{"id":2302,"date":"2024-09-10T00:26:40","date_gmt":"2024-09-10T04:26:40","guid":{"rendered":"http:\/\/vuthanhnamduc.com\/?p=2302"},"modified":"2024-09-10T00:26:43","modified_gmt":"2024-09-10T04:26:43","slug":"mua-nha-lan-dau-thu-nhap-50k-mua-nha-300k-duoc-khong","status":"publish","type":"post","link":"http:\/\/vuthanhnamduc.com\/index.php\/2024\/09\/10\/mua-nha-lan-dau-thu-nhap-50k-mua-nha-300k-duoc-khong\/","title":{"rendered":"Mua Nh\u00e0 L\u1ea7n \u0110\u1ea7u | Thu Nh\u1eadp $50k Mua Nh\u00e0 $300k \u0110\u01b0\u1ee3c Kh\u00f4ng?"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Mua Nh\u00e0 L\u1ea7n \u0110\u1ea7u | Thu Nh\u1eadp $50K C\u00f3 Mua \u0110\u01b0\u1ee3c Nh\u00e0 $300K Kh\u00f4ng?\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/WgfAdxeGyT8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><figcaption class=\"wp-element-caption\">Youtube: DUCVU &#8211; Cu\u1ed9c S\u1ed1ng M\u1ef9 DMV | H\u1ecfi \u0111\u00e1p d\u00e0nh cho ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u \u1edf M\u1ef9<\/figcaption><\/figure>\n\n\n\n<p id=\"ducvu-cuocsongmy\"><strong>Q \u2013 H\u1ecfi:<\/strong> T\u00f4i c\u00f3 thu nh\u1eadp sau thu\u1ebf 2023 l\u00e0 $45,000, n\u0103m 2024 c\u00f3 th\u1ec3 thu nh\u1eadp cao h\u01a1n kho\u1ea3ng $50,000. T\u00f4i kh\u00f4ng c\u00f3 n\u1ee3 xe hay n\u1ee3 g\u00ec h\u1ebft, \u0111i\u1ec3m t\u00edn d\u1ee5ng 754 v\u00e0 c\u00f3 th\u1ec3 down payments $30,000. V\u1eady t\u00f4i c\u00f3 th\u1ec3 mua c\u0103n nh\u00e0 $300,000 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/p>\n\n\n\n<p><strong>A \u2013 \u0110\u00e1p:<\/strong> V\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua m\u1ed9t c\u0103n nh\u00e0 tr\u1ecb gi\u00e1 $300,000, nh\u01b0ng c\u00f3 m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 c\u1ea7n xem x\u00e9t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng chi tr\u1ea3 l\u00e2u d\u00e0i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Kh\u1ea3 N\u0103ng Vay Th\u1ebf Ch\u1ea5p (Mortgage Affordability)<\/strong><\/h3>\n\n\n\n<p>V\u1edbi thu nh\u1eadp sau thu\u1ebf kho\u1ea3ng $50,000\/n\u0103m (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng $4,167\/th\u00e1ng) v\u00e0 kh\u00f4ng c\u00f3 n\u1ee3, b\u1ea1n c\u00f3 th\u1ec3 d\u00e0nh kho\u1ea3ng 28-30% thu nh\u1eadp h\u00e0ng th\u00e1ng cho kho\u1ea3n vay th\u1ebf ch\u1ea5p. \u0110\u00e2y l\u00e0 m\u1ed9t quy t\u1eafc t\u00e0i ch\u00ednh th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 chuy\u00ean gia t\u00e0i ch\u00ednh khuy\u1ebfn ngh\u1ecb \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n v\u1eabn c\u00f2n \u0111\u1ee7 thu nh\u1eadp cho c\u00e1c chi ph\u00ed sinh ho\u1ea1t kh\u00e1c.<\/p>\n\n\n\n<p><strong>T\u00ednh to\u00e1n:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30% c\u1ee7a $4,167 l\u00e0 kho\u1ea3ng $1,250\/th\u00e1ng. \u0110\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 chi tr\u1ea3 cho kho\u1ea3n vay th\u1ebf ch\u1ea5p h\u00e0ng th\u00e1ng, bao g\u1ed3m c\u1ea3 ti\u1ec1n g\u1ed1c, l\u00e3i, thu\u1ebf, v\u00e0 b\u1ea3o hi\u1ec3m (PITI).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Kho\u1ea3n Vay Th\u1ebf Ch\u1ea5p<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Down Payment:<\/strong> V\u1edbi kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc $30,000 (10% gi\u00e1 tr\u1ecb nh\u00e0), b\u1ea1n s\u1ebd c\u1ea7n vay $270,000.<\/li>\n\n\n\n<li><strong>L\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p:<\/strong> Gi\u1ea3 s\u1eed l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh hi\u1ec7n t\u1ea1i l\u00e0 kho\u1ea3ng 6.5% (m\u1ee9c trung b\u00ecnh hi\u1ec7n t\u1ea1i c\u00f3 th\u1ec3 thay \u0111\u1ed5i).<\/li>\n\n\n\n<li><strong>Th\u1eddi h\u1ea1n vay:<\/strong> Gi\u1ea3 \u0111\u1ecbnh th\u1eddi h\u1ea1n vay 30 n\u0103m.<\/li>\n<\/ul>\n\n\n\n<p>D\u1ef1a tr\u00ean c\u00e1c gi\u1ea3 \u0111\u1ecbnh tr\u00ean, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng m\u1ed9t c\u00f4ng c\u1ee5 t\u00ednh kho\u1ea3n vay \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u01af\u1edbc t\u00ednh kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u1edbi kho\u1ea3n vay $270,000, l\u00e3i su\u1ea5t 6.5%, trong th\u1eddi h\u1ea1n 30 n\u0103m, kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n s\u1ebd kho\u1ea3ng $1,707 (ch\u01b0a bao g\u1ed3m thu\u1ebf v\u00e0 b\u1ea3o hi\u1ec3m).<\/li>\n<\/ul>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y v\u01b0\u1ee3t qu\u00e1 30% thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n, v\u00ec v\u1eady s\u1ebd c\u1ea7n c\u00e2n nh\u1eafc th\u00eam.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Chi Ph\u00ed Kh\u00e1c<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n:<\/strong> \u1ede Maryland, thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb 0.87% \u0111\u1ebfn 1.1% gi\u00e1 tr\u1ecb nh\u00e0. N\u1ebfu nh\u00e0 c\u1ee7a b\u1ea1n tr\u1ecb gi\u00e1 $300,000, thu\u1ebf c\u00f3 th\u1ec3 v\u00e0o kho\u1ea3ng $2,610 &#8211; $3,300\/n\u0103m (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng $217 &#8211; $275\/th\u00e1ng).<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m nh\u00e0:<\/strong> B\u1ea3o hi\u1ec3m nh\u00e0 trung b\u00ecnh kho\u1ea3ng $1,200\/n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng $100\/th\u00e1ng.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>T\u1ef7 l\u1ec7 N\u1ee3 tr\u00ean Thu Nh\u1eadp (Debt-to-Income Ratio &#8211; DTI)<\/strong><\/h3>\n\n\n\n<p>C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng xem x\u00e9t DTI \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh kho\u1ea3n vay c\u1ee7a b\u1ea1n. T\u1ef7 l\u1ec7 DTI c\u1ee7a b\u1ea1n ph\u1ea3i d\u01b0\u1edbi 36%. V\u1edbi m\u1ee9c chi tr\u1ea3 h\u00e0ng th\u00e1ng $1,707 (kho\u1ea3n vay) + $217 (thu\u1ebf) + $100 (b\u1ea3o hi\u1ec3m), t\u1ed5ng chi ph\u00ed nh\u00e0 c\u1ee7a b\u1ea1n s\u1ebd kho\u1ea3ng $2,024\/th\u00e1ng. \u0110i\u1ec1u n\u00e0y t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi DTI kho\u1ea3ng 48%, cao h\u01a1n m\u1ee9c l\u00fd t\u01b0\u1edfng l\u00e0 36%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>K\u1ebft Lu\u1eadn<\/strong><\/h3>\n\n\n\n<p>M\u1eb7c d\u00f9 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn kho\u1ea3n vay \u0111\u1ec3 mua nh\u00e0 tr\u1ecb gi\u00e1 $300,000, vi\u1ec7c qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u00f3 th\u1ec3 s\u1ebd t\u1ea1o \u00e1p l\u1ef1c t\u00e0i ch\u00ednh l\u1edbn. B\u1ea1n n\u00ean c\u00e2n nh\u1eafc:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mua nh\u00e0 c\u00f3 gi\u00e1 th\u1ea5p h\u01a1n, kho\u1ea3ng $250,000 &#8211; $270,000<\/strong>, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 30% thu nh\u1eadp c\u1ee7a b\u1ea1n.<\/li>\n\n\n\n<li><strong>C\u1ea3i thi\u1ec7n kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc (down payment):<\/strong> N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc t\u1eeb $30,000 l\u00ean cao h\u01a1n, \u0111i\u1ec1u n\u00e0y s\u1ebd gi\u00fap gi\u1ea3m kho\u1ea3n vay v\u00e0 s\u1ed1 ti\u1ec1n thanh to\u00e1n h\u00e0ng th\u00e1ng.<\/li>\n<\/ul>\n\n\n\n<p><strong>L\u01b0u \u00fd (notes):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u1ede \u0111\u00e2y ch\u01b0a t\u00ednh \u0111\u1ebfn vi\u1ec7c b\u1ea1n \u0111\u00e3 kho\u1ea3n emergency fund (qu\u1ef9 d\u1ef1 ph\u00f2ng) cho chi ph\u00ed c\u1ee7a b\u1ea1n v\u00e0 gia \u0111\u00ecnh t\u1eeb 3-6 th\u00e1ng.<\/li>\n\n\n\n<li>Ch\u01b0a t\u00ednh \u0111\u1ebfn c\u00e1c kho\u1ea3n b\u1ea3o tr\u00ec s\u1eeda ch\u1eefa nh\u00e0 kho\u1ea3ng 1-2% gi\u00e1 tr\u1ecb ng\u00f4i nh\u00e0 m\u00e0 b\u1ea1n mua.<\/li>\n\n\n\n<li>B\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o \u00fd ki\u1ebfn chuy\u00ean gia t\u00e0i ch\u00ednh (nh\u1eefng ng\u01b0\u1eddi l\u00e0m LOAN) ho\u1eb7c ng\u00e2n h\u00e0ng (b\u00ean Lender \u2013 cho vay) \u0111\u1ec3 c\u00f3 c\u00e1i nh\u00ecn ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 c\u00e1c t\u00f9y ch\u1ecdn vay ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<p>(DUCVU \u2013 Cu\u1ed9c S\u1ed1ng M\u1ef9 DMV)<\/p>\n\n\n\n<p>H\u1ecfi \u0111\u00e1p d\u00e0nh cho ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u \u1edf m\u1ef9<\/p>\n\n\n\n<p>#ducvucuocsongmy #vuthanhnamduc #muanhaomy #muanhalandau #nhacuamy #ducvuusa<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Q \u2013 H\u1ecfi: T\u00f4i c\u00f3 thu nh\u1eadp sau thu\u1ebf 2023 l\u00e0 $45,000, n\u0103m 2024 c\u00f3 th\u1ec3 thu nh\u1eadp cao h\u01a1n kho\u1ea3ng $50,000. T\u00f4i kh\u00f4ng c\u00f3 n\u1ee3 xe hay n\u1ee3 g\u00ec h\u1ebft, \u0111i\u1ec3m t\u00edn d\u1ee5ng 754 v\u00e0 c\u00f3 th\u1ec3 down payments $30,000. V\u1eady t\u00f4i c\u00f3 th\u1ec3 mua c\u0103n nh\u00e0 $300,000 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[2,395,393,397,394,391],"tags":[471,470,459,402,472],"class_list":["post-2302","post","type-post","status-publish","format-standard","hentry","category-blog","category-cuoc-song-my","category-https-www-youtube-com-c-ducvucuocsongmydmv","category-nha-cua-my-dau-tu-kinh-doanh","category-trai-nghiem-cuoc-song-my","category-https-www-youtube-com-c-ducvuusa","tag-chia-se-nguoi-mua-nha-lan-dau","tag-ducvu-cuoc-song-my-dmv-2","tag-ducvu-nha-cua-my","tag-mua-nha-o-my","tag-thu-nhap-bao-nhieu-mua-nha-o-my"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/comments?post=2302"}],"version-history":[{"count":1,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2302\/revisions"}],"predecessor-version":[{"id":2303,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2302\/revisions\/2303"}],"wp:attachment":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/media?parent=2302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/categories?post=2302"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/tags?post=2302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}