{"id":21657,"date":"2023-12-06T02:50:26","date_gmt":"2023-12-06T02:50:26","guid":{"rendered":"https:\/\/masterskills.org\/blog\/overdraft-la-gi-co-gi-khac-biet-so-voi-khoan-vay.html"},"modified":"2023-12-22T04:55:48","modified_gmt":"2023-12-21T21:55:48","slug":"overdraft-la-gi-co-gi-khac-biet-so-voi-khoan-vay","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/overdraft-la-gi-co-gi-khac-biet-so-voi-khoan-vay.html","title":{"rendered":"Overdraft l\u00e0 g\u00ec? C\u00f3 g\u00ec kh\u00e1c bi\u1ec7t so v\u1edbi kho\u1ea3n vay?"},"content":{"rendered":"
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<\/figure>\n

Overdraft l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

Overdraft c\u00f3 ngh\u0129a l\u00e0 th\u1ea5u chi \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n giao d\u1ecbch h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n l\u00e0 m\u1ed9t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 trang tr\u1ea3i c\u00e1c kho\u1ea3n thi\u1ebfu h\u1ee5t d\u00f2ng ti\u1ec1n ng\u1eafn h\u1ea1n.<\/p>\n

Th\u1ea5u chi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng x\u1ea3y ra khi s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n gi\u1ea3m xu\u1ed1ng d\u01b0\u1edbi 0, d\u1eabn \u0111\u1ebfn s\u1ed1 d\u01b0 \u00e2m. N\u00f3 th\u01b0\u1eddng x\u1ea3y ra khi kh\u00f4ng c\u00f2n ti\u1ec1n trong t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, nh\u01b0ng m\u1ed9t giao d\u1ecbch ch\u01b0a thanh to\u00e1n \u0111\u01b0\u1ee3c x\u1eed l\u00fd th\u00f4ng qua t\u00e0i kho\u1ea3n, d\u1eabn \u0111\u1ebfn ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i ch\u1ecbu m\u1ed9t kho\u1ea3n n\u1ee3.<\/p>\n

V\u1edbi th\u1ea5u chi, ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 \u0111\u1ed9ng cho ch\u1ee7 t\u00e0i kho\u1ea3n vay s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u1eed l\u00fd giao d\u1ecbch, sau \u0111\u00f3 tr\u1ea3 l\u1ea1i c\u00f9ng v\u1edbi c\u00e1c kho\u1ea3n ph\u00ed c\u00f3 th\u1ec3 c\u00f3. M\u1eb7c d\u00f9 n\u00f3 c\u00f3 v\u1ebb h\u1eefu \u00edch \u0111\u1ed1i v\u1edbi ch\u1ee7 t\u00e0i kho\u1ea3n, nh\u01b0ng chi ph\u00ed c\u00f3 th\u1ec3 v\u01b0\u1ee3t ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t n\u1ebfu c\u00e1c kho\u1ea3n th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c x\u1eed l\u00fd k\u1ecbp th\u1eddi v\u00e0 \u0111\u00fang c\u00e1ch.<\/p>\n

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\u201cTh\u1ea5u chi l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 vay ti\u1ec1n th\u00f4ng qua t\u00e0i kho\u1ea3n v\u00e3ng lai c\u1ee7a b\u1ea1n. B\u1ea1n s\u1ebd b\u1ecb th\u1ea5u chi n\u1ebfu b\u1ea1n th\u1ef1c hi\u1ec7n r\u00fat ti\u1ec1n ho\u1eb7c mua h\u00e0ng khi\u1ebfn b\u1ea1n th\u1ea5p h\u01a1n s\u1ed1 d\u01b0 kh\u1ea3 d\u1ee5ng.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n

C\u00e1c lo\u1ea1i t\u00e0i kho\u1ea3n th\u1ea5u chi<\/strong><\/span><\/h2>\n

C\u00f3 hai lo\u1ea1i th\u1ea5u chi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 th\u1ea5u chi \u1ee7y quy\u1ec1n v\u00e0 th\u1ea5u chi tr\u00e1i ph\u00e9p.<\/p>\n

Th\u1ea5u chi \u1ee7y quy\u1ec1n<\/strong><\/p>\n

V\u1edbi m\u1ed9t kho\u1ea3n th\u1ea5u chi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n, vi\u1ec7c th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc gi\u1eefa ch\u1ee7 t\u00e0i kho\u1ea3n v\u00e0 ng\u00e2n h\u00e0ng c\u1ee7a h\u1ecd. C\u1ea3 hai b\u00ean \u0111\u1ed3ng \u00fd v\u1edbi m\u1ed9t h\u1ea1n m\u1ee9c vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n th\u00f4ng th\u01b0\u1eddng. T\u1ea5t nhi\u00ean, s\u1ef1 s\u1eafp x\u1ebfp \u0111i k\u00e8m v\u1edbi m\u1ed9t kho\u1ea3n ph\u00ed d\u1ecbch v\u1ee5 kh\u00e1c nhau gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng, ph\u00ed \u0111\u01b0\u1ee3c t\u00ednh h\u00e0ng ng\u00e0y, h\u00e0ng tu\u1ea7n ho\u1eb7c h\u00e0ng th\u00e1ng, c\u1ed9ng v\u1edbi l\u00e3i su\u1ea5t, c\u00f3 th\u1ec3 cao nh\u01b0 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m h\u00e0ng n\u0103m t\u1eeb 15% \u0111\u1ebfn 20%. V\u00ec c\u00e1c kho\u1ea3n ph\u00ed \u0111\u00f4i khi r\u1ea5t cao, m\u1ed9t th\u1ecfa thu\u1eadn th\u1ea5u chi c\u00f3 th\u1ec3 r\u1ea5t t\u1ed1n k\u00e9m, \u0111\u1eb7c bi\u1ec7t n\u1ebfu s\u1ed1 ti\u1ec1n vay l\u00e0 r\u1ea5t nh\u1ecf. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao c\u00e1c ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i h\u1ebft s\u1ee9c c\u1ea9n th\u1eadn \u0111\u1ec3 tr\u00e1nh c\u00e1c kho\u1ea3n th\u1ea5u chi, ngay c\u1ea3 nh\u1eefng kho\u1ea3n \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n.<\/p>\n

Th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n<\/strong><\/p>\n

Nh\u01b0 thu\u1eadt ng\u1eef n\u00e0y ng\u1ee5 \u00fd, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 kho\u1ea3n th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn tr\u01b0\u1edbc v\u00e0 ch\u1ee7 t\u00e0i kho\u1ea3n \u0111\u00e3 chi ti\u00eau nhi\u1ec1u h\u01a1n s\u1ed1 d\u01b0 c\u00f2n l\u1ea1i trong t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh. Th\u1ea5u chi kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n c\u0169ng c\u00f3 th\u1ec3 x\u1ea3y ra ngay c\u1ea3 khi \u0111\u00e3 c\u00f3 th\u1ecfa thu\u1eadn t\u1eeb tr\u01b0\u1edbc, n\u1ebfu ch\u1ee7 t\u00e0i kho\u1ea3n \u0111\u00e3 v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n th\u1ea5u chi \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/p>\n

Th\u1ea5u chi t\u00e0i kho\u1ea3n kh\u00f4ng \u1ee7y quy\u1ec1n ph\u1ea3i ch\u1ecbu ph\u00ed cao h\u01a1n, khi\u1ebfn ch\u00fang \u0111\u1eaft h\u01a1n.<\/strong><\/p>\n

\u01afu \u0111i\u1ec3m c\u1ee7a kho\u1ea3n vay th\u1ea5u chi<\/strong><\/span><\/h2>\n

Th\u1ea5u chi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 m\u1ed9t th\u00f3i quen x\u1ea5u. Ch\u00fang c\u00f3 th\u1ec3 mang nh\u1eefng \u01b0u \u0111i\u1ec3m, bao g\u1ed3m nh\u1eefng \u0111i\u1ec1u sau:<\/p>\n

Ho\u00e0n h\u1ea3o cho s\u1ef1 kh\u00f4ng ph\u00f9 h\u1ee3p c\u1ee7a ti\u1ec1n m\u1eb7t<\/strong><\/p>\n

Khi ng\u00e0y thanh to\u00e1n \u0111\u1ebfn tr\u01b0\u1edbc khi t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ph\u1ea3i thu, th\u1ea5u chi r\u1ea5t h\u1eefu \u00edch. V\u00ed d\u1ee5, m\u1ed9t doanh nghi\u1ec7p ch\u1ec9 gi\u1eef 500 tri\u1ec7u \u0111\u1ed3ng trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a m\u00ecnh v\u00e0 600 tri\u1ec7u \u0111\u1ed3ng c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, kho\u1ea3n th\u1ea5u chi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n. C\u00e1c qu\u1ef9 t\u00e0i kho\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c kh\u00f4i ph\u1ee5c khi c\u00e1c kho\u1ea3n ph\u1ea3i thu \u0111\u01b0\u1ee3c thanh to\u00e1n.<\/p>\n

Thanh to\u00e1n \u0111\u00fang h\u1ea1n<\/strong><\/p>\n

V\u1edbi c\u00e1c kho\u1ea3n th\u1ea5u chi, kh\u00f4ng c\u00f3 kho\u1ea3n thanh to\u00e1n n\u00e0o b\u1ecb tr\u1ec5 h\u1ea1n do kh\u00f4ng \u0111\u1ee7 ti\u1ec1n. \u0110i\u1ec1u n\u00e0y b\u1ea3o v\u1ec7 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n v\u00e0 c\u0169ng gi\u00fap h\u1ecd tr\u00e1nh ph\u1ea3i tr\u1ea3 ph\u00ed tr\u1ec5 h\u1ea1n cho nh\u00e0 cung c\u1ea5p.<\/p>\n

Ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 gi\u1ea5y t\u1edd<\/strong><\/p>\n

So v\u1edbi c\u00e1c kho\u1ea3n vay d\u00e0i h\u1ea1n th\u00f4ng th\u01b0\u1eddng, c\u00e1c kho\u1ea3n th\u1ea5u chi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u1ed1i d\u1ec5 x\u1eed l\u00fd, y\u00eau c\u1ea7u th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd t\u1ed1i thi\u1ec3u.<\/p>\n

Cung c\u1ea5p s\u1ef1 ti\u1ec7n l\u1ee3i<\/strong><\/p>\n

Th\u1ea5u chi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, khi c\u1ea7n thi\u1ebft, mi\u1ec5n l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng r\u00fat ti\u1ec1n theo th\u1ecfa thu\u1eadn.<\/p>\n

S\u1ef1 kh\u00e1c nhau gi\u1eefa kho\u1ea3n vay \u2013 loans v\u00e0 th\u1ea5u chi overdraft l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n

\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 overdraft l\u00e0 g\u00ec, h\u00e3y c\u00f9ng \u0111i t\u00ecm s\u1ef1 kh\u00e1c nhau gi\u1eefa overdraft v\u00e0 kho\u1ea3n vay nh\u00e9.<\/p>\n

1)Th\u1ea5u chi l\u00e0 m\u1ed9t kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5p cho c\u00e1 nh\u00e2n ho\u1eb7c c\u00f4ng ty tr\u00ean t\u00e0i kho\u1ea3n v\u00e3ng lai. S\u1ed1 ti\u1ec1n b\u1ea1n r\u00fat c\u00f3 th\u1ec3 thay \u0111\u1ed5i h\u00e0ng ng\u00e0y d\u1ef1a tr\u00ean y\u00eau c\u1ea7u c\u1ee7a b\u1ea1n. N\u00f3 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 chi ti\u00eau b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 vay bao nhi\u00eau t\u00f9y theo h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh. Tuy nhi\u00ean, kho\u1ea3n vay l\u00e0 m\u1ed9t kho\u1ea3n v\u1ed1n c\u1ed1 \u0111\u1ecbnh \u0111\u01b0\u1ee3c vay t\u1eeb ng\u00e2n h\u00e0ng trong m\u1ed9t th\u1eddi gian c\u1ed1 \u0111\u1ecbnh v\u1edbi c\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 \u0111\u1ec1u \u0111\u1eb7n.<\/p>\n

\u00a02) Trong th\u1ea5u chi, l\u00e3i su\u1ea5t ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n th\u1ea5u chi \u0111\u01b0\u1ee3c vay kh\u00f4ng theo h\u1ea1n m\u1ee9c c\u1ee7a c\u01a1 s\u1edf th\u1ea5u chi; trong khi trong kho\u1ea3n vay, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 vay, cho d\u00f9 b\u1ea1n \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft hay ch\u01b0a. L\u01b0u \u00fd r\u1eb1ng l\u00e3i su\u1ea5t t\u00ednh tr\u00ean th\u1ea5u chi cao h\u01a1n c\u00e1c kho\u1ea3n vay.<\/p>\n

3) Th\u00f4ng th\u01b0\u1eddng, m\u1ed9t kho\u1ea3n th\u1ea5u chi \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong th\u1eddi gian ng\u1eafn v\u00e0 b\u1ea1n kh\u00f4ng th\u1ec3 vay s\u1ed1 ti\u1ec1n l\u1edbn do gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng. M\u1ed9t kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i h\u1ea1n, gi\u1ea3 s\u1eed kho\u1ea3ng 3-25 n\u0103m v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 vay s\u1ed1 ti\u1ec1n l\u1edbn cho m\u1ee5c \u0111\u00edch m\u1edf r\u1ed9ng d\u1ef1a tr\u00ean n\u0103ng l\u1ef1c c\u1ee7a m\u00ecnh.<\/p>\n

4) Th\u1ea5u chi l\u00e0 l\u00fd t\u01b0\u1edfng cho c\u00e1c y\u00eau c\u1ea7u v\u1ed1n l\u01b0u \u0111\u1ed9ng nh\u01b0 y\u00eau c\u1ea7u qu\u1ef9 h\u00e0ng ng\u00e0y, nh\u01b0ng kho\u1ea3n vay c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u1ed1n nh\u01b0 m\u00e1y m\u00f3c m\u1edbi ho\u1eb7c t\u00f2a nh\u00e0 m\u1edbi.<\/p>\n

5) T\u00f9y ch\u1ecdn thanh to\u00e1n trong c\u01a1 s\u1edf th\u1ea5u chi s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t l\u1ea7n v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00f3ng b\u1ea5t c\u1ee9 l\u00fac n\u00e0o nh\u01b0ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n.<\/p>\n

N\u00f3 linh ho\u1ea1t h\u01a1n trong \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n, trong khi m\u1ed9t kho\u1ea3n vay \u0111\u01b0\u1ee3c tr\u1ea3 theo c\u00e1c kho\u1ea3n tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng (EMI) v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n trong th\u1eddi gian \u0111\u00e3 \u0111\u1ecbnh \u0111\u1ec3 tr\u00e1nh c\u1ea3n tr\u1edf x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n

Tr\u00ean \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 chia s\u1ebb v\u1ec1 overdraft l\u00e0 g\u00ec, hi v\u1ecdng b\u1ea1n s\u1ebd c\u00f3 th\u00eam ki\u1ebfn th\u1ee9c h\u1eefu \u00edch t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho vi\u1ec7c s\u1eed d\u1ee5ng.<\/p>\n

Tr\u00e2m Nguy\u1ec5n<\/strong><\/p>\n

<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Overdraft l\u00e0 g\u00ec? Overdraft c\u00f3 ngh\u0129a l\u00e0 th\u1ea5u chi \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n giao d\u1ecbch h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n l\u00e0 m\u1ed9t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng c\u00f3 b\u1ea3o \u0111\u1ea3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 trang tr\u1ea3i c\u00e1c kho\u1ea3n thi\u1ebfu h\u1ee5t d\u00f2ng ti\u1ec1n ng\u1eafn h\u1ea1n. Th\u1ea5u chi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng x\u1ea3y ra khi s\u1ed1 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21657"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=21657"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/21657\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=21657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=21657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=21657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}