{"id":23854,"date":"2024-04-03T23:38:57","date_gmt":"2024-04-03T16:38:57","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=23854"},"modified":"2026-10-28T10:50:37","modified_gmt":"2026-10-28T03:50:37","slug":"gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/","title":{"rendered":"50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau? B\u1ea3ng t\u00ednh m\u1edbi nh\u1ea5t"},"content":{"rendered":"<p>Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0111\u1ed9i (MB, MBBank) l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u1edbn c\u1ee7a Vi\u1ec7t Nam. N\u1ebfu b\u1ea1n \u0111ang h\u1ecfi <strong>50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau<\/strong>: theo l\u00e3i su\u1ea5t ni\u00eam y\u1ebft c\u1eadp nh\u1eadt l\u00fac <strong>12:03 04\/11\/2026<\/strong>, k\u1ef3 h\u1ea1n 12 th\u00e1ng c\u1ee7a MB l\u00e0 <strong>5,7%\/n\u0103m<\/strong> v\u00e0 k\u1ef3 h\u1ea1n 6 th\u00e1ng l\u00e0 <strong>4,1%\/n\u0103m<\/strong>. Ti\u1ec1n l\u00e3i c\u1ee5 th\u1ec3 cho 50 tri\u1ec7u \u0111\u1ed3ng n\u1eb1m ngay b\u00ean d\u01b0\u1edbi.<\/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\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" 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h\u1ea1n?<\/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\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Bang_lai_suat_MB_Bank_theo_ky_han\" >B\u1ea3ng l\u00e3i su\u1ea5t MB Bank theo k\u1ef3 h\u1ea1n<\/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\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Cach_tinh_tien_lai_khi_gui_tiet_kiem_MB\" >C\u00e1ch t\u00ednh ti\u1ec1n l\u00e3i khi g\u1eedi ti\u1ebft ki\u1ec7m MB<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Cac_yeu_to_anh_huong_den_lai_suat_MB\" >C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t MB<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#So_sanh_lai_suat_MB_voi_cac_ngan_hang_khac\" >So s\u00e1nh l\u00e3i su\u1ea5t MB v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Kinh_nghiem_gui_tiet_kiem_50_trieu_dong\" >Kinh nghi\u1ec7m g\u1eedi ti\u1ebft ki\u1ec7m 50 tri\u1ec7u \u0111\u1ed3ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Cau_hoi_thuong_gap\" >C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#50_trieu_gui_ngan_hang_MB_lai_suat_bao_nhieu_cho_ky_han_1_nam\" >50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau cho k\u1ef3 h\u1ea1n 1 n\u0103m?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Gui_50_trieu_nen_chon_ky_han_nao\" >G\u1eedi 50 tri\u1ec7u n\u00ean ch\u1ecdn k\u1ef3 h\u1ea1n n\u00e0o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Lai_tiet_kiem_co_bi_tinh_thue_khong\" >L\u00e3i ti\u1ebft ki\u1ec7m c\u00f3 b\u1ecb t\u00ednh thu\u1ebf kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Lai_suat_MB_co_thay_doi_thuong_xuyen_khong\" >L\u00e3i su\u1ea5t MB c\u00f3 thay \u0111\u1ed5i th\u01b0\u1eddng xuy\u00ean 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-12\" href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-50-trieu-dong-tai-mbbank-voi-lai-suat-cao-nhat-nhan-lai-bao-nhieu\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"50_trieu_gui_ngan_hang_MB_lai_suat_bao_nhieu_theo_tung_ky_han\"><\/span>50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau theo t\u1eebng k\u1ef3 h\u1ea1n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>B\u1ea3ng t\u00ednh ti\u1ec1n l\u00e3i \u01b0\u1edbc t\u00ednh khi g\u1eedi 50 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i MB, t\u1ef1 t\u00ednh l\u1ea1i theo l\u00e3i su\u1ea5t m\u1edbi nh\u1ea5t. B\u1ea1n \u0111\u1ed5i s\u1ed1 ti\u1ec1n trong \u00f4 nh\u1eadp \u0111\u1ec3 xem tr\u01b0\u1eddng h\u1ee3p kh\u00e1c.<\/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\"><p><strong>G\u1eedi 50 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i MB l\u00e3i bao nhi\u00eau?<\/strong> Theo l\u00e3i su\u1ea5t ni\u00eam y\u1ebft l\u00fac 09:07 04\/11\/2026, ti\u1ec1n l\u00e3i \u01b0\u1edbc t\u00ednh theo t\u1eebng k\u1ef3 h\u1ea1n 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=\"50000000\"><\/label><\/form><div class=\"infina-ls-scroll\"><table><thead><tr><th>K\u1ef3 h\u1ea1n<\/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=\"3.7\" data-months=\"1\"><td>1 th\u00e1ng<\/td><td>3,7%<\/td><td class=\"infina-ls-int\">154.167<\/td><td class=\"infina-ls-tot\">50.154.167<\/td><\/tr><tr data-rate=\"4.1\" data-months=\"3\"><td>3 th\u00e1ng<\/td><td>4,1%<\/td><td class=\"infina-ls-int\">512.500<\/td><td class=\"infina-ls-tot\">50.512.500<\/td><\/tr><tr data-rate=\"4.1\" data-months=\"6\"><td>6 th\u00e1ng<\/td><td>4,1%<\/td><td class=\"infina-ls-int\">1.025.000<\/td><td class=\"infina-ls-tot\">51.025.000<\/td><\/tr><tr data-rate=\"5.7\" data-months=\"12\"><td>12 th\u00e1ng<\/td><td>5,7%<\/td><td class=\"infina-ls-int\">2.850.000<\/td><td class=\"infina-ls-tot\">52.850.000<\/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 12:03 04\/11\/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<h2><span class=\"ez-toc-section\" id=\"Bang_lai_suat_MB_Bank_theo_ky_han\"><\/span>B\u1ea3ng l\u00e3i su\u1ea5t MB Bank theo k\u1ef3 h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>B\u1ea3ng d\u01b0\u1edbi tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi 50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau \u1edf m\u1ecdi k\u1ef3 h\u1ea1n m\u00e0 ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft, k\u00e8m m\u1ee9c thay \u0111\u1ed5i so v\u1edbi c\u00e1c ng\u00e0y tr\u01b0\u1edbc khi \u0111\u00e3 c\u00f3 l\u1ecbch s\u1eed.<\/p>\n<div class=\"infina-ls\"><p><strong>L\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m MB k\u1ef3 h\u1ea1n 12 th\u00e1ng<\/strong> (c\u00e1 nh\u00e2n) hi\u1ec7n ni\u00eam y\u1ebft <strong>5,7%\/n\u0103m<\/strong> (c\u1eadp nh\u1eadt 09:07 04\/11\/2026). M\u1ee9c n\u00e0y x\u1ebfp th\u1ee9 20 trong 40 ng\u00e2n h\u00e0ng Infina theo d\u00f5i \u1edf k\u1ef3 h\u1ea1n 12 th\u00e1ng, m\u1ee9c cao nh\u1ea5t trong nh\u00f3m l\u00e0 7% (MBV). So v\u1edbi m\u1ee9c trung b\u00ecnh 5,67% c\u1ee7a nh\u00f3m, MB cao h\u01a1n 0,03 \u0111i\u1ec3m ph\u1ea7n tr\u0103m.<\/p><div class=\"infina-ls-scroll\"><table><thead><tr><th>K\u1ef3 h\u1ea1n<\/th><th>L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th><th>So v\u1edbi h\u00f4m qua<\/th><th>So v\u1edbi 7 ng\u00e0y tr\u01b0\u1edbc<\/th><th>Trung b\u00ecnh th\u1ecb tr\u01b0\u1eddng<\/th><\/tr><\/thead><tbody><tr><td>Kh\u00f4ng k\u1ef3 h\u1ea1n<\/td><td>0,05%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>0,21%<\/td><\/tr><tr><td>1 th\u00e1ng<\/td><td>3,7%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>3,9%<\/td><\/tr><tr><td>3 th\u00e1ng<\/td><td>4,1%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>4,04%<\/td><\/tr><tr><td>6 th\u00e1ng<\/td><td>4,1%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>5,01%<\/td><\/tr><tr><td>9 th\u00e1ng<\/td><td>4,1%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>4,98%<\/td><\/tr><tr><td>12 th\u00e1ng<\/td><td>5,7%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>5,67%<\/td><\/tr><tr><td>13 th\u00e1ng<\/td><td>5,7%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><td>5,86%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"infina-ls-scroll\"><table><thead><tr><th>Ng\u00e0y<\/th><th>L\u00e3i su\u1ea5t 12 th\u00e1ng (%\/n\u0103m)<\/th><\/tr><\/thead><tbody><tr><td>04\/11\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>03\/11\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>02\/11\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>01\/11\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>31\/10\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>30\/10\/2026<\/td><td>5,7%<\/td><\/tr><tr><td>29\/10\/2026<\/td><td>5,7%<\/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 12:03 04\/11\/2026. 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>\n<h2><span class=\"ez-toc-section\" id=\"Cach_tinh_tien_lai_khi_gui_tiet_kiem_MB\"><\/span>C\u00e1ch t\u00ednh ti\u1ec1n l\u00e3i khi g\u1eedi ti\u1ebft ki\u1ec7m MB<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>V\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n tr\u1ea3 l\u00e3i cu\u1ed1i k\u1ef3: <strong>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<\/strong>. V\u00ed d\u1ee5 gi\u1ea3 \u0111\u1ecbnh l\u00e3i su\u1ea5t 5%\/n\u0103m, g\u1eedi 50 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng th\u00ec ti\u1ec1n l\u00e3i l\u00e0 50.000.000 \u00d7 5% = 2.500.000 \u0111\u1ed3ng. H\u00e3y thay b\u1eb1ng l\u00e3i su\u1ea5t th\u1eadt trong b\u1ea3ng \u1edf tr\u00ean, ho\u1eb7c th\u1eed nhi\u1ec1u ph\u01b0\u01a1ng \u00e1n v\u1edbi <a href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/\">c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i ti\u1ebft ki\u1ec7m<\/a> c\u1ee7a Infina.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_yeu_to_anh_huong_den_lai_suat_MB\"><\/span>C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t MB<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>K\u1ef3 h\u1ea1n g\u1eedi:<\/strong> l\u00e3i su\u1ea5t thay \u0111\u1ed5i theo k\u1ef3 h\u1ea1n, n\u00ean so s\u00e1nh \u0111\u00fang l\u00e0 so c\u00f9ng m\u1ed9t k\u1ef3 h\u1ea1n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng.<\/li>\n<li><strong>Ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7:<\/strong> ng\u00e2n h\u00e0ng \u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng theo \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 nhu c\u1ea7u v\u1ed1n. V\u1edbi ti\u1ec1n g\u1eedi d\u01b0\u1edbi 6 th\u00e1ng, m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1i \u0111a do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh n\u00ean c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng ni\u00eam y\u1ebft s\u00e1t nhau.<\/li>\n<li><strong>\u0110i\u1ec1u ki\u1ec7n k\u00e8m theo:<\/strong> s\u1ed1 ti\u1ec1n g\u1eedi t\u1ed1i thi\u1ec3u, h\u00ecnh th\u1ee9c g\u1eedi (t\u1ea1i qu\u1ea7y hay tr\u00ean \u1ee9ng d\u1ee5ng) v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i c\u00f3 th\u1eddi h\u1ea1n c\u00f3 th\u1ec3 l\u00e0m m\u1ee9c b\u1ea1n nh\u1eadn kh\u00e1c b\u1ea3ng ni\u00eam y\u1ebft.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"So_sanh_lai_suat_MB_voi_cac_ngan_hang_khac\"><\/span>So s\u00e1nh l\u00e3i su\u1ea5t MB v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>B\u1ea3ng d\u01b0\u1edbi l\u00e0 5 ng\u00e2n h\u00e0ng c\u00f3 l\u00e3i su\u1ea5t ni\u00eam y\u1ebft cao nh\u1ea5t \u1edf k\u1ef3 h\u1ea1n 12 th\u00e1ng trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng Infina theo d\u00f5i. B\u1ea1n c\u00f3 th\u1ec3 xem to\u00e0n b\u1ed9 ng\u00e2n h\u00e0ng \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">b\u1ea3ng l\u00e3i su\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng<\/a>.<\/p>\n<div class=\"infina-ls\"><div class=\"infina-ls-scroll\"><table class=\"infina-ls-top\"><thead><tr><th>H\u1ea1ng<\/th><th>Ng\u00e2n h\u00e0ng<\/th><th>L\u00e3i su\u1ea5t 12 th\u00e1ng (%\/n\u0103m)<\/th><th>So v\u1edbi h\u00f4m qua<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-mbv\/\">MBV<\/a><\/td><td>7%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><\/tr><tr><td>2<\/td><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-lpbank\/\">LPBank<\/a>, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-saigonbank\/\">Saigonbank<\/a>, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-vpbank\/\">VPBank<\/a><\/td><td>6,7%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><\/tr><tr><td>5<\/td><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-bac-a\/\">Bac A Bank<\/a><\/td><td>6,6%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/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 12:03 04\/11\/2026. X\u1ebfp h\u1ea1ng theo l\u00e3i su\u1ea5t ni\u00eam y\u1ebft trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng Infina theo d\u00f5i. C\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng m\u1ee9c l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c g\u1ed9p chung m\u1ed9t h\u1ea1ng. 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>\n<h2><span class=\"ez-toc-section\" id=\"Kinh_nghiem_gui_tiet_kiem_50_trieu_dong\"><\/span>Kinh nghi\u1ec7m g\u1eedi ti\u1ebft ki\u1ec7m 50 tri\u1ec7u \u0111\u1ed3ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh theo k\u1ebft qu\u1ea3 c\u1ee7a c\u00e2u h\u1ecfi 50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc th\u00eam nh\u1eefng \u0111i\u1ec3m sau.<\/p>\n<ul>\n<li><strong>Ch\u1ecdn k\u1ef3 h\u1ea1n theo k\u1ebf ho\u1ea1ch d\u00f9ng ti\u1ec1n.<\/strong> K\u1ef3 h\u1ea1n d\u00e0i th\u01b0\u1eddng c\u00f3 l\u00e3i su\u1ea5t cao h\u01a1n nh\u01b0ng b\u1ea1n ph\u1ea3i \u0111\u1ec3 ti\u1ec1n \u0111\u1ebfn h\u1ebft k\u1ef3. \u0110\u1ecdc th\u00eam v\u1ec1 <a href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-co-ky-han\/\">g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/a> tr\u01b0\u1edbc khi ch\u1ecdn.<\/li>\n<li><strong>Chia nh\u1ecf kho\u1ea3n g\u1eedi l\u1edbn.<\/strong> C\u00f3 th\u1ec3 chia th\u00e0nh v\u00e0i s\u1ed5 \u1edf c\u00e1c k\u1ef3 h\u1ea1n kh\u00e1c nhau \u0111\u1ec3 v\u1eeba c\u00f3 ti\u1ec1n linh ho\u1ea1t v\u1eeba h\u01b0\u1edfng l\u00e3i su\u1ea5t cao h\u01a1n.<\/li>\n<li><strong>H\u1ea1n ch\u1ebf t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n.<\/strong> R\u00fat tr\u01b0\u1edbc h\u1ea1n th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p, xem <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>.<\/li>\n<li><strong>Ki\u1ec3m tra l\u1ea1i v\u1edbi ng\u00e2n h\u00e0ng.<\/strong> B\u1ea3ng l\u00e3i su\u1ea5t trong b\u00e0i l\u00e0 m\u1ee9c ni\u00eam y\u1ebft do Infina t\u1ed5ng h\u1ee3p, h\u00e3y \u0111\u1ed1i chi\u1ebfu tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng c\u1ee7a MB tr\u01b0\u1edbc khi g\u1eedi.<\/li>\n<\/ul>\n<p>N\u1ebfu b\u1ea1n c\u1ea7n ph\u1ea7n ti\u1ec1n nh\u00e0n r\u1ed7i v\u1eabn sinh l\u1eddi m\u00e0 r\u00fat \u0111\u01b0\u1ee3c linh ho\u1ea1t, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o th\u00eam <a href=\"https:\/\/infina.vn\/tai-khoan-sinh-loi\">sinh l\u1eddi m\u1ed7i ng\u00e0y v\u1edbi Infina<\/a>. \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\u00ean trang s\u1ea3n ph\u1ea9m.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"50_trieu_gui_ngan_hang_MB_lai_suat_bao_nhieu_cho_ky_han_1_nam\"><\/span>50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau cho k\u1ef3 h\u1ea1n 1 n\u0103m?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ph\u1ee5 thu\u1ed9c l\u00e3i su\u1ea5t ni\u00eam y\u1ebft k\u1ef3 h\u1ea1n 12 th\u00e1ng t\u1ea1i th\u1eddi \u0111i\u1ec3m g\u1eedi. B\u1ea3ng \u0111\u1ea7u b\u00e0i d\u00f9ng l\u00e3i su\u1ea5t m\u1edbi nh\u1ea5t v\u00e0 t\u1ef1 t\u00ednh ti\u1ec1n l\u00e3i cho 50 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Gui_50_trieu_nen_chon_ky_han_nao\"><\/span>G\u1eedi 50 tri\u1ec7u n\u00ean ch\u1ecdn k\u1ef3 h\u1ea1n n\u00e0o?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>N\u1ebfu c\u00f3 th\u1ec3 \u0111\u1ec3 y\u00ean ti\u1ec1n, k\u1ef3 h\u1ea1n d\u00e0i th\u01b0\u1eddng cho l\u00e3i su\u1ea5t cao h\u01a1n. N\u1ebfu c\u1ea7n linh ho\u1ea1t, b\u1ea1n c\u00f3 th\u1ec3 chia th\u00e0nh hai s\u1ed5 \u1edf hai k\u1ef3 h\u1ea1n kh\u00e1c nhau. Xem th\u00eam <a href=\"https:\/\/infina.vn\/blog\/gui-tiet-kiem-co-ky-han\/\">g\u1eedi ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_tiet_kiem_co_bi_tinh_thue_khong\"><\/span>L\u00e3i ti\u1ebft ki\u1ec7m c\u00f3 b\u1ecb t\u00ednh thu\u1ebf kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\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>).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_suat_MB_co_thay_doi_thuong_xuyen_khong\"><\/span>L\u00e3i su\u1ea5t MB c\u00f3 thay \u0111\u1ed5i th\u01b0\u1eddng xuy\u00ean kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e2n h\u00e0ng \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ecbnh k\u1ef3 theo ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7. B\u1ea3ng trong b\u00e0i c\u1eadp nh\u1eadt m\u1ed7i ng\u00e0y m\u1ed9t l\u1ea7n v\u00e0 ghi r\u00f5 gi\u1edd c\u1eadp nh\u1eadt.<\/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>\u0110\u1ec3 bi\u1ebft 50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau, h\u00e3y xem b\u1ea3ng l\u00e3i su\u1ea5t m\u1edbi nh\u1ea5t theo k\u1ef3 h\u1ea1n b\u1ea1n ch\u1ecdn r\u1ed3i \u0111\u1ed1i chi\u1ebfu l\u1ea1i tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng MB tr\u01b0\u1edbc khi g\u1eedi. S\u1ed1 li\u1ec7u trong b\u00e0i ch\u1ec9 c\u00f3 t\u00ednh tham kh\u1ea3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>50 tri\u1ec7u g\u1eedi ng\u00e2n h\u00e0ng MB l\u00e3i su\u1ea5t bao nhi\u00eau? B\u1ea3ng l\u00e3i su\u1ea5t MB Bank theo t\u1eebng k\u1ef3 h\u1ea1n, ti\u1ec1n l\u00e3i \u01b0\u1edbc t\u00ednh khi g\u1eedi 50 tri\u1ec7u \u0111\u1ed3ng v\u00e0 so s\u00e1nh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c, t\u1ef1 c\u1eadp nh\u1eadt m\u1ed7i ng\u00e0y.<\/p>\n","protected":false},"author":17,"featured_media":23856,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[146,190,422],"class_list":{"0":"post-23854","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang","8":"tag-lai-suat-ngan-hang","9":"tag-lai-suat-tiet-kiem","10":"tag-mb"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23854","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=23854"}],"version-history":[{"count":2,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23854\/revisions"}],"predecessor-version":[{"id":125989,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23854\/revisions\/125989"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/23856"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=23854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=23854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=23854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}