{"id":54,"date":"2025-01-25T15:32:58","date_gmt":"2025-01-25T15:32:58","guid":{"rendered":"https:\/\/henryhuyennguyen.com\/eng\/?p=54"},"modified":"2025-01-25T15:33:01","modified_gmt":"2025-01-25T15:33:01","slug":"toi-co-kha-nang-mua-duoc-can-nha-bao-nhieu","status":"publish","type":"post","link":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/2025\/01\/25\/toi-co-kha-nang-mua-duoc-can-nha-bao-nhieu\/","title":{"rendered":"T\u00f4i c\u00f3 kh\u1ea3 n\u0103ng mua \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 bao\u00a0nhi\u00eau?"},"content":{"rendered":"\n<p><em>T\u00f4i l\u00e0m \u0111\u01b0\u1ee3c $80,000\/n\u0103m. M\u1ed7i th\u00e1ng tr\u1ea3 n\u1ee3 xe, th\u1ebb t\u00edn d\u1ee5ng h\u1ebft $700. T\u00f4i c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 bao nhi\u00eau?<\/em><\/p>\n\n\n\n<p>Tr\u01b0\u1edbc khi ch\u1ea5p thu\u1eadn cho m\u01b0\u1ee3n ti\u1ec1n, nh\u00e0 b\u0103ng th\u00f4ng th\u01b0\u1eddng nh\u00ecn v\u00e0o t\u1ec9 s\u1ed1 n\u1ee3 tr\u00ean l\u1ee3i t\u1ee9c (debt to income ratio) h\u00e0ng th\u00e1ng. Nh\u00ecn v\u00e0o s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 \u0111o\u00e1n \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a b\u1ea1n.&nbsp;S\u1ed1 c\u00e0ng nh\u1ecf c\u00e0ng t\u1ed1t. V\u00ed d\u1ee5: anh A l\u00e0m l\u01b0\u01a1ng $10,000\/th\u00e1ng. M\u1ed9t m\u1ee9c l\u01b0\u01a1ng t\u01b0\u01a1ng \u0111\u1ed1i cao. Tuy nhi\u00ean, m\u1ed7i th\u00e1ng anh ph\u1ea3i chi ra $9,000 \u0111\u1ec3 tr\u1ea3 cho c\u00e1c kho\u1ea3n n\u1ee3 nh\u00e0, n\u1ee3 xe, n\u1ee3 ti\u1ec1n h\u1ecdc, chu c\u1ea5p con, v.v\u2026 V\u00ec v\u1eady t\u1ec9 s\u1ed1 n\u1ee3 tr\u00ean l\u1ee3i t\u1ee9c c\u1ee7a anh A s\u1ebd l\u00e0 $9,000\/$10,000 = 90%. M\u1ed9t t\u1ec9 s\u1ed1 qu\u00e1 cao cho th\u1ea5y anh s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n n\u1ebfu m\u01b0\u1ee3n th\u00eam n\u1ee3. Th\u00f4ng th\u01b0\u1eddng nh\u00e0 b\u0103ng mu\u1ed1n th\u1ea5y m\u1ed9t con s\u1ed1 nh\u1ecf h\u01a1n 28% (tr\u01b0\u1eddng h\u1ee3p #1 d\u01b0\u1edbi \u0111\u00e2y) v\u00e0 nh\u1ecf h\u01a1n 36% (tr\u01b0\u1eddng h\u1ee3p #2).<\/p>\n\n\n\n<p><strong>Tr\u01b0\u1eddng h\u1ee3p #1 (Front end)<\/strong>: Tr\u01b0\u1edbc khi t\u00ecm hi\u1ec3u xem b\u1ea1n c\u00f3 nh\u1eefng kho\u1ea3n n\u1ee3 n\u00e0o kh\u00e1c, nh\u00e0 b\u0103ng mu\u1ed1n th\u1ea5y t\u1ec9 s\u1ed1 n\u1ee3 tr\u00ean l\u1ee3i t\u1ee9c&nbsp; &lt; 28%. Trong tr\u01b0\u1eddng h\u1ee3p l\u1ee3i t\u1ee9c c\u1ee7a b\u1ea1n l\u00e0 $80,000\/n\u0103m hay $6,666\/th\u00e1ng. Th\u00ec b\u1ea1n n\u00ean tr\u1ea3 ti\u1ec1n nh\u00e0 (c\u1ed9ng thu\u1ebf, b\u1ea3o hi\u1ec3m nh\u00e0, b\u1ea3o hi\u1ec3m n\u1ee3) kh\u00f4ng qu\u00e1 $1,866&nbsp; (28% c\u1ee7a $6,666 = $1,866).<\/p>\n\n\n\n<p><strong>Tr\u01b0\u1eddng h\u1ee3p #2 (Back end \u2013 Quan tr\u1ecdng h\u01a1n):<\/strong>&nbsp;Sau khi t\u00ecm hi\u1ec3u v\u00e0 bi\u1ebft \u0111\u01b0\u1ee3c b\u1ea1n c\u00f3 n\u1ee3 xe, n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, n\u1ee3 ti\u1ec1n h\u1ecdc v.v\u2026 Nh\u00e0 b\u0103ng mu\u1ed1n th\u1ea5y t\u1ec9 s\u1ed1 n\u1ee3 tr\u00ean l\u1ee3i t\u1ee9c &lt; 36%. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n l\u00e0m $6,666\/th\u00e1ng. N\u1ebfu c\u00e1c n\u1ee3 tr\u1ea3 h\u00e0ng th\u00e1ng (th\u1ebb t\u00edn d\u1ee5ng, ti\u1ec1n h\u1ecdc v.v) l\u00e0 $700\/th\u00e1ng. Th\u00ec b\u1ea1n n\u00ean tr\u1ea3 ti\u1ec1n nh\u00e0 (c\u1ed9ng thu\u1ebf, b\u1ea3o hi\u1ec3m nh\u00e0, b\u1ea3o hi\u1ec3m n\u1ee3) kh\u00f4ng qu\u00e1 $1,699.<br>Ti\u1ec1n nh\u00e0 + $700 (n\u1ee3 kh\u00e1c) &lt; 36% c\u1ee7a $6,666 hay $2,399. V\u00ec v\u1eady ti\u1ec1n nh\u00e0 &lt; $1699.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, con s\u1ed1 28% v\u00e0 36% giao \u0111\u1ed9ng t\u00f9y v\u00e0o nh\u00e0 b\u0103ng, \u0111i\u1ec3m t\u00edn d\u1ee5ng, ch\u01b0\u01a1ng tr\u00ecnh n\u1ee3 (FHA, Conventional) v.v.. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 33\/47. S\u1ed1 n\u00e0y c\u00e0ng cao c\u00f3 ngh\u0129a nh\u00e0 b\u0103ng ch\u1ea5p thu\u1eadn cho b\u1ea1n vay c\u00e0ng nhi\u1ec1u.<\/p>\n\n\n\n<p>L\u01b0u \u00fd: kh\u1ea3 n\u0103ng m\u01b0\u1ee3n n\u1ee3 c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 kh\u00e1c v\u1edbi kh\u1ea3 n\u0103ng chi tr\u1ea3 (\u0111\u1ec3 s\u1ed1ng tho\u1ea3i m\u00e1i). Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p nh\u00e0 b\u0103ng s\u1ebd cho b\u1ea1n m\u01b0\u1ee3n qu\u00e1 nhi\u1ec1u v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 ti\u1ec1n tr\u1ea3 h\u00e0ng th\u00e1ng qu\u00e1 cao s\u1ebd \u1ea3nh h\u01b0\u1edfng t\u1edbi cu\u1ed9c s\u1ed1ng gia \u0111\u00ecnh.<\/p>\n\n\n\n<p>Theo nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u1ec3 c\u00f2n l\u1ea1i \u0111\u1ee7 ti\u1ec1n cho c\u00e1c chi ti\u00eau c\u00e1 nh\u00e2n kh\u00e1c th\u00ec t\u1ed5ng ti\u1ec1n nh\u00e0 (c\u1ed9ng thu\u1ebf, b\u1ea3o hi\u1ec3m nh\u00e0, b\u1ea3o hi\u1ec3m n\u1ee3) + t\u1ed5ng ti\u1ec1n n\u1ee3 kh\u00e1c (th\u1ebb t\u00edn d\u1ee5ng, n\u1ee3 xe, v.v\u2026) kh\u00f4ng \u0111\u01b0\u1ee3c qu\u00e1 1\/3 ti\u1ec1n l\u01b0\u01a1ng th\u00e1ng (tr\u01b0\u1edbc thu\u1ebf). Tr\u01b0\u1eddng h\u1ee3p b\u1ea1n l\u00e0m $6,666\/th\u00e1ng v\u00e0 tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c $700\/th\u00e1ng. B\u1ea1n n\u00ean tr\u1ea3 ti\u1ec1n nh\u00e0 kh\u00f4ng qu\u00e1 $1,522<br>Ti\u1ec1n nh\u00e0 = (1\/3)6,666 \u2013 700<br>V\u1edbi m\u1ee9c ti\u1ec1n l\u1eddi&nbsp; (interest) 4.5% th\u00ec cho $100,000 n\u1ee3 (mortgage) ch\u01b0\u01a1ng tr\u00ecnh 30 n\u0103m, b\u1ea1n ph\u1ea3i tr\u1ea3 kho\u1ea3ng $500\/th\u00e1ng. V\u00ec v\u1eady, n\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecbu \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n nh\u00e0 $1,522\/th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 mua m\u1ed9t c\u0103n nh\u00e0 tr\u00ean $300,000.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00f4i l\u00e0m \u0111\u01b0\u1ee3c $80,000\/n\u0103m. M\u1ed7i th\u00e1ng tr\u1ea3 n\u1ee3 xe, th\u1ebb t\u00edn d\u1ee5ng h\u1ebft $700. T\u00f4i c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 bao nhi\u00eau? Tr\u01b0\u1edbc khi ch\u1ea5p thu\u1eadn cho m\u01b0\u1ee3n ti\u1ec1n, nh\u00e0 b\u0103ng th\u00f4ng th\u01b0\u1eddng nh\u00ecn v\u00e0o t\u1ec9 s\u1ed1 n\u1ee3 tr\u00ean l\u1ee3i t\u1ee9c (debt to income ratio) h\u00e0ng th\u00e1ng. Nh\u00ecn v\u00e0o s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 \u0111o\u00e1n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-54","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/54","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/comments?post=54"}],"version-history":[{"count":1,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/54\/revisions"}],"predecessor-version":[{"id":55,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/posts\/54\/revisions\/55"}],"wp:attachment":[{"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/media?parent=54"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/categories?post=54"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henryhuyennguyen.com\/eng\/index.php\/wp-json\/wp\/v2\/tags?post=54"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}