<\/p>\n
B\u01b0\u1edbc nh\u1ea3y v\u1ecdt t\u1eeb vi\u1ec7c \u1edf thu\u00ea l\u00ean t\u1edbi s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 l\u00e0 m\u1ed9t tr\u1ea3i nghi\u1ec7m \u0111\u1ea7y th\u00fa v\u1ecb v\u00e0 t\u1ef1 do. Nh\u01b0ng \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh l\u1edbn, c\u1ea3 cho t\u01b0\u01a1ng lai v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ed9t cam k\u1ebft l\u00e2u d\u00e0i \u0111\u00f2i h\u1ecfi ngu\u1ed3n t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc, v\u00e0 \u0111i\u1ec1u \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o tr\u00ean nhi\u1ec1u ph\u01b0\u01a1ng di\u1ec7n h\u01a1n ch\u1ec9 l\u00e0 ti\u1ec1n b\u1ea1c.<\/p>\n
N\u1ebfu b\u1ea5t k\u1ef3 d\u1ea5u hi\u1ec7u n\u00e0o sau \u0111\u00e2y \u0111\u00fang v\u1edbi b\u1ea1n, c\u00f3 l\u1ebd t\u1ea1m th\u1eddi ng\u01b0ng vi\u1ec7c mua nh\u00e0 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u00fang \u0111\u1eafn.<\/p>\n
B\u1ea1n ph\u1ea3i s\u1eed d\u1ee5ng h\u01a1n 30% thu nh\u1eadp c\u1ee7a m\u00ecnh v\u00e0o vi\u1ec7c chi ti\u00eau h\u00e0ng th\u00e1ng<\/b><\/p>\n
C\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho bi\u1ebft m\u1ed9t nguy\u00ean t\u1eafc t\u1ed1t l\u00e0 \u0111\u1ea3m b\u1ea3o t\u1ed5ng s\u1ed1 ti\u1ec1n thanh to\u00e1n h\u00e0ng th\u00e1ng kh\u00f4ng ti\u00eau t\u1ed1n h\u01a1n 30% t\u1ed5ng thu nh\u1eadp sau thu\u1ebf.<\/p>\n
“N\u1ebfu l\u1ea1m chi qu\u00e1 30%, t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n s\u1ebd b\u1ecb th\u1eaft ch\u1eb7t v\u00e0 b\u1ea1n s\u1ebd d\u1ec5 b\u1ecb t\u00e1c \u0111\u1ed9ng nghi\u00eam tr\u1ecdng khi g\u1eb7p b\u1ea5t k\u1ef3 tr\u1ee5c tr\u1eb7c n\u00e0o v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh”, Harold Pollack v\u00e0 Helaine Olen chia s\u1ebb trong m\u1ed9t cu\u1ed1n s\u00e1ch c\u1ee7a h\u1ecd. “C\u00f4ng b\u1eb1ng m\u00e0 n\u00f3i, \u0111i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. V\u00ed d\u1ee5 nh\u01b0 \u1edf New York v\u00e0 San Francisco, \u0111i\u1ec1u n\u00e0y l\u00e0 kh\u00f4ng th\u1ec3”.<\/p>\n
B\u1ecf qua m\u1ed9t v\u00e0i tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7, h\u00e3y \u0111\u1eb7t m\u1ee5c ti\u00eau d\u00e0nh kh\u00f4ng qu\u00e1 m\u1ed9t ph\u1ea7n ba t\u1ed5ng s\u1ed1 thu nh\u1eadp sau thu\u1ebf cho vi\u1ec7c nh\u00e0 c\u1eeda”.<\/p>\n
B\u1ea1n c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u1ea5p<\/b><\/p>\n
Tr\u01b0\u1edbc khi xem x\u00e9t quy\u1ec1n s\u1edf h\u1eefu nh\u00e0, b\u1ea1n s\u1ebd mu\u1ed1n ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh. Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, \u0111i\u1ec3m s\u1ed1 c\u1ee7a b\u1ea1n c\u00e0ng cao, l\u00e3i su\u1ea5t cho kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n s\u1ebd c\u00e0ng t\u1ed1t. T\u00edn d\u1ee5ng t\u1ed1t c\u00f3 ngh\u0129a l\u00e0 kho\u1ea3n ti\u1ec1n ph\u1ea3i thanh to\u00e1n h\u00e0ng th\u00e1ng th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3, v\u00ec v\u1eady n\u1ebfu \u0111i\u1ec3m c\u1ee7a b\u1ea1n kh\u00f4ng l\u1edbn, h\u00e3y xem x\u00e9t vi\u1ec7c t\u1ea1m d\u1eebng vi\u1ec7c chi ti\u00eau kh\u1ed5ng l\u1ed3 n\u00e0y cho \u0111\u1ebfn khi b\u1ea1n x\u00e2y d\u1ef1ng \u0111\u1ee7 \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n
B\u1ea1n kh\u00f4ng c\u00f3 \u0111\u1ee7 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m kh\u1ea9n c\u1ea5p<\/b><\/p>\n
Qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc.<\/p>\n
Pollack v\u00e0 Olen vi\u1ebft: “T\u1ea5t c\u1ea3 ch\u00fang ta \u0111\u1ec1u nh\u1eadn \u0111\u01b0\u1ee3c th\u1ea5t b\u1ea1i t\u00e0i ch\u00ednh b\u1ea5t ng\u1edd: Ai \u0111\u00f3 b\u1ecb b\u1ec7nh. C\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng y t\u1ebf. C\u00f4ng vi\u1ec7c \u0111\u1ed9t nhi\u00ean b\u1ecb m\u1ea5t. Tuy nhi\u00ean, cu\u1ed9c s\u1ed1ng v\u1eabn di\u1ec5n ra, ng\u00e2n h\u00e0ng v\u1eabn mong nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p h\u00e0ng th\u00e1ng c\u1ee7a ch\u00fang ta. H\u00e3y ngh\u0129 v\u1ec1 qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n. Sau \u0111\u00f3 m\u1edbi t\u00ednh \u0111\u1ebfn vi\u1ec7c mua nh\u00e0. N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 qu\u1ef9 kh\u1ea9n c\u1ea5p m\u00e0 v\u1eabn ti\u1ebfp t\u1ee5c mua m\u1ed9t ng\u00f4i nh\u00e0, r\u1ea5t c\u00f3 th\u1ec3 m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3 b\u1ea1n s\u1ebd th\u1ea5y m\u00ecnh r\u01a1i v\u00e0o kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh”.<\/p>\n
C\u00f3 m\u1ed9t v\u00e0i g\u1ee3i \u00fd r\u1eb1ng b\u1ea1n n\u00ean c\u00f3 kho\u1ea3n ti\u1ebft ki\u1ec7m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng chi ph\u00ed sinh ho\u1ea1t trong v\u00e0i n\u0103m \u0111\u1ec3 d\u00e0nh ri\u00eang trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t xu\u1ea5t, v\u00ed d\u1ee5 nh\u01b0 m\u1ea5t vi\u1ec7c.<\/p>\n
“Kh\u00f4ng gi\u1ed1ng nh\u01b0 m\u1ed9t th\u1ecfa thu\u1eadn thu\u00ea nh\u00e0 m\u1ed9t ho\u1eb7c hai n\u0103m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u1ea5m d\u1ee9t \u0111\u00e3 bi\u1ebft, vi\u1ec7c m\u1eb7c \u0111\u1ecbnh th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i l\u1edbn cho b\u00e1o c\u00e1o t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n”, \u00f4ng chia s\u1ebb v\u1edbi Business Insider.<\/p>\n
B\u1ea1n kh\u00f4ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec<\/b><\/p>\n
Ngay c\u1ea3 v\u1edbi m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p \u0111\u1ea7y \u0111\u1ee7, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ec3 ti\u1ec1n \u0111i ch\u1ec7ch m\u1ee5c ti\u00eau s\u1eed d\u1ee5ng ban \u0111\u1ea7u.<\/p>\n
“N\u1ebfu b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m ti\u1ec1n h\u00e0ng th\u00e1ng, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 d\u00f2ng ti\u1ec1n c\u1ee7a b\u1ea1n \u0111ang \u1edf trong t\u00ecnh tr\u1ea1ng t\u1ed1t, \u0111\u00f3 l\u00e0 m\u1ed9t d\u1ea5u hi\u1ec7u t\u1ed1t b\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 mua m\u1ed9t ng\u00f4i nh\u00e0”, Roberge n\u00f3i.<\/p>\n
N\u1ebfu b\u1ea1n kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec ngo\u00e0i kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p, h\u00e3y c\u00e2n nh\u1eafc vi\u1ec7c ng\u1eebng mua nh\u00e0 cho \u0111\u1ebfn khi d\u00f2ng ti\u1ec1n c\u1ee7a b\u1ea1n \u1ed5n \u0111\u1ecbnh h\u01a1n.<\/p>\n
B\u1ea1n kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng cho 10% \u0111\u1eb7t c\u1ecdc<\/b><\/p>\n
L\u00fd t\u01b0\u1edfng nh\u1ea5t l\u00e0 b\u1ea1n s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 20% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 \u2013 n\u1ebfu th\u1ea5p h\u01a1n, b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n, m\u1ed9t ph\u01b0\u01a1ng \u00e1n ph\u00f2ng b\u1ecb t\u1ed1t cho ng\u00e2n h\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3.\u00a0<\/p>\n
“C\u00e0ng nhi\u1ec1u ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 b\u1ecf v\u00e0o vi\u1ec7c mua nh\u00e0 ban \u0111\u1ea7u, kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n c\u00e0ng th\u1ea5p”, Pollack v\u00e0 Olen gi\u1ea3i th\u00edch. “\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec b\u1ea1n s\u1ebd c\u1ea7n vay \u00edt ti\u1ec1n h\u01a1n \u0111\u1ec3 chi tr\u1ea3 cho ng\u00f4i nh\u00e0. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m h\u00e0ng ch\u1ee5c ng\u00e0n USD trong su\u1ed1t th\u1eddi gian vay.”<\/p>\n
B\u1ea1n \u0111ang l\u00ean k\u1ebf ho\u1ea1ch cho c\u00e1c kho\u1ea3n chi ti\u00eau l\u1edbn kh\u00e1c trong v\u00e0i n\u0103m t\u1edbi<\/b><\/p>\n
\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i xem x\u00e9t ng\u00e2n s\u00e1ch nh\u00e0 \u1edf c\u1ee7a b\u1ea1n trong b\u1ed1i c\u1ea3nh c\u00e1c m\u1ee5c ti\u00eau trong t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n. “H\u00e3y ghi nh\u1edb v\u00e0i n\u0103m ti\u1ebfp theo v\u00e0 nh\u1eefng g\u00ec b\u1ea1n s\u1ebd l\u00e0m,” Roberge n\u00f3i.<\/p>\n
N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 chi ph\u00ed l\u1edbn n\u00e0o kh\u00e1c xu\u1ea5t hi\u1ec7n, vi\u1ec7c \u01b0u ti\u00ean chi tr\u1ea3 cho mua nh\u00e0 s\u1ebd d\u1ec5 th\u1ef1c hi\u1ec7n h\u01a1n. H\u00e3y xem x\u00e9t \u0111i\u1ec1u n\u00e0y: N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ee7 kh\u1ea3 n\u0103ng thanh to\u00e1n th\u1ebf ch\u1ea5p 1.000 USD m\u1ed7i th\u00e1ng ngay b\u00e2y gi\u1edd, nh\u01b0ng n\u1ebfu c\u00f3 em b\u00e9 v\u00e0o n\u0103m t\u1edbi, li\u1ec7u b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 s\u1ed1 ti\u1ec1n t\u01b0\u01a1ng t\u1ef1? N\u1ebfu kh\u00f4ng, \u0111\u00e3 \u0111\u1ebfn l\u00fac ch\u1ecdn m\u1ed9t m\u01b0u ti\u00ean.<\/p>\n
B\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111i trong v\u00f2ng n\u0103m n\u0103m t\u1edbi<\/b><\/p>\n
“S\u1edf h\u1eefu nh\u00e0, c\u0169ng nh\u01b0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, c\u00f3 hi\u1ec7u qu\u1ea3 cao nh\u1ea5t n\u1ebfu g\u1eafn li\u1ec1n v\u1edbi m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n,” Pollack v\u00e0 Olen gi\u1ea3i th\u00edch. “Ph\u1ea3i m\u1ea5t \u00edt nh\u1ea5t n\u0103m n\u0103m \u0111\u1ec3 chi tr\u1ea3 h\u1ebft ti\u1ec1n mua nh\u00e0. Trong v\u00e0i n\u0103m \u0111\u1ea7u ti\u00ean, c\u00e1c kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n ch\u1ee7 y\u1ebfu tr\u1ea3 h\u1ebft ti\u1ec1n l\u00e3i ch\u1ee9 kh\u00f4ng ph\u1ea3i ti\u1ec1n g\u1ed1c.”<\/p>\n
B\u1ea1n n\u00ean \u0111\u1ecbnh c\u01b0 \u00edt nh\u1ea5t 10 n\u0103m. C\u00e0ng s\u1ed1ng t\u1ea1i ng\u00f4i nh\u00e0 c\u1ee7a m\u00ecnh l\u00e2u, b\u1ea1n c\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ec1n h\u01a1n. N\u1ebfu b\u1ea1n b\u00e1n th\u00f4ng qua k\u00eanh m\u00f4i gi\u1edbi truy\u1ec1n th\u1ed1ng, b\u1ea1n ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi \u0111\u00f3 m\u1ed9t kho\u1ea3n ph\u00ed r\u1ea5t l\u1edbn – th\u01b0\u1eddng l\u00e0 6% gi\u00e1 b\u00e1n. Chia b\u00ecnh qu\u00e2n chi ph\u00ed \u0111\u00f3 cho v\u00e0i v\u00e0i n\u0103m s\u1ebd b\u1ea1n g\u1eb7p kh\u00f3 kh\u0103n h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi vi\u1ec7c b\u1ea1n gi\u1eef nh\u00e0 trong m\u01b0\u1eddi ho\u1eb7c hai m\u01b0\u01a1i n\u0103m.”<\/p>\n
Ch\u01b0a k\u1ec3, chi ph\u00ed di chuy\u1ec3n c\u00f3 th\u1ec3 cao \u0111\u1ebfn m\u1ee9c kh\u00f4ng th\u1ec3 tin n\u1ed5i.<\/p>\n
B\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 b\u1eaft k\u1ecbp c\u00e1c m\u1ee5c ti\u00eau kh\u00e1c<\/b><\/p>\n
\u0110i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ea1n c\u1ea7n ph\u1ea3i tr\u1ea3 h\u1ebft t\u1eebng kho\u1ea3n n\u1ee3 tr\u01b0\u1edbc khi mua nh\u00e0. Nh\u01b0ng h\u00e3y \u0111i s\u00e2u v\u00e0o l\u00fd do t\u1ea1i sao b\u1ea1n c\u00f3 n\u1ee3 v\u00e0 c\u00e1ch b\u1ea1n d\u1ef1 \u0111\u1ecbnh x\u1eed l\u00fd n\u00f3, t\u1eeb c\u00e1c kho\u1ea3n vay sinh vi\u00ean \u0111\u1ebfn c\u00e1c kho\u1ea3n ph\u00ed th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n
“T\u1ea1i sao b\u1ea1n c\u00f3 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng? C\u00f3 ph\u1ea3i ch\u1ec9 l\u00e0 m\u1ed9t s\u1ef1 c\u1ed1 ng\u1eabu nhi\u00ean \u0111\u1eb7t m\u1ed9t kho\u1ea3n n\u1ee3 v\u00e0o th\u1ebb t\u00edn d\u1ee5ng v\u00e0 b\u1ea1n bi\u1ebft r\u1eb1ng s\u1ebd tr\u1ea3 h\u1ebft s\u1edbm? Ho\u1eb7c b\u1ea1n \u0111\u00e3 chi ti\u00eau nhi\u1ec1u h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c v\u00e0 n\u00f3 t\u0103ng theo th\u1eddi gian? ” Roberge n\u00f3i.<\/p>\n
Kh\u00f4ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec n\u1ebfu b\u1ea1n v\u1eabn \u0111ang tr\u1ea3 n\u1ed1t c\u00e1c kho\u1ea3n vay sinh vi\u00ean ho\u1eb7c n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng trong qu\u00e1 kh\u1ee9. Nh\u01b0ng n\u1ebfu c\u00e1c chi ph\u00ed gia t\u0103ng khi mua nh\u00e0 – thanh to\u00e1n th\u1ebf ch\u1ea5p, thu\u1ebf v\u00e0 s\u1eeda ch\u1eefa – c\u1ea3n tr\u1edf kh\u1ea3 n\u0103ng b\u1ea1n ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau \u0111\u00f3 m\u1ed7i th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 mu\u1ed1n gi\u1eef l\u1ea1i s\u1ed1 ti\u1ec1n \u0111\u00f3 ngay b\u00e2y gi\u1edd v\u00e0 \u0111\u1ec3 c\u00e1c chi ph\u00ed quan tr\u1ecdng kh\u00e1c \u0111\u01b0\u1ee3c \u01b0u ti\u00ean.<\/p>\n
B\u1ea1n \u0111ang “ch\u00ecm s\u00e2u” trong n\u1ee3 n\u1ea7n<\/b><\/p>\n
M\u1eb7c d\u00f9 m\u1ed9t s\u1ed1 kho\u1ea3n n\u1ee3 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c, nh\u01b0ng n\u1ebfu \u0111\u00f3 l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u00e1ng k\u1ec3, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf kh\u1ea3 n\u0103ng mua nh\u00e0 c\u1ee7a b\u1ea1n.<\/p>\n
Pollack v\u00e0 Olen cho bi\u1ebft: “N\u1ebfu kho\u1ea3n n\u1ee3 c\u1ee7a b\u1ea1n cao, quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 s\u1ebd r\u1ea5t kh\u00f3 kh\u0103n”.<\/p>\n
Khi b\u1ea1n n\u1ed9p \u0111\u01a1n xin th\u1ebf ch\u1ea5p, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 m\u1ecdi th\u1ee9 b\u1ea1n n\u1ee3 – t\u1eeb kho\u1ea3n vay mua xe h\u01a1i, n\u1ee3 sinh vi\u00ean cho \u0111\u1ebfn n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n
“N\u1ebfu s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a kho\u1ea3n n\u1ee3 \u0111\u00f3 v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea1n mu\u1ed1n vay v\u01b0\u1ee3t qu\u00e1 43% thu nh\u1eadp c\u1ee7a b\u1ea1n, b\u1ea1n s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n khi nh\u1eadn th\u1ebf ch\u1ea5p,” h\u1ecd gi\u1ea3i th\u00edch. “T\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp” c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 qu\u00e1 cao v\u00e0 c\u00e1c c\u00f4ng ty ph\u00e1t h\u00e0nh th\u1ebf ch\u1ea5p s\u1ebd coi \u0111\u00f3 l\u00e0 d\u1ea5u hi\u1ec7u cho vi\u1ec7c v\u1ee1 n\u1ee3 trong t\u01b0\u01a1ng lai.”<\/p>\n
B\u1ea1n ch\u1ec9 quan t\u00e2m \u0111\u1ebfn gi\u00e1 nh\u00e0 \u0111\u01b0\u1ee3c ch\u00e0o b\u00e1n<\/b><\/p>\n
C\u1ea7n ph\u1ea3i t\u00ecm hi\u1ec3u nhi\u1ec1u kh\u00eda c\u1ea1nh h\u01a1n l\u00e0 ch\u1ec9 gi\u00e1 ng\u00f4i nh\u00e0 \u0111\u00f3. C\u00f3 m\u1ed9t n\u00fai c\u00e1c chi ph\u00ed \u1ea9n v\u00e0 con s\u1ed1 \u0111\u00f3 s\u1ebd ch\u1ec9 ng\u00e0y c\u00e0ng t\u0103ng v\u1ecdt n\u1ebfu b\u1ea1n s\u1ed1ng t\u1ea1i m\u1ed9t th\u00e0nh ph\u1ed1 l\u1edbn .<\/p>\n
B\u1ea1n s\u1ebd ph\u1ea3i xem x\u00e9t nh\u1eefng th\u1ee9 nh\u01b0 thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n, b\u1ea3o hi\u1ec3m, ti\u1ec7n \u00edch, chi ph\u00ed di chuy\u1ec3n, c\u1ea3i t\u1ea1o v\u00e0 c\u00f3 l\u1ebd l\u00e0 chi ph\u00ed b\u1ecb b\u1ecf qua nh\u1ea5t: b\u1ea3o tr\u00ec<\/p>\n
“Gi\u00e1 mua th\u1ef1c t\u1ebf kh\u00f4ng ph\u1ea3i l\u00e0 chi ph\u00ed quan tr\u1ecdng nh\u1ea5t”, Alison Bernstein, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 ch\u1ee7 t\u1ecbch c\u1ee7a Suburban Jungle Realty Group, cho bi\u1ebft. “\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 chi ph\u00ed bao nhi\u00eau \u0111\u1ec3 duy tr\u00ec ng\u00f4i nh\u00e0 \u0111\u00f3”.<\/p>\n<\/div>\n
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B\u01b0\u1edbc nh\u1ea3y v\u1ecdt t\u1eeb vi\u1ec7c \u1edf thu\u00ea l\u00ean t\u1edbi s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 l\u00e0 m\u1ed9t tr\u1ea3i nghi\u1ec7m \u0111\u1ea7y th\u00fa v\u1ecb v\u00e0 t\u1ef1 do. Nh\u01b0ng \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh l\u1edbn, c\u1ea3 cho t\u01b0\u01a1ng lai v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ed9t cam k\u1ebft l\u00e2u d\u00e0i \u0111\u00f2i h\u1ecfi ngu\u1ed3n t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc, […]<\/p>\n","protected":false},"author":2,"featured_media":4191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\n
\u0110\u1eebng v\u1ed9i mua nh\u00e0 n\u1ebfu c\u00f3 10 d\u1ea5u hi\u1ec7u n\u00e0y - Favorite News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/favorite-news.com\/vi\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0110\u1eebng v\u1ed9i mua nh\u00e0 n\u1ebfu c\u00f3 10 d\u1ea5u hi\u1ec7u n\u00e0y - Favorite News\" \/>\n<meta property=\"og:description\" content=\"[ad_1]
B\u01b0\u1edbc nh\u1ea3y v\u1ecdt t\u1eeb vi\u1ec7c \u1edf thu\u00ea l\u00ean t\u1edbi s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 l\u00e0 m\u1ed9t tr\u1ea3i nghi\u1ec7m \u0111\u1ea7y th\u00fa v\u1ecb v\u00e0 t\u1ef1 do. Nh\u01b0ng \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh l\u1edbn, c\u1ea3 cho t\u01b0\u01a1ng lai v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ed9t cam k\u1ebft l\u00e2u d\u00e0i \u0111\u00f2i h\u1ecfi ngu\u1ed3n t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc, […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/favorite-news.com\/vi\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\/\" \/>\n<meta property=\"og:site_name\" content=\"Favorite News\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-14T13:13:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-08-14T13:13:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/favorite-news.com\/vi\/wp-content\/uploads\/sites\/5\/2019\/08\/\u0110\u1eebng-v\u1ed9i-mua-nh\u00e0-n\u1ebfu-c\u00f3-10-d\u1ea5u-hi\u1ec7u-n\u00e0y.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"315\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"favorite-news\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"favorite-news\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/\"},\"author\":{\"name\":\"favorite-news\",\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/#\\\/schema\\\/person\\\/b91573b717dcfa5e4696032a9d28d3e8\"},\"headline\":\"\u0110\u1eebng v\u1ed9i mua nh\u00e0 n\u1ebfu c\u00f3 10 d\u1ea5u hi\u1ec7u n\u00e0y\",\"datePublished\":\"2019-08-14T13:13:00+00:00\",\"dateModified\":\"2019-08-14T13:13:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/\"},\"wordCount\":2420,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/wp-content\\\/uploads\\\/sites\\\/5\\\/2019\\\/08\\\/\u0110\u1eebng-v\u1ed9i-mua-nh\u00e0-n\u1ebfu-c\u00f3-10-d\u1ea5u-hi\u1ec7u-n\u00e0y.jpg\",\"articleSection\":[\"B\u1ea2N TIN T\u00c0I CH\u00cdNH\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/\",\"url\":\"https:\\\/\\\/favorite-news.com\\\/vi\\\/dung-voi-mua-nha-neu-co-10-dau-hieu-nay\\\/\",\"name\":\"\u0110\u1eebng v\u1ed9i mua nh\u00e0 n\u1ebfu c\u00f3 10 d\u1ea5u hi\u1ec7u n\u00e0y - 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B\u01b0\u1edbc nh\u1ea3y v\u1ecdt t\u1eeb vi\u1ec7c \u1edf thu\u00ea l\u00ean t\u1edbi s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 l\u00e0 m\u1ed9t tr\u1ea3i nghi\u1ec7m \u0111\u1ea7y th\u00fa v\u1ecb v\u00e0 t\u1ef1 do. Nh\u01b0ng \u0111\u00e2y c\u0169ng l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh l\u1edbn, c\u1ea3 cho t\u01b0\u01a1ng lai v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. 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