B\u1ea1n ch\u1ecdn m\u1ed9t m\u1eabu xe ho\u1eb7c nh\u1eadp gi\u00e1, sau \u0111\u00f3 \u0111i\u1ec1u ch\u1ec9nh b\u1ed1n th\u00f4ng s\u1ed1: gi\u00e1 xe<\/strong>, t\u1ef7 l\u1ec7 tr\u1ea3 tr\u01b0\u1edbc<\/strong> (ph\u1ea7n tr\u0103m gi\u00e1 xe tr\u1ea3 ngay), k\u1ef3 h\u1ea1n vay<\/strong> (s\u1ed1 n\u0103m) v\u00e0 l\u00e3i su\u1ea5t n\u0103m<\/strong>. C\u00f4ng c\u1ee5 cho ra s\u1ed1 ti\u1ec1n vay, kho\u1ea3n ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng, t\u1ed5ng l\u00e3i v\u00e0 t\u1ed5ng ti\u1ec1n ph\u1ea3i tr\u1ea3. M\u1ecdi con s\u1ed1 mang t\u00ednh minh h\u1ecda; l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf do ng\u00e2n h\u00e0ng quy\u1ebft \u0111\u1ecbnh.<\/p>\n M\u1ed7i th\u00e1ng b\u1ea1n tr\u1ea3 m\u1ed9t ph\u1ea7n g\u1ed1c c\u1ed1 \u0111\u1ecbnh, b\u1eb1ng s\u1ed1 ti\u1ec1n vay chia s\u1ed1 th\u00e1ng, c\u1ed9ng l\u00e3i t\u00ednh tr\u00ean d\u01b0 n\u1ee3 c\u00f2n l\u1ea1i. L\u00e3i th\u00e1ng b\u1eb1ng d\u01b0 n\u1ee3 \u0111\u1ea7u k\u1ef3 nh\u00e2n l\u00e3i su\u1ea5t n\u0103m chia 12. V\u00ec d\u01b0 n\u1ee3 gi\u1ea3m n\u00ean kho\u1ea3n tr\u1ea3 gi\u1ea3m d\u1ea7n: th\u00e1ng \u0111\u1ea7u cao nh\u1ea5t, th\u00e1ng cu\u1ed1i th\u1ea5p nh\u1ea5t. C\u00e1ch n\u00e0y t\u1ed5ng l\u00e3i th\u1ea5p h\u01a1n nh\u01b0ng \u00e1p l\u1ef1c nh\u1eefng th\u00e1ng \u0111\u1ea7u l\u1edbn h\u01a1n.<\/p>\n Kho\u1ea3n tr\u1ea3 m\u1ed7i th\u00e1ng c\u1ed1 \u0111\u1ecbnh. C\u00f4ng th\u1ee9c: PMT = P x r \/ (1 – (1 + r)^-n), trong \u0111\u00f3 P l\u00e0 s\u1ed1 ti\u1ec1n vay, r l\u00e0 l\u00e3i su\u1ea5t th\u00e1ng v\u00e0 n l\u00e0 s\u1ed1 th\u00e1ng. Nh\u1eefng th\u00e1ng \u0111\u1ea7u ph\u1ea7n l\u00e3i chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn, v\u1ec1 sau ph\u1ea7n g\u1ed1c t\u0103ng d\u1ea7n. C\u00e1ch n\u00e0y d\u1ec5 l\u1eadp k\u1ebf ho\u1ea1ch d\u00f2ng ti\u1ec1n h\u01a1n.<\/p>\n Aeon S<\/a> c\u00f3 gi\u00e1 1,19 t\u1ef7 \u0111\u1ed3ng. Gi\u1ea3 s\u1eed tr\u1ea3 tr\u01b0\u1edbc 30% (357 tri\u1ec7u \u0111\u1ed3ng), vay 833 tri\u1ec7u \u0111\u1ed3ng trong 7 n\u0103m (84 th\u00e1ng) v\u1edbi l\u00e3i su\u1ea5t minh h\u1ecda 9%\/n\u0103m, t\u1ee9c r = 0,75% m\u1ed7i th\u00e1ng.<\/p>\n Con s\u1ed1 l\u00e0m tr\u00f2n, ch\u1ec9 \u0111\u1ec3 b\u1ea1n h\u00ecnh dung. Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u00ednh l\u00e3i theo ng\u00e0y, c\u00f3 giai \u0111o\u1ea1n l\u00e3i \u01b0u \u0111\u00e3i r\u1ed3i th\u1ea3 n\u1ed5i v\u00e0 c\u00f3 th\u1ec3 thu ph\u00ed kh\u00e1c.<\/p>\n Kho\u1ea3n tr\u1ea3 g\u00f3p m\u1edbi l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a chi ph\u00ed s\u1edf h\u1eefu. H\u00e3y c\u1ed9ng th\u00eam chi ph\u00ed v\u1eadn h\u00e0nh b\u1eb1ng c\u00f4ng c\u1ee5 t\u00ednh chi ph\u00ed s\u1eed d\u1ee5ng<\/a>, b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c kho\u1ea3n ph\u00ed l\u0103n b\u00e1nh; quy \u0111\u1ecbnh thu\u1ebf, ph\u00ed thay \u0111\u1ed5i theo th\u1eddi gian n\u00ean b\u1ea1n c\u1ea7n x\u00e1c nh\u1eadn l\u1ea1i t\u1ea1i th\u1eddi \u0111i\u1ec3m mua. Xem th\u00eam b\u00e0i th\u1ee7 t\u1ee5c l\u0103n b\u00e1nh xe \u0111i\u1ec7n t\u1ea1i TP.HCM<\/a>. Khi \u0111\u00e3 c\u00f3 con s\u1ed1, h\u00e3y li\u00ean h\u1ec7<\/a> nh\u00f3m t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh ho\u1eb7c so s\u00e1nh c\u00e1c m\u1eabu t\u1ea1i so s\u00e1nh xe<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" C\u00f4ng c\u1ee5 t\u00ednh g\u00ec B\u1ea1n ch\u1ecdn m\u1ed9t m\u1eabu xe ho\u1eb7c nh\u1eadp gi\u00e1, sau \u0111\u00f3 \u0111i\u1ec1u ch\u1ec9nh b\u1ed1n th\u00f4ng s\u1ed1: gi\u00e1 xe, t\u1ef7 l\u1ec7 tr\u1ea3 tr\u01b0\u1edbc (ph\u1ea7n tr\u0103m gi\u00e1\u2026<\/p>\n","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-11","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/pages\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":1,"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/pages\/11\/revisions"}],"predecessor-version":[{"id":69,"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/pages\/11\/revisions\/69"}],"wp:attachment":[{"href":"https:\/\/demo.marketingseotop.com\/veloce\/wp-json\/wp\/v2\/media?parent=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Hai c\u00e1ch t\u00ednh ph\u1ed5 bi\u1ebfn<\/h2>\n
D\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/h3>\n
Ni\u00ean kim \u0111\u1ec1u (annuity)<\/h3>\n
V\u00ed d\u1ee5 v\u1edbi Aeon S<\/h2>\n
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C\u00e1ch ch\u1ecdn t\u1ef7 l\u1ec7 tr\u1ea3 tr\u01b0\u1edbc v\u00e0 k\u1ef3 h\u1ea1n<\/h2>\n
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\u0110\u1eebng qu\u00ean chi ph\u00ed kh\u00e1c<\/h2>\n