{"id":23757,"date":"2023-12-06T08:52:28","date_gmt":"2023-12-06T08:52:28","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chi-phi-khong-linh-hoat-inflexible-expense-trong-chi-tieu-ca-nhan-la-gi-dac-diem.html"},"modified":"2023-12-22T09:04:26","modified_gmt":"2023-12-22T02:04:26","slug":"chi-phi-khong-linh-hoat-inflexible-expense-trong-chi-tieu-ca-nhan-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chi-phi-khong-linh-hoat-inflexible-expense-trong-chi-tieu-ca-nhan-la-gi-dac-diem.html","title":{"rendered":"Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t (Inflexible Expense) trong chi ti\u00eau c\u00e1 nh\u00e2n l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
\n
\n
<\/div>
\n

(\u1ea2nh minh h\u1ecda: Investopedia)<\/p>\n<\/figcaption><\/figure>\n

Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/b> trong ti\u1ebfng Anh l\u00e0 Inflexible Expense<\/b>.<\/p>\n

Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/b> l\u00e0 chi ph\u00ed kh\u00f4ng th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1eb7c kh\u00f4ng lo\u1ea1i b\u1ecf \u0111\u01b0\u1ee3c b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/font><\/h3>\n

Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/b> l\u00e0 m\u1ed9t kho\u1ea3n thanh to\u00e1n ho\u1eb7c n\u1ee3 ph\u1ea3i tr\u1ea3 \u0111\u1ecbnh k\u00ec. Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ed1 \u0111\u1ecbnh m\u00e0 lu\u1ed3ng thanh to\u00e1n kh\u00f4ng th\u1ec3 thay \u0111\u1ed5i.<\/p>\n

\u0110\u1ed1i v\u1edbi m\u1ed9t c\u00e1 nh\u00e2n, chi ph\u00ed kh\u00f4ng linh ho\u1ea1t, \u0111i\u1ec3n h\u00ecnh l\u00e0 ti\u1ec1n th\u1ebf ch\u1ea5p ho\u1eb7c ti\u1ec1n thanh to\u00e1n xe h\u01a1i, ti\u1ec1n c\u1ea5p d\u01b0\u1ee1ng ho\u1eb7c h\u1ed7 tr\u1ee3 nu\u00f4i con, ti\u1ec1n c\u00f3 l\u1ecbch tr\u1ea3 n\u1ee3 c\u1ed1 \u0111\u1ecbnh theo s\u1ed1 ti\u1ec1n v\u00e0 th\u1eddi gian.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty, chi ph\u00ed\u00a0l\u00e3i vay\u00a0ph\u1ea3i tr\u1ea3 v\u00e0 ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a nh\u00e2n vi\u00ean s\u1ebd l\u00e0 chi ph\u00ed kh\u00f4ng linh ho\u1ea1t.<\/p>\n

Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi chi ph\u00ed kh\u00f4ng linh ho\u1ea1t l\u00e0\u00a0chi ph\u00ed linh ho\u1ea1t\u00a0(Flexible expense) l\u00e0 s\u1ed1 ti\u1ec1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng thay \u0111\u1ed5i ho\u1eb7c tr\u00e1nh \u0111\u01b0\u1ee3c b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\u00a0<\/p>\n

V\u00ed d\u1ee5, gi\u1ea3i tr\u00ed v\u00e0 qu\u1ea7n \u00e1o l\u00e0 chi ph\u00ed linh ho\u1ea1t. Ngay c\u1ea3 c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u00e0ng t\u1ea1p h\u00f3a, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 linh ho\u1ea1t b\u1edfi v\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh s\u1ed1 ti\u1ec1n chi ti\u00eau v\u00e0o h\u00e0ng h\u00f3a \u0111\u00f3.<\/p>\n

\u0110i\u1ec1u ki\u1ec7n cho vay<\/font><\/h3>\n

Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t<\/b> l\u00e0 m\u1ed9t trong m\u1ed9t s\u1ed1 ti\u00eau ch\u00ed \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0 cho vay xem x\u00e9t trong vi\u1ec7c c\u1ea5p c\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n, th\u1ebf ch\u1ea5p ho\u1eb7c cho vay t\u1ef1 \u0111\u1ed9ng.\u00a0<\/p>\n

C\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, n\u00ean \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 x\u00e9t cho vay s\u1ebd nghi\u00eam ng\u1eb7t h\u01a1n.<\/p>\n

\u1ede M\u1ef9, ng\u01b0\u1eddi cho vay th\u01b0\u1eddng xem x\u00e9t c\u00e1c ti\u00eau ch\u00ed \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c \u0111\u01a1n xin cho vay c\u1ee7a c\u00e1 nh\u00e2n, bao g\u1ed3m:\u00a0\u0111i\u1ec3m t\u00edn d\u1ee5ng; m\u1ee9c thu nh\u1eadp hi\u1ec7n t\u1ea1i; l\u1ecbch s\u1eed vi\u1ec7c l\u00e0m v\u00e0 vi\u1ec7c tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng.<\/p>\n

\u1ede Vi\u1ec7t Nam, \u0111i\u1ec1u ki\u1ec7n l\u00e0 c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c t\u00edn ch\u1ea5p: l\u00e0 c\u00f4ng d\u00e2n Vi\u1ec7t Nam; c\u00f3 thu nh\u1eadp \u1ed5n \u0111\u1ecbnh; kh\u00f4ng c\u00f3 n\u1ee3 x\u1ea5u.<\/p>\n

\u0110i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n khi tr\u1ea3 m\u1ed9t ph\u1ea7n n\u1ee3 v\u00e0 t\u0103ng gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng hi\u1ec7n t\u1ea1i. C\u1ea3 hai \u0111\u1ec1u gi\u00fap c\u1ea3i thi\u1ec7n t\u1ec9 l\u1ec7 n\u1ee3 tr\u00ean gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng v\u00e0 c\u00f3 th\u1ec3 chi\u1ebfm t\u1edbi 30% \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n

Ng\u01b0\u1eddi cho vay ki\u1ec3m tra ch\u1eb7t ch\u1ebd c\u00e1c ngu\u1ed3n thu nh\u1eadp hi\u1ec7n t\u1ea1i v\u00e0 chi ph\u00ed h\u00e0ng th\u00e1ng c\u1ee7a c\u00e1 nh\u00e2n. Ngay c\u1ea3 khi ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n c\u00f3 thu nh\u1eadp cao, ng\u01b0\u1eddi cho vay \u0111o l\u01b0\u1eddng n\u1ee3 b\u1eb1ng c\u00e1ch \u0111\u00e1nh gi\u00e1 s\u1ed1 ti\u1ec1n tr\u00ean th\u1ebb t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 \u0111\u00e1nh gi\u00e1 chi ph\u00ed kh\u00f4ng linh ho\u1ea1t.<\/p>\n

H\u1ec7 s\u1ed1 n\u1ee3 tr\u00ean thu nh\u1eadp\u00a0(Debt-to-income ratio) b\u1eb1ng t\u1ed5ng thanh to\u00e1n n\u1ee3 h\u00e0ng th\u00e1ng chia cho t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng.<\/p>\n

V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi \u0111i vay c\u00f3 $6.000 thu nh\u1eadp h\u00e0ng th\u00e1ng v\u00e0 $2.000 thanh to\u00e1n n\u1ee3 h\u00e0ng th\u00e1ng th\u00ec s\u1ebd c\u00f3 t\u1ec9 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp l\u00e0 33%.<\/p>\n

Ng\u01b0\u1eddi cho vay cho ph\u00e9p h\u1ec7 s\u1ed1 n\u1ee3 tr\u00ean thu nh\u1eadp kh\u00f4ng qu\u00e1 43%.<\/p>\n

Ng\u01b0\u1eddi cho vay \u0111\u1ed3ng th\u1eddi c\u0169ng y\u00eau c\u1ea7u b\u1eb1ng ch\u1ee9ng x\u00e1c minh v\u1ec1 c\u00f4ng vi\u1ec7c c\u00f3 thu nh\u1eadp li\u00ean t\u1ee5c v\u00e0 \u1ed5n \u0111\u1ecbnh. Nh\u1eefng \u1ee9ng vi\u00ean l\u00e0m vi\u1ec7c t\u1ef1 do s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 c\u00e2n nh\u1eafc k\u0129 h\u01a1n.<\/p>\n

Kho\u1ea3n tr\u1ea3 h\u00e0ng th\u00e1ng\u00a0(Equated monthly installment) l\u00e0 kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng \u0111\u1ec3 tr\u1ea3 h\u1ebft kho\u1ea3n n\u1ee3 c\u1ee7a ng\u01b0\u1eddi vay, v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t v\u00e0 th\u1eddi gian vay.<\/p>\n

Ng\u01b0\u1eddi cho vay c\u0169ng ki\u1ec3m tra l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3. C\u00e1c kho\u1ea3n n\u1ee3 ch\u01b0a thanh to\u00e1n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng trong t\u1ed1i \u0111a 07 n\u0103m, theo lu\u1eadt M\u1ef9, v\u00e0 \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 h\u1ea1n ch\u1ebf \u0111i\u1ec1u ki\u1ec7n cho vay.<\/p>\n

(Theo Investopedia)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Chi ph\u00ed kh\u00f4ng linh ho\u1ea1t (ti\u1ebfng Anh: Inflexible Expense) l\u00e0 chi ph\u00ed kh\u00f4ng th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ho\u1eb7c kh\u00f4ng lo\u1ea1i b\u1ecf \u0111\u01b0\u1ee3c b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23757"}],"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=23757"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23757\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=23757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=23757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=23757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}