{"id":19316,"date":"2021-06-02T15:22:00","date_gmt":"2021-06-02T08:22:00","guid":{"rendered":"http:\/\/helpsme.misa.local\/2022\/?post_type=ht_kb&#038;p=19316"},"modified":"2021-08-20T14:21:00","modified_gmt":"2021-08-20T07:21:00","slug":"tinh-lich-tra-no-vay","status":"publish","type":"ht_kb","link":"http:\/\/helpsme2021.misa.vn\/2022\/kb\/tinh-lich-tra-no-vay\/","title":{"rendered":"T\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3 vay"},"content":{"rendered":"<p><span style=\"font-size: 14pt;\"><strong>1. N\u1ed9i dung<\/strong><\/span><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">Ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 t\u00ednh to\u00e1n l\u1ecbch tr\u1ea3 n\u1ee3 v\u00e0 nh\u1eafc nh\u1edf khi c\u00f3 kho\u1ea3n n\u1ee3 s\u1eafp \u0111\u1ebfn h\u1ea1n gi\u00fap Doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng s\u1eafp x\u1ebfp ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>2. H\u01b0\u1edbng d\u1eabn<\/strong><\/span><\/p>\n<p style=\"padding-left: 40px;\">1. Ch\u1ecdn Kh\u1ebf \u01b0\u1edbc vay mu\u1ed1n t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3.<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">2. Ch\u01b0\u01a1ng tr\u00ecnh t\u1ef1 \u0111\u1ed9ng t\u00ednh to\u00e1n l\u1ecbch tr\u1ea3 n\u1ee3 d\u1ef1a tr\u00ean c\u00e1c\u00a0<strong>Th\u00f4ng tin tr\u1ea3 n\u1ee3 <\/strong><a href=\"\/2022\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0111\u00e3 \u0111\u01b0\u1ee3c khai b\u00e1o tr\u00ean Kh\u1ebf \u01b0\u1edbc vay.<\/a><\/p>\n<p style=\"padding-left: 40px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium wp-image-20149\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/anh-1-700x566.png\" alt=\"\" width=\"700\" height=\"566\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/anh-1-700x566.png 700w, \/2022\/wp-content\/uploads\/2021\/06\/anh-1-50x40.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/anh-1-60x49.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/anh-1-100x81.png 100w, \/2022\/wp-content\/uploads\/2021\/06\/anh-1.png 705w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">Trong \u0111\u00f3:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: justify;\">V\u1edbi c\u00e1ch t\u00ednh l\u00e3i\u00a0<strong>T\u00ednh tr\u00ean d\u01b0 n\u1ee3 th\u1ef1c t\u1ebf: <\/strong><strong>L\u00e3i ph\u1ea3i tr\u1ea3 = N\u1ee3 g\u1ed1c \u0111\u1ea7u k\u1ef3 <\/strong><strong>x S\u1ed1 ng\u00e0y t\u00ednh l\u00e3i x L\u00e3i su\u1ea5t ng\u00e0y\u00a0<\/strong><em>(L\u00e3i su\u1ea5t ng\u00e0y = L\u00e3i su\u1ea5t n\u0103m\/365 ho\u1eb7c 360 ng\u00e0y t\u00f9y theo tham s\u1ed1 \u0111\u00e3 ch\u1ecdn)<\/em><\/li>\n<li style=\"text-align: justify;\">V\u1edbi c\u00e1ch t\u00ednh l\u00e3i\u00a0<strong>T\u00ednh tr\u00ean n\u1ee3 g\u1ed1c ban \u0111\u1ea7u<\/strong>:\u00a0<strong>L\u00e3i ph\u1ea3i tr\u1ea3 = S\u1ed1 ti\u1ec1n vay <\/strong><strong>x S\u1ed1 ng\u00e0y t\u00ednh l\u00e3i x L\u00e3i su\u1ea5t ng\u00e0y\u00a0<\/strong><em>(L\u00e3i su\u1ea5t ng\u00e0y = L\u00e3i su\u1ea5t n\u0103m\/365 ho\u1eb7c 360 ng\u00e0y t\u00f9y theo tham s\u1ed1 \u0111\u00e3 ch\u1ecdn)<\/em><\/li>\n<li style=\"text-align: justify;\"><strong><strong>L\u00e3i \u0111\u00e3 tr\u1ea3: <\/strong><\/strong>B\u1eb1ng t<span style=\"color: #000000;\">\u1ed5ng <strong>PS N\u1ee3 635, 241, 242, 335\/C\u00f3 111, 112, 131<\/strong><\/span> tr\u00ean c\u00e1c ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3 c\u1ee7a k\u1ef3 \u0111\u00f3.<\/li>\n<li style=\"text-align: justify;\"><strong>G\u1ed1c \u0111\u00e3 tr\u1ea3<\/strong>: <span style=\"color: #000000;\">T\u1ed5ng <strong>PS N\u1ee3 TK 341\/C\u00f3 111, 112, 131<\/strong><\/span><span style=\"color: #ff0000;\"><strong>\u00a0<\/strong><\/span>tr\u00ean c\u00e1c ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3 c\u1ee7a k\u1ef3 \u0111\u00f3<\/li>\n<li style=\"text-align: justify;\"><strong>Ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3 <\/strong>bao g\u1ed3m<strong>:<\/strong>\n<ul>\n<li style=\"text-align: justify;\">Ch\u1ee9ng t\u1eeb \u0111\u01b0\u1ee3c sinh t\u1eeb ch\u1ee9c n\u0103ng <strong><a href=\"\/2022\/kb\/cap-nhat-tinh-hinh-thuc-hien-hop-dong-tin-dung-khe-uoc-vay-giai-ngan-tra-no-tat-toan\/#2-tra-no\">Tr\u1ea3 n\u1ee3<\/a><\/strong><\/li>\n<li style=\"text-align: justify;\">Ch\u1ee9ng t\u1eeb l\u1eadp \u1edf ph\u00e2n h\u1ec7 kh\u00e1c nh\u01b0ng \u0111\u01b0\u1ee3c ch\u1ecdn tham chi\u1ebfu t\u1edbi k\u1ef3 tr\u1ea3 n\u1ee3 t\u01b0\u01a1ng \u1ee9ng<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 120px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium wp-image-19589\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-700x600.png\" alt=\"\" width=\"700\" height=\"600\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-700x600.png 700w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-800x686.png 800w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-768x658.png 768w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-50x43.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-60x51.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-100x86.png 100w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17.png 1063w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">3. C\u00f3 th\u1ec3 t\u1ef1 nh\u1eadp\/s\u1eeda l\u1ea1i s\u1ed1 li\u1ec7u tr\u00ean <strong>B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3<\/strong> theo \u0111\u00fang th\u1ef1c t\u1ebf ph\u00e1t sinh (n\u1ebfu c\u1ea7n). \u0110\u1ec3 nh\u1eadp li\u1ec7u nhanh c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng 1 trong 3 c\u00e1ch:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: justify;\"><em><strong>Sao ch\u00e9p d\u1eef li\u1ec7u cho c\u00e1c d\u00f2ng ph\u00eda d\u01b0\u1edbi: <\/strong>N\u1ebfu s\u1ed1 li\u1ec7u c\u1ee7a d\u00f2ng tr\u00ean gi\u1ed1ng d\u00f2ng d\u01b0\u1edbi.<\/em><\/li>\n<li style=\"text-align: justify;\"><em><strong>Sao ch\u00e9p t\u1eeb excel v\u00e0o c\u1ed9t<\/strong>: N\u1ebfu \u0111\u00e3 c\u00f3 s\u1eb5n s\u1ed1 li\u1ec7u ngo\u00e0i file excel v\u00e0 mu\u1ed1n copy t\u1eebng c\u1ed9t s\u1ed1 li\u1ec7u v\u00e0o ph\u1ea7n m\u1ec1m. Xem h\u01b0\u1edbng d\u1eabn copy d\u1eef li\u1ec7u t\u1eeb excel <a href=\"\/2022\/kb\/copy-du-lieu-tu-excel-vao-chung-tu\/\" target=\"_blank\" rel=\"noopener noreferrer\">t\u1ea1i \u0111\u00e2y.<\/a><\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 80px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium wp-image-19590\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-700x383.png\" alt=\"\" width=\"700\" height=\"383\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-700x383.png 700w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-800x438.png 800w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-768x421.png 768w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-50x27.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-60x33.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-100x55.png 100w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18.png 873w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: justify;\">\u00a0<em>Nh\u1eadp kh\u1ea9u <strong>L\u1ecbch tr\u1ea3 n\u1ee3<\/strong> t\u1eeb file excel v\u00e0o ph\u1ea7n m\u1ec1m: <\/em>C\u00e1ch th\u1ef1c hi\u1ec7n t\u01b0\u01a1ng t\u1ef1 h\u01b0\u1edbng d\u1eabn <a href=\"\/2022\/kb\/html_10050000\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>t\u1ea1i \u0111\u00e2y<\/strong><\/a>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 80px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19661\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3.png\" alt=\"\" width=\"627\" height=\"457\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3.png 627w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3-50x36.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3-60x44.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3-100x73.png 100w\" sizes=\"(max-width: 627px) 100vw, 627px\" \/><\/p>\n<p style=\"padding-left: 40px;\">4. Nh\u1ea5n <strong>C\u1ea5t<\/strong>.<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">5. C\u00f3 th\u1ec3 thi\u1ebft l\u1eadp \u0111\u1ec3 ch\u01b0\u01a1ng tr\u00ecnh nh\u1eafc nh\u1edf khi c\u00f3 kho\u1ea3n n\u1ee3 s\u1eafp \u0111\u1ebfn h\u1ea1n; th\u00f4ng b\u00e1o t\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f2n ph\u1ea3i tr\u1ea3 theo h\u01b0\u1edbng d\u1eabn <a href=\"\/2022\/kb\/canh-bao-nhac-nho-thong-minh\/#thiet-lap-nhac-nho-khe-uoc-vay\" target=\"_blank\" rel=\"noopener noreferrer\">t\u1ea1i \u0111\u00e2y<\/a>.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>3. L\u01b0u \u00fd<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\">1. C\u00f3 th\u1ec3 ch\u1ec9nh s\u1eeda <strong>Th\u00f4ng tin tr\u1ea3 n\u1ee3<\/strong> tr\u00ean <strong>B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3<\/strong> theo \u0111\u00fang th\u1ef1c t\u1ebf =&gt; sau khi <strong>C\u1ea5t <\/strong>ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt th\u00f4ng tin thay \u0111\u1ed5i v\u00e0o <a href=\"\/2022\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\" target=\"_blank\" rel=\"noopener noreferrer\">kh\u1ebf \u01b0\u1edbc vay<\/a> t\u01b0\u01a1ng \u1ee9ng.<\/p>\n<p style=\"padding-left: 40px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-20151\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/anh-2.png\" alt=\"\" width=\"574\" height=\"296\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/anh-2.png 574w, \/2022\/wp-content\/uploads\/2021\/06\/anh-2-50x26.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/anh-2-60x31.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/anh-2-100x52.png 100w\" sizes=\"(max-width: 574px) 100vw, 574px\" \/><\/p>\n<p style=\"text-align: justify;\">2. Sau khi s\u1eeda <strong>Th\u00f4ng tin tr\u1ea3 n\u1ee3<\/strong> (k\u1ef3 tr\u1ea3 g\u1ed1c, tr\u1ea3 l\u00e3i, c\u00e1ch t\u00ednh l\u00e3i&#8230;) ho\u1eb7c khi <a href=\"\/2022\/kb\/cap-nhat-tinh-hinh-thuc-hien-hop-dong-tin-dung-khe-uoc-vay-giai-ngan-tra-no-tat-toan\/#5-dieu-chinh-lai-suat\">\u0111i\u1ec1u ch\u1ec9nh l\u00e3i su\u1ea5t<\/a>; khi <a href=\"\/2022\/kb\/cap-nhat-tinh-hinh-thuc-hien-hop-dong-tin-dung-khe-uoc-vay-giai-ngan-tra-no-tat-toan\/#3-tra-no-truoc-han\">tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc h\u1ea1n<\/a>&#8230;c\u1ea7n <strong>T\u00ednh l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3 <\/strong>=&gt; Ch\u01b0\u01a1ng tr\u00ecnh s\u1ebd t\u00ednh to\u00e1n l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3 \u0111\u1ed1i v\u1edbi c\u00e1c k\u1ef3 ch\u01b0a tr\u1ea3 n\u1ee3.<\/p>\n<p style=\"padding-left: 40px;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-medium wp-image-19592\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-700x321.png\" alt=\"\" width=\"700\" height=\"321\" srcset=\"\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-700x321.png 700w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-800x367.png 800w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-768x352.png 768w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-50x23.png 50w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-60x28.png 60w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-100x46.png 100w, \/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1.png 835w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<p>3. Xem to\u00e0n b\u1ed9 lu\u1ed3ng nghi\u1ec7p v\u1ee5 qu\u1ea3n l\u00fd H\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng\/Kh\u1ebf \u01b0\u1edbc vay <a href=\"\/2022\/kb\/quan-ly-hop-dong-tin-dung-khe-uoc-vay\/\"><strong>t\u1ea1i \u0111\u00e2y<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. N\u1ed9i dung Ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 t\u00ednh to\u00e1n l\u1ecbch tr\u1ea3 n\u1ee3 v\u00e0 nh\u1eafc nh\u1edf khi c\u00f3 kho\u1ea3n n\u1ee3 s\u1eafp \u0111\u1ebfn h\u1ea1n gi\u00fap Doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng s\u1eafp x\u1ebfp ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n 2. H\u01b0\u1edbng d\u1eabn 1. Ch\u1ecdn Kh\u1ebf \u01b0\u1edbc vay mu\u1ed1n t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3. 2. Ch\u01b0\u01a1ng&#8230;<\/p>\n","protected":false},"author":133,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"_links_to":"","_links_to_target":""},"ht-kb-category":[3343],"ht-kb-tag":[],"_links":{"self":[{"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb\/19316"}],"collection":[{"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb"}],"about":[{"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/types\/ht_kb"}],"author":[{"embeddable":true,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/users\/133"}],"replies":[{"embeddable":true,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/comments?post=19316"}],"version-history":[{"count":29,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb\/19316\/revisions"}],"predecessor-version":[{"id":20394,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb\/19316\/revisions\/20394"}],"wp:attachment":[{"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/media?parent=19316"}],"wp:term":[{"taxonomy":"ht_kb_category","embeddable":true,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb-category?post=19316"},{"taxonomy":"ht_kb_tag","embeddable":true,"href":"http:\/\/helpsme2021.misa.vn\/2022\/wp-json\/wp\/v2\/ht-kb-tag?post=19316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}