{"id":337,"date":"2017-10-19T16:38:39","date_gmt":"2017-10-19T09:38:39","guid":{"rendered":"http:\/\/toyota-nhatrang.vn\/?p=337"},"modified":"2017-10-19T16:41:40","modified_gmt":"2017-10-19T09:41:40","slug":"cach-tinh-lai-suat-mua-xe-tra-gop","status":"publish","type":"post","link":"https:\/\/demo.netsa.vn\/car-store\/cach-tinh-lai-suat-mua-xe-tra-gop.html","title":{"rendered":"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p"},"content":{"rendered":"

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\u00a0 \u00a0 \u00a0 \u00a0 C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p<\/h2>\n

V\u1edbi m\u1ee5c \u0111\u00edch gi\u00fap kh\u00e1ch h\u00e0ng mua xe c\u00f3 nhu c\u1ea7u vay v\u1ed1n ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n m\u1ed7i th\u00e1ng ph\u1ea3i tr\u1ea3 bao g\u1ed3m c\u1ea3 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y ch\u00fang t\u00f4i xin h\u01b0\u1edbng d\u1eabn b\u1ea1n\u00a0c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p\u00a0t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01a1n gi\u1ea3n v\u00e0 nhanh ch\u00f3ng nh\u1ea5t.<\/p>\n

\u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/em>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p\u00a0d\u01b0\u1edbi \u0111\u00e2y theo ph\u01b0\u01a1ng th\u1ee9c d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n v\u00e0 \u0111\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c kinh t\u1ebf nh\u1ea5t cho kh\u00e1ch h\u00e0ng v\u00ec ti\u1ec1n l\u00e3i s\u1ebd \u00edt h\u01a1n so v\u1edbi c\u00e1ch t\u00ednh tr\u1ea3 h\u00e0ng th\u00e1ng b\u1eb1ng nhau.<\/p>\n

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\"c\u00e1chH\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t vay mua xe tr\u1ea3 g\u00f3p<\/p>\n<\/div>\n

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  • B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh kho\u1ea3n ti\u1ec1n c\u1ea7n vay<\/li>\n<\/ul>\n

    N\u1ebfu b\u1ea1n \u0111ang c\u00f3 d\u1ef1 \u0111\u1ecbnh mua m\u1ed9t chi\u1ebfc \u00f4 t\u00f4 tr\u1ea3 g\u00f3p\u00a0th\u00ec kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c vay t\u1ed1i \u0111a 70% gi\u00e1 tr\u1ecb xe. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u00f3 nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i ri\u00eang c\u00f3 th\u1ec3 cho vay 80% gi\u00e1 tr\u1ecb xe.
    \nB\u1ea1n c\u00f3 th\u1ec3 c\u00e2n \u0111\u1ed1i kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh kho\u1ea3n ti\u1ec1n c\u1ea7n vay ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 \u0111\u1ec3 mua chi\u1ebfc xe m\u00e0 m\u00ecnh ch\u1ecdn.<\/p>\n

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    • B\u01b0\u1edbc 2: X\u00e1c \u0111\u1ecbnh th\u1eddi gian vay<\/li>\n<\/ul>\n

      \u0110\u1ec3 t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p\u00a0<\/em>b\u1ea1n c\u1ea7n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi h\u1ea1n vay \u0111\u1ed1i v\u1edbi mua xe m\u1edbi kho\u1ea3ng 84 th\u00e1ng (7\u00a0n\u0103m) v\u00e0 \u0111\u1ed1i v\u1edbi mua xe c\u0169 tr\u1ea3 g\u00f3p l\u00e0 60 th\u00e1ng ( 5 n\u0103m).
      \nN\u1ebfu b\u1ea1n \u0111\u1ec3 th\u1eddi gian vay c\u00e0ng d\u00e0i th\u00ec s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 s\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng s\u1ebd h\u00e0ng th\u1ea5p. B\u1edfi v\u1eady m\u00e0 \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng th\u01b0\u1eddng vay th\u1eddi gian \u0111\u1ec3 s\u1ed1 ti\u1ec1n n\u1ee3 h\u00e0ng th\u00e1ng l\u00e0 th\u1ea5p nh\u1ea5t.<\/p>\n

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      • B\u01b0\u1edbc 3: X\u00e1c \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t cho vay<\/li>\n<\/ul>\n

        B\u01b0\u1edbc ti\u1ebfp theo \u0111\u1ec3 t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p\u00a0l\u00e0 x\u00e1c \u0111\u1ecbnh m\u1ee9c l\u00e3i su\u1ea5t cho vay. Hi\u1ec7n l\u00e3i su\u1ea5t cho vay \u01b0u \u0111\u00e3i c\u1ee7a c\u00e1c Ng\u00e2n h\u00e0ng t\u1eeb 7,00%\/ n\u0103m \u0111\u1ebfn 8%\/n\u0103m t\u00f9y v\u00e0o lo\u1ea1i h\u1ed3 s\u01a1 vay, lo\u1ea1i xe vay tr\u1ea3 g\u00f3p, ni\u00ean h\u1ea1n vay, h\u1ed3 s\u01a1 ch\u1ee9ng minh thu nh\u1eadp, v\u00f9ng mi\u1ec1n, gi\u00e1 tr\u1ecb xe th\u1ebf ch\u1ea5p,\u2026 Sau th\u1eddi gian \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng l\u00e0 10,6%\/n\u0103m.<\/p>\n

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        • B\u01b0\u1edbc 4: T\u00ednh ti\u1ec1n g\u1ed1c ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng<\/li>\n<\/ul>\n

          Ti\u1ec1n g\u1ed1c h\u00e0ng th\u00e1ng = T\u1ed5ng s\u1ed1 ti\u1ec1n vay \/ T\u1ed5ng th\u1eddi gian vay ( th\u00e1ng)<\/p>\n

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          • B\u01b0\u1edbc 5: T\u00ednh l\u00e3i su\u1ea5t c\u1ea7n tr\u1ea3<\/li>\n<\/ul>\n

            Ti\u1ec1n l\u00e3i th\u00e1ng = Ti\u1ec1n g\u1ed1c c\u00f2n l\u1ea1i \/12 th\u00e1ng x l\u00e3i su\u1ea5t<\/p>\n

            Ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n 5 b\u01b0\u1edbc tr\u00ean b\u1ea1n c\u00f3 th\u1ec3 t\u00ednh l\u00e3i su\u1ea5t mua xe tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng ph\u1ea3i tr\u1ea3.
            \nV\u00ed d\u1ee5<\/em>:<\/strong>\u00a0B\u1ea1n mua m\u1ed9t chi\u1ebfc xe Toyota Vios 1.5G s\u1ed1 t\u1ef1 \u0111\u1ed9ng m\u1edbi v\u1edbi tr\u1ecb gi\u00e1 550\u00a0tri\u1ec7u \u0111\u1ed3ng. C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t mua\u00a0tr\u1ea3 g\u00f3p\u00a0nh\u01b0 sau:
            \n\u2013 S\u1ed1 ti\u1ec1n vay t\u1ed1i \u0111a\u00a080% tr\u1ecb gi\u00e1 xe: 550\u00a0x 0,8 = 440\u00a0tri\u1ec7u
            \n\u2013 Th\u1eddi h\u1ea1n vay \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0: 07\u00a0n\u0103m = 84\u00a0th\u00e1ng
            \n\u2013 L\u00e3i su\u1ea5t vay \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 : 7,5%\/n\u0103m => l\u00e3i su\u1ea5t th\u00e1ng ~ 7,5%\/12 ~ 0,625%\/th\u00e1ng
            \n\u2013 S\u1ed1 ti\u1ec1n g\u1ed1c tr\u1ea3\u00a0h\u00e0ng th\u00e1ng \u00a0 \u00a0 \u00a0 \u00a0: 440 tri\u1ec7u\/84 th\u00e1ng\u00a0~ ,5.24\u00a0tri\u1ec7u\/th\u00e1ng
            \n\u2013 L\u00e3i su\u1ea5t th\u00e1ng cao nh\u1ea5t \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 : 440 tri\u1ec7u\/12 th\u00e1ng\u00a0x 0,625 ~ 2,3\u00a0tri\u1ec7u\/th\u00e1ng
            \n\u2013 T\u1ed5ng g\u1ed1c + l\u00e3i th\u00e1ng cao nh\u1ea5t \u00a0 : 5,24 + 2,3\u00a0= 7,54\u00a0tri\u1ec7u
            \nNh\u01b0 v\u1eady, trong 7\u00a0n\u0103m s\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng b\u1ea1n ph\u1ea3i t\u1ea3 kho\u1ea3ng h\u01a1n 07 tri\u1ec7u cho th\u00e1ng \u0111\u1ea7u ti\u00ean v\u00e0 b\u1eaft \u0111\u1ea7u th\u00e1ng th\u1ee9 2 l\u00e3i su\u1ea5t s\u1ebd gi\u1ea3m d\u1ea7n l\u00e0 c\u00f3 th\u1ec3 s\u1eed h\u1eefu m\u1ed9t chi\u1ebfc Vios 1.5G s\u1ed1 t\u1ef1 \u0111\u1ed9ng\u00a02017.<\/p>\n

            Qu\u00fd kh\u00e1ch c\u1ea7n t\u01b0 v\u1ea5n chi ti\u1ebft v\u00e0 c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 li\u00ean h\u1ec7 theo s\u1ed1 Hotline: 0912.454.400 – NVBH: T\u01b0\u1eddng Vi\u00ean<\/p>\n

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