{"id":8313,"date":"2023-11-29T09:13:42","date_gmt":"2023-11-29T09:13:42","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tham-hut-tien-lai-interest-shortfall-la-gi-dac-diem.html"},"modified":"2023-12-21T14:17:05","modified_gmt":"2023-12-21T07:17:05","slug":"tham-hut-tien-lai-interest-shortfall-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tham-hut-tien-lai-interest-shortfall-la-gi-dac-diem.html","title":{"rendered":"Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i (Interest Shortfall) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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Hi\u0300nh minh ho\u0323a. Ngu\u00f4\u0300n: YesLoans<\/p>\n<\/figcaption><\/figure>\n

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i<\/font><\/h2>\n

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

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i<\/b> trong ti\u00ea\u0301ng Anh la\u0300 Interest Shortfall.<\/b><\/p>\n

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i<\/b> l\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i c\u1ed9ng d\u1ed3n c\u00f2n l\u1ea1i sau khi ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 thanh to\u00e1n kho\u1ea3n thanh to\u00e1n n\u1ee3 \u0111\u1ecbnh k\u00ec h\u00e0ng th\u00e1ng. Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn kh\u1ea5u tr\u1eeb \u00e2m tr\u00ean m\u1ed9t s\u1ed1 kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t.\u00a0<\/p>\n

Kh\u1ea5u tr\u1eeb \u00e2m l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef t\u00e0i ch\u00ednh \u0111\u1ec1 c\u1eadp \u0111\u1ebfn s\u1ef1 gia t\u0103ng s\u1ed1 d\u01b0\u00a0n\u1ee3 g\u1ed1c\u00a0c\u1ee7a kho\u1ea3n vay, nguy\u00ean nh\u00e2n l\u00e0 do ng\u01b0\u1eddi \u0111i vay kh\u00f4ng th\u1ec3 tr\u1ea3 l\u00e3i do kho\u1ea3n vay \u0111\u00f3.\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i\u00a0<\/font><\/h3>\n

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i<\/b> l\u00e0 m\u1ed9t t\u00ednh n\u0103ng c\u1ee7a c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p theo l\u00e3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh\u00a0(ARM), \u1edf \u0111\u00f3 l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho s\u1ed1 d\u01b0 n\u1ee3 thay \u0111\u1ed5i trong su\u1ed1t th\u1eddi gian vay.\u00a0<\/p>\n

Khi l\u00e3i su\u1ea5t \u0111\u1ea1t \u0111\u1ebfn gi\u1edbi h\u1ea1n c\u00e1c kho\u1ea3n thanh to\u00e1n cho vay h\u00e0ng th\u00e1ng, c\u00e1c kho\u1ea3n thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n ti\u1ec1n l\u00e3i th\u1ef1c t\u1ebf. Kho\u1ea3n ti\u1ec1n l\u00e3i ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 n\u00e0y s\u1ebd l\u00e0m t\u0103ng s\u1ed1 d\u01b0 n\u1ee3 g\u1ed1c c\u1ee7a kho\u1ea3n vay, hay \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 kh\u1ea5u tr\u1eeb \u00e2m. \u00a0\u00a0<\/p>\n

M\u1eb7c d\u00f9 kh\u1ea5u tr\u1eeb \u00e2m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111i vay kh\u1ecfi c\u00fa s\u1ed1c thanh to\u00e1n li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t ARM \u0111\u1ed9t ng\u1ed9t, nh\u01b0ng h\u1ecd s\u1ebd m\u1ea5t nhi\u1ec1u th\u1eddi gian h\u01a1n \u0111\u1ec3 kh\u1ea5u hao to\u00e0n b\u1ed9 kho\u1ea3n vay. N\u1ebfu l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p ti\u1ebfp t\u1ee5c t\u0103ng, v\u1ed1n c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 s\u1ebd gi\u1ea3m xu\u1ed1ng thay v\u00ec t\u0103ng l\u00ean sau c\u00e1c kho\u1ea3n thanh to\u00e1n n\u1ee3, tr\u1eeb khi gi\u00e1 c\u1ee7a ng\u00f4i nh\u00e0 t\u0103ng l\u00ean.\u00a0<\/i><\/p>\n

H\u1ea7u h\u1ebft c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p\u00a0\u0111\u1ec1u c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u1ea3 ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay. Gi\u1edbi h\u1ea1n ti\u1ec1n l\u00e3i v\u00f2ng \u0111\u1eddi kho\u1ea3n th\u1ebf ch\u1ea5p (lifetime cap) l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t gi\u1edbi h\u1ea1n tr\u1ea7n t\u1ed1i \u0111a cho ph\u00e9p tr\u00ean m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p ARM.\u00a0<\/p>\n

Gi\u1edbi h\u1ea1n tr\u1ea7n n\u00e0y \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho su\u1ed1t v\u00f2ng \u0111\u1eddi kho\u1ea3n th\u1ebf ch\u1ea5p, th\u00f4ng b\u00e1o cho ng\u01b0\u1eddi \u0111i vay v\u1ec1 m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a m\u00e0 h\u1ecd c\u00f3 th\u1ec3 tr\u1ea3 trong su\u1ed1t th\u1eddi h\u1ea1n vay. \u00a0\u00a0<\/i><\/p>\n

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i v\u1edbi Ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p<\/font><\/h3>\n

Trong th\u1ecb tr\u01b0\u1eddng\u00a0ch\u1ee9ng kho\u00e1n \u0111\u1ea3m b\u1ea3o b\u1eb1ng th\u1ebf ch\u1ea5p\u00a0(MBS), th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i <\/b>x\u1ea3y ra khi ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i th\u1ea5p h\u01a1n s\u1ed1 ti\u1ec1n l\u00e3i c\u1ed9ng d\u1ed3n do c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p tr\u1ea3 tr\u01b0\u1edbc \u0111\u01b0\u1ee3c ng\u01b0\u1eddi \u0111i vay th\u1ef1c hi\u1ec7n.\u00a0<\/p>\n

Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i x\u1ea3y ra khi c\u00e1c kho\u1ea3n ph\u00ed hay chi ph\u00ed li\u00ean quan \u0111\u1ebfn c\u00e1c kho\u1ea3n vay g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c thu h\u1ed3i, l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c tr\u1ea3 cho c\u00e1c ch\u1ee9ng kho\u00e1n b\u1ea3o \u0111\u1ea3m b\u1eb1ng th\u1ebf ch\u1ea5p li\u00ean quan.\u00a0<\/p>\n

N\u1ebfu c\u00f3 th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i, ti\u1ec1n l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c ho\u00e3n l\u1ea1i, trong \u0111\u00f3 c\u00e1c l\u1edbp t\u00e0i s\u1ea3n\/ n\u1ee3 ph\u1ee5 (hay th\u1ee9 y\u1ebfu\/ c\u1ea5p d\u01b0\u1edbi) th\u01b0\u1eddng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng \u0111\u1ea7u ti\u00ean, c\u00f2n c\u00e1c l\u1edbp t\u00e0i s\u1ea3n\/ n\u1ee3 cao c\u1ea5p h\u01a1n s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean tr\u1ea3 l\u00e3i tr\u01b0\u1edbc.\u00a0 \u00a0<\/p>\n

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

\n Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i (ti\u1ebfng Anh: Interest Shortfall) l\u00e0 s\u1ed1 ti\u1ec1n l\u00e3i c\u1ed9ng d\u1ed3n c\u00f2n l\u1ea1i sau khi ng\u01b0\u1eddi \u0111i vay \u0111\u00e3 thanh to\u00e1n tr\u1ea3 n\u1ee3 \u0111\u1ecbnh k\u00ec h\u00e0ng th\u00e1ng. Th\u00e2m h\u1ee5t ti\u1ec1n l\u00e3i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn kh\u1ea5u tr\u1eeb \u00e2m tr\u00ean m\u1ed9t s\u1ed1 kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t.\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\/8313"}],"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=8313"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/8313\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=8313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=8313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=8313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}