{"id":26520,"date":"2025-03-31T11:16:04","date_gmt":"2025-03-31T04:16:04","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=26520"},"modified":"2025-03-31T11:16:28","modified_gmt":"2025-03-31T04:16:28","slug":"5-yeu-to-anh-huong-den-ty-le-tiet-kiem-theo-vung-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/5-yeu-to-anh-huong-den-ty-le-tiet-kiem-theo-vung-tc\/","title":{"rendered":"5 y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m theo v\u00f9ng"},"content":{"rendered":"\n\n
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\n \u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n <\/div>\n <\/div>\n

Thu nh\u1eadp theo v\u00f9ng mi\u1ec1n<\/strong>: Thu nh\u1eadp cao t\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn gi\u00fap ng\u01b0\u1eddi d\u00e2n d\u1ec5 ti\u1ebft ki\u1ec7m h\u01a1n. Tuy nhi\u00ean, l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n truy\u1ec1n th\u1ed1ng (CASA) th\u1ea5p (\u2264 0,5%\/n\u0103m) khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi chuy\u1ec3n sang t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u1ee3i nhu\u1eadn cao (High Yield Savings Account), nh\u01b0 Infina<\/a> (4,9%\/n\u0103m).<\/p>\n

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  1. Chi ph\u00ed sinh ho\u1ea1t<\/strong>: Chi ph\u00ed \u1edf th\u00e0nh ph\u1ed1 l\u1edbn (H\u00e0 N\u1ed9i, TP.HCM) cao h\u01a1n nhi\u1ec1u so v\u1edbi n\u00f4ng th\u00f4n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00e0 \u1edf v\u00e0 ti\u1ec7n \u00edch. Ng\u01b0\u1eddi d\u00e2n \u1edf n\u00f4ng th\u00f4n c\u00f3 l\u1ee3i th\u1ebf t\u00edch l\u0169y nh\u1edd chi ph\u00ed th\u1ea5p h\u01a1n.<\/li>\n
  2. C\u01a1 c\u1ea5u kinh doanh v\u00e0 ng\u00e0nh ngh\u1ec1<\/strong>: Khu v\u1ef1c kinh t\u1ebf \u1ed5n \u0111\u1ecbnh (th\u00e0nh ph\u1ed1 l\u1edbn) gi\u00fap ng\u01b0\u1eddi d\u00e2n l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n, trong khi c\u00e1c khu v\u1ef1c ph\u1ee5 thu\u1ed9c m\u00f9a v\u1ee5 g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebft ki\u1ec7m.<\/li>\n
  3. Th\u00f3i quen qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh<\/strong>: Ng\u01b0\u1eddi d\u00e2n th\u00e0nh ph\u1ed1 s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i, trong khi \u1edf n\u00f4ng th\u00f4n, c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c th\u01b0\u1eddng truy\u1ec1n th\u1ed1ng h\u01a1n (gi\u1eef ti\u1ec1n m\u1eb7t, g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng).<\/li>\n
  4. Ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 ti\u1ebft ki\u1ec7m<\/strong>: C\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 nh\u01b0 Infina cung c\u1ea5p l\u00e3i su\u1ea5t cao h\u01a1n v\u00e0 t\u00edch h\u1ee3p v\u1edbi v\u00ed \u0111i\u1ec7n t\u1eed, gi\u00fap ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng ti\u1ebft ki\u1ec7m v\u00e0 t\u1ed1i \u01b0u d\u00f2ng ti\u1ec1n.<\/li>\n<\/ol>\n
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    N\u1ed9i dung ch\u00ednh<\/p>\nToggle<\/span><\/path><\/svg><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n