{"id":2085,"date":"2020-07-22T16:35:42","date_gmt":"2020-07-22T16:35:42","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=2085"},"modified":"2021-06-10T20:36:23","modified_gmt":"2021-06-10T10:36:23","slug":"10-cach-rut-ngan-thoi-gian-tra-tien-vay-the-chap","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/10-cach-rut-ngan-thoi-gian-tra-tien-vay-the-chap\/","title":{"rendered":"10 c\u00e1ch r\u00fat ng\u1eafn th\u1eddi gian tr\u1ea3 ti\u1ec1n vay th\u1ebf ch\u1ea5p"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t

V\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111ang vay n\u1ee3 \u0111\u1ec3 mua nh\u00e0 th\u00ec kh\u00f4ng g\u00ec vui s\u01b0\u1edbng h\u01a1n vi\u1ec7c nh\u00ecn th\u1ea5y kho\u1ea3n vay c\u1ee7a m\u00ecnh gi\u1ea3m \u0111i m\u1ed7i ng\u00e0y, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong \u0111\u1ea1i d\u1ecbch Covid, khi m\u00e0 m\u1ecdi th\u1ee9 \u0111\u1ec1u c\u00f3 th\u1ec3 thay \u0111\u1ed5i ch\u00f3ng m\u1eb7t. Nh\u01b0ng b\u1ea1n c\u00f3 bi\u1ebft r\u1eb1ng, b\u1eb1ng c\u00e1ch thanh to\u00e1n kho\u1ea3n vay th\u1ebf ch\u1ea5p tr\u01b0\u1edbc th\u1eddi h\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m h\u00e0ng ngh\u00ecn \u0111\u00f4 la ti\u1ec1n l\u00e3i su\u1ea5t.<\/p>

\u00a0<\/p>

H\u00e3y xem 10 m\u1eb9o b\u00ean d\u01b0\u1edbi \u0111\u1ec3 nhanh ch\u00f3ng ho\u00e0n th\u00e0nh kho\u1ea3n vay c\u1ee7a m\u00ecnh v\u00e0 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t

1. Tr\u1ea3 ti\u1ec1n vay th\u1ebf ch\u1ea5p th\u01b0\u1eddng xuy\u00ean h\u01a1n<\/strong><\/h2>\n

Thay v\u00ec tr\u1ea3 n\u1ee3 \u0111\u1ecbnh k\u00ec m\u1ed7i th\u00e1ng m\u1ed9t l\u1ea7n, b\u1ea1n h\u00e3y th\u1eed thanh to\u00e1n m\u1ed9t n\u1eeda s\u1ed1 ti\u1ec1n m\u1ed7i hai tu\u1ea7n. <\/p>\n

M\u1ed9t n\u0103m c\u00f3 52 tu\u1ea7n, b\u1eb1ng vi\u1ec7c chia nh\u1ecf kho\u1ea3n ti\u1ec1n, b\u1ea1n s\u1ebd c\u00f3 26 l\u1ea7n thanh to\u00e1n n\u1ee3, x\u1ea5p x\u1ec9 13 th\u00e1ng tr\u00ean m\u1ed9t n\u0103m.<\/p>\n

V\u00ed d\u1ee5:<\/u><\/strong> Kho\u1ea3n ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0 2.000 \u0111\u00f4 la. Trong 12 th\u00e1ng, b\u1ea1n s\u1ebd tr\u1ea3 \u0111\u01b0\u1ee3c t\u1ed5ng c\u1ed9ng 24.000 \u0111\u00f4 la. <\/p>\n

Nh\u01b0ng n\u1ebfu b\u1ea1n chia nh\u1ecf l\u00e0m 1.000 \u0111\u00f4 la m\u1ed7i hai tu\u1ea7n, b\u1ea1n s\u1ebd ho\u00e0n tr\u1ea3 \u0111\u01b0\u1ee3c 26.000 \u0111\u00f4 la. <\/p>\n

V\u1eady b\u1ea1n \u0111\u00e3 tr\u1ea3 \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n 1 th\u00e1ng ti\u1ec1n n\u1ee3 so v\u1edbi b\u00ecnh th\u01b0\u1eddng m\u00e0 l\u1ea1i kh\u00f4ng c\u1ea3m th\u1ea5y g\u00f2 b\u00f3 trong chi ti\u00eau.<\/p>\n

2. \u1ede m\u1ed7i k\u00ec thanh to\u00e1n, h\u00e3y tr\u1ea3 nhi\u1ec1u h\u01a1n m\u1ed9t \u00edt <\/strong><\/h2>\n

\u00d4ng b\u00e0 ta c\u00f3 c\u00e2u \u201cT\u00edch ti\u1ec3u th\u00e0nh \u0111\u1ea1i\u201d, v\u00e0 th\u1ef1c t\u1ebf l\u00e0 ch\u1ec9 c\u1ea7n th\u00eam m\u1ed9t \u00edt ti\u1ec1n m\u1ed7i khi tr\u1ea3 kho\u1ea3n vay th\u1ebf ch\u1ea5p l\u00e0 b\u1ea1n \u0111\u00e3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n kha kh\u00e1 r\u1ed3i. <\/span><\/h2>\n

L\u00ed do l\u00e0 v\u00ec c\u00e1c kho\u1ea3n ti\u1ec1n nh\u1ecf n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0\u1ee3c tr\u1eeb th\u1eb3ng v\u00e0o s\u1ed1 n\u1ee3 c\u00f2n l\u1ea1i c\u1ee7a b\u1ea1n, gi\u00fap gi\u1ea3m s\u1ed1 ti\u1ec1n l\u00e3i thanh to\u00e1n v\u00e0o th\u00e1ng ti\u1ebfp theo v\u00e0 gi\u1ea3m t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 cho ng\u00e2n h\u00e0ng.<\/span><\/h2>\n

3. D\u00f9ng th\u00eam c\u00e1c kho\u1ea3n ti\u1ec1n kh\u00e1c \u0111\u1ec3 tr\u1ea3 n\u1ee3 <\/strong><\/h2>\n

<\/p>\n

Ch\u00fang ta ai c\u0169ng c\u00f3 l\u00fac nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n ti\u1ec1n l\u1edbn ngo\u00e0i k\u1ebf ho\u1ea1ch v\u00ed d\u1ee5 nh\u01b0 \u0111\u01b0\u1ee3c s\u1ebfp th\u01b0\u1edfng, l\u00e0m t\u0103ng ca, hay \u0111\u01b0\u1ee3c ho\u00e0n thu\u1ebf. <\/p>\n

B\u1ea1n n\u00ean d\u00f9ng t\u1ea5t c\u1ea3 nh\u1eefng kho\u1ea3n n\u00e0y \u0111\u1ec3 tr\u1ea3 n\u1ee3 mua nh\u00e0, v\u00e0 s\u1ebd b\u1ea5t ng\u1edd khi th\u1ea5y nh\u1eefng kho\u1ea3n ti\u1ec1n b\u1ea5t ch\u1ee3t th\u1ebf n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n r\u00fat ng\u1eafn kha kh\u00e1 th\u1eddi gian tr\u1ea3 n\u1ee3 \u0111\u1ea5y.<\/p>\n

4. \u0110\u1eebng qu\u00ean t\u00ednh n\u0103ng r\u00fat ti\u1ec1n <\/strong><\/h2>\n

T\u00ednh n\u0103ng r\u00fat ti\u1ec1n cho ph\u00e9p b\u1ea1n r\u00fat m\u1ed9t ph\u1ea7n ti\u1ec1n t\u1eeb kho\u1ea3n n\u1ee3 mua nh\u00e0 m\u00e0 b\u1ea1n \u0111\u00e3 tr\u1ea3 cho ng\u00e2n h\u00e0ng n\u1ebfu g\u1eb7p tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p. T\u00ednh n\u0103ng h\u1eefu \u00edch n\u00e0y s\u1ebd gi\u00fap b\u1ea1n linh ho\u1ea1t h\u01a1n trong vi\u1ec7c qu\u1ea3n l\u00ed kho\u1ea3n vay, cho ph\u00e9p b\u1ea1n tr\u1ea3 th\u00eam ti\u1ec1n so v\u1edbi k\u1ebf ho\u1ea1ch b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, v\u00e0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ec1n tr\u1ea3 th\u00eam \u0111\u00f3 khi c\u1ea7n thi\u1ebft.<\/p>\n

5. C\u00e2n nh\u1eafc s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp <\/strong><\/h2>\n

T\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp (offset account)<\/a> <\/i>\u0111\u01b0\u1ee3c li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kho\u1ea3n vay th\u1ebf ch\u1ea5p mua nh\u00e0 m\u00e0 b\u1ea1n s\u1edf h\u1eefu. <\/p>\n

S\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb tr\u1ef1c ti\u1ebfp v\u00e0o kho\u1ea3n vay th\u1ebf ch\u1ea5p mua nh\u00e0 c\u1ee7a b\u1ea1n khi t\u00ednh l\u00e3i su\u1ea5t vay v\u00e0 \u0111\u00e2y l\u00e0 c\u00e1ch th\u00f4ng minh \u0111\u1ec3 t\u1eadn d\u1ee5ng h\u1ebft s\u1ed1 ti\u1ec1n ch\u01b0a d\u00f9ng \u0111\u1ebfn c\u1ee7a m\u00ecnh. <\/p>\n

\u0110\u1ec3 thu\u1eadn ti\u1ec7n h\u01a1n khi s\u1eed d\u1ee5ng, b\u1ea1n c\u00f3 th\u1ec3 r\u00fat s\u1ed1 ti\u1ec1n trong t\u00e0i kho\u1ea3n li\u00ean k\u1ebft ngay sau khi b\u1ecf th\u00eam ti\u1ec1n v\u00e0o \u0111\u00f3 m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1edd \u0111\u1ee3i.<\/p>\n

6. T\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf t\u1eeb kho\u1ea3n vay chia nh\u1ecf <\/strong><\/h2>\n

N\u1ebfu mu\u1ed1n \u0111\u01b0\u1ee3c vay v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p nh\u01b0ng l\u1ea1i ng\u1ea1i c\u1ed1 \u0111\u1ecbnh l\u00e3i su\u1ea5t cho to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 c\u1ee7a m\u00ecnh th\u00ec kho\u1ea3n vay th\u1ebf ch\u1ea5p chia nh\u1ecf (split loan)<\/i> ch\u00ednh l\u00e0 c\u1ee9u c\u00e1nh cho b\u1ea1n.<\/p>\n

H\u00ecnh th\u1ee9c n\u00e0y cho ph\u00e9p b\u1ea1n vay m\u1ed9t ph\u1ea7n ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p, trong khi ph\u1ea7n c\u00f2n l\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c vay th\u1ebf ch\u1ea5p v\u1edbi l\u00e3i su\u1ea5t th\u1ea3 n\u1ed5i, cho ph\u00e9p b\u1ea1n qu\u1ea3n l\u00ed kho\u1ea3n vay m\u1ed9t c\u00e1ch linh \u0111\u1ed9ng h\u01a1n.<\/p>\n

7. S\u1eed d\u1ee5ng g\u00f3i t\u00e0i ch\u00ednh <\/strong><\/h2>\n

Ch\u00fang ta th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00f9ng l\u00fac r\u1ea5t nhi\u1ec1u d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nhau, v\u00e0 \u0111\u00f4i khi l\u00e0 t\u1eeb nhi\u1ec1u nh\u00e0 cung c\u1ea5p kh\u00e1c nhau. <\/p>\n

Nh\u01b0ng b\u1ea1n n\u00ean bi\u1ebft r\u1eb1ng khi s\u1eed d\u1ee5ng nhi\u1ec1u d\u1ecbch v\u1ee5 \u1edf m\u1ed9t ng\u00e2n h\u00e0ng duy nh\u1ea5t, v\u00ed d\u1ee5 vay m\u01b0\u1ee3n mua nh\u00e0, m\u1edf th\u1ebb t\u00edn d\u1ee5ng (credit card)<\/i> hay m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n thanh to\u00e1n (transaction account)<\/i>,… b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i t\u1eeb ng\u00e2n h\u00e0ng. <\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t l\u1ee3i th\u1ebf l\u1edbn khi \u0111i vay n\u00ean \u0111\u1eebng b\u1ecf qua nh\u00e9.<\/p>\n

8. Ki\u1ec3m so\u00e1t t\u1ed1t t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh <\/strong><\/h2>\n

Khi \u0111\u00e3 vay th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng, ch\u1eafc h\u1eb3n b\u1ea1n \u00fd th\u1ee9c \u0111\u01b0\u1ee3c \u0111i\u1ec3m t\u00edn d\u1ee5ng (credit score)<\/i> quan tr\u1ecdng th\u1ebf n\u00e0o. <\/p>\n

Nh\u01b0ng tin x\u1ea5u l\u00e0 ch\u1ec9 s\u1ed1 n\u00e0y l\u1ea1i r\u1ea5t d\u1ec5 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi nh\u1eefng \u0111i\u1ec1u t\u01b0\u1edfng ch\u1eebng nh\u1ecf nh\u1eb7t. <\/p>\n

M\u1ed9t h\u00f3a \u0111\u01a1n qu\u00ean thanh to\u00e1n, m\u1ed9t t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng b\u1ecb r\u00fat qu\u00e1 \u0111\u1ecbnh m\u1ee9c hay ch\u1ec9 c\u1ea7n ch\u1eadm tr\u1ea3 ti\u1ec1n nh\u00e0 l\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n \u0111\u00e3 c\u00f3 th\u1ec3 b\u1ecb tr\u1eeb th\u1eb3ng tay r\u1ed3i.<\/p>\n

V\u1eady n\u00ean, h\u00e3y ch\u00fa \u00fd \u0111\u1ebfn t\u1ea5t c\u1ea3 m\u1ecdi th\u1ee9 li\u00ean quan \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n, d\u00f9 l\u00e0 nh\u1ecf nh\u1ea5t, \u0111\u1ec3 tr\u00e1nh nh\u1eefng kho\u1ea3n ph\u00ed v\u00e0 ph\u1ea1t kh\u00f4ng c\u1ea7n thi\u1ebft nh\u00e9.<\/p>\n

9. H\u00e3y c\u00e2n nh\u1eafc khi m\u1edf h\u1ea7u bao <\/strong><\/h2>\n

B\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n kha kh\u00e1 n\u1ebfu ng\u1eebng mua nh\u1eefng th\u1ee9 kh\u00f4ng th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft; v\u00e0 d\u00f9ng n\u00f3 gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng tr\u1ea3 l\u00e3i vay h\u00e0ng th\u00e1ng. <\/p>\n

N\u00f3i nh\u01b0 v\u1eady kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c \u0103n b\u00e1nh m\u00ec m\u00e0 u\u1ed1ng n\u01b0\u1edbc s\u1ed1ng qua ng\u00e0y, nh\u01b0ng tr\u01b0\u1edbc khi mua m\u1ed9t chi\u1ebfc TV hay chi\u1ebfc xe m\u1edbi, h\u00e3y lu\u00f4n t\u1ef1 h\u1ecfi li\u1ec7u b\u1ea1n c\u00f3 th\u1ef1c s\u1ef1 c\u1ea7n nh\u1eefng ti\u1ec7n nghi n\u00e0y \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i?<\/p>\n

10. Trao \u0111\u1ed5i v\u1edbi Flexi Mortgage v\u1ec1 kho\u1ea3n vay c\u1ee7a b\u1ea1n <\/strong><\/h2>\n

Cu\u1ed1i c\u00f9ng, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t ch\u00ednh l\u00e0 c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n vay ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng c\u1ee7a b\u1ea1n v\u00ec b\u1ea1n s\u1ebd ch\u1ecbu r\u1ea5t nhi\u1ec1u \u00e1p l\u1ef1c n\u1ebfu ph\u1ea3i tr\u1ea3 cho nh\u1eefng kho\u1ea3n vay kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n

L\u00e3i su\u1ea5t \u0111ang \u1edf m\u1ee9c th\u1ea5p k\u1ec9 l\u1ee5c v\u00e0 trong m\u1ed9t th\u1ebf gi\u1edbi t\u00e0i ch\u00ednh thay \u0111\u1ed5i ch\u00f3ng m\u1eb7t nh\u01b0 hi\u1ec7n nay, ngo\u00e0i kia c\u00f3 r\u1ea5t nhi\u1ec1u kho\u1ea3n vay t\u1ed1t h\u01a1n \u0111ang ch\u1edd \u0111\u1ee3i b\u1ea1n. <\/p>\n

\u0110\u1ec3 ch\u1eafc ch\u1eafn r\u1eb1ng kho\u1ea3n vay hi\u1ec7n t\u1ea1i ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n, h\u00e3y li\u00ean h\u1ec7 ngay v\u1edbi ch\u00fang t\u00f4i theo s\u1ed1 02 8773 1451<\/b><\/a> \u0110\u1ec3 hi\u1ec3u r\u00f5 kh\u1ea3 n\u0103ng vay m\u01b0\u1ee3n c\u1ee7a b\u1ea1n cho c\u0103n nh\u00e0 m\u01a1 \u01b0\u1edbc<\/p>\n

M\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi kho\u1ea3n vay chuy\u00ean nghi\u1ec7p lu\u00f4n hi\u1ec3u r\u00f5 th\u1ecb tr\u01b0\u1eddng, bi\u1ebft \u0111\u00e2u l\u00e0 ng\u00e2n h\u00e0ng v\u00e0 kho\u1ea3n vay ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p>\n

\n
Xem m\u1ed9t s\u1ed1 case approval link<\/a>.<\/div>\n
 <\/div>\n
Li\u00ean h\u1ec7 Flexi Mortgage \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed:<\/div>\n<\/div>\n
\n
\n