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L鉯 sut th t韓 dng - 4 iu cn bit kh鬾g mt tin oan
Hu ht kh醕h h鄋g quan t鈓 n nhng tin 韈h ca th t韓 dng nhng li 韙 khi n mt ti陁 ch quan trng kh鬾g k閙 - l鉯 sut th t韓 dng. Nu kh鬾g hiu r v l鉯 sut th t韓 dng bn c th mc phi mt s sai lm khi chi ti陁 bng th l鄊 mt th阭 mt khon tin kh鬾g 醤g c.
1. L鉯 sut th t韓 dng l g?
L鉯 sut th t韓 dng l mc ph m ch th t韓 dng phi tr khi thanh to醤 chm khon d n th t韓 dng ca th醤g lin trc.
Th鬾g thng h鄋g th醤g ng鈔 h鄋g s gi bn sao k y v tng s tin kh醕h h鄋g chi ti陁 trong th醤g, s tin cn thanh to醤 ti thiu v ng鄖 n hn thanh to醤. Nu n hn thanh to醤 th m bn vn cha tr s tin nh trong sao k, bn s b t韓h th阭 l鉯 sut chm tr n.
B阯 cnh c騨 c l鉯 sut ph醫 sinh khi bn s dng th t韓 dng r鷗 tin mt. Vic r鷗 tin mt ging nh vay tin mt t ng鈔 h鄋g th鬾g qua th, tuy nhi阯 bn s c nhn l鉯 sut tt hn nhiu so vi vic i vay. S tin bn r鷗 c coi l khon vay c nh鈔 n阯 s b t韓h l鉯 sut.
Mc ph r鷗 tin t th t韓 dng ca a s ng鈔 h鄋g hin nay ri v鄌 khong 1% 4% / th醤g. Mi khi r鷗 tin bn kh鬾g ch mt ph r鷗 tin m c騨 b t韓h th阭 l鉯 sut.
l鉯 sut th t韓 dng
T靘 hiu l鉯 sut qu hn trc khi ng k m th t韓 dng
2. C醕h t韓h l鉯 sut khi tr chm th t韓 dng
Trong v騨g 45 ng鄖 k t ng鄖 ph醫 sinh giao dch u ti阯, bn s kh鬾g phi chu l鉯 sut v ph. Th nhng ht 45 ng鄖 m bn vn cha thanh to醤 s d n th ng鈔 h鄋g s bt u t韓h l鉯 sut.
B阯 cnh , bn cn phi lu rng, nu bn b pht l鉯 sut tr chm th t韓 dng th
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