u1edbi th\u1eddi gian g\u1eedi cao \u0111\u1ec3 nh\u1eadn l\u00e3i su\u1ea5t cao.<\/span><\/p>\nTheo th\u1ed1ng k\u1ebf t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho th\u1ea5y, l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n theo th\u00e1ng th\u01b0\u1eddng trong m\u1ee9c t\u1eeb 2,5 – 4%, n\u1eeda n\u0103m t\u1eeb 4 – 6.5%, 1 n\u0103m t\u1eeb 4,5 – 7%.<\/span><\/p>\nC\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng<\/h2>\n
Kh\u00e1c v\u1edbi<\/span> c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng theo d\u1ea1ng g\u1eedi ti\u1ebft ki\u1ec7m, d\u1ecbch v\u1ee5 vay v\u1ed1n \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd, v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c t\u00ednh l\u00e3i kh\u00e1c nhau. \u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n th\u00ec \u0111i\u1ec1u \u0111\u1ea7u ti\u00ean h\u00e3y c\u00f9ng xem c\u00f3 c\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng n\u00e0o \u0111ang ph\u1ed5 bi\u1ebfn nh\u1ea5t hi\u1ec7n nay.<\/span><\/p>\nC\u00e1c lo\u1ea1i l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng<\/h3>\n
Sau khi b\u1ea1n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n m\u00ecnh c\u1ea7n ph\u1ea3i vay th\u00ec \u0111i\u1ec1u quan tr\u1ecdng ti\u1ebfp theo ch\u00ednh l\u00e0 l\u1ef1a ch\u1ecdn lo\u1ea1i l\u00e3i su\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh tr\u1ea1ng c\u00e1 nh\u00e2n \u0111\u1ec3 c\u00f3 th\u1ec3 chi tr\u1ea3 \u0111\u00fang y\u00eau c\u1ea7u. Theo \u0111\u00f3, c\u1ee5 th\u1ec3 c\u00f3 3 lo\u1ea1i l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn hi\u1ec7n nay nh\u01b0 sau:<\/span><\/p>\n\n- L\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh: <\/b>H\u00ecnh th\u1ee9c n\u00e0y s\u1ebd cho m\u1ee9c l\u00e3i su\u1ea5t c\u00e1c th\u00e1ng l\u00e0 nh\u01b0 nhau trong th\u1eddi h\u1ea1n vay, s\u1ebd kh\u00f4ng c\u00f3 nh\u1eefng bi\u1ebfn \u0111\u1ed9ng gi\u00fap b\u1ea1n tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro v\u1ec1 l\u00e3i su\u1ea5t. \u0110\u1ed3ng th\u1eddi n\u1eafm r\u00f5 s\u1ed1 ti\u1ec1n l\u00e3i h\u00e0ng th\u00e1ng m\u00ecnh s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e0 bao nhi\u00eau.<\/span><\/li>\n
- L\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i: <\/b>H\u00ecnh th\u1ee9c n\u00e0y b\u1ea1n s\u1ebd ch\u1ecbu m\u1ee9c l\u00e3i su\u1ea5t theo c\u00e1c thay \u0111\u1ed5i c\u1ee7a ng\u00e2n h\u00e0ng trong t\u1eebng th\u1eddi k\u1ef3. Th\u00f4ng th\u01b0\u1eddng n\u00f3 s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng c\u1ee7a: chi ph\u00ed v\u1ed1n + bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh ( ho\u1eb7c bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t thay \u0111\u1ed5i). C\u00e1ch t\u00ednh n\u00e0y s\u1ebd gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n ban \u0111\u1ea7u nh\u01b0ng c\u0169ng c\u00f3 nhi\u1ec1u r\u1ee7i ro n\u1ebfu b\u1ea1n vay d\u00e0i h\u1ea1n.<\/span><\/li>\n
- L\u00e3i su\u1ea5t h\u1ed7n h\u1ee3p: <\/b>H\u00ecnh th\u1ee9c n\u00e0y l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh v\u00e0 l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i, kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo t\u1eebng th\u1eddi gian c\u1ee5 th\u1ec3 v\u00e0 tu\u00e2n th\u1ee7 \u0111\u00fang nh\u1eefng th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng.\u00a0<\/span><\/li>\n<\/ul>\n