{"id":4415,"date":"2024-01-11T16:21:06","date_gmt":"2024-01-11T09:21:06","guid":{"rendered":"https:\/\/infina.vn\/ho-tro\/?post_type=ht_kb&p=4415"},"modified":"2024-05-27T10:54:04","modified_gmt":"2024-05-27T03:54:04","slug":"mo-ta-tich-luy-khong-ky-han","status":"publish","type":"ht_kb","link":"https:\/\/infina.vn\/ho-tro\/dau-tu\/mo-ta-tich-luy-khong-ky-han\/","title":{"rendered":"M\u00f4 t\u1ea3"},"content":{"rendered":"

T\u00cdCH LU\u1ef8 KH\u00d4NG K\u1ef2 H\u1ea0N<\/span><\/h1>\n

1. Gi\u1edbi thi\u1ec7u<\/span><\/span><\/h2>\n

T\u00edch l\u0169y kh\u00f4ng k\u1ef3 h\u1ea1n l\u00e0 h\u00ecnh th\u1ee9c g\u1eedi t\u00edch lu\u1ef9 kh\u00f4ng \u1ea5n \u0111\u1ecbnh th\u1eddi gian\/ k\u1ef3 h\u1ea1n g\u1eedi. B\u1ea1n c\u00f3 th\u1ec3 r\u00fat m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n t\u00edch lu\u1ef9 b\u1ea5t c\u1ee9 l\u00fac n\u00e0o nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o gi\u1eef nguy\u00ean l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c ng\u00e0y \u0111\u00e3 g\u1eedi v\u1edbi m\u1ee9c l\u1ee3i nhu\u1eadn ban \u0111\u1ea7u.<\/p>\n

Thay v\u00ec gi\u1eef ti\u1ec1n nh\u00e0n r\u1ed7i trong ng\u00e2n h\u00e0ng v\u1edbi l\u1ee3i nhu\u1eadn ch\u1ec9 0.1%\/n\u0103m, b\u1ea1n c\u00f3 th\u1ec3 sinh l\u1eddi v\u1edbi l\u1ee3i nhu\u1eadn cao 4.3%\/n\u0103m<\/strong> (*) khi g\u1eedi T\u00edch l\u0169y kh\u00f4ng k\u1ef3 h\u1ea1n t\u1ea1i Infina.<\/p>\n

\ud83d\udd39 L\u1ee3i nhu\u1eadn: 4.3%\/n\u0103m<\/strong>. (*)<\/span><\/span><\/p>\n

(*): L\u1ee3i nhu\u1eadn \u01b0\u1edbc t\u00ednh, c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi k\u1ef3, \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean \u1ee9ng d\u1ee5ng Infina.<\/p>\n

\ud83d\udd39 K\u1ef3 h\u1ea1n: Kh\u00f4ng k\u1ef3 h\u1ea1n<\/strong>.<\/span><\/p>\n

\ud83d\udd39 C\u00e1c lo\u1ea1i ph\u00ed: Mi\u1ec5n ph\u00ed.<\/strong><\/span><\/p>\n

\ud83d\udd39 T\u00edch lu\u1ef9 t\u1ed1i \u0111a: 1 t\u1ef7 VND\/ t\u00e0i kho\u1ea3n.<\/strong><\/span><\/p>\n

\ud83d\udd39 T\u00edch lu\u1ef9 t\u1ed1i thi\u1ec3u: 200,000VND\/ giao d\u1ecbch<\/strong>.<\/span><\/p>\n

\ud83d\udd39 Th\u1eddi gian \u00e1p d\u1ee5ng l\u1ee3i nhu\u1eadn c\u1ee7a m\u1ed7i g\u00f3i t\u00edch lu\u1ef9 (*): 90 ng\u00e0y<\/strong><\/span><\/p>\n

(*)<\/em> V\u00ed d\u1ee5: V\u00e0o ng\u00e0y 01\/04\/2024<\/strong>, b\u1ea1n b\u1eaft \u0111\u1ea7u g\u00f3i T\u00edch lu\u1ef9 kh\u00f4ng k\u1ef3 h\u1ea1n v\u1edbi l\u1ee3i nhu\u1eadn 4.3%\/n\u0103m. L\u1ee3i nhu\u1eadn c\u1ee7a g\u00f3i t\u00edch lu\u1ef9 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c duy tr\u00ec kh\u00f4ng thay \u0111\u1ed5i cho \u0111\u1ebfn ng\u00e0y 01\/07\/2024<\/strong>. Tr\u01b0\u1eddng h\u1ee3p \u0111\u1ebfn 01\/07\/2024<\/strong>, Infina c\u00f3 thay \u0111\u1ed5i v\u1ec1 l\u1ee3i nhu\u1eadn l\u00ean 5.5%\/n\u0103m th\u00ec g\u00f3i t\u00edch l\u0169y kh\u00f4ng k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c m\u1edf v\u00e0o ng\u00e0y 01\/01\/2024<\/strong> s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh l\u1ee3i nhu\u1eadn 5.5%\/n\u0103m cho \u0111\u1ebfn 01\/10\/2024<\/strong>.<\/em><\/p>\n

\t\t

\r\n \t\t\t
V\u00cd D\u1ee4 T\u00cdCH LU\u1ef8 KH\u00d4NG K\u1ef2 H\u1ea0N<\/strong><\/div>\r\n \t\t\t
\r\n \t\t\t\t
\r\n \t\t\t\t\t

Ng\u00e0y 01\/10, b\u1ea1n g\u1eedi t\u00edch lu\u1ef9 50,000,000\u0111 l\u1ea7n \u0111\u1ea7u v\u1edbi m\u1ee9c l\u1ee3i nhu\u1eadn l\u00e0 4.3%\/n\u0103m<\/strong>. L\u1ee3i nhu\u1eadn c\u1ee7a g\u00f3i t\u00edch lu\u1ef9 n\u00e0y s\u1ebd b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o cu\u1ed1i ng\u00e0y 02\/10.<\/p>\n

Ng\u00e0y 10\/10, b\u1ea1n th\u1ef1c hi\u1ec7n r\u00fat 5,000,000 \u0111 n\u00ean s\u1ed1 d\u01b0 t\u00edch lu\u1ef9 ghi nh\u1eadn v\u00e0o cu\u1ed1i ng\u00e0y 10\/10 l\u00e0 45,000,000 \u0111. \u0110\u1ebfn th\u1eddi \u0111i\u1ec3m chi tr\u1ea3 l\u1ee3i nhu\u1eadn v\u00e0o ng\u00e0y 01\/11, t\u1ed5ng l\u1ee3i nhu\u1eadn t\u1ea1m t\u00ednh b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 156,125 \u0111<\/strong> bao g\u1ed3m:<\/p>\n

    \n
  • L\u1ee3i nhu\u1eadn 9 ng\u00e0y t\u1eeb 02\/10 \u0111\u1ebfn 10\/10:<\/strong><\/li>\n<\/ul>\n

    4.30%\/ 365 * 50,000,000 * 9 = 53,013 \u0111<\/p>\n

      \n
    • L\u1ee3i nhu\u1eadn 21 ng\u00e0y t\u1eeb 11\/10 \u0111\u1ebfn 31\/10:<\/strong><\/li>\n<\/ul>\n

      4.30%\/ 365 * 45,000,000 * 21 = 111,329 \u0111<\/p>\n

      \u27a1\ufe0f L\u1ee3i nhu\u1eadn th\u1ef1c nh\u1eadn sau khi tr\u1eeb thu\u1ebf TNCN:<\/strong><\/p>\n

      164,342 – 164,342 * 5% = 156,125 \u0111. <\/p>\n \t\t\t\t<\/div>\r\n \t\t\t<\/div>\r\n \t\t<\/div>\r\n \t\t<\/p>\n

      2. C\u00e1ch t\u00ednh l\u1ee3i nhu\u1eadn<\/span><\/h2>\n

      L\u1ee3i nhu\u1eadn c\u1ee7a T\u00edch lu\u1ef9 kh\u00f4ng k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y v\u00e0 hi\u1ec3n th\u1ecb \u1edf ph\u1ea7n \u201cL\u1ee3i nhu\u1eadn t\u1ea1m t\u00ednh\u201d tr\u00ean \u1ee9ng d\u1ee5ng (H\u00ecnh). V\u00e0o ng\u00e0y \u0111\u1ea7u ti\u00ean c\u1ee7a th\u00e1ng k\u1ebf ti\u1ebfp (01 h\u00e0ng th\u00e1ng), t\u1ed5ng l\u1ee3i nhu\u1eadn t\u1ea1m t\u00ednh sau khi tr\u1eeb thu\u1ebf TNCN s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng v\u00e0o s\u1ed1 d\u01b0 t\u00edch l\u0169y \u0111\u1ec3 ti\u1ebfp t\u1ee5c sinh l\u1ee3i nhu\u1eadn.<\/p>\n

      L\u01b0u \u00fd:<\/strong> L\u1ee3i nhu\u1eadn s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u1edbi t\u00e0i kho\u1ea3n c\u00f3 s\u1ed1 d\u01b0 t\u00edch l\u0169y nh\u1ecf h\u01a1n 50,000\u0111.<\/em><\/p>\n

      \"\"<\/p>\n

      \ud83d\udd37 C\u00f4ng th\u1ee9c<\/span><\/h3>\n
      \n
      \n

      L\u1ee3i nhu\u1eadn ng\u00e0y = (T\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn T\u00edch l\u0169y \/ 365) * S\u1ed1 d\u01b0 cu\u1ed1i ng\u00e0y<\/strong><\/p>\n<\/div>\n<\/div>\n

      \ud83d\udd37 Th\u1eddi gian b\u1eaft \u0111\u1ea7u t\u00ednh l\u1ee3i nhu\u1eadn<\/span><\/h3>\n
      \n
      \n
      <\/div>\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n
      \n

      Th\u1eddi gian n\u1ea1p ti\u1ec1n\u00a0<\/strong><\/p>\n<\/td>\n

      		\n

      Th\u1eddi gian b\u1eaft \u0111\u1ea7u t\u00ednh l\u1ee3i nhu\u1eadn<\/strong><\/p>\n<\/td>\n

      		\n

      Th\u1eddi gian hi\u1ec3n th\u1ecb l\u1ee3i nhu\u1eadn\u00a0<\/strong><\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 Hai<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Ba<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 T\u01b0<\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 Ba<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 T\u01b0<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 N\u0103m<\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 T\u01b0<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 N\u0103m<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 S\u00e1u<\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 N\u0103m<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 S\u00e1u<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 B\u1ea3y<\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 S\u00e1u<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Hai tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Ba tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n<\/tr>\n

      \n

      Th\u1ee9 B\u1ea3y<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Hai tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Ba tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n<\/tr>\n

      \n

      Ch\u1ee7 Nh\u1eadt<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Hai tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n

      		\n

      Th\u1ee9 Ba tu\u1ea7n k\u1ebf ti\u1ebfp<\/p>\n<\/td>\n<\/tr>\n

      \n

      Ng\u00e0y l\u00e0m vi\u1ec7c cu\u1ed1i c\u00f9ng tr\u01b0\u1edbc l\u1ec5 v\u00e0 c\u00e1c ng\u00e0y trong l\u1ec5<\/p>\n<\/td>\n

      		\n

      Ng\u00e0y l\u00e0m vi\u1ec7c \u0111\u1ea7u ti\u00ean sau l\u1ec5<\/p>\n<\/td>\n

      		\n

      1 ng\u00e0y sau \u0111\u00f3<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

      3. Ph\u00ed v\u00e0 thu\u1ebf khi T\u00edch lu\u1ef9<\/span><\/h2>\n

      \ud83d\udd37 C\u00e1c lo\u1ea1i ph\u00ed<\/span><\/h3>\n

      Hi\u1ec7n t\u1ea1i Infina kh\u00f4ng thu<\/strong> b\u1ea5t k\u00ec lo\u1ea1i ph\u00ed n\u00e0o (Ph\u00ed n\u1ec1n t\u1ea3ng, ph\u00ed qu\u1ea3n l\u00fd, ph\u00ed n\u1ea1p r\u00fat, ph\u00ed r\u00fat s\u1edbm\u2026) \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n t\u00edch lu\u1ef9 t\u1ea1i Infina.<\/p>\n

      \ud83d\udd37 Thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n (TNCN)\u00a0<\/span><\/h3>\n

      Theo quy \u0111\u1ecbnh c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, thu\u1ebf TNCN ph\u00e1t sinh t\u1eeb ho\u1ea1t \u0111\u1ed9ng g\u00f3p v\u1ed1n c\u1ee7a Kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb t\u1ea1i ngu\u1ed3n v\u00e0 c\u00f4ng ty c\u00f3 tr\u00e1ch nhi\u1ec7m k\u00ea khai cho Kh\u00e1ch h\u00e0ng. Theo \u0111\u00f3, thu\u1ebf TNCN s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb tr\u1ef1c ti\u1ebfp v\u00e0o L\u1ee3i nhu\u1eadn t\u1ea1m t\u00ednh tr\u01b0\u1edbc khi c\u1ed9ng v\u00e0o S\u1ed1 d\u01b0 v\u00e0o ng\u00e0y \u0111\u1ea7u c\u1ee7a th\u00e1ng k\u1ebf ti\u1ebfp.<\/p>\n

      C\u00f4ng th\u1ee9c:<\/strong><\/p>\n

      Thu\u1ebf TNCN = L\u1ee3i nhu\u1eadn t\u1ea1m t\u00ednh * 5%<\/span><\/strong><\/span><\/p>\n

      \t\t

      \r\n \t\t\t
      V\u00ed d\u1ee5 v\u1ec1 c\u00e1ch t\u00ednh thu\u1ebf TNCN<\/strong><\/div>\r\n \t\t\t
      \r\n \t\t\t\t
      \r\n \t\t\t\t\t

      \u0110\u1ebfn ng\u00e0y 1\/11, b\u1ea1n t\u00edch l\u0169y \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n L\u1ee3i nhu\u1eadn l\u00e0 23,014\u0111.<\/p>\n

      \u2192 Thu\u1ebf TNCN kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u00f3ng t\u1eeb l\u1ee3i nhu\u1eadn tr\u00ean l\u00e0:<\/p>\n

      23,014 * 5% = 1,150\u0111 <\/strong><\/p>\n

      \u2192 L\u1ee3i nhu\u1eadn th\u1ef1c t\u1ebf kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0:<\/p>\n

      23,014 – 1,150 = 21,864 \u0111<\/strong>.<\/p>\n \t\t\t\t<\/div>\r\n \t\t\t<\/div>\r\n \t\t<\/div>\r\n \t\t<\/p>\n","protected":false},"excerpt":{"rendered":"

      T\u00cdCH LU\u1ef8 KH\u00d4NG K\u1ef2 H\u1ea0N 1. Gi\u1edbi thi\u1ec7u T\u00edch l\u0169y kh\u00f4ng k\u1ef3 h\u1ea1n l\u00e0 h\u00ecnh th\u1ee9c g\u1eedi t\u00edch lu\u1ef9 kh\u00f4ng \u1ea5n \u0111\u1ecbnh th\u1eddi gian\/ k\u1ef3 h\u1ea1n g\u1eedi. B\u1ea1n c\u00f3 th\u1ec3 r\u00fat m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n t\u00edch lu\u1ef9 b\u1ea5t c\u1ee9 l\u00fac n\u00e0o nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o gi\u1eef nguy\u00ean…<\/p>\n","protected":false},"author":10,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":[],"ht-kb-category":[],"ht-kb-tag":[],"_links":{"self":[{"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb\/4415"}],"collection":[{"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb"}],"about":[{"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/types\/ht_kb"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/comments?post=4415"}],"version-history":[{"count":33,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb\/4415\/revisions"}],"predecessor-version":[{"id":4774,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb\/4415\/revisions\/4774"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/media?parent=4415"}],"wp:term":[{"taxonomy":"ht_kb_category","embeddable":true,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb-category?post=4415"},{"taxonomy":"ht_kb_tag","embeddable":true,"href":"https:\/\/infina.vn\/ho-tro\/wp-json\/wp\/v2\/ht-kb-tag?post=4415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}