{"id":31306,"date":"2023-12-07T10:31:08","date_gmt":"2023-12-07T10:31:08","guid":{"rendered":"https:\/\/masterskills.org\/blog\/nghia-vu-no-cam-co-the-chap-collateralized-mortgage-obligation-cmo-la-gi.html"},"modified":"2023-12-23T08:01:19","modified_gmt":"2023-12-23T01:01:19","slug":"nghia-vu-no-cam-co-the-chap-collateralized-mortgage-obligation-cmo-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/nghia-vu-no-cam-co-the-chap-collateralized-mortgage-obligation-cmo-la-gi.html","title":{"rendered":"Ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p (Collateralized Mortgage Obligation – CMO) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: Advancedpersonalloan.com<\/p>\n<\/div>\n<\/div>\n

Ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p<\/font><\/h2>\n

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

Ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p<\/b>, ti\u1ebfng Anh g\u1ecdi l\u00e0 collateralized mortgage obligation<\/b>, vi\u1ebft t\u1eaft l\u00e0 CMO<\/b>.<\/p>\n

Ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p (CMO)<\/b>\u00a0l\u00e0 m\u1ed9t d\u1ea1ng ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p. N\u00f3 bao g\u1ed3m m\u1ed9t r\u1ed5 c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c gom l\u1ea1i v\u00e0 b\u00e1n nh\u01b0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0.<\/p>\n

\u0110\u01b0\u1ee3c s\u1eafp x\u1ebfp d\u1ef1a theo ng\u00e0y \u0111\u00e1o h\u1ea1n v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n t\u1eeb s\u1ef1 thanh to\u00e1n c\u1ee7a c\u00e1c kho\u1ea3n vay c\u1ea7m c\u1ed1 \u0111\u01b0\u1ee3c th\u1ebf ch\u1ea5p trong ch\u1ee9ng kho\u00e1n n\u00e0y.<\/p>\n

CMO<\/b> s\u1ebd ph\u00e2n ph\u1ed1i c\u00e1c kho\u1ea3n chi tr\u1ea3 v\u1ed1n v\u00e0 l\u00e3i su\u1ea5t cho nh\u00e0 \u0111\u1ea7u t\u01b0 theo m\u1ed9t qui \u0111\u1ecbnh v\u00e0 th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c cam k\u1ebft tr\u01b0\u1edbc.<\/p>\n

Hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p<\/font><\/h3>\n

CMO<\/b> bao g\u1ed3m nhi\u1ec1u \u0111\u1ee3t (tranche) – l\u00e0 c\u00e1c nh\u00f3m kho\u1ea3n n\u1ee3 c\u1ea7m c\u1ed1 kh\u00e1c nhau \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a ch\u00fang. V\u00ec l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh ph\u1ee9c t\u1ea1p, n\u00ean c\u00e1c \u0111\u1ee3t th\u01b0\u1eddng s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb v\u1ed1n, l\u00e3i su\u1ea5t, ng\u00e0y \u0111\u00e1o h\u1ea1n v\u00e0 r\u1ee7i ro v\u1ee1 n\u1ee3 kh\u00e1c nhau.<\/p>\n

CMO<\/b> r\u1ea5t nh\u1ea1y c\u1ea3m v\u1edbi c\u00e1c bi\u1ebfn \u0111\u1ed9ng trong l\u00e3i su\u1ea5t hay \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf, v\u00ed d\u1ee5 nh\u01b0 t\u1ec9 l\u1ec7 t\u00e0i s\u1ea3n b\u1ecb t\u1ecbch thu, t\u1ec9 l\u1ec7 \u0111\u1ea3o n\u1ee3,\u2026<\/p>\n

M\u1ed7i \u0111\u1ee3t s\u1ebd c\u00f3 ng\u00e0y \u0111\u00e1o h\u1ea1n v\u00e0 gi\u00e1 tr\u1ecb kh\u00e1c nhau. M\u1ed9t tr\u00e1i phi\u1ebfu chi tr\u1ea3 l\u00e3i coupon h\u00e0ng th\u00e1ng s\u1ebd \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh d\u1ef1a theo n\u00f3. L\u00e3i coupon n\u00e0y bao g\u1ed3m m\u1ed9t ph\u1ea7n v\u1ed1n v\u00e0 l\u00e3i su\u1ea5t.<\/p>\n

\u0110\u1ec3 d\u1ec5 h\u00ecnh dung h\u01a1n, h\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang s\u1edf h\u1eefu ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p<\/b> \u0111\u01b0\u1ee3c t\u1ea1o n\u00ean t\u1eeb h\u00e0ng ng\u00e0n c\u00e1c kho\u1ea3n vay c\u1ea7m c\u1ed1 kh\u00e1c nhau. L\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng c\u1ee7a anh \u1ea5y s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c ng\u01b0\u1eddi \u0111i vay c\u00e1c kho\u1ea3n vay c\u1ea7m c\u1ed1 \u0111\u00f3 c\u00f3 tr\u1ea3 n\u1ee3 hay kh\u00f4ng.\u00a0<\/p>\n

N\u1ebfu ch\u1ec9 m\u1ed9t \u00edt trong s\u1ed1 \u0111\u00f3 v\u1ee1 n\u1ee3, nh\u1eefng ng\u01b0\u1eddi c\u00f2n l\u1ea1i \u0111\u1ec1u thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 th\u00ec anh \u1ea5y s\u1ebd nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c v\u1ed1n c\u0169ng nh\u01b0 c\u00f3 \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn. Nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i n\u1ebfu c\u00f3 h\u00e0ng ng\u00e0n ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 b\u1ecb t\u1ecbch thu t\u00e0i s\u1ea3n th\u00ec ngh\u0129a v\u1ee5 c\u1ea7m th\u1ebf ch\u1ea5p s\u1ebd b\u1ecb m\u1ea5t ti\u1ec1n v\u00e0 kh\u00f4ng th\u1ec3 chi tr\u1ea3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0y.<\/p>\n

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

\n Ngh\u0129a v\u1ee5 n\u1ee3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p (ti\u1ebfng Anh: Collateralized mortgage obligation, vi\u1ebft t\u1eaft: CMO) l\u00e0 m\u1ed9t d\u1ea1ng ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p. N\u00f3 bao g\u1ed3m m\u1ed9t r\u1ed5 c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c gom l\u1ea1i v\u00e0 b\u00e1n nh\u01b0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0.\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\/31306"}],"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=31306"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31306\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}