{"id":30105,"date":"2023-12-07T08:57:32","date_gmt":"2023-12-07T08:57:32","guid":{"rendered":"https:\/\/masterskills.org\/blog\/the-chap-zero-coupon-zero-coupon-mortgage-la-gi-dac-diem.html"},"modified":"2023-12-23T06:11:44","modified_gmt":"2023-12-22T23:11:44","slug":"the-chap-zero-coupon-zero-coupon-mortgage-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/the-chap-zero-coupon-zero-coupon-mortgage-la-gi-dac-diem.html","title":{"rendered":"Th\u1ebf ch\u1ea5p zero-coupon (Zero-coupon mortgage) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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\u1ea2nh minh h\u1ecda. Ngu\u1ed3n: Investopedia.<\/p>\n<\/div>\n<\/div>\n

Th\u1ebf ch\u1ea5p zero-coupon <\/font><\/b><\/h2>\n

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

Th\u1ebf ch\u1ea5p zero-coupon<\/b> ti\u1ebfng Anh l\u00e0 Zero-coupon mortgage.<\/b><\/p>\n

Th\u1ebf ch\u1ea5p zero-coupon <\/b>l\u00e0 m\u1ed9t th\u1ebf ch\u1ea5p th\u01b0\u01a1ng m\u1ea1i d\u00e0i h\u1ea1n, trong \u0111\u00f3 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n thanh to\u00e1n g\u1ed1c v\u00e0 l\u00e3i ch\u1ec9 ph\u1ea3i thanh to\u00e1n khi \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n.<\/p>\n

C\u1ea5u tr\u00fac c\u1ee7a kho\u1ea3n vay c\u00f3 \u0111\u1eb7c \u0111i\u1ec3m d\u1ed3n t\u00edch, c\u00f3 ngh\u0129a l\u00e0 ti\u1ec1n l\u00e3i \u0111\u1ebfn h\u1ea1n \u0111\u01b0\u1ee3c g\u1ed9p v\u00e0o c\u00f9ng s\u1ed1 ti\u1ec1n c\u00f2n n\u1ee3. Khi \u0111\u00e1o h\u1ea1n, ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn tr\u1ea3 h\u1ebft n\u1ee3 ho\u1eb7c vay m\u1ed9t kho\u1ea3n vay kh\u00e1c v\u1edbi l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i. <\/p>\n

Th\u1ebf ch\u1ea5p zero-coupon ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn t\u1ea1i M\u1ef9.\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Th\u1ebf ch\u1ea5p zero-coupon<\/font><\/b><\/h3>\n

C\u00e1c d\u1ef1 \u00e1n th\u01b0\u01a1ng m\u1ea1i s\u1eed d\u1ee5ng c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p zero-coupon, b\u1edfi v\u00ec d\u00f2ng ti\u1ec1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 kho\u1ea3n n\u1ee3 c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 s\u1eb5n cho \u0111\u1ebfn khi d\u1ef1 \u00e1n g\u1ea7n ho\u00e0n th\u00e0nh. V\u00ed d\u1ee5 nh\u01b0 s\u00e2n v\u1eadn \u0111\u1ed9ng th\u1ec3 thao, n\u01a1i s\u1ebd kh\u00f4ng c\u00f3 doanh thu cho \u0111\u1ebfn khi ho\u00e0n th\u00e0nh x\u00e2y d\u1ef1ng v\u00e0 c\u00f3 th\u1ec3 t\u1ed5 ch\u1ee9c c\u00e1c s\u1ef1 ki\u1ec7n.<\/p>\n

V\u00ec t\u1ed5ng ti\u1ec1n l\u00e3i c\u1ed9ng v\u1edbi ti\u1ec1n n\u1ee3 g\u1ed1c ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eadn b\u1edfi ng\u01b0\u1eddi cho vay khi kho\u1ea3n vay \u0111\u00e1o h\u1ea1n, do \u0111\u00f3\u00a0r\u1ee7i ro t\u00edn d\u1ee5ng\u00a0cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng. Ng\u01b0\u1eddi cho vay th\u01b0\u1eddng cung c\u1ea5p h\u00ecnh th\u1ee9c t\u00e0i tr\u1ee3 n\u00e0y cho nh\u1eefng ng\u01b0\u1eddi vay th\u01b0\u01a1ng m\u1ea1i c\u00f3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng s\u1ea1ch. Ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 tr\u1ea3 ti\u1ec1n cho m\u1ed9t d\u1ef1 \u00e1n th\u01b0\u01a1ng m\u1ea1i v\u1edbi d\u00f2ng ti\u1ec1n nh\u1ecf h\u01a1n, v\u1edbi k\u00ec v\u1ecdng r\u1eb1ng gi\u00e1 tr\u1ecb ti\u1ec1m n\u0103ng c\u1ee7a t\u00e0i s\u1ea3n trong v\u00f2ng \u0111\u1eddi c\u1ee7a kho\u1ea3n vay \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 h\u1ebft kho\u1ea3n vay. <\/p>\n

T\u1ea1i M\u1ef9, nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0a th\u00edch th\u1ebf ch\u1ea5p zero-coupon v\u00e0 tr\u00e1i phi\u1ebfu. M\u1ed9t l\u00ed do l\u00e0 v\u00ec ch\u00fang t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn trong th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Ngo\u00e0i ra c\u00f2n m\u1ed9t l\u00ed do n\u1eefa l\u00e0 do ch\u00fang \u0111\u01b0\u1ee3c b\u00e1n v\u1edbi m\u1ee9c gi\u00e1 chi\u1ebft kh\u1ea5u so v\u1edbi m\u1ec7nh gi\u00e1 c\u1ee7a ch\u00fang.\u00a0<\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n thanh to\u00e1n l\u00e3i \u0111\u1ecbnh k\u00ec. Tuy nhi\u00ean, ng\u01b0\u1eddi vay s\u1ebd c\u1ed9ng s\u1ed1 ti\u1ec1n l\u00e3i v\u00e0o s\u1ed1 ti\u1ec1n g\u1ed1c. T\u1ed5ng s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i cho ch\u1ee7 n\u1ee3 khi \u0111\u00e1o h\u1ea1n. Ti\u1ec1n l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n n\u1eeda n\u0103m m\u1ed9t l\u1ea7n v\u00e0 khi gi\u00e1 tr\u1ecb n\u1ee3 g\u1ed1c t\u0103ng l\u00ean, n\u00f3 s\u1ebd t\u1ea1o th\u00e0nh c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i cao h\u01a1n, v\u00e0 \u0111\u01b0\u1ee3c c\u1ed9ng tr\u1edf l\u1ea1i t\u1ed5ng s\u1ed1 ti\u1ec1n g\u1ed1c.<\/p>\n

M\u1ed7i c\u00e1 nh\u00e2n h\u00e0ng n\u0103m \u0111\u1ec1u ph\u1ea3i \u0111\u00f3ng thu\u1ebf thu nh\u1eadp, m\u1eb7c d\u00f9 nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng nh\u1eadn l\u00e3i thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean. Tuy nhi\u00ean, n\u1ebfu nh\u01b0 tho\u1ea3 thu\u1eadn \u0111\u1ea7u t\u01b0 kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t kho\u1ea3n l\u00e3i c\u1ee5 th\u1ec3, th\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd kh\u00f4ng c\u00f3 thu nh\u1eadp ch\u1ecbu thu\u1ebf cho n\u0103m hi\u1ec7n t\u1ea1i. M\u1ed9t lo\u1ea1i h\u00ecnh \u0111\u1ea7u t\u01b0 t\u01b0\u01a1ng t\u1ef1 kh\u00e1c c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ch\u1ee7 y\u1ebfu cho\u00a0T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n\u00a0v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c n\u1eb1m trong di\u1ec7n kh\u00f4ng \u0111\u00e1nh thu\u1ebf thu nh\u1eadp trong n\u0103m hi\u1ec7n t\u1ea1i.<\/p>\n

Th\u1ebf ch\u1ea5p zero-coupon v\u00e0\u00a0tr\u00e1i phi\u1ebfu zero-coupon\u00a0kh\u00f4ng tr\u1ea3 l\u00e3i nh\u01b0ng \u0111\u01b0\u1ee3c giao d\u1ecbch v\u1edbi m\u1ee9c chi\u1ebft kh\u1ea5u s\u00e2u, mang l\u1ea1i l\u1ee3i nhu\u1eadn khi \u0111\u00e1o h\u1ea1n th\u00f4ng qua vi\u1ec7c mua l\u1ea1i tr\u00e1i phi\u1ebfu \u1edf m\u1ee9c gi\u00e1 b\u1eb1ng to\u00e0n b\u1ed9 m\u1ec7nh gi\u00e1 c\u1ee7a n\u00f3. Do \u0111\u00f3, gi\u00e1 c\u1ee7a hai lo\u1ea1i t\u00e0i s\u1ea3n n\u00e0y c\u00f3 xu h\u01b0\u1edbng bi\u1ebfn \u0111\u1ed9ng nhi\u1ec1u h\u01a1n so v\u1edbi gi\u00e1 c\u1ee7a tr\u00e1i phi\u1ebfu. <\/p>\n

(Theo\u00a0Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Th\u1ebf ch\u1ea5p zero-coupon (ti\u1ebfng Anh: Zero-coupon mortgage) l\u00e0 m\u1ed9t th\u1ebf ch\u1ea5p th\u01b0\u01a1ng m\u1ea1i d\u00e0i h\u1ea1n, trong \u0111\u00f3 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n thanh to\u00e1n g\u1ed1c v\u00e0 l\u00e3i ch\u1ec9 ph\u1ea3i thanh to\u00e1n khi \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n. Th\u1ebf ch\u1ea5p zero-coupon ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn t\u1ea1i M\u1ef9.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[417],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30105"}],"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=30105"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30105\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}