{"id":252938,"date":"2024-07-02T16:41:51","date_gmt":"2024-07-02T09:41:51","guid":{"rendered":"https:\/\/mogi.vn\/news\/?p=252938"},"modified":"2024-07-02T16:41:54","modified_gmt":"2024-07-02T09:41:54","slug":"tat-toan-la-gi","status":"publish","type":"post","link":"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/","title":{"rendered":"T\u1ea5t to\u00e1n l\u00e0 g\u00ec? Nh\u1eefng h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n n\u00e0o ph\u1ed5 bi\u1ebfn hi\u1ec7n nay"},"content":{"rendered":"\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng hi\u1ec7n nay. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 <strong>t\u1ea5t to\u00e1n l\u00e0 g\u00ec<\/strong> v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n ph\u1ed5 bi\u1ebfn. N\u1ebfu b\u1ea1n c\u0169ng \u0111ang quan t\u00e2m \u0111\u1ebfn ch\u1ee7 \u0111\u1ec1 n\u00e0y, m\u1eddi b\u1ea1n c\u00f9ng Mogi.vn t\u00ecm hi\u1ec3u c\u00e1c th\u00f4ng tin qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/span><\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_63 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >N\u1ed9i dung b&agrave;i vi\u1ebft<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Tat_toan_la_gi\" title=\"T\u1ea5t to\u00e1n l\u00e0 g\u00ec?\">T\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Nhung_hinh_thuc_tat_toan_pho_bien_hien_nay\" title=\"Nh\u1eefng h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n ph\u1ed5 bi\u1ebfn hi\u1ec7n nay\">Nh\u1eefng h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Tat_toan_khoan_vay\" title=\"T\u1ea5t to\u00e1n kho\u1ea3n vay\">T\u1ea5t to\u00e1n kho\u1ea3n vay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Tat_toan_tai_khoan_tiet_kiem\" title=\"T\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m\">T\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Phan_biet_tat_toan_va_dao_han\" title=\"Ph\u00e2n bi\u1ec7t t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n\">Ph\u00e2n bi\u1ec7t t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Quy_trinh_tat_toan_va_ho_so_can_chuan_bi\" title=\"Quy tr\u00ecnh t\u1ea5t to\u00e1n v\u00e0 h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb\">Quy tr\u00ecnh t\u1ea5t to\u00e1n v\u00e0 h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Ho_so_chuan_bi_tat_toan_la_gi\" title=\"H\u1ed3 s\u01a1 chu\u1ea9n b\u1ecb t\u1ea5t to\u00e1n l\u00e0 g\u00ec?\">H\u1ed3 s\u01a1 chu\u1ea9n b\u1ecb t\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Quy_trinh_tat_toan_la_gi\" title=\"Quy tr\u00ecnh t\u1ea5t to\u00e1n l\u00e0 g\u00ec?\">Quy tr\u00ecnh t\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/mogi.vn\/news\/tat-toan-la-gi-252938\/#Mot_so_luu_y_quan_trong_lien_quan_den_tat_toan\" title=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn t\u1ea5t to\u00e1n\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn t\u1ea5t to\u00e1n<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tat_toan_la_gi\"><\/span><b>T\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef ch\u1ec9 vi\u1ec7c k\u1ebft th\u00fac m\u1ed9t giao d\u1ecbch (vay m\u01b0\u1ee3n ho\u1eb7c ti\u1ebft ki\u1ec7m) v\u00e0 ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng. Khi th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 m\u1ed9t b\u00ean \u0111\u00e3 ho\u00e0n t\u1ea5t vi\u1ec7c thanh to\u00e1n ho\u1eb7c ho\u00e0n tr\u1ea3 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay cho b\u00ean c\u00f2n l\u1ea1i. Vi\u1ec7c t\u1ea5t to\u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo \u0111\u00fang k\u1ef3 h\u1ea1n ho\u1eb7c tr\u01b0\u1edbc k\u1ef3 h\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. <\/span><span style=\"font-weight: 400;\">C\u00f3 hai th\u1eddi \u0111i\u1ec3m c\u00f3 th\u1ec3 t\u1ea5t to\u00e1n l\u00e0:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><b>T\u1ea5t to\u00e1n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n:<\/b><span style=\"font-weight: 400;\"> Khi c\u00f3 y\u00eau c\u1ea7u t\u1ea5t to\u00e1n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n, ng\u00e2n h\u00e0ng x\u00e9t duy\u1ec7t y\u00eau c\u1ea7u r\u00fat ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean b\u1ea1n ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n cho s\u1ed1 ti\u1ec1n \u0111\u00e3 r\u00fat v\u00e0 ph\u1ea3i ho\u00e0n tr\u1ea3 l\u00e3i su\u1ea5t c\u00f3 k\u1ef3 h\u1ea1n \u0111\u00e3 nh\u1eadn tr\u01b0\u1edbc \u0111\u00f3 (n\u1ebfu c\u00f3). <em>V\u00ed d\u1ee5: Khi b\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n 6 th\u00e1ng, ng\u00e0y t\u1ea5t to\u00e1n l\u00e0 30\/6. N\u1ebfu b\u1ea1n th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n tr\u01b0\u1edbc ng\u00e0y 30\/6, \u0111\u00e2y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 t\u1ea5t to\u00e1n tr\u01b0\u1edbc k\u1ef3 h\u1ea1n.<\/em><\/span><\/li>\n<li style=\"font-weight: 400;\"><b>T\u1ea5t to\u00e1n \u0111\u00fang h\u1ea1n: <\/b><span style=\"font-weight: 400;\">K\u1ebft th\u00fac giao d\u1ecbch v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean l\u01b0u \u00fd m\u1ed9t s\u1ed1 kh\u00e1i ni\u1ec7m sau trong t\u1ea5t to\u00e1n nh\u01b0:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><b>S\u1ed1 ti\u1ec1n t\u1ea5t to\u00e1n:<\/b><span style=\"font-weight: 400;\"> L\u00e0 s\u1ed1 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn v\u00e0o ng\u00e0y t\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m ho\u1eb7c s\u1ed1 ti\u1ec1n c\u1ea7n thanh to\u00e1n \u0111\u1ec3 ho\u00e0n t\u1ea5t kho\u1ea3n vay.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Ng\u00e0y t\u1ea5t to\u00e1n:<\/b><span style=\"font-weight: 400;\"> L\u00e0 ng\u00e0y cu\u1ed1i c\u00f9ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng m\u00e0 m\u1ed9t b\u00ean ph\u1ea3i ho\u00e0n t\u1ea5t thanh to\u00e1n to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n cho b\u00ean c\u00f2n l\u1ea1i \u0111\u1ec3 ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_252940\" aria-describedby=\"caption-attachment-252940\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252940\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154418\/tat-toan-la-gi-2.jpg\" alt=\"T\u1ea5t to\u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo \u0111\u00fang k\u1ef3 h\u1ea1n ho\u1eb7c tr\u01b0\u1edbc k\u1ef3 h\u1ea1n\n\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154418\/tat-toan-la-gi-2.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154418\/tat-toan-la-gi-2-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154418\/tat-toan-la-gi-2-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154418\/tat-toan-la-gi-2-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252940\" class=\"wp-caption-text\">T\u1ea5t to\u00e1n l\u00e0 g\u00ec? C\u00e1c kh\u00e1i ni\u1ec7m li\u00ean quan \u0111\u1ebfn t\u1ea5t to\u00e1n\u00a0<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nhung_hinh_thuc_tat_toan_pho_bien_hien_nay\"><\/span><b>Nh\u1eefng h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 hai h\u00ecnh th\u1ee9c ph\u1ed5 bi\u1ebfn nh\u1ea5t m\u00e0 Mogi.vn mu\u1ed1n gi\u1edbi thi\u1ec7u \u0111\u1ebfn b\u1ea1n.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tat_toan_khoan_vay\"><\/span><b>T\u1ea5t to\u00e1n kho\u1ea3n vay<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n kho\u1ea3n vay l\u00e0 qu\u00e1 tr\u00ecnh trong \u0111\u00f3 kh\u00e1ch h\u00e0ng ho\u00e0n t\u1ea5t vi\u1ec7c tr\u1ea3 n\u1ee3 cho ng\u00e2n h\u00e0ng, t\u1ee9c l\u00e0 thanh to\u00e1n to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 vay. Lo\u1ea1i t\u1ea5t to\u00e1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o khi ng\u01b0\u1eddi vay \u0111\u1ee7 kh\u1ea3 n\u0103ng thanh to\u00e1n m\u00e0 kh\u00f4ng c\u1ea7n ch\u1edd \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Vi\u1ec7c t\u1ea5t to\u00e1n kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n nhu c\u1ea7u vay n\u1eefa. Quy \u0111\u1ecbnh n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c lo\u1ea1i kho\u1ea3n vay nh\u01b0 vay ti\u00eau d\u00f9ng, vay mua nh\u00e0, vay kinh doanh,&#8230; V\u1eady c\u00f4ng th\u1ee9c t\u00ednh t\u1ea5t to\u00e1n l\u00e0 g\u00ec theo h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n kho\u1ea3n vay?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">C\u00f4ng th\u1ee9c t\u1ea5t to\u00e1n kho\u1ea3n vay:\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><strong>Ph\u00ed t\u1ea5t to\u00e1n = S\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i x % ph\u00ed ph\u1ea1t<\/strong><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\"><strong>V\u00ed d\u1ee5:<\/strong> B\u1ea1n c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng vay ti\u00eau d\u00f9ng tr\u1ecb gi\u00e1 100 tri\u1ec7u \u0111\u1ed3ng trong th\u1eddi h\u1ea1n 1 n\u0103m v\u1edbi l\u00e3i su\u1ea5t 10%\/n\u0103m t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh A v\u00e0 \u0111\u00e3 thanh to\u00e1n 60 tri\u1ec7u \u0111\u1ed3ng. Theo h\u1ee3p \u0111\u1ed3ng, ph\u00ed ph\u1ea1t khi t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n l\u00e0 2%. T\u00ednh t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n tr\u1ea3 n\u1ebfu t\u1ea5t to\u00e1n kho\u1ea3n vay. <\/span><\/em><em><span style=\"font-weight: 400;\">\u00c1p d\u1ee5ng c\u00f4ng th\u1ee9c tr\u00ean, ph\u00ed t\u1ea5t to\u00e1n \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:\u00a0<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><i><span style=\"font-weight: 400;\">Chi ph\u00ed t\u1ea5t to\u00e1n = S\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i x % ph\u00ed ph\u1ea1t<\/span><\/i><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0= (100 &#8211; 60) x 2% = 0.8 tri\u1ec7u (t\u1ee9c l\u00e0 800,000 \u0111\u1ed3ng)<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">Khi b\u1ea1n y\u00eau c\u1ea7u t\u1ea5t to\u00e1n kho\u1ea3n vay t\u1ea1i c\u00f4ng ty t\u00e0i ch\u00ednh A, c\u00f4ng ty x\u00e1c nh\u1eadn s\u1ed1 d\u01b0 kho\u1ea3n vay c\u1ee7a b\u1ea1n l\u00e0 40 tri\u1ec7u \u0111\u1ed3ng (ngh\u0129a l\u00e0 b\u1ea1n c\u00f2n n\u1ee3 c\u00f4ng ty A 40 tri\u1ec7u \u0111\u1ed3ng). Nh\u01b0 v\u1eady, s\u1ed1 ti\u1ec1n c\u1ea7n thanh to\u00e1n cho c\u00f4ng ty A nh\u01b0 sau:<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><i><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n c\u1ea7n tr\u1ea3 = S\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c + Ti\u1ec1n l\u00e3i + Ph\u00ed t\u1ea5t to\u00e1n<\/span><\/i><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 = 40 + (40 x 10%) + 0.8 = 44.8 tri\u1ec7u \u0111\u1ed3ng.<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">B\u1ea1n thanh to\u00e1n s\u1ed1 ti\u1ec1n 44.8 tri\u1ec7u \u0111\u1ed3ng cho c\u00f4ng ty A b\u1eb1ng ti\u1ec1n m\u1eb7t ho\u1eb7c chuy\u1ec3n kho\u1ea3n v\u00e0 k\u00fd x\u00e1c nh\u1eadn \u0111\u00e3 ho\u00e0n t\u1ea5t vi\u1ec7c t\u1ea5t to\u00e1n kho\u1ea3n vay n\u00e0y.<\/span><\/em><\/p>\n<figure id=\"attachment_252941\" aria-describedby=\"caption-attachment-252941\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252941\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154422\/tat-toan-la-gi-3.jpg\" alt=\"T\u1ea5t to\u00e1n kho\u1ea3n vay ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng thanh to\u00e1n to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 vay cho ng\u00e2n h\u00e0ng\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154422\/tat-toan-la-gi-3.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154422\/tat-toan-la-gi-3-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154422\/tat-toan-la-gi-3-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154422\/tat-toan-la-gi-3-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252941\" class=\"wp-caption-text\">T\u1ea5t to\u00e1n l\u00e0 g\u00ec? H\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n kho\u1ea3n vay l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tat_toan_tai_khoan_tiet_kiem\"><\/span><b>T\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0 qu\u00e1 tr\u00ecnh r\u00fat to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i t\u1eeb t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n v\u00e0 ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u1edbi ng\u00e2n h\u00e0ng. B\u1ea1n c\u00f3 quy\u1ec1n ch\u1ecdn th\u1eddi \u0111i\u1ec3m t\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m, d\u00f9 l\u00e0 tr\u01b0\u1edbc, \u0111\u00fang ho\u1eb7c sau khi h\u1ebft h\u1ea1n k\u1ef3 h\u1ea1n ti\u1ebft ki\u1ec7m. Sau khi t\u1ea5t to\u00e1n, b\u1ea1n s\u1ebd nh\u1eadn l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1ed1c c\u00f9ng v\u1edbi l\u00e3i \u0111\u00e3 t\u00edch l\u0169y. Tuy nhi\u00ean, n\u1ebfu th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n, c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n m\u1ee9c d\u1ef1 ki\u1ebfn ho\u1eb7c ph\u1ea3i tr\u1ea3 m\u1ed9t kho\u1ea3n ph\u00ed ph\u1ea1t t\u00f9y v\u00e0o ng\u00e2n h\u00e0ng.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">N\u1ebfu \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n m\u00e0 b\u1ea1n kh\u00f4ng mu\u1ed1n t\u1ea5t to\u00e1n, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c gia h\u1ea1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c g\u1eedi ti\u1ec1n. T\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 chia th\u00e0nh hai lo\u1ea1i nh\u01b0 sau:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><b>T\u00e0i kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/b><span style=\"font-weight: 400;\">: (Th\u1eddi h\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n th\u01b0\u1eddng k\u00e9o d\u00e0i t\u1eeb 3 &#8211; 36 th\u00e1ng) B\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n v\u00e0o cu\u1ed1i k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n \u0111\u1ec3 nh\u1eadn to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i. N\u1ebfu b\u1ea1n t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n, s\u1ed1 ti\u1ec1n r\u00fat ra s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh theo l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng l\u00e0 th\u1ea5p h\u01a1n so v\u1edbi khi th\u1ef1c hi\u1ec7n \u0111\u00fang h\u1ea1n. V\u00ec v\u1eady, b\u1ea1n c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch cao nh\u1ea5t c\u1ee7a b\u1ea3n th\u00e2n.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>T\u00e0i kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u00f4ng c\u00f3 k\u1ef3 h\u1ea1n<\/b><span style=\"font-weight: 400;\">: B\u1ea1n c\u00f3 th\u1ec3 t\u1ea5t to\u00e1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng lo b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn. B\u00ean c\u1ea1nh \u0111\u00f3, qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c n\u00e0y c\u0169ng d\u1ec5 th\u1ef1c hi\u1ec7n h\u01a1n so v\u1edbi h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n tr\u00ean.\u00a0<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_252942\" aria-describedby=\"caption-attachment-252942\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252942\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154427\/tat-toan-la-gi-4.jpg\" alt=\"T\u1ea5t to\u00e1n ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea1i qu\u1ea7y giao d\u1ecbch\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154427\/tat-toan-la-gi-4.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154427\/tat-toan-la-gi-4-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154427\/tat-toan-la-gi-4-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154427\/tat-toan-la-gi-4-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252942\" class=\"wp-caption-text\">T\u1ea5t to\u00e1n l\u00e0 g\u00ec? H\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><strong>Xem th\u00eam: <a href=\"https:\/\/mogi.vn\/news\/cach-vay-tien-ngan-hang-mua-dat-97469\/\" target=\"_blank\" rel=\"noopener\">C\u00e1ch vay ti\u1ec1n ng\u00e2n h\u00e0ng mua \u0111\u1ea5t \u2013 M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi vay ti\u1ec1n ng\u00e2n h\u00e0ng<\/a><\/strong><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Phan_biet_tat_toan_va_dao_han\"><\/span><b>Ph\u00e2n bi\u1ec7t t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n v\u00e0 <\/span><a href=\"https:\/\/mogi.vn\/news\/ngay-dao-han-la-gi-200627\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u0111\u00e1o h\u1ea1n<\/span><\/a><span style=\"font-weight: 400;\"> l\u00e0 nh\u1eefng thu\u1eadt ng\u1eef quan tr\u1ecdng th\u01b0\u1eddng b\u1ecb nh\u1ea7m l\u1eabn trong giao d\u1ecbch t\u00e0i ch\u00ednh. Nh\u1eb1m gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ph\u00e2n bi\u1ec7t nh\u1eefng thu\u1eadt ng\u1eef n\u00e0y, m\u1eddi b\u1ea1n c\u00f9ng Mogi.vn theo d\u00f5i th\u00f4ng tin so s\u00e1nh \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a \u0111\u00e1o h\u1ea1n v\u00e0 t\u1ea5t to\u00e1n l\u00e0 g\u00ec qua b\u1ea3ng sau \u0111\u00e2y.<\/span><\/p>\n<table class=\" aligncenter\" style=\"width: 90%;\">\n<tbody>\n<tr>\n<td>\n<p><b>\u0110\u1eb7c \u0111i\u1ec3m<\/b><\/p>\n<\/td>\n<td>\n<p><b>T\u1ea5t to\u00e1n<\/b><\/p>\n<\/td>\n<td>\n<p><b>\u0110\u00e1o h\u1ea1n<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Gi\u1ed1ng nhau<\/span><\/p>\n<\/td>\n<td colspan=\"2\">\n<ul>\n<li><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn qu\u00e1 tr\u00ecnh ho\u00e0n t\u1ea5t c\u00e1c kho\u1ea3n vay ho\u1eb7c n\u1ee3 gi\u1eefa c\u00e1c b\u00ean giao d\u1ecbch.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">M\u1ee5c ti\u00eau: \u0110\u1ea3m b\u1ea3o c\u00e1c kho\u1ea3n vay ho\u1eb7c n\u1ee3 \u0111\u1ec1u \u0111\u01b0\u1ee3c thanh to\u00e1n.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Th\u1eddi \u0111i\u1ec3m t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n c\u00f3 th\u1ec3 tr\u00f9ng nhau n\u1ebfu kh\u00e1ch h\u00e0ng gi\u1eef kho\u1ea3n ti\u1ec1n \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n v\u00e0 sau \u0111\u00f3 th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Kh\u00e1i ni\u1ec7m<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n nh\u1eb1m m\u1ee5c \u0111\u00edch k\u1ebft th\u00fac to\u00e0n b\u1ed9 c\u00e1c giao d\u1ecbch tr\u00ean h\u1ee3p \u0111\u1ed3ng.\u00a0<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u0110\u00e1o h\u1ea1n l\u00e0 th\u1eddi \u0111i\u1ec3m t\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n, sau \u0111\u00f3 nh\u1eadn l\u1ea1i s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i theo l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">Th\u1eddi \u0111i\u1ec3m th\u1ef1c hi\u1ec7n<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">N\u1ebfu \u0111\u1ebfn ng\u00e0y t\u1ea5t to\u00e1n m\u00e0 kh\u00e1ch h\u00e0ng ch\u01b0a mu\u1ed1n k\u1ebft th\u00fac giao d\u1ecbch, c\u00f3 th\u1ec3 quay v\u00f2ng k\u1ef3 h\u1ea1n ti\u1ec1n g\u1eedi<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">N\u1ebfu \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111\u00e1o h\u1ea1n m\u00e0 kh\u00f4ng nh\u1eadn l\u00e3i, s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng v\u00e0o ti\u1ec1n g\u1ed1c v\u00e0 th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn k\u1ef3 h\u1ea1n ti\u1ebfp theo.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">M\u1ee9c l\u00e3i su\u1ea5t<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n, l\u00e3i su\u1ea5t nh\u1eadn \u0111\u01b0\u1ee3c s\u1ebd th\u1ea5p h\u01a1n.\u00a0<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi \u0111\u00e1o h\u1ea1n, t\u00f9y thu\u1ed9c v\u00e0o ng\u00e2n h\u00e0ng, ti\u1ec1n v\u1ed1n v\u00e0 l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng theo m\u1ee9c l\u00e3i su\u1ea5t c\u1ee7a k\u1ef3 h\u1ea1n g\u1ea7n nh\u1ea5t.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_252943\" aria-describedby=\"caption-attachment-252943\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252943\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154433\/tat-toan-la-gi-5.jpg\" alt=\"Th\u1eddi \u0111i\u1ec3m t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n c\u00f3 th\u1ec3 tr\u00f9ng nhau\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154433\/tat-toan-la-gi-5.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154433\/tat-toan-la-gi-5-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154433\/tat-toan-la-gi-5-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154433\/tat-toan-la-gi-5-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252943\" class=\"wp-caption-text\">T\u1ea5t to\u00e1n l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m v\u00e0 so s\u00e1nh gi\u1eefa kh\u00e1i ni\u1ec7m t\u1ea5t to\u00e1n v\u00e0 \u0111\u00e1o h\u1ea1n<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quy_trinh_tat_toan_va_ho_so_can_chuan_bi\"><\/span><b>Quy tr\u00ecnh t\u1ea5t to\u00e1n v\u00e0 h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Ho_so_chuan_bi_tat_toan_la_gi\"><\/span><strong>H\u1ed3 s\u01a1 chu\u1ea9n b\u1ecb t\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng c\u00f3 quy \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 quy tr\u00ecnh t\u1ea5t to\u00e1n v\u00e0 c\u00e1c lo\u1ea1i h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb. Khi th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n, th\u00f4ng th\u01b0\u1eddng nh\u1eefng h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb khi t\u1ea5t to\u00e1n l\u00e0 g\u00ec? Bao g\u1ed3m c\u00e1c gi\u1ea5y t\u1edd sau:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">H\u1ee3p \u0111\u1ed3ng t\u1ea5t to\u00e1n gi\u1eefa hai b\u00ean<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gi\u1ea5y t\u1edd t\u00f9y th\u00e2n nh\u1eb1m x\u00e1c minh danh t\u00ednh (CCCD)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd kh\u00e1c theo y\u00eau c\u1ea7u c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng\u00a0<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quy_trinh_tat_toan_la_gi\"><\/span><b>Quy tr\u00ecnh t\u1ea5t to\u00e1n l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">B\u00ean c\u1ea1nh quy c\u00e1c h\u1ed3 s\u01a1 v\u00e0 gi\u1ea5y t\u1edd th\u00ec b\u1ea1n c\u0169ng n\u00ean b\u1ecf t\u00fai nh\u1eefng quy tr\u00ecnh t\u1ea5t to\u00e1n. Tr\u01b0\u1edbc ti\u00ean, \u0111\u1ed1i v\u1edbi quy tr\u00ecnh t\u1ea5t to\u00e1n kho\u1ea3n vay g\u1ed3m c\u00f3 c\u00e1c b\u01b0\u1edbc:\u00a0<\/p>\n<ul style=\"text-align: justify;\">\n<li><b>B\u01b0\u1edbc 1: Ki\u1ec3m tra s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i: <\/b><span style=\"font-weight: 400;\">N\u1ebfu b\u1ea1n thanh to\u00e1n \u0111\u00fang h\u1ea1n theo h\u1ee3p \u0111\u1ed3ng, t\u1ea5t to\u00e1n s\u1ebd di\u1ec5n ra v\u00e0o k\u1ef3 tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng. \u0110\u1ea7u ti\u00ean, b\u1ea1n c\u1ea7n \u0111\u1ed1i chi\u1ebfu s\u1ed1 ti\u1ec1n tr\u00ean h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 ki\u1ec3m tra sai s\u00f3t n\u1ebfu c\u00f3. N\u1ebfu mu\u1ed1n t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n, c\u1ea7n ki\u1ec3m tra k\u1ef9 s\u1ed1 ti\u1ec1n c\u1ea7n thanh to\u00e1n v\u00e0 kho\u1ea3n ph\u00ed t\u1ea5t to\u00e1n tr\u01b0\u1edbc th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li><b>B\u01b0\u1edbc 2: N\u1ea1p ti\u1ec1n: <\/b><span style=\"font-weight: 400;\">B\u1ea1n c\u1ea7n \u0111\u1ebfn chi nh\u00e1nh ng\u00e2n h\u00e0ng \u0111\u00e3 vay \u0111\u1ec3 n\u1ea1p ti\u1ec1n theo y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li><b>B\u01b0\u1edbc 3: K\u00fd bi\u00ean b\u1ea3n t\u1ea5t to\u00e1n v\u00e0 thanh l\u00fd h\u1ee3p \u0111\u1ed3ng: <\/b><span style=\"font-weight: 400;\">Sau khi n\u1ea1p ti\u1ec1n, b\u1ea1n c\u1ea7n k\u00fd v\u00e0o bi\u00ean b\u1ea3n t\u1ea5t to\u00e1n theo y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng. Sau khi ho\u00e0n t\u1ea5t, ng\u00e2n h\u00e0ng s\u1ebd th\u00f4ng b\u00e1o th\u1eddi gian \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn l\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li><b>B\u01b0\u1edbc 4: Th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c x\u00f3a th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o: <\/b><span style=\"font-weight: 400;\">Sau khi nh\u1eadn c\u00e1c gi\u1ea5y t\u1edd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o t\u1eeb ng\u00e2n h\u00e0ng, b\u1ea1n c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn th\u00eam bi\u00ean b\u1ea3n y\u00eau c\u1ea7u x\u00f3a th\u1ebf ch\u1ea5p. Sau \u0111\u00f3, b\u1ea1n c\u1ea7n x\u00f3a th\u1ebf ch\u1ea5p v\u1edbi b\u00ean th\u1ee9 ba t\u1ee9c l\u00e0 c\u01a1 quan c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn s\u1edf h\u1eefu t\u00e0i s\u1ea3n cho b\u1ea1n.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_252944\" aria-describedby=\"caption-attachment-252944\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252944\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154438\/tat-toan-la-gi-6.jpg\" alt=\"Quy tr\u00ecnh t\u1ea5t to\u00e1n th\u01b0\u1eddng tu\u00e2n theo nh\u1eefng quy chu\u1ea9n nh\u1ea5t \u0111\u1ecbnh\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154438\/tat-toan-la-gi-6.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154438\/tat-toan-la-gi-6-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154438\/tat-toan-la-gi-6-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154438\/tat-toan-la-gi-6-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252944\" class=\"wp-caption-text\">Quy tr\u00ecnh t\u1ea5t to\u00e1n th\u01b0\u1eddng tu\u00e2n theo nh\u1eefng quy chu\u1ea9n nh\u1ea5t \u0111\u1ecbnh<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi t\u1ea5t to\u00e1n ti\u1ebft ki\u1ec7m, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c ngay tr\u00ean \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng \u0111ang s\u1eed d\u1ee5ng. Quy tr\u00ecnh t\u1ea5t to\u00e1n c\u01a1 b\u1ea3n g\u1ed3m nh\u1eefng b\u01b0\u1edbc sau \u0111\u00e2y:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><b>B\u01b0\u1edbc 1: <\/b><span style=\"font-weight: 400;\">\u0110\u0103ng nh\u1eadp v\u00e0o \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>B\u01b0\u1edbc 2: <\/b><span style=\"font-weight: 400;\">T\u00ecm m\u1ee5c \u201cTi\u1ebft ki\u1ec7m\u201d &gt; Ch\u1ecdn \u201cT\u1ea5t to\u00e1n ti\u1ebft ki\u1ec7m\u201d &gt; Ch\u1ecdn t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ea7n t\u1ea5t to\u00e1n.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>B\u01b0\u1edbc 3: <\/b><span style=\"font-weight: 400;\">Ch\u1ecdn s\u1ed1 t\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n &gt; X\u00e1c nh\u1eadn th\u00f4ng tin &gt; Nh\u1eadp m\u00e3 x\u00e1c th\u1ef1c OTP \u0111\u01b0\u1ee3c g\u1eedi qua s\u1ed1 \u0111i\u1ec7n tho\u1ea1i &gt; X\u00e1c nh\u1eadn.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><em><span style=\"font-weight: 400;\">L\u01b0u \u00fd: C\u00e1c b\u01b0\u1edbc tr\u00ean c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y theo giao di\u1ec7n c\u1ee7a t\u1eebng \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng.<\/span><\/em><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ngo\u00e0i ra, khi t\u1ea5t to\u00e1n t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1ea5t to\u00e1n t\u1ea1i qu\u1ea7y giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng, c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n g\u1ed3m c\u00f3:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><b>B\u01b0\u1edbc 1:<\/b><span style=\"font-weight: 400;\"> \u0110\u1ebfn ng\u00e2n h\u00e0ng v\u00e0 mang theo s\u1ed5 ti\u1ebft ki\u1ec7m c\u00f9ng gi\u1ea5y t\u1edd t\u00f9y th\u00e2n (CCCD\/CMND) \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>B\u01b0\u1edbc 2:<\/b><span style=\"font-weight: 400;\"> \u0110i\u1ec1n bi\u1ec3u m\u1eabu y\u00eau c\u1ea7u t\u1ea5t to\u00e1n theo quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng &gt; \u0110\u1ee3i nh\u00e2n vi\u00ean ki\u1ec3m tra th\u00f4ng tin v\u00e0 x\u00e1c minh ch\u1eef k\u00fd &gt; Ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_252945\" aria-describedby=\"caption-attachment-252945\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252945\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154442\/tat-toan-la-gi-7.jpg\" alt=\"S\u1ed5 ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng (minh h\u1ecda)\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154442\/tat-toan-la-gi-7.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154442\/tat-toan-la-gi-7-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154442\/tat-toan-la-gi-7-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154442\/tat-toan-la-gi-7-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252945\" class=\"wp-caption-text\">S\u1ed5 ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng (minh h\u1ecda)<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_luu_y_quan_trong_lien_quan_den_tat_toan\"><\/span><b>M\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn t\u1ea5t to\u00e1n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1ea5t to\u00e1n l\u00e0 m\u1ed9t th\u1ee7 t\u1ee5c quan tr\u1ecdng trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. V\u00ec v\u1eady nh\u1eb1m gi\u00fap b\u1ea1n th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c n\u00e0y m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 thu\u1eadn l\u1ee3i, Mogi.vn \u0111\u00e3 t\u1ed5ng h\u1ee3p m\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng nh\u01b0 sau:\u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><b>\u0110\u1ed1i v\u1edbi t\u1ea5t to\u00e1n s\u1ed5 ti\u1ebft ki\u1ec7m<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Khi \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m \u0111\u00e1o h\u1ea1n c\u1ee7a t\u00e0i kho\u1ea3n ho\u1eb7c s\u1ed5 ti\u1ebft ki\u1ec7m, b\u1ea1n n\u00ean xem x\u00e9t th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh t\u00e1i t\u1ee5c t\u00e0i kho\u1ea3n. \u0110i\u1ec1u n\u00e0y gi\u00fap t\u1ed1i \u01b0u h\u00f3a m\u1ee9c sinh l\u1eddi cho s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>\u0110\u1ed1i v\u1edbi t\u1ea5t to\u00e1n kho\u1ea3n vay<\/b><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ki\u1ec3m tra c\u00e1c th\u00f4ng tin quan tr\u1ecdng v\u1ec1 ch\u00ednh s\u00e1ch c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 l\u00e3i su\u1ea5t, h\u1ea1n m\u1ee9c, v\u00e0 th\u1eddi h\u1ea1n tr\u01b0\u1edbc khi t\u1ea5t to\u00e1n n\u1ee3.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0110\u1ecdc k\u1ef9 v\u00e0 n\u1eafm r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng nh\u01b0: chi ti\u1ebft kho\u1ea3n vay, \u0111i\u1ec1u ki\u1ec7n thanh to\u00e1n, c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n, gi\u1ea3i quy\u1ebft tranh ch\u1ea5p\u2026 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n v\u00e0 l\u1ee3i \u00edch cho b\u1ea1n.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">L\u01b0u tr\u1eef h\u1ed3 s\u01a1 v\u00e0 c\u00e1c gi\u1ea5y t\u1edd m\u1ed9t c\u00e1ch c\u1ea9n th\u1eadn.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_252946\" aria-describedby=\"caption-attachment-252946\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-252946\" src=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154447\/tat-toan-la-gi-8.jpg\" alt=\"L\u01b0u \u00fd xem x\u00e9t l\u00e3i su\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng tr\u01b0\u1edbc khi t\u1ea5t to\u00e1n\" width=\"800\" height=\"450\" title=\"\" srcset=\"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154447\/tat-toan-la-gi-8.jpg 800w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154447\/tat-toan-la-gi-8-300x169.jpg 300w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154447\/tat-toan-la-gi-8-768x432.jpg 768w, https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154447\/tat-toan-la-gi-8-696x392.jpg 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-252946\" class=\"wp-caption-text\">L\u01b0u \u00fd xem x\u00e9t l\u00e3i su\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng tr\u01b0\u1edbc khi t\u1ea5t to\u00e1n<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><b>L\u1eddi k\u1ebft<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">B\u00e0i vi\u1ebft tr\u00ean \u0111\u00e2y c\u1ee7a Mogi.vn \u0111\u00e3 gi\u1ea3i th\u00edch thu\u1eadt ng\u1eef <\/span><b>t\u1ea5t to\u00e1n l\u00e0 g\u00ec<\/b><span style=\"font-weight: 400;\"> v\u00e0 nh\u1eefng th\u00f4ng tin li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n cho b\u1ea1n \u0111\u1ecdc. Hi v\u1ecdng b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng ki\u1ebfn th\u1ee9c c\u1ea7n thi\u1ebft v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y \u0111\u1ec3 ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n v\u1edbi ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, b\u1ea1n c\u00f3 th\u1ec3 truy c\u1eadp trang <strong><a href=\"https:\/\/mogi.vn\/\" target=\"_blank\" rel=\"noopener\">Mogi.vn<\/a><\/strong> \u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00eam c\u00e1c tin t\u1ee9c th\u00fa v\u1ecb kh\u00e1c v\u1ec1 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, <a href=\"https:\/\/mogi.vn\/mua-nha-dat\" target=\"_blank\" rel=\"noopener\">mua b\u00e1n nh\u00e0 \u0111\u1ea5t<\/a>, phong th\u1ee7y,&#8230;\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><strong>Xem th\u00eam:\u00a0<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\"><strong><a href=\"https:\/\/mogi.vn\/news\/du-no-giam-dan-la-gi-203182\/\" target=\"_blank\" rel=\"noopener\">D\u01b0 N\u1ee3 Gi\u1ea3m D\u1ea7n L\u00e0 G\u00ec? C\u00f3 Kh\u00e1c V\u1edbi D\u01b0 N\u1ee3 G\u1ed1c Kh\u00f4ng?<\/a><\/strong><\/li>\n<li style=\"text-align: justify;\"><strong><a href=\"https:\/\/mogi.vn\/news\/kinh-nghiem-mua-dat-cam-ngan-hang-243031\/\" target=\"_blank\" rel=\"noopener\">Kinh nghi\u1ec7m mua \u0111\u1ea5t c\u1ea7m ng\u00e2n h\u00e0ng h\u1ea1n ch\u1ebf r\u1ee7i ro n\u0103m 2024<\/a><\/strong><\/li>\n<li style=\"text-align: justify;\"><strong><a href=\"https:\/\/mogi.vn\/news\/don-bay-tai-chinh-la-gi-251874\/\" target=\"_blank\" rel=\"noopener\">\u0110\u00f2n b\u1ea9y t\u00e0i ch\u00ednh l\u00e0 g\u00ec? C\u00e1ch s\u1eed d\u1ee5ng v\u00e0 c\u00f4ng th\u1ee9c t\u00ednh<\/a><\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>T\u1ea5t to\u00e1n l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng hi\u1ec7n nay. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 t\u1ea5t to\u00e1n l\u00e0 g\u00ec v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c t\u1ea5t to\u00e1n ph\u1ed5 bi\u1ebfn. N\u1ebfu b\u1ea1n c\u0169ng \u0111ang quan t\u00e2m \u0111\u1ebfn ch\u1ee7 \u0111\u1ec1 n\u00e0y, m\u1eddi b\u1ea1n c\u00f9ng Mogi.vn [&hellip;]<\/p>\n","protected":false},"author":221,"featured_media":252939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ub_ctt_via":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[16],"tags":[],"acf":[],"featured_image_src":"https:\/\/cdnnews.mogi.vn\/news\/wp-content\/uploads\/2024\/06\/30154413\/tat-toan-la-gi.jpg","author_info":{"display_name":"Nguy\u1ec5n Qu\u1ef3nh Giang","author_link":"https:\/\/mogi.vn\/news\/author\/giang-nguyen\/"},"modified_by":"T\u00fa \u0110inh","_links":{"self":[{"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/posts\/252938"}],"collection":[{"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/users\/221"}],"replies":[{"embeddable":true,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/comments?post=252938"}],"version-history":[{"count":0,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/posts\/252938\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/media\/252939"}],"wp:attachment":[{"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/media?parent=252938"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/categories?post=252938"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mogi.vn\/news\/wp-json\/wp\/v2\/tags?post=252938"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}