{"id":4430,"date":"2021-12-21T13:28:41","date_gmt":"2021-12-21T06:28:41","guid":{"rendered":"https:\/\/hunglocphatgroup.vn\/vo-chong-tre-thu-nhap-bao-nhieu-thi-du-mua-nha-tp-hcm.html"},"modified":"2023-01-16T10:11:17","modified_gmt":"2023-01-16T03:11:17","slug":"vo-chong-tre-thu-nhap-bao-nhieu-thi-du-mua-nha-tp-hcm","status":"publish","type":"post","link":"https:\/\/hunglocphat.vn\/en\/vo-chong-tre-thu-nhap-bao-nhieu-thi-du-mua-nha-tp-hcm.html","title":{"rendered":"How much income is enough for a young couple to buy a house in Ho Chi Minh City?"},"content":{"rendered":"

Gi\u1ea5c m\u01a1 s\u1edf h\u1eefu m\u1ed9t kh\u00f4ng gian ri\u00eang gi\u1eefa TP.HCM hay m\u1ed9t ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean \u1edf trung t\u00e2m S\u00e0i G\u00f2n c\u00f3 kh\u00f3 th\u1ef1c hi\u1ec7n?<\/strong><\/p>\n

Quy t\u1eafc 28\/36 trong \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c<\/strong><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, nhu c\u1ea7u s\u1edf h\u1eefu nh\u00e0 \u1edf \u0111ang t\u0103ng cao do \u0111\u1ea5t n\u01b0\u1edbc trong giai \u0111o\u1ea1n d\u00e2n s\u1ed1 “v\u00e0ng” v\u00e0 t\u1ed1c \u0111\u1ed9 \u0111\u00f4 th\u1ecb h\u00f3a di\u1ec5n ra m\u1ea1nh m\u1ebd. Theo Hi\u1ec7p h\u1ed9i B\u1ea5t \u0111\u1ed9ng s\u1ea3n TP HCM (HoREA), t\u1ea1i th\u00e0nh ph\u1ed1, m\u1ed7i n\u0103m c\u00f3 h\u01a1n 50.000 c\u1eb7p v\u1ee3 ch\u1ed3ng tr\u1ebb m\u1edbi k\u1ebft h\u00f4n, nhu c\u1ea7u v\u1ec1 nh\u00e0 \u1edf s\u1ebd r\u1ea5t cao. Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn cho v\u1ee3 ch\u1ed3ng tr\u1ebb mu\u1ed1n s\u1edf h\u1eefu nh\u00e0: chung c\u01b0, nh\u00e0 ph\u1ed1 ho\u1eb7c mua \u0111\u1ea5t n\u1ec1n x\u00e2y nh\u00e0. C\u00e1c ph\u00e2n kh\u00fac c\u0169ng \u0111a d\u1ea1ng t\u1eeb cao \u0111\u1ebfn trung c\u1ea5p, ch\u00ednh s\u00e1ch thanh to\u00e1n linh ho\u1ea1t, ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi mua \u0111\u1ec3 \u1edf ho\u1eb7c \u0111\u1ea7u t\u01b0 h\u01b0\u1edbng v\u1ec1 d\u00f2ng ti\u1ec1n cho thu\u00ea.<\/p>\n

\"C\u0103n<\/a>
Trong ho\u1ea1t \u0111\u1ed9ng mua nh\u00e0 ho\u1eb7c \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean \u00e1p d\u1ee5ng quy t\u1eafc 28\/36 khi t\u00ednh to\u00e1n t\u00e0i ch\u00ednh<\/figcaption><\/figure>\n

Tuy v\u1eady, thu nh\u1eadp bao nhi\u00eau th\u00ec \u0111\u1ee7 \u0111\u1ec3 mua nh\u00e0? B\u00e0i to\u00e1n t\u00e0i ch\u00ednh n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c gia \u0111\u00ecnh tr\u1ebb? Kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng bao nhi\u00eau th\u00ec an to\u00e0n, v\u1eeba s\u1ee9c v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro?<\/p>\n

Theo chuy\u00ean trang t\u00e0i ch\u00ednh Investopedia, trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng mua nh\u00e0 ho\u1eb7c \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean \u00e1p d\u1ee5ng quy t\u1eafc 28\/36 khi t\u00ednh to\u00e1n t\u00e0i ch\u00ednh. Quy t\u1eafc 28\/36 c\u00f3 ngu\u1ed3n g\u1ed1c t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng M\u1ef9, th\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 xem x\u00e9t c\u00e1c kho\u1ea3n vay c\u1ee7a ng\u01b0\u1eddi mua.<\/p>\n

Theo quy t\u1eafc n\u00e0y, khi mua nh\u00e0, b\u1ea1n ch\u1ec9 n\u00ean d\u00e0nh t\u1ed1i \u0111a 28% t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a m\u00ecnh cho kho\u1ea3n vay ho\u1eb7c chi ph\u00ed cho ng\u00f4i nh\u00e0, v\u00e0 t\u1ed1i \u0111a 36% cho t\u1ed5ng chi ph\u00ed bao g\u1ed3m kho\u1ea3n mua nh\u00e0, ti\u00eau d\u00f9ng, mua xe\u2026<\/p>\n

V\u00ed d\u1ee5 c\u1ee5 th\u1ec3 c\u1ee7a vi\u1ec7c \u00e1p d\u1ee5ng quy t\u1eafc tr\u00ean cho m\u1ed9t tr\u01b0\u1eddng h\u1ee3p sau. Gi\u1ea3 s\u1eed l\u01b0\u01a1ng ch\u1ed3ng 40 tri\u1ec7u, l\u01b0\u01a1ng v\u1ee3 30 tri\u1ec7u. T\u1ed5ng thu nh\u1eadp l\u00e0 70 tri\u1ec7u m\u1ed7i th\u00e1ng. \u00c1p d\u1ee5ng quy t\u1eafc 28\/36. S\u1ed1 ti\u1ec1n n\u00ean chi ra cho vi\u1ec7c tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ho\u1eb7c vi\u1ec7c thu\u00ea nh\u00e0 t\u1ed1i \u0111a 28% l\u00e0 19,6 tri\u1ec7u m\u1ed7i th\u00e1ng. S\u1ed1 ti\u1ec1n chi tr\u1ea3 cho t\u1ea5t c\u1ea3 kho\u1ea3n chi ph\u00ed l\u00e0 36% l\u00e0 25,2 tri\u1ec7u m\u1ed7i th\u00e1ng. Nh\u01b0 v\u1eady, n\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n vay mua xe hay ti\u00eau d\u00f9ng n\u00e0o kh\u00e1c, b\u1ea1n c\u00f3 th\u1ec3 n\u00e2ng chi ph\u00ed li\u00ean quan t\u1edbi nh\u00e0 l\u00ean m\u1ed1c t\u1ed1i \u0111a 25,2 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng.<\/p>\n

\u00c1p d\u1ee5ng quy t\u1eafc n\u00e0y s\u1ebd gi\u00fap gia \u0111\u00ecnh nh\u1eb9 nh\u00e0ng, b\u1edbt g\u00e1nh n\u1eb7ng li\u00ean quan t\u1edbi nh\u00e0 c\u1eeda. C\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p v\u00ec kho\u1ea3n chi ph\u00ed qu\u00e1 l\u1edbn m\u00e0 l\u00e0m cho t\u00e2m l\u00fd \u0111\u00e8 n\u1eb7ng. M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua nh\u00e0 \u2018h\u1ee5t h\u01a1i\u2019, x\u1ea3y ra r\u1ee7i ro ph\u1ea3i b\u00e1n nh\u00e0, d\u1edf dang gi\u1ea5c m\u01a1 an c\u01b0. Nh\u01b0 v\u1eady, tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua nh\u00e0, b\u1ea1n n\u00ean y\u00eau c\u1ea7u m\u00f4i gi\u1edbi ho\u1eb7c t\u01b0 v\u1ea5n vi\u00ean c\u1ee7a ng\u00e2n h\u00e0ng cung c\u1ea5p d\u00f2ng ti\u1ec1n d\u1ef1 ki\u1ebfn ph\u1ea3i chi tr\u1ea3, tham kh\u1ea3o quy t\u1eafc 28\/36 \u0111\u1ec3 c\u00f3 quy\u1ebft \u0111\u1ecbnh \u0111\u00fang nh\u1ea5t.<\/p>\n

The Peak Garden \u2013 c\u0103n h\u1ed9 thanh to\u00e1n 1% m\u1ed9t th\u00e1ng<\/strong><\/p>\n

N\u1eafm b\u1eaft nhu c\u1ea7u c\u00f3 th\u1ef1c trong vi\u1ec7c mua ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c, h\u00e0ng lo\u1ea1t c\u00e1c ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00e3 ra m\u1eaft s\u1ea3n ph\u1ea9m b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111i k\u00e8m c\u00e1c ch\u00ednh s\u00e1ch thanh to\u00e1n linh ho\u1ea1t, \u0111\u1ed9c \u0111\u00e1o v\u00e0 nh\u1ea5t l\u00e0 v\u1eeba t\u1ea7m v\u1edbi thu nh\u1eadp c\u1ee7a c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1c gia \u0111\u00ecnh tr\u1ebb ho\u1eb7c c\u00e1c b\u1ea1n tr\u1ebb \u0111\u1ed9c th\u00e2n.<\/p>\n

T\u1ecda l\u1ea1c ngay trung t\u00e2m t\u00e0i ch\u00ednh \u2013 th\u01b0\u01a1ng m\u1ea1i qu\u1eadn 7, TP HCM v\u00e0 li\u1ec1n k\u1ec1 khu \u0111\u00f4 th\u1ecb Ph\u00fa M\u1ef9 H\u01b0ng, 156 c\u0103n h\u1ed9 d\u1ecbch v\u1ee5 – officetel c\u1ee7a The Peak Garden h\u1ed9i t\u1ee5 nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1eaft gi\u00e1, l\u1ee3i th\u1ebf cho ng\u01b0\u1eddi mua \u0111\u1ec3 \u1edf ho\u1eb7c \u0111\u1ea7u t\u01b0 cho thu\u00ea. B\u00ean c\u1ea1nh vi\u1ec7c th\u1eeba h\u01b0\u1edfng to\u00e0n b\u1ed9 ti\u1ec7n \u00edch b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe c\u1ee7a d\u00f2ng c\u0103n h\u1ed9 ti\u00eau chu\u1ea9n, \u0111i\u1ec3m m\u1ea1nh c\u1ee7a officetel t\u1ea1i The Peak Garden c\u00f2n n\u1eb1m \u1edf ch\u00ednh s\u00e1ch thanh to\u00e1n \u201cnh\u1eb9 nh\u01b0 m\u00e2y\u201d khi nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 tho\u1ea3i m\u00e1i chi tr\u1ea3 h\u00e0ng th\u00e1ng ch\u1ec9 1% t\u1ed5ng gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 cho \u0111\u1ebfn ng\u00e0y nh\u1eadn nh\u00e0.<\/p>\n

\"C\u0103n<\/a>
Officetel The Peak Garden h\u00fat nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1edd ch\u00ednh s\u00e1ch thanh to\u00e1n h\u1ea5p d\u1eabn<\/figcaption><\/figure>\n

L\u1ea5y v\u00ed d\u1ee5 v\u1edbi c\u0103n h\u1ed9 d\u1ecbch v\u1ee5 The Peak Garden, ng\u01b0\u1eddi mua ch\u1ec9 c\u1ea7n thanh to\u00e1n dao \u0111\u1ed9ng t\u1eeb 18 tri\u1ec7u \u0111\u1ed3ng m\u1ed9t th\u00e1ng. \u00c1p d\u1ee5ng theo quy t\u1eafc 28\/36, kho\u1ea3n chi tr\u1ea3 n\u00e0y ho\u00e0n to\u00e0n an to\u00e0n v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng gia \u0111\u00ecnh tr\u1ebb c\u00f3 thu nh\u1eadp t\u1eeb 55-70 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng. Ho\u1eb7c v\u1edbi nh\u1eefng b\u1ea1n tr\u1ebb \u0111\u1ed9c th\u00e2n c\u00f3 s\u1ef1 nghi\u1ec7p th\u0103ng ti\u1ebfn, thu nh\u1eadp \u1ed5n \u0111\u1ecbnh th\u00ec kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng 18 tri\u1ec7u \u0111\u1ed3ng c\u0169ng ho\u00e0n to\u00e0n trong t\u1ea7m tay. \u0110\u1eb7c bi\u1ec7t v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng Vietcombank, sau khi nh\u1eadn nh\u00e0, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh v\u1edbi th\u1eddi h\u1ea1n l\u00ean t\u1edbi 15 n\u0103m.<\/p>\n

Kh\u00f4ng ch\u1ec9 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00e0i ch\u00ednh, The Peak Garden c\u00f2n gi\u1ea3i b\u00e0i to\u00e1n v\u1ec1 chu\u1ea9n s\u1ed1ng an c\u01b0, l\u1ed1i s\u1ed1ng l\u00e0nh m\u1ea1nh cho c\u00e1c gia \u0111\u00ecnh tr\u1ebb hi\u1ec7n \u0111\u1ea1i. Lo\u1ea1t officetel n\u00e0y th\u1eeba h\u01b0\u1edfng c\u00e1c ti\u00eau chu\u1ea9n \u201cs\u1ed1ng xanh\u201d \u0111\u1eb3ng c\u1ea5p nh\u01b0 h\u1ed3 Thi\u00ean \u0110\u01b0\u1eddng 3.000m2, c\u00f4ng vi\u00ean Luna Park 6.000m2\u2026<\/p>\n

\u0110\u1ec3 tri\u1ec3n khai theo m\u00f4 h\u00ecnh c\u0103n h\u1ed9 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe, ch\u1ee7 \u0111\u1ea7u t\u01b0 \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c uy t\u00edn h\u00e0ng \u0111\u1ea7u. Trong \u0111\u00f3, t\u1ed5ng th\u1ea7u x\u00e2y d\u1ef1ng l\u00e0 T\u1eadp \u0111o\u00e0n x\u00e2y d\u1ef1ng H\u00f2a B\u00ecnh v\u1edbi th\u1eddi gian thi c\u00f4ng d\u1ef1 ki\u1ebfn trong v\u00f2ng 25 th\u00e1ng, \u0111\u00e2y l\u00e0 c\u01a1 s\u1edf then ch\u1ed1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u00e0n giao \u0111\u1ebfn kh\u00e1ch h\u00e0ng nh\u1eefng s\u1ea3n ph\u1ea9m ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 \u0111\u1ea3m b\u1ea3o ti\u1ebfn \u0111\u1ed9. V\u1eeba qua 11\/12\/2021, l\u1ec5 kh\u1edfi c\u00f4ng The Peak Garden \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c, d\u1ef1 \u00e1n ch\u00ednh th\u1ee9c b\u01b0\u1edbc v\u00e0o kh\u1edfi c\u00f4ng x\u00e2y d\u1ef1ng.<\/p>\n

Nh\u1edd c\u00f4ng n\u0103ng officetel, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 linh ho\u1ea1t chuy\u1ec3n \u0111\u1ed5i c\u00e1c c\u0103n h\u1ed9 tr\u1edf th\u00e0nh v\u0103n ph\u00f2ng cho c\u00e1c doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p, doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SMEs) ho\u1eb7c ph\u00f2ng kh\u00e1ch s\u1ea1n c\u01b0 tr\u00fa ng\u1eafn h\u1ea1n. T\u00f2a nh\u00e0 \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh v\u00e0 qu\u1ea3n l\u00fd b\u1edfi CBRE – \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd d\u1ef1 \u00e1n thu\u1ed9c danh s\u00e1ch 500 c\u00f4ng ty h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi do Fortune v\u00e0 S&P b\u00ecnh ch\u1ecdn c\u0169ng g\u00f3p ph\u1ea7n t\u0103ng gi\u00e1 tr\u1ecb cho s\u1ea3n ph\u1ea9m, mang \u0111\u1ebfn kho\u1ea3n l\u1ee3i trong trung l\u1eabn d\u00e0i h\u1ea1n cho nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n T\u1ea5n Vinh – T\u1ed5ng gi\u00e1m \u0111\u1ed1c \u0110\u1ea5t Xanh Premium, d\u00f2ng s\u1ea3n ph\u1ea9m \u0111\u1eb7c th\u00f9 c\u0103n h\u1ed9 d\u1ecbch v\u1ee5 The Peak Garden kh\u00f4ng ch\u1ec9 s\u1edf h\u1eefu v\u1ecb tr\u00ed thu\u1eadn l\u1ee3i m\u00e0 c\u00f2n l\u00e0 \u0111i\u1ec3m s\u00e1ng tr\u00ean th\u1ecb tr\u01b0\u1eddng B\u0110S ph\u00eda Nam nh\u1edd h\u1ec7 th\u1ed1ng ti\u1ec7n \u00edch \u0111a d\u1ea1ng, thi\u1ebft k\u1ebf \u0111\u1eb9p m\u1eaft.<\/p>\n

\"Officetel<\/a>
Officetel The Peak Garden tr\u1edf th\u00e0nh \u0111i\u1ec3m s\u00e1ng tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u1edd h\u1ec7 th\u1ed1ng ti\u1ec7n \u00edch \u0111a d\u1ea1ng, thi\u1ebft k\u1ebf \u0111\u1eb9p m\u1eaft<\/figcaption><\/figure>\n

\u201cM\u1ee9c gi\u00e1 c\u0169ng v\u1eeba t\u1ea7m v\u1edbi nh\u00f3m kh\u00e1ch trung l\u01b0u c\u00f3 nhu c\u1ea7u t\u00ecm ki\u1ebfm ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean \u1edf trung t\u00e2m TP HCM, v\u1eeba d\u1ec5 d\u00e0ng chuy\u1ec3n \u0111\u1ed5i tr\u1edf th\u00e0nh m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 cho thu\u00ea sinh l\u1eddi \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i khi ch\u1ec9 t\u1eeb 1,8 t\u1ef7 \u0111\u1ed3ng m\u1ed9t c\u0103n\u201d,<\/em>\u00a0\u00f4ng Vinh nh\u1ea5n m\u1ea1nh.<\/p>\n

Website:\u00a0Thepeakgarden.vn<\/a><\/strong><\/em><\/p>\n

24h.com.vn<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Gi\u1ea5c m\u01a1 s\u1edf h\u1eefu m\u1ed9t kh\u00f4ng gian ri\u00eang gi\u1eefa TP.HCM hay m\u1ed9t ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean \u1edf trung t\u00e2m S\u00e0i …<\/p>\n","protected":false},"author":8,"featured_media":3926,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[274,270,313,261,272,260,277,273,265,262,276,279,268,314,259,315,275,264,258,278,316],"yoast_head":"\nHow much income is enough for a young couple to buy a house in Ho Chi Minh City? - H\u01b0ng L\u1ed9c Ph\u00e1t Group<\/title>\n<meta name=\"description\" content=\"Gi\u1ea5c m\u01a1 s\u1edf h\u1eefu m\u1ed9t kh\u00f4ng gian ri\u00eang gi\u1eefa TP.HCM hay m\u1ed9t ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean \u1edf trung t\u00e2m S\u00e0i G\u00f2n c\u00f3 kh\u00f3 th\u1ef1c hi\u1ec7n?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hunglocphat.vn\/en\/vo-chong-tre-thu-nhap-bao-nhieu-thi-du-mua-nha-tp-hcm.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much income is enough for a young couple to buy a house in Ho Chi Minh City? 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