{"id":34914,"date":"2023-12-08T07:42:12","date_gmt":"2023-12-08T07:42:12","guid":{"rendered":"https:\/\/masterskills.org\/blog\/the-chap-dau-tien-first-mortgage-la-gi-dac-diem.html"},"modified":"2023-12-23T20:58:13","modified_gmt":"2023-12-23T13:58:13","slug":"the-chap-dau-tien-first-mortgage-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/the-chap-dau-tien-first-mortgage-la-gi-dac-diem.html","title":{"rendered":"Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean (First Mortgage) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
\n
\n
<\/div>
\n

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

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/font><\/h2>\n

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

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b> trong ti\u1ebfng Anh l\u00e0 First Mortgage<\/b> hay First Lien.<\/b>\u00a0\u00a0<\/p>\n

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b> l\u00e0 kho\u1ea3n vay ban \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n, \u0111\u01b0\u1ee3c \u01b0u ti\u00ean h\u01a1n t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c khi\u1ebfu n\u1ea1i kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p v\u1ee1 n\u1ee3.<\/p>\n

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ebf ch\u1ea5p t\u1ea1i ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean c\u1ee7a ng\u01b0\u1eddi vay, \u0111\u00f3 l\u00e0 th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n. <\/p>\n

N\u1ebfu ng\u00f4i nh\u00e0 \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5p v\u1ed1n, th\u1ebf ch\u1ea5p t\u00e1i c\u1ea5p v\u1ed1n \u0111\u1ea3m nh\u1eadn v\u1ecb tr\u00ed th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/font><\/h3>\n

Khi m\u1ed9t c\u00e1 nh\u00e2n mu\u1ed1n mua m\u1ed9t t\u00e0i s\u1ea3n, h\u1ecd c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh mua b\u1eb1ng c\u00e1ch vay t\u1eeb m\u1ed9t t\u1ed5 ch\u1ee9c cho vay.<\/p>\n

Ng\u01b0\u1eddi cho vay hi v\u1ecdng kho\u1ea3n vay mua nh\u00e0 ho\u1eb7c th\u1ebf ch\u1ea5p s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 h\u1eb1ng th\u00e1ng, bao g\u1ed3m ti\u1ec1n g\u1ed1c l\u1eabn ti\u1ec1n l\u00e3i.<\/p>\n

Ng\u01b0\u1eddi cho vay s\u1ebd c\u00f3 quy\u1ec1n c\u1ea7m gi\u1eef t\u00e0i s\u1ea3n k\u1ec3 t\u1eeb khi kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1edfi ng\u00f4i nh\u00e0. Kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi ng\u01b0\u1eddi mua nh\u00e0 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean.<\/b><\/p>\n

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean l\u00e0 kho\u1ea3n vay ban \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n.<\/p>\n

Ng\u01b0\u1eddi mua nh\u00e0 c\u00f3 th\u1ec3 s\u1edf h\u1eefu nhi\u1ec1u t\u00e0i s\u1ea3n \u0111\u1ee9ng d\u01b0\u1edbi t\u00ean c\u1ee7a h\u1ecd, tuy nhi\u00ean th\u1ebf ch\u1ea5p ban \u0111\u1ea7u \u0111\u01b0\u1ee3c l\u1ea5y ra \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c m\u1edbi l\u00e0 th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean.<\/i><\/p>\n

Thu\u1eadt ng\u1eef “th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean” khi\u1ebfn ng\u01b0\u1eddi ta hi\u1ec3u r\u1eb1ng c\u00f3 th\u1ec3 c\u00f3 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p kh\u00e1c tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n.<\/p>\n

M\u1ed9t ch\u1ee7 nh\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ed9t th\u1ebf ch\u1ea5p kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1ebf ch\u1ea5p th\u1ee9 hai, trong khi th\u1ebf ch\u1ea5p ban \u0111\u1ea7u v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c.<\/p>\n

Th\u1ebf ch\u1ea5p th\u1ee9 hai v\u00e0 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p ti\u1ebfp theo \u0111\u01b0\u1ee3c \u0111\u01b0a ra tr\u00ean c\u00f9ng m\u1ed9t t\u00e0i s\u1ea3n \u0111\u1ec1u ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n tr\u01b0\u1edbc khi c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p th\u1ee9 c\u1ea5p \u0111\u01b0\u1ee3c thanh to\u00e1n trong tr\u01b0\u1eddng h\u1ee3p v\u1ee1 n\u1ee3.<\/p>\n

Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean v\u00e0 T\u1ec9 l\u1ec7 cho vay tr\u00ean gi\u00e1 tr\u1ecb<\/font><\/h3>\n

N\u1ebfu t\u1ec9 l\u1ec7 cho vay tr\u00ean gi\u00e1 tr\u1ecb (Loan to value – LTV) c\u1ee7a kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b> l\u1edbn h\u01a1n 80%, ng\u01b0\u1eddi cho vay th\u01b0\u1eddng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p c\u00e1 nh\u00e2n.<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady, \u0111\u00f4i khi ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n qui m\u00f4 c\u1ee7a kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c 80% LTV v\u00e0 s\u1eed d\u1ee5ng ngu\u1ed3n t\u00e0i ch\u00ednh th\u1ee9 c\u1ea5p \u0111\u1ec3 vay s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i c\u1ea7n thi\u1ebft.<\/p>\n

T\u00ednh kinh t\u1ebf c\u1ee7a vi\u1ec7c tr\u1ea3 b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p c\u00e1 nh\u00e2n so v\u1edbi s\u1eed d\u1ee5ng kho\u1ea3n vay th\u1ee9 hai ph\u1ea7n l\u1edbn ph\u1ee5 thu\u1ed9c v\u00e0o t\u1ed1c \u0111\u1ed9 m\u00e0 ng\u01b0\u1eddi vay k\u00ec v\u1ecdng gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 c\u1ee7a h\u1ecd s\u1ebd t\u0103ng l\u00ean.<\/p>\n

Thu\u1ebf \u0111\u00e1nh v\u00e0o Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/font><\/h3>\n

L\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p \u0111\u00e1nh v\u00e0o kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b> \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ch\u1ee7 nh\u00e0 c\u00f3 th\u1ec3 gi\u1ea3m thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a h\u1ecd b\u1eb1ng s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u00e3 tr\u1ea3 cho kho\u1ea3n vay cho n\u0103m t\u00ednh thu\u1ebf.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c kh\u1ea5u tr\u1eeb thu\u1ebf l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho nh\u1eefng ng\u01b0\u1eddi n\u1ed9p thu\u1ebf ghi r\u00f5 chi ph\u00ed tr\u00ean t\u1edd khai thu\u1ebf c\u1ee7a h\u1ecd.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b><\/font><\/p>\n

N\u1ebfu ng\u01b0\u1eddi mua nh\u00e0 \u0111\u1ea3m b\u1ea3o kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean<\/b> tr\u1ecb gi\u00e1 250.000 USD cho m\u1ed9t ng\u00f4i nh\u00e0 v\u00e0 sau v\u00e0i n\u0103m, c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n th\u1ebf ch\u1ea5p th\u1ee9 hai v\u1edbi gi\u00e1 30.000 USD tr\u00ean c\u00f9ng m\u1ed9t t\u00e0i s\u1ea3n, th\u00ec kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean s\u1ebd c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n th\u1ebf ch\u1ea5p th\u1ee9 hai.<\/p>\n

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

\n Th\u1ebf ch\u1ea5p \u0111\u1ea7u ti\u00ean (ti\u1ebfng Anh: First Mortgage) l\u00e0 kho\u1ea3n vay ban \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n, \u0111\u01b0\u1ee3c \u01b0u ti\u00ean h\u01a1n t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c khi\u1ebfu n\u1ea1i kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p v\u1ee1 n\u1ee3.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[420],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34914"}],"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=34914"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34914\/revisions"}],"predecessor-version":[{"id":68196,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34914\/revisions\/68196"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=34914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=34914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=34914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}