{"id":30333,"date":"2023-12-07T09:10:54","date_gmt":"2023-12-07T09:10:54","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chi-phi-ma-sat-friction-cost-la-gi-mot-so-can-nhac-ve-chi-phi-ma-sat.html"},"modified":"2023-12-23T06:12:45","modified_gmt":"2023-12-22T23:12:45","slug":"chi-phi-ma-sat-friction-cost-la-gi-mot-so-can-nhac-ve-chi-phi-ma-sat","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chi-phi-ma-sat-friction-cost-la-gi-mot-so-can-nhac-ve-chi-phi-ma-sat.html","title":{"rendered":"Chi ph\u00ed ma s\u00e1t (Friction Cost) l\u00e0 g\u00ec? M\u1ed9t s\u1ed1 c\u00e2n nh\u1eafc v\u1ec1 chi ph\u00ed ma s\u00e1t"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Fluper.com<\/p>\n<\/figcaption><\/figure>\n

Chi ph\u00ed ma s\u00e1t<\/span><\/font><\/h2>\n

Kha\u0301i ni\u00ea\u0323m<\/b><\/p>\n

Chi ph\u00ed ma s\u00e1t<\/span><\/b> trong ti\u00ea\u0301ng Anh la\u0300 Friction Cost.<\/b><\/p>\n

Chi ph\u00ed ma s\u00e1t<\/span> <\/b>l\u00e0 t\u1ed5ng c\u00e1c chi ph\u00ed tr\u1ef1c ti\u1ebfp v\u00e0 chi ph\u00ed gi\u00e1n ti\u1ebfp li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n m\u1ed9t giao d\u1ecbch t\u00e0i ch\u00ednh. Chi ph\u00ed ma s\u00e1t<\/span> xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn m\u1ed9t giao d\u1ecbch m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n.\u00a0<\/p>\n

T\u00ednh to\u00e1n chi ph\u00ed ma s\u00e1t<\/span> cho ph\u00e9p nh\u00e0 \u0111\u1ea7u t\u01b0 d\u1ef1 \u0111o\u00e1n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c chi ph\u00ed m\u00e0 h\u1ecd c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu. \u00a0\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m chi ph\u00ed ma s\u00e1t<\/span><\/font><\/h3>\n

Chi ph\u00ed ma s\u00e1t<\/span><\/b> c\u00f3 th\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e1nh gi\u00e1 m\u1ed9t giao d\u1ecbch t\u1eeb m\u1ecdi g\u00f3c \u0111\u1ed9 c\u00f3 th\u1ec3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u1ea5t c\u1ea3 c\u00e1c\u00a0chi ph\u00ed tr\u1ef1c ti\u1ebfp\u00a0v\u00e0 gi\u00e1n ti\u1ebfp.\u00a0<\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p chi ph\u00ed ma s\u00e1t<\/span> l\u00e0 ph\u00e9p t\u00ednh to\u00e1n chi ph\u00ed to\u00e0n di\u1ec7n nh\u1ea5t m\u00e0 m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng khi xem x\u00e9t m\u1ed9t giao d\u1ecbch c\u00f3 ti\u1ec1m n\u0103ng hay kh\u00f4ng.\u00a0<\/p>\n

S\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p chi ph\u00ed ma s\u00e1t<\/span> khi so s\u00e1nh c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 ho\u1eb7c ng\u01b0\u1eddi \u0111i vay \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u00e0 lo\u1ea1i tr\u1eeb c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 chi ph\u00ed cao. \u00a0\u00a0<\/p>\n

M\u1ed9t s\u1ed1 c\u00e2n nh\u1eafc v\u1ec1 chi ph\u00ed ma s\u00e1t<\/span>\u00a0<\/font><\/h3>\n

Khi t\u00ednh to\u00e1n chi ph\u00ed ma s\u00e1t<\/span><\/b>, m\u1ed9t lo\u1ea1t c\u00e1c chi ph\u00ed c\u1ee7a m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t.\u00a0<\/p>\n

N\u1ebfu nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c\u00a0qu\u0129 t\u01b0\u01a1ng h\u1ed7\u00a0th\u00f4ng qua m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi to\u00e0n ph\u1ea7n, chi ph\u00ed ma s\u00e1t<\/span> c\u00f3 th\u1ec3 bao g\u1ed3m\u00a0ph\u00ed hoa h\u1ed3ng\u00a0v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c \u0111i k\u00e8m v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb \u0111\u1ea7u t\u01b0.\u00a0 <\/p>\n

C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng c\u00f3 th\u1ec3 b\u1ecf qua gi\u00e1 tr\u1ecb ch\u1ee7 quan c\u1ee7a h\u1ecd trong chi ph\u00ed \u0111\u1ea7u t\u01b0, do \u0111\u00f3, t\u1ed5ng gi\u00e1 tr\u1ecb chi ph\u00ed ma s\u00e1t<\/span> th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ed9t s\u1ed1 gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi nh\u00e0 \u0111\u1ea7u t\u01b0. \u00a0\u00a0<\/p>\n

Ph\u00e2n t\u00edch c\u00e1c Quy\u1ec1n ch\u1ecdn t\u00edn d\u1ee5ng<\/font><\/h3>\n

C\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng thay th\u1ebf l\u00e0 m\u1ed9t trong nh\u1eefng danh m\u1ee5c quan tr\u1ecdng th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p t\u00ednh to\u00e1n chi ph\u00ed ma s\u00e1t<\/span><\/b> \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh.\u00a0<\/p>\n

C\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng th\u01b0\u1eddng bao g\u1ed3m nhi\u1ec1u lo\u1ea1i ph\u00ed kh\u00e1c nhau khi\u1ebfn cho vi\u1ec7c ph\u00e2n t\u00edch chi ph\u00ed ma s\u00e1t<\/span> tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n.\u00a0<\/p>\n

V\u00ed d\u1ee5 nh\u01b0 m\u1ed9t kho\u1ea3n vay th\u1ebf ch\u1ea5p c\u0169ng bao g\u1ed3m nhi\u1ec1u chi ph\u00ed trong \u0111\u00f3 c\u00e1c chi ph\u00ed c\u01a1 b\u1ea3n l\u00e0 ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i \u0111\u1ecbnh k\u00ec ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi cho vay.\u00a0<\/p>\n

C\u00e1c chi ph\u00ed kh\u00e1c trong chi ph\u00ed ma s\u00e1t<\/span> c\u00f3 th\u1ec3 l\u00e0 ph\u00ed n\u1ed9p \u0111\u01a1n,\u00a0ph\u00ed gia nh\u1eadp, ph\u00ed m\u00f4i gi\u1edbi,\u00a0ph\u00ed th\u1ea9m \u0111\u1ecbnh, ph\u00ed b\u00e1o c\u00e1o t\u00edn d\u1ee5ng, ph\u00ed d\u1ecbch v\u1ee5 thu\u1ebf,\u00a0ph\u00ed b\u1ea3o l\u00e3nh, ph\u00ed chu\u1ea9n b\u1ecb t\u00e0i li\u1ec7u, ph\u00ed chuy\u1ec3n kho\u1ea3n v\u00e0\u00a0ph\u00ed qu\u1ea3n l\u00ed.\u00a0<\/p>\n

Th\u00f4ng th\u01b0\u1eddng c\u00e1c kho\u1ea3n ph\u00ed n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c nh\u00f3m trong m\u1ed9t m\u1ee9c l\u1ec7 ph\u00ed duy nh\u1ea5t, tuy nhi\u00ean ch\u00fang c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ee9ng ri\u00eang.\u00a0<\/p>\n

Vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u00f4ng ch\u1ec9 ti\u1ec1n l\u00e3i t\u00ednh cho kho\u1ea3n vay th\u1ebf ch\u1ea5p m\u00e0 c\u1ea3 c\u00e1c chi ph\u00ed kh\u00e1c c\u1ee7a chi ph\u00ed ma s\u00e1t<\/span> gi\u00fap ng\u01b0\u1eddi \u0111i vay hi\u1ec3u t\u1ed5ng chi ph\u00ed c\u1ee7a h\u1ecd v\u00e0 c\u0169ng c\u00f3 th\u1ec3 so s\u00e1nh v\u1edbi chi ph\u00ed c\u1ee7a c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf. \u00a0\u00a0<\/i><\/p>\n

Ph\u00e2n t\u00edch chi ph\u00ed ma s\u00e1t<\/span> c\u0169ng \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi xem x\u00e9t c\u00e1c kho\u1ea3n vay thay th\u1ebf. V\u00ed d\u1ee5 c\u00e1c\u00a0kho\u1ea3n cho vay Payday\u00a0c\u00f3 th\u1ec3 t\u00ednh ph\u00ed cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 l\u00ean \u0111\u1ebfn 400% ti\u1ec1n l\u00e3i h\u00e0ng n\u0103m.\u00a0<\/p>\n

Khi c\u1ed9ng t\u1ea5t c\u1ea3 ti\u1ec1n g\u1ed1c, ti\u1ec1n l\u00e3i v\u1edbi c\u00e1c lo\u1ea1i ph\u00ed ban \u0111\u1ea7u, ph\u00ed d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c li\u00ean quan \u0111\u1ebfn kho\u1ea3n cho vay payday khi\u1ebfn cho c\u00e1c th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng kh\u00e1c h\u1ea5p d\u1eabn h\u01a1n trong m\u1eaft ng\u01b0\u1eddi \u0111i vay.\u00a0 \u00a0<\/i><\/p>\n

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

\n Chi ph\u00ed ma s\u00e1t (ti\u1ebfng Anh: Friction Cost) l\u00e0 t\u1ed5ng c\u00e1c chi ph\u00ed tr\u1ef1c ti\u1ebfp v\u00e0 chi ph\u00ed gi\u00e1n ti\u1ebfp li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n m\u1ed9t giao d\u1ecbch t\u00e0i ch\u00ednh. Chi ph\u00ed ma s\u00e1t xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn m\u1ed9t giao d\u1ecbch m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n.\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\/30333"}],"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=30333"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/30333\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=30333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=30333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=30333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}