{"id":34944,"date":"2023-12-08T07:44:09","date_gmt":"2023-12-08T07:44:09","guid":{"rendered":"https:\/\/masterskills.org\/blog\/diem-khoa-so-closing-points-la-gi-dac-diem-cua-diem-khoa-so.html"},"modified":"2023-12-23T20:58:24","modified_gmt":"2023-12-23T13:58:24","slug":"diem-khoa-so-closing-points-la-gi-dac-diem-cua-diem-khoa-so","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/diem-khoa-so-closing-points-la-gi-dac-diem-cua-diem-khoa-so.html","title":{"rendered":"\u0110i\u1ec3m kho\u00e1 s\u1ed5 (Closing Points) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a \u0110i\u1ec3m kho\u00e1 s\u1ed5"},"content":{"rendered":"
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\u1ea2nh minh ho\u1ea1. Ngu\u1ed3n: Crosswordology<\/p>\n<\/div>\n<\/div>\n

\u0110i\u1ec3m kho\u00e1 s\u1ed5<\/font><\/h2>\n

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

\u0110i\u1ec3m kho\u00e1 s\u1ed5<\/b> trong ti\u1ebfng Anh l\u00e0\u00a0Closing Points. <\/b><\/p>\n

\u0110i\u1ec3m kho\u00e1 s\u1ed5<\/b> l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed tr\u1ea3 cho ng\u01b0\u1eddi cho vay th\u1ebf ch\u1ea5p ho\u1eb7c ng\u01b0\u1eddi m\u00f4i gi\u1edbi \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y kho\u1ea3n chi\u1ebft kh\u1ea5u cho l\u00e3i su\u1ea5t t\u00ednh cho kho\u1ea3n vay th\u1ebf ch\u1ea5p. M\u1ed7i \u0111i\u1ec3m kho\u00e1 s\u1ed5 b\u1eb1ng m\u1ed9t ph\u1ea7n tr\u0103m c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n cho vay.\u00a0<\/p>\n

\u0110i\u1ec3m kho\u00e1 s\u1ed5 \u0111\u01b0\u1ee3c thanh to\u00e1n t\u1ea1i th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac giao d\u1ecbch th\u1ebf ch\u1ea5p. \u0110i\u1ec3m kho\u00e1 s\u1ed5 c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0111i\u1ec3m chi\u1ebft kh\u1ea5u ho\u1eb7c \u0111i\u1ec3m th\u1ebf ch\u1ea5p. \u0110i\u1ec3m kho\u00e1 s\u1ed5 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ed1 ti\u1ec1n kh\u1edfi \u0111i\u1ec3m, m\u00e0 l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed ph\u1ea3i tr\u1ea3 \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed th\u1ef1c hi\u1ec7n m\u1ed9t kho\u1ea3n vay th\u1ebf ch\u1ea5p. <\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a \u0110i\u1ec3m kho\u00e1 s\u1ed5<\/font><\/h3>\n

\u0110i\u1ec3m kh\u00f3a s\u1ed5<\/b>, ho\u1eb7c chi\u1ebft kh\u1ea5u, l\u00e0 s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c tr\u1ea3 khi kho\u00e1 s\u1ed5 \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n cho kho\u1ea3n th\u1ebf ch\u1ea5p. Ch\u00fang gi\u1ed1ng nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c tr\u1ea3 l\u00e3i tr\u01b0\u1edbc, trong \u0111\u00f3 ng\u01b0\u1eddi mua \u0111ang tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ec3 nh\u1eadn m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n trong th\u1eddi h\u1ea1n c\u1ee7a kho\u1ea3n vay.<\/p>\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, \u0111i\u1ec3m kho\u00e1 s\u1ed5 ho\u1eb7c chi\u1ebft kh\u1ea5u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u nh\u01b0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ph\u00ea duy\u1ec7t kho\u1ea3n vay. B\u1edfi v\u00ec l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n s\u1ebd l\u00e0m gi\u1ea3m c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng, d\u1eabn \u0111\u1ebfn m\u1ed9t ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u0103ng k\u00ed kho\u1ea3n vay. S\u1ed1 \u0111i\u1ec3m n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf cho ng\u01b0\u1eddi vay trong Bi\u1ec3u A theo ph\u1ea7n l\u00e3i th\u1ebf ch\u1ea5p.\u00a0<\/p>\n

S\u1ed1 \u0111i\u1ec3m \u0111\u01b0\u1ee3c tr\u1ea3 khi mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb trong n\u0103m mua, trong khi s\u1ed1 \u0111i\u1ec3m d\u00e0nh cho kho\u1ea3n vay t\u00e1i c\u1ea5p v\u1ed1n th\u1ebf ch\u1ea5p \u0111\u00f2i h\u1ecfi ph\u1ea3i chia theo th\u1eddi gian c\u1ee7a kho\u1ea3n vay. S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y mang l\u1ea1i cho \u0111i\u1ec3m kho\u00e1 s\u1ed5 gi\u00e1 tr\u1ecb t\u00e0i ch\u00ednh l\u1edbn h\u01a1n cho ng\u01b0\u1eddi vay so v\u1edbi ch\u1ec9 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c l\u01b0u trong s\u1ed1 ti\u1ec1n l\u00e3i th\u1ea5p h\u01a1n c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng.<\/p>\n

Kh\u00f4ng c\u00f3 m\u1ed1i t\u01b0\u01a1ng quan tr\u1ef1c ti\u1ebfp li\u00ean t\u1ee5c gi\u1eefa s\u1ed1 \u0111i\u1ec3m ph\u1ea3i tr\u1ea3 khi kho\u00e1 s\u1ed5 v\u00e0 chi\u1ebft kh\u1ea5u tr\u00ean l\u00e3i su\u1ea5t. <\/p>\n

L\u1ee3i \u00edch v\u00e0 r\u1ee7i ro c\u1ee7a vi\u1ec7c mua \u0111i\u1ec3m kho\u00e1 s\u1ed5<\/font><\/h3>\n

Mua \u0111i\u1ec3m kho\u00e1 s\u1ed5 <\/b>c\u00f3 th\u1ec3 cho ph\u00e9p ng\u01b0\u1eddi vay gi\u1ea3m \u0111\u00e1ng k\u1ec3 s\u1ed1 ti\u1ec1n l\u00e3i h\u1ecd ph\u1ea3i tr\u1ea3 cho kho\u1ea3n th\u1ebf ch\u1ea5p. H\u1ecd s\u1ebd c\u00f3 kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng nh\u1ecf h\u01a1n c\u0169ng nh\u01b0 chi ti\u00eau l\u00e3i \u00edt h\u01a1n trong su\u1ed1t th\u1eddi gian vay, nh\u01b0ng c\u00f3 nh\u1eefng r\u1ee7i ro trong vi\u1ec7c s\u1eed d\u1ee5ng \u0111i\u1ec3m kho\u00e1 s\u1ed5.<\/p>\n

N\u1ebfu ng\u01b0\u1eddi vay b\u00e1n nh\u00e0 v\u00e0 tr\u1ea3 h\u1ebft ti\u1ec1n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t ph\u1ea3i tr\u1ea3 v\u00e0 chi ph\u00ed c\u1ee7a \u0111i\u1ec3m kho\u00e1 s\u1ed5 \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c c\u00e2n b\u1eb1ng, h\u1ecd c\u00f3 th\u1ec3 m\u1ea5t ti\u1ec1n. Tr\u1ea3 \u0111i\u1ec3m kho\u00e1 s\u1ed5 c\u0169ng s\u1ebd l\u00e0m t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 \u0111\u1ec3 \u0111\u00f3ng th\u1ebf ch\u1ea5p, v\u00ec v\u1eady ng\u01b0\u1eddi mua c\u1ea7n ti\u1ebft ki\u1ec7m ti\u1ec1n cho chi ph\u00ed kho\u00e1 s\u1ed5 kh\u00f4ng n\u00ean mua \u0111i\u1ec3m kho\u00e1 s\u1ed5.<\/p>\n

V\u00ed d\u1ee5: n\u1ebfu s\u1ed1 ti\u1ec1n th\u1ebf ch\u1ea5p l\u00e0 200.000 $ v\u00e0 l\u00e3i su\u1ea5t l\u00e0 6%, kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng l\u00e0 1.482 $ m\u1ed7i th\u00e1ng. Ng\u01b0\u1eddi cho vay cung c\u1ea5p m\u1ed9t ph\u1ea7n tr\u0103m l\u00e3i su\u1ea5t \u0111\u1ec3 tr\u1ea3 ba \u0111i\u1ec3m kho\u00e1 s\u1ed5 (6.000 $), v\u00ec v\u1eady v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 5%, kho\u1ea3n thanh to\u00e1n th\u1ebf ch\u1ea5p s\u1ebd l\u00e0 1.357 $ m\u1ed7i th\u00e1ng. S\u1ef1 ch\u00eanh l\u1ec7ch l\u00e0 125 $ m\u1ed7i th\u00e1ng.\u00a0<\/p>\n

Khi \u0111\u01b0\u1ee3c gia h\u1ea1n cho 48 kho\u1ea3n thanh to\u00e1n, kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e0 6.000 $, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 b\u1eb1ng \u0111i\u1ec3m kho\u00e1 s\u1ed5. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi vay ph\u1ea3i gi\u1eef nh\u00e0 trong h\u01a1n b\u1ed1n n\u0103m \u0111\u1ec3 n\u00f3 c\u00f3 \u00fd ngh\u0129a t\u00e0i ch\u00ednh khi tr\u1ea3 c\u00e1c \u0111i\u1ec3m kho\u00e1 s\u1ed5.<\/p>\n

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

\n \u0110i\u1ec3m kho\u00e1 s\u1ed5 (ti\u1ebfng Anh: Closing Points) l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed tr\u1ea3 cho ng\u01b0\u1eddi cho vay th\u1ebf ch\u1ea5p ho\u1eb7c ng\u01b0\u1eddi m\u00f4i gi\u1edbi \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y kho\u1ea3n chi\u1ebft kh\u1ea5u cho l\u00e3i su\u1ea5t t\u00ednh cho kho\u1ea3n vay th\u1ebf ch\u1ea5p.\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\/34944"}],"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=34944"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34944\/revisions"}],"predecessor-version":[{"id":68210,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34944\/revisions\/68210"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=34944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=34944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=34944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}