{"id":4681,"date":"2021-04-15T06:22:16","date_gmt":"2021-04-15T06:22:16","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=4681"},"modified":"2021-07-08T23:24:04","modified_gmt":"2021-07-08T13:24:04","slug":"nhung-phat-sinh-khi-vay-mua-nha-lan-dau-ma-khach-hang-khong-ngo-den","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/nhung-phat-sinh-khi-vay-mua-nha-lan-dau-ma-khach-hang-khong-ngo-den\/","title":{"rendered":"CASE STUDY: Nh\u1eefng ph\u00e1t sinh kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ec3 ng\u1edd khi vay ti\u1ec1n mua nh\u00e0 l\u1ea7n \u0111\u1ea7u"},"content":{"rendered":"
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Nh\u1eefng ph\u00e1t sinh khi vay mua nh\u00e0 l\u1ea7n \u0111\u1ea7u: d\u00f9 \u0111\u00e3 c\u00f3 \u0111\u1ee7 ti\u1ec1n trong t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 deposit nh\u01b0ng v\u1eabn b\u1ecb nhi\u1ec1u ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i<\/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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Mong mu\u1ed1n & d\u1ef1 \u0111\u1ecbnh kh\u00e1ch h\u00e0ng<\/h2>
Ch\u1eafc c\u00f3 nhi\u1ec1u anh ch\u1ecb c\u0169ng c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i do c\u00f3 li\u00ean quan t\u1edbi vi\u1ec7c thu nh\u1eadp b\u1ecb thay \u0111\u1ed5i do Covid-19.<\/span><\/div><\/div>
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Anh To\u00e0n v\u00e0 ch\u1ecb Nga (t\u00ean kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c thay \u0111\u1ed5i) \u0111\u00e3 \u1ea5p \u1ee7 k\u1ebf ho\u1ea1ch mua c\u0103n nh\u00e0 \u0111\u1ea7u ti\u00ean\u00a0t\u1eeb g\u1ea7n 2 n\u0103m nay,\u00a0<\/span><\/div>
V\u00e0 \u0111\u00e3 quy\u1ebft t\u00e2m d\u00e0nh d\u1ee5m \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m kho\u1ea3ng $40,000.<\/span><\/div><\/div>
\u0110\u00e2y l\u00e0 m\u1ed9t n\u1ed7 l\u1ef1c r\u1ea5t l\u1edbn v\u00ec \u0111\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n.<\/div>
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Anh ch\u1ecb To\u00e0n – Nga li\u00ean h\u1ec7 v\u1edbi Flexi ch\u1ec9 m\u1edbi m\u1ee5c \u0111\u00edch xem m\u00ecnh c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n\u00a0<\/div>
v\u00ec anh ch\u1ecb \u0111\u1ecbnh mua m\u1ed9t c\u0103n Unit \u1edf NSW.<\/span><\/div>
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V\u1edbi m\u1ee9c thu nh\u1eadp hi\u1ec7n t\u1ea1i c\u1ee7a 2 anh ch\u1ecb l\u00e0 $1,800 per week,\u00a0<\/div>
v\u00e0 kh\u00f4ng c\u00f3 kho\u1ea3n n\u1ee3 n\u00e0o kh\u00e1c, c\u00e1c Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cho anh ch\u1ecb vay t\u1edbi h\u01a1n $500,000 \u0111\u1ec3 mua nh\u00e0.<\/div>
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Tuy nhi\u00ean, t\u1edbi \u0111\u00e2y m\u1edbi ph\u00e1t sinh v\u1ea5n \u0111\u1ec1, \u0111\u00f3 l\u00e0 \u0111a ph\u1ea7n m\u1ecdi ng\u01b0\u1eddi ngh\u0129 r\u1eb1ng,\u00a0<\/div>
ph\u1ea3i c\u00f3 ti\u1ebft ki\u1ec7m 20% m\u1edbi c\u00f3 th\u1ec3 mua nh\u00e0.<\/div>
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Anh To\u00e0n ch\u1ecb Nga c\u0169ng ngh\u0129 nh\u01b0 v\u1eady n\u00ean sau khi bi\u1ebft m\u00ecnh c\u00f3 th\u1ec3 vay $500,000 th\u00ec th\u1ea5y ti\u1ebfc,\u00a0<\/div>
v\u00ec nh\u01b0 v\u1eady ph\u1ea3i c\u00f3 $100,000 ti\u1ec1n ti\u1ebft ki\u1ec7m m\u1edbi c\u00f3 th\u1ec3 ngh\u0129 t\u1edbi chuy\u1ec7n mua nh\u00e0,\u00a0<\/div>
ch\u01b0a k\u1ec3 c\u00e1c chi ph\u00ed kh\u00e1c.<\/div>
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V\u1edbi $40,000 ti\u1ebft ki\u1ec7m th\u00ec ch\u1ec9 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 8% c\u1ee7a c\u0103n nh\u00e0 \u0111\u00f3.<\/div>
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Anh To\u00e0n n\u00f3i v\u1edbi Flexi:<\/div>
“Th\u00f4i, ch\u1eafc ch\u01b0a t\u1edbi l\u00fac r\u1ed3i, l\u1ea1i ti\u1ebft ki\u1ec7m th\u00eam v\u1eady,\u00a0<\/div>
nh\u01b0ng m\u00e0 c\u00f3 th\u00eam ti\u1ec1n th\u00ec gi\u00e1 nh\u00e0 ch\u1eafc c\u0169ng s\u1ebd t\u0103ng theo“<\/span><\/div><\/div>
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Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 \u0111i\u1ec3m c\u00f3 l\u1ee3i \u0111\u1ea7u ti\u00ean khi anh ch\u1ecb trao \u0111\u1ed5i v\u1edbi Flexi, b\u1edfi v\u00ec tr\u00ean th\u1ef1c t\u1ebf,\u00a0<\/div>
c\u00f3 nhi\u1ec1u Ng\u00e2n h\u00e0ng cho vay t\u1edbi 95% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0.<\/div>
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Nh\u1eefng h\u1ed7 tr\u1ee3 c\u1ee7a Ch\u00ednh Ph\u1ee7<\/h2>
Ngo\u00e0i ra, Ch\u00ednh ph\u1ee7 c\u0169ng \u0111ang c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 kho\u1ea3n deposit \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u,\u00a0<\/div>
t\u1ee9c l\u00e0 Ch\u00ednh ph\u1ee7 s\u1ebd \u0111\u1ee9ng ra b\u1ea3o l\u00e3nh \u0111\u1ec3 ng\u01b0\u1eddi mua ch\u1ec9 ph\u1ea3i tr\u1ea3 5%\u00a0<\/div>
v\u00e0 kh\u00f4ng c\u1ea7n \u0111\u00f3ng b\u1ea3o hi\u1ec3m kho\u1ea3n vay.<\/div><\/div>
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(Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y s\u1ed1 l\u01b0\u1ee3ng c\u00f3 10,000 ph\u00e2n b\u1ed5 cho c\u00e1c Ng\u00e2n h\u00e0ng\u00a0<\/i><\/div>
n\u00ean c\u0169ng kh\u00f4ng r\u00f5 l\u00e0 c\u00f3 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c duy\u1ec7t hay kh\u00f4ng)<\/i><\/div>
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Nh\u01b0ng c\u01a1 h\u1ed9i \u0111\u00e3 m\u1edf ra v\u1edbi Anh To\u00e0n ch\u1ecb Nga v\u00ec Flexi c\u00f3 th\u1ec3 n\u1ed9p h\u1ed3 s\u01a1 v\u00e0o nhi\u1ec1u Ng\u00e2n h\u00e0ng cho ph\u00e9p vay t\u1edbi 95%.<\/div>
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Ngh\u0129a l\u00e0 anh ch\u1ecb ch\u1ec9 c\u1ea7n c\u00f3 $25,000 ti\u1ec1n deposit.<\/div>
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Ngo\u00e0i ra, v\u00ec l\u00e0 ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u, anh ch\u1ecb c\u00f2n \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed ti\u1ec1n Stamp duty\u00a0<\/div>
do gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 th\u1ea5p h\u01a1n $650,000.<\/div>
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Kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m kho\u1ea3n vay LMI kho\u1ea3ng $5,000 anh ch\u1ecb c\u00f3 th\u1ec3 tr\u00edch t\u1eeb s\u1ed1 ti\u1ec1n d\u01b0 \u0111\u1ec3 \u0111\u00f3ng ngay,\u00a0<\/div>
ho\u1eb7c t\u00ednh v\u00e0o ti\u1ec1n vay g\u1ed1c \u0111\u1ec3 tr\u1ea3 d\u1ea7n trong 30 n\u0103m.<\/div>
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C\u1ed9ng th\u00eam v\u00e0i ng\u00e0n ti\u1ec1n chi ph\u00ed lu\u1eadt s\u01b0 v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed kh\u00e1c,\u00a0<\/div>
anh To\u00e0n ch\u1ecb Nga \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n mua c\u0103n nh\u00e0 \u0111\u1ea7u ti\u00ean m\u01a1 \u01b0\u1edbc c\u1ee7a m\u00ecnh.<\/div><\/div>
Tuy nhi\u00ean, m\u1ecdi chuy\u1ec7n t\u01b0\u1edfng ch\u1eebng nh\u01b0 su\u00f4n s\u1ebb. C\u00f3 2 v\u1ea5n \u0111\u1ec1 m\u1edbi ph\u00e1t sinh:<\/div>
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Ph\u00e1t sinh 1 khi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u<\/b><\/h2>
\u0110\u1ebfn l\u00fac Flexi \u0111\u1ec1 ngh\u1ecb anh To\u00e0n ch\u1ecb Nga g\u1eedi payslip th\u00ec\u00a0<\/div>
anh To\u00e0n m\u1edbi n\u00f3i l\u00e0 l\u01b0\u01a1ng c\u1ee7a c\u1ea3 2 anh ch\u1ecb m\u1edbi \u0111\u01b0\u1ee3c t\u0103ng tr\u1edf l\u1ea1i g\u1ea7n \u0111\u00e2y l\u00ean m\u1ee9c $1,800 \/ tu\u1ea7n,\u00a0<\/div>
do \u0111\u1ee3t tr\u01b0\u1edbc nh\u1eadn l\u01b0\u01a1ng theo job keeper.<\/div>
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V\u1edbi m\u1ee9c l\u01b0\u01a1ng \u0111\u00f3 th\u00ec kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 vay $500,000.<\/div>
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\u0110\u00e2y l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 c\u1ea7n l\u01b0u \u00fd, b\u1edfi v\u00ec nhi\u1ec1u Ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u m\u1ee9c thu nh\u1eadp \u0111\u00f3\u00a0<\/div>
ph\u1ea3i duy tr\u00ec \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 3 th\u00e1ng tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1.<\/div>
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Tr\u01b0\u1eddng h\u1ee3p n\u00e0y anh To\u00e0n s\u1ebd b\u1ecb nhi\u1ec1u ng\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i.<\/div>
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Ph\u00e1t sinh 2 khi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u <\/b>\u00a0<\/span><\/h2>
Ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a anh ch\u1ecb m\u1edbi huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u1eeb ng\u01b0\u1eddi th\u00e2n,\u00a0<\/span><\/div>
t\u1ee9c l\u00e0 $40,000 \u0111\u00f3 m\u1edbi \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a anh ch\u1ecb g\u1ea7n \u0111\u00e2y.<\/span><\/div>
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\u0110\u00e2y l\u1ea1i l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 l\u1edbn h\u01a1n, \u0111\u00f3 l\u00e0 h\u1ea7u h\u1ebft Ng\u00e2n h\u00e0ng y\u00eau c\u1ea7u kho\u1ea3n ti\u1ebft ki\u1ec7m ph\u1ea3i c\u00f3 trong t\u00e0i kho\u1ea3n trong v\u00f2ng 3 th\u00e1ng tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1.<\/div>
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H\u1ecd g\u1ecdi \u0111\u00f3 l\u00e0 genuine saving.<\/div>
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\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 Ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng ch\u1ea5p nh\u1eadn kho\u1ea3n ti\u1ebft ki\u1ec7m $40,000 \u0111\u00f3 c\u1ee7a 2 anh ch\u1ecb t\u1ea1i th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i.<\/div>
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V\u1eady th\u00ec gi\u1ea3i ph\u00e1p \u1edf \u0111\u00e2y l\u00e0 anh To\u00e0n ch\u1ecb Nga s\u1ebd ph\u1ea3i ch\u1edd th\u00eam 3 th\u00e1ng n\u1eefa\u00a0<\/div>
\u0111\u1ec3 kho\u1ea3n thu nh\u1eadp v\u00e0 saving c\u1ee7a anh ch\u1ecb \u0111\u01b0\u1ee3c c\u00e1c Ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn.<\/div>
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V\u1edbi kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn nhi\u1ec1u Ng\u00e2n h\u00e0ng th\u00ec Flexi c\u00f3 th\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 Ng\u00e2n h\u00e0ng nh\u1ecf\u00a0<\/div>
ch\u1ea5p nh\u1eadn nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0y.<\/div>
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Tuy nhi\u00ean, nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u00f3 s\u1ebd \u0111i k\u00e8m v\u1edbi nh\u1eefng \u0111i\u1ec1u kho\u1ea3n kh\u00e1c,\u00a0<\/div>
trong \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 ti\u1ec1n l\u00e3i s\u1ebd cao h\u01a1n m\u1ed9t ch\u00fat.<\/div><\/div>
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Sau khi trao \u0111\u1ed5i c\u1ee5 th\u1ec3, anh To\u00e0n ch\u1ecb Nga \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh s\u1ebd ch\u1edd th\u00eam 3 th\u00e1ng n\u1eefa r\u1ed3i l\u00e0m h\u1ed3 s\u01a1.<\/div><\/div>
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Nh\u01b0ng tin vui nh\u1ea5t v\u1edbi anh ch\u1ecb l\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ee7 20% deposit m\u1edbi mua \u0111\u01b0\u1ee3c nh\u00e0.<\/div><\/div>
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Qua case study h\u00f4m nay, Flexi c\u00f3 3 \u0111i\u1ec1u mu\u1ed1n chia s\u1ebb t\u1edbi c\u00e1c anh ch\u1ecb<\/div><\/div>