{"id":26852,"date":"2025-04-08T10:36:03","date_gmt":"2025-04-08T03:36:03","guid":{"rendered":"https:\/\/infina.vn\/blog\/?p=26852"},"modified":"2025-04-08T10:36:03","modified_gmt":"2025-04-08T03:36:03","slug":"cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/","title":{"rendered":"C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m h\u00e0ng ng\u00e0y"},"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;26852&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;C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m h\u00e0ng ng\u00e0y&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<p><strong>B\u1ea1n mu\u1ed1n bi\u1ebft c\u00e1ch t\u1ed1i \u01b0u h\u00f3a kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh?<\/strong> C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m h\u00e0ng ng\u00e0y gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng theo d\u00f5i v\u00e0 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n g\u1eedi. \u0110\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m ch\u00ednh b\u1ea1n c\u1ea7n bi\u1ebft:<\/p>\n<ul>\n<li><strong>L\u00e3i su\u1ea5t h\u00e0ng ng\u00e0y<\/strong>: Ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n m\u1ed7i ng\u00e0y, t\u1ea1o hi\u1ec7u \u1ee9ng l\u00e3i k\u00e9p.<\/li>\n<li><strong>L\u1ee3i \u00edch<\/strong>:\n<ul>\n<li>R\u00fat ti\u1ec1n linh ho\u1ea1t m\u00e0 v\u1eabn gi\u1eef l\u00e3i \u0111\u00e3 t\u00edch l\u0169y.<\/li>\n<li>Theo d\u00f5i ti\u1ec1n l\u00e3i ph\u00e1t sinh m\u1ed7i ng\u00e0y.<\/li>\n<li>T\u0103ng l\u1ee3i nhu\u1eadn nh\u1edd l\u00e3i k\u00e9p.<\/li>\n<\/ul>\n<\/li>\n<li><strong>C\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3<\/strong>:\n<ul>\n<li>C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i tr\u1ef1c tuy\u1ebfn.<\/li>\n<li>\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng v\u1edbi t\u00ednh n\u0103ng theo d\u00f5i theo th\u1eddi gian th\u1ef1c.<\/li>\n<li>M\u1eabu t\u00ednh Excel \u0111\u1ec3 t\u00f9y ch\u1ec9nh v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch d\u00e0i h\u1ea1n.<\/li>\n<\/ul>\n<\/li>\n<li><strong>L\u00e3i su\u1ea5t tham kh\u1ea3o<\/strong>: T\u00e0i kho\u1ea3n sinh l\u1eddi t\u1ea1i <a class=\"\" href=\"https:\/\/infina.vn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Infina<\/a> c\u00f3 l\u00e3i su\u1ea5t 4,9%\/n\u0103m, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c \u22640,5%\/n\u0103m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/li>\n<\/ul>\n<p><strong>B\u1eaft \u0111\u1ea7u ngay b\u1eb1ng c\u00e1ch nh\u1eadp s\u1ed1 ti\u1ec1n g\u1ed1c, l\u00e3i su\u1ea5t v\u00e0 k\u1ef3 h\u1ea1n \u0111\u1ec3 t\u00ednh to\u00e1n l\u1ee3i nhu\u1eadn ti\u1ec1m n\u0103ng.<\/strong><\/p>\n<div class=\"sb-iframe-wrapper\" contenteditable=\"false\"><\/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' ><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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cac_cong_cu_tinh_lai_suat_pho_bien\" title=\"C\u00e1c c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ph\u1ed5 bi\u1ebfn\">C\u00e1c c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ph\u1ed5 bi\u1ebfn<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cong_cu_tinh_lai_truc_tuyen\" title=\"C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i tr\u1ef1c tuy\u1ebfn\">C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i tr\u1ef1c tuy\u1ebfn<\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Ung_dung_di_dong\" title=\"\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng\">\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Mau_tinh_lai_tren_Excel\" title=\"M\u1eabu t\u00ednh l\u00e3i tr\u00ean Excel\">M\u1eabu t\u00ednh l\u00e3i tr\u00ean Excel<\/a><\/li><\/ul><\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Su_dung_cong_cu_tinh_lai_suat\" title=\"S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t\">S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Thong_tin_can_chuan_bi\" title=\"Th\u00f4ng tin c\u1ea7n chu\u1ea9n b\u1ecb\">Th\u00f4ng tin c\u1ea7n chu\u1ea9n b\u1ecb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cach_doc_ket_qua_tinh_toan\" title=\"C\u00e1ch \u0111\u1ecdc k\u1ebft qu\u1ea3 t\u00ednh to\u00e1n\">C\u00e1ch \u0111\u1ecdc k\u1ebft qu\u1ea3 t\u00ednh to\u00e1n<\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cac_tinh_nang_khac\" title=\"C\u00e1c t\u00ednh n\u0103ng kh\u00e1c\">C\u00e1c t\u00ednh n\u0103ng kh\u00e1c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cach_tang_loi_nhuan_tu_lai_suat\" title=\"C\u00e1ch t\u0103ng l\u1ee3i nhu\u1eadn t\u1eeb l\u00e3i su\u1ea5t\">C\u00e1ch t\u0103ng l\u1ee3i nhu\u1eadn t\u1eeb l\u00e3i su\u1ea5t<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Anh_huong_cua_thoi_gian_gui_tien\" title=\"\u1ea2nh h\u01b0\u1edfng c\u1ee7a th\u1eddi gian g\u1eedi ti\u1ec1n\">\u1ea2nh h\u01b0\u1edfng c\u1ee7a th\u1eddi gian g\u1eedi ti\u1ec1n<\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Tac_dong_cua_gui_tien_dinh_ky\" title=\"T\u00e1c \u0111\u1ed9ng c\u1ee7a g\u1eedi ti\u1ec1n \u0111\u1ecbnh k\u1ef3\">T\u00e1c \u0111\u1ed9ng c\u1ee7a g\u1eedi ti\u1ec1n \u0111\u1ecbnh k\u1ef3<\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Tang_truong_tu_lai_kep\" title=\"T\u0103ng tr\u01b0\u1edfng t\u1eeb l\u00e3i k\u00e9p\">T\u0103ng tr\u01b0\u1edfng t\u1eeb l\u00e3i k\u00e9p<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Nhung_diem_quan_trong_de_tinh_toan_chinh_xac\" title=\"Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng \u0111\u1ec3 t\u00ednh to\u00e1n ch\u00ednh x\u00e1c\">Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng \u0111\u1ec3 t\u00ednh to\u00e1n ch\u00ednh x\u00e1c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cac_yeu_to_anh_huong_den_lai_suat\" title=\"C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t\">C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Cap_nhat_lai_suat\" title=\"C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t\">C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t<\/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\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Quy_dinh_va_gioi_han\" title=\"Quy \u0111\u1ecbnh v\u00e0 gi\u1edbi h\u1ea1n\">Quy \u0111\u1ecbnh v\u00e0 gi\u1edbi h\u1ea1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Nhung_diem_quan_trong\" title=\"Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng\">Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/cong-cu-tinh-lai-suat-tiet-kiem-hang-ngay-tc\/#Huong_dan_bat_dau\" title=\"H\u01b0\u1edbng d\u1eabn b\u1eaft \u0111\u1ea7u\">H\u01b0\u1edbng d\u1eabn b\u1eaft \u0111\u1ea7u<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Cac_cong_cu_tinh_lai_suat_pho_bien\"><\/span>C\u00e1c c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ph\u1ed5 bi\u1ebfn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u c\u00f4ng c\u1ee5 gi\u00fap b\u1ea1n t\u00ednh to\u00e1n l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m h\u00e0ng ng\u00e0y, h\u1ed7 tr\u1ee3 theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd kho\u1ea3n ti\u1ec1n g\u1eedi m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c lo\u1ea1i c\u00f4ng c\u1ee5 ph\u1ed5 bi\u1ebfn.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cong_cu_tinh_lai_truc_tuyen\"><\/span>C\u00f4ng c\u1ee5 t\u00ednh l\u00e3i tr\u1ef1c tuy\u1ebfn<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y r\u1ea5t d\u1ec5 s\u1eed d\u1ee5ng v\u00e0 c\u00f3 th\u1ec3 truy c\u1eadp t\u1eeb b\u1ea5t k\u1ef3 thi\u1ebft b\u1ecb n\u00e0o k\u1ebft n\u1ed1i internet. B\u1ea1n ch\u1ec9 c\u1ea7n nh\u1eadp c\u00e1c th\u00f4ng s\u1ed1 nh\u01b0 s\u1ed1 ti\u1ec1n g\u1ed1c, l\u00e3i su\u1ea5t, k\u1ef3 h\u1ea1n, t\u1ea7n su\u1ea5t tr\u1ea3 l\u00e3i v\u00e0 ph\u01b0\u01a1ng th\u1ee9c t\u00ednh (\u0111\u01a1n ho\u1eb7c k\u00e9p) \u0111\u1ec3 nh\u1eadn k\u1ebft qu\u1ea3 ngay l\u1eadp t\u1ee9c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ung_dung_di_dong\"><\/span>\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u1ee8ng d\u1ee5ng di \u0111\u1ed9ng l\u00e0 gi\u1ea3i ph\u00e1p ti\u1ec7n l\u1ee3i \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m. V\u00ed d\u1ee5, <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> cung c\u1ea5p t\u00e0i kho\u1ea3n sinh l\u1eddi v\u1edbi l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh t\u00ednh theo ng\u00e0y. M\u1ed9t s\u1ed1 t\u00ednh n\u0103ng n\u1ed5i b\u1eadt c\u1ee7a \u1ee9ng d\u1ee5ng bao g\u1ed3m:<\/p>\n<ul>\n<li>Theo d\u00f5i s\u1ed1 d\u01b0 v\u00e0 l\u00e3i su\u1ea5t theo th\u1eddi gian th\u1ef1c.<\/li>\n<li>Nh\u1eadn th\u00f4ng b\u00e1o khi c\u00f3 thay \u0111\u1ed5i quan tr\u1ecdng.<\/li>\n<li>Qu\u1ea3n l\u00fd nhi\u1ec1u t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u00f9ng l\u00fac.<\/li>\n<li>Xem b\u00e1o c\u00e1o chi ti\u1ebft v\u1ec1 l\u00e3i su\u1ea5t.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Mau_tinh_lai_tren_Excel\"><\/span>M\u1eabu t\u00ednh l\u00e3i tr\u00ean Excel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Excel l\u00e0 c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd \u0111\u1ec3 t\u1ea1o b\u1ea3ng t\u00ednh l\u00e3i su\u1ea5t t\u00f9y ch\u1ec9nh. V\u1edbi Excel, b\u1ea1n c\u00f3 th\u1ec3:<\/p>\n<ul>\n<li>S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng lo\u1ea1i s\u1ea3n ph\u1ea9m.<\/li>\n<li>Theo d\u00f5i bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 v\u00e0 l\u00e3i h\u00e0ng ng\u00e0y.<\/li>\n<li>So s\u00e1nh hi\u1ec7u qu\u1ea3 gi\u1eefa c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/li>\n<li>L\u1eadp k\u1ebf ho\u1ea1ch d\u00e0i h\u1ea1n b\u1eb1ng c\u00e1ch th\u1eed nghi\u1ec7m c\u00e1c k\u1ecbch b\u1ea3n l\u00e3i su\u1ea5t kh\u00e1c nhau.<\/li>\n<\/ul>\n<p>Vi\u1ec7c ch\u1ecdn c\u00f4ng c\u1ee5 ph\u00f9 h\u1ee3p s\u1ebd gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd kho\u1ea3n ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 h\u01a1n, t\u00f9y theo nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. M\u1ed7i c\u00f4ng c\u1ee5 \u0111\u1ec1u c\u00f3 nh\u1eefng \u0111i\u1ec3m m\u1ea1nh ri\u00eang, h\u00e3y c\u00e2n nh\u1eafc \u0111\u1ec3 \u0111\u01b0a ra l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Su_dung_cong_cu_tinh_lai_suat\"><\/span>S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u c\u00e1ch nh\u1eadp th\u00f4ng tin v\u00e0 hi\u1ec3u k\u1ebft qu\u1ea3 t\u1eeb c\u00e1c c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t \u0111\u1ec3 qu\u1ea3n l\u00fd kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thong_tin_can_chuan_bi\"><\/span>Th\u00f4ng tin c\u1ea7n chu\u1ea9n b\u1ecb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 t\u00ednh l\u00e3i su\u1ea5t ch\u00ednh x\u00e1c, b\u1ea1n c\u1ea7n cung c\u1ea5p c\u00e1c th\u00f4ng tin sau:<\/p>\n<ul>\n<li>S\u1ed1 ti\u1ec1n g\u1eedi ban \u0111\u1ea7u<\/li>\n<li>L\u00e3i su\u1ea5t n\u0103m (%)<\/li>\n<li>Th\u1eddi gian g\u1eedi ti\u1ec1n<\/li>\n<li>Ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i (\u0111\u01a1n ho\u1eb7c k\u00e9p)<\/li>\n<li>T\u1ea7n su\u1ea5t tr\u1ea3 l\u00e3i (h\u00e0ng ng\u00e0y, h\u00e0ng th\u00e1ng, v.v.)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cach_doc_ket_qua_tinh_toan\"><\/span>C\u00e1ch \u0111\u1ecdc k\u1ebft qu\u1ea3 t\u00ednh to\u00e1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Khi s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i, b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c th\u00f4ng s\u1ed1 quan tr\u1ecdng nh\u01b0:<\/p>\n<p><strong>L\u00e3i su\u1ea5t h\u00e0ng ng\u00e0y<\/strong>: Ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c t\u00ednh v\u00e0 c\u1ed9ng v\u00e0o s\u1ed1 d\u01b0 m\u1ed7i ng\u00e0y.<br \/>\n<strong>T\u1ed5ng ti\u1ec1n l\u00e3i<\/strong>: T\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e3i b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c sau khi k\u1ef3 h\u1ea1n k\u1ebft th\u00fac.<br \/>\n<strong>T\u1ed5ng s\u1ed1 d\u01b0<\/strong>: Bao g\u1ed3m c\u1ea3 s\u1ed1 ti\u1ec1n g\u1ed1c ban \u0111\u1ea7u v\u00e0 ti\u1ec1n l\u00e3i t\u00edch l\u0169y.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i th\u00f4ng tin<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u00f4 t\u1ea3<\/th>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed d\u1ee5<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t th\u1ef1c t\u1ebf<\/td>\n<td colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t sau khi tr\u1eeb c\u00e1c kho\u1ea3n ph\u00ed (n\u1ebfu c\u00f3)<\/td>\n<td colspan=\"1\" rowspan=\"1\">4,9%\/n\u0103m<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chu k\u1ef3 t\u00ednh l\u00e3i<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ea7n su\u1ea5t c\u1ed9ng l\u00e3i v\u00e0o g\u1ed1c<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u00e0ng ng\u00e0y<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u1eddi gian \u0111\u00e1o h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ng\u00e0y nh\u1eadn l\u1ea1i ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i<\/td>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f4ng k\u1ef3 h\u1ea1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Cac_tinh_nang_khac\"><\/span>C\u00e1c t\u00ednh n\u0103ng kh\u00e1c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nhi\u1ec1u c\u00f4ng c\u1ee5 c\u00f2n cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng h\u1eefu \u00edch nh\u01b0: so s\u00e1nh l\u00e3i su\u1ea5t, bi\u1ec3u \u0111\u1ed3 t\u0103ng tr\u01b0\u1edfng, m\u00f4 ph\u1ecfng c\u00e1c k\u1ecbch b\u1ea3n kh\u00e1c nhau v\u00e0 b\u00e1o c\u00e1o chi ti\u1ebft. Nh\u1eefng t\u00ednh n\u0103ng n\u00e0y gi\u00fap b\u1ea1n theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh sao cho ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n.<\/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 Infina 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=\"Cach_tang_loi_nhuan_tu_lai_suat\"><\/span>C\u00e1ch t\u0103ng l\u1ee3i nhu\u1eadn t\u1eeb l\u00e3i su\u1ea5t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>V\u1edbi t\u00e0i kho\u1ea3n sinh l\u1eddi t\u1ea1i Infina, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng nhi\u1ec1u ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb ti\u1ec1n g\u1eedi.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Anh_huong_cua_thoi_gian_gui_tien\"><\/span>\u1ea2nh h\u01b0\u1edfng c\u1ee7a th\u1eddi gian g\u1eedi ti\u1ec1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00e0i kho\u1ea3n sinh l\u1eddi cung c\u1ea5p c\u00e1c k\u1ef3 h\u1ea1n linh ho\u1ea1t v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">K\u1ef3 h\u1ea1n<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f4ng k\u1ef3 h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">4,90<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">1 th\u00e1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,10<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">3 th\u00e1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,40<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">6 th\u00e1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,60<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">9 th\u00e1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,60<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">12 th\u00e1ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">5,70<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>L\u00e3i su\u1ea5t t\u0103ng d\u1ea7n theo k\u1ef3 h\u1ea1n, \u0111\u1ea1t m\u1ee9c cao nh\u1ea5t l\u00e0 5,70%\/n\u0103m khi g\u1eedi 12 th\u00e1ng, cao h\u01a1n 0,80% so v\u1edbi g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y, vi\u1ec7c ch\u1ecdn k\u1ef3 h\u1ea1n d\u00e0i h\u01a1n c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch t\u00e0i ch\u00ednh l\u1edbn h\u01a1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tac_dong_cua_gui_tien_dinh_ky\"><\/span>T\u00e1c \u0111\u1ed9ng c\u1ee7a g\u1eedi ti\u1ec1n \u0111\u1ecbnh k\u1ef3<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u00ean c\u1ea1nh k\u1ef3 h\u1ea1n, vi\u1ec7c g\u1eedi ti\u1ec1n \u0111\u1ecbnh k\u1ef3 c\u0169ng gi\u00fap t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 d\u01b0 g\u1ed1c v\u00e0 l\u1ee3i nhu\u1eadn. V\u1edbi l\u00e3i su\u1ea5t 4,90%\/n\u0103m cho ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, \u0111\u00e2y l\u00e0 c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 duy tr\u00ec d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh.<\/p>\n<p>V\u00ed d\u1ee5 minh h\u1ecda:<\/p>\n<ul>\n<li><strong>S\u1ed1 ti\u1ec1n ban \u0111\u1ea7u<\/strong>: 10.000.000\u20ab<\/li>\n<li><strong>G\u1eedi th\u00eam m\u1ed7i th\u00e1ng<\/strong>: 2.000.000\u20ab<\/li>\n<li><strong>L\u00e3i su\u1ea5t<\/strong>: 4,90%\/n\u0103m<\/li>\n<li><strong>T\u00ednh l\u00e3i<\/strong>: H\u00e0ng ng\u00e0y<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Tang_truong_tu_lai_kep\"><\/span>T\u0103ng tr\u01b0\u1edfng t\u1eeb l\u00e3i k\u00e9p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hi\u1ec7u \u1ee9ng l\u00e3i k\u00e9p l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng gi\u00fap s\u1ed1 d\u01b0 c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng. L\u00e3i k\u00e9p kh\u00f4ng ch\u1ec9 t\u00ednh tr\u00ean s\u1ed1 ti\u1ec1n g\u1ed1c m\u00e0 c\u00f2n tr\u00ean c\u1ea3 ti\u1ec1n l\u00e3i \u0111\u00e3 t\u00edch l\u0169y tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n<p>V\u1edbi c\u00e1ch t\u00ednh l\u00e3i h\u00e0ng ng\u00e0y, ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n ngay l\u1eadp t\u1ee9c v\u00e0o s\u1ed1 d\u01b0 g\u1ed1c, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ed1 d\u01b0 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd. Nh\u1edd v\u1eady, t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n s\u1ebd sinh l\u1eddi hi\u1ec7u qu\u1ea3 h\u01a1n, t\u1eebng ng\u00e0y m\u1ed9t. L\u00e3i k\u00e9p ch\u00ednh l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a gi\u00e1 tr\u1ecb kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a b\u1ea1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_diem_quan_trong_de_tinh_toan_chinh_xac\"><\/span>Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng \u0111\u1ec3 t\u00ednh to\u00e1n ch\u00ednh x\u00e1c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb kho\u1ea3n ti\u1ebft ki\u1ec7m, vi\u1ec7c hi\u1ec3u r\u00f5 v\u00e0 c\u1eadp nh\u1eadt c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_yeu_to_anh_huong_den_lai_suat\"><\/span>C\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u00e3i su\u1ea5t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 th\u01b0\u1eddng xuy\u00ean thay \u0111\u1ed5i. V\u00ed d\u1ee5, Infina hi\u1ec7n cung c\u1ea5p m\u1ee9c l\u00e3i su\u1ea5t 4,90%\/n\u0103m, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c l\u00e3i d\u01b0\u1edbi 0,5%\/n\u0103m c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. V\u00ec v\u1eady, vi\u1ec7c theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt l\u00e3i su\u1ea5t m\u1edbi nh\u1ea5t l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cap_nhat_lai_suat\"><\/span>C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u00e3i su\u1ea5t (%\/n\u0103m)<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Infina<\/td>\n<td colspan=\"1\" rowspan=\"1\">4,90<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ABBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ACB<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">AgriBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">BacABank<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">BaoVietBank<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u2264 0,5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>H\u00e3y ki\u1ec3m tra ng\u00e0y c\u1eadp nh\u1eadt th\u00f4ng tin, x\u00e1c nh\u1eadn tr\u1ef1c ti\u1ebfp v\u1edbi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c th\u00f4ng s\u1ed1 ngay khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i v\u1ec1 l\u00e3i su\u1ea5t.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quy_dinh_va_gioi_han\"><\/span>Quy \u0111\u1ecbnh v\u00e0 gi\u1edbi h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kho\u1ea3n g\u1eedi c\u1ee7a b\u1ea1n:<\/p>\n<ul>\n<li><strong>S\u1ed1 d\u01b0 t\u1ed1i thi\u1ec3u<\/strong>: X\u00e1c \u0111\u1ecbnh m\u1ee9c s\u1ed1 d\u01b0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u00f4ng b\u1ed1.<\/li>\n<li><strong>Th\u1eddi gian g\u1eedi<\/strong>: Ch\u1ecdn k\u1ef3 h\u1ea1n g\u1eedi ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u1eadn d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t t\u1ed1t nh\u1ea5t.<\/li>\n<li><strong>Ph\u01b0\u01a1ng th\u1ee9c t\u00ednh l\u00e3i<\/strong>: Hi\u1ec3u r\u00f5 c\u00e1ch t\u00ednh l\u00e3i (h\u00e0ng ng\u00e0y, h\u00e0ng th\u00e1ng) \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c kho\u1ea3n l\u1ee3i nhu\u1eadn.<\/li>\n<\/ul>\n<p>Vi\u1ec7c n\u1eafm r\u00f5 c\u00e1c quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn m\u00e0 c\u00f2n tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng hi\u1ec3u l\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3 khi s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m.<\/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<h3><span class=\"ez-toc-section\" id=\"Nhung_diem_quan_trong\"><\/span>Nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m h\u00e0ng ng\u00e0y \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. V\u1edbi s\u1ef1 thay \u0111\u1ed5i th\u01b0\u1eddng xuy\u00ean c\u1ee7a l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng, vi\u1ec7c t\u00ednh to\u00e1n ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n l\u00e3i nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p>\n<p>T\u00f3m l\u1ea1i, c\u00f4ng c\u1ee5 n\u00e0y h\u1ed7 tr\u1ee3 b\u1ea1n:<\/p>\n<ul>\n<li>T\u00ednh to\u00e1n ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n l\u00e3i.<\/li>\n<li>So s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn ti\u1ebft ki\u1ec7m.<\/li>\n<li>L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Huong_dan_bat_dau\"><\/span>H\u01b0\u1edbng d\u1eabn b\u1eaft \u0111\u1ea7u<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc sau:<\/p>\n<ol>\n<li><strong>X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong>\n<ul>\n<li>\u0110\u1eb7t ra m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 v\u00e0 th\u1eddi gian \u0111\u1ea7u t\u01b0.<\/li>\n<li>Ch\u1ecdn h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u00e1 nh\u00e2n.<\/li>\n<\/ul>\n<\/li>\n<li><strong>S\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i<\/strong>\n<ul>\n<li>Nh\u1eadp \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u00f4ng s\u1ed1 c\u1ea7n thi\u1ebft:\n<ul>\n<li>S\u1ed1 ti\u1ec1n g\u1ed1c.<\/li>\n<li>L\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i.<\/li>\n<li>Th\u1eddi gian g\u1eedi ti\u1ebft ki\u1ec7m.<\/li>\n<li>T\u1ea7n su\u1ea5t g\u1eedi th\u00eam ti\u1ec1n (n\u1ebfu c\u00f3).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><strong>Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch<\/strong>\n<ul>\n<li>C\u1eadp nh\u1eadt th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m khi c\u1ea7n thi\u1ebft.<\/li>\n<li>T\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 t\u00ednh l\u00e3i hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng h\u01a1n.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>B&#7841;n mu&#7889;n bi&#7871;t c&aacute;ch t&#7889;i &#432;u h&oacute;a kho&#7843;n ti&#7871;t ki&#7879;m c&#7911;a m&igrave;nh? C&ocirc;ng c&#7909; t&iacute;nh l&atilde;i su&#7845;t ti&#7871;t ki&#7879;m h&agrave;ng ng&agrave;y gi&uacute;p b&#7841;n d&#7877; d&agrave;ng theo d&otilde;i v&agrave; t&#7889;i &#273;a h&oacute;a l&#7907;i nhu&#7853;n t&#7915; ti&#7873;n g&#7917;i. &#272;&acirc;y l&agrave; nh&#7919;ng &#273;i&#7875;m ch&iacute;nh b&#7841;n c&#7847;n bi&#7871;t: L&atilde;i su&#7845;t h&agrave;ng ng&agrave;y: Ti&#7873;n l&atilde;i &#273;&#432;&#7907;c c&#7897;ng d&#7891;n m&#7895;i ng&agrave;y, [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26853,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26852","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\/26852","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=26852"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26852\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26853"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}