{"id":10432,"date":"2024-01-19T10:00:28","date_gmt":"2024-01-19T03:00:28","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=10432"},"modified":"2026-10-28T10:46:40","modified_gmt":"2026-10-28T03:46:40","slug":"cach-tinh-lai-suat-ngan-hang","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/","title":{"rendered":"C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng: c\u00f4ng th\u1ee9c v\u00e0 c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i ti\u1ebft ki\u1ec7m"},"content":{"rendered":"<p><strong>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/strong> khi g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n r\u1ea5t \u0111\u01a1n gi\u1ea3n: ti\u1ec1n l\u00e3i b\u1eb1ng s\u1ed1 ti\u1ec1n g\u1eedi nh\u00e2n v\u1edbi l\u00e3i su\u1ea5t m\u1ed9t n\u0103m, r\u1ed3i nh\u00e2n v\u1edbi th\u1eddi gian g\u1eedi t\u00ednh theo n\u0103m. G\u1eedi theo th\u00e1ng th\u00ec l\u1ea5y s\u1ed1 th\u00e1ng chia 12, g\u1eedi theo ng\u00e0y th\u00ec l\u1ea5y s\u1ed1 ng\u00e0y chia 365. V\u00ed d\u1ee5 g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t 6%\/n\u0103m, k\u1ef3 h\u1ea1n 12 th\u00e1ng, tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3: 100.000.000 \u00d7 6% \u00d7 12\/12 = 6.000.000 \u0111\u1ed3ng. C\u00f4ng c\u1ee5 ngay b\u00ean d\u01b0\u1edbi gi\u00fap b\u1ea1n t\u00ednh cho s\u1ed1 ti\u1ec1n, l\u00e3i su\u1ea5t v\u00e0 k\u1ef3 h\u1ea1n c\u1ee7a ri\u00eang m\u00ecnh, c\u1ea3 ba c\u00e1ch tr\u1ea3 l\u00e3i ph\u1ed5 bi\u1ebfn.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" 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ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cong_thuc_tinh_lai_suat_ngan_hang\" >C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Vi_du_cach_tinh_lai_suat_ngan_hang\" >V\u00ed d\u1ee5 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cach_tinh_lai_suat_ngan_hang_12_thang_tra_lai_cuoi_ky\" >C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng 12 th\u00e1ng, tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cach_tinh_lai_suat_ngan_hang_6_thang\" >C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng 6 th\u00e1ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Tra_lai_hang_thang_va_nhap_goc\" >Tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng v\u00e0 nh\u1eadp g\u1ed1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cach_tinh_lai_suat_ngan_hang_theo_ngay\" >C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng theo ng\u00e0y<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cach_tinh_lai_suat_ngan_hang_theo_thang_va_theo_nam\" >C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng theo th\u00e1ng v\u00e0 theo n\u0103m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Tinh_tien_lai_theo_lai_suat_that_cua_cac_ngan_hang\" >T\u00ednh ti\u1ec1n l\u00e3i theo l\u00e3i su\u1ea5t th\u1eadt c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Nen_chon_cach_tra_lai_nao\" >N\u00ean ch\u1ecdn c\u00e1ch tr\u1ea3 l\u00e3i n\u00e0o<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Lai_suat_danh_nghia_va_lai_suat_thuc\" >L\u00e3i su\u1ea5t danh ngh\u0129a v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Gui_tiet_kiem_rut_truoc_han_tinh_lai_the_nao\" >G\u1eedi ti\u1ebft ki\u1ec7m r\u00fat tr\u01b0\u1edbc h\u1ea1n t\u00ednh l\u00e3i th\u1ebf n\u00e0o<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Lai_tien_gui_tiet_kiem_co_phai_dong_thue_khong\" >L\u00e3i ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ph\u1ea3i \u0111\u00f3ng thu\u1ebf kh\u00f4ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Nam_sai_lam_thuong_gap_khi_tinh_lai_suat_ngan_hang\" >N\u0103m sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Tien_nhan_roi_chua_can_gui_co_dinh_va_Tai_khoan_sinh_loi_cua_Infina\" >Ti\u1ec1n nh\u00e0n r\u1ed7i ch\u01b0a c\u1ea7n g\u1eedi c\u1ed1 \u0111\u1ecbnh v\u00e0 T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a Infina<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cau_hoi_thuong_gap_ve_cach_tinh_lai_suat_ngan_hang\" >C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cong_thuc_tinh_lai_suat_tiet_kiem_la_gi\" >C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Gui_100_trieu_lai_bao_nhieu_mot_thang\" >G\u1eedi 100 tri\u1ec7u l\u00e3i bao nhi\u00eau m\u1ed9t th\u00e1ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Tinh_lai_suat_theo_ngay_hay_theo_thang_chinh_xac_hon\" >T\u00ednh l\u00e3i su\u1ea5t theo ng\u00e0y hay theo th\u00e1ng ch\u00ednh x\u00e1c h\u01a1n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Lai_kep_khac_lai_don_the_nao\" >L\u00e3i k\u00e9p kh\u00e1c l\u00e3i \u0111\u01a1n th\u1ebf n\u00e0o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Cong_cu_tinh_lai_trong_bai_co_chinh_xac_khong\" >C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i trong b\u00e0i c\u00f3 ch\u00ednh x\u00e1c kh\u00f4ng?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Cong_cu_tinh_lai_suat_tiet_kiem\"><\/span>C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nh\u1eadp s\u1ed1 ti\u1ec1n, l\u00e3i su\u1ea5t (%\/n\u0103m), k\u1ef3 h\u1ea1n v\u00e0 c\u00e1ch tr\u1ea3 l\u00e3i, k\u1ebft qu\u1ea3 hi\u1ec7n ngay. B\u1ea1n c\u00f3 th\u1ec3 l\u1ea5y l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng \u0111ang ni\u00eam y\u1ebft \u1edf b\u1ea3ng so s\u00e1nh b\u00ean d\u01b0\u1edbi r\u1ed3i nh\u1eadp v\u00e0o \u0111\u00e2y, ho\u1eb7c th\u1eed nhi\u1ec1u m\u1ee9c \u0111\u1ec3 th\u1ea5y l\u00e3i thay \u0111\u1ed5i th\u1ebf n\u00e0o.<\/p>\n<style>.infina-ls table{width:100%;border-collapse:collapse;margin:12px 0}.infina-ls th,.infina-ls td{border:1px solid #d9dde3;padding:8px 10px;text-align:right}.infina-ls th:first-child,.infina-ls td:first-child{text-align:left}.infina-ls th{background:#f3f5f8}.infina-ls-scroll{overflow-x:auto}.infina-ls-sort th{cursor:pointer}.infina-ls-top th:nth-child(2),.infina-ls-top td:nth-child(2){text-align:left}.infina-ls-calc-box{margin:12px 0;padding:12px;border:1px solid #d9dde3;border-radius:8px}.infina-ls-calc-box input{width:11em;padding:6px 8px;margin-left:6px}.infina-ls-note{color:#5b6573}.infina-ls-tool{margin:14px 0;padding:14px;border:1px solid #d9dde3;border-radius:8px;background:#fafbfc}.infina-ls-tool label{display:block;margin:10px 0 3px;font-weight:600}.infina-ls-tool input,.infina-ls-tool select{padding:8px 10px;width:100%;max-width:360px;box-sizing:border-box;font-size:16px}.infina-ls-tool .t-term{width:60%;max-width:200px}.infina-ls-tool .t-unit{width:35%;max-width:150px;margin-left:6px}.infina-ls-tool .t-go{margin-top:12px;padding:9px 18px;border:0;border-radius:6px;background:#1664d9;color:#fff;font-size:16px;cursor:pointer}.infina-ls-tool .t-result{margin-top:12px}.infina-ls-tool-row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px solid #eceff3}.infina-ls-tool-row.strong{font-weight:700;font-size:1.05em}.infina-ls .infina-ls-own td{background:#fff7e6;font-weight:600}.infina-ls .infina-ls-own small{display:block;font-weight:400;color:#5b6573}<\/style><div class=\"infina-ls-tool\" id=\"infina-tool-504bb0\"><label>S\u1ed1 ti\u1ec1n g\u1eedi (\u0111\u1ed3ng)<input class=\"t-amount\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" value=\"100.000.000\"><\/label><label>L\u00e3i su\u1ea5t (%\/n\u0103m)<input class=\"t-rate\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"6\"><\/label><label>K\u1ef3 h\u1ea1n<br><input class=\"t-term\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"12\"><select class=\"t-unit\"><option value=\"m\" selected>th\u00e1ng<\/option><option value=\"d\">ng\u00e0y<\/option><\/select><\/label><label>C\u00e1ch tr\u1ea3 l\u00e3i<select class=\"t-mode\"><option value=\"end\" selected>Tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3<\/option><option value=\"month\">Tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng<\/option><option value=\"comp\">Nh\u1eadp g\u1ed1c h\u00e0ng th\u00e1ng (l\u00e3i k\u00e9p)<\/option><\/select><\/label><button type=\"button\" class=\"t-go\">T\u00ednh l\u00e3i<\/button><div class=\"t-result\" aria-live=\"polite\"><\/div><p class=\"infina-ls-note\"><small>K\u1ebft qu\u1ea3 l\u00e0 \u01b0\u1edbc t\u00ednh \u0111\u1ec3 tham kh\u1ea3o: k\u1ef3 h\u1ea1n th\u00e1ng t\u00ednh theo s\u1ed1 th\u00e1ng chia 12, k\u1ef3 h\u1ea1n ng\u00e0y t\u00ednh theo s\u1ed1 ng\u00e0y chia 365. 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Trong \u0111\u00f3 P l\u00e0 s\u1ed1 ti\u1ec1n g\u1ed1c, r l\u00e0 l\u00e3i su\u1ea5t m\u1ed9t n\u0103m (vi\u1ebft d\u01b0\u1edbi d\u1ea1ng th\u1eadp ph\u00e2n, v\u00ed d\u1ee5 6% l\u00e0 0,06), n l\u00e0 s\u1ed1 th\u00e1ng g\u1eedi.<\/p>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>C\u00e1ch t\u00ednh<\/th>\n<th>C\u00f4ng th\u1ee9c<\/th>\n<th>Khi n\u00e0o d\u00f9ng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i \u0111\u01a1n, k\u1ef3 h\u1ea1n t\u00ednh theo th\u00e1ng, tr\u1ea3 cu\u1ed1i k\u1ef3<\/td>\n<td>Ti\u1ec1n l\u00e3i = P \u00d7 r \u00d7 n \/ 12<\/td>\n<td>G\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i \u0111\u01a1n, t\u00ednh theo s\u1ed1 ng\u00e0y<\/td>\n<td>Ti\u1ec1n l\u00e3i = P \u00d7 r \u00d7 s\u1ed1 ng\u00e0y g\u1eedi \/ 365<\/td>\n<td>G\u1eedi theo s\u1ed1 ng\u00e0y, r\u00fat tr\u01b0\u1edbc h\u1ea1n, t\u00ednh l\u00e3i kh\u00f4ng k\u1ef3 h\u1ea1n<\/td>\n<\/tr>\n<tr>\n<td>Tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng<\/td>\n<td>L\u00e3i m\u1ed7i th\u00e1ng = P \u00d7 r \/ 12; t\u1ed5ng l\u00e3i = l\u00e3i m\u1ed7i th\u00e1ng \u00d7 n<\/td>\n<td>Mu\u1ed1n nh\u1eadn l\u00e3i \u0111\u1ec1u m\u1ed7i th\u00e1ng, g\u1ed1c gi\u1eef \u0111\u1ebfn cu\u1ed1i k\u1ef3<\/td>\n<\/tr>\n<tr>\n<td>Nh\u1eadp g\u1ed1c h\u00e0ng th\u00e1ng (l\u00e3i k\u00e9p)<\/td>\n<td>T\u1ed5ng nh\u1eadn = P \u00d7 (1 + r\/12)<sup>n<\/sup>; ti\u1ec1n l\u00e3i = t\u1ed5ng nh\u1eadn \u2212 P<\/td>\n<td>L\u00e3i \u0111\u01b0\u1ee3c c\u1ed9ng v\u00e0o g\u1ed1c \u0111\u1ec3 sinh l\u00e3i ti\u1ebfp<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>C\u00e1ch t\u00ednh ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 hai c\u00f4ng th\u1ee9c \u0111\u1ea7u. H\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ebft ki\u1ec7m th\u01b0\u1eddng ghi r\u00f5 ng\u00e2n h\u00e0ng t\u00ednh theo s\u1ed1 ng\u00e0y th\u1ef1c t\u1ebf chia 365 hay theo s\u1ed1 th\u00e1ng chia 12, v\u00e0 k\u1ebft qu\u1ea3 c\u00f3 th\u1ec3 ch\u00eanh v\u00e0i ngh\u00ecn \u0111\u1ebfn v\u00e0i ch\u1ee5c ngh\u00ecn \u0111\u1ed3ng t\u00f9y c\u00e1ch l\u00e0m tr\u00f2n. C\u00f4ng c\u1ee5 tr\u00ean d\u00f9ng c\u00e1ch th\u00f4ng d\u1ee5ng: k\u1ef3 h\u1ea1n th\u00e1ng chia 12, k\u1ef3 h\u1ea1n ng\u00e0y chia 365.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vi_du_cach_tinh_lai_suat_ngan_hang\"><\/span>V\u00ed d\u1ee5 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>B\u1ed1n v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y d\u00f9ng l\u00e3i su\u1ea5t gi\u1ea3 \u0111\u1ecbnh \u0111\u1ec3 minh h\u1ecda c\u00f4ng th\u1ee9c, kh\u00f4ng ph\u1ea3i l\u00e3i su\u1ea5t c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3. L\u00e3i su\u1ea5t th\u1eadt xem \u1edf ph\u1ea7n sau.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_tinh_lai_suat_ngan_hang_12_thang_tra_lai_cuoi_ky\"><\/span>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng 12 th\u00e1ng, tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>G\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t 6%\/n\u0103m, k\u1ef3 h\u1ea1n 12 th\u00e1ng: ti\u1ec1n l\u00e3i = 100.000.000 \u00d7 0,06 \u00d7 12\/12 = <strong>6.000.000 \u0111\u1ed3ng<\/strong>. Cu\u1ed1i k\u1ef3 b\u1ea1n nh\u1eadn 106.000.000 \u0111\u1ed3ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_tinh_lai_suat_ngan_hang_6_thang\"><\/span>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng 6 th\u00e1ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>G\u1eedi 200 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t 5%\/n\u0103m, k\u1ef3 h\u1ea1n 6 th\u00e1ng: ti\u1ec1n l\u00e3i = 200.000.000 \u00d7 0,05 \u00d7 6\/12 = <strong>5.000.000 \u0111\u1ed3ng<\/strong>. K\u1ef3 h\u1ea1n ng\u1eafn h\u01a1n th\u00ec ch\u1ec9 nh\u00e2n v\u1edbi s\u1ed1 th\u00e1ng g\u1eedi, kh\u00f4ng ph\u1ea3i nh\u00e2n c\u1ea3 n\u0103m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tra_lai_hang_thang_va_nhap_goc\"><\/span>Tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng v\u00e0 nh\u1eadp g\u1ed1c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00f9ng 100 tri\u1ec7u \u0111\u1ed3ng, 6%\/n\u0103m, 12 th\u00e1ng: n\u1ebfu tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng b\u1ea1n nh\u1eadn 100.000.000 \u00d7 0,06 \/ 12 = <strong>500.000 \u0111\u1ed3ng m\u1ed7i th\u00e1ng<\/strong>, t\u1ed5ng 6.000.000 \u0111\u1ed3ng v\u00e0 nh\u1eadn l\u1ea1i g\u1ed1c cu\u1ed1i k\u1ef3. N\u1ebfu nh\u1eadp g\u1ed1c h\u00e0ng th\u00e1ng, t\u1ed5ng nh\u1eadn = 100.000.000 \u00d7 (1 + 0,06\/12)<sup>12<\/sup> \u2248 106.167.781 \u0111\u1ed3ng, ti\u1ec1n l\u00e3i kho\u1ea3ng <strong>6.167.781 \u0111\u1ed3ng<\/strong>. Ph\u1ea7n ch\u00eanh 167.781 \u0111\u1ed3ng so v\u1edbi l\u00e3i cu\u1ed1i k\u1ef3 l\u00e0 l\u00e3i sinh ra t\u1eeb l\u00e3i, t\u00ecm hi\u1ec3u th\u00eam \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/\">l\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_tinh_lai_suat_ngan_hang_theo_ngay\"><\/span>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng theo ng\u00e0y<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>G\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t 5%\/n\u0103m trong 90 ng\u00e0y: ti\u1ec1n l\u00e3i = 100.000.000 \u00d7 0,05 \u00d7 90\/365 \u2248 <strong>1.232.877 \u0111\u1ed3ng<\/strong>. C\u00e1ch n\u00e0y c\u0169ng d\u00f9ng khi b\u1ea1n mu\u1ed1n bi\u1ebft l\u00e3i c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e0y c\u1ee5 th\u1ec3, v\u00ed d\u1ee5 l\u00e3i t\u00ednh \u0111\u1ebfn l\u00fac r\u00fat tr\u01b0\u1edbc h\u1ea1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_tinh_lai_suat_ngan_hang_theo_thang_va_theo_nam\"><\/span>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng theo th\u00e1ng v\u00e0 theo n\u0103m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft lu\u00f4n l\u00e0 l\u00e3i su\u1ea5t m\u1ed9t n\u0103m (%\/n\u0103m), k\u1ec3 c\u1ea3 khi k\u1ef3 h\u1ea1n g\u1eedi ch\u1ec9 l\u00e0 1 hay 3 th\u00e1ng. Mu\u1ed1n ra ti\u1ec1n l\u00e3i theo th\u00e1ng, b\u1ea1n l\u1ea5y l\u00e3i su\u1ea5t n\u0103m chia 12 ho\u1eb7c nh\u00e2n v\u1edbi s\u1ed1 th\u00e1ng g\u1eedi r\u1ed3i chia 12. V\u00ed d\u1ee5 g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 1 th\u00e1ng v\u1edbi l\u00e3i su\u1ea5t 4%\/n\u0103m: 100.000.000 \u00d7 0,04 \/ 12 \u2248 333.333 \u0111\u1ed3ng. Nh\u1ea7m l\u00e3i su\u1ea5t n\u0103m th\u00e0nh l\u00e3i su\u1ea5t th\u00e1ng l\u00e0 l\u1ed7i hay g\u1eb7p nh\u1ea5t, xem th\u00eam \u1edf ph\u1ea7n sai l\u1ea7m b\u00ean d\u01b0\u1edbi.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tinh_tien_lai_theo_lai_suat_that_cua_cac_ngan_hang\"><\/span>T\u00ednh ti\u1ec1n l\u00e3i theo l\u00e3i su\u1ea5t th\u1eadt c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi \u0111\u00e3 bi\u1ebft c\u00f4ng th\u1ee9c, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 ch\u1ecdn ng\u00e2n h\u00e0ng. B\u1ea3ng d\u01b0\u1edbi t\u00ednh s\u1eb5n ti\u1ec1n l\u00e3i n\u1ebfu b\u1ea1n g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng \u1edf c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ni\u00eam y\u1ebft l\u00e3i su\u1ea5t cao nh\u1ea5t, theo s\u1ed1 li\u1ec7u t\u1ef1 c\u1eadp nh\u1eadt m\u1ed7i ng\u00e0y. B\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ed5i s\u1ed1 ti\u1ec1n \u1edf \u00f4 nh\u1eadp \u0111\u1ec3 b\u1ea3ng t\u00ednh l\u1ea1i.<\/p>\n<div class=\"infina-ls\"><p><strong>G\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng l\u00e3i bao nhi\u00eau?<\/strong> V\u1edbi l\u00e3i su\u1ea5t ni\u00eam y\u1ebft cao nh\u1ea5t hi\u1ec7n nay trong c\u00e1c ng\u00e2n h\u00e0ng Infina theo d\u00f5i, ti\u1ec1n l\u00e3i \u01b0\u1edbc t\u00ednh nh\u01b0 sau:<\/p><form class=\"infina-ls-calc-box\" onsubmit=\"return false\"><label>S\u1ed1 ti\u1ec1n g\u1eedi (VND): <input type=\"number\" min=\"1000000\" step=\"1000000\" value=\"100000000\"><\/label><\/form><div class=\"infina-ls-scroll\"><table><thead><tr><th>Ng\u00e2n h\u00e0ng<\/th><th>L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th><th>Ti\u1ec1n l\u00e3i (VND)<\/th><th>T\u1ed5ng nh\u1eadn cu\u1ed1i k\u1ef3 (VND)<\/th><\/tr><\/thead><tbody><tr data-rate=\"7\" data-months=\"12\"><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-mbv\/\">MBV<\/a><\/td><td>7%<\/td><td class=\"infina-ls-int\">7.000.000<\/td><td class=\"infina-ls-tot\">107.000.000<\/td><\/tr><tr data-rate=\"6.7\" data-months=\"12\"><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-lpbank\/\">LPBank<\/a><\/td><td>6,7%<\/td><td class=\"infina-ls-int\">6.700.000<\/td><td class=\"infina-ls-tot\">106.700.000<\/td><\/tr><tr data-rate=\"6.7\" data-months=\"12\"><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-saigonbank\/\">Saigonbank<\/a><\/td><td>6,7%<\/td><td class=\"infina-ls-int\">6.700.000<\/td><td class=\"infina-ls-tot\">106.700.000<\/td><\/tr><tr data-rate=\"6.7\" data-months=\"12\"><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-vpbank\/\">VPBank<\/a><\/td><td>6,7%<\/td><td class=\"infina-ls-int\">6.700.000<\/td><td class=\"infina-ls-tot\">106.700.000<\/td><\/tr><tr data-rate=\"6.6\" data-months=\"12\"><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-bac-a\/\">Bac A Bank<\/a><\/td><td>6,6%<\/td><td class=\"infina-ls-int\">6.600.000<\/td><td class=\"infina-ls-tot\">106.600.000<\/td><\/tr><\/tbody><\/table><\/div><p class=\"infina-ls-note\"><small>Ngu\u1ed3n: l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m tr\u1ef1c tuy\u1ebfn (online) do Infina t\u1ed5ng h\u1ee3p t\u1ef1 \u0111\u1ed9ng, c\u1eadp nh\u1eadt l\u00fac 12:01 28\/10\/2026. Ti\u1ec1n l\u00e3i t\u00ednh theo l\u00e3i \u0111\u01a1n tr\u1ea3 cu\u1ed1i k\u1ef3: s\u1ed1 ti\u1ec1n x l\u00e3i su\u1ea5t x s\u1ed1 th\u00e1ng \/ 12. S\u1ed1 li\u1ec7u ch\u1ec9 mang t\u00ednh tham kh\u1ea3o, l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 kh\u00e1c theo h\u00ecnh th\u1ee9c g\u1eedi, s\u1ed1 ti\u1ec1n v\u00e0 th\u1eddi \u0111i\u1ec3m. Vui l\u00f2ng ki\u1ec3m tra l\u1ea1i tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi g\u1eedi.<\/small><\/p><\/div><script>(function(){function f(n){return Math.round(n).toLocaleString(\"vi-VN\")}function calc(box){var a=parseFloat(box.querySelector(\"input\").value);if(!(a>=0))return;box.parentNode.querySelectorAll(\"tr[data-rate]\").forEach(function(tr){var r=parseFloat(tr.dataset.rate),m=parseFloat(tr.dataset.months);var i=a*r\/100*m\/12;tr.querySelector(\".infina-ls-int\").textContent=f(i);var t=tr.querySelector(\".infina-ls-tot\");if(t)t.textContent=f(a+i)})}document.addEventListener(\"input\",function(e){var b=e.target.closest&&e.target.closest(\".infina-ls-calc-box\");if(b)calc(b)});document.addEventListener(\"click\",function(e){var th=e.target.closest&&e.target.closest(\".infina-ls-sort th\");if(!th)return;var tb=th.closest(\"table\"),i=th.cellIndex,rows=[].slice.call(tb.tBodies[0].rows).filter(function(r){return !r.dataset.pin}),asc=th.dataset.asc!==\"1\";th.parentNode.querySelectorAll(\"th\").forEach(function(x){x.dataset.asc=\"\"});th.dataset.asc=asc?\"1\":\"\";rows.sort(function(x,y){var p=x.cells[i],q=y.cells[i];var a=p.dataset.v!==undefined?parseFloat(p.dataset.v):p.textContent;var b=q.dataset.v!==undefined?parseFloat(q.dataset.v):q.textContent;if(typeof a===\"number\"){if(a<0)return 1;if(b<0)return -1;return asc?a-b:b-a}return asc?String(a).localeCompare(b,\"vi\"):String(b).localeCompare(a,\"vi\")});rows.forEach(function(r){tb.tBodies[0].appendChild(r)})});})();<\/script>\n<p>\u0110\u1ec3 xem \u0111\u1ee7 c\u00e1c k\u1ef3 h\u1ea1n v\u00e0 so s\u00e1nh t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng, \u0111\u1ecdc b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng n\u00e0o cao nh\u1ea5t<\/a>. N\u1ebfu b\u1ea1n quan t\u00e2m m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3, xem b\u1ea3ng l\u00e3i su\u1ea5t k\u00e8m ti\u1ec1n l\u00e3i g\u1eedi 50 tri\u1ec7u \u0111\u1ebfn 1 t\u1ef7 \u1edf <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-agribank\/\">l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Agribank<\/a>, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-vietcombank\/\">l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Vietcombank<\/a>, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-techcombank\/\">l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng Techcombank<\/a> ho\u1eb7c <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-acb\/\">l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ACB<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nen_chon_cach_tra_lai_nao\"><\/span>N\u00ean ch\u1ecdn c\u00e1ch tr\u1ea3 l\u00e3i n\u00e0o<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>C\u00e1ch tr\u1ea3 l\u00e3i<\/th>\n<th>\u01afu \u0111i\u1ec3m<\/th>\n<th>\u0110i\u1ec1u c\u1ea7n l\u01b0u \u00fd<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3<\/td>\n<td>D\u1ec5 t\u00ednh, th\u01b0\u1eddng l\u00e0 c\u00e1ch ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft l\u00e3i su\u1ea5t<\/td>\n<td>Ch\u1ec9 nh\u1eadn l\u00e3i khi \u0111\u1ebfn h\u1ea1n, ti\u1ec1n l\u00e3i kh\u00f4ng sinh th\u00eam l\u00e3i<\/td>\n<\/tr>\n<tr>\n<td>Tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng<\/td>\n<td>C\u00f3 d\u00f2ng ti\u1ec1n \u0111\u1ec1u m\u1ed7i th\u00e1ng<\/td>\n<td>L\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho h\u00ecnh th\u1ee9c n\u00e0y \u0111\u00f4i khi th\u1ea5p h\u01a1n tr\u1ea3 cu\u1ed1i k\u1ef3, h\u00e3y h\u1ecfi r\u00f5 ng\u00e2n h\u00e0ng<\/td>\n<\/tr>\n<tr>\n<td>Nh\u1eadp g\u1ed1c h\u00e0ng th\u00e1ng<\/td>\n<td>L\u00e3i sinh l\u00e3i, t\u1ed5ng nh\u1eadn cao h\u01a1n m\u1ed9t ch\u00fat<\/td>\n<td>Kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng hay s\u1ea3n ph\u1ea9m n\u00e0o c\u0169ng cho nh\u1eadp l\u00e3i h\u00e0ng th\u00e1ng v\u00e0o g\u1ed1c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3 l\u00e0 c\u00e1ch ph\u1ed5 bi\u1ebfn v\u00e0 d\u1ec5 t\u00ednh nh\u1ea5t. N\u1ebfu c\u1ea7n ti\u1ec1n chi ti\u00eau \u0111\u1ec1u \u0111\u1eb7n th\u00ec ch\u1ecdn tr\u1ea3 l\u00e3i h\u00e0ng th\u00e1ng, c\u00f2n n\u1ebfu \u0111\u1ec3 d\u00e0i h\u1ea1n v\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng l\u00e3i th\u00ec nh\u1eadp g\u1ed1c cho t\u1ed5ng nh\u1eadn cao h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_danh_nghia_va_lai_suat_thuc\"><\/span>L\u00e3i su\u1ea5t danh ngh\u0129a v\u00e0 l\u00e3i su\u1ea5t th\u1ef1c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft l\u00e0 <strong>l\u00e3i su\u1ea5t danh ngh\u0129a<\/strong>. Hai kh\u00e1i ni\u1ec7m hay b\u1ecb nh\u1ea7m v\u1edbi n\u00f3 l\u00e0:<\/p>\n<ul>\n<li><strong>L\u00e3i su\u1ea5t hi\u1ec7u d\u1ee5ng<\/strong> (l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf trong m\u1ed9t n\u0103m khi l\u00e3i \u0111\u01b0\u1ee3c nh\u1eadp g\u1ed1c): (1 + r\/12)<sup>12<\/sup> \u2212 1. V\u1edbi r = 6%, l\u00e3i su\u1ea5t hi\u1ec7u d\u1ee5ng kho\u1ea3ng 6,17%\/n\u0103m. C\u00f4ng c\u1ee5 \u1edf \u0111\u1ea7u b\u00e0i hi\u1ec3n th\u1ecb con s\u1ed1 n\u00e0y khi b\u1ea1n ch\u1ecdn nh\u1eadp g\u1ed1c h\u00e0ng th\u00e1ng.<\/li>\n<li><strong>L\u00e3i su\u1ea5t th\u1ef1c<\/strong> (\u0111\u00e3 tr\u1eeb l\u1ea1m ph\u00e1t): x\u1ea5p x\u1ec9 b\u1eb1ng l\u00e3i su\u1ea5t danh ngh\u0129a tr\u1eeb t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t. Khi l\u1ea1m ph\u00e1t cao h\u01a1n l\u00e3i su\u1ea5t g\u1eedi th\u00ec l\u00e3i su\u1ea5t th\u1ef1c \u00e2m, ti\u1ec1n g\u1eedi m\u1ea5t s\u1ee9c mua d\u00f9 s\u1ed1 d\u01b0 v\u1eabn t\u0103ng.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Gui_tiet_kiem_rut_truoc_han_tinh_lai_the_nao\"><\/span>G\u1eedi ti\u1ebft ki\u1ec7m r\u00fat tr\u01b0\u1edbc h\u1ea1n t\u00ednh l\u00e3i th\u1ebf n\u00e0o<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi r\u00fat tr\u01b0\u1edbc h\u1ea1n, b\u1ea1n th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n \u0111\u00e3 ch\u1ecdn m\u00e0 ch\u1ec9 nh\u1eadn l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n t\u00ednh tr\u00ean s\u1ed1 ng\u00e0y th\u1ef1c g\u1eedi: ti\u1ec1n l\u00e3i = P \u00d7 l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n \u00d7 s\u1ed1 ng\u00e0y g\u1eedi \/ 365. V\u00ed d\u1ee5 g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng l\u00e3i 6%\/n\u0103m nh\u01b0ng r\u00fat sau 120 ng\u00e0y, n\u1ebfu \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n gi\u1ea3 \u0111\u1ecbnh 0,5%\/n\u0103m th\u00ec l\u00e3i ch\u1ec9 kho\u1ea3ng 164.384 \u0111\u1ed3ng (100.000.000 \u00d7 0,005 \u00d7 120\/365), so v\u1edbi kho\u1ea3ng 1.972.603 \u0111\u1ed3ng n\u1ebfu ti\u1ec1n \u0111\u01b0\u1ee3c t\u00ednh \u1edf m\u1ee9c 6%\/n\u0103m trong 120 ng\u00e0y \u0111\u00f3. Quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 kh\u00e1c nhau theo t\u1eebng ng\u00e2n h\u00e0ng, \u0111\u1ecdc <a href=\"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/\">ch\u00ednh s\u00e1ch r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n<\/a> v\u00e0 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lai_tien_gui_tiet_kiem_co_phai_dong_thue_khong\"><\/span>L\u00e3i ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 ph\u1ea3i \u0111\u00f3ng thu\u1ebf kh\u00f4ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, l\u00e3i ti\u1ec1n g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n (xem <a href=\"https:\/\/thuvienphapluat.vn\/ma-so-thue\/phap-luat-thue\/tien-lai-gui-ngan-hang-co-phai-chiu-thue-thu-nhap-ca-nhan-khong-685580-176842.html\" target=\"_blank\" rel=\"noopener\">Th\u01b0 Vi\u1ec7n Ph\u00e1p Lu\u1eadt<\/a>), n\u00ean s\u1ed1 ti\u1ec1n l\u00e3i b\u1ea1n t\u00ednh \u0111\u01b0\u1ee3c \u1edf tr\u00ean l\u00e0 s\u1ed1 th\u1ef1c nh\u1eadn, ch\u01b0a ph\u1ea3i tr\u1eeb thu\u1ebf. Chi ti\u1ebft h\u01a1n \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/\">l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u00f3 ch\u1ecbu thu\u1ebf kh\u00f4ng<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nam_sai_lam_thuong_gap_khi_tinh_lai_suat_ngan_hang\"><\/span>N\u0103m sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Nh\u1ea7m l\u00e3i su\u1ea5t n\u0103m v\u1edbi l\u00e3i su\u1ea5t th\u00e1ng.<\/strong> L\u00e3i su\u1ea5t ni\u00eam y\u1ebft l\u00e0 %\/n\u0103m, mu\u1ed1n ra l\u00e3i m\u1ed9t th\u00e1ng ph\u1ea3i chia 12.<\/li>\n<li><strong>So s\u00e1nh l\u00e3i su\u1ea5t \u1edf hai k\u1ef3 h\u1ea1n kh\u00e1c nhau.<\/strong> 6%\/n\u0103m cho 12 th\u00e1ng kh\u00f4ng so \u0111\u01b0\u1ee3c tr\u1ef1c ti\u1ebfp v\u1edbi 5,5%\/n\u0103m cho 6 th\u00e1ng n\u1ebfu b\u1ea1n ch\u1ec9 c\u1ea7n gi\u1eef ti\u1ec1n 6 th\u00e1ng.<\/li>\n<li><strong>Qu\u00ean r\u1eb1ng r\u00fat tr\u01b0\u1edbc h\u1ea1n ch\u1ec9 h\u01b0\u1edfng l\u00e3i th\u1ea5p.<\/strong> Kho\u1ea3n l\u00e3i d\u1ef1 t\u00ednh c\u00f3 th\u1ec3 gi\u1ea3m m\u1ea1nh n\u1ebfu b\u1ea1n ph\u1ea3i r\u00fat s\u1edbm.<\/li>\n<li><strong>B\u1ecf qua c\u00e1ch tr\u1ea3 l\u00e3i.<\/strong> Tr\u1ea3 cu\u1ed1i k\u1ef3, h\u00e0ng th\u00e1ng hay nh\u1eadp g\u1ed1c cho t\u1ed5ng nh\u1eadn kh\u00e1c nhau, c\u1ea7n so c\u00f9ng m\u1ed9t c\u00e1ch tr\u1ea3.<\/li>\n<li><strong>L\u1ea5y l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i l\u00e0m l\u00e3i su\u1ea5t chung.<\/strong> M\u1ee9c b\u1ea1n nh\u1eadn c\u00f3 th\u1ec3 kh\u00e1c t\u00f9y s\u1ed1 ti\u1ec1n, k\u00eanh g\u1eedi v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i, h\u00e3y \u0111\u1ed1i chi\u1ebfu tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\n<\/ol>\n<p>B\u00e0i <a href=\"https:\/\/infina.vn\/blog\/5-sai-lam-thuong-gap-khi-tinh-lai-suat-ngan-hang\/\">5 sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a> ph\u00e2n t\u00edch k\u1ef9 h\u01a1n t\u1eebng l\u1ed7i. N\u1ebfu b\u1ea1n g\u1eedi theo ki\u1ec3u l\u00e3i t\u00ednh h\u00e0ng ng\u00e0y, xem th\u00eam <a href=\"https:\/\/infina.vn\/blog\/lai-suat-hang-ngay-cach-tinh-va-quan-ly-tc\/\">l\u00e3i su\u1ea5t h\u00e0ng ng\u00e0y: c\u00e1ch t\u00ednh v\u00e0 qu\u1ea3n l\u00fd<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tien_nhan_roi_chua_can_gui_co_dinh_va_Tai_khoan_sinh_loi_cua_Infina\"><\/span>Ti\u1ec1n nh\u00e0n r\u1ed7i ch\u01b0a c\u1ea7n g\u1eedi c\u1ed1 \u0111\u1ecbnh v\u00e0 T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a Infina<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>G\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n cho l\u00e3i su\u1ea5t cao h\u01a1n kh\u00f4ng k\u1ef3 h\u1ea1n nh\u01b0ng b\u1ea1n ph\u1ea3i \u0111\u1ec3 ti\u1ec1n \u0111\u1ebfn h\u1ebft k\u1ef3. N\u1ebfu c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i mu\u1ed1n sinh l\u1eddi m\u00e0 v\u1eabn r\u00fat \u0111\u01b0\u1ee3c linh ho\u1ea1t, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o <a href=\"https:\/\/infina.vn\/tai-khoan-sinh-loi\">sinh l\u1eddi m\u1ed7i ng\u00e0y v\u1edbi Infina<\/a>: l\u1ee3i nhu\u1eadn \u0111\u01b0\u1ee3c ghi nh\u1eadn m\u1ed7i ng\u00e0y v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 n\u1ea1p r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o theo m\u00f4 t\u1ea3 tr\u00ean trang s\u1ea3n ph\u1ea9m. \u0110\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m kh\u00e1c v\u1edbi g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng, h\u00e3y \u0111\u1ecdc \u0111i\u1ec1u kho\u1ea3n v\u00e0 m\u1ee9c sinh l\u1eddi hi\u1ec7n t\u1ea1i tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap_ve_cach_tinh_lai_suat_ngan_hang\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Cong_thuc_tinh_lai_suat_tiet_kiem_la_gi\"><\/span>C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V\u1edbi l\u00e3i \u0111\u01a1n tr\u1ea3 cu\u1ed1i k\u1ef3: ti\u1ec1n l\u00e3i = s\u1ed1 ti\u1ec1n g\u1eedi \u00d7 l\u00e3i su\u1ea5t (%\/n\u0103m) \u00d7 s\u1ed1 th\u00e1ng g\u1eedi \/ 12. N\u1ebfu t\u00ednh theo ng\u00e0y th\u00ec thay s\u1ed1 th\u00e1ng\/12 b\u1eb1ng s\u1ed1 ng\u00e0y\/365.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Gui_100_trieu_lai_bao_nhieu_mot_thang\"><\/span>G\u1eedi 100 tri\u1ec7u l\u00e3i bao nhi\u00eau m\u1ed9t th\u00e1ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ph\u1ee5 thu\u1ed9c l\u00e3i su\u1ea5t. V\u00ed d\u1ee5 l\u00e3i su\u1ea5t 4%\/n\u0103m th\u00ec m\u1ed7i th\u00e1ng l\u00e3i kho\u1ea3ng 333.333 \u0111\u1ed3ng, l\u00e3i su\u1ea5t 6%\/n\u0103m th\u00ec kho\u1ea3ng 500.000 \u0111\u1ed3ng. Xem l\u00e3i su\u1ea5t \u0111ang ni\u00eam y\u1ebft \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">ng\u00e2n h\u00e0ng n\u00e0o l\u00e3i su\u1ea5t cao nh\u1ea5t<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tinh_lai_suat_theo_ngay_hay_theo_thang_chinh_xac_hon\"><\/span>T\u00ednh l\u00e3i su\u1ea5t theo ng\u00e0y hay theo th\u00e1ng ch\u00ednh x\u00e1c h\u01a1n?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u1ea3 hai \u0111\u1ec1u d\u00f9ng \u0111\u01b0\u1ee3c. K\u1ef3 h\u1ea1n theo th\u00e1ng th\u01b0\u1eddng t\u00ednh b\u1eb1ng s\u1ed1 th\u00e1ng chia 12, c\u00f2n khi c\u1ea7n bi\u1ebft l\u00e3i c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e0y c\u1ee5 th\u1ec3 (v\u00ed d\u1ee5 r\u00fat tr\u01b0\u1edbc h\u1ea1n) th\u00ec d\u00f9ng s\u1ed1 ng\u00e0y chia 365. K\u1ebft qu\u1ea3 c\u00f3 th\u1ec3 l\u1ec7ch nh\u1eb9 do c\u00e1ch l\u00e0m tr\u00f2n c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_kep_khac_lai_don_the_nao\"><\/span>L\u00e3i k\u00e9p kh\u00e1c l\u00e3i \u0111\u01a1n th\u1ebf n\u00e0o?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L\u00e3i \u0111\u01a1n ch\u1ec9 t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u. L\u00e3i k\u00e9p nh\u1eadp l\u00e3i v\u00e0o g\u1ed1c theo t\u1eebng k\u1ef3 n\u00ean l\u00e3i k\u1ef3 sau \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i \u0111\u00e3 nh\u1eadp. T\u00ecm hi\u1ec3u th\u00eam \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-kep-la-gi\/\">l\u00e3i su\u1ea5t k\u00e9p l\u00e0 g\u00ec<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cong_cu_tinh_lai_trong_bai_co_chinh_xac_khong\"><\/span>C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i trong b\u00e0i c\u00f3 ch\u00ednh x\u00e1c kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00f4ng c\u1ee5 t\u00ednh theo c\u00f4ng th\u1ee9c chu\u1ea9n v\u1edbi k\u1ef3 h\u1ea1n th\u00e1ng chia 12 v\u00e0 k\u1ef3 h\u1ea1n ng\u00e0y chia 365, cho k\u1ebft qu\u1ea3 \u01b0\u1edbc t\u00ednh \u0111\u1ec3 b\u1ea1n tham kh\u1ea3o. S\u1ed1 ti\u1ec1n l\u00e3i ch\u00ednh th\u1ee9c do ng\u00e2n h\u00e0ng t\u00ednh theo h\u1ee3p \u0111\u1ed3ng b\u1ea1n k\u00fd, c\u00f3 th\u1ec3 kh\u00e1c v\u00e0i ngh\u00ecn \u0111\u1ed3ng do l\u00e0m tr\u00f2n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>N\u1eafm \u0111\u01b0\u1ee3c c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, b\u1ea1n t\u1ef1 \u01b0\u1edbc t\u00ednh \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e3i tr\u01b0\u1edbc khi g\u1eedi: l\u1ea5y s\u1ed1 ti\u1ec1n nh\u00e2n l\u00e3i su\u1ea5t n\u0103m r\u1ed3i nh\u00e2n th\u1eddi gian g\u1eedi. H\u00e3y d\u00f9ng c\u00f4ng c\u1ee5 \u1edf \u0111\u1ea7u b\u00e0i \u0111\u1ec3 th\u1eed nhi\u1ec1u m\u1ee9c l\u00e3i su\u1ea5t v\u00e0 c\u00e1ch tr\u1ea3 l\u00e3i, so s\u00e1nh ng\u00e2n h\u00e0ng \u1edf b\u1ea3ng l\u00e3i su\u1ea5t m\u1edbi nh\u1ea5t, r\u1ed3i \u0111\u1ed1i chi\u1ebfu l\u1ea1i tr\u00ean k\u00eanh ch\u00ednh th\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi g\u1eedi. K\u1ebft qu\u1ea3 trong b\u00e0i ch\u1ec9 c\u00f3 t\u00ednh tham kh\u1ea3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng khi g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n: c\u00f4ng th\u1ee9c l\u00e3i \u0111\u01a1n, l\u00e3i k\u00e9p, v\u00ed d\u1ee5 6 th\u00e1ng v\u00e0 12 th\u00e1ng, c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i online v\u00e0 b\u1ea3ng ti\u1ec1n l\u00e3i theo l\u00e3i su\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n","protected":false},"author":17,"featured_media":125983,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[1364,1365,1366,190],"class_list":{"0":"post-10432","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang","8":"tag-cach-tinh-lai-suat","9":"tag-cong-cu-tinh-lai-suat","10":"tag-lai-kep","11":"tag-lai-suat-tiet-kiem"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/10432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=10432"}],"version-history":[{"count":2,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/10432\/revisions"}],"predecessor-version":[{"id":125982,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/10432\/revisions\/125982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/125983"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=10432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=10432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=10432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}