{"id":35080,"date":"2023-12-08T07:51:23","date_gmt":"2023-12-08T07:51:23","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tinh-lai-khoan-the-chap-mortgage-recast-la-gi-uu-diem-cua-viec-tinh-lai-khoan-the-chap.html"},"modified":"2023-12-23T20:58:52","modified_gmt":"2023-12-23T13:58:52","slug":"tinh-lai-khoan-the-chap-mortgage-recast-la-gi-uu-diem-cua-viec-tinh-lai-khoan-the-chap","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tinh-lai-khoan-the-chap-mortgage-recast-la-gi-uu-diem-cua-viec-tinh-lai-khoan-the-chap.html","title":{"rendered":"T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p (Mortgage Recast) l\u00e0 g\u00ec? \u01afu \u0111i\u1ec3m c\u1ee7a vi\u1ec7c T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Mikeferrie.com<\/i><\/p>\n<\/div>\n<\/div>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p<\/font><\/h2>\n

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

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p<\/b> hay c\u00f2n g\u1ecdi l\u00e0 T\u00ednh l\u1ea1i kho\u1ea3n vay <\/b>trong ti\u00ea\u0301ng Anh la\u0300 Mortgage Recast<\/b>.<\/p>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p<\/b> l\u00e0 m\u1ed9t ch\u1ee9c n\u0103ng k\u00e8m theo trong m\u1ed9t s\u1ed1 kho\u1ea3n vay th\u1ebf ch\u1ea5p \u1edf \u0111\u00f3 c\u00e1c kho\u1ea3n thanh to\u00e1n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i d\u1ef1a tr\u00ean l\u1ecbch tr\u1ea3 n\u1ee3 m\u1edbi.\u00a0<\/p>\n

T\u00ednh l\u1ea1i th\u1ebf ch\u1ea5p x\u1ea3y ra khi ng\u01b0\u1eddi \u0111i vay tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn l\u00e0m gi\u1ea3m s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a h\u1ecd, kho\u1ea3n th\u1ebf ch\u1ea5p sau \u0111\u00f3 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n l\u1ea1i d\u1ef1a tr\u00ean s\u1ed1 d\u01b0 n\u1ee3 m\u1edbi. \u00a0\u00a0<\/p>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 \u0111em l\u1ea1i l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n v\u00e0 th\u1eddi h\u1ea1n vay th\u1ebf ch\u1ea5p c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c gia h\u1ea1n th\u00eam.\u00a0<\/p>\n

\u01afu \u0111i\u1ec3m c\u1ee7a T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p \u00a0\u00a0<\/font><\/h3>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p<\/b> l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn tho\u1ea3i m\u00e1i h\u01a1n so v\u1edbi vi\u1ec7c t\u00e1i c\u1ea5p v\u1ed1n cho ng\u01b0\u1eddi \u0111i vay.<\/p>\n

V\u1edbi m\u1ed9t kho\u1ea3n t\u00e1i c\u1ea5p v\u1ed1n, ng\u01b0\u1eddi \u0111i vay thay th\u1ebf kho\u1ea3n th\u1ebf ch\u1ea5p hi\u1ec7n t\u1ea1i b\u1eb1ng kho\u1ea3n th\u1ebf ch\u1ea5p m\u1edbi, ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay chi ph\u00ed vay c\u00f3 th\u1ec3 t\u0103ng l\u00ean ho\u1eb7c kh\u00f4ng.<\/p>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p kh\u00f4ng ki\u1ec3m tra t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay m\u00e0 ti\u1ebfp t\u1ee5c v\u1edbi kho\u1ea3n th\u1ebf ch\u1ea5p ban \u0111\u1ea7u.<\/p>\n

\u00a0– C\u00f3 th\u1ec3 c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n.\u00a0<\/p>\n

\u00a0– R\u00fat ng\u1eafn th\u1eddi h\u1ea1n th\u1ebf ch\u1ea5p c\u1ee7a h\u1ecd.\u00a0<\/p>\n

\u00a0– Ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebf ch\u1ea5p c\u00f3 l\u00e3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh (ARM)<\/i> sang th\u1ebf ch\u1ea5p l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i.\u00a0<\/p>\n

\u00a0– C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 t\u00e0i tr\u1ee3 cho kho\u1ea3n vay l\u1edbn h\u01a1n.\u00a0<\/p>\n

\u00a0– C\u1ee7ng c\u1ed1 kho\u1ea3n n\u1ee3.\u00a0<\/p>\n

C\u00e1c lo\u1ea1i th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i\u00a0<\/font><\/h3>\n

L\u1ef1a ch\u1ecdn t\u00ednh l\u1ea1i kho\u1ea3n\u00a0th\u1ebf ch\u1ea5p<\/b>\u00a0c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m trong \u0111i\u1ec1u kho\u1ea3n cho vay c\u1ee7a c\u00e1c kho\u1ea3n vay kh\u1ea5u tr\u1eeb \u00e2m.\u00a0<\/p>\n

Kho\u1ea3n vay kh\u1ea5u tr\u1eeb \u00e2m cho ph\u00e9p c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u1ecbnh k\u00ec th\u1ea5p h\u01a1n chi ph\u00ed l\u00e3i vay t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3.\u00a0<\/p>\n

Kho\u1ea3n ch\u00eanh l\u1ec7ch gi\u1eefa kho\u1ea3n thanh to\u00e1n \u00edt h\u01a1n v\u00e0 chi ph\u00ed vay t\u1ea1i th\u1eddi \u0111i\u1ec3m \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t tr\u1ea3 ch\u1eadm. S\u1ed1 ti\u1ec1n l\u00e3i tr\u1ea3 ch\u1eadm s\u1ebd \u0111\u01b0\u1ee3c th\u00eam v\u00e0o s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng d\u01b0 n\u1ee3 t\u0103ng theo th\u1eddi gian thay v\u00ec gi\u1ea3m xu\u1ed1ng nh\u01b0 n\u1ee3 kh\u1ea5u tr\u1eeb b\u00ecnh th\u01b0\u1eddng.\u00a0 \u00a0<\/p>\n

Do kho\u1ea3n n\u1ee3 g\u1ed1c ng\u00e0y c\u00e0ng t\u0103ng, th\u1ebf ch\u1ea5p kh\u1ea5u tr\u1eeb \u00e2m \u0111\u00f2i h\u1ecfi kho\u1ea3n th\u1ebf ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i v\u00e0o m\u1ed9t th\u1eddi \u0111i\u1ec3m \u0111\u1ecbnh tr\u01b0\u1edbc \u0111\u1ec3 kho\u1ea3n vay \u0111\u01b0\u1ee3c thanh to\u00e1n h\u1ebft v\u00e0o cu\u1ed1i th\u1eddi h\u1ea1n d\u1ef1 ki\u1ebfn.\u00a0<\/i><\/p>\n

Ngo\u00e0i ra, c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p kh\u1ea5u tr\u1eeb \u00e2m c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i kh\u00f4ng theo ng\u00e0y \u0111\u1ecbnh s\u1eb5n. V\u00ed d\u1ee5 nh\u01b0 n\u1ebfu s\u1ed1 n\u1ee3 g\u1ed1c kho\u1ea3n vay \u0111\u1ea1t gi\u1edbi h\u1ea1n kh\u1ea5u tr\u1eeb \u00e2m \u0111\u00e3 qui \u0111\u1ecbnh th\u00ec ng\u01b0\u1eddi cho vay s\u1ebd t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p. \u00a0\u00a0<\/p>\n

Th\u1ebf ch\u1ea5p kh\u1ea5u tr\u1eeb \u00e2m c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 th\u1ebf ch\u1ea5p c\u00f3 l\u00e3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh t\u00f9y ch\u1ecdn thanh to\u00e1n <\/b>(ARM t\u00f9y ch\u1ecdn). Lo\u1ea1i h\u00ecnh th\u1ebf ch\u1ea5p n\u00e0y cung c\u1ea5p cho ng\u01b0\u1eddi \u0111i vay c\u00e1c l\u1ef1a ch\u1ecdn thanh to\u00e1n g\u1ed3m tr\u1ea3 t\u1ea5t c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i ho\u1eb7c ch\u1ec9 tr\u1ea3 ti\u1ec1n l\u00e3i.\u00a0<\/p>\n

C\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 l\u00e3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh kh\u00e1c, ARM t\u00f9y ch\u1ecdn c\u00f3 l\u00e3i su\u1ea5t kh\u1ea3 bi\u1ebfn ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng.\u00a0 \u00a0\u00a0
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V\u00ed d\u1ee5 v\u1ec1 T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p\u00a0<\/font><\/h3>\n

N\u1ebfu kho\u1ea3n vay kh\u00f4ng c\u00f3 l\u1ef1a ch\u1ecdn\u00a0t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p<\/b> \u0111i k\u00e8m, ng\u01b0\u1eddi \u0111i vay c\u0169ng c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi ng\u01b0\u1eddi cho vay v\u1ec1 vi\u1ec7c t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p.\u00a0<\/p>\n

T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 l\u00e0m cho c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay gi\u1ea3m xu\u1ed1ng b\u1eb1ng c\u00e1ch tr\u1ea3 tr\u01b0\u1edbc m\u1ed9t kho\u1ea3n ti\u1ec1n r\u1ed3i t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p. \u00a0\u00a0<\/p>\n

V\u00ed d\u1ee5, \u00f4ng A c\u00f3 kho\u1ea3n th\u1ebf ch\u1ea5p l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh 1.000.000$ th\u1eddi h\u1ea1n 30 n\u0103m v\u1edbi l\u00e3i su\u1ea5t 4%. Ti\u1ec1n l\u00e3i v\u00e0 ti\u1ec1n g\u1ed1c g\u1ed9p c\u1ee7a \u00f4ng A l\u00e0 6.111$ m\u1ed7i th\u00e1ng. Sau n\u0103m n\u0103m, \u00f4ng A tr\u00fang s\u1ed5 s\u1ed1 m\u1ed9t kho\u1ea3n ti\u1ec1n tr\u1ecb gi\u00e1 375.000$.\u00a0<\/p>\n

Tuy nhi\u00ean, n\u1ebfu quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 tr\u01b0\u1edbc kho\u1ea3n th\u1ebf ch\u1ea5p m\u00e0 kh\u00f4ng t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p, \u00f4ng A s\u1ebd ph\u1ea3i ti\u1ebfp t\u1ee5c tr\u1ea3 6.111$ m\u1ed7i th\u00e1ng.\u00a0<\/p>\n

N\u1ebfu \u00f4ng A t\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p v\u1edbi th\u1eddi h\u1ea1n 25 n\u0103m c\u00f2n l\u1ea1i, kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a \u00f4ng s\u1ebd gi\u1ea3m xu\u1ed1ng c\u00f2n 1.722$. \u00a0 <\/p>\n

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

\n T\u00ednh l\u1ea1i kho\u1ea3n th\u1ebf ch\u1ea5p (ti\u1ebfng Anh: Mortgage Recast) l\u00e0 m\u1ed9t ch\u1ee9c n\u0103ng k\u00e8m theo trong m\u1ed9t s\u1ed1 kho\u1ea3n th\u1ebf ch\u1ea5p cho ph\u00e9p t\u00ednh to\u00e1n l\u1ea1i c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u1ecbnh k\u00ec c\u00f2n l\u1ea1i d\u1ef1a theo l\u1ecbch tr\u1ea3 n\u1ee3 m\u1edbi.\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\/35080"}],"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=35080"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/35080\/revisions"}],"predecessor-version":[{"id":68267,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/35080\/revisions\/68267"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=35080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=35080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=35080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}