{"id":25989,"date":"2025-02-03T11:23:37","date_gmt":"2025-02-03T04:23:37","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25989"},"modified":"2026-10-28T11:02:19","modified_gmt":"2026-10-28T04:02:19","slug":"chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/","title":{"rendered":"Ch\u00ednh s\u00e1ch r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n t\u1ea1i ng\u00e2n h\u00e0ng: m\u1ea5t bao nhi\u00eau l\u00e3i?"},"content":{"rendered":"<p><strong>R\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n<\/strong> t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n, t\u00ednh tr\u00ean s\u1ed1 ng\u00e0y b\u1ea1n th\u1ef1c s\u1ef1 g\u1eedi, thay v\u00ec l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n \u0111\u00e3 ch\u1ecdn. L\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n hi\u1ec7n ch\u1ec9 \u1edf m\u1ee9c d\u01b0\u1edbi 1%\/n\u0103m, th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n, n\u00ean r\u00fat s\u1edbm \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c m\u1ea5t g\u1ea7n h\u1ebft ph\u1ea7n l\u00e3i b\u1ea1n d\u1ef1 t\u00ednh. B\u00e0i n\u00e0y gi\u1ea3i th\u00edch ch\u00ednh s\u00e1ch chung, c\u00e1ch t\u00ednh l\u00e3i khi r\u00fat tr\u01b0\u1edbc h\u1ea1n, nh\u1eefng c\u00e1ch gi\u1ea3m thi\u1ec7t v\u00e0 l\u1ef1a ch\u1ecdn thay th\u1ebf khi b\u1ea1n c\u1ea7n ti\u1ec1n linh ho\u1ea1t.<\/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\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Lai_suat_khong_ky_han_cua_cac_ngan_hang_hien_nay\" >L\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Chinh_sach_rut_tien_gui_truoc_han_tai_cac_ngan_hang\" >Ch\u00ednh s\u00e1ch r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n t\u1ea1i 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-3\" href=\"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Rut_tien_gui_truoc_han_mat_bao_nhieu_lai\" >R\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n m\u1ea5t bao nhi\u00eau l\u00e3i<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Cach_giam_thiet_khi_can_tien_truoc_han\" >C\u00e1ch gi\u1ea3m thi\u1ec7t khi c\u1ea7n ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Tai_khoan_sinh_loi_cua_Infina_cho_khoan_tien_can_rut_linh_hoat\" >T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a Infina cho kho\u1ea3n ti\u1ec1n c\u1ea7n r\u00fat linh ho\u1ea1t<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Cau_hoi_thuong_gap_ve_rut_tien_gui_truoc_han\" >C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Gui_tiet_kiem_online_co_rut_truoc_han_duoc_khong\" >G\u1eedi ti\u1ebft ki\u1ec7m online c\u00f3 r\u00fat tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Rut_truoc_han_co_mat_het_lai_khong\" >R\u00fat tr\u01b0\u1edbc h\u1ea1n c\u00f3 m\u1ea5t h\u1ebft l\u00e3i kh\u00f4ng?<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Ngan_hang_nao_cho_rut_tien_linh_hoat\" >Ng\u00e2n h\u00e0ng n\u00e0o cho r\u00fat ti\u1ec1n linh ho\u1ea1t?<\/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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Chung_chi_tien_gui_co_rut_truoc_han_duoc_khong\" >Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 r\u00fat tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c 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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Lai_tien_gui_co_phai_dong_thue_khong\" >L\u00e3i ti\u1ec1n g\u1eedi c\u00f3 ph\u1ea3i \u0111\u00f3ng thu\u1ebf 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\/chinh-sach-rut-tien-gui-truoc-han-tai-ngan-hang-tc\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Lai_suat_khong_ky_han_cua_cac_ngan_hang_hien_nay\"><\/span>L\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi r\u00fat tr\u01b0\u1edbc h\u1ea1n, m\u1ee9c l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng cho ph\u1ea7n ti\u1ec1n b\u1ecb r\u00fat th\u01b0\u1eddng l\u00e0 l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng b\u1ea1n g\u1eedi. B\u1ea3ng d\u01b0\u1edbi li\u1ec7t k\u00ea c\u00e1c ng\u00e2n h\u00e0ng \u0111ang ni\u00eam y\u1ebft l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n cao nh\u1ea5t theo s\u1ed1 li\u1ec7u t\u1ef1 c\u1eadp nh\u1eadt m\u1ed7i ng\u00e0y, c\u00f9ng d\u00f2ng l\u1ee3i nhu\u1eadn c\u1ee7a T\u00e0i kho\u1ea3n sinh l\u1eddi Infina \u1edf tr\u00ean c\u00f9ng \u0111\u1ec3 b\u1ea1n so s\u00e1nh.<\/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\"><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 Kh\u00f4ng k\u1ef3 h\u1ea1n (%\/n\u0103m)<\/th><th>So v\u1edbi h\u00f4m qua<\/th><\/tr><\/thead><tbody><tr class=\"infina-ls-own\"><td>-<\/td><td><a href=\"https:\/\/infina.vn\/tai-khoan-sinh-loi\">Infina<\/a><small>l\u1ee3i nhu\u1eadn T\u00e0i kho\u1ea3n sinh l\u1eddi<\/small><\/td><td>5%<\/td><td>-<\/td><\/tr><tr><td>1<\/td><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-bac-a\/\">Bac A Bank<\/a>, CBBank, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-gpbank\/\">GPBank<\/a>, <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-kien-long\/\">KienlongBank<\/a><\/td><td>0,5%<\/td><td>kh\u00f4ng \u0111\u1ed5i<\/td><\/tr><tr><td>5<\/td><td><a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-ban-viet\/\">BVBank<\/a><\/td><td>0,3%<\/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 15:02 08\/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. D\u00f2ng Infina l\u00e0 l\u1ee3i nhu\u1eadn khi g\u1eedi qua Infina (Infina g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ed1i t\u00e1c), kh\u00f4ng n\u1eb1m trong x\u1ebfp h\u1ea1ng v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e3i su\u1ea5t ni\u00eam y\u1ebft c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng. 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=\"Chinh_sach_rut_tien_gui_truoc_han_tai_cac_ngan_hang\"><\/span>Ch\u00ednh s\u00e1ch r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n ri\u00eang, nh\u01b0ng c\u00e1ch x\u1eed l\u00fd ph\u1ed5 bi\u1ebfn g\u1ed3m hai tr\u01b0\u1eddng h\u1ee3p:<\/p>\n<ul>\n<li><strong>R\u00fat to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n g\u1eedi:<\/strong> to\u00e0n b\u1ed9 kho\u1ea3n g\u1eedi b\u1ecb t\u00ednh l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n cho s\u1ed1 ng\u00e0y \u0111\u00e3 g\u1eedi.<\/li>\n<li><strong>R\u00fat m\u1ed9t ph\u1ea7n:<\/strong> m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho r\u00fat m\u1ed9t ph\u1ea7n, ph\u1ea7n r\u00fat b\u1ecb t\u00ednh l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n v\u00e0 ph\u1ea7n c\u00f2n l\u1ea1i ti\u1ebfp t\u1ee5c h\u01b0\u1edfng l\u00e3i su\u1ea5t \u0111\u00e3 ch\u1ecdn. Kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng hay s\u1ea3n ph\u1ea9m n\u00e0o c\u0169ng cho r\u00fat m\u1ed9t ph\u1ea7n, h\u00e3y h\u1ecfi r\u00f5 tr\u01b0\u1edbc khi g\u1eedi.<\/li>\n<\/ul>\n<p>\u0110i\u1ec1u ki\u1ec7n c\u00f2n ph\u1ee5 thu\u1ed9c lo\u1ea1i ti\u1ec1n g\u1eedi v\u00e0 k\u1ef3 h\u1ea1n:<\/p>\n<ul>\n<li><strong>Ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n:<\/strong> r\u00fat tr\u01b0\u1edbc h\u1ea1n theo c\u00e1ch tr\u00ean.<\/li>\n<li><strong>Ti\u1ebft ki\u1ec7m linh ho\u1ea1t ho\u1eb7c kh\u00f4ng k\u1ef3 h\u1ea1n:<\/strong> r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o nh\u01b0ng l\u00e3i su\u1ea5t th\u01b0\u1eddng th\u1ea5p h\u01a1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n.<\/li>\n<li><strong>Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi:<\/strong> t\u00f9y \u0111i\u1ec1u ki\u1ec7n ph\u00e1t h\u00e0nh, nhi\u1ec1u lo\u1ea1i kh\u00f4ng cho r\u00fat tr\u01b0\u1edbc h\u1ea1n m\u00e0 cho chuy\u1ec3n nh\u01b0\u1ee3ng ho\u1eb7c c\u1ea7m c\u1ed1, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0111i\u1ec1u kho\u1ea3n c\u1ee7a t\u1eebng \u0111\u1ee3t ph\u00e1t h\u00e0nh.<\/li>\n<\/ul>\n<p>C\u00e1ch t\u00ednh c\u1ee5 th\u1ec3 ghi trong h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n, \u0111\u1ecdc k\u1ef9 m\u1ee5c &#8220;r\u00fat tr\u01b0\u1edbc h\u1ea1n&#8221; tr\u01b0\u1edbc khi k\u00fd.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Rut_tien_gui_truoc_han_mat_bao_nhieu_lai\"><\/span>R\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n m\u1ea5t bao nhi\u00eau l\u00e3i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>C\u00f4ng th\u1ee9c: ti\u1ec1n l\u00e3i khi r\u00fat tr\u01b0\u1edbc h\u1ea1n = s\u1ed1 ti\u1ec1n r\u00fat \u00d7 l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n \u00d7 s\u1ed1 ng\u00e0y \u0111\u00e3 g\u1eedi \/ 365. V\u00ed d\u1ee5 g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12 th\u00e1ng, l\u00e3i su\u1ea5t 5%\/n\u0103m, r\u00fat sau 180 ng\u00e0y. Gi\u1ea3 \u0111\u1ecbnh l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n l\u00e0 0,5%\/n\u0103m (m\u1ee9c gi\u1ea3 \u0111\u1ecbnh \u0111\u1ec3 minh h\u1ecda, kh\u00f4ng ph\u1ea3i c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u1ee5 th\u1ec3):<\/p>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>Tr\u01b0\u1eddng h\u1ee3p<\/th>\n<th>L\u00e3i su\u1ea5t \u00e1p d\u1ee5ng<\/th>\n<th>Ti\u1ec1n l\u00e3i nh\u1eadn \u0111\u01b0\u1ee3c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Gi\u1eef \u0111\u1ee7 12 th\u00e1ng<\/td>\n<td>5%\/n\u0103m<\/td>\n<td>5.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td>R\u00fat sau 180 ng\u00e0y<\/td>\n<td>0,5%\/n\u0103m (kh\u00f4ng k\u1ef3 h\u1ea1n)<\/td>\n<td>kho\u1ea3ng 246.575 \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td>N\u1ebfu 180 ng\u00e0y \u0111\u00f3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n<\/td>\n<td>5%\/n\u0103m<\/td>\n<td>kho\u1ea3ng 2.465.753 \u0111\u1ed3ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Nh\u01b0 v\u1eady r\u00fat s\u1edbm khi\u1ebfn b\u1ea1n m\u1ea5t kho\u1ea3ng 2,2 tri\u1ec7u \u0111\u1ed3ng l\u00e3i c\u1ee7a 180 ng\u00e0y \u0111\u00e3 g\u1eedi, v\u00e0 m\u1ea5t lu\u00f4n ph\u1ea7n l\u00e3i c\u1ee7a 6 th\u00e1ng c\u00f2n l\u1ea1i. B\u1ea1n c\u00f3 th\u1ec3 th\u1eed s\u1ed1 ti\u1ec1n v\u00e0 s\u1ed1 ng\u00e0y kh\u00e1c b\u1eb1ng c\u00f4ng c\u1ee5 \u1edf b\u00e0i <a href=\"https:\/\/infina.vn\/blog\/cach-tinh-lai-suat-ngan-hang\/\">c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng<\/a> (ch\u1ecdn \u0111\u01a1n v\u1ecb k\u1ef3 h\u1ea1n l\u00e0 ng\u00e0y), ho\u1eb7c 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=\"Cach_giam_thiet_khi_can_tien_truoc_han\"><\/span>C\u00e1ch gi\u1ea3m thi\u1ec7t khi c\u1ea7n ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Chia nh\u1ecf s\u1ed5 ti\u1ebft ki\u1ec7m:<\/strong> thay v\u00ec m\u1ed9t s\u1ed5 l\u1edbn, chia th\u00e0nh v\u00e0i s\u1ed5 c\u00f3 k\u1ef3 h\u1ea1n kh\u00e1c nhau. Khi c\u1ea7n ti\u1ec1n ch\u1ec9 r\u00fat m\u1ed9t s\u1ed5 nh\u1ecf, c\u00e1c s\u1ed5 c\u00f2n l\u1ea1i v\u1eabn h\u01b0\u1edfng l\u00e3i \u0111\u1ee7 k\u1ef3 h\u1ea1n. B\u00e0i <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> h\u01b0\u1edbng d\u1eabn c\u00e1ch chia.<\/li>\n<li><strong>R\u00fat m\u1ed9t ph\u1ea7n<\/strong> n\u1ebfu ng\u00e2n h\u00e0ng cho ph\u00e9p, \u0111\u1ec3 ph\u1ea7n c\u00f2n l\u1ea1i gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t \u0111\u00e3 ch\u1ecdn.<\/li>\n<li><strong>Vay c\u1ea7m c\u1ed1 s\u1ed5 ti\u1ebft ki\u1ec7m:<\/strong> m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho vay ng\u1eafn h\u1ea1n v\u1edbi s\u1ed5 ti\u1ebft ki\u1ec7m l\u00e0m t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. B\u1ea1n gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t c\u1ee7a s\u1ed5 nh\u01b0ng ph\u1ea3i tr\u1ea3 l\u00e3i vay v\u00e0 ch\u1ecbu \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng, h\u00e3y so chi ph\u00ed tr\u01b0\u1edbc khi ch\u1ecdn.<\/li>\n<li><strong>Chuy\u1ec3n nh\u01b0\u1ee3ng s\u1ed5 ti\u1ebft ki\u1ec7m<\/strong> n\u1ebfu ng\u00e2n h\u00e0ng cho ph\u00e9p, c\u1ea7n \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\n<li><strong>Gi\u1eef m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p ri\u00eang<\/strong> \u1edf n\u01a1i r\u00fat \u0111\u01b0\u1ee3c ngay \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u0111\u1ee5ng \u0111\u1ebfn s\u1ed5 c\u00f3 k\u1ef3 h\u1ea1n.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tai_khoan_sinh_loi_cua_Infina_cho_khoan_tien_can_rut_linh_hoat\"><\/span>T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a Infina cho kho\u1ea3n ti\u1ec1n c\u1ea7n r\u00fat linh ho\u1ea1t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>N\u1ebfu c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n ch\u01b0a ch\u1eafc khi n\u00e0o c\u1ea7n d\u00f9ng, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o <a href=\"https:\/\/infina.vn\/tai-khoan-sinh-loi\">T\u00e0i kho\u1ea3n sinh l\u1eddi c\u1ee7a Infina<\/a>. Theo s\u1ed1 li\u1ec7u Infina c\u1eadp nh\u1eadt l\u00fac <strong>15:02 08\/11\/2026<\/strong>, l\u1ee3i nhu\u1eadn c\u1ee7a T\u00e0i kho\u1ea3n sinh l\u1eddi l\u00e0 <strong>5%\/n\u0103m<\/strong>, \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. So v\u1edbi l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng \u1edf b\u1ea3ng \u0111\u1ea7u b\u00e0i, \u0111\u00e2y l\u00e0 l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc cho ph\u1ea7n ti\u1ec1n nh\u00e0n r\u1ed7i c\u1ea7n linh ho\u1ea1t.<\/p>\n<p>V\u1edbi kho\u1ea3n ti\u1ec1n c\u00f3 th\u1ec3 \u0111\u1ec3 l\u00e2u h\u01a1n, Infina c\u00f2n c\u00f3 c\u00e1c g\u00f3i g\u1eedi qua Infina theo k\u1ef3 h\u1ea1n, trong \u0111\u00f3 Infina g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u1ed1i t\u00e1c. L\u1ee3i nhu\u1eadn theo s\u1ed1 li\u1ec7u hi\u1ec7n nay:<\/p>\n<div class=\"infina-ls-scroll\">\n<table>\n<thead>\n<tr>\n<th>S\u1ea3n ph\u1ea9m<\/th>\n<th>L\u1ee3i nhu\u1eadn (%\/n\u0103m)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u00e0i kho\u1ea3n sinh l\u1eddi (kh\u00f4ng k\u1ef3 h\u1ea1n)<\/td>\n<td>5%<\/td>\n<\/tr>\n<tr>\n<td>G\u1eedi qua Infina k\u1ef3 h\u1ea1n 1 th\u00e1ng<\/td>\n<td>6,5%<\/td>\n<\/tr>\n<tr>\n<td>G\u1eedi qua Infina k\u1ef3 h\u1ea1n 3 th\u00e1ng<\/td>\n<td>7%<\/td>\n<\/tr>\n<tr>\n<td>G\u1eedi qua Infina k\u1ef3 h\u1ea1n 6 th\u00e1ng<\/td>\n<td>7,8%<\/td>\n<\/tr>\n<tr>\n<td>G\u1eedi qua Infina k\u1ef3 h\u1ea1n 12 th\u00e1ng<\/td>\n<td>8,1%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u0110\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m kh\u00e1c v\u1edbi g\u1eedi ti\u1ebft ki\u1ec7m tr\u1ef1c ti\u1ebfp t\u1ea1i ng\u00e2n h\u00e0ng, l\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi \u0111i\u1ec3m. \u0110i\u1ec1u ki\u1ec7n r\u00fat tr\u01b0\u1edbc h\u1ea1n c\u1ee7a c\u00e1c g\u00f3i c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n chi ti\u1ebft xem tr\u00ean trang s\u1ea3n ph\u1ea9m, h\u00e3y \u0111\u1ecdc k\u1ef9 tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap_ve_rut_tien_gui_truoc_han\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 r\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Gui_tiet_kiem_online_co_rut_truoc_han_duoc_khong\"><\/span>G\u1eedi ti\u1ebft ki\u1ec7m online c\u00f3 r\u00fat tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u01b0\u1eddng l\u00e0 \u0111\u01b0\u1ee3c, nh\u01b0ng b\u1ea1n v\u1eabn b\u1ecb t\u00ednh l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n cho s\u1ed1 ng\u00e0y \u0111\u00e3 g\u1eedi gi\u1ed1ng nh\u01b0 g\u1eedi t\u1ea1i qu\u1ea7y. \u0110i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 (r\u00fat m\u1ed9t ph\u1ea7n, \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3) t\u00f9y ng\u00e2n h\u00e0ng v\u00e0 s\u1ea3n ph\u1ea9m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Rut_truoc_han_co_mat_het_lai_khong\"><\/span>R\u00fat tr\u01b0\u1edbc h\u1ea1n c\u00f3 m\u1ea5t h\u1ebft l\u00e3i kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kh\u00f4ng m\u1ea5t h\u1ebft nh\u01b0ng b\u1ea1n ch\u1ec9 nh\u1eadn l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n tr\u00ean s\u1ed1 ng\u00e0y \u0111\u00e3 g\u1eedi, r\u1ea5t th\u1ea5p so v\u1edbi l\u00e3i su\u1ea5t k\u1ef3 h\u1ea1n. Ph\u1ea7n l\u00e3i c\u1ee7a th\u1eddi gian c\u00f2n l\u1ea1i coi nh\u01b0 m\u1ea5t.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ngan_hang_nao_cho_rut_tien_linh_hoat\"><\/span>Ng\u00e2n h\u00e0ng n\u00e0o cho r\u00fat ti\u1ec1n linh ho\u1ea1t?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 s\u1ea3n ph\u1ea9m ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n ho\u1eb7c ti\u1ebft ki\u1ec7m linh ho\u1ea1t cho r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o, nh\u01b0ng l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n. So s\u00e1nh l\u00e3i su\u1ea5t t\u1eebng ng\u00e2n h\u00e0ng \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> v\u00e0 xem \u0111i\u1ec1u kho\u1ea3n r\u00fat ti\u1ec1n trong trang c\u1ee7a ng\u00e2n h\u00e0ng b\u1ea1n quan t\u00e2m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chung_chi_tien_gui_co_rut_truoc_han_duoc_khong\"><\/span>Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 r\u00fat tr\u01b0\u1edbc h\u1ea1n \u0111\u01b0\u1ee3c kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00f9y \u0111i\u1ec1u ki\u1ec7n ph\u00e1t h\u00e0nh. Nhi\u1ec1u ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi kh\u00f4ng cho r\u00fat tr\u01b0\u1edbc h\u1ea1n m\u00e0 cho chuy\u1ec3n nh\u01b0\u1ee3ng ho\u1eb7c c\u1ea7m c\u1ed1, b\u1ea1n c\u1ea7n \u0111\u1ecdc \u0111i\u1ec1u kho\u1ea3n c\u1ee7a \u0111\u1ee3t ph\u00e1t h\u00e0nh c\u1ee5 th\u1ec3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lai_tien_gui_co_phai_dong_thue_khong\"><\/span>L\u00e3i ti\u1ec1n g\u1eedi c\u00f3 ph\u1ea3i \u0111\u00f3ng 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<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>R\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n g\u1ea7n nh\u01b0 lu\u00f4n l\u00e0m b\u1ea1n m\u1ea5t ph\u1ea7n l\u1edbn l\u00e3i, v\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n r\u1ea5t th\u1ea5p. C\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 g\u1eedi \u0111\u00fang nhu c\u1ea7u: chia s\u1ed5 theo k\u1ebf ho\u1ea1ch d\u00f9ng ti\u1ec1n, gi\u1eef qu\u1ef9 kh\u1ea9n c\u1ea5p ri\u00eang v\u00e0 \u0111\u1ec3 ph\u1ea7n ti\u1ec1n ch\u01b0a r\u00f5 th\u1eddi \u0111i\u1ec3m d\u00f9ng \u1edf n\u01a1i r\u00fat \u0111\u01b0\u1ee3c linh ho\u1ea1t. S\u1ed1 li\u1ec7u trong b\u00e0i ch\u1ec9 c\u00f3 t\u00ednh tham kh\u1ea3o, h\u00e3y \u0111\u1ed1i chi\u1ebfu \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n tr\u01b0\u1edbc khi g\u1eedi ho\u1eb7c r\u00fat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00fat ti\u1ec1n g\u1eedi tr\u01b0\u1edbc h\u1ea1n th\u01b0\u1eddng ch\u1ec9 h\u01b0\u1edfng l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n t\u00ednh theo s\u1ed1 ng\u00e0y \u0111\u00e3 g\u1eedi: c\u00e1ch t\u00ednh, v\u00ed d\u1ee5 100 tri\u1ec7u, c\u00e1ch gi\u1ea3m thi\u1ec7t v\u00e0 l\u1ef1a ch\u1ecdn r\u00fat linh ho\u1ea1t.<\/p>\n","protected":false},"author":17,"featured_media":25990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[],"class_list":{"0":"post-25989","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-chinh-ca-nhan"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25989","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=25989"}],"version-history":[{"count":1,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25989\/revisions"}],"predecessor-version":[{"id":126025,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25989\/revisions\/126025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25990"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}