{"id":34963,"date":"2023-12-08T07:44:15","date_gmt":"2023-12-08T07:44:15","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chi-phi-khoa-so-closing-costs-la-gi-dac-diem-cua-chi-phi-khoa-so.html"},"modified":"2023-12-23T20:58:24","modified_gmt":"2023-12-23T13:58:24","slug":"chi-phi-khoa-so-closing-costs-la-gi-dac-diem-cua-chi-phi-khoa-so","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chi-phi-khoa-so-closing-costs-la-gi-dac-diem-cua-chi-phi-khoa-so.html","title":{"rendered":"Chi ph\u00ed kho\u00e1 s\u1ed5 (Closing Costs) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Chi ph\u00ed kho\u00e1 s\u1ed5"},"content":{"rendered":"
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(\u1ea2nh minh h\u1ecda: FHA)<\/p>\n<\/figcaption><\/figure>\n

Chi ph\u00ed kho\u00e1 s\u1ed5<\/font><\/h2>\n

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

Chi ph\u00ed kho\u00e1 s\u1ed5<\/b> trong ti\u1ebfng Anh l\u00e0\u00a0Closing Costs<\/b>. <\/p>\n

Chi ph\u00ed kho\u00e1 s\u1ed5 <\/b>l\u00e0 c\u00e1c chi ph\u00ed cao h\u01a1n gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n, m\u00e0 ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n th\u01b0\u1eddng ph\u1ea3i ch\u1ecbu \u0111\u1ec3 ho\u00e0n th\u00e0nh m\u1ed9t giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n

Chi ph\u00ed ph\u00e1t sinh c\u00f3 th\u1ec3 bao g\u1ed3m ph\u00ed kh\u1edfi t\u1ea1o kho\u1ea3n vay, \u0111i\u1ec3m chi\u1ebft kh\u1ea5u, ph\u00ed th\u1ea9m \u0111\u1ecbnh, \u0111\u0103ng k\u00ed quy\u1ec1n s\u1edf h\u1eefu, b\u1ea3o hi\u1ec3m quy\u1ec1n s\u1edf h\u1eefu, kh\u1ea3o s\u00e1t, thu\u1ebf, ph\u00ed ghi ch\u1ee9ng th\u01b0 v\u00e0 ph\u00ed b\u00e1o c\u00e1o t\u00edn d\u1ee5ng. Chi ph\u00ed tr\u1ea3 tr\u01b0\u1edbc l\u00e0 nh\u1eefng chi ph\u00ed t\u00e1i ph\u00e1t theo th\u1eddi gian, nh\u01b0 thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 nh\u00e0.\u00a0<\/p>\n

Ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt y\u00eau c\u1ea7u ph\u1ea3i n\u00eau r\u00f5 c\u00e1c chi ph\u00ed n\u00e0y m\u1ed9t c\u00e1ch thi\u1ec7n ch\u00ed trong v\u00f2ng ba ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y \u0111\u0103ng k\u00ed vay mua nh\u00e0. \u01afu \u0111\u00e3i ch\u1ee7 s\u1edf h\u1eefu v\u1eabn ph\u1ea3i ch\u1ecbu chi ph\u00ed kho\u00e1 s\u1ed5.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a Chi ph\u00ed kho\u00e1 s\u1ed5<\/font><\/h3>\n

Chi ph\u00ed kho\u00e1 s\u1ed5 x\u1ea3y ra khi quy\u1ec1n s\u1edf h\u1eefu \u0111\u01b0\u1ee3c chuy\u1ec3n t\u1eeb ng\u01b0\u1eddi b\u00e1n sang ng\u01b0\u1eddi mua. T\u1ed5ng s\u1ed1 ti\u1ec1n chi ph\u00ed kho\u00e1 s\u1ed5 ph\u1ee5 thu\u1ed9c v\u00e0o n\u01a1i m\u00e0 t\u00e0i s\u1ea3n \u0111ang \u0111\u01b0\u1ee3c b\u00e1n v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng. Ng\u01b0\u1eddi mua nh\u00e0 th\u01b0\u1eddng tr\u1ea3 t\u1eeb 2% \u0111\u1ebfn 5% gi\u00e1 mua, nh\u01b0ng chi ph\u00ed kho\u00e1 s\u1ed5 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c tr\u1ea3 b\u1edfi ng\u01b0\u1eddi b\u00e1n ho\u1eb7c ng\u01b0\u1eddi mua.\u00a0<\/p>\n

M\u1ed9t giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ee9c t\u1ea1p v\u1edbi nhi\u1ec1u b\u00ean tham gia. M\u1ed9t s\u1ed1 ti\u1ec3u bang (v\u00e0 m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m cho vay) y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 cu\u1ed9c ki\u1ec3m tra nh\u1ea5t \u0111\u1ecbnh ngo\u00e0i nh\u1eefng ki\u1ec3m tra c\u01a1 b\u1ea3n m\u00e0 b\u1ea1n tr\u1ea3 tr\u1ef1c ti\u1ebfp cho \u0111\u01a1n v\u1ecb ki\u1ec3m tra ch\u1ea5t l\u01b0\u1ee3ng nh\u00e0 m\u00e0 b\u1ea1n ch\u1ecdn. Sau \u0111\u00f3, thu\u1ebf t\u00e0i s\u1ea3n v\u00e0 thu\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng, c\u0169ng nh\u01b0 b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed b\u1ed5 sung kh\u00e1c. <\/p>\n

Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t g\u1ea7n \u0111\u00e2y t\u1eeb ClosesCorp, m\u1ed9t c\u00f4ng ty d\u1eef li\u1ec7u chi ph\u00ed kho\u00e1 s\u1ed5 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, trung b\u00ecnh, ng\u01b0\u1eddi mua nh\u00e0 \u1edf M\u1ef9 ph\u1ea3i tr\u1ea3 4.876$. Cu\u1ed9c kh\u1ea3o s\u00e1t cho th\u1ea5y chi ph\u00ed kho\u00e1 s\u1ed5 trung b\u00ecnh cao nh\u1ea5t \u1edf c\u00e1c v\u00f9ng thu\u1ed9c \u0110\u00f4ng B\u1eafc, bao g\u1ed3m Qu\u1eadn Columbia (12.573$), New York (9.341$), Delwar (8.663$), Maryland (7.211$) v\u00e0 Vermont (6.839$). C\u00e1c ti\u1ec3u bang c\u00f3 chi ph\u00ed kho\u00e1 s\u1ed5 trung b\u00ecnh th\u1ea5p nh\u1ea5t bao g\u1ed3m Missouri (2.905$), Indiana (2.934$), Nam Dakota (2.996$), Iowa (3.138$) v\u00e0 B\u1eafc Carolina (3.206$). <\/p>\n

Lu\u1eadt ph\u00e1p y\u00eau c\u1ea7u ng\u01b0\u1eddi cho vay cung c\u1ea5p m\u1ed9t \u01b0\u1edbc t\u00ednh kho\u1ea3n vay th\u1ec3 hi\u1ec7n chi ph\u00ed kho\u00e1 s\u1ed5 c\u1ee7a t\u00e0i s\u1ea3n. Theo \u0110\u1ea1o lu\u1eadt Th\u1ee7 t\u1ee5c Gi\u1ea3i quy\u1ebft B\u1ea5t \u0111\u1ed9ng s\u1ea3n (RESPA), theo lu\u1eadt ph\u00e1p, ng\u01b0\u1eddi cho vay ph\u1ea3i cung c\u1ea5p s\u1ed1 \u01b0\u1edbc t\u00ednh n\u00e0y, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u01b0\u1edbc t\u00ednh thi\u1ec7n ch\u00ed, trong v\u00f2ng ba ng\u00e0y k\u1ec3 t\u1eeb khi ng\u01b0\u1eddi cho vay nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u01a1n \u0111\u0103ng k\u00ed kho\u1ea3n vay. \u00cdt nh\u1ea5t ba ng\u00e0y tr\u01b0\u1edbc khi kho\u00e1 s\u1ed5, ng\u01b0\u1eddi cho vay c\u0169ng ph\u1ea3i cung c\u1ea5p v\u0103n b\u1ea3n kho\u00e1 s\u1ed5 li\u1ec7t k\u00ea r\u00f5 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ph\u00ed kho\u00e1 s\u1ed5. C\u00e1c kho\u1ea3n ph\u00ed \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea c\u00f3 th\u1ec3 thay \u0111\u1ed5i so v\u1edbi \u01b0\u1edbc t\u00ednh c\u1ee7a kho\u1ea3n vay. <\/p>\n

V\u00ed d\u1ee5 v\u1ec1 chi ph\u00ed kho\u00e1 s\u1ed5<\/font><\/h3>\n

L\u1ec7 ph\u00ed ban \u0111\u1ea7u l\u00e0 ph\u00ed do ng\u00e2n h\u00e0ng t\u00ednh cho vi\u1ec7c t\u1ea1o ra m\u1ed9t kho\u1ea3n vay. L\u1ec7 ph\u00ed th\u01b0\u1eddng l\u00ean t\u1edbi 1% c\u1ee7a kho\u1ea3n th\u1ebf ch\u1ea5p. Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 mua c\u00e1c \u0111i\u1ec3m chi\u1ebft kh\u1ea5u tr\u01b0\u1edbc \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t m\u00e0 ng\u00e2n h\u00e0ng thu.\u00a0<\/p>\n

M\u1eb7c d\u00f9 ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u b\u00e1o c\u00e1o t\u00edn d\u1ee5ng v\u00e0 \u0111\u01a1n \u0111\u0103ng k\u00ed kho\u1ea3n vay, nh\u1eefng kho\u1ea3n ph\u00ed n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng chi tr\u1ea3. B\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n l\u00e0 m\u1ed9t kho\u1ea3n ph\u00ed b\u1ed5 sung \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho b\u1ea5t k\u00ec giao d\u1ecbch mua n\u00e0o v\u1edbi kho\u1ea3n thanh to\u00e1n t\u1ea1i ch\u1ed7 d\u01b0\u1edbi 20%. <\/p>\n

B\u1ea3o hi\u1ec3m quy\u1ec1n s\u1edf h\u1eefu b\u1ea3o v\u1ec7 ng\u01b0\u1eddi cho vay kh\u1ecfi nh\u1eefng y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua kh\u1ecfi nh\u1eefng b\u00ean tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 t\u1eebng \u0111\u01b0a ra y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n. Ng\u01b0\u1eddi cho vay th\u01b0\u1eddng y\u00eau c\u1ea7u th\u1ea9m \u0111\u1ecbnh, c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 l\u00ean t\u1edbi 400$ trong h\u1ea7u h\u1ebft c\u00e1c l\u0129nh v\u1ef1c. Ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng thu thu\u1ebf v\u00e0 ph\u00ed ghi ch\u00e9p \u0111\u1ec3 ghi l\u1ea1i vi\u1ec7c b\u00e1n t\u00e0i s\u1ea3n. C\u00e1c lo\u1ea1i thu\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng kh\u00e1c nhau gi\u1eefa c\u00e1c ti\u1ec3u bang.<\/p>\n

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

\n Chi ph\u00ed kho\u00e1 s\u1ed5 (ti\u1ebfng Anh: Closing Costs) l\u00e0 c\u00e1c chi ph\u00ed cao h\u01a1n gi\u00e1 c\u1ee7a t\u00e0i s\u1ea3n, m\u00e0 ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n th\u01b0\u1eddng ph\u1ea3i ch\u1ecbu \u0111\u1ec3 ho\u00e0n th\u00e0nh m\u1ed9t giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n.\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\/34963"}],"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=34963"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34963\/revisions"}],"predecessor-version":[{"id":68211,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/34963\/revisions\/68211"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=34963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=34963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=34963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}