{"id":35152,"date":"2023-12-08T07:55:17","date_gmt":"2023-12-08T07:55:17","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tien-tra-truoc-down-payment-la-gi-phan-biet-tien-tra-truoc-va-tien-dat-coc.html"},"modified":"2023-12-23T20:59:08","modified_gmt":"2023-12-23T13:59:08","slug":"tien-tra-truoc-down-payment-la-gi-phan-biet-tien-tra-truoc-va-tien-dat-coc","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tien-tra-truoc-down-payment-la-gi-phan-biet-tien-tra-truoc-va-tien-dat-coc.html","title":{"rendered":"Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc (Down Payment) l\u00e0 g\u00ec? Ph\u00e2n bi\u1ec7t ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc v\u00e0 ti\u1ec1n \u0111\u1eb7t c\u1ecdc"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: Shusterrealestate.com<\/i><\/p>\n<\/div>\n<\/div>\n

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc\u00a0<\/font><\/h2>\n

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

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> trong ti\u00ea\u0301ng Anh la\u0300 Down Payment<\/b>.<\/p>\n

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t khi b\u1eaft \u0111\u1ea7u mua m\u1ed9t h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5 \u0111\u1eaft ti\u1ec1n. Kho\u1ea3n thanh to\u00e1n n\u00e0y chi\u1ebfm m\u1ed9t t\u1ec9 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a gi\u00e1 mua \u0111\u1ea7y \u0111\u1ee7.\u00a0<\/p>\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, kho\u1ea3n thanh to\u00e1n tr\u01b0\u1edbc s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i n\u1ebfu th\u1ecfa thu\u1eadn giao d\u1ecbch kh\u00f4ng th\u00e0nh do ph\u00eda ng\u01b0\u1eddi mua.\u00a0<\/p>\n

Sau khi thanh to\u00e1n kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc, ng\u01b0\u1eddi mua \u0111\u01b0a ra c\u00e1c th\u1ecfa thu\u1eadn t\u00e0i ch\u00ednh \u0111\u1ec3 thanh to\u00e1n s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i cho ng\u01b0\u1eddi b\u00e1n.\u00a0<\/p>\n

V\u00ed d\u1ee5, t\u1ea1i M\u1ef9 nhi\u1ec1u ng\u01b0\u1eddi mua nh\u00e0 ph\u1ea3i tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc t\u1eeb 5% \u0111\u1ebfn 25% t\u1ed5ng gi\u00e1 tr\u1ecb c\u0103n nh\u00e0, ph\u1ea7n c\u00f2n l\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c chi tr\u1ea3 th\u00f4ng qua kho\u1ea3n vay th\u1ebf ch\u1ea5p. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 khi mua xe h\u01a1i, ng\u01b0\u1eddi mua c\u0169ng ph\u1ea3i tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc m\u1ed9t kho\u1ea3n nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc\u00a0<\/font><\/h3>\n

C\u00e1c kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc <\/b>s\u1ebd gi\u1ea3m b\u1edbt s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 trong su\u1ed1t th\u1eddi gian vay ti\u1ec1n, gi\u1ea3m c\u00e1c kho\u1ea3n ph\u1ea3i thanh to\u00e1n h\u00e0ng th\u00e1ng v\u00e0 cho ph\u00e9p cho ng\u01b0\u1eddi cho vay m\u1ed9t m\u1ee9c \u0111\u1ed9 b\u1ea3o \u0111\u1ea3m nh\u1ea5t \u0111\u1ecbnh. \u00a0\u00a0<\/p>\n

Trong giao d\u1ecbch mua nh\u00e0\u00a0<\/i><\/p>\n

T\u1ea1i M\u1ef9, kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc ti\u00eau chu\u1ea9n m\u00e0 ng\u01b0\u1eddi cho vay y\u00eau c\u1ea7u thanh to\u00e1n l\u00e0 20% cho m\u1ed9t ng\u00f4i nh\u00e0. Tuy nhi\u00ean, ng\u01b0\u1eddi d\u00e2n \u1edf M\u1ef9 c\u0169ng c\u00f3 th\u1ec3 mua m\u1ed9t ng\u00f4i nh\u00e0 v\u1edbi y\u00eau c\u1ea7u kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc ch\u1ec9 \u1edf m\u1ee9c 3.5% nh\u01b0 trong c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh vay n\u1ee3 \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea3o tr\u1ee3 c\u1ee7a ch\u00ednh ph\u1ee7 li\u00ean bang. \u00a0\u00a0<\/p>\n

C\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p vi\u1ec7c t\u0103ng kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc l\u00e0 c\u1ea7n thi\u1ebft nh\u01b0 khi mua m\u1ed9t t\u00e0i s\u1ea3n s\u1edf h\u1eefu chung th\u01b0\u1eddng ph\u1ed5 bi\u1ebfn \u1edf c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn do r\u1ee7i ro t\u0103ng l\u00ean.\u00a0<\/p>\n

Trong giao d\u1ecbch mua xe<\/i><\/p>\n

Trong giao d\u1ecbch mua xe, kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> t\u1eeb 20% tr\u1edf l\u00ean c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi mua d\u1ec5 d\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n cho vay t\u1ed1t h\u01a1n, c\u0169ng nh\u01b0 qui tr\u00ecnh ph\u00ea duy\u1ec7t kho\u1ea3n vay nhanh h\u01a1n.\u00a0<\/p>\n

M\u1ed9t s\u1ed1 \u0111\u1ea1i l\u00ed xe c\u00f3 th\u1ec3 kh\u00f4ng y\u00eau c\u1ea7u kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc cho m\u1ed9t s\u1ed1 ng\u01b0\u1eddi mua nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c l\u00e3i su\u1ea5t s\u1ebd cao h\u01a1n cho kho\u1ea3n vay mua xe n\u00e0y. \u00a0\u00a0<\/p>\n

M\u1ed9t s\u1ed1 l\u01b0u \u00fd\u00a0<\/font><\/h3>\n

Vi\u1ec7c x\u00e1c \u0111\u1ecbnh kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> th\u01b0\u1eddng l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p v\u00e0 c\u00f3 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c kinh doanh c\u1ea7n t\u00ednh to\u00e1n k\u0129 l\u01b0\u1ee1ng kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc h\u01a1n nh\u1eefng l\u0129nh v\u1ef1c kh\u00e1c.\u00a0<\/p>\n

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc c\u0169ng cung c\u1ea5p cho ng\u01b0\u1eddi cho vay m\u1ed9t m\u1ee9c \u0111\u1ed9 \u0111\u1ea3m b\u1ea3o nh\u1ea5t \u0111\u1ecbnh. V\u1ec1 c\u01a1 b\u1ea3n, n\u1ebfu b\u1ea1n \u0111\u00e3 thanh to\u00e1n m\u1ed9t kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc th\u00ec kh\u1ea3 n\u0103ng v\u1ee1 n\u1ee3 kho\u1ea3n vay c\u1ee7a b\u1ea1n l\u00e0 th\u1ea5p h\u01a1n.\u00a0<\/p>\n

V\u1edbi quan \u0111i\u1ec3m n\u00e0y, nh\u1eefng ng\u01b0\u1eddi cho vay th\u1ebf ch\u1ea5p th\u01b0\u1eddng \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n cho nh\u1eefng ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 thanh to\u00e1n c\u00e1c kho\u1ea3n tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc l\u1edbn. \u00a0\u00a0<\/p>\n

T\u00e1c d\u1ee5ng c\u1ee7a Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/font><\/h3>\n

L\u00e3i su\u1ea5t\u00a0<\/i><\/p>\n

N\u1ebfu b\u1ea1n thanh to\u00e1n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> khi mua h\u00e0ng v\u00e0 vay ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n ph\u1ea7n c\u00f2n l\u1ea1i, ngay l\u1eadp t\u1ee9c s\u1ed1 ti\u1ec1n l\u00e3i b\u1ea1n ph\u1ea3i tr\u1ea3 trong su\u1ed1t th\u1eddi gian vay \u0111\u01b0\u1ee3c gi\u1ea3m xu\u1ed1ng.<\/p>\n

Gi\u1ea3 s\u1eed b\u1ea1n vay $100,000 v\u1edbi l\u00e3i su\u1ea5t 5%, n\u0103m \u0111\u1ea7u ti\u00ean s\u1ed1 ti\u1ec1n l\u00e3i b\u1ea1n c\u1ea7n tr\u1ea3 l\u00e0 $5,000. N\u1ebfu b\u1ea1n \u0111\u00e3 thanh to\u00e1n kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc $20,000, b\u1ea1n ch\u1ec9 c\u1ea7n vay th\u00eam $80,000.\u00a0<\/p>\n

K\u1ebft qu\u1ea3 l\u00e0, n\u0103m \u0111\u1ea7u ti\u00ean ti\u1ec1n l\u00e3i c\u1ee7a b\u1ea1n ch\u1ec9 c\u00f2n $4,000, gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c $1,000.\u00a0<\/p>\n

V\u00ec v\u1eady, kho\u1ea3n tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc c\u00e0ng l\u1edbn s\u1ebd gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m c\u00e0ng nhi\u1ec1u ti\u1ec1n l\u00e3i trong su\u1ed1t th\u1eddi gian vay.\u00a0<\/p>\n

Kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng\u00a0<\/i><\/p>\n

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc <\/b>c\u0169ng l\u00e0m gi\u1ea3m c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng cho c\u00e1c kho\u1ea3n vay tr\u1ea3 g\u00f3p.\u00a0<\/p>\n

Gi\u1ea3 s\u1eed b\u1ea1n mua m\u1ed9t chi\u1ebfc xe h\u01a1i v\u1edbi gi\u00e1 $15,000. N\u1ebfu b\u1ea1n vay kho\u1ea3n vay $15,000 v\u1edbi l\u00e3i su\u1ea5t 3% trong th\u1eddi h\u1ea1n b\u1ed1n n\u0103m, kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n l\u00e0 $332.\u00a0<\/p>\n

Tuy nhi\u00ean, n\u1ebfu b\u1ea1n thanh to\u00e1n kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc $3,000, b\u1ea1n ch\u1ec9 c\u1ea7n vay $12,000 v\u00e0 kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n gi\u1ea3m xu\u1ed1ng c\u00f2n $266. B\u1ea1n s\u1ebd ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c $66 m\u1ed7i th\u00e1ng hay $3,168 trong su\u1ed1t th\u1eddi h\u1ea1n vay 48 th\u00e1ng c\u1ee7a kho\u1ea3n vay.\u00a0<\/p>\n

Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc (down payment) v\u00e0 Ti\u1ec1n \u0111\u1eb7t c\u1ecdc (deposit)<\/font><\/h3>\n

Ti\u1ec1n \u0111\u1eb7t c\u1ecdc (deposit)\u00a0<\/i>l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n ph\u1ea3i tr\u1ea3 \u0111\u1ec3 b\u1ea3o \u0111\u1ea3m b\u1ea1n s\u1ebd mua m\u1ed9t t\u00e0i s\u1ea3n, n\u00f3i c\u00e1ch kh\u00e1c, b\u1ea1n \u0111ang ch\u1ee9ng minh r\u1eb1ng b\u1ea1n nghi\u00eam t\u00fac trong vi\u1ec7c mua t\u00e0i s\u1ea3n \u0111\u00f3. Ti\u1ec1n \u0111\u1eb7t c\u1ecdc kh\u00f4ng c\u00f3 m\u1ed9t m\u1ee9c y\u00eau c\u1ea7u x\u00e1c \u0111\u1ecbnh s\u1eb5n.<\/p>\n

Khi b\u1ea1n \u0111\u1ec1 ngh\u1ecb mua m\u1ed9t t\u00e0i s\u1ea3n v\u1edbi \u0111\u1ea1i l\u00ed b\u1ea5t \u0111\u1ed9ng s\u1ea3n, h\u1ecd s\u1ebd y\u00eau c\u1ea7u m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc. S\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o gi\u00e1 mua v\u00e0 m\u1ee9c \u0111\u1ed9 nhanh ch\u00f3ng c\u1ee7a giao d\u1ecbch. S\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd d\u1ef1a tr\u00ean gi\u00e1 mua t\u00e0i s\u1ea3n khi ch\u1ed1t giao d\u1ecbch v\u00e0 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b>. N\u1ebfu giao d\u1ecbch th\u1ea5t b\u1ea1i, ti\u1ec1n \u0111\u1eb7t c\u1ecdc c\u0169ng b\u1ecb m\u1ea5t.<\/p>\n

Kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc\u00a0(down payment)<\/i> l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc khi b\u1ea1n mua m\u1ed9t t\u00e0i s\u1ea3n. C\u00e1c kho\u1ea3n ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 5% \u0111\u1ebfn 20% t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng y\u00eau c\u1ea7u ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc<\/b> s\u1ebd kh\u00e1c nhau t\u00f9y v\u00e0o giao d\u1ecbch b\u1ea1n th\u1ef1c hi\u1ec7n. N\u1ebfu b\u1ea1n l\u00e0 nh\u00e2n vi\u00ean, b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc \u00edt nh\u1ea5t 5% cho kho\u1ea3n thanh to\u00e1n.\u00a0<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n l\u00e0m ch\u1ee7, h\u1ecd ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc \u00edt nh\u1ea5t 10% v\u00e0 n\u1ebfu b\u1ea1n mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho thu\u00ea\/\u0111\u1ea7u t\u01b0, b\u1ea1n s\u1ebd c\u1ea7n ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc t\u1ed1i thi\u1ec3u 20% kho\u1ea3n thanh to\u00e1n.\u00a0<\/p>\n

To\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n h\u1ebft khi \u0111\u00f3ng giao d\u1ecbch.<\/p>\n

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

\n Ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc (ti\u1ebfng Anh: Down Payment) l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi b\u1eaft \u0111\u1ea7u giao d\u1ecbch mua h\u00e0ng h\u00f3a hay d\u1ecbch v\u1ee5 \u0111\u1eaft ti\u1ec1n.\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\/35152"}],"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=35152"}],"version-history":[{"count":1,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/35152\/revisions"}],"predecessor-version":[{"id":68300,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/35152\/revisions\/68300"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=35152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=35152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=35152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}