{"id":11428,"date":"2025-10-06T09:15:37","date_gmt":"2025-10-06T02:15:37","guid":{"rendered":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/?p=11428"},"modified":"2026-05-28T12:32:09","modified_gmt":"2026-05-28T05:32:09","slug":"dti-la-gi","status":"publish","type":"post","link":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/kien-thuc-kinh-te\/dti-la-gi","title":{"rendered":"DTI l\u00e0 g\u00ec? C\u00e1ch c\u1ea3i thi\u1ec7n ch\u1ec9 s\u1ed1 DTI \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng vay th\u00e0nh c\u00f4ng"},"content":{"rendered":"

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u1ea3 n\u0103ng vay v\u1ed1n v\u00e0 duy tr\u00ec cu\u1ed9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh. Gi\u1eefa v\u00f4 s\u1ed1 ti\u00eau ch\u00ed ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1, DTI l\u00e0 g\u00ec<\/strong> tr\u1edf th\u00e0nh c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c quan t\u00e2m \u0111\u1eb7c bi\u1ec7t. Ch\u1ec9 s\u1ed1 n\u00e0y kh\u00f4ng ch\u1ec9 ph\u1ea3n \u00e1nh n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 m\u00e0 c\u00f2n gi\u00fap x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 an to\u00e0n c\u1ee7a h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng, g\u00f3p ph\u1ea7n \u0111\u1ecbnh h\u00ecnh th\u00f3i quen chi ti\u00eau b\u1ec1n v\u1eefng.<\/p>\n

\"DTI<\/figure>\n

DTI l\u00e0 g\u00ec?<\/h2>\n

DTI (Debt-to-Income Ratio)<\/strong> l\u00e0 ch\u1ec9 s\u1ed1 ph\u1ea3n \u00e1nh t\u1ef7 l\u1ec7 gi\u1eefa t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 cho c\u00e1c kho\u1ea3n n\u1ee3 h\u00e0ng th\u00e1ng so v\u1edbi t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n. Ch\u1ec9 s\u1ed1 n\u00e0y \u0111\u01b0\u1ee3c xem nh\u01b0 \u201cth\u01b0\u1edbc \u0111o s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh\u201d, cho bi\u1ebft ng\u01b0\u1eddi \u0111\u00f3 \u0111ang d\u00f9ng bao nhi\u00eau ph\u1ea7n tr\u0103m thu nh\u1eadp \u0111\u1ec3 chi tr\u1ea3 cho c\u00e1c kho\u1ea3n n\u1ee3.<\/p>\n

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DTI l\u00e0 ti\u00eau chu\u1ea9n quan tr\u1ecdng gi\u00fap ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00edn d\u1ee5ng.<\/strong><\/strong><\/p>\n<\/blockquote>\n

DTI c\u00e0ng th\u1ea5p, kh\u1ea3 n\u0103ng c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh c\u00e0ng t\u1ed1t v\u00e0 r\u1ee7i ro n\u1ee3 qu\u00e1 m\u1ee9c c\u00e0ng th\u1ea5p. Ng\u01b0\u1ee3c l\u1ea1i, DTI cao cho th\u1ea5y thu nh\u1eadp ph\u1ea7n l\u1edbn \u0111ang b\u1ecb chi\u1ebfm d\u1ee5ng b\u1edfi n\u1ee3, l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn uy t\u00edn t\u00edn d\u1ee5ng. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u00e2n h\u00e0ng, th\u01b0\u1eddng xem DTI l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng khi xem x\u00e9t h\u1ed3 s\u01a1 vay v\u1ed1n, v\u00ec n\u00f3 ph\u1ea3n \u00e1nh tr\u1ef1c ti\u1ebfp n\u0103ng l\u1ef1c tr\u1ea3 n\u1ee3 th\u1ef1c t\u1ebf c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u0110\u1ed1i v\u1edbi m\u1ed7i c\u00e1 nh\u00e2n, vi\u1ec7c theo d\u00f5i DTI th\u01b0\u1eddng xuy\u00ean gi\u00fap n\u1eafm r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, k\u1ecbp th\u1eddi \u0111i\u1ec1u ch\u1ec9nh chi ti\u00eau, h\u1ea1n ch\u1ebf ph\u00e1t sinh th\u00eam kho\u1ea3n n\u1ee3 kh\u00f4ng c\u1ea7n thi\u1ebft. Hi\u1ec3u r\u00f5 DTI l\u00e0 g\u00ec<\/strong> v\u00e0 duy tr\u00ec t\u1ef7 l\u1ec7 n\u00e0y \u1edf m\u1ee9c an to\u00e0n s\u1ebd gi\u00fap x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh \u1ed5n \u0111\u1ecbnh, t\u1ea1o thu\u1eadn l\u1ee3i cho c\u00e1c k\u1ebf ho\u1ea1ch vay v\u1ed1n, \u0111\u1ea7u t\u01b0 v\u00e0 ph\u00e1t tri\u1ec3n d\u00e0i h\u1ea1n.<\/p>\n

C\u00e1ch t\u00ednh DTI v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh<\/h2>\n

\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, c\u00e1ch t\u00ednh DTI<\/strong> \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng theo c\u00f4ng th\u1ee9c chu\u1ea9n:<\/p>\n

DTI = (T\u1ed5ng n\u1ee3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng \/ T\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng) \u00d7 100%<\/strong><\/p>\n

C\u00f4ng th\u1ee9c n\u00e0y cho th\u1ea5y m\u1ed7i th\u00e1ng b\u1ea1n \u0111ang d\u00f9ng bao nhi\u00eau ph\u1ea7n tr\u0103m thu nh\u1eadp \u0111\u1ec3 thanh to\u00e1n n\u1ee3. Ch\u1ec9 s\u1ed1 c\u00e0ng cao, \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e0ng l\u1edbn v\u00e0 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c duy\u1ec7t vay c\u00e0ng gi\u1ea3m.<\/p>\n

Hai y\u1ebfu t\u1ed1 c\u1ea5u th\u00e0nh DTI g\u1ed3m:
T\u1ed5ng n\u1ee3 h\u00e0ng th\u00e1ng:<\/strong> bao g\u1ed3m ti\u1ec1n tr\u1ea3 g\u00f3p mua nh\u00e0, xe, kho\u1ea3n vay ti\u00eau d\u00f9ng, n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, h\u1ecdc ph\u00ed vay ng\u00e2n h\u00e0ng ho\u1eb7c b\u1ea5t k\u1ef3 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o ph\u1ea3i chi tr\u1ea3 \u0111\u1ecbnh k\u1ef3.
T\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng:<\/strong> t\u00ednh t\u1eeb l\u01b0\u01a1ng c\u01a1 b\u1ea3n, ti\u1ec1n th\u01b0\u1edfng, hoa h\u1ed3ng, l\u1ee3i nhu\u1eadn kinh doanh ho\u1eb7c thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng nh\u01b0 cho thu\u00ea t\u00e0i s\u1ea3n, \u0111\u1ea7u t\u01b0.<\/p>\n

V\u00ed d\u1ee5: n\u1ebfu b\u1ea1n c\u00f3 thu nh\u1eadp 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng v\u00e0 ph\u1ea3i chi 6 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ec3 tr\u1ea3 n\u1ee3, DTI = (6 \/ 20) \u00d7 100% = 30%<\/strong>. Ngh\u0129a l\u00e0 b\u1ea1n \u0111ang d\u00f9ng 30% thu nh\u1eadp \u0111\u1ec3 thanh to\u00e1n n\u1ee3 \u2013 m\u1ee9c an to\u00e0n theo chu\u1ea9n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

T\u00ednh to\u00e1n DTI \u0111\u1ec1u \u0111\u1eb7n gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n, ph\u00e1t hi\u1ec7n s\u1edbm nguy c\u01a1 m\u1ea5t c\u00e2n \u0111\u1ed1i thu chi v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh k\u1ecbp th\u1eddi, \u0111\u1eb7c bi\u1ec7t tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd c\u00e1c kho\u1ea3n vay m\u1edbi.<\/p>\n

T\u1ef7 l\u1ec7 DTI bao nhi\u00eau l\u00e0 t\u1ed1t v\u00e0 vai tr\u00f2 trong x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 vay v\u1ed1n<\/h2>\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng d\u1ef1a v\u00e0o t\u1ef7 l\u1ec7 DTI<\/strong> \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh xem kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ec3 chi tr\u1ea3 kho\u1ea3n vay hay kh\u00f4ng. V\u1ec1 c\u01a1 b\u1ea3n, t\u1ef7 l\u1ec7 n\u00e0y c\u00e0ng th\u1ea5p th\u00ec kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t vay c\u00e0ng cao, v\u00ec n\u00f3 cho th\u1ea5y ng\u01b0\u1eddi vay c\u00f3 thu nh\u1eadp d\u01b0 d\u1ea3 so v\u1edbi ngh\u0129a v\u1ee5 n\u1ee3 ph\u1ea3i tr\u1ea3.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng, m\u1ee9c DTI \u0111\u01b0\u1ee3c xem l\u00e0 an to\u00e0n khi d\u01b0\u1edbi 40%<\/strong>, trong \u0111\u00f3:<\/p>\n

    \n
  • D\u01b0\u1edbi 20%: t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh, kh\u1ea3 n\u0103ng thanh to\u00e1n r\u1ea5t cao.<\/li>\n
  • 20\u201340%: m\u1ee9c h\u1ee3p l\u00fd, c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn vay v\u1edbi l\u00e3i su\u1ea5t t\u1ed1t.<\/li>\n
  • Tr\u00ean 50%: r\u1ee7i ro cao, d\u1ec5 b\u1ecb t\u1eeb ch\u1ed1i h\u1ed3 s\u01a1 ho\u1eb7c ph\u1ea3i ch\u1ecbu \u0111i\u1ec1u ki\u1ec7n vay kh\u1eaft khe h\u01a1n.<\/li>\n<\/ul>\n

    C\u00e1c ng\u00e2n h\u00e0ng c\u00f2n xem x\u00e9t DTI k\u1ebft h\u1ee3p v\u1edbi l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, thu nh\u1eadp \u1ed5n \u0111\u1ecbnh v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. N\u1ebfu kh\u00e1ch h\u00e0ng c\u00f3 l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3 t\u1ed1t v\u00e0 thu nh\u1eadp t\u0103ng \u0111\u1ec1u, DTI cao v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t.<\/p>\n

    Ngo\u00e0i ra, duy tr\u00ec t\u1ef7 l\u1ec7 DTI \u1edf m\u1ee9c th\u1ea5p kh\u00f4ng ch\u1ec9 gi\u00fap d\u1ec5 d\u00e0ng vay v\u1ed1n m\u00e0 c\u00f2n ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1 nh\u00e2n. Khi ng\u01b0\u1eddi vay ch\u1ee7 \u0111\u1ed9ng ki\u1ec3m so\u00e1t chi ti\u00eau, gi\u1ea3m n\u1ee3 x\u1ea5u v\u00e0 gi\u1eef c\u00e2n \u0111\u1ed1i thu chi, h\u1ecd s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 \u0111\u1ed9 tin c\u1eady cao \u2013 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ec3 x\u00e2y d\u1ef1ng uy t\u00edn t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/p>\n

    C\u00e1ch c\u1ea3i thi\u1ec7n DTI \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng vay v\u1ed1n<\/h2>\n

    \u0110\u1ec3 \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 cao v\u00e0 t\u0103ng kh\u1ea3 n\u0103ng ph\u00ea duy\u1ec7t h\u1ed3 s\u01a1, ng\u01b0\u1eddi vay c\u1ea7n ch\u1ee7 \u0111\u1ed9ng c\u1ea3i thi\u1ec7n DTI<\/strong> th\u00f4ng qua vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a c\u1ea3 thu nh\u1eadp v\u00e0 chi ti\u00eau. M\u1ee5c ti\u00eau l\u00e0 gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 so v\u1edbi t\u1ed5ng thu nh\u1eadp xu\u1ed1ng m\u1ee9c an to\u00e0n, gi\u00fap h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh tr\u1edf n\u00ean h\u1ea5p d\u1eabn h\u01a1n.<\/p>\n

    M\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ph\u00e1p hi\u1ec7u qu\u1ea3 g\u1ed3m:
    T\u0103ng thu nh\u1eadp \u1ed5n \u0111\u1ecbnh:<\/strong> c\u00f3 th\u1ec3 th\u00f4ng qua vi\u1ec7c l\u00e0m th\u00eam, kinh doanh nh\u1ecf, \u0111\u1ea7u t\u01b0 sinh l\u1eddi ho\u1eb7c nh\u1eadn th\u00eam hoa h\u1ed3ng, th\u01b0\u1edfng doanh s\u1ed1. Thu nh\u1eadp c\u00e0ng cao, m\u1eabu s\u1ed1 trong c\u00f4ng th\u1ee9c DTI c\u00e0ng l\u1edbn, t\u1eeb \u0111\u00f3 t\u1ef7 l\u1ec7 n\u00e0y s\u1ebd gi\u1ea3m \u0111\u00e1ng k\u1ec3.
    Gi\u1ea3m n\u1ee3 hi\u1ec7n t\u1ea1i:<\/strong> \u01b0u ti\u00ean thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 ng\u1eafn h\u1ea1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c vay ti\u00eau d\u00f9ng l\u00e3i su\u1ea5t cao. Khi t\u1ed5ng n\u1ee3 h\u00e0ng th\u00e1ng gi\u1ea3m, DTI s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n r\u00f5 r\u1ec7t.
    H\u1ea1n ch\u1ebf ph\u00e1t sinh kho\u1ea3n vay m\u1edbi:<\/strong> tr\u00e1nh m\u1edf th\u00eam c\u00e1c kho\u1ea3n vay nh\u1ecf l\u1ebb ho\u1eb7c mua tr\u1ea3 g\u00f3p khi ch\u01b0a th\u1eadt s\u1ef1 c\u1ea7n thi\u1ebft. M\u1ed7i ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 m\u1edbi s\u1ebd l\u00e0m t\u0103ng \u00e1p l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 khi\u1ebfn DTI x\u1ea5u \u0111i.
    Qu\u1ea3n l\u00fd chi ti\u00eau h\u1ee3p l\u00fd:<\/strong> l\u1eadp k\u1ebf ho\u1ea1ch ng\u00e2n s\u00e1ch h\u00e0ng th\u00e1ng, c\u00e2n \u0111\u1ed1i gi\u1eefa nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3, \u0111\u1ed3ng th\u1eddi duy tr\u00ec qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ec3 \u1ee9ng ph\u00f3 r\u1ee7i ro t\u00e0i ch\u00ednh.<\/p>\n

    M\u1ed9t DTI th\u1ea5p th\u1ec3 hi\u1ec7n s\u1ef1 ki\u1ec3m so\u00e1t t\u1ed1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, gi\u00fap ng\u01b0\u1eddi vay kh\u00f4ng ch\u1ec9 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c duy\u1ec7t h\u1ed3 s\u01a1 m\u00e0 c\u00f2n t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/p>\n

    S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa DTI v\u00e0 CIC<\/h2>\n

    Nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng nh\u1ea7m l\u1eabn DTI<\/strong> v\u1edbi CIC<\/strong>, tuy c\u1ea3 hai \u0111\u1ec1u \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng d\u00f9ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng vay v\u1ed1n nh\u01b0ng b\u1ea3n ch\u1ea5t ho\u00e0n to\u00e0n kh\u00e1c nhau.<\/p>\n

    DTI (Debt-to-Income Ratio)<\/strong> l\u00e0 ch\u1ec9 s\u1ed1 \u0111o l\u01b0\u1eddng m\u1ed1i quan h\u1ec7 gi\u1eefa n\u1ee3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng v\u00e0 t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng<\/strong>. N\u00f3 ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 g\u00e1nh n\u1ee3 hi\u1ec7n t\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, cho bi\u1ebft li\u1ec7u ng\u01b0\u1eddi vay c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng chi tr\u1ea3 kho\u1ea3n vay m\u1edbi hay kh\u00f4ng.<\/p>\n

    Trong khi \u0111\u00f3, CIC (Credit Information Center)<\/strong> l\u00e0 Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng Qu\u1ed1c gia Vi\u1ec7t Nam<\/strong>, n\u01a1i l\u01b0u tr\u1eef v\u00e0 cung c\u1ea5p d\u1eef li\u1ec7u v\u1ec1 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c. CIC th\u1ec3 hi\u1ec7n m\u1ee9c \u0111\u1ed9 uy t\u00edn trong thanh to\u00e1n n\u1ee3, bao g\u1ed3m c\u00e1c th\u00f4ng tin nh\u01b0: kho\u1ea3n vay \u0111ang t\u1ed3n t\u1ea1i, l\u1ecbch s\u1eed tr\u1ea3 n\u1ee3, th\u1eddi gian tr\u1ec5 h\u1ea1n v\u00e0 t\u00ecnh tr\u1ea1ng n\u1ee3 x\u1ea5u.<\/p>\n

    T\u00f3m l\u1ea1i, DTI t\u1eadp trung v\u00e0o kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 d\u1ef1a tr\u00ean thu nh\u1eadp hi\u1ec7n t\u1ea1i<\/strong>, c\u00f2n CIC ph\u1ea3n \u00e1nh l\u1ecbch s\u1eed t\u00edn d\u1ee5ng trong qu\u00e1 kh\u1ee9<\/strong>. Khi x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 vay v\u1ed1n, ng\u00e2n h\u00e0ng s\u1ebd k\u1ebft h\u1ee3p c\u1ea3 hai y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh to\u00e0n di\u1ec7n: DTI cho th\u1ea5y b\u1ea1n c\u00f3 th\u1ec3 tr\u1ea3 n\u1ee3 \u0111\u01b0\u1ee3c hay kh\u00f4ng, c\u00f2n CIC cho bi\u1ebft b\u1ea1n \u0111\u00e3 t\u1eebng tr\u1ea3 n\u1ee3 nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

    C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 DTI<\/h2>\n

    DTI bao nhi\u00eau th\u00ec \u0111\u01b0\u1ee3c vay ng\u00e2n h\u00e0ng?<\/em><\/strong>
    Th\u00f4ng th\u01b0\u1eddng, c\u00e1c ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn h\u1ed3 s\u01a1 vay khi DTI c\u1ee7a kh\u00e1ch h\u00e0ng d\u01b0\u1edbi 40%<\/strong>. M\u1ee9c n\u00e0y cho th\u1ea5y ng\u01b0\u1eddi vay c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 t\u1ed1t v\u00e0 \u00edt r\u1ee7i ro v\u1ec1 n\u1ee3 x\u1ea5u.<\/p>\n

    Ng\u00e2n h\u00e0ng t\u00ednh DTI d\u1ef1a tr\u00ean thu nh\u1eadp n\u00e0o?<\/em><\/strong>
    DTI \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng h\u1ee3p ph\u00e1p<\/strong>, g\u1ed3m l\u01b0\u01a1ng, hoa h\u1ed3ng, th\u01b0\u1edfng, thu nh\u1eadp kinh doanh, \u0111\u1ea7u t\u01b0 ho\u1eb7c cho thu\u00ea t\u00e0i s\u1ea3n.<\/p>\n

    DTI v\u00e0 n\u1ee3 x\u1ea5u c\u00f3 li\u00ean quan kh\u00f4ng?<\/em><\/strong>
    C\u00f3. Khi DTI qu\u00e1 cao, ng\u01b0\u1eddi vay d\u1ec5 tr\u1ec5 h\u1ea1n ho\u1eb7c m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n, t\u1eeb \u0111\u00f3 ph\u00e1t sinh n\u1ee3 x\u1ea5u tr\u00ean h\u1ec7 th\u1ed1ng CIC<\/strong>, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn uy t\u00edn t\u00edn d\u1ee5ng.<\/p>\n

    N\u1eafm b\u1eaft \u00fd ngh\u0129a c\u1ee7a DTI l\u00e0 g\u00ec<\/strong> gi\u00fap m\u1ed7i ng\u01b0\u1eddi ch\u1ee7 \u0111\u1ed9ng ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh v\u00e0 tr\u00e1nh r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng g\u00e1nh n\u1eb7ng n\u1ee3 n\u1ea7n. Khi t\u1ef7 l\u1ec7 n\u00e0y \u0111\u01b0\u1ee3c duy tr\u00ec \u1edf m\u1ee9c h\u1ee3p l\u00fd, b\u1ea1n kh\u00f4ng ch\u1ec9 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng ch\u1ea5p thu\u1eadn vay v\u1ed1n m\u00e0 c\u00f2n t\u1ea1o d\u1ef1ng uy t\u00edn t\u00edn d\u1ee5ng v\u1eefng m\u1ea1nh, m\u1edf ra nhi\u1ec1u c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n cho k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

    Tr\u00ed Nh\u00e2n<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u1ea3 n\u0103ng vay v\u1ed1n v\u00e0 duy tr\u00ec cu\u1ed9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh. Gi\u1eefa v\u00f4 …<\/p>\n","protected":false},"author":59,"featured_media":11429,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-11428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-kinh-te"],"_links":{"self":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/11428","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/users\/59"}],"replies":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/comments?post=11428"}],"version-history":[{"count":4,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/11428\/revisions"}],"predecessor-version":[{"id":17244,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/11428\/revisions\/17244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media\/11429"}],"wp:attachment":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media?parent=11428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/categories?post=11428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/tags?post=11428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}