{"id":7563,"date":"2026-04-19T15:53:19","date_gmt":"2026-04-19T22:53:19","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=7563"},"modified":"2026-04-19T15:53:19","modified_gmt":"2026-04-19T22:53:19","slug":"thoi-the-doi-lam-toan-cho-gia-dinh-sung-tuc","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/thoi-the-doi-lam-toan-cho-gia-dinh-sung-tuc.html","title":{"rendered":"Th\u1eddi Th\u1ebf \u0110\u1ed5i, L\u00e0m To\u00e1n Cho Gia \u0110\u00ecnh Sung T\u00fac"},"content":{"rendered":"

#FHA<\/em><\/p>\n

#conforming<\/em><\/p>\n

#jumbo<\/em><\/p>\n

#points<\/em><\/p>\n

#closing_cost<\/em><\/p>\n

#pmi<\/em><\/p>\n

#impound_account<\/em><\/p>\n

#property_tax<\/em><\/p>\n

#home_insurance<\/em><\/p>\n

#adjustable<\/em><\/p>\n

#fixed<\/em><\/p>\n

#interest<\/em><\/p>\n

#HOA<\/em><\/p>\n

#lease_xe<\/em><\/p>\n

#ADU<\/em><\/p>\n

Th\u1eddi th\u1ebf \u0111\u1ed5i, m\u1ed7i ng\u00e0y \u0111\u1eddi s\u1ed1ng m\u1ed9t kh\u00f3 kh\u0103n v\u00ec l\u1ea1m ph\u00e1t l\u00ean v\u00e0 ti\u1ec1n l\u1eddi l\u00ean cao, m\u00ecnh ph\u1ea3i l\u00e0m to\u00e1n cho gia \u0111\u00ecnh sung t\u00fac thay v\u00ec l\u1ee5n b\u1ea1i theo th\u1eddi gian. Nh\u1eefng quy\u1ebft \u0111\u1ecbnh m\u00ecnh l\u00e0m cho kinh t\u1ebf gia \u0111\u00ecnh ph\u1ea3i c\u00f3 s\u1ef1 t\u00ednh to\u00e1n v\u00e0 ngh\u0129 ng\u1ee3i cho t\u01b0\u01a1ng lai thay v\u00ec theo h\u1ee9ng, theo d\u01b0 lu\u1eadn v\u00e0 khi l\u00e0m to\u00e1n \u0111\u00fang s\u1ebd th\u1ea5y t\u01b0\u01a1ng lai nh\u01b0 th\u1ebf n\u00e0o, h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac hay l\u1ee7ng c\u1ee7ng v\u00e0 kh\u1ed5 s\u1edf.<\/em><\/p>\n

M\u00ecnh s\u1ebd n\u00f3i l\u1ea1i v\u1ec1 hai vi\u1ec7c t\u1ed1n ti\u1ec1n nh\u1ea5t \u1edf M\u1ef9 l\u00e0 mua nh\u00e0 v\u00e0 mua xe.<\/em><\/p>\n

Mua Nh\u00e0<\/b>: M\u1ed9ng c\u1ee7a b\u1ea5t c\u1ee9 m\u1ed9t ng\u01b0\u1eddi M\u1ef9 n\u00e0o c\u0169ng l\u00e0 l\u00e0m ch\u1ee7 m\u1ed9t c\u0103n nh\u00e0 khang trang c\u00f3 h\u00e0ng r\u00e0o tr\u1eafng v\u00e0 xe \u0111\u1eb9p \u0111\u1ebd t\u1ed1t \u0111\u1ec3 \u0111i l\u00e0m, \u0111i ch\u01a1i. V\u00ec v\u1eadt gi\u00e1 leo thang m\u1ed9ng mua nh\u00e0 v\u00e0 xe \u0111\u1eb9p m\u1ed7i ng\u00e0y m\u1ed9t kh\u00f3 kh\u0103n m\u00e0 l\u01b0\u01a1ng b\u1ed5ng kh\u00f4ng l\u00ean k\u1ecbp v\u1edbi l\u1ea1m ph\u00e1t.<\/em><\/p>\n

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  1. Location, Location:<\/b> Mu\u1ed1n bi\u1ebft zipcode m\u00ecnh mu\u1ed1n mua nh\u00e0 t\u1ed1t hay x\u1ea5u th\u00ec v\u00e0o \u0111\u00e2y m\u00e0 tham kh\u1ea3o, v\u00ec n\u01a1i m\u00ecnh \u1edf s\u1ebd an to\u00e0n v\u00e0 t\u1ed1t cho gia \u0111\u00ecnh hay kh\u00f4ng tu\u1ef3 theo ng\u01b0\u1eddi \u1edf trong zipcode \u0111\u00f3, m\u00e0u da, h\u1ecdc th\u1ee9c, m\u1ef1c ki\u1ebfm ti\u1ec1n https:\/\/www.unitedstateszipcodes.org<\/a> v\u00e0 mu\u1ed1n so s\u00e1nh zipcodes v\u1edbi nhau th\u00ec d\u00f9ng website n\u00e0y https:\/\/www.mapszipcode.com\/zip-codes-comparison\/<\/a>.<\/em><\/li>\n
  2. T\u00ednh Ti\u1ec1n<\/b>: Sau khi l\u1ef1a \u0111\u01b0\u1ee3c nh\u00e0 khu t\u1ed1t cho gia \u0111\u00ecnh, ph\u1ea3i l\u00e0m to\u00e1n ti\u1ec1n ra ti\u1ec1n v\u00e0o cho gia \u0111\u00ecnh kh\u00f4ng b\u1ecb ch\u1eadt v\u1eadt, m\u00ecnh v\u1eabn \u0111i theo lu\u1eadt t\u1ed5ng s\u1ed1 ti\u1ec1n nh\u00e0 + ti\u1ec1n thu\u1ebf + ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u1ec9 b\u1eb1ng 1\/3 t\u1ed5ng s\u1ed1 ti\u1ec1n m\u00ecnh thu nh\u1eadp m\u1ed7i th\u00e1ng. Th\u00ed d\u1ee5 m\u00ecnh thu nh\u1eadp $100k\/n\u0103m th\u00ec t\u1ed5ng s\u1ed1 ti\u1ec1n cho mortgage + property tax + home insurance = $33.33k\/n\u0103m. Khi mua nh\u00e0 m\u00e0 c\u00f3 HOA l\u00e0 ph\u1ea3i t\u00ednh ti\u1ec1n n\u00e0y v\u00e0o h\u00e0ng th\u00e1ng c\u1ea3 \u0111\u1eddi. M\u00ecnh kh\u00f4ng mua nh\u00e0 c\u00f3 HOA v\u00ec m\u1ed7i n\u0103m ti\u1ec1n n\u00e0y m\u1ed9t l\u00ean m\u00e0 n\u00f3 v\u00f4 t\u00edch s\u1ef1 l\u1ea1i c\u1ea5m m\u00ecnh l\u00e0m \u0111\u1ee7 th\u1ee9 cho nh\u00e0 m\u00ecnh v\u00e0 b\u1eaft ph\u1ea3i theo lu\u1eadt c\u1ee7a n\u00f3. KD3T n\u1eefa.<\/em><\/li>\n
  3. L\u1ea5y loan v\u00e0 closing cost<\/b>: Hi\u1ec7n t\u1ea1i b\u00e1n nh\u00e0, l\u00e0m loan kinh t\u1ebf \u0111ang gi\u1ea3m nhi\u1ec1u n\u00ean nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0y \u0111ang \u0111\u00f3i v\u00e0 s\u1ebd ki\u1ebfm \u0111\u1ee7 m\u1ecdi c\u00e1ch \u0111\u1ec3 ki\u1ebfm th\u00eam ti\u1ec1n t\u1eeb nh\u1eefng ng\u01b0\u1eddi mua v\u00e0 b\u00e1n, n\u00ean ph\u1ea3i hi\u1ec3u v\u00e0 l\u1ef1a ch\u1ecdn ng\u01b0\u1eddi nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 kh\u1ecfi b\u1ecb t\u1ed1n th\u00eam ti\u1ec1n linh tinh. M\u00ecnh th\u00ec th\u00edch \u0111i online \u0111\u1ec3 l\u1ea5y mortgage l\u00e0 r\u1ebb nh\u1ea5t. Nh\u01b0ng nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng bi\u1ebft l\u00e0m th\u00ec ph\u1ea3i \u0111i v\u1edbi brokers \u0111\u1ec3 h\u1ecd gi\u00fap l\u1ea5y loan. C\u00f3 nhi\u1ec1u lo\u1ea1i loan kh\u00e1c nhau tu\u1ef3 theo ti\u1ec1n down, FICO score, th\u00ec theo m\u00ecnh th\u00ec kh\u00f4ng c\u00f3 \u0111\u1ee7 20% ti\u1ec1n down v\u00e0 FICO kh\u00f4ng t\u1ed1t th\u00ec kh\u00f4ng c\u00f4ng tr\u1ea1ng g\u00ec mua nh\u00e0 th\u1eddi th\u1ebf n\u00e0y c\u1ea3 v\u00ec:<\/em><\/li>\n
  4. FICO score m\u00e0 th\u1ea5p th\u00ec s\u1ebd ph\u1ea3i \u0111i FHA, ti\u1ec1n fees s\u1ebd nhi\u1ec1u h\u01a1n b\u00ecnh th\u01b0\u1eddng<\/b>.<\/em><\/li>\n
  5. 10% down th\u00ec b\u1ecb PMI (Private Mortgage Insurance)<\/b>: Ti\u1ec1n h\u00e0ng th\u00e1ng n\u00e0y s\u1ebd ph\u1ea3i tr\u1ea3 cho t\u1edbi khi gi\u00e1 nh\u00e0 l\u00ean tr\u00ean 20% ti\u1ec1n m\u01b0\u1ee3n m\u1edbi \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i \u0111\u1ec3 b\u1ecf \u0111i, nh\u01b0ng v\u1edbi th\u1eddi th\u1ebf b\u00e2y gi\u1edd, 20% tr\u00ean gi\u00e1 nh\u00e0 m\u00ecnh \u0111ang mua c\u0169ng ph\u1ea3i kh\u00e1 l\u00e2u. \u0110\u1eebng nghe ng\u01b0\u1eddi b\u00e1n nh\u00e0 h\u1ee9a h\u1eb9n s\u1ebd l\u00ean trong v\u00e0i n\u0103m.<\/em><\/li>\n
  6. Loan Fees:<\/b> Ti\u1ec1n l\u00e0m loan m\u1ed9t l\u00e0 cho v\u00e0o ti\u1ec1n l\u1eddi c\u1ee7a nh\u00e0 hay tr\u1ea3 b\u1eb1ng points, c\u00e1i n\u00e0o c\u0169ng ph\u1ea3i l\u00f2i ra b\u1eb1ng c\u00e1ch nh\u00ecn v\u00e0o APR ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n l\u1eddi c\u1ee7a loan. APR l\u00fac n\u00e0o c\u0169ng cao h\u01a1n ti\u1ec1n l\u1eddi c\u1ee7a nh\u00e0 v\u00ec n\u00f3 ph\u1ea3i b\u1ecf v\u00e0o ti\u1ec1n t\u1ed1n \u0111\u1ec3 l\u1ea5y c\u00e1i loan. Nhi\u1ec1u ng\u01b0\u1eddi n\u00f3i loan nh\u00e0 m\u00ecnh c\u00f3 6% nh\u01b0ng APR l\u1ea1i l\u00e0 7.1%. APR m\u00e0 c\u00e0ng g\u1ea7n v\u1edbi loan nh\u00e0 th\u1eadt th\u00ec t\u1ed1t.<\/em><\/li>\n
  7. Ti\u1ec1n l\u1eddi \u0111ang cao<\/b>, \u0111\u1eebng nghe l\u1eddi loan sharks h\u1ee9a h\u1eb9n \u0111i adjustable ho\u1eb7c fixed c\u00f3 th\u1eddi gian nh\u01b0 30\/5, 30\/7, ngh\u0129a l\u00e0 sau 5 n\u0103m ph\u1ea3i refinance. M\u00ecnh mua nh\u00e0 n\u0103m 2007, ti\u1ec1n l\u00e3i 6.8%-7.1% cho t\u1edbi n\u0103m 2021 m\u1edbi \u0111\u01b0\u1ee3c 2.5%, trong kho\u1ea3ng th\u1eddi gian n\u00e0y \u0111\u00e3 t\u1ed1n nhi\u1ec1u ti\u1ec1n refinance 4.5%, 3.5% m\u00e0 b\u00e2y gi\u1edd v\u1eabn c\u00f2n n\u1ee3 $500k t\u1eeb ti\u1ec1n m\u01b0\u1ee3n \u0111\u1ea7u ti\u1ec1n l\u00e0 $680k. \u0110\u00fang l\u00e0 KD3T.<\/em><\/li>\n
  8. Closing cost<\/b>: V\u00e0o \u0111\u00e2y \u0111\u1ec3 t\u00ednh th\u1eed ph\u1ea3i t\u1ed1n bao nhi\u00eau, n\u1ebfu th\u1ea5y \u201cother cost\u201d m\u00e0 l\u00ean nhi\u1ec1u th\u00ec l\u1ef1a broker kh\u00e1c m\u00e0 \u0111i https:\/\/www.zillow.com\/mortgage-calculator\/closing-cost-calculator\/<\/a><\/em><\/li>\n
  9. Impound Account<\/b>: Nhi\u1ec1u mortgage compan\u00edes \u0111\u00f2i h\u1ecfi impound account, ki\u1ebfm ch\u1ed7 kh\u00e1c m\u00e0 \u0111i v\u00ec impound account l\u00e0 b\u1eaft m\u00ecnh tr\u1ea3 tr\u01b0\u1edbc ti\u1ec1n property tax v\u00e0 home insurance, h\u1ecd charge m\u00ecnh 1\/12% ti\u1ec1n management fees m\u00e0 nhi\u1ec1u khi h\u1ecd tr\u1ea3 tr\u1ec5 b\u1ecb ti\u1ec1n ph\u1ea1t m\u00ecnh ph\u1ea3i b\u00f9 v\u00e0o. Nh\u1ea5t l\u00e0 home owner insurance mua to\u00e0n ch\u1ed7 \u0111\u1eaft r\u1ed3i b\u1eaft m\u00ecnh tr\u1ea3.<\/em><\/li>\n
  10. Piggy Loan<\/b>: N\u1ebfu ch\u1ec9 c\u00f3 10% down m\u00e0 kh\u00f4ng mu\u1ed1n b\u1ecb PMI th\u00ec ki\u1ebfm piggy loan 10% n\u1eefa cho \u0111\u1ee7 20% th\u00ec kh\u00f4ng b\u1ecb PMI, nh\u01b0ng piggy loan th\u00ec ti\u1ec1n l\u00e3i \u0111\u1eaft h\u01a1n b\u00ecnh th\u01b0\u1eddng.<\/em><\/li>\n
  11. ADU<\/b>: VN b\u00e2y gi\u1edd c\u00f3 v\u1ee5 Accessory Dwelling Unit, m\u1ea5y anh ch\u1ecb b\u00e1n nh\u00e0 d\u1ee5 mua c\u00e1i ch\u00f2i c\u00f3 \u0111\u1ea5t r\u1ed9ng \u0111\u1ec3 m\u00ecnh c\u00f3 th\u1ec3 l\u00e0m th\u00eam ADU cho thu\u00ea. L\u00e0m to\u00e1n th\u00ec bi\u1ebft bao nhi\u00eau l\u00e2u cho ng\u01b0\u1eddi l\u1ea1 v\u00e0o nh\u00e0 m\u1edbi l\u1ea5y l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ec1n v\u1ed1n b\u1ecf ra, l\u1ea1i n\u1ee3 ch\u1ed3ng ch\u1ea5t th\u00eam. \u1ede M\u1ef9 l\u00e0 \u0111\u01b0\u1ee3c s\u1ed1ng ri\u00eang t\u01b0, nh\u1eb9 nh\u00e0ng b\u00e2y gi\u1edd l\u1ea1i v\u00e1c nghi\u1ec7p v\u00e0o ng\u01b0\u1eddi \u1edf chung \u0111\u1ee5ng v\u1edbi ng\u01b0\u1eddi l\u1ea1 trong nh\u00e0, con c\u00e1i an to\u00e0n hay kh\u00f4ng? L\u1ea1i m\u1ed9t c\u00e1i KD3T.<\/em><\/li>\n
  12. Ng\u01b0\u1eddi \u0111\u1eddi c\u00f3 n\u00f3i, c\u00e1i kh\u00f3 n\u00f3 b\u00f3 c\u00e1i kh\u00f4n, nh\u01b0ng thi\u1ec7t ra m\u00ecnh s\u1ed1ng \u0111\u00e0ng ho\u00e0ng, tr\u1eddi \u0111\u1ed9 th\u00ec s\u1ebd g\u1eb7p nhi\u1ec1u may m\u1eafn m\u00e0 kh\u00f4ng quy\u1ebft \u0111\u1ecbnh KD3T \u0111\u1ec3 gia \u0111\u00ecnh \u0111\u01b0\u1ee3c h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac, s\u1ebd gi\u1ecfi to\u00e1n thay v\u00ec d\u1ed1t.<\/em><\/li>\n<\/ol>\n

    Mua Xe<\/b>: B\u00e2y gi\u1edd gi\u00e1 x\u0103ng l\u00ean $5-$7\/gallon, nhi\u1ec1u ng\u01b0\u1eddi h\u1ed1t ho\u1ea3ng nh\u01b0 m\u1ea5y n\u0103m tr\u01b0\u1edbc ch\u1ea1y v\u1ed9i \u0111i mua xe \u0111i\u1ec7n nh\u01b0 Tesla, l\u1ea1i KD3T n\u1eefa. Xe l\u00e0 d\u1ee5ng c\u1ee5 di chuy\u1ec3n \u0111\u1ec3 \u0111i l\u00e0m, \u0111i h\u1ecdc v\u00e0 \u0111\u1ec3 ki\u1ebfm ti\u1ec1n. L\u00e0m to\u00e1n th\u00ec s\u1ebd bi\u1ebft.<\/em><\/p>\n

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    1. Gi\u00e1 xe, v\u00e0 ti\u1ec1n l\u1eddi<\/b>: Gi\u00e1 xe v\u00e0 ti\u1ec1n n\u1ee3 xe hi\u1ec7n t\u1ea1i trung b\u00ecnh l\u00e0 $43k thay v\u00ec $29k n\u0103m 2015. Trung b\u00ecnh ti\u1ec1n l\u00e3i l\u00e0 6%-7% v\u00e0 \u0111a s\u1ed1 tr\u1ea3 72 th\u00e1ng thay v\u00ec 60 th\u00e1ng nh\u01b0 ng\u00e0y x\u01b0a v\u00ec ti\u1ec1n m\u01b0\u1ee3n nhi\u1ec1u h\u01a1n. Xe x\u0103ng b\u00e2y gi\u1edd trung b\u00ecnh l\u00e0 40MPG c\u00f2n hybrid 44\/51MPG.<\/em><\/li>\n
    2. Mua xe m\u1edbi thay v\u00ec xe c\u0169:<\/b> C\u00e1i m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ec3 \u00fd l\u00e0 xe m\u1edbi kh\u00f4ng \u0111\u1eaft h\u01a1n xe c\u0169 nhi\u1ec1u m\u00e0 l\u1ea1i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m 3 n\u0103m kh\u00f4ng t\u1ed1n \u0111\u1ed3ng n\u00e0o \u0111\u1ec3 s\u1eeda v\u00e0 c\u00f2n \u0111\u01b0\u1ee3c ti\u1ec1n l\u1eddi \u0111\u1eb7c bi\u1ec7t th\u1ea5p h\u01a1n xe c\u0169, l\u1ea1i ph\u1ea3i l\u00e0m to\u00e1n n\u1eefa. Ham h\u1ed1 g\u00ec nhi\u1ec1u s\u1ef1 ti\u1ec7n nghi m\u00e0 mua model \u0111\u1eaft ti\u1ec1n, xe \u0111\u1ec3 di chuy\u1ec3n, mua c\u00e1i n\u00e0o r\u1ebb nh\u1ea5t v\u00e0 t\u1ed1t nh\u1ea5t, Honda Accord $30k x\u0103ng v\u00e0 $33k hybrid, Toyota Camry $30k hybrid c\u1ea3 hai \u0111\u1ec1u \u0111\u01b0\u1ee3c lease r\u1ebb v\u00e0 ti\u1ec1n l\u1eddi 4.99%.<\/em><\/li>\n
    3. Xe \u0110i\u1ec7n v\u00e0 Xe X\u0103ng<\/b>: Ai c\u0169ng n\u00f3i x\u0103ng l\u00ean ph\u1ea3i mua xe \u0111i\u1ec7n, Tesla n\u1ed5i ti\u1ebfng m\u1ea5t gi\u00e1 trong 5 n\u0103m nhi\u1ec1u h\u01a1n Toyota Camry hay Honda Accord. L\u1ea1i l\u00e0m to\u00e1n n\u1eefa. Supercharger b\u00e2y gi\u1edd trung b\u00ecnh l\u00e0 $.55\/kWh. Tesla ch\u1ea1y \u0111\u01b0\u1ee3c 3.5 mile\/kWh. Xe accord\/camry ch\u1ea1y trung b\u00ecnh 40mpg, th\u00ed d\u1ee5 ch\u1ea1y 40 miles, x\u0103ng $6, \u0111\u1ed5 Costco Regular $5.3, nh\u01b0ng c\u1ee9 cho $6. Ch\u1ea1y 40 miles, Accord v\u00e0 Camry t\u1ed1n $6. Tesla 40m\/j3.5m l\u00e0 11.43kWh x .55 = $6.2, Ch\u01b0a t\u00ednh ti\u1ec1n l\u1ed7 khi b\u00e1n l\u1ea1i 5 n\u0103m sau m\u1ea5t 40%-50%. Gi\u00e1 MY b\u00e2y gi\u1edd l\u00e0 $44k v\u00e0 Camy v\u00e0 Accord l\u00e0 $33k. L\u00e0m to\u00e1n.<\/em><\/li>\n<\/ol>\n

      Th\u1eddi th\u1ebf \u0111\u1ed5i, s\u1ef1 hi\u1ec3u bi\u1ebft ph\u1ea3i \u0111\u1ed5i theo th\u1eddi gian, ph\u1ea3i t\u00ecm hi\u1ec3u kinh t\u1ebf \u0111ang \u0111i v\u1ec1 \u0111\u00e2u v\u00e0 kinh t\u1ebf gia \u0111\u00ecnh ph\u1ea3i nh\u01b0 th\u1ebf n\u00e0o cho t\u01b0\u01a1ng lai. 30 n\u0103m ti\u1ec1n nh\u00e0 v\u00e0 6 n\u0103m ti\u1ec1n xe l\u00e0 r\u1ea5t l\u00e2u, ch\u01b0a k\u1ec3 ti\u1ec1n linh t\u00ecnh h\u00e0ng th\u00e1ng \u0103n u\u1ed1ng, \u0111i\u1ec7n tho\u1ea1i, xe h\u01b0, nh\u00e0 h\u01b0, b\u1ea3o hi\u1ec3m xe m\u1ed7i ng\u00e0y m\u1ed9t l\u00ean, \u0111i\u1ec7n, n\u01b0\u1edbc, gas, r\u00e1c, r\u01b0\u1edfi, v\u1ecf xe, \u0111\u1ee7 th\u1ee9, kh\u00f4ng l\u00e0m to\u00e1n th\u00ec c\u1ea3 \u0111\u1eddi ch\u1eadt v\u1eadt v\u00ec l\u01b0\u01a1ng b\u1ed5ng kh\u00f4ng l\u00ean nhi\u1ec1u b\u1eb1ng l\u1ea1m ph\u00e1t. D\u1ed1t to\u00e1n th\u00ec ph\u1ea3i h\u1ecdc l\u1ea1i to\u00e1n \u0111\u1ec3 gia \u0111inh h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac. Ph\u1ea3i c\u00f3 ti\u1ec1n \u0111\u1ec3 d\u00e0nh sau m\u1ecdi chi ph\u00ed \u0111\u1ec3 ti\u1ec1n \u0111\u1ebb ra ti\u1ec1n, 26%\/n\u0103m t\u1eeb th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c cho ti\u1ec1n m\u1eb7t trong c\u00f4ng, ti\u1ec1n n\u00e0y l\u00e0m to\u00e1n \u0111\u00fang s\u1ebd gi\u00fap trang tr\u1ea3i nhi\u1ec1u th\u1ee9 ti\u1ec1n t\u1ed1n k\u00e9m h\u00e0ng ng\u00e0y, c\u00f2n kh\u00f4ng c\u1ea7n th\u00ec n\u00f3 s\u1ebd compound 3 n\u0103m 100%. \u0110\u1eddi s\u1ebd \u0111\u1eb9p.<\/em><\/p>\n

      L\u00e0m to\u00e1n n\u1eefa<\/b>, c\u00f3 $50k tr\u1ea3 cash cho xe \u0111\u1ec3 kh\u1ecfi ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng. Mua xe ho\u1eb7c lease xe 0 down, th\u00ed d\u1ee5 Camry $491\/th\u00e1ng mua. $50k b\u1ecf brokerage, 26%\/n\u0103m l\u00e0 $13k, \u0111\u00f3ng thu\u1ebf 25% – $3.25k =$9.75k\/12 \u2009=\u2009$0.813\u00b7K$813\/th\u00e1ng, tha h\u1ed3 ch\u1ea1y xe kh\u00f4ng t\u1ed1n \u0111\u1ed3ng n\u00e0o.<\/em><\/p>\n

      M\u1ed7i ng\u01b0\u1eddi m\u1ed7i \u00fd, tr\u1eddi cho m\u1ed7i ng\u01b0\u1eddi kh\u00e1c nhau, m\u1ea1nh ai n\u1ea5y s\u1ed1ng. Ch\u00fac m\u1ecdi ng\u01b0\u1eddi th\u1eadt kho\u1ebb m\u1ea1nh, h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac.<\/b><\/em><\/i><\/b><\/p>\n