{"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":"2025-11-07T14:15:19","modified_gmt":"2025-11-07T07:15:19","slug":"tinh-lich-tra-no-vay","status":"publish","type":"ht_kb","link":"https:\/\/helpsme.misa.vn\/2026\/kb\/tinh-lich-tra-no-vay\/","title":{"rendered":"T\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3 vay"},"content":{"rendered":"<div class=\"su-accordion su-u-trim\">\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><b>1. T\u1ed5ng quan<\/b><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<b>M\u1ee5c \u0111\u00edch:<\/b> H\u01b0\u1edbng d\u1eabn s\u1eed d\u1ee5ng ch\u1ee9c n\u0103ng t\u00ednh to\u00e1n l\u1ecbch tr\u1ea3 n\u1ee3 v\u00e0 thi\u1ebft l\u1eadp nh\u1eafc nh\u1edf kho\u1ea3n n\u1ee3 s\u1eafp \u0111\u1ebfn h\u1ea1n, gi\u00fap doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng qu\u1ea3n l\u00fd ngu\u1ed3n ti\u1ec1n tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n.<br \/>\n<b>N\u1ed9i dung:<\/b><\/p>\n<ul>\n<li>H\u01b0\u1edbng d\u1eabn c\u00e1c b\u01b0\u1edbc t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3 tr\u00ean ph\u1ea7n m\u1ec1m<\/li>\n<li>Gi\u1ea3i th\u00edch c\u00e1c th\u00f4ng tin, c\u00e1ch t\u00ednh l\u00e3i v\u00e0 nh\u1eadp li\u1ec7u l\u1ecbch tr\u1ea3 n\u1ee3<\/li>\n<li>L\u01b0u \u00fd khi ch\u1ec9nh s\u1eeda, c\u1eadp nh\u1eadt l\u1ecbch tr\u1ea3 n\u1ee3 v\u00e0 thi\u1ebft l\u1eadp nh\u1eafc nh\u1edf<\/li>\n<\/ul>\n<p><b>Ph\u1ea1m vi \u00e1p d\u1ee5ng:<\/b> K\u1ebf to\u00e1n, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh doanh nghi\u1ec7p <\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><b>2. C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n<\/b><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/anh-1-700x566.png\" alt=\"\" width=\"700\" height=\"566\" \/><br \/>\n<b>B\u01b0\u1edbc 1:<\/b> Ch\u1ecdn Kh\u1ebf \u01b0\u1edbc vay mu\u1ed1n t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3.<\/p>\n<p><b>B\u01b0\u1edbc 2:<\/b> 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 <b>Th\u00f4ng tin tr\u1ea3 n\u1ee3<\/b> <a href=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\">\u0111\u00e3 \u0111\u01b0\u1ee3c khai b\u00e1o tr\u00ean Kh\u1ebf \u01b0\u1edbc vay.<\/a><\/p>\n<p>Trong \u0111\u00f3:<\/p>\n<ul>\n<li><b>T\u00ednh l\u00e3i tr\u00ean d\u01b0 n\u1ee3 th\u1ef1c t\u1ebf:<\/b> L\u00e3i ph\u1ea3i tr\u1ea3 = N\u1ee3 g\u1ed1c \u0111\u1ea7u k\u1ef3 x S\u1ed1 ng\u00e0y t\u00ednh l\u00e3i x L\u00e3i su\u1ea5t ng\u00e0y (<i>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<\/i>)<\/li>\n<li><b>T\u00ednh l\u00e3i tr\u00ean n\u1ee3 g\u1ed1c ban \u0111\u1ea7u:<\/b> L\u00e3i ph\u1ea3i tr\u1ea3 = S\u1ed1 ti\u1ec1n vay x S\u1ed1 ng\u00e0y t\u00ednh l\u00e3i x L\u00e3i su\u1ea5t ng\u00e0y (<i>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<\/i>)<\/li>\n<li><b>L\u00e3i \u0111\u00e3 tr\u1ea3:<\/b> T\u1ed5ng PS N\u1ee3 635, 241, 242, 335\/C\u00f3 111, 112, 131 tr\u00ean c\u00e1c ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3 c\u1ee7a k\u1ef3 \u0111\u00f3.<\/li>\n<li><b>G\u1ed1c \u0111\u00e3 tr\u1ea3:<\/b> T\u1ed5ng PS N\u1ee3 TK 341\/C\u00f3 111, 112, 131 tr\u00ean c\u00e1c ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3 c\u1ee7a k\u1ef3 \u0111\u00f3.<\/li>\n<li><b>Ch\u1ee9ng t\u1eeb tr\u1ea3 n\u1ee3<\/b> bao g\u1ed3m:\n<ul style=\"list-style-type: disc;\">\n<li>Ch\u1ee9ng t\u1eeb \u0111\u01b0\u1ee3c sinh t\u1eeb ch\u1ee9c n\u0103ng <b><a href=\"\/2026\/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><\/b><\/li>\n<li>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<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_17-700x600.png\" alt=\"\" width=\"700\" height=\"600\" \/><br \/>\n<b>B\u01b0\u1edbc 3:<\/b> C\u00f3 th\u1ec3 t\u1ef1 nh\u1eadp\/s\u1eeda l\u1ea1i s\u1ed1 li\u1ec7u tr\u00ean <b>B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3<\/b> 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><b>Sao ch\u00e9p d\u1eef li\u1ec7u cho c\u00e1c d\u00f2ng ph\u00eda d\u01b0\u1edbi:<\/b> N\u1ebfu s\u1ed1 li\u1ec7u c\u1ee7a d\u00f2ng tr\u00ean gi\u1ed1ng d\u00f2ng d\u01b0\u1edbi.<\/li>\n<li><b>Sao ch\u00e9p t\u1eeb excel v\u00e0o c\u1ed9t:<\/b> 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.<\/li>\n<li><b>Nh\u1eadp kh\u1ea9u L\u1ecbch tr\u1ea3 n\u1ee3 t\u1eeb file excel v\u00e0o ph\u1ea7n m\u1ec1m: <\/b>Ch\u1ecdn <strong>Nh\u1eadp kh\u1ea9u<\/strong> tr\u00ean giao di\u1ec7n B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_18-700x383.png\" alt=\"\" width=\"700\" height=\"383\" \/><br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-3.png\" alt=\"\" width=\"627\" height=\"457\" \/><br \/>\n<b>B\u01b0\u1edbc 4:<\/b> Nh\u1ea5n <b>C\u1ea5t<\/b>.<\/p>\n<p><b>B\u01b0\u1edbc 5:<\/b> 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=\"\/2026\/kb\/canh-bao-nhac-nho-thong-minh\/#thiet-lap-nhac-nho-khe-uoc-vay\">t\u1ea1i \u0111\u00e2y<\/a>.<br \/>\n<\/div><\/div>\n<div class=\"su-spoiler su-spoiler-style-default su-spoiler-icon-plus\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span><\/p>\n<h3><b>3. L\u01b0u \u00fd<\/b><\/h3>\n<p><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<ul>\n<li>C\u00f3 th\u1ec3 ch\u1ec9nh s\u1eeda <b>Th\u00f4ng tin tr\u1ea3 n\u1ee3<\/b> tr\u00ean <b>B\u1ea3ng t\u00ednh l\u1ecbch tr\u1ea3 n\u1ee3<\/b> theo \u0111\u00fang th\u1ef1c t\u1ebf. Sau khi <b>C\u1ea5t<\/b>, 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=\"\/2026\/kb\/khai-bao-hop-dong-tin-dung-khe-uoc-vay\/\">kh\u1ebf \u01b0\u1edbc vay<\/a> t\u01b0\u01a1ng \u1ee9ng.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/anh-2.png\" alt=\"\" width=\"574\" height=\"296\" \/><\/p>\n<ul>\n<li>Sau khi s\u1eeda <b>Th\u00f4ng tin tr\u1ea3 n\u1ee3<\/b> (k\u1ef3 tr\u1ea3 g\u1ed1c, tr\u1ea3 l\u00e3i, c\u00e1ch t\u00ednh l\u00e3i&#8230;) ho\u1eb7c khi <a href=\"\/2026\/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=\"\/2026\/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 <b>T\u00ednh l\u1ea1i l\u1ecbch tr\u1ea3 n\u1ee3<\/b>. 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.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/helpsme.misa.vn\/2022\/wp-content\/uploads\/2021\/06\/kheuocvay_19-1-700x321.png\" alt=\"\" width=\"700\" height=\"321\" \/><\/p>\n<ul>\n<li>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=\"\/2026\/kb\/quan-ly-hop-dong-tin-dung-khe-uoc-vay\/\"><b>t\u1ea1i \u0111\u00e2y<\/b><\/a>.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":133,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"_links_to":"","_links_to_target":"","footnotes":""},"ht-kb-category":[3343],"ht-kb-tag":[],"class_list":["post-19316","ht_kb","type-ht_kb","status-publish","format-standard","hentry","ht_kb_category-khe-uoc-vay"],"_links":{"self":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb"}],"about":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/types\/ht_kb"}],"author":[{"embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/users\/133"}],"replies":[{"embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/comments?post=19316"}],"version-history":[{"count":6,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19316\/revisions"}],"predecessor-version":[{"id":55529,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb\/19316\/revisions\/55529"}],"wp:attachment":[{"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/media?parent=19316"}],"wp:term":[{"taxonomy":"ht_kb_category","embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb-category?post=19316"},{"taxonomy":"ht_kb_tag","embeddable":true,"href":"https:\/\/helpsme.misa.vn\/2026\/wp-json\/wp\/v2\/ht-kb-tag?post=19316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}