Li Sut Thp Nht Khng Hn L Gii Php Ti u

Dean Nguyen. Mortgage Planner. (919) 796-1550

th ni k ngh Ti Tr a c (Mortgage Industry) hay vay tin mua nh

l mt k ngh tng i phc tp, rt a dng v ngi vay n thung khng thng tin, thiu s hng dn c nhng quyt nh ng n. Tm l chung ca nhng b con ngi Vit khi mun mn tin mua nh, hoc i n, l: (1) chn cc chng trnh vi li sut thp nht; v (2) l ph thp hoc min ph, nhng ni h hn "No Point - No Cost". C th ni 80% nhng ngi mn tin mua nh chn cc chng trnh c li sut c nh (fixed rate) 30 nm hoc 15 nm - v l do n gin: l s an tm v mc li sut khng dao ng, tri st vi s tin nh c nh mi thng. Th nhng cng khng my ngi bit rng khi s "an ton" thuc v ngi vay n, th h cng phi tr gi cho tm l "an ton" . C th ni cc chng trnh li sut c nh l cc chng trnh vay n t nht, vi cc khon l ph cao; v chc chn v pha ch n, h lun lun l ngi "nm ng cn". Nu cc bn c gp vi mu qung co u v "No Point - No Cost" th cc bn phi bit rng y khng hn l chng trnh vay n min ph. Ngn hng lun c nhng l ph v vn th tc giy t, v h phi tr hu hng cho cng ty trung gian, cc Mortgage Brokers v Loan Officers. "No Point - No Cost" y phi c hiu l bn khng phi tr cc l ph bng tin ti, tr ngay vo thi im k giy t. "Point" v "Cost" y s c "cn" vo li sut ca s tin vay m bn ng no cng phi tr, khng tr trc th cng phi tr sau. C th ni trong k ngh ti tr a c, bn s khng thy tnh trng "On Sale" hoc "Clearance" nh chng ta thng thy cc khu Shopping. Ngn hng khi cho vay, h lun c mt s tiu chun c nh, nu khng ni l tng i khc khe v s tin vay c th ln n vi trm ngn cho mi ln mn, v mc may ri qu ln, nht l vo thi bui kinh t kh khn nh hin nay. Nu th t mnh vo v tr ngi cho vay, th chc chn chng ta cng s khng tt bng n ni "min ph", hoc "No Point - No Cost" nh chng ta thng thy cc mu qung co nhan nhn khp ni. Th nhng cng c vi tin mng cho cc ngi mun vay n: l mc cnh tranh gia cc ngn hng vi nhau buc h phi c nhng chng trnh tng i uyn chuyn v d di (nhng khng c ngha l min ph). iu mun ni y l s "uyn chuyn", linh ng ty theo s thch v nh ca ngi vay n, sao cho ph hp vi hon cnh ca mi ngi, mi gia nh. Vy th bn ang c th li l mnh c th la chn mt chng trnh cho vay n thch hp vi nh v hon cnh ring. Bn phi bit r bn mun g? c nh trong cn nh mi mua trong thi gian bao lu? tnh trng cng n vic lm, kh nng ti chnh hin ti v tng lai? u tin v cc khon chi tiu trong gia nh? k hoch ti chnh ngn v di hn?... Ri sau s nh vo s c vn ca Loan Officer chn chng trnh thch hp. Ni tm li, "li sut thp nht" khng hn l gii php ti u, m tt nht l bn phi r nh ca mnh, v chn ngi Loan Officer hiu bit chn la chng trnh thch hp, c li nht cho hon cnh ca ring mnh.

ng Tin Khn
Dean Nguyen (919) 796-1550

rong cun "Who Took My Money" (tm dch "Ai Cum Mt Tin Ca Ti") ca nh 2004, c ni v y khng phi y l mt khi Thit ngh cng

i Ph Ho ting tm th gii Robert Kiyosaki xut bn hi gia nm khi nim "Tng Tc ng Tin" (Increase the Velocity of the Money). l khi nim mi, cng chng phi do ng Kiyosaki sng tc ra. Nhng nim hp thi, c tri nghim, ng dng vo vic u t a c. ng chng ta quan tm v suy ngh.

n c mt th d gn gi: bn c $20 ngn u t, th y l ba trng hp bn c th s lm: Trng hp 1: Bn u t vo Mutual Fund, vi li sut bnh qun l 5% mi nm. Sau 7 nm, bn c c $28,142 (gi s nh li sut vn gi u 5% mi nm, v bn khng phi tr thu). Trng hp 2: Bn dng $20 ngn ny lm 10% Down Payment, mn $180 ngn mua cn nh tr gi $200 ngn . Sau cho thu v gi s tin cho thu va tr cc chi ph v n ngn hng hng thng; cng nh gi tr cn nh tng 5% u n mi nm. Sau 7 nm, gi tr cn nh tng ln $281 ngn v bn c c $101,420 tin Equity. Trng hp 3: Bn cng dng $20 ngn lm 10% Down Payment cho cn nh tr gi $200 ngn . Nhng thay v cho mn mt lo 7 nm nh trong trng hp 2; c mi 2 nm, v gi tr cn nh tng 5% nn bn li rt t Equity ang c $20 ngn, lm Down Payment mua tip mt cn nh tr gi $200 ngn khc; v c lm tng t mi 2 nm nh vy cho mi cn nh khi c Equity (gi s gi nh vn tng u n 5% mi nm). Sau 7 nm, bn s c c 8 cn nh, vi tng tr gi ti sn l $2,022,218; v tng cng Equity trong 8 cn nh ny l $273,198 .

y l bn tng kt bn d so snh c 3 trng hp trn: Tin Equity c c - Trng hp 1: - Trng hp 2: - Trng hp 3: $28,142 $101,420 $273,198 Li sut li tnh trn $20 ngn 5.8% 58.2%

180.9%

Theo ng Kiyosaki, trng hp 1 v 2 l trng hp nhng ngi u t ng tin dm chn ti ch, trong khi trng hp 3 l bit tn dng xoay vng vn nhanh, tin ra tin, v c th thm nhiu tin. y chnh l khi nim Tng Tc ng Tin. Nu trong tnh trng kinh t hin nay, vi li sut tit kim ca ngn hng ch khong 3, 4 phn trm, v th trng chng khon vi sc tng trng chm th u t vo a c qu l c li ln. ng tin tuy v tri, nhng vn bit lm vic v chy quay cung 24 gi mi ngy khng cn n ung, khng cn ng ngh, v s khng bao gi bit than phin. V thay v Equity trong nh nh ng tin ng, th nn tn dng ti u t, tin thm tin. ng tin cn phi ng, cn phi tng tc. Thay v chng ta phi lm vic v ng tin, th cng n lc ng tin lm vic cho chng ta vy! Mt cch u ym hn, chng ta gi l ng Tin Khn.

The MILI Group 4825 Creekstone Drive, Suite 100 Durham (khu RTP), NC 27703
(T Freeway I-40, ly exit 292 Page Road. Gn Phi trng)

Ci Nh L Nh Ca Ta
Dean Nguyen. Mortgage Planner (919) 796-1550

"

i nh l nh ca ta, cng kh ng cha lp ra, chu con phi gn gi ly, mun nm vi

nc non nh,...". y l bi ht quen thuc trong nc t tm b, nghe i nghe li n thuc lng, v hu nh y cng l "tm nim" ca ngi Vit Nam, nht l ngi Vit cn trong nc. Cn nh l mt ci g thing ling, c truyn t i ng, i cha qua n i con, i chu. Ngi nh cng cn l ni th phng, l k nim, l vn ling vt cht cng nh tinh thn ca gia nh. Ci t bn nh l ci g gh gm lm, n thng i i vi tai ha, khnh tn, ph sn, ngho n ni phi bn nh Thnh ra bn nh hoc i nh lin tc thng l chuyn kh c th ngh n, nu khng ni l chuyn khng tng. ng mt ci dt du nhau qua x M t nn, quan nim trn khng cn t bm tr na. Ci nh l nh ca ngn hng, ng cha chng phi l ngi lm ra, th th phi gi ly lm g? l cha ni n vic phi di chuyn lin tc v cng n vic lm, v thi tit, v con ci ln cn c phng ring, ri cng v con ci ly v ly chng dn ra t m mi, v thm c gn tim ph, v mun c xm xt vi ng hng, ng khi. Nhng khn kho nht l dn nh c ci li v thu. Lut thu lin bang cho php l c trong vng 5 nm, nu bn trong cn nh 2 nm th khi bn i, tin li (capital gain) khng phi ng thu theo nguyn tc sau: (1) Nu c thn th bn khng phi ng thu trn 250 ngn tin li u tin (ngha l li trn 250 ngn mi phi ng thu trn $250,001 tr i) (2) Nu bn lp gia nh v khai thu ng tn chung th bn khng phi ng thu trn 500 ngn tin li u tin. Ly th d bn mua cn nh hi nm nm trc vi gi 200 ngn, by gi gi th trng l 400 ngn (nu bn may mn mua nh Cali), th by gi nu bn i, tin li 200 ngn (400 ngn tin bn tr i 200 ngn tin mua 5 nm trc) bn phi ng thu, ly th d mc ng thu ca bn l 35%, th bn phi ng 70 ngn cho IRS. Nhng v theo nguyn tc k trn, bn c trong cn nh t nht l 2 nm trong vng 5 nm va qua, th bn khng phi ng thu (v 200 ngn tin li t hn mc 250 ngn cho php). Vy l bn li c 70 ngn thay v phi ng thu. Nu vy th u l gii php ti u?

La mua nh r nhng khu tt v trong vng hai nm, thy c li l bn ngay v dn qua ni khc. C lm nh vy lin tc mi hai nm th c khi cng ngy cng c nh rng ri, t tin sang trng hn; m thu th c trnh ti a, c khi chng phi ng ng no trn s tin li cho cu Sam nh mnh c. Hay nht l bn nn tham kho kin vi cc v chuyn mn thu v v chi tit trc khi c nh bn nh. Tp th ngi Vit t nn chng ta mang n nc M m rng vng tay cho n chng ta trong sut 30 nm qua; nhng iu khng c ngha l chng ta phi ng thu... v ti v. Lut php cho php rnh rnh th ti g m khng p dng.
- Xin knh tng qy b con bi ht Nh ca ta nm xa (khng r tn tc gi):

Nh ca Ta
Ci nh l nh ca ta Cng kh ng cha lp ra Chu con phi gn gi ly Mun nm vi nc non nh. Xm lng l lng ca ta Xng mu ng cha lm ra Chng ta phi gn gi ly Mun nm vi nc non nh. Cnh ng m y hng hoa Cng kh dn ta lm ra Quyt tm ta gn gi ly Nui nhau chung sng mt nh. Xm ging l tnh qu hng Chung sng vui bn rung nng C nhau cng chung sc Vn ln non nc hng cng. Ci i l i ca ta Nui dng cng lao m cha Ln khn gn gi nc Thay nhau xy p sn h.

4825 Creekstone Drive, Suite 100. Durham, NC 27703. Tel: 919-433-1870

72 Php Thn Thng Ca T Thin i Thnh

Nguyn Phi Dng Thng 3 nm 2005

hi c ngi hi v mt khm ph v i nht ca nhn loi, thin ti ton hc Albert

Einstein tr li ngay m khng cn phi suy ngh: " l Php 72 thn thng". "Php 72" hay thng gi l "Rule of 72" l mt phng thc tnh, bit v s huyn du ca php "ly tin" (the Magic of Compounding). Tng t nh trong chuyn xa ca Vit Nam, c mt ng Vua mun thng cho mt v tng c cng, hi v tng mun iu g th Vua s p ng cho. V tng ti trong lc phn vn, cha bit chn la nh th no, th ch vo bn c gm 64 , v ni: "Thn ch mun c c nhng ht go trn bn c, mt ht th nht, gp i thnh hai ht th hai, gp i thnh 4 ht th ba, ... v c tip tc gp i nh vy cho n th 64." V Vua ci ln v nh ch ngo: "tng g ch ch c th th qu d!". ng sai binh lnh mang mt bao go nh ra m v b vo bn c. Th nhng ch trong chc lt, ht bao ny n bao khc vn khng , c th cho n nm ngy sau, tt c cc kho go u ht sch m vn cha go cho bn c 64 ... Bn c tnh th xem: 1 thnh 2, 2 thnh 4, 4 thnh 8, 8 thnh 16, 16 thnh 32, 32 thnh 64, 64 thnh 128, ri 256, 512, 1024, 2048, 4096, 8192, 16384, 32768, 65536, 131072, 262144, 524288, 1048576, 2097152, 4194304, 8388608, 16777216, 33554432, 67108864, 13421772, ... v y ch mi y th 27. C th ni nu em ht cc kho go ca c nc lc cng khng y ni n th 64. Bn ngc nhin ? y chnh l sc mnh ca s "ly tin" m t khi chng ta n. "Php 72" l mt cch tnh n gin hn, tnh vi li sut (Interest Rate). Bn ly 72 chia cho li sut, th s thnh s l s nm (year) m tin ca bn s thnh gp i, c vn ln li. Ly th d bn c $10 ngn , nu bn cho vay hay u t u vi phn li l 4%, th vi 72 chia cho 4, bn c 18. C ngha l 18 nm sau, bn c c $20 ngn; ri 18 nm na (v chi l 36 nm tng cng) bn c c $40 ngn. Nu bn bt u u t vo lc 29 tui, th 36 nm sau, lc tui v hu 65, bn c c $40 ngn . Bn dng "Php 72" m khng phi cn n my tnh. Li th tip cng vi $10 ngn tui 29, nhng thay v 4% th bn c cch u t no vi li sut 18%, xem th bn s c c bao nhiu khi bn 65 tui? Bn on th xem? 4% v 18%, c th gp 5 ln? thay v $40 ngn th bn s c $200 ngn?

72 chia cho 18 thnh 4. C ngha l c 4 nm tin bn s gp i: 29 33 37 41 45 49 53 57 61 65 tui: u t $10,000 tui: tui: tui: tui: tui: tui: tui: tui: tui: vi li sut 18%. S tin ny s gp i mi 4 nm: $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $1,280,000 $2,560,000 $5,120,000

Bn c thy s khc bit khng khip gia 4% v 18% cha? Mt bn l $40 ngn, mt bn l hn $5 triu, cng vi ngn y thi gian. l l do ti sao bn gi tin tit kim ngn hng, h ch tr c 3, 4 phn trm - ri h li cp cho bn Credit Cards, "xc" 18% khng thng tic. V ngn hng no cng giu c, sng lu sng kho, sng hng sng mnh. l cch cc ngn hng lm ra tin, h "mn u heo nu cho" mt cch trit . iu ng bun l phn ln ngi M c tin dnh dm, b vo qy tit kim ngn hng, chp nhn mt li sut qu thp ( l cha k phi tr thu trn s tin li mi nm) - ri li rt hnh din khi c ngn hng chp thun cp cho vi ci th Credit vi li sut 18 21%, v h "c" rt thoi mi. iu cn ng bun hn, l mt s ln nhng ngi mua nh, c gng dnh dm tr thm tin nh mi thng, tr cng nhanh cng tt v khng mun mang n, m h khng rng s tin Equity m h ang c gy dng, chng khc no tin b ngn hng vi li sut 0%. Cn thp hn ngn hng, v t hi hn na l h khng th no ly ra khi cn, nht l sau khi b mt vic hoc khng c thu nhp. V hu nh ngi no cng c n xe, n Credit Cards vi li sut cao ngt ngng, nhng li khng mun tr dt. Bn phi tinh thng "Php 72", trnh k "Mn u heo nu cho" ca ngn hng bng i k "Mn cho nu u heo". Bn phi bit cch mn tin ngn hng, tr 5 -7% ri u t sinh li n 20 - 30%. Ngy xa T Thin i Thnh dng 72 php thn thng, bc lng phun thnh nhiu T Thin i Thnh - th ngy nay ngi Vit x M s dng "Php 72", dng tin Equity v mn tin ngn hng u t vo a c, mua nh khp ni: mi ngi nm by cn, mi gia nh vi chc cn; th cng ng ngi Vit hi ngoi cng s mua t khong vi chc triu cn nh. n lc mnh s cho ngi M thu li. Bit u con chu vi th h sau nm nh, nm t, nm quyn, cng dm dng c tuyn b dnh c lp, bin nc M thnh nc Vit Nam cng c... Bit u c!