{"id":12314,"date":"2025-01-15T08:03:35","date_gmt":"2025-01-15T08:03:35","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/nen-mua-nha-hay-thue-nha-thi-se-co-loi-ve-mat-tai-chinh\/"},"modified":"2025-01-15T08:03:35","modified_gmt":"2025-01-15T08:03:35","slug":"nen-mua-nha-hay-thue-nha-thi-se-co-loi-ve-mat-tai-chinh","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/nen-mua-nha-hay-thue-nha-thi-se-co-loi-ve-mat-tai-chinh\/","title":{"rendered":"N\u00ean mua nh\u00e0 hay thu\u00ea nh\u00e0 th\u00ec s\u1ebd c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh?"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<p style=\"text-align: justify\"><strong>G\u1ea7n \u0111\u00e2y trong nh\u1eefng c\u00e2u chuy\u1ec7n b\u00e0n tr\u00e0 \u0111\u00e1 v\u1ec9a h\u00e8 B\u00e1ch v\u00e0 m\u1ea5y anh em \u0111\u1ed3ng nghi\u1ec7p hay tranh lu\u1eadn v\u1ec1 vi\u1ec7c N\u00ean mua nh\u00e0 hay thu\u00ea nh\u00e0? ph\u01b0\u01a1ng \u00e1n n\u00e0o c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh? ph\u01b0\u01a1ng \u00e1n n\u00e0o c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t h\u1ea1nh ph\u00fac s\u1ed1ng?. \u0110\u1ec3 tr\u1ea3 l\u1eddi cho quan \u0111i\u1ec3m c\u1ee7a B\u00e1ch, B\u00e1ch xin \u0111\u01b0a ra v\u00ed d\u1ee5 nh\u01b0 sau:<\/strong><\/p>\n<p style=\"text-align: justify\">H\u00f4m r\u1ed3i B\u00e1ch c\u00f3 \u0111i xem m\u1ed9t c\u0103n h\u1ed9 t\u1ea1i d\u1ef1 \u00e1n GreenBay Vinhomes, m\u1ed9t d\u1ef1 \u00e1n r\u1ea5t \u0111\u1eb9p do VinGroup \u0111\u1ea7u t\u01b0. Gi\u00e1 m\u1ed9t c\u0103n h\u1ed9 50M2 t\u1ea1i GreenBay v\u00e0o kho\u1ea3ng 1 t\u1ef7 8, s\u1edf h\u1eefu v\u0129nh vi\u1ec5n, \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn kho\u1ea3n t\u00edn d\u1ee5ng t\u1edbi 60% gi\u00e1 tr\u1ecb c\u0103n h\u1ed9, l\u00e3i su\u1ea5t 10% m\u1ed9t n\u0103m, B\u00e1ch d\u1ef1 t\u00ednh s\u1ebd tr\u1ea3 Vinhomes 50% l\u00e0 900 tri\u1ec7u, vay ng\u00e2n h\u00e0ng 900 tri\u1ec7u v\u1edbi l\u00e3i su\u1ea5t 10% m\u1ed9t n\u0103m, tr\u1ea3 g\u00f3p trong 20 n\u0103m . B\u00ean c\u1ea1nh \u0111\u00f3 B\u00e1ch c\u0169ng tham kh\u1ea3o gi\u00e1 thu\u00ea m\u1ed9t c\u0103n h\u1ed9 t\u01b0\u01a1ng t\u1ef1 t\u1ea1i m\u1ed9t d\u1ef1 \u00e1n kh\u00e1c c\u1ee7a Vinhomes v\u00e0o kho\u1ea3ng 9 Tr\/Th\u00e1ng (Gi\u00e1 cho c\u0103n h\u1ed9 \u0111\u00e3 \u0111\u1ea7y \u0111\u1ee7 n\u1ed9i th\u1ea5t b\u00e0n gh\u1ebf, gi\u01b0\u1eddng chi\u1ebfu) ,\u00a0gi\u00e1 thu\u00ea kh\u00e1 \u1ed5n \u0111\u1ecbnh kh\u00f4ng c\u00f3 xu h\u01b0\u1edbng t\u0103ng hay gi\u1ea3m.<\/p>\n<blockquote>\n<p style=\"text-align: justify\">T\u00ecm hi\u1ec3u ngay:\u00a0<a href=\"http:\/\/blog.ezworkapp.com\">kh\u00f3a h\u1ecdc Word Excel<\/a>\u00a0 1 th\u1ea7y 1 tr\u00f2<\/p>\n<\/blockquote>\n<p style=\"text-align: justify\">\u0110\u1ee9ng tr\u01b0\u1edbc hai s\u1ef1 l\u1ef1a ch\u1ecdn l\u00e0 mua nh\u00e0 ho\u1eb7c thu\u00ea nh\u00e0 B\u00e1ch s\u1ebd coi hai ph\u01b0\u01a1ng \u00e1n n\u00e0y nh\u01b0 2 d\u1ef1 \u00e1n, c\u00f3 \u0111\u1ea7u t\u01b0, c\u00f3 doanh thu h\u00e0ng th\u00e1ng v\u00e0 sau \u0111\u00f3 t\u00ednh gi\u00e1 tr\u1ecb NPV (Net Present Value \u2013 Gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i thu\u1ea7n) \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0:<\/p>\n<ol style=\"text-align: justify\">\n<li><strong>Ph\u01b0\u01a1ng \u00e1n mua nh\u00e0.<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify\">N\u1ebfu mua nh\u00e0, h\u00e0ng th\u00e1ng B\u00e1ch s\u1ebd ph\u1ea3i tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 ng\u00e2n h\u00e0ng bao g\u1ed3m g\u1ed1c v\u00e0 l\u00e3i trong 20 n\u0103m, B\u00e1ch ph\u1ea3i chi m\u1ed9t kho\u1ea3n ti\u1ec1n kho\u1ea3ng 50 tri\u1ec7u ban \u0111\u1ea7u \u0111\u1ec3 mua s\u1eafm m\u1ed9t s\u1ed1 \u0111\u1ed3 n\u1ed9i th\u1ea5t c\u01a1 b\u1ea3n, sau 50 n\u0103m, B\u00e1ch s\u1ebd gi\u00e0 v\u00e0 kh\u00f4ng \u1edf n\u1eefa v\u00e0 rao b\u00e1n, gi\u1ea3 d\u1ee5 c\u0103n h\u1ed9 l\u00fac \u0111\u00f3 gi\u00e1 th\u1ecb tr\u01b0\u1eddng l\u00e0 10 t\u1ef7 (10 t\u1ef7 \u0111\u00f3 nha, g\u1ea5p h\u01a1n 5 l\u1ea7n khi mua), l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng v\u00ed d\u1ee5 l\u00e0 7% v\u00e0 kh\u00f4ng \u0111\u1ed5i.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-12670 aligncenter\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2025\/01\/nen-mua-nha-hay-thue-nha-thi-se-co-loi-ve-mat-tai-chinh.jpg\" alt=\"N\u00ean mua nh\u00e0 hay thu\u00ea nh\u00e0 th\u00ec s\u1ebd c\u00f3 l\u1ee3i v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh?\" width=\"600\" height=\"449\" title=\"nen-mua-nha-hay-thue-nha-thi-se-co-loi-ve-mat-tai-chinh\"><\/p>\n<ul style=\"text-align: justify\">\n<li>C\u00e1c kho\u1ea3n n\u1ee3 B\u00e1ch ph\u1ea3i tr\u1ea3 ng\u00e2n h\u00e0ng h\u00e0ng th\u00e1ng =PMT(10%\/12;20*12;900,000,000;0)=<strong>8.685.195 \u0111<\/strong><\/li>\n<li>Suy ra t\u00ednh \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng trong 20 n\u0103m quy v\u1ec1 th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i =PV(7%\/12;20*12;8,685,195;0)=<strong>1,120,238,092\u0111<\/strong><\/li>\n<li>C\u1ed9ng v\u1edbi kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc 900,000,000\u0111 v\u00e0 50,000,000\u0111 mua s\u1eafm \u0111\u1ed3 \u0111\u1ea1c, ta d\u1ec5 d\u00e0ng t\u00ednh \u0111\u01b0\u1ee3c Gi\u00e1 tr\u1ecb kho\u1ea3n \u0111\u1ea7u t\u01b0 mua nh\u00e0 quy v\u1ec1 th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i =950,000,000+1,120,238,092=<strong>2,070,238,092\u0111<\/strong><\/li>\n<li>Sau 50 n\u0103m, doanh thu t\u1eeb b\u00e1n c\u0103n h\u1ed9 l\u00e0 10 t\u1ef7, v\u1eady 10 t\u1ef7 c\u1ee7a 50 n\u0103m n\u1eefa b\u1eb1ng bao nhi\u00eau so v\u1edbi s\u1ed1 ti\u1ec1n hi\u1ec7n t\u1ea1i? Ta t\u00ednh nh\u01b0 sau =PV(7%;50;0;10,000,000,00;0)=<strong>339,477,594\u0111<\/strong><\/li>\n<li>=&gt; NPV c\u1ee7a d\u1ef1 \u00e1n n\u00e0y = 339,477,594 \u2013 2,070,238,092 = <strong>\u2013 1,730,760,497\u0111.<\/strong><\/li>\n<\/ul>\n<blockquote>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/excel-co-ban\">H\u01b0\u1edbng d\u1eabn h\u1ecdc Excel c\u01a1 b\u1ea3n<\/a><\/p>\n<\/blockquote>\n<p style=\"text-align: justify\"><strong>2. Ph\u01b0\u01a1ng \u00e1n thu\u00ea nh\u00e0.<\/strong><\/p>\n<p style=\"text-align: justify\">N\u1ebfu thu\u00ea nh\u00e0, b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 kho\u1ea3n ti\u1ec1n l\u00e0 900,000,000\u0111, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ec1n n\u00e0y g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t 7% m\u1ed9t n\u0103m, l\u00e3i l\u0129nh \u0111\u1ecbnh k\u1ef3, r\u00fat g\u1ed1c khi \u0111\u00e1o h\u1ea1n. Tuy nhi\u00ean do thu\u00ea nh\u00e0 n\u00ean h\u00e0ng th\u00e1ng b\u1ea1n ph\u1ea3i thu\u00ea nh\u00e0 v\u1edbi chi ph\u00ed l\u00e0 9,000,000\u0111 m\u1ed9t th\u00e1ng trong 50 n\u0103m, b\u00e2y gi\u1edd ta s\u1ebd \u0111i t\u00ednh gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i c\u1ee7a c\u00e1c kho\u1ea3n thu nh\u1eadp t\u1eeb g\u1eedi ng\u00e2n h\u00e0ng v\u00e0 chi ph\u00ed thu\u00ea nh\u00e0 h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n.<\/p>\n<ul style=\"text-align: justify\">\n<li>Chi ph\u00ed thu\u00ea nh\u00e0 trong 50 n\u0103m quy v\u1ec1 hi\u1ec7n t\u1ea1i =PV(7%\/12;50*12;9,000,000;0)=<strong>1,495,790,710\u0111.<\/strong><\/li>\n<li>C\u1ed9ng v\u1edbi chi ph\u00ed 900 tri\u1ec7u \u0111\u1ea7u t\u01b0 cho ng\u00e2n h\u00e0ng vay, th\u00ec T\u1ed5ng chi ph\u00ed cho d\u1ef1 \u00e1n = 1,495,790,710 + 900,000,000=<strong>2,395,790,710\u0111<\/strong><\/li>\n<li>Thu nh\u1eadp t\u1eeb l\u00e3i cho ng\u00e2n h\u00e0ng vay v\u00e0 g\u1ed1c r\u00fat khi \u0111\u00e1o h\u1ea1n sau 50 n\u0103m =PV(7%\/12;50*12;5,250,000;900,000,000;0)=900,000,000\u0111<strong>.<\/strong><\/li>\n<li>=&gt; NPV c\u1ee7a d\u1ef1 \u00e1n n\u00e0y = 900,000,000 \u2013 2,395,790,710\u00a0=<b><b>\u00a0-1,495,790,710\u0111<\/b><\/b><\/li>\n<\/ul>\n<p style=\"text-align: justify\">\u0110em so s\u00e1nh hai k\u1ebft qu\u1ea3 tr\u00ean ta th\u1ea5y, d\u00f9 l\u00e0 ph\u01b0\u01a1ng \u00e1n n\u00e0o th\u00ec \u0111\u1ec1u ph\u00e1t sinh chi ph\u00ed cho cu\u1ed9c s\u1ed1ng v\u00e0 c\u00e1c c\u1ee5 n\u00f3i r\u1ea5t \u0111\u00fang \u201c\u1ede h\u1ebft nhi\u1ec1u ch\u1ee9 \u0103n th\u00ec h\u1ebft m\u1ea5y\u201d. V\u00e0 t\u1ea5t nhi\u00ean ph\u01b0\u01a1ng \u00e1n thu\u00ea nh\u00e0 s\u1ebd gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m kho\u1ea3n ti\u1ec1n kh\u00e1 l\u1edbn v\u00e0 gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh cho b\u1ea1n khi c\u00f2n tr\u1ebb, nh\u01b0ng n\u1ebfu b\u1ea1n c\u1ea7n s\u1ef1 \u1ed5n \u0111\u1ecbnh, c\u00f3 t\u00e0i s\u1ea3n th\u1eeba k\u1ebf cho con ch\u00e1u th\u00ec ph\u01b0\u01a1ng \u00e1n mua nh\u00e0 c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t.<\/p>\n<div class=\"code-block code-block-1\" style=\"margin: 8px 0;clear: both\">\n<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2025\/01\/ex101_92019-nho-381.gif\" title=\"ex101_92019-nho-381\"><br \/>\n<\/a>\n<\/div>\n<\/div>\n<p style=\"text-align: justify\">Tuy nhi\u00ean, b\u1ea1n c\u1ea7n l\u01b0u \u00fd hai v\u00ed d\u1ee5 tr\u00ean l\u00e0 theo \u0111i\u1ec1u ki\u1ec7n B\u00e1ch \u0111\u01b0a ra, c\u00f2n th\u1ef1c t\u1ebf th\u00ec c\u00f3 th\u1ec3 kh\u00e1c r\u1ea5t nhi\u1ec1u, v\u00ed d\u1ee5 sau 50 n\u0103m n\u1eefa gi\u00e1 c\u0103n h\u1ed9 t\u0103ng l\u00ean 100 t\u1ef7 ho\u1eb7c gi\u00e1 thu\u00ea nh\u00e0 kh\u00f4ng ph\u1ea3i m\u00e3i m\u00e3i l\u00e0 9 tri\u1ec7u m\u00e0 c\u00f3 th\u1ec3 t\u0103ng l\u00ean 90 tri\u1ec7u, t\u01b0\u01a1ng lai kh\u00f4ng th\u1ec3 bi\u1ebft tr\u01b0\u1edbc \u0111i\u1ec1u g\u00ec, b\u1ea1n h\u00e3y t\u1ef1 l\u1ef1a ch\u1ecdn theo con tim m\u00e1ch b\u1ea3o, \u0111\u1eebng nghe B\u00e1ch.<\/p>\n<p style=\"text-align: justify\">B\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 t\u00ednh v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c ph\u01b0\u01a1ng \u00e1n nh\u01b0 Mua chung c\u01b0, Mua \u0111\u1ea5t x\u00e2y nh\u00e0, Thu\u00ea nh\u00e0 <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1Tun9i7-o9Cx5pNnVaCsVfP5LpJm9p0jiQQmvXmE-VZM\/edit#gid=0\" target=\"_blank\">t\u1ea1i \u0111\u00e2y<\/a>.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n<div class=\"uk-panel uk-margin uk-width-xlarge\">\n<p>Click \u0111\u0103ng k\u00fd h\u1ecdc t\u1ea1i:<\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/khoa-hoc\" target=\"_blank\" rel=\"noopener\">T\u1ea5t c\u1ea3 kho\u00e1 h\u1ecdc\u00a0<span>\ud83d\udcd6<\/span><\/a><\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/huong-dan-kich-hoat-khoa-hoc-tai-hoc-excel-online.html\" target=\"_blank\" rel=\"noopener\">H\u01b0\u1edbng d\u1eabn k\u00edch ho\u1ea1t<\/a><\/p>\n<p>HKD H\u1ecdc Excel Online<br \/>S\u1ed1 \u0110K: 17A80048102<\/p>\n<\/div>\n<div class=\"uk-panel uk-text-small uk-margin uk-margin-remove-bottom uk-text-center\">\n<p>\u00a9  document.currentScript.insertAdjacentHTML(&#8216;afterend&#8217;, &#8221; + new Intl.DateTimeFormat(document.documentElement.lang, {year: &#8216;numeric&#8217;}).format() + &#8221;);  H\u1ecdc Excel Online. All rights reserved.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2025\/01\/ex101_92019-nho-381.gif\"><br \/>\n<\/a>\n<\/div>\n","protected":false},"author":1,"featured_media":12315,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-12314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-excel-co-ban"],"_links":{"self":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12314","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/comments?post=12314"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12314\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/12315"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=12314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=12314"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=12314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}