{"id":8491,"date":"2025-10-25T10:47:34","date_gmt":"2025-10-25T03:47:34","guid":{"rendered":"https:\/\/vn.alphaloan.co\/blog\/?p=8491"},"modified":"2026-04-17T10:11:42","modified_gmt":"2026-04-17T03:11:42","slug":"lai-suat-vay-ngan-hang-techcombank","status":"publish","type":"post","link":"https:\/\/vn.alphaloan.co\/blog\/lai-suat-vay-ngan-hang-techcombank\/","title":{"rendered":"C\u1eadp nh\u1eadt l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng Techcombank m\u1edbi nh\u1ea5t 04\/2026"},"content":{"rendered":"\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><em>L\u00e3i su\u1ea5t cho vay lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u m\u00e0 t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u1ea7n ph\u1ea3i n\u1eafm r\u00f5 khi quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n \u1edf ng\u00e2n h\u00e0ng. N\u1ebfu b\u1ea1n \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh \u0111\u0103ng k\u00fd vay ng\u00e2n h\u00e0ng Techcombank nh\u01b0ng l\u1ea1i ch\u01b0a n\u1eafm r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t \u1edf \u0111\u00e2y ra sao th\u00ec h\u00e3y c\u00f9ng <a href=\"https:\/\/vn.alphaloan.co\/\" target=\"_blank\" rel=\"noopener\">AlphaLoan<\/a> t\u00ecm hi\u1ec3u r\u00f5 v\u1ec1 l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng Techcombank qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y nh\u00e9!<\/em><\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">1. T\u1ed5ng quan v\u1ec1 ng\u00e2n h\u00e0ng Techcombank<\/span><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n K\u1ef9 Th\u01b0\u01a1ng Vi\u1ec7t Nam &#8211; Techcombank l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp ng\u00e0y 27\/9\/1993 t\u1ea1i H\u00e0 N\u1ed9i v\u1edbi v\u1ed1n \u0111i\u1ec1u l\u1ec7 ban \u0111\u1ea7u 20 t\u1ef7 \u0111\u1ed3ng. Tr\u1ee5 s\u1edf ch\u00ednh \u0111\u1eb7t t\u1ea1i s\u1ed1 6 Quang Trung, qu\u1eadn Ho\u00e0n Ki\u1ebfm, H\u00e0 N\u1ed9i, Techcombank hi\u1ec7n c\u00f3 m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh r\u1ed9ng kh\u1eafp to\u00e0n qu\u1ed1c, h\u01a1n 11,000 nh\u00e2n vi\u00ean v\u00e0 l\u00e0 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u ch\u00e2u \u00c1 v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1. Trong su\u1ed1t th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng, \u0111\u01a1n v\u1ecb n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c vinh danh trong nhi\u1ec1u gi\u1ea3i th\u01b0\u1edfng qu\u1ed1c t\u1ebfv\u00ed d\u1ee5 nh\u01b0 6 l\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c danh hi\u1ec7u &#8220;Ng\u00e2n h\u00e0ng t\u1ed1t nh\u1ea5t Vi\u1ec7t Nam&#8221; do Euromoney \u0111\u1ec1 c\u1eed.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Techcombank cung c\u1ea5p \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m vay v\u1ed1n cho c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p t\u1eeb vay t\u00edn ch\u1ea5p, vay th\u1ebf ch\u1ea5p, th\u1ebb t\u00edn d\u1ee5ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng kh\u00e1c. T\u00ednh \u0111\u1ebfn qu\u00fd 1\/2025, Techcombank ti\u1ebfp t\u1ee5c d\u1eabn \u0111\u1ea7u to\u00e0n qu\u1ed1c v\u1ec1 giao d\u1ecbch \u0111i\u1ec7n t\u1eed v\u1edbi g\u1ea7n 886 tri\u1ec7u l\u01b0\u1ee3t t\u1eeb kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, cho th\u1ea5y ng\u00e2n h\u00e0ng n\u00e0y ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c nhi\u1ec1u kh\u00e1ch h\u00e0ng tin d\u00f9ng v\u00e0 m\u1edf r\u1ed9ng quy m\u00f4 d\u1ecbch v\u1ee5.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" width=\"620\" height=\"465\" class=\"wp-image-8496\" src=\"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-1.jpg\" alt=\"ph\u00f2ng giao d\u1ecbch ng\u00e2n h\u00e0ng Techcombank\" srcset=\"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-1.jpg 620w, https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-1-300x225.jpg 300w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/>\r\n<figcaption class=\"wp-element-caption\">Techcombank n\u1ed5i b\u1eadt v\u1edbi l\u00e3i su\u1ea5t v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">2. L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n ng\u00e2n h\u00e0ng Techcombank th\u00e1ng 03\/2026<\/span><\/h2>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n:<strong> 9.45%\/n\u0103m<\/strong><\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i su\u1ea5t cho vay b\u00ecnh qu\u00e2n v\u1edbi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p: <strong>7.70%\/n\u0103m<\/strong><\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 l\u00e3i cho vay b\u00ecnh qu\u00e2n kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n: <strong>4.34%<\/strong><\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Ch\u00eanh l\u1ec7ch l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi v\u00e0 l\u00e3i cho vay b\u00ecnh qu\u00e2n kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p: <strong>2.59%<\/strong><\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Nh\u1eefng ch\u1ec9 s\u1ed1 n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n d\u1ef1a tr\u00ean th\u1ed1ng k\u00ea to\u00e0n b\u1ed9 giao d\u1ecbch b\u1eb1ng VND chi\u1ebfu theo c\u00e1c s\u1ea3n ph\u1ea9m vay v\u1ed1n \u0111ang \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng Techcombank cung c\u1ea5p v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng th\u00e1ng.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"620\" height=\"465\" class=\"wp-image-8497\" src=\"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-2.jpg\" alt=\"nh\u00e2n vi\u00ean Techcombank \u0111i\u1ec1u ch\u1ec9nh b\u1ea3ng l\u00e3i su\u1ea5t huy \u0111\u1ed9ng\" srcset=\"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-2.jpg 620w, https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-2-300x225.jpg 300w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/>\r\n<figcaption class=\"wp-element-caption\">L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m Techcombank \u0111\u01b0\u1ee3c d\u00e1n c\u00f4ng khai<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">3. L\u00e3i su\u1ea5t cho vay c\u01a1 s\u1edf ng\u00e2n h\u00e0ng Techcombank th\u00e1ng 04\/2026<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">3.1. L\u00e3i su\u1ea5t cho vay c\u01a1 s\u1edf d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n<\/span><\/h3>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ph\u00e2n lo\u1ea1i<\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>M\u1ee5c \u0111\u00edch cho vay<\/strong><\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Ng\u1eafn h\u1ea1n\u00a0<\/strong><\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Trung h\u1ea1n<\/strong><\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>D\u00e0i h\u1ea1n\u00a0<\/strong><\/span><\/th>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf chu\u1ea9n<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n; vay ti\u00eau d\u00f9ng th\u1ebf ch\u1ea5p; vay mua \u00f4 t\u00f4 \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf chu\u1ea9n<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.5%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.5%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.5%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf Vingroup \/ Th\u1ea3o \u0110i\u1ec1n \/ M-One<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u1ed9c d\u1ef1 \u00e1n \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf Vingroup \/ Th\u1ea3o \u0110i\u1ec1n \/ M-One<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.35%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.50%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.80%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf D\u1ef1 \u00e1n<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n thu\u1ed9c d\u1ef1 \u00e1n \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf d\u1ef1 \u00e1n<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.50%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.70%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.95%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf (bao g\u1ed3m nh\u01b0ng kh\u00f4ng gi\u1edbi h\u1ea1n c\u00e1c kho\u1ea3n vay: vay mua B\u0110S, vay ti\u00eau d\u00f9ng th\u1ebf ch\u1ea5p, vay mua \u00f4 t\u00f4, \u2026)<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.50%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.70%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.95%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf auto Vinfast<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay mua xe \u00f4 t\u00f4 Vinfast \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf auto Vinfast<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.00%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.00%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9.00%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t c\u01a1 s\u1edf auto Thaco<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">C\u00e1c kho\u1ea3n vay mua xe \u00f4 t\u00f4 Thaco \u0111i\u1ec1u ch\u1ec9nh theo l\u00e3i su\u1ea5t c\u01a1 s\u1edf auto Thaco<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10.00%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10.00%<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10.00%<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\n<div class=\"wp-block-essential-blocks-wrapper  root-eb-wrapper-hruf3\"><div class=\"eb-parent-wrapper eb-parent-eb-wrapper-hruf3 \"><div class=\"eb-wrapper-outer eb-wrapper-hruf3\"><div class=\"eb-wrapper-inner\"><div class=\"eb-wrapper-inner-blocks eb-wrapper-align-center\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:120%\">\n<div class=\"wp-block-essential-blocks-text  root-eb-text-8is13\"><div class=\"eb-parent-wrapper eb-parent-eb-text-8is13 \"><div class=\"eb-text-wrapper eb-text-8is13\" data-id=\"eb-text-8is13\"><p class=\"eb-text\"><strong>G\u1eb7p nhi\u1ec1u tr\u1edf ng\u1ea1i khi vay v\u1ed1n?<\/strong><br><strong>Kh\u00f4ng bi\u1ebft vay g\u00f3i n\u00e0o ph\u00f9 h\u1ee3p?<\/strong><br>AlphaLoan c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n t\u00ecm kho\u1ea3n vay t\u1ed1i \u01b0u v\u1edbi t\u1ef7 l\u1ec7 duy\u1ec7t cao, gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m th\u1eddi gian c\u1ee7a m\u00ecnh.<br><strong>1000+ KH\u00c1CH H\u00c0NG H\u00c0I L\u00d2NG <\/strong>\ud83d\udcaf<\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-dual-button  root-eb-button-group-aipao\"><div class=\"eb-parent-wrapper eb-parent-eb-button-group-aipao \"><div class=\"eb-button-group-wrapper eb-button-group-aipao preset-2\" data-id=\"eb-button-group-aipao\"><div class=\"eb-button-inner-wrapper \"><a class=\"eb-button-anchor eb-button-one\" href=\"https:\/\/pse.is\/8et785\" target=\"_blank\" rel=\"noopener\"><div class=\"eb-button-text eb-button-one-text\">\u2192 Xem th\u00f4ng tin  <\/div><\/a><\/div><div class=\"eb-button-inner-wrapper \"><a class=\"eb-button-anchor eb-button-two\" href=\"https:\/\/zalo.me\/alphaloanvietnam\" target=\"_blank\" rel=\"noopener\"><div class=\"eb-button-text eb-button-two-text\">\u2192 T\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp<\/div><\/a><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-essential-blocks-advanced-image  root-eb-advanced-image-70itr\"><div class=\"eb-parent-wrapper eb-parent-eb-advanced-image-70itr \"><figure class=\"eb-advanced-image-wrapper eb-advanced-image-70itr img-style-rounded caption-style-1 caption-horizontal-center caption-vertical-bottom bottom no-effect\" data-id=\"eb-advanced-image-70itr\"><div class=\"image-wrapper\"><img decoding=\"async\" src=\"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/11\/2.jpg\" alt=\"\"\/><\/div><\/figure><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div>\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">3.2. L\u00e3i su\u1ea5t cho vay c\u01a1 s\u1edf d\u00e0nh cho kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p<\/span><\/h3>\r\n\r\n\r\n\r\n<ul>\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i su\u1ea5t c\u01a1 s\u1edf ng\u1eafn h\u1ea1n VND:<strong> 8.1%\/n\u0103m<\/strong><\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n\r\n<ul>\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i su\u1ea5t c\u01a1 s\u1edf trung h\u1ea1n VND: <strong>9.5%\/n\u0103m<\/strong><\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n\r\n<ul>\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i su\u1ea5t c\u01a1 s\u1edf cho vay d\u00e0i h\u1ea1n VND: <strong>10%\/n\u0103m<\/strong><\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">4. Ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t cho vay \u0111\u1ed1i v\u1edbi d\u1ef1 \u00e1n nh\u00e0 x\u00e3 h\u1ed9i ng\u00e2n h\u00e0ng Techcombank<\/span><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">D\u1ef1a theo th\u00f4ng b\u00e1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, Techcombank \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u mua d\u1ef1 \u00e1n nh\u00e0 \u1edf x\u00e3 h\u1ed9i, c\u1ee5 th\u1ec3 nh\u01b0 b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y:<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>\u0110\u1ed1i t\u01b0\u1ee3ng<\/strong><\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>L\u00e3i su\u1ea5t \u00e1p d\u1ee5ng<\/strong><\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Kh\u00e1ch h\u00e0ng th\u00f4ng th\u01b0\u1eddng<\/span><\/td>\r\n<td style=\"text-align: center;\" rowspan=\"2\"><span style=\"font-family: arial, helvetica, sans-serif;\">5.9%\/n\u0103m<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Kh\u00e1ch h\u00e0ng d\u01b0\u1edbi 35 tu\u1ed5i<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">5. H\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh l\u00e3i vay ng\u00e2n h\u00e0ng Techcombank chi ti\u1ebft<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">5.1. L\u00e3i theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/span><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">\u0110\u00e2y l\u00e0 c\u00e1ch t\u00ednh l\u00e3i ph\u1ed5 bi\u1ebfn nh\u1ea5t, \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft m\u1ecdi ng\u00e2n h\u00e0ng trong \u0111\u00f3 c\u00f3 c\u1ea3 Techcombank \u00e1p d\u1ee5ng. C\u00e1c s\u1ea3n ph\u1ea9m vay s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c t\u00ednh l\u00e3i theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n th\u01b0\u1eddng l\u00e0 c\u00e1c kho\u1ea3n vay d\u00e0i h\u1ea1n nh\u01b0 vay mua nh\u00e0, mua xe \u00f4 t\u00f4. V\u1edbi c\u00e1ch t\u00ednh n\u00e0y, ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 s\u1ebd gi\u1ea3m d\u1ea7n theo th\u1eddi gian, c\u00f4ng th\u1ee9c t\u00ednh l\u00e3i theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Ti\u1ec1n l\u00e3i th\u00e1ng = (D\u01b0 n\u1ee3 cu\u1ed1i k\u1ef3) x (L\u00e3i su\u1ea5t vay theo n\u0103m)\/12<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>V\u00ed d\u1ee5:<\/strong> Anh Tr\u1ea7n V\u0103n B vay 120.000.000\u0111 t\u1ea1i ng\u00e2n h\u00e0ng Techcombank trong 12 th\u00e1ng, v\u1edbi l\u00e3i su\u1ea5t 8%\/n\u0103m theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n.<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\"><strong data-start=\"672\" data-end=\"702\">Ti\u1ec1n g\u1ed1c tr\u1ea3 m\u1ed7i th\u00e1ng: <\/strong>120.000.000 \/ 12 = <strong data-start=\"724\" data-end=\"742\">10.000.000 VND<\/strong><\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Ti\u1ec1n l\u00e3i th\u00e1ng<\/strong> = D\u01b0 n\u1ee3 g\u1ed1c c\u00f2n l\u1ea1i \u00d7 (L\u00e3i su\u1ea5t n\u0103m \/ 12), chi ti\u1ebft theo b\u1ea3ng sau:<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Th\u00e1ng<\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">D\u01b0 n\u1ee3 cu\u1ed1i k\u1ef3<\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">G\u1ed1c tr\u1ea3<\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">L\u00e3i tr\u1ea3<\/span><\/th>\r\n<th style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">T\u1ed5ng tr\u1ea3<\/span><\/th>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">1<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">110,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">1,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">11,000,000<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">2<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">100,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">916,667<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,916,667<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">3<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">90,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">833,333<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,833,333<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">4<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">80,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">750,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,750,000<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">5<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">70,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">666,667<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,666,667<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">6<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">60,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">583,333<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,583,333<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">7<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">50,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">500,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,500,000<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">8<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">40,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">416,667<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,416,667<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">9<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">30,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">333,333<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,333,333<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">20,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">250,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,250,000<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">11<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">166,667<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,166,667<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">12<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">0<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,000,000<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">83,333<\/span><\/td>\r\n<td style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">10,083,333<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong data-start=\"760\" data-end=\"781\">T\u1ed5ng l\u00e3i ph\u1ea3i tr\u1ea3<\/strong>: 1,000,000 + 916,667 + 833,333 + \u2026 + 83.333 \u2248 <strong>6,000,000 \u0111\u1ed3ng<\/strong><\/li>\r\n\r\n\r\n\r\n<li><strong data-start=\"848\" data-end=\"876\">T\u1ed5ng ti\u1ec1n ph\u1ea3i tr\u1ea3 c\u1ea3 k\u1ef3<\/strong>: kho\u1ea3ng <strong data-start=\"885\" data-end=\"902\">126,000,000 \u0111\u1ed3ng<\/strong><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">5.2. L\u00e3i theo d\u01b0 n\u1ee3 c\u1ed1 \u0111\u1ecbnh<\/span><\/h3>\r\n\r\n\r\n\r\n<p>\u0110\u00e2y l\u00e0 c\u00e1ch t\u00ednh l\u00e3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng ng\u1eafn h\u1ea1n v\u1edbi gi\u00e1 tr\u1ecb kh\u00f4ng qu\u00e1 cao.<\/p>\r\n\r\n\r\n\r\n<p><strong>L\u00e3i vay = S\u1ed1 ti\u1ec1n vay \u00d7 L\u00e3i su\u1ea5t n\u0103m \u00d7 (S\u1ed1 th\u00e1ng vay \/ 12)<\/strong><\/p>\r\n\r\n\r\n\r\n<p>V\u00ed d\u1ee5: Ch\u1ecb Nguy\u1ec5n Th\u1ecb H vay t\u00edn ch\u1ea5p ti\u00eau d\u00f9ng t\u1ea1i ng\u00e2n h\u00e0ng Techcombank 40.000.000 \u0111\u1ed3ng trong 12 th\u00e1ng, v\u1edbi l\u00e3i su\u1ea5t 15%\/n\u0103m th\u00ec ti\u1ec1n l\u00e3i s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\r\n<p data-start=\"755\" data-end=\"821\"><strong data-start=\"755\" data-end=\"769\">L\u00e3i c\u1ea3 k\u1ef3: <\/strong>40,000,000 \u00d7 15% \u00d7 (12 \/ 12) = <strong>6,000,000 \u0111\u1ed3ng<\/strong><\/p>\r\n<\/li>\r\n\r\n\r\n\r\n<li>\r\n<p data-start=\"825\" data-end=\"880\"><strong data-start=\"825\" data-end=\"844\">L\u00e3i h\u00e0ng th\u00e1ng: <\/strong>6,000,000 \/ 12 = <strong>500,000 \u0111\u1ed3ng<\/strong><\/p>\r\n<\/li>\r\n\r\n\r\n\r\n<li>\r\n<p data-start=\"884\" data-end=\"942\"><strong data-start=\"884\" data-end=\"903\">G\u1ed1c h\u00e0ng th\u00e1ng: <\/strong>40,000,000 \/ 12 = <strong>3,333,333 \u0111\u1ed3ng<\/strong><\/p>\r\n<\/li>\r\n\r\n\r\n\r\n<li>\r\n<p data-start=\"946\" data-end=\"1021\"><strong data-start=\"946\" data-end=\"970\">T\u1ed5ng tr\u1ea3 h\u00e0ng th\u00e1ng: <\/strong>3,333,333 + 500,000 = <strong data-start=\"997\" data-end=\"1021\">3,833,333 \u0111\u1ed3ng\/th\u00e1ng<\/strong><\/p>\r\n<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span style=\"font-family: arial, helvetica, sans-serif;\">5.3. L\u00e3i theo ng\u00e0y vay th\u1ea5u chi<\/span><\/h3>\r\n\r\n\r\n\r\n<p>V\u00ec c\u00e1c kho\u1ea3n vay th\u1ea5u chi th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p ng\u1eafn h\u1ea1n n\u00ean ti\u1ec1n l\u00e3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh theo ng\u00e0y \u0111\u1ec3 thu\u1eadn l\u1ee3i cho vi\u1ec7c chi tr\u1ea3.<\/p>\r\n\r\n\r\n\r\n<p><strong>Ti\u1ec1n l\u00e3i = S\u1ed1 ti\u1ec1n s\u1eed d\u1ee5ng th\u1ea5u chi \u00d7 L\u00e3i su\u1ea5t (%\/n\u0103m) \u00f7 360 \u00d7 S\u1ed1 ng\u00e0y th\u1ef1c t\u1ebf s\u1eed d\u1ee5ng<\/strong><\/p>\r\n\r\n\r\n\r\n<p><strong>V\u00ed d\u1ee5<\/strong>: Anh c\u1ea7n thanh to\u00e1n h\u1ecdc ph\u00ed g\u1ea5p cho con v\u00e0\u00a0 s\u1eed d\u1ee5ng th\u1ea5u chi 50 tri\u1ec7u VND t\u1eeb ng\u00e2n h\u00e0ng Techcombank v\u1edbi l\u00e3i su\u1ea5t 18%\/n\u0103m, d\u00f9ng 15 ng\u00e0y.<\/p>\r\n\r\n\r\n\r\n<p><strong>L\u00e3i vay th\u1ea5u chi trong 15 ng\u00e0y:<\/strong> 50,000,000 \u00d7 18% \u00f7 360 \u00d7 15 \u2248 375,000 \u0111\u1ed3ng<\/p>\r\n<p><em><strong>&gt;&gt; Xem th\u00eam: <\/strong><a href=\"https:\/\/vn.alphaloan.co\/blog\/phi-thuong-nien-techcombank\/\" target=\"_blank\" rel=\"noopener\">T\u1ed5ng H\u1ee3p Ph\u00ed Th\u01b0\u1eddng Ni\u00ean Techcombank M\u1edbi Nh\u1ea5t\u00a0<\/a><\/em><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">L\u1eddi k\u1ebft<\/h2>\r\n\r\n\r\n\r\n<p><em>B\u1ea1n \u0111\u1ecdc c\u1ee7a AlphaLoan c\u1ea7n l\u01b0u \u00fd r\u1eb1ng t\u1ea5t c\u1ea3 nh\u1eefng th\u00f4ng tin v\u1ec1 l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng Techcombank \u0111\u01b0\u1ee3c chia s\u1ebb trong b\u00e0i vi\u1ebft n\u00e0y \u0111\u1ec1u l\u00e0 s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea b\u00ecnh qu\u00e2n mang t\u00ednh ch\u1ea5t tham kh\u1ea3o ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t ch\u00ednh th\u1ee9c \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n vay hi\u1ec7n t\u1ea1i \u1edf ng\u00e2n h\u00e0ng Techcombank. \u0110\u1ec3 bi\u1ebft ch\u00ednh x\u00e1c l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho t\u1eebng c\u00e1 nh\u00e2n v\u00e0 s\u1ea3n ph\u1ea9m, b\u1ea1n c\u1ea7n li\u00ean h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n r\u00f5 r\u00e0ng v\u00e0 c\u1ee5 th\u1ec3 h\u01a1n b\u1edfi v\u00ec l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng kh\u00f4ng c\u1ed1 \u0111\u1ecbnh m\u00e0 s\u1ebd thay \u0111\u1ed5i li\u00ean t\u1ee5c \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng v\u00e0 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i kh\u00e1ch h\u00e0ng.\u00a0<\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>L\u00e3i su\u1ea5t cho vay lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u m\u00e0 t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u1ea7n ph\u1ea3i n\u1eafm r\u00f5 khi quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n \u1edf ng\u00e2n h\u00e0ng. N\u1ebfu b\u1ea1n \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh \u0111\u0103ng k\u00fd vay ng\u00e2n h\u00e0ng Techcombank nh\u01b0ng l\u1ea1i ch\u01b0a n\u1eafm r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t \u1edf \u0111\u00e2y ra sao th\u00ec [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":8498,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","rank_math_lock_modified_date":false,"_uag_custom_page_level_css":"","ub_ctt_via":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[418],"tags":[464],"class_list":["post-8491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-vay-von","tag-techcombank"],"featured_image_src":"https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover.jpg","author_info":{"display_name":"May","author_link":"https:\/\/vn.alphaloan.co\/blog\/author\/may\/"},"uagb_featured_image_src":{"full":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover.jpg",1640,924,false],"thumbnail":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover-150x150.jpg",150,150,true],"medium":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover-300x169.jpg",300,169,true],"medium_large":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover-768x433.jpg",768,433,true],"large":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover-1024x577.jpg",1024,577,true],"1536x1536":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover-1536x865.jpg",1536,865,true],"2048x2048":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover.jpg",1640,924,false],"crp_thumbnail":["https:\/\/vn.alphaloan.co\/blog\/wp-content\/uploads\/2025\/10\/lai-suat-vay-ngan-hang-techcombank-cover.jpg",35,20,false]},"uagb_author_info":{"display_name":"May","author_link":"https:\/\/vn.alphaloan.co\/blog\/author\/may\/"},"uagb_comment_info":0,"uagb_excerpt":"L\u00e3i su\u1ea5t cho vay lu\u00f4n l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u m\u00e0 t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u1ea7n ph\u1ea3i n\u1eafm r\u00f5 khi quy\u1ebft \u0111\u1ecbnh vay v\u1ed1n \u1edf ng\u00e2n h\u00e0ng. N\u1ebfu b\u1ea1n \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh \u0111\u0103ng k\u00fd vay ng\u00e2n h\u00e0ng Techcombank nh\u01b0ng l\u1ea1i ch\u01b0a n\u1eafm r\u00f5 m\u1ee9c l\u00e3i su\u1ea5t \u1edf \u0111\u00e2y ra sao th\u00ec&hellip;","_links":{"self":[{"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/8491"}],"collection":[{"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/comments?post=8491"}],"version-history":[{"count":14,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/8491\/revisions"}],"predecessor-version":[{"id":10040,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/8491\/revisions\/10040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/media\/8498"}],"wp:attachment":[{"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/media?parent=8491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/categories?post=8491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vn.alphaloan.co\/blog\/wp-json\/wp\/v2\/tags?post=8491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}