{"id":3453,"date":"2022-06-27T12:54:00","date_gmt":"2022-06-27T05:54:00","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3453"},"modified":"2022-11-02T23:18:59","modified_gmt":"2022-11-02T16:18:59","slug":"vay-ngan-hang-mua-nha-tra-gop-2-cach-tinh-tien-vay-va-tinh-lai-suat-thuc","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/vay-ngan-hang-mua-nha-tra-gop-2-cach-tinh-tien-vay-va-tinh-lai-suat-thuc\/","title":{"rendered":"Vay ng\u00e2n h\u00e0ng mua nh\u00e0 tr\u1ea3 g\u00f3p: 2 c\u00e1ch t\u00ednh ti\u1ec1n vay v\u00e0 t\u00ednh l\u00e3i su\u1ea5t th\u1ef1c"},"content":{"rendered":"

Li\u00ean quan \u0111\u1ebfn vi\u1ec7c mua nh\u00e0, th\u00ec ngo\u00e0i th\u1eafc m\u1eafc n\u00ean mua nh\u00e0 hay thu\u00ea nh\u00e0, th\u00ec th\u1eafc m\u1eafc th\u1ee9 hai l\u00e0 v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i vay mua nh\u00e0, c\u00e1ch t\u00ednh ti\u1ec1n tr\u1ea3 g\u00f3p. <\/span><\/strong><\/h2>\n
\n

B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch hai c\u00e1ch tr\u1ea3 ti\u1ec1n vay, v\u00e0 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t th\u1ef1c c\u1ee7a vay tr\u1ea3 g\u00f3p ng\u00e2n h\u00e0ng.<\/p>\n<\/blockquote>\n

\n

Gi\u1ea3 s\u1eed l\u00e3i su\u1ea5t th\u00e1ng l\u00e0 1%. Khi \u0111\u00f3 ng\u00e2n h\u00e0ng hay n\u00f3i l\u00e3i su\u1ea5t n\u0103m l\u00e0 12%. Th\u1eadt ra, 12% l\u00e0 l\u00e3i su\u1ea5t danh ngh\u0129a ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e3i su\u1ea5t th\u1ef1c. \u1ede \u0111\u00e2y kh\u00e1ch h\u00e0ng tr\u1ea3 ti\u1ec1n theo th\u00e1ng, n\u00ean khi t\u00ednh l\u00e3i su\u1ea5t th\u1ef1c theo n\u0103m, ch\u00fang ta ph\u1ea3i d\u00f9ng c\u00f4ng th\u1ee9c:
\nLS n\u0103m = ((1+LS th\u00e1ng)^12)-1
\nTrong tr\u01b0\u1eddng h\u1ee3p, l\u00e3i su\u1ea5t th\u00e1ng l\u00e0 1% th\u00ec l\u00e3i su\u1ea5t th\u1ef1c h\u00e0ng n\u0103m s\u1ebd l\u00e0 = ((1+1%)^12)-1 = 12.68%
\nGi\u1ea3 s\u1eed s\u1ed1 ti\u1ec1n vay l\u00e0 3 t\u1ef7, v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t th\u00e1ng 1%, tr\u1ea3 g\u00f3p trong 20 n\u0103m t\u1ee9c 240 th\u00e1ng. Sau \u0111\u00e2y l\u00e0 2 c\u00e1ch tr\u1ea3 l\u00e3i m\u00e0 ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng.<\/p>\n

** C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay mua nh\u00e0 tr\u1ea3 g\u00f3p 1: T\u00ednh theo ki\u1ec3u th\u00f4ng th\u01b0\u1eddng: Tr\u1ea3 ti\u1ec1n vay g\u1ed1c \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng th\u00e1ng v\u00e0 tr\u1ea3 l\u00e3i theo d\u1ef1 n\u1ee3 gi\u1ea3m d\u1ea7n.<\/strong><\/span><\/h3>\n

Theo c\u00e1ch n\u00e0y, ng\u01b0\u1eddi ta chia s\u1ed1 ti\u1ec1n g\u1ed1c 3 t\u1ef7 ra l\u00e0m 240 l\u1ea7n, s\u1ebd b\u1eb1ng = 3,000,000,000 \/ 240 = 12,500,000 VN\u0110.
\nNh\u01b0 v\u1eady, h\u00e0ng th\u00e1ng ng\u01b0\u1eddi vay s\u1ebd tr\u1ea3 l\u1ea1i ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n 12,500,000 VN\u0110 n\u00e0y, tr\u1ea3 240 th\u00e1ng th\u00ec h\u1ebft ti\u1ec1n g\u1ed1c.
\nNgo\u00e0i ra, ng\u01b0\u1eddi vay c\u00f2n ph\u1ea3i tr\u1ea3 ti\u1ec1n l\u00e3i ph\u00e1t sinh t\u1eeb ti\u1ec1n vay m\u00e0 ch\u00fang ta c\u00f2n g\u1ecdi l\u00e0 d\u01b0 n\u1ee3.
\nC\u1ee5 th\u1ec3 nh\u01b0 sau: (xem th\u00eam h\u00ecnh minh h\u1ecda)
\n– Th\u00e1ng 1: D\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 3,000,000,000 VN\u0110 s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*3,000,000,000 = 30,000,000 VN\u0110
\nV\u1eady ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n = 12,500,000 + 30,000,000 = 42, 500,000 VN\u0110
\nTh\u00e1ng 2: D\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 2,987,500,000 ( = 3,000,000,000 – 12,500,000. D\u01b0 n\u1ee3 n\u00e0y s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*2,987,500,000 = 29,875,000 VN\u0110
\nV\u1eady ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n = 12,500,000 + 29,875,000 = 42,375,000 VN\u0110
\nTh\u00e1ng 3: D\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 2,975,000,000 ( = 2,987,500,000 tr\u1eeb \u0111i 12,500,000). D\u01b0 n\u1ee3 n\u00e0y s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*2.9750,000 ,000= 29,750,000 VN\u0110
\nV\u1eady ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 ng\u00e2n h\u00e0ng s\u1ed1 ti\u1ec1n = 12,500,000 + 29,750,000 = 42,250,000 VN\u0110
\nT\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, ch\u00fang ta t\u00ednh \u0111\u01b0\u1ee3c ti\u1ec1n ph\u1ea3i tr\u1ea3 trong c\u00e1c th\u00e1ng nh\u01b0 sau:
\nTh\u00e1ng 4 = 42,125,000
\nTh\u00e1ng 5 = 42,000,000
\nTh\u00e1ng 6 = 41,875,000
\nTh\u00e1ng 238 = 12,875,000
\nTh\u00e1ng 239 = 12,750,000
\nTh\u00e1ng 240 = 12,625,000
\nTheo c\u00e1ch 1 n\u00e0y, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 ban \u0111\u1ea7u l\u00e0 kh\u00e1 l\u1edbn (th\u00e1ng 1: 43, 500,000 VN\u0110, th\u00e1ng 2: 42,375,000 VN\u0110, th\u00e1ng 3: 42,250,000 VN\u0110\u2026. v\u00e0 gi\u1ea3m d\u1ea7n \u0111\u1ebfn 12,625,000 VN\u0110 v\u00e0o th\u00e1ng 240.
\nVi\u1ec7c tr\u1ea3 s\u1ed1 ti\u1ec1n l\u1edbn ngay t\u1eeb nh\u1eefng th\u00e1ng \u0111\u1ea7u ti\u00ean s\u1ebd l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a ng\u01b0\u1eddi vay. H\u1ecd \u0111ang kh\u00f3 kh\u0103n ph\u1ea3i vay ti\u1ec1n, m\u00e0 h\u00e0ng th\u00e1ng ph\u1ea3i tr\u1ea3 s\u1ed1 ti\u1ec1n l\u1edbn. \u0110i\u1ec1u ngh\u1ecbch l\u00fd l\u00e0, trong t\u01b0\u01a1ng lai, 5 n\u0103m sau, 10 n\u0103m sau thu nh\u1eadp h\u1ecd cao h\u01a1n nh\u01b0ng s\u1ed1 ti\u1ec1n m\u00e0 h\u1ecd ph\u1ea3i tr\u1ea3 th\u00ec nh\u1ecf \u0111i.
\nV\u00ec th\u1ebf ng\u00e2n h\u00e0ng m\u1edbi \u00e1p d\u1ee5ng ph\u01b0\u01a1ng c\u00e1ch 2 \u0111\u00f3 l\u00e0 l\u00e0m cho cho s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng c\u1ee7a kh\u00e1ch h\u00e0ng b\u1eb1ng nhau.<\/p>\n

** C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay mua nh\u00e0 tr\u1ea3 g\u00f3p 2: Ng\u01b0\u1eddi vay tr\u1ea3 cho ng\u00e2n h\u00e0ng m\u1ed9t s\u1ed1 ti\u1ec1n \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng th\u00e1ng, trong su\u1ed1t 240 th\u00e1ng. (S\u1ed1 ti\u1ec1n n\u00e0y bao g\u1ed3m ti\u1ec1n vay v\u00e0 ti\u1ec1n l\u00e3i ph\u00e1t sinh).<\/strong><\/span><\/h3>\n

C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t nh\u01b0 sau:
\nGi\u1ea3 s\u1eed g\u1ecdi s\u1ed1 ti\u1ec1n tr\u1ea3 \u0111\u1ec1u h\u00e0ng th\u00e1ng n\u00e0y l\u00e0 s\u1ed1 ti\u1ec1n X n\u00e0o \u0111\u00f3
\nTr\u00ean Excel ch\u00fang ta \u0111\u1eb7t c\u00e1c d\u00f2ng ti\u1ec1n tr\u00ean 241 h\u00e0ng, v\u00e0 1 c\u1ed9t.
\nH\u00e0ng 0 = 2,000,000,000 t\u1ef7.
\nH\u00e0ng 1 cho \u0111\u1ebfn h\u00e0ng 240 = -X
\nCh\u00fang ta s\u1eed d\u1ee5ng h\u00e0m IRR \u0111\u1ec3 t\u00ednh l\u00e3i su\u1ea5t th\u00e1ng c\u1ee7a to\u00e0n b\u1ed9 d\u00f2ng ti\u1ec1n n\u00e0y = IRR(d\u00f2ng ti\u1ec1n). D\u00f9ng h\u00e0m Goal Seek c\u1ee7a Excel, v\u1edbi gi\u1ea3 thi\u1ebft k\u1ebft qu\u1ea3 l\u00e3i su\u1ea5t th\u00e1ng c\u1ee7a d\u00f2ng ti\u1ec1n n\u00e0y b\u1eb1ng 1%, ch\u00fang ta s\u1ebd t\u00ednh \u0111\u01b0\u1ee3c X = 33,032,584 VN\u0110.
\nNh\u01b0 v\u1eady m\u1ed7i th\u00e1ng ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 s\u1ed1 ti\u1ec1n 33,032,584 VN\u0110. S\u1ed1 ti\u1ec1n n\u00e0y nh\u1ecf h\u01a1n s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 trong nh\u1eefng th\u00e1ng \u0111\u1ea7u ti\u00ean c\u1ee7a c\u00e1ch 1.
\nCh\u00fang ta c\u00f3 d\u00f2ng ti\u1ec1n nh\u01b0 sau:
\nTh\u00e1ng 1:
\nD\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 3,000,000,000 VN\u0110 s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*3,000,000,000 = 30,000,000 VN\u0110
\nNg\u01b0\u1eddi vay tr\u1ea3 t\u1ed5ng c\u1ed9ng: 33,032,584 VN\u0110, trong \u0111\u00f3 c\u00f3 l\u00e3i vay 30,000,000 VN\u0110 v\u00e0 n\u1ee3 g\u1ed1c 3,032,584 ( = 33,032,584 – 30,000,000)
\nTh\u00e1ng 2:
\nD\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 2,996,967,416 ( = 3,000,000,000 – 3,032,584). D\u01b0 n\u1ee3 n\u00e0y s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*2,996,967,416 = 29,969,674 VN\u0110
\nNg\u01b0\u1eddi vay tr\u1ea3 t\u1ed5ng c\u1ed9ng: 33,032,584 VN\u0110, trong \u0111\u00f3 c\u00f3 l\u00e3i vay 29,969,674 VN\u0110 v\u00e0 n\u1ee3 g\u1ed1c 3,062,910(= 33,032,584 – 29,969,674)
\nTh\u00e1ng 3:
\nD\u01b0 n\u1ee3 \u0111\u1ea7u th\u00e1ng l\u00e0 2,993,904,506 ( = 2,996,967,416 – 3,062,910). D\u01b0 n\u1ee3 n\u00e0y s\u1ebd ph\u00e1t sinh l\u00e3i l\u00e0 = 1%*2,993,904,506 = 29,939,045 VN\u0110
\nNg\u01b0\u1eddi vay tr\u1ea3 t\u1ed5ng c\u1ed9ng: 33,032,584 VN\u0110, trong \u0111\u00f3 c\u00f3 l\u00e3i vay 29,939,045 VN\u0110 v\u00e0 n\u1ee3 g\u1ed1c 3,093,539 ( = 33,032,584 – 29,939,045)
\nC\u1ee9 nh\u01b0 v\u1eady h\u00e0ng th\u00e1ng ng\u01b0\u1eddi vay s\u1ebd tr\u1ea3 33,032,584 VN\u0110 cho \u0111\u1ebfn khi h\u1ebft n\u1ee3 v\u00e0o cu\u1ed1i th\u00e1ng 240.
\nV\u1edbi c\u00e1ch t\u00ednh s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng th\u00e1ng nh\u01b0 v\u1eady, ng\u00e2n h\u00e0ng \u0111\u00e3 g\u00e1nh th\u00eam r\u1ee7i ro v\u00ec d\u01b0 n\u1ee3 g\u1ed1c gi\u1ea3m ch\u1eadm. Nh\u01b0ng ng\u01b0\u1eddi vay s\u1ebd thu\u1eadn l\u1ee3i h\u01a1n trong vi\u1ec7c tr\u1ea3 l\u00e3i.<\/p>\n

\"B\u1ea3ng<\/p>\n

** C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t th\u1ef1c c\u1ee7a vay tr\u1ea3 g\u00f3p.<\/span><\/strong><\/h3>\n

Tr\u00ean \u0111\u00e2y, l\u00e0 c\u00e1ch t\u00ednh ra s\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3. B\u00e2y gi\u1edd t\u00f4i h\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t th\u1ef1c c\u1ee7a vay tr\u1ea3 g\u00f3p.
\nGi\u1ea3 s\u1eed m\u1ed9t ng\u00e2n h\u00e0ng minh h\u1ecda: s\u1ed1 ti\u1ec1n vay l\u00e0 2,500,000,000, v\u00e0 s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p \u0111\u1ec1u \u0111\u1eb7n trong 240 th\u00e1ng l\u00e0: 23,416,000 VN\u0110, th\u00ec l\u00e3i su\u1ea5t th\u1ef1c n\u0103m l\u00e0 bao nhi\u00eau?
\nCh\u00fang ta l\u1eadp 1 b\u1ea3ng Excel, c\u00f3 t\u1ed5ng c\u1ed9ng 241 th\u00e0ng, h\u00e0ng \u0111\u1ea7u ti\u00ean l\u00e0 Th\u00e1ng 0, c\u00f3 s\u1ed1 ti\u1ec1n l\u00e0 2,500,000,000
\nH\u00e0ng 2 (th\u00e1ng 1), h\u00e0ng 3 (th\u00e1ng 2), h\u00e0ng 4 (th\u00e1ng 3)\u2026cho \u0111\u1ebfn h\u00e0ng 241 (th\u00e1ng 240), \u0111\u1ec1u c\u00f3 s\u1ed1 ti\u1ec1n b\u1eb1ng -23,416,000 (\u00e2m, v\u00ec ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 ti\u1ec1n)
\nCh\u00fang ta l\u1eadp h\u00e0m IRR = (th\u00e1ng 0 \u2026th\u00e1ng 24), ch\u00fang ta s\u1ebd t\u00ecm ra l\u00e3i su\u1ea5t th\u00e1ng = 0.80%.
\nL\u00e3i su\u1ea5t n\u0103m = ((1+LS th\u00e1ng)^12)-1 = ((1+0.80%)^12)-1 = 10%.
\nV\u1eady nh\u00e9 c\u00e1c b\u1ea1n. Ch\u00fac c\u00e1c b\u1ea1n \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c \u0111\u1ec3 t\u00ednh s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3, t\u00ednh ra l\u00e3i su\u1ea5t th\u1ef1c c\u1ee7a c\u00e1c kho\u1ea3n vay, v\u00e0 s\u1edf h\u1eedu c\u0103n nh\u00e0 (home) l\u00fd t\u01b0\u1edfng nh\u00e9.<\/p>\n

V\u1eady nh\u00e9 c\u00e1c b\u1ea1n. Ch\u00fac c\u00e1c b\u1ea1n \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c \u0111\u1ec3 t\u00ednh s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3, t\u00ednh ra l\u00e3i su\u1ea5t th\u1ef1c c\u1ee7a c\u00e1c kho\u1ea3n vay, v\u00e0 s\u1edf h\u1eedu c\u0103n nh\u00e0 (home) l\u00fd t\u01b0\u1edfng nh\u00e9.<\/p>\n

\n

Th\u00e2n \u00e1i<\/em>
\nL\u00e2m Minh Ch\u00e1nh \/ Ch\u00fa Ba T\u00e0i ch\u00ednh<\/em><\/p>\n

Tr\u00edch t\u1eeb: https:\/\/www.facebook.com\/TaiChinhCaNhanDanhChoThieuNien\/posts\/pfbid02iWgpbo3mrHUuW8UoReyxh5bdhVt8y6GZQKY554zvCtFahNn83SXgAuQHdDo8aKRZl<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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