{"id":26538,"date":"2025-03-31T11:51:10","date_gmt":"2025-03-31T04:51:10","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=26538"},"modified":"2025-03-31T11:51:10","modified_gmt":"2025-03-31T04:51:10","slug":"lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/","title":{"rendered":"L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u00f3 ch\u1ecbu thu\u1ebf kh\u00f4ng?"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;26538&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n c\u00f3 ch\u1ecbu thu\u1ebf kh\u00f4ng?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 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' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Tom_tat_nhanh\" title=\"T\u00f3m t\u1eaft nhanh:\">T\u00f3m t\u1eaft nhanh:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Vi_du_minh_hoa\" title=\"V\u00ed d\u1ee5 minh h\u1ecda:\">V\u00ed d\u1ee5 minh h\u1ecda:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#So_sanh_voi_cac_nuoc_Dong_Nam_A\" title=\"So s\u00e1nh v\u1edbi c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1:\">So s\u00e1nh v\u1edbi c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1:<\/a><\/li><\/ul><\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Quy_dinh_thue_doi_voi_tien_gui_co_ky_han_tai_Viet_Nam\" title=\"Quy \u0111\u1ecbnh thu\u1ebf \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i Vi\u1ec7t Nam\">Quy \u0111\u1ecbnh thu\u1ebf \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i Vi\u1ec7t Nam<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Thue_ap_dung_cho_ca_nhan\" title=\"Thu\u1ebf \u00e1p d\u1ee5ng cho c\u00e1 nh\u00e2n\">Thu\u1ebf \u00e1p d\u1ee5ng cho c\u00e1 nh\u00e2n<\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Thue_ap_dung_cho_doanh_nghiep\" title=\"Thu\u1ebf \u00e1p d\u1ee5ng cho doanh nghi\u1ec7p\">Thu\u1ebf \u00e1p d\u1ee5ng cho doanh nghi\u1ec7p<\/a><\/li><\/ul><\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Quy_dinh_thue_tai_cac_nuoc_Dong_Nam_A\" title=\"Quy \u0111\u1ecbnh thu\u1ebf t\u1ea1i c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1\">Quy \u0111\u1ecbnh thu\u1ebf t\u1ea1i c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1<\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Thue_suat_theo_quoc_gia\" title=\"Thu\u1ebf su\u1ea5t theo qu\u1ed1c gia\">Thu\u1ebf su\u1ea5t theo qu\u1ed1c gia<\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Uu_diem_va_han_che\" title=\"\u01afu \u0111i\u1ec3m v\u00e0 h\u1ea1n ch\u1ebf\">\u01afu \u0111i\u1ec3m v\u00e0 h\u1ea1n ch\u1ebf<\/a><\/li><\/ul><\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Thao_luan_ve_chinh_sach_thue_trong_tuong_lai\" title=\"Th\u1ea3o lu\u1eadn v\u1ec1 ch\u00ednh s\u00e1ch thu\u1ebf trong t\u01b0\u01a1ng lai\">Th\u1ea3o lu\u1eadn v\u1ec1 ch\u00ednh s\u00e1ch thu\u1ebf trong t\u01b0\u01a1ng lai<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Ly_do_ung_ho_ap_dung_thue\" title=\"L\u00fd do \u1ee7ng h\u1ed9 \u00e1p d\u1ee5ng thu\u1ebf\">L\u00fd do \u1ee7ng h\u1ed9 \u00e1p d\u1ee5ng thu\u1ebf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Ly_do_giu_nguyen_chinh_sach_mien_thue\" title=\"L\u00fd do gi\u1eef nguy\u00ean ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf\">L\u00fd do gi\u1eef nguy\u00ean ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Anh_huong_den_thoi_quen_tiet_kiem\" title=\"\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn th\u00f3i quen ti\u1ebft ki\u1ec7m\">\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn th\u00f3i quen ti\u1ebft ki\u1ec7m<\/a><\/li><\/ul><\/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\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Cach_toi_uu_loi_nhuan_tu_tien_gui\" title=\"C\u00e1ch t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n g\u1eedi\">C\u00e1ch t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n g\u1eedi<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Chon_ky_han_gui_tien_hop_ly\" title=\"Ch\u1ecdn k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n h\u1ee3p l\u00fd\">Ch\u1ecdn k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n h\u1ee3p l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#So_sanh_lai_suat_giua_cac_ngan_hang\" title=\"So s\u00e1nh l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng\">So s\u00e1nh l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Tan_dung_nen_tang_Infina\" title=\"T\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng Infina\">T\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng Infina<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/lai-suat-tien-gui-co-ky-han-co-chiu-thue-khong-tc\/#Tom_tat\" title=\"T\u00f3m t\u1eaft\">T\u00f3m t\u1eaft<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Tom_tat_nhanh\"><\/span>T\u00f3m t\u1eaft nhanh:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>C\u00e1 nh\u00e2n<\/strong>: Kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf tr\u00ean l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n.<\/li>\n<li><strong>Doanh nghi\u1ec7p<\/strong>: L\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p (TNDN) \u1edf m\u1ee9c 20%.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Vi_du_minh_hoa\"><\/span>V\u00ed d\u1ee5 minh h\u1ecda:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>C\u00e1 nh\u00e2n g\u1eedi 100 tri\u1ec7u \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 5,8%\/n\u0103m, nh\u1eadn l\u00e3i 5,8 tri\u1ec7u \u0111\u1ed3ng. <strong>Kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf<\/strong>.<\/li>\n<li>Doanh nghi\u1ec7p g\u1eedi 1 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 5,8%\/n\u0103m, nh\u1eadn l\u00e3i 58 tri\u1ec7u \u0111\u1ed3ng. <strong>Ph\u1ea3i n\u1ed9p 11,6 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n thu\u1ebf (20%)<\/strong>.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_voi_cac_nuoc_Dong_Nam_A\"><\/span>So s\u00e1nh v\u1edbi c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Qu\u1ed1c gia<\/th>\n<th colspan=\"1\" rowspan=\"1\">Thu\u1ebf su\u1ea5t c\u00e1 nh\u00e2n<\/th>\n<th colspan=\"1\" rowspan=\"1\">Thu\u1ebf su\u1ea5t doanh nghi\u1ec7p<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ghi ch\u00fa<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Vi\u1ec7t Nam<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf cho c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Singapore<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">17%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf c\u00e1 nh\u00e2n, thu\u1ebf th\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Malaysia<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">24%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf cho ti\u1ec1n g\u1eedi trong n\u01b0\u1edbc<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Indonesia<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">25%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thu\u1ebf \u00e1p d\u1ee5ng cho m\u1ecdi kho\u1ea3n ti\u1ec1n g\u1eedi<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u00e1i Lan<\/td>\n<td colspan=\"1\" rowspan=\"1\">15%<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">C\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb thu\u1ebf c\u01a1 b\u1ea3n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>L\u01b0u \u00fd<\/strong>: Ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf TNCN gi\u00fap c\u00e1 nh\u00e2n t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ebft ki\u1ec7m. Tuy nhi\u00ean, doanh nghi\u1ec7p c\u1ea7n k\u00ea khai v\u00e0 n\u1ed9p thu\u1ebf theo quy \u0111\u1ecbnh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quy_dinh_thue_doi_voi_tien_gui_co_ky_han_tai_Viet_Nam\"><\/span>Quy \u0111\u1ecbnh thu\u1ebf \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i Vi\u1ec7t Nam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Thue_ap_dung_cho_ca_nhan\"><\/span>Thu\u1ebf \u00e1p d\u1ee5ng cho c\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a Lu\u1eadt Thu\u1ebf Thu nh\u1eadp C\u00e1 nh\u00e2n (TNCN), l\u00e3i t\u1eeb ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng <strong>kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf TNCN<\/strong>. Quy \u0111\u1ecbnh n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi t\u1ea1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u00e0 qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n.<\/p>\n<p>V\u00ed d\u1ee5 minh h\u1ecda: N\u1ebfu b\u1ea1n g\u1eedi ti\u1ebft ki\u1ec7m 100 tri\u1ec7u \u0111\u1ed3ng t\u1ea1i VietBank v\u1edbi l\u00e3i su\u1ea5t 5,8%\/n\u0103m trong th\u1eddi h\u1ea1n 12 th\u00e1ng, s\u1ed1 ti\u1ec1n l\u00e3i b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 5,8 tri\u1ec7u \u0111\u1ed3ng. Kho\u1ea3n l\u00e3i n\u00e0y <strong>kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thue_ap_dung_cho_doanh_nghiep\"><\/span>Thu\u1ebf \u00e1p d\u1ee5ng cho doanh nghi\u1ec7p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p, l\u00e3i t\u1eeb ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t lo\u1ea1i thu nh\u1eadp v\u00e0 ph\u1ea3i ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p (TNDN). \u0110\u00e2y l\u00e0 ngh\u0129a v\u1ee5 thu\u1ebf b\u1eaft bu\u1ed9c v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh theo c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i thu nh\u1eadp<\/th>\n<th colspan=\"1\" rowspan=\"1\">Thu\u1ebf su\u1ea5t \u00e1p d\u1ee5ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">C\u00e1ch t\u00ednh<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i t\u1eeb ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u00ednh v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a doanh nghi\u1ec7p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i t\u1eeb c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u00ednh v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a doanh nghi\u1ec7p<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>L\u01b0u \u00fd d\u00e0nh cho doanh nghi\u1ec7p<\/strong>:<\/p>\n<ul>\n<li>C\u00e1c kho\u1ea3n l\u00e3i ti\u1ec1n g\u1eedi ph\u1ea3i \u0111\u01b0\u1ee3c ghi nh\u1eadn v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf trong k\u1ef3 k\u1ebf to\u00e1n.<\/li>\n<li>Doanh nghi\u1ec7p c\u1ea7n cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 ch\u1ee9ng t\u1eeb, h\u00f3a \u0111\u01a1n t\u1eeb ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ea1ch to\u00e1n.<\/li>\n<li>Vi\u1ec7c k\u00ea khai v\u00e0 n\u1ed9p thu\u1ebf c\u1ea7n tu\u00e2n th\u1ee7 \u0111\u00fang c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 thu\u1ebf TNDN.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5 minh h\u1ecda: M\u1ed9t doanh nghi\u1ec7p g\u1eedi 1 t\u1ef7 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 5,8%\/n\u0103m trong th\u1eddi h\u1ea1n 12 th\u00e1ng. S\u1ed1 ti\u1ec1n l\u00e3i nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 58 tri\u1ec7u \u0111\u1ed3ng. V\u1edbi m\u1ee9c thu\u1ebf TNDN 20%, doanh nghi\u1ec7p c\u1ea7n n\u1ed9p 11,6 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n thu\u1ebf.<\/p>\n<p>Ti\u1ebfp theo, ch\u00fang ta s\u1ebd xem x\u00e9t c\u00e1c quy \u0111\u1ecbnh thu\u1ebf c\u1ee7a c\u00e1c qu\u1ed1c gia kh\u00e1c trong khu v\u1ef1c \u0110\u00f4ng Nam \u00c1.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quy_dinh_thue_tai_cac_nuoc_Dong_Nam_A\"><\/span>Quy \u0111\u1ecbnh thu\u1ebf t\u1ea1i c\u00e1c n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Thue_suat_theo_quoc_gia\"><\/span>Thu\u1ebf su\u1ea5t theo qu\u1ed1c gia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u1ede \u0110\u00f4ng Nam \u00c1, m\u1ed9t s\u1ed1 qu\u1ed1c gia nh\u01b0 Vi\u1ec7t Nam, Singapore v\u00e0 Malaysia kh\u00f4ng \u00e1p d\u1ee5ng thu\u1ebf \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t t\u1eeb ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n. Trong khi \u0111\u00f3, c\u00e1c qu\u1ed1c gia kh\u00e1c l\u1ea1i c\u00f3 ch\u00ednh s\u00e1ch thu\u1ebf ri\u00eang cho l\u00e3i su\u1ea5t t\u1eeb ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh thu\u1ebf su\u1ea5t t\u1ea1i m\u1ed9t s\u1ed1 qu\u1ed1c gia trong khu v\u1ef1c:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Qu\u1ed1c gia<\/th>\n<th colspan=\"1\" rowspan=\"1\">Thu\u1ebf su\u1ea5t c\u00e1 nh\u00e2n<\/th>\n<th colspan=\"1\" rowspan=\"1\">Thu\u1ebf su\u1ea5t doanh nghi\u1ec7p<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ghi ch\u00fa<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Vi\u1ec7t Nam<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf cho c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Singapore<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">17%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf cho c\u00e1 nh\u00e2n, thu\u1ebf doanh nghi\u1ec7p th\u1ea5p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Malaysia<\/td>\n<td colspan=\"1\" rowspan=\"1\">0%<\/td>\n<td colspan=\"1\" rowspan=\"1\">24%<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mi\u1ec5n thu\u1ebf cho ti\u1ec1n g\u1eedi trong n\u01b0\u1edbc<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Indonesia<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">25%<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u00c1p d\u1ee5ng thu\u1ebf cho m\u1ecdi kho\u1ea3n ti\u1ec1n g\u1eedi<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u00e1i Lan<\/td>\n<td colspan=\"1\" rowspan=\"1\">15%<\/td>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">C\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb thu\u1ebf c\u01a1 b\u1ea3n cho c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ti\u1ebfp theo, h\u00e3y c\u00f9ng xem x\u00e9t nh\u1eefng l\u1ee3i \u00edch v\u00e0 h\u1ea1n ch\u1ebf c\u1ee7a ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf \u0111\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uu_diem_va_han_che\"><\/span>\u01afu \u0111i\u1ec3m v\u00e0 h\u1ea1n ch\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>\u01afu \u0111i\u1ec3m:<\/strong><\/p>\n<ul>\n<li>Khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, t\u0103ng l\u01b0\u1ee3ng v\u1ed1n l\u01b0u th\u00f4ng trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh.<\/li>\n<li>\u0110\u1ea3m b\u1ea3o ng\u01b0\u1eddi g\u1eedi ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 l\u00e3i su\u1ea5t, kh\u00f4ng b\u1ecb gi\u1ea3m b\u1edfi thu\u1ebf.<\/li>\n<li>Gi\u1ea3m b\u1edbt th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn k\u00ea khai v\u00e0 thu thu\u1ebf.<\/li>\n<\/ul>\n<p><strong>H\u1ea1n ch\u1ebf:<\/strong><\/p>\n<ul>\n<li>L\u00e0m gi\u1ea3m ngu\u1ed3n thu ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li>T\u1ea1o ra s\u1ef1 kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u khi so s\u00e1nh v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00e1c.<\/li>\n<li>G\u00e2y kh\u00f3 kh\u0103n trong vi\u1ec7c ki\u1ec3m so\u00e1t ngu\u1ed3n g\u1ed1c s\u1ed1 ti\u1ec1n g\u1eedi.<\/li>\n<\/ul>\n<p>Ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay gi\u00fap ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 th\u00fac \u0111\u1ea9y s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, trong t\u01b0\u01a1ng lai, c\u00f3 th\u1ec3 c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 c\u00e2n b\u1eb1ng gi\u1eefa l\u1ee3i \u00edch c\u00e1 nh\u00e2n v\u00e0 y\u00eau c\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh qu\u1ed1c gia.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n        <p class=\"my-3\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n        <p class=\"my-3\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"Thao_luan_ve_chinh_sach_thue_trong_tuong_lai\"><\/span>Th\u1ea3o lu\u1eadn v\u1ec1 ch\u00ednh s\u00e1ch thu\u1ebf trong t\u01b0\u01a1ng lai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ph\u1ea7n n\u00e0y t\u1eadp trung v\u00e0o kh\u1ea3 n\u0103ng thay \u0111\u1ed5i ch\u00ednh s\u00e1ch thu\u1ebf, \u0111\u1eb7c bi\u1ec7t li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n, v\u00e0 c\u00e1c t\u00e1c \u0111\u1ed9ng ti\u1ec1m n\u0103ng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ly_do_ung_ho_ap_dung_thue\"><\/span>L\u00fd do \u1ee7ng h\u1ed9 \u00e1p d\u1ee5ng thu\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Vi\u1ec7c \u00e1p d\u1ee5ng m\u1ee9c thu\u1ebf nh\u1eb9 \u0111\u1ed1i v\u1edbi l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c cho l\u00e0 mang l\u1ea1i m\u1ed9t s\u1ed1 l\u1ee3i \u00edch:<\/p>\n<ul>\n<li><strong>T\u0103ng ngu\u1ed3n thu ng\u00e2n s\u00e1ch<\/strong>: \u0110\u00f3ng g\u00f3p th\u00eam ngu\u1ed3n thu cho ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li><strong>\u0110\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng<\/strong>: T\u1ea1o s\u1ef1 c\u00e2n b\u1eb1ng gi\u1eefa c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 nh\u01b0 ch\u1ee9ng kho\u00e1n v\u00e0 tr\u00e1i phi\u1ebfu.<\/li>\n<li><strong>Ph\u00f9 h\u1ee3p xu h\u01b0\u1edbng qu\u1ed1c t\u1ebf<\/strong>: Theo k\u1ecbp c\u00e1c thay \u0111\u1ed5i ch\u00ednh s\u00e1ch thu\u1ebf \u1edf nhi\u1ec1u qu\u1ed1c gia kh\u00e1c.<\/li>\n<\/ul>\n<p>Tuy nhi\u00ean, b\u00ean c\u1ea1nh \u0111\u00f3, v\u1eabn c\u00f3 \u00fd ki\u1ebfn cho r\u1eb1ng n\u00ean duy tr\u00ec ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ly_do_giu_nguyen_chinh_sach_mien_thue\"><\/span>L\u00fd do gi\u1eef nguy\u00ean ch\u00ednh s\u00e1ch mi\u1ec5n thu\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nh\u1eefng l\u00fd do \u0111\u1ec3 ti\u1ebfp t\u1ee5c mi\u1ec5n thu\u1ebf bao g\u1ed3m:<\/p>\n<ul>\n<li><strong>B\u1ea3o v\u1ec7 ng\u01b0\u1eddi g\u1eedi ti\u1ec1n<\/strong>: Gi\u00fap ng\u01b0\u1eddi d\u00e2n \u0111\u1ed1i ph\u00f3 v\u1edbi l\u1ea1m ph\u00e1t v\u00e0 c\u00e1c bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf.<\/li>\n<li><strong>\u0110\u1ea3m b\u1ea3o ngu\u1ed3n v\u1ed1n \u1ed5n \u0111\u1ecbnh<\/strong>: Gi\u1eef \u1ed5n \u0111\u1ecbnh d\u00f2ng v\u1ed1n trong b\u1ed1i c\u1ea3nh ch\u00ednh s\u00e1ch thay \u0111\u1ed5i.<\/li>\n<li><strong>\u0110\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c<\/strong>: Gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng h\u00e0nh ch\u00ednh cho c\u1ea3 ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u01a1 quan thu\u1ebf.<\/li>\n<\/ul>\n<p>Ngo\u00e0i ra, b\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o trong ch\u00ednh s\u00e1ch thu\u1ebf c\u0169ng c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u00e1ch ng\u01b0\u1eddi d\u00e2n ti\u1ebft ki\u1ec7m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Anh_huong_den_thoi_quen_tiet_kiem\"><\/span>\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn th\u00f3i quen ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh thu\u1ebf kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u00e2n s\u00e1ch m\u00e0 c\u00f2n t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn h\u00e0nh vi ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a ng\u01b0\u1eddi d\u00e2n:<\/p>\n<ul>\n<li><strong>Thay \u0111\u1ed5i k\u00eanh \u0111\u1ea7u t\u01b0<\/strong>: Ng\u01b0\u1eddi d\u00e2n c\u00f3 th\u1ec3 chuy\u1ec3n sang c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 kh\u00e1c c\u00f3 l\u1ee3i nhu\u1eadn cao h\u01a1n.<\/li>\n<li><strong>\u0110i\u1ec1u ch\u1ec9nh k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n<\/strong>: T\u00ecm c\u00e1ch t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn sau thu\u1ebf b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i k\u1ef3 h\u1ea1n g\u1eedi.<\/li>\n<li><strong>T\u00ecm hi\u1ec3u c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh<\/strong>: \u0110a d\u1ea1ng h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/li>\n<\/ul>\n<p>Nh\u1eefng y\u1ebfu t\u1ed1 tr\u00ean c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_toi_uu_loi_nhuan_tu_tien_gui\"><\/span>C\u00e1ch t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n g\u1eedi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec3u r\u00f5 c\u00e1c quy \u0111\u1ecbnh thu\u1ebf v\u00e0 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u00e3i su\u1ea5t l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u quan tr\u1ecdng. Ti\u1ebfp theo, b\u1ea1n c\u1ea7n t\u00ecm c\u00e1ch t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn t\u1eeb kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a m\u00ecnh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chon_ky_han_gui_tien_hop_ly\"><\/span>Ch\u1ecdn k\u1ef3 h\u1ea1n g\u1eedi ti\u1ec1n h\u1ee3p l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u1ef1a tr\u00ean m\u1ee9c l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc c\u00e1c k\u1ef3 h\u1ea1n sau:<\/p>\n<ul>\n<li><strong>K\u1ef3 h\u1ea1n 12 th\u00e1ng<\/strong>: Ph\u00f9 h\u1ee3p n\u1ebfu b\u1ea1n mu\u1ed1n nh\u1eadn l\u00e3i su\u1ea5t cao nh\u1ea5t (4,40-5,80%\/n\u0103m).<\/li>\n<li><strong>K\u1ef3 h\u1ea1n 6-9 th\u00e1ng<\/strong>: L\u1ef1a ch\u1ecdn t\u1ed1t cho c\u00e1c m\u1ee5c ti\u00eau trung h\u1ea1n (4,50-5,50%\/n\u0103m).<\/li>\n<li><strong>K\u1ef3 h\u1ea1n 1-3 th\u00e1ng<\/strong>: Linh ho\u1ea1t h\u01a1n, ph\u00f9 h\u1ee3p n\u1ebfu b\u1ea1n c\u1ea7n thanh kho\u1ea3n nhanh (2,20-4,40%\/n\u0103m).<\/li>\n<\/ul>\n<p>N\u1ebfu \u01b0u ti\u00ean t\u00ednh thanh kho\u1ea3n, h\u00e3y c\u00e2n nh\u1eafc k\u1ef3 h\u1ea1n ng\u1eafn ho\u1eb7c t\u00e0i kho\u1ea3n kh\u00f4ng k\u1ef3 h\u1ea1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_lai_suat_giua_cac_ngan_hang\"><\/span>So s\u00e1nh l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng l\u00e3i su\u1ea5t t\u1eeb m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng n\u1ed5i b\u1eadt:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ng\u00e2n h\u00e0ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">VietBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,80<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">OceanBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,80<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ABBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,70<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">CBBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,60<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">HDBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,60<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0110\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn, b\u1ea1n n\u00ean:<\/p>\n<ul>\n<li>So s\u00e1nh l\u00e3i su\u1ea5t c\u1ee7a \u00edt nh\u1ea5t 3-5 ng\u00e2n h\u00e0ng.<\/li>\n<li>Theo d\u00f5i c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t.<\/li>\n<li>\u0110\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 uy t\u00edn v\u00e0 an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Tan_dung_nen_tang_Infina\"><\/span>T\u1eadn d\u1ee5ng n\u1ec1n t\u1ea3ng <a class=\"\" href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 nh\u01b0 Infina c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd v\u00e0 t\u1ed1i \u01b0u kho\u1ea3n ti\u1ec1n g\u1eedi m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n:<\/p>\n<ul>\n<li><strong>L\u00e3i su\u1ea5t linh ho\u1ea1t 4,90%\/n\u0103m<\/strong> cho t\u00e0i kho\u1ea3n kh\u00f4ng k\u1ef3 h\u1ea1n, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng (\u22640,5%\/n\u0103m).<\/li>\n<li><strong>T\u00ednh l\u00e3i v\u00e0 tr\u1ea3 l\u00e3i h\u00e0ng ng\u00e0y<\/strong>, \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn t\u1ed1i \u0111a.<\/li>\n<li><strong>So s\u00e1nh l\u00e3i su\u1ea5t t\u1eeb nhi\u1ec1u ng\u00e2n h\u00e0ng<\/strong> ngay tr\u00ean c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng.<\/li>\n<li>Qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n d\u1ec5 d\u00e0ng, t\u1eadp trung tr\u00ean m\u1ed9t \u1ee9ng d\u1ee5ng duy nh\u1ea5t.<\/li>\n<\/ul>\n<p>N\u1ebfu b\u1ea1n c\u1ea7n m\u1ed9t gi\u1ea3i ph\u00e1p linh ho\u1ea1t v\u00e0 hi\u1ec7u qu\u1ea3, t\u00e0i kho\u1ea3n sinh l\u1eddi tr\u00ean Infina l\u00e0 l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc \u0111\u1ec3 v\u1eeba t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn, v\u1eeba duy tr\u00ec kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tom_tat\"><\/span>T\u00f3m t\u1eaft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec7n t\u1ea1i, ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n \u1edf Vi\u1ec7t Nam kh\u00f4ng b\u1ecb \u00e1p thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, gi\u00fap t\u0103ng l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ebft ki\u1ec7m.<\/p>\n<p>\u0110\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ebft ki\u1ec7m, b\u1ea1n c\u1ea7n c\u00e2n nh\u1eafc c\u00e1c y\u1ebfu t\u1ed1 sau:<\/p>\n<ul>\n<li><strong>K\u1ef3 h\u1ea1n g\u1eedi<\/strong>: L\u1ef1a ch\u1ecdn k\u1ef3 h\u1ea1n ph\u00f9 h\u1ee3p \u0111\u1ec3 h\u01b0\u1edfng l\u00e3i su\u1ea5t cao nh\u1ea5t.<\/li>\n<li><strong>L\u00e3i su\u1ea5t<\/strong>: So s\u00e1nh m\u1ee9c l\u00e3i su\u1ea5t gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 ch\u1ecdn l\u1ef1a t\u1ed1t nh\u1ea5t.<\/li>\n<li><strong>H\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m<\/strong>: \u0110\u00e1nh gi\u00e1 lo\u1ea1i h\u00ecnh ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a b\u1ea1n.<\/li>\n<li><strong>C\u00e1ch t\u00ednh l\u00e3i<\/strong>: Hi\u1ec3u r\u00f5 ph\u01b0\u01a1ng th\u1ee9c t\u00ednh v\u00e0 tr\u1ea3 l\u00e3i c\u1ee7a t\u1eebng s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m.<\/li>\n<\/ul>\n<p>Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T&oacute;m t&#7855;t nhanh: C&aacute; nh&acirc;n: Kh&ocirc;ng b&#7883; &#273;&aacute;nh thu&#7871; tr&ecirc;n l&atilde;i su&#7845;t ti&#7873;n g&#7917;i c&oacute; k&#7923; h&#7841;n. Doanh nghi&#7879;p: L&atilde;i su&#7845;t ti&#7873;n g&#7917;i c&oacute; k&#7923; h&#7841;n ch&#7883;u thu&#7871; thu nh&#7853;p doanh nghi&#7879;p (TNDN) &#7903; m&#7913;c 20%. V&iacute; d&#7909; minh h&#7885;a: C&aacute; nh&acirc;n g&#7917;i 100 tri&#7879;u &#273;&#7891;ng v&#7899;i l&atilde;i su&#7845;t 5,8%\/n&#259;m, nh&#7853;n l&atilde;i 5,8 tri&#7879;u &#273;&#7891;ng. [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26539,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26538","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26538","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\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=26538"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26538\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26539"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26538"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26538"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26538"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}