N\u1ebfu b\u1ea1n vay m\u1ed9t s\u1ed1 ti\u1ec1n v\u1eeba ph\u1ea3i, kho\u1ea3ng 300 \u2013 400 tr\u0103m tri\u1ec7u v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i kho\u1ea3ng 0,5 \u2013 0,6%\/th\u00e1ng th\u00ec c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. N\u1ebfu l\u00e3i su\u1ea5t cao h\u01a1n v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n mu\u1ed1n vay c\u0169ng l\u1edbn h\u01a1n th\u00ec b\u1ea1n n\u00ean c\u00e2n nh\u1eafc th\u1eadt k\u1ef9. X\u00e1c \u0111\u1ecbnh vay ti\u1ec1n \u0111i h\u1ecdc c\u0169ng c\u1ea7n b\u1ea1n ph\u1ea3i c\u00f3 \u201cb\u1ea3n l\u0129nh cao c\u01b0\u1eddng\u201d \u0111\u1ea5y, v\u00ec n\u1ebfu trong qu\u00e1 tr\u00ecnh h\u1ecdc b\u1ea1n b\u1ecb th\u00f4i h\u1ecdc v\u00ec m\u1ed9t l\u00fd do n\u00e0o \u0111\u00f3 th\u00ec b\u1ea1n v\u00e0 gia \u0111\u00ecnh ph\u1ea3i \u00f4m \u0111\u1ed1ng n\u1ee3 l\u1edbn.<\/div>\n
C\u00f2n theo quan \u0111i\u1ec3m c\u1ee7a b\u1ea1n Tr\u00fac Linh (c\u1ef1u du h\u1ecdc sinh tr\u01b0\u1eddng NTU, Singapore) th\u00ec: N\u00ean vay v\u1ed1n hay kh\u00f4ng t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 nh\u01b0: B\u1ea1n \u0111\u1ecbnh vay ti\u1ec1n \u0111i h\u1ecdc g\u00ec, trong bao l\u00e2u, ph\u01b0\u01a1ng \u00e1n tr\u1ea3 n\u1ee3 th\u1ebf n\u00e0o?,… M\u00ecnh c\u0169ng \u0111\u00e3 t\u1eebng vay v\u1ed1n \u0111i h\u1ecdc th\u1ea1c s\u1ef9 t\u1ea1i Sing, tuy nhi\u00ean m\u00ecnh ch\u1ec9 vay 50% th\u00f4i, v\u00ec m\u00ecnh \u0111\u01b0\u1ee3c h\u1ecdc b\u1ed5ng 50% v\u00e0 quan tr\u1ecdng l\u00e0 m\u00ecnh \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 Singapore cho vay r\u1ea5t \u01b0u \u0111\u00e3i, g\u1ea7n nh\u01b0 kh\u00f4ng l\u00e3i su\u1ea5t. Th\u1ebf n\u00ean, sau khi t\u1ed1t nghi\u1ec7p m\u00ecnh \u1edf l\u1ea1i l\u00e0m vi\u1ec7c kho\u1ea3ng 2 n\u0103m l\u00e0 \u0111\u1ee7 ti\u1ec1n tr\u1ea3 n\u1ee3 v\u00e0 l\u00fac n\u00e0y trong tay c\u00f3 t\u1ea5m b\u1eb1ng th\u1ea1c s\u1ef9.<\/p>\n
Ban \u0111\u1ea7u, m\u1ecdi ng\u01b0\u1eddi ai c\u0169ng lo l\u1eafng cho m\u00ecnh, n\u00f3i r\u1eb1ng nh\u01b0 th\u1ebf l\u00e0 m\u1ea1o hi\u1ec3m v\u00ec m\u1edbi t\u00fd tu\u1ed5i \u0111\u1ea7u \u0111\u00e3 r\u01b0\u1edbc m\u1ed9t \u0111\u1ed1ng n\u1ee3 v\u00e0o th\u00e2n. Th\u1eddi gian \u0111\u00f3, m\u00ecnh suy ngh\u0129 r\u1ea5t nhi\u1ec1u, c\u00f3 l\u00fac stress \u0111\u1ea5y, xong cu\u1ed1i c\u00f9ng m\u00ecnh \u0111\u00e3 l\u00ean \u0111\u01b0\u1ee3c m\u1ed9t k\u1ebf ho\u1ea1ch t\u1ec9 m\u1ec9 v\u00e0 th\u1eadn tr\u1ecdng l\u00e0m theo t\u1eebng b\u01b0\u1edbc trong qu\u00e1 tr\u00ecnh \u0111i h\u1ecdc. Cu\u1ed1i c\u00f9ng m\u00ecnh c\u0169ng th\u00e0nh c\u00f4ng, nh\u01b0ng n\u1ebfu b\u1ea1n du h\u1ecdc t\u1ef1 t\u00fac th\u00ec ph\u1ea3i lu\u00f4n nh\u1edb trong \u0111\u1ea7u hai ch\u1eef \u201cc\u1ea7n, ki\u1ec7m\u201d nh\u00e9!<\/p>\n
Theo chia s\u1ebb c\u1ee7a c\u00f4 C\u1ea9m V\u00e2n, ng\u01b0\u1eddi \u0111\u00e3 c\u00f3 hai con \u0111i du h\u1ecdc t\u1ef1 t\u00fac th\u00ec, c\u00e1c b\u1ea1n v\u00e0 c\u00e1c b\u1eadc ph\u1ee5 huynh n\u00ean tham kh\u1ea3o k\u1ef9 tr\u01b0\u1edbc khi vay v\u1ed1n cho con \u0111i h\u1ecdc. Th\u1eddi \u0111i\u1ec3m con t\u00f4i \u0111i du h\u1ecdc l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u1ed1i ph\u00f9 h\u1ee3p, t\u00f4i \u0111\u01b0\u1ee3c vay 0.4 \u2013 0.5%\/th\u00e1ng, h\u01a1n n\u1eefa s\u1ed1 ti\u1ec1n t\u00f4i vay kh\u00f4ng nhi\u1ec1u, ch\u1ec9 1\/3 chi ph\u00ed trong qu\u00e1 tr\u00ecnh h\u1ecdc, s\u1ed1 c\u00f2n l\u1ea1i gia \u0111\u00ecnh \u0111\u00e3 c\u00f3 s\u1eb5n v\u00ec th\u1ebf c\u0169ng thu\u1eadn ti\u1ec7n. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n vay 100% chi ph\u00ed c\u1ee7a kh\u00f3a h\u1ecdc th\u00ec ph\u1ea3i c\u00e2n nh\u1eafc th\u1eadt k\u1ef9 v\u00ec hi\u1ec7n nay l\u00e3i su\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng cho vay t\u01b0\u01a1ng \u0111\u1ed1i cao, k\u1ec3 c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i th\u00ec c\u0169ng kh\u00f4ng ph\u00f9 h\u1ee3p l\u1eafm v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111i h\u1ecdc.<\/p>\n
Ngo\u00e0i ra, t\u1ea1i nhi\u1ec1u tr\u01b0\u1eddng, h\u1ecdc ph\u00ed th\u01b0\u1eddng xuy\u00ean t\u0103ng 0 \u2013 30% m\u1ed7i n\u0103m. Nh\u01b0 v\u1eady, ngo\u00e0i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p v\u00e0 kho\u1ea3n chi tr\u1ea3 ti\u1ec1n m\u01b0\u1ee3n v\u00e0 l\u00e3i su\u1ea5t h\u00e0ng th\u00e1ng, gia \u0111\u00ecnh ph\u1ea3i chu\u1ea9n b\u1ecb c\u00e1c ph\u01b0\u01a1ng \u00e1n kh\u00e1c n\u1ebfu gi\u00e1 tr\u1ecb \u0111\u1ed3ng ti\u1ec1n c\u1ee7a n\u01b0\u1edbc du h\u1ecdc thay \u0111\u1ed5i v\u00e0 h\u1ecdc ph\u00ed gia t\u0103ng. Vay ng\u00e2n h\u00e0ng l\u00e0 ch\u1ea5p nh\u1eadn m\u1ea1o hi\u1ec3m \u0111\u1ed1i v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n mang ra th\u1ebf ch\u1ea5p v\u00e0 ch\u1ecbu r\u1ee7i ro khi th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 bi\u1ebfn \u0111\u1ed9ng.<\/div>\n
<\/div>\n
V\u1edbi nh\u1eefng chia s\u1ebb tr\u00ean, chuy\u00ean m\u1ee5c Du h\u1ecdc b\u00e1o D\u00e2n tr\u00ed mong r\u1eb1ng nh\u1eefng ai c\u00f3 \u00fd \u0111\u1ecbnh \u0111i du h\u1ecdc t\u1ef1 t\u00fac b\u1eb1ng vi\u1ec7c vay v\u1ed1n c\u00f3 th\u00eam th\u00f4ng tin tham kh\u1ea3o b\u1ed5 \u00edch \u0111\u1ec3 \u0111\u01b0a ra l\u1ef1a ch\u1ecdn s\u00e1ng su\u1ed1t nh\u1ea5t.<\/div>\n
<\/div>\n
Song An<\/strong><\/div>\n(D\u00e2n tr\u00ed)<\/div>\n<\/div>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
– \u0110\u01b0\u1ee3c h\u1ecdc t\u1eadp trong m\u00f4i tr\u01b0\u1eddng gi\u00e1o d\u1ee5c ti\u00ean ti\u1ebfn l\u00e0 \u01b0\u1edbc m\u01a1 c\u1ee7a nhi\u1ec1u b\u1ea1n tr\u1ebb. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ai c\u0169ng \u0111\u1ee7 b\u1ea3n l\u0129nh \u201c\u1eb5m\u201d h\u1ecdc b\u1ed5ng. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n mu\u1ed1n du h\u1ecdc t\u1ef1 t\u00fac nh\u01b0ng kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh th\u00ec c\u00f3 n\u00ean kh\u00f4ng vi\u1ec7c vay v\u1ed1n ng\u00e2n h\u00e0ng? […]<\/p>\n","protected":false},"author":17,"featured_media":10994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1977],"tags":[],"_links":{"self":[{"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/posts\/10992"}],"collection":[{"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/comments?post=10992"}],"version-history":[{"count":0,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/posts\/10992\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/media\/10994"}],"wp:attachment":[{"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/media?parent=10992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/categories?post=10992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scholarshipplanet.info\/vi\/wp-json\/wp\/v2\/tags?post=10992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"\"](\"https:\/\/scholarshipplanet.info\/vi\/wp-content\/uploads\/2012\/12\/DU-HOC_1-3ab30.jpg\" "\\"DU-HOC_1-3ab30\\"")
<\/a><\/div>\n