{"id":2077,"date":"2020-07-22T16:28:06","date_gmt":"2020-07-22T16:28:06","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=2077"},"modified":"2021-06-10T20:46:28","modified_gmt":"2021-06-10T10:46:28","slug":"lvr-la-gi-va-chi-so-nay-anh-huong-kha-nang-vay-no-cua-ban-ra-sao","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/lvr-la-gi-va-chi-so-nay-anh-huong-kha-nang-vay-no-cua-ban-ra-sao\/","title":{"rendered":"LVR l\u00e0 g\u00ec, v\u00e0 ch\u1ec9 s\u1ed1 n\u00e0y \u1ea3nh h\u01b0\u1edfng kh\u1ea3 n\u0103ng vay n\u1ee3 c\u1ee7a b\u1ea1n ra sao?"},"content":{"rendered":"
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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T\u1ef7 l\u1ec7 vay tr\u00ean gi\u00e1 tr\u1ecb\u00a0(Loan to Value Ratio)<\/i>\u00a0l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef quan tr\u1ecdng khi \u0111i vay v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c vi\u1ebft t\u1eaft l\u00e0 LVR hay LTV. Ch\u1ec9 s\u1ed1 n\u00e0y th\u1ec3 hi\u1ec7n t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m s\u1ed1 ti\u1ec1n b\u1ea1n mu\u1ed1n vay tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea1n th\u1ebf ch\u1ea5p cho ng\u00e2n h\u00e0ng. Khi vay mua nh\u00e0, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 ch\u1ec9 s\u1ed1 n\u00e0y b\u1edfi khi LVR c\u00e0ng th\u1ea5p, r\u1ee7i ro c\u1ee7a kho\u1ea3n vay c\u00e0ng nh\u1ecf, v\u00e0 d\u1ec5 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ch\u1ea5p thu\u1eadn h\u01a1n.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1.\u00a0 <\/strong>LVR \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?<\/strong><\/p>

T\u1ef7 l\u1ec7 kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb (Loan to Value Ratio = LVR)<\/i> \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng c\u00e1ch chia kho\u1ea3n ti\u1ec1n c\u1ea7n vay cho gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n, ho\u1eb7c kho\u1ea3n ti\u1ec1n b\u1ea1n c\u1ea7n b\u1ecf ra \u0111\u1ec3 mua t\u00e0i s\u1ea3n \u1ea5y, sau \u0111\u00f3 nh\u00e2n v\u1edbi 100.<\/p>

Gi\u1ea3 d\u1ee5 b\u1ea1n c\u1ea7n vay $240,000 v\u00e0 t\u00e0i s\u1ea3n m\u00e0 b\u1ea1n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb $300,000 th\u00ec LVR s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:<\/i><\/p>

($240,000 \u00f7 $300,000) x 100 = 80% LVR<\/i><\/p>

B\u1ea1n \u0111\u00e3 th\u1eed d\u00f9ng b\u1ea5t k\u1ef3 c\u00e1ch t\u00ednh kho\u1ea3n vay n\u00e0o kh\u00e1c ch\u01b0a? C\u00f3 l\u1ebd v\u00e0i c\u00e1ch t\u00ednh s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n \u0111\u1ea5y.<\/p>

Ho\u1eb7c b\u1ea1n c\u00f3 th\u1ec3 g\u1ecdi\u00a002 8773 1451<\/a>\u00a0<\/strong>ho\u1eb7c ho\u00e0n th\u00e0nh b\u1ea3n \u0111\u00e1nh gi\u00e1 mi\u1ec5n ph\u00ed sau \u0111\u1ec3 bi\u1ebft ch\u1ec9 s\u1ed1 LVR c\u1ee7a b\u1ea1n l\u00e0 bao nhi\u00eau, v\u00e0 n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng vay n\u01a1 c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o nh\u00e9.<\/p>

2.\u00a0T\u00f4i n\u00ean d\u00f9ng m\u1ee9c \u0111\u1ecbnh gi\u00e1 hay gi\u00e1 mua b\u00e1n? <\/strong><\/h2>

B\u1ea1n c\u1ea7n bi\u1ebft r\u1eb1ng n\u1ebfu gi\u00e1 tr\u1ecb mua b\u00e1n c\u1ee7a t\u00e0i s\u1ea3n kh\u00e1c v\u1edbi m\u1ee9c \u0111\u1ecbnh gi\u00e1 th\u00ec ng\u00e2n h\u00e0ng v\u00e0 b\u00ean b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd s\u1ebd d\u00f9ng con s\u1ed1 th\u1ea5p h\u01a1n \u0111\u1ec3 t\u00ednh LVR.\u00a0<\/p>

\u0110\u1ed1i v\u1edbi c\u00e1c th\u01b0\u01a1ng v\u1ee5 mua b\u00e1n theo d\u1ef1 \u00e1n, \u0111i\u1ec1u n\u00e0y r\u1ea5t th\u01b0\u1eddng x\u1ea3y ra b\u1edfi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 thay \u0111\u1ed5i so v\u1edbi th\u1eddi \u0111i\u1ec3m h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd.<\/p>

M\u1ed9t tr\u01b0\u1eddng h\u1ee3p kh\u1ea3 d\u0129 kh\u00e1c l\u00e0 khi m\u1ed9t ng\u01b0\u1eddi mua l\u1ea1i nh\u00e0 t\u1eeb ng\u01b0\u1eddi th\u00e2n v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ee9c gi\u00e1 \u01b0u \u0111\u00e3i, d\u1eabn \u0111\u1ebfn s\u1ef1 ch\u00eanh l\u1ec7ch trong m\u1ee9c \u0111\u1ecbnh gi\u00e1 v\u00e0 m\u1ee9c gi\u00e1 mua b\u00e1n th\u1ef1c s\u1ef1.\u00a0<\/p>

Tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 mua b\u00e1n thu\u1eadn l\u1ee3i (favourable purchase)<\/i>.<\/p>

M\u1ed9t v\u00e0i b\u00ean cho vay d\u00f9ng m\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ec3 t\u00ednh LVR thay v\u00ec m\u1ee9c gi\u00e1 mua b\u00e1n, tuy nhi\u00ean \u0111i\u1ec1u n\u00e0y ch\u1ec9 x\u1ea3y ra khi h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111\u01b0\u1ee3c k\u00ed 3 th\u00e1ng tr\u01b0\u1edbc khi b\u1ea1n \u0111\u0103ng k\u00ed vay.\u00a0<\/p>

Ngo\u00e0i ra, nhi\u1ec1u ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u h\u1ee3p \u0111\u1ed3ng ph\u1ea3i \u0111\u01b0\u1ee3c k\u00ed k\u1ebft tr\u00ean 12 th\u00e1ng.<\/p>

V\u00ed d\u1ee5<\/u><\/b>: b\u1ea1n mua m\u1ed9t c\u0103n h\u1ed9 tr\u00ean gi\u1ea5y t\u1edd v\u1edbi gi\u00e1 $300,000; sau 12 th\u00e1ng, b\u1ea1n c\u1ea7n tr\u1ea3 n\u1ee3 v\u00e0 c\u0103n h\u1ed9 \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 $360,000.\u00a0<\/p>

L\u00fac n\u00e0y, h\u1ea7u h\u1ebft ch\u1ee7 n\u1ee3 s\u1ebd t\u00ednh LVR d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ecbnh gi\u00e1 c\u1ee7a c\u0103n h\u1ed9 \u1ea5y v\u00e0 c\u00f3 th\u1ec3 khi\u1ebfn m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng LMI (Lender Mortgage Insurance)<\/i> b\u1ea1n ph\u1ea3i tr\u1ea3 tr\u1edf n\u00ean th\u1ea5p h\u01a1n, ho\u1eb7c gi\u1ea3m h\u1eb3n v\u1ec1 0.<\/p>

L\u01b0u \u00fd l\u00e0 c\u00e1c nh\u00e2n vi\u00ean \u0111\u1ecbnh gi\u00e1 kh\u00e1c nhau c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e1c m\u1ee9c \u0111\u1ecbnh gi\u00e1 kh\u00e1c nhau cho c\u00f9ng m\u1ed9t t\u00e0i s\u1ea3n v\u00e0 trong h\u1ea7u h\u1ebft tr\u01b0\u1eddng h\u1ee3p, m\u1ee9c \u0111\u1ecbnh gi\u00e1 th\u1ef1c t\u1ebf s\u1ebd n\u1eb1m gi\u1eefa m\u1ee9c gi\u00e1 m\u00e0 b\u1ea1n v\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0a ra.\u00a0<\/p>

V\u00ec v\u1eady, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 y\u00eau c\u1ea7u nhi\u1ec1u b\u00ean cho vay \u0111\u01b0a ra m\u1ee9c \u0111\u1ecbnh gi\u00e1 \u0111\u1ec3 gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a l\u1ee3i th\u1ebf \u0111\u00e0m ph\u00e1n c\u1ee7a m\u00ecnh.<\/p>

3.\u00a0 <\/strong>Ng\u00e2n h\u00e0ng s\u1ebd t\u00ednh LTV cho kho\u1ea3n t\u00e1i c\u1ea5p v\u1ed1n nh\u01b0 th\u1ebf n\u00e0o? <\/strong><\/h2>

N\u1ebfu b\u1ea1n \u0111ang t\u00e1i c\u1ea5p v\u1ed1n (refinance)<\/i> cho m\u1ed9t b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u00e0 b\u1ea1n \u0111\u00e3 s\u1edf h\u1eefu th\u00ec b\u00ean cho vay s\u1ebd d\u00f9ng m\u1ee9c \u0111\u1ecbnh gi\u00e1 c\u1ee7a h\u1ecd \u0111\u1ec3 t\u00ednh LVR.\u00a0<\/p>

L\u00ed do l\u00e0 b\u1edfi c\u00f3 th\u1ec3 b\u1ea1n \u0111\u00e3 mua t\u00e0i s\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n th\u1eddi gian v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n b\u1ecf ra \u0111\u1ec3 mua kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p cho vi\u1ec7c t\u00ednh to\u00e1n \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i.\u00a0<\/p>

Th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 c\u00f3 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng ho\u1eb7c m\u1ee9c gi\u00e1 th\u1ef1c t\u1ebf c\u1ee7a c\u0103n nh\u00e0 \u0111\u00e3 thay \u0111\u1ed5i sau khi \u0111\u01b0\u1ee3c b\u1ea1n t\u00e2n trang, v\u1eady n\u00ean vi\u1ec7c \u0111\u1ecbnh gi\u00e1 \u0111\u1ed9c l\u1eadp t\u1eeb ng\u00e2n h\u00e0ng s\u1ebd ph\u00f9 h\u1ee3p h\u01a1n cho tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/p>

4.\u00a0 <\/strong>C\u00f3 ph\u1ea3i b\u00ean cho vay s\u1ebd lu\u00f4n \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n? <\/strong><\/h2>

C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 KH\u00d4NG. M\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng kh\u00f4ng y\u00eau c\u1ea7u \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n n\u1ebfu n\u00f3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c ti\u00eau chu\u1ea9n c\u1ee7a h\u1ecd.\u00a0<\/p>

M\u1ed9t s\u1ed1 kh\u00e1c s\u1ebd d\u00f9ng m\u1ee9c \u0111\u1ecbnh gi\u00e1 cung c\u1ea5p b\u1edfi m\u00e1y t\u00ednh (desktop valuation)<\/i> ho\u1eb7c \u0111\u00e1nh gi\u00e1 gi\u1edbi h\u1ea1n (restricted assessment)<\/i> thay v\u00ec m\u1ea5t ti\u1ec1n v\u00e0 th\u1eddi gian \u0111\u1ec3 tr\u1ef1c ti\u1ebfp \u0111i \u0111\u1ecbnh gi\u00e1 c\u0103n nh\u00e0.\u00a0<\/p>

C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd d\u00f9ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p kh\u00e1c nhau \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n, t\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c LVR c\u1ee7a b\u1ea1n l\u1edbn th\u1ebf n\u00e0o v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a t\u00e0i s\u1ea3n ra sao.<\/p>

5.\u00a0 <\/strong>T\u00e0i s\u1ea3n c\u1ee7a t\u00f4i c\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 kh\u00f4ng? <\/strong><\/h2>

Th\u01b0\u1eddng th\u00ec ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n m\u00e0 s\u1ebd d\u00f9ng m\u1ee9c gi\u00e1 tr\u00ean h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111\u1ec3 t\u00ednh to\u00e1n LVR, v\u1edbi nh\u1eefng \u0111i\u1ec1u ki\u1ec7n sau:<\/p>

  • Kho\u1ea3n vay c\u1ee7a b\u1ea1n th\u1ea5p h\u01a1n ho\u1eb7c b\u1eb1ng 80% LVR.<\/i><\/li>
  • B\u1ea1n \u0111ang mua m\u1ed9t c\u0103n nh\u00e0.<\/i><\/li>
  • Kho\u1ea3n vay c\u1ee7a b\u1ea1n nh\u1ecf h\u01a1n $800,000.<\/i><\/li>
  • B\u1ea1n \u0111\u00e3 cung c\u1ea5p gi\u1ea5y t\u1edd ch\u1ee9ng minh thu nh\u1eadp.<\/i><\/li>
  • T\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n n\u1eb1m \u1edf th\u1ee7 \u0111\u00f4, ho\u1eb7c c\u00e1c v\u00f9ng trung t\u00e2m.<\/i><\/li>
  • Vi\u1ec7c mua b\u00e1n \u0111\u01b0\u1ee3c th\u00f4ng qua b\u1edfi m\u1ed9t m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea5p ch\u1ee9ng ch\u1ec9.<\/i><\/li>
  • \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n m\u1edbi (mua b\u00e1n tr\u00ean b\u1ea3n v\u1ebd ho\u1eb7c mua m\u1ed9t t\u00f2a nh\u00e0 ho\u00e0n to\u00e0n m\u1edbi).<\/i><\/li>
  • B\u1ea1n kh\u00f4ng c\u00f3 m\u1ed1i quan h\u1ec7 n\u00e0o v\u1edbi ng\u01b0\u1eddi b\u00e1n.<\/i><\/li><\/ul>

    6.\u00a0 <\/strong>M\u1ee9c LVR \u0111\u1ed1i \u0111a t\u00f4i c\u00f3 th\u1ec3 vay l\u00e0 bao nhi\u00eau? <\/strong><\/h2>

    Vi\u1ec7c ng\u00e2n h\u00e0ng cho ph\u00e9p b\u1ea1n vay \u1edf m\u1ee9c LVR n\u00e0o s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0: s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u1ecbnh vay, v\u1ecb tr\u00ed c\u1ee7a c\u0103n nh\u00e0, l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 lo\u1ea1i kho\u1ea3n vay m\u00e0 b\u1ea1n \u0111ang \u0111\u0103ng k\u00ed.\u00a0<\/p>

    Nh\u00ecn chung, n\u1ebfu b\u1ea1n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 ch\u1ee9ng minh thu nh\u1eadp th\u00ec b\u1ea1n c\u00f3 th\u1ec3 vay t\u1edbi 80% LVR.\u00a0<\/p>

    Tuy nhi\u00ean, n\u1ebfu h\u1ed3 s\u01a1 c\u1ee7a b\u1ea1n th\u1ef1c s\u1ef1 n\u1ed5i b\u1eadt, b\u1ea1n c\u00f3 th\u1ec3 th\u1eadm ch\u00ed m\u01b0\u1ee3n \u0111\u1ebfn 90% ho\u1eb7c 95% LVR.<\/p>

    M\u1eb7t kh\u00e1c, n\u1ebfu b\u1ea1n t\u1ef1 kinh doanh v\u00e0 kh\u00f4ng c\u00f3 ch\u1ee9ng minh thu nh\u1eadp th\u00ec ch\u1ec9 c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c 60%, v\u00e0 t\u1ed1i \u0111a l\u00e0 80% LVR n\u1ebfu c\u00f3 t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh t\u1ed1t.<\/p>

    7.\u00a0 <\/strong>Vay 100% LVR c\u00f3 kh\u1ea3 thi kh\u00f4ng? <\/strong><\/h2>

    Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1ch \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 vay m\u01b0\u1ee3n v\u1edbi m\u1ee9c LVR cao l\u00e0 c\u00f3 m\u1ed9t ng\u01b0\u1eddi b\u1ea3o l\u00e3nh.\u00a0<\/p>

    Ng\u01b0\u1eddi n\u00e0y c\u00f3 th\u1ec3 l\u00e0 th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh ho\u1eb7c m\u1ed9t ng\u01b0\u1eddi b\u1ea1n \u0111\u00e3 c\u00f3 quy\u1ec1n s\u1edf h\u1eefu m\u1ed9t t\u00e0i s\u1ea3n kh\u00e1c.\u00a0<\/p>

    \u0110\u1ec3 b\u1ea3o l\u00e3nh kho\u1ea3n vay, h\u1ecd s\u1ebd l\u1ea5y m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho kho\u1ea3n vay m\u00e0 b\u1ea1n \u0111ang \u0111\u0103ng k\u00ed v\u00e0 gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c vay v\u1edbi m\u1ee9c 100% LVR.<\/p>

    N\u1ebfu gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n t\u0103ng ho\u1eb7c b\u1ea1n tr\u1ea3 b\u1edbt ph\u1ea7n ti\u1ec1n \u0111\u00e3 vay (repayments)<\/i>, l\u00fac n\u00e0y b\u1ea1n s\u1ebd kh\u00f4ng c\u1ea7n ng\u01b0\u1eddi b\u1ea3o l\u00e3nh n\u1eefa.\u00a0<\/p>

    L\u00fd do \u0111\u01a1n gi\u1ea3n l\u00e0 b\u1edfi l\u00fac n\u00e0y m\u1ee9c LVR \u0111\u00e3 \u0111\u1ee7 th\u1ea5p \u0111\u1ec3 ng\u00e2n h\u00e0ng th\u00f4ng qua m\u00e0 kh\u00f4ng c\u1ea7n b\u1ea5t k\u1ef3 kho\u1ea3n b\u1ea3o \u0111\u1ea3m n\u00e0o.\u00a0<\/p>

    V\u1eady n\u00ean d\u00f9 cho kh\u00f4ng c\u00f3 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 vay \u1edf m\u1ee9c 100% LVR.\u00a0<\/p>

    Tuy nhi\u00ean, c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c vay mua nh\u00e0 kh\u00e1c kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i \u0111\u1eb7t ti\u1ec1n c\u1ecdc.<\/p>

    8.\u00a0Khi n\u00e0o th\u00ec t\u00f4i s\u1ebd b\u1ecb t\u00ednh ph\u00ed LMI? <\/strong><\/h2>

    B\u1ea3o hi\u1ec3m LMI th\u01b0\u1eddng \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay mua nh\u00e0 v\u1edbi m\u1ee9c LVR t\u1eeb 80% tr\u1edf l\u00ean v\u00ec ch\u00fang th\u01b0\u1eddng \u0111\u01b0\u1ee3c coi l\u00e0 c\u00f3 r\u1ee7i ro cao.<\/p>

    L\u00fd do l\u00e0 n\u1ebfu b\u1ea1n kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 cho kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a m\u00ecnh, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u00ednh ph\u00ed r\u1ee7i ro cho ng\u01b0\u1eddi cho vay, v\u00e0 b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 kho\u1ea3n ph\u00ed n\u00e0y d\u01b0\u1edbi d\u1ea1ng ph\u00ed b\u1ea3o hi\u1ec3m LMI.<\/p>

    \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi vay thi\u1ebfu c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp, LMI c\u1ea7n ph\u1ea3i \u1edf m\u1ee9c 60% gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n tr\u1edf l\u00ean.<\/p>

    9.\u00a0 <\/strong>LVR bao nhi\u00eau th\u00ec \u0111\u01b0\u1ee3c coi l\u00e0 r\u1ee7i ro cao? <\/strong><\/h2>

    N\u00f3i chung, ng\u01b0\u1eddi cho vay coi c\u00e1c kho\u1ea3n cho vay c\u00f3 m\u1ee9c LVR tr\u00ean 80% l\u00e0 r\u1ee7i ro cao v\u00e0 \u0111\u00e2y l\u00fd do t\u1ea1i h\u1ecd l\u1ea1i c\u1ea7n b\u1ea3o hi\u1ec3m LMI.\u00a0<\/p>

    LMI s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay nh\u1edd \u0111\u00f3 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ea5p thu\u1eadn kho\u1ea3n vay c\u1ee7a b\u1ea1n d\u1ec5 d\u00e0ng h\u01a1n m\u00e0 kh\u00f4ng c\u1ea7n lo l\u1eafng \u0111\u1ebfn vi\u1ec7c b\u1ea1n m\u1ea5t kh\u1ea3 n\u0103ng chi tr\u1ea3.<\/p>

    10.\u00a0<\/strong>T\u1ea1i sao ng\u00e2n h\u00e0ng l\u1ea1i gi\u1edbi h\u1ea1n m\u1ee9c LVR c\u1ee7a t\u00f4i? <\/strong><\/h2>

    Th\u01b0\u1eddng th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng LVR \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a c\u00e1c \u0111\u01a1n xin vay m\u00e0 h\u1ecd nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>

    N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi \u0111i vay c\u00f3 r\u1ee7i ro cao, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1edbi h\u1ea1n m\u1ee9c LVR t\u1ed1i \u0111a c\u1ee7a b\u1ea1n \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro.<\/p>

    V\u00ed d\u1ee5, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n xin ph\u00ea duy\u1ec7t tr\u01b0\u1edbc (pre-approval) \u0111\u1ec3 mua m\u1ed9t c\u0103n nh\u00e0 v\u1edbi gi\u00e1 500.000 \u0111\u00f4 la, v\u1edbi kho\u1ea3n vay 475.000 \u0111\u00f4 la (95% LVR).<\/p>

    Tuy nhi\u00ean, n\u1ebfu h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng ghi nh\u1eadn b\u1ea1n \u0111\u00e3 t\u1eebng v\u1ee1 n\u1ee3, b\u1ea1n ch\u1ec9 c\u00f3 th\u1ec3 vay LVR t\u1ed1i thi\u1ec3u l\u00e0 90% ho\u1eb7c 80%.<\/p>

    Ng\u01b0\u1eddi cho vay c\u0169ng c\u00f3 th\u1ec3 gi\u1ea3m LVR c\u1ee7a b\u1ea1n v\u00ec t\u00e0i s\u1ea3n b\u1ea1n \u0111ang mua c\u00f3 th\u1ec3 kh\u00f3 b\u00e1n.<\/p>

    Ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3m m\u1ee9c LVR n\u1ebfu b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a b\u1ea1n:<\/p>

    • Kh\u00e1c l\u1ea1<\/i><\/li>
    • N\u1eb1m \u1edf v\u00f9ng h\u1ebbo l\u00e1nh<\/i><\/li>
    • C\u00f3 nhi\u1ec1u lu\u1eadt l\u1ec7 v\u00ed d\u1ee5<\/i><\/li>
    • C\u00f3 nhi\u1ec1u quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c coi l\u00e0 di s\u1ea3n (heritage-listed properties), c\u0103n h\u1ed9 d\u1ecbch v\u1ee5 (serviced apartments) v\u00e0 nh\u00e0 tr\u01b0ng b\u00e0y (display homes)<\/i><\/li>
    • H\u1ed9i t\u1ee5 t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u \u1edf tr\u00ean v\u00e0 s\u1ebd m\u1ea5t h\u01a1n 6 th\u00e1ng \u0111\u1ec3 b\u00e1n.<\/i><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      T\u1ef7 l\u1ec7 vay tr\u00ean gi\u00e1 tr\u1ecb\u00a0(Loan to Value Ratio)\u00a0l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef quan tr\u1ecdng khi \u0111i vay v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c vi\u1ebft t\u1eaft l\u00e0 LVR hay LTV. Ch\u1ec9 s\u1ed1 n\u00e0y th\u1ec3 …<\/p>","protected":false},"author":1,"featured_media":3294,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,31],"tags":[],"class_list":["post-2077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-tai-chinh","category-tin-tuc"],"yoast_head":"\nLVR l\u00e0 g\u00ec, v\u00e0 ch\u1ec9 s\u1ed1 n\u00e0y \u1ea3nh h\u01b0\u1edfng kh\u1ea3 n\u0103ng vay n\u1ee3 c\u1ee7a b\u1ea1n ra sao? - Flexi Mortgage<\/title>\n<meta name=\"description\" content=\"T\u1ef7 l\u1ec7 vay tr\u00ean gi\u00e1 tr\u1ecb (Loan to Value Ratio) l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef quan tr\u1ecdng khi \u0111i vay v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c vi\u1ebft t\u1eaft l\u00e0 LVR hay LTV...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fleximortgage.com.au\/en\/lvr-la-gi-va-chi-so-nay-anh-huong-kha-nang-vay-no-cua-ban-ra-sao\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LVR l\u00e0 g\u00ec, v\u00e0 ch\u1ec9 s\u1ed1 n\u00e0y \u1ea3nh h\u01b0\u1edfng kh\u1ea3 n\u0103ng vay n\u1ee3 c\u1ee7a b\u1ea1n ra sao? - 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