{"id":4668,"date":"2021-04-15T04:53:31","date_gmt":"2021-04-15T04:53:31","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=4668"},"modified":"2021-07-08T23:24:52","modified_gmt":"2021-07-08T13:24:52","slug":"thu-nhap-tot-nhung-van-gap-nhieu-kho-khan-trong-viec-refinance","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/thu-nhap-tot-nhung-van-gap-nhieu-kho-khan-trong-viec-refinance\/","title":{"rendered":"CASE STUDY: Thu nh\u1eadp t\u1ed1t nh\u01b0ng v\u1eabn g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n trong vi\u1ec7c refinance"},"content":{"rendered":"
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\u0110\u00e2y l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 c\u00f4ng ty ri\u00eang, c\u00f3 thu nh\u1eadp r\u1ea5t t\u1ed1t, nh\u01b0ng l\u1ea1i g\u1eb7p kh\u00f3 kh\u0103n trong v\u1ea5n \u0111\u1ec1 refinance c\u0103n nh\u00e0 hi\u1ec7n t\u1ea1i.<\/b><\/p>\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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H\u00f4m nay Flexi xin chia s\u1ebb v\u1ec1 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng refinance m\u00e0 Flexi \u0111ang h\u1ed7 tr\u1ee3 m\u1ea5y h\u00f4m nay.<\/div>
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\u0110\u00e2y l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 c\u00f4ng ty ri\u00eang, c\u00f3 thu nh\u1eadp r\u1ea5t t\u1ed1t, nh\u01b0ng l\u1ea1i g\u1eb7p kh\u00f3 kh\u0103n trong v\u1ea5n \u0111\u1ec1 refinance c\u0103n nh\u00e0 hi\u1ec7n t\u1ea1i.<\/div>
\u00a0<\/div><\/div>

Nhu c\u1ea7u kh\u00e1ch h\u00e0ng<\/h2>
Anh Th\u00e1i (t\u00ean nh\u00e2n v\u1eadt \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i<\/span>) c\u00f3 m\u1ed9t c\u00f4ng ty do m\u00ecnh l\u00e0m gi\u00e1m \u0111\u1ed1c.<\/span><\/div><\/div>
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M\u1eb7t h\u00e0ng c\u1ee7a anh n\u0103m v\u1eeba r\u1ed3i l\u1ea1i b\u00e1n \u0111\u01b0\u1ee3c do thu\u1ed9c nh\u00f3m h\u00e0ng thi\u1ebft y\u1ebfu.<\/div><\/div>
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Hai n\u0103m g\u1ea7n \u0111\u00e2y anh \u0111\u1ec1u c\u00f3 doanh s\u1ed1 t\u1ed1t, c\u00f3 l\u00e3i.\u00a0<\/div>
V\u00ec v\u1eady, anh quy\u1ebft \u0111\u1ecbnh refinance c\u0103n nh\u00e0 mua c\u00e1ch \u0111\u00e2y 8 n\u0103m,\u00a0<\/div>
\u0111\u1ec3 d\u00f9ng cho nhi\u1ec1u m\u1ee5c \u0111\u00edch kh\u00e1c nhau, trong \u0111\u00f3 c\u00f3 k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 th\u00eam nh\u1eefng ch\u1ed7 kh\u00e1c.<\/div><\/div>
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Tuy nhi\u00ean, c\u00f3 2 v\u1ea5n \u0111\u1ec1 m\u00e0 anh g\u1eb7p ph\u1ea3i.<\/div><\/div>

\u00a0<\/h3>

V\u1ea5n \u0111\u1ec1 th\u1ee9 1<\/h3>
C\u00f4ng ty c\u1ee7a anh Th\u00e1i c\u00f3 l\u00e3i r\u00f2ng (net profit) l\u00e0 $55,000 trong n\u0103m 2019.\u00a0<\/div>
Tuy nhi\u00ean, trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh n\u1ed9p l\u00ean ATO\u00a0<\/div>
th\u00ec n\u0103m 2020 c\u00f4ng ty anh Th\u00e1i c\u00f3 Net profit l\u00ean t\u1edbi $198,000, t\u1ee9c l\u00e0 t\u0103ng g\u1ea7n 400% so v\u1edbi n\u0103m 2019.<\/div>
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\u0110\u00e2y ch\u00ednh l\u00e0 v\u1ea5n \u0111\u1ec1.<\/div>
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Anh ngh\u0129 r\u1eb1ng Ng\u00e2n h\u00e0ng s\u1ebd t\u00ednh d\u1ef1a theo con s\u1ed1 c\u1ee7a n\u0103m 2020 \u0111\u1ec3 x\u00e9t h\u1ed3 s\u01a1 vay ti\u1ec1n c\u1ee7a anh.\u00a0<\/div>
Tuy nhi\u00ean, n\u00f3 l\u1ea1i kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady.<\/div>
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L\u00fd do m\u00e0 Ng\u00e2n h\u00e0ng mu\u1ed1n ng\u01b0\u1eddi \u0111i vay l\u00e0 Self-employed n\u1ed9p 2 n\u0103m Tax return\u00a0<\/div>
v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh l\u00e0 b\u1edfi h\u1ecd mu\u1ed1n bi\u1ebft ngu\u1ed3n thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi ch\u1ee7 doanh nghi\u1ec7p c\u00f3\u00a0<\/div>
\u0111\u1ec1u \u0111\u1eb7n hay kh\u00f4ng.<\/div><\/div>
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Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 t\u0103ng tr\u01b0\u1edfng th\u00ec n\u1ebfu nh\u01b0 s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u00f3 kh\u00f4ng qu\u00e1 20%- 30%\u00a0<\/div>
(tu\u1ef3 ng\u00e2n h\u00e0ng), Ng\u00e2n h\u00e0ng s\u1ebd l\u1ea5y b\u00ecnh qu\u00e2n \u0111\u1ec3 coi l\u00e0 thu nh\u1eadp c\u1ee7a anh Th\u00e1i.<\/div>
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Tuy nhi\u00ean, tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00f4ng ty anh Th\u00e1i l\u1ea1i c\u00f3 l\u1eddi t\u0103ng 400%,\u00a0<\/div>
nh\u01b0 v\u1eady, Self-employed income c\u1ee7a anh Th\u00e1i ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh = 120% c\u1ee7a n\u0103m 2019.\u00a0<\/div>
T\u1ee9c l\u00e0 120% x $50,500.<\/div>
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Trong khi \u0111\u00f3, c\u0103n nh\u00e0 anh mu\u1ed1n refinance c\u00f3 gi\u00e1 h\u01a1n $800,000.<\/div>
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N\u1ebfu \u0111\u01b0a v\u00e0o c\u00e1c chi ph\u00ed c\u1ee7a anh th\u00ec r\u1ea5t kh\u00f3 \u0111\u1ec3 Ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn.<\/div>
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R\u1ea5t may l\u00e0 C\u00f4ng ty anh Th\u00e1i c\u00f3 tr\u1ea3 l\u01b0\u01a1ng cho gi\u00e1m \u0111\u1ed1c, t\u1ee9c l\u00e0 anh t\u1ef1 tr\u1ea3 l\u01b0\u01a1ng th\u00eam cho m\u00ecnh.<\/div>
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Cho n\u00ean Ng\u00e2n h\u00e0ng cho ph\u00e9p add back, ngh\u0129a l\u00e0 t\u00ednh c\u1ea3 l\u01b0\u01a1ng gi\u00e1m \u0111\u1ed1c v\u00e0o cho t\u1ed5ng thu nh\u1eadp c\u1ee7a anh Th\u00e1i.\u00a0<\/div>
Nh\u01b0 v\u1eady th\u00ec \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho kho\u1ea3n vay<\/div>
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V\u1ea5n \u0111\u1ec1 th\u1ee9 2<\/b><\/h3><\/div>
Anh Th\u00e1i mu\u1ed1n refinance \u0111\u1ec3 cash out, t\u1ee9c l\u00e0 vay th\u00eam s\u1ed1 ti\u1ec1n\u00a0<\/div>
m\u00e0 anh \u0111\u00e3 t\u00edch lu\u1ef9 \u0111\u01b0\u1ee3c trong c\u0103n nh\u00e0 \u0111\u00f3 trong nhi\u1ec1u n\u0103m qua.<\/div>
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T\u1edbi \u0111\u00e2y m\u1edbi ph\u00e1t sinh v\u1ea5n \u0111\u1ec1 kh\u00e1c, \u0111\u00f3 l\u00e0 Ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 l\u00fd do r\u00f5 r\u00e0ng cho\u00a0<\/div>
vi\u1ec7c cash out l\u00e0 g\u00ec.<\/div>
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T\u1ea5t nhi\u00ean l\u00e0 Ng\u00e2n h\u00e0ng th\u00edch kh\u00e1ch h\u00e0ng vay th\u00eam, b\u1edfi \u0111\u00f3 l\u00e0 c\u00f3 l\u1ee3i cho h\u1ecd.\u00a0<\/div>
Nh\u01b0ng h\u1ecd kh\u00f4ng mu\u1ed1n kh\u00e1ch h\u00e0ng vay cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00f4ng r\u00f5 r\u00e0ng, r\u1ee7i ro cao.<\/div>
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V\u00ed d\u1ee5, n\u1ebfu anh Th\u00e1i vay \u0111\u1ec3 mua nh\u00e0 \u0111\u1ea7u t\u01b0, \u0111\u00f3 l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 r\u00f5 r\u00e0ng,\u00a0<\/div>
l\u1ea1i c\u00f3 th\u00eam thu nh\u1eadp t\u1eeb c\u0103n nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00f3, th\u00ec \u0111\u00f3 l\u00e0 r\u1ee7i ro ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c.<\/div>
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Ho\u1eb7c n\u1ebfu anh Th\u00e1i vay \u0111\u1ec3 tu s\u1eeda ki\u1ebfn tr\u00fac c\u0103n nh\u00e0 c\u0169, th\u00ec \u0111\u00f3 l\u00e0m t\u0103ng gi\u00e1 tr\u1ecb c\u0103n nh\u00e0,\u00a0<\/div>
c\u0169ng l\u00e0 r\u1ee7i ro ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c.<\/div>
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V\u00ec v\u1eady, tr\u01b0\u1eddng h\u1ee3p n\u00e0y anh Th\u00e1i mu\u1ed1n cash out m\u1ea5y tr\u0103m ng\u00e0n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c,\u00a0<\/div>
th\u00ec Ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng \u0111\u1ed3ng \u00fd.<\/span><\/div>
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Y\u00eau c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng, \u0111\u00f3 l\u00e0 c\u00e1c kho\u1ea3n vay refinance d\u01b0\u1edbi $100,000 th\u00ec kh\u00f4ng y\u00eau c\u1ea7u\u00a0<\/div>
gi\u1ea5y t\u1edd ch\u1ee9ng t\u1eeb ch\u1ee9ng minh c\u1ee5 th\u1ec3.<\/div>
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V\u00ed d\u1ee5 nh\u01b0 vay mua xe v\u00e0i ch\u1ee5c ng\u00e0n, \u0111i holiday 10 ng\u00e0n – 20 ng\u00e0n,\u00a0<\/div>
ho\u1eb7c vay \u0111\u1ec3 tu s\u1eeda b\u00ean trong c\u0103n nh\u00e0, kh\u00f4ng \u0111\u1ed9ng t\u1edbi c\u1ea5u tr\u00fac nh\u00e0\u00a0<\/div>
(non-structural renovations), d\u01b0\u1edbi $100,000 th\u00ec kh\u00f4ng sao.<\/div>
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Nh\u01b0ng tr\u00ean m\u1ee9c \u0111\u00f3 th\u00ec ph\u1ea3i gi\u1ea3i tr\u00ecnh k\u00e8m theo ch\u1ee9ng t\u1eeb nh\u01b0 h\u1ee3p \u0111\u1ed3ng, v.v…<\/div>
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V\u00e0 ng\u00e2n h\u00e0ng r\u1ea5t ng\u1ea1i cho vay t\u1eeb nh\u00e0 \u0111ang \u1edf ra \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o business, v\u00ec r\u1ee7i ro kh\u00f3 ki\u1ec3m so\u00e1t.<\/div>
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V\u00ec v\u1eady, tr\u01b0\u1eddng h\u1ee3p anh Th\u00e1i r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 cash out ra \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u01b0 anh mong mu\u1ed1n.<\/div><\/div>
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Qua c\u00e2u chuy\u1ec7n n\u00e0y, Flexi mu\u1ed1n chia s\u1ebb v\u1edbi c\u00e1c anh ch\u1ecb self-employed 3 \u0111i\u1ec1u:<\/div><\/div>