{"id":69,"date":"2021-07-20T07:29:08","date_gmt":"2021-07-20T07:29:08","guid":{"rendered":"https:\/\/tintucusa.com\/?p=69"},"modified":"2021-07-20T07:29:10","modified_gmt":"2021-07-20T07:29:10","slug":"kinh-doanh-bat-dong-san-my","status":"publish","type":"post","link":"https:\/\/tintucusa.com\/index.php\/2021\/07\/20\/kinh-doanh-bat-dong-san-my\/","title":{"rendered":"Kinh Doanh B\u1ea5t \u0110\u1ed9ng S\u1ea3n M\u1ef9"},"content":{"rendered":"\n<p>\u0110\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c, b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1ef9 (Real Estate) l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng vi\u1ec7c l\u00e0m \u0103n c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n t\u1ea1o \u0111\u01b0\u1ee3c ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng (Passive Income).<\/p>\n\n\n\n<p>B\u1eb1ng c\u00e1ch cho m\u01b0\u1edbn nh\u00e0 h\u00e0ng th\u00e1ng c\u0169ng nh\u01b0 ki\u1ebfm l\u1ee3i nhu\u1eadn b\u1eb1ng vi\u1ec7c l\u00ean gi\u00e1 c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n (Appreciation\/Capital Gain).<\/p>\n\n\n\n<p>B\u00ean c\u1ea1nh \u0111\u00f3 \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1ef9 c\u0169ng c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n mi\u1ec5n gi\u1ea3m thu\u1ebf (Tax Reduction) b\u1eb1ng vi\u1ec7c \u0111\u1ea7u t\u01b0 qua vi\u1ec7c th\u00e0nh l\u1eadp (kh\u00e1 d\u1ec5 d\u00e0ng) m\u1ed9t c\u00f4ng ty (Corporation).<\/p>\n\n\n\n<p>B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 kh\u1ea5u tr\u1eeb c\u00e1c chi ph\u00ed cho vi\u1ec7c \u0111\u1ea7u t\u01b0 nh\u01b0 nghi\u00ean c\u1ee9u, v\u0103n ph\u00f2ng t\u1ea1i nh\u00e0, mua xe, mua c\u00e1c v\u1eadt d\u1ee5ng trong nh\u00e0, \u0111i du l\u1ecbch k\u00e8m c\u00f4ng t\u00e1c v\u00e0 nhi\u1ec1u chi ph\u00ed kh\u00e1c n\u1eefa.<\/p>\n\n\n\n<p>\u0110\u1ec3 c\u00f3 th\u1ec3 th\u00e0nh c\u00f4ng trong \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i t\u00ecm hi\u1ec3u c\u00e1c v\u1ea5n \u0111\u1ec1 sau.<\/p>\n\n\n\n<ul><li>K\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0.<\/li><li>X\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n.<\/li><li>Th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch.<\/li><\/ul>\n\n\n\n<p>L\u1ee3i nhu\u1eadn c\u1ee7a vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c v\u00e0 qu\u00e1 tr\u00ecnh t\u00edch l\u0169y s\u1ef1 gi\u00e0u c\u00f3 c\u00f3 th\u1ec3 ch\u1eadm h\u01a1n c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c nh\u01b0:&nbsp;m\u1edf m\u1ed9t c\u01a1 s\u1edf l\u00e0m \u0103n nh\u01b0 nh\u00e0 h\u00e0ng,&nbsp;l\u00e0m nails, m\u1edf ti\u1ec7m nails ,&nbsp;\u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng kho\u00e1n nh\u01b0ng l\u1ea1i kh\u00e1 ch\u1eafc.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5 nh\u01b0 n\u1ebfu b\u1ea1n \u1edf California l\u00e0 m\u1ed9t ti\u1ec3u bang m\u00e0 b\u1ea1n cho thu\u00ea nh\u00e0 h\u01a1i b\u1ecb \u0111\u1eaft v\u00e0 gi\u00e1 thu\u00ea nh\u00e0 thu\u1ed9c h\u1eb1ng \u0111\u1eaft \u0111\u1ecf. B\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i v\u1ed1n v\u00e0 c\u00f3 l\u1ee3i nhu\u1eadn l\u1edbn n\u1ebfu nh\u01b0 mua nh\u00e0 l\u00fac gi\u00e1 tr\u1ecb th\u1ea5p v\u00e0 b\u00e1n l\u00fac gi\u00e1 tr\u1ecb cao.<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/4.bp.blogspot.com\/-1wZTd35cH0Y\/WuJQwmpOSjI\/AAAAAAAAEOE\/UnXU28Jb3xIKMsfU5QiuFniSEwF_B5IvwCEwYBhgL\/s400\/deadline-3124146_640.jpg?resize=400%2C303&amp;ssl=1\" alt=\"b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1ef9\" width=\"853\" height=\"648\"\/><figcaption>H\u00e3y c\u00f3 m\u1ed1i quan h\u1ec7 t\u1ed1t v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 th\u1ec3 vay v\u1ed1n \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf m\u1ef9<\/figcaption><\/figure>\n\n\n\n<p>\u0110\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c kh\u00f4ng c\u1ea7n m\u1ed9t s\u1ed1 v\u1ed1n l\u1edbn nh\u01b0 nhi\u1ec1u ng\u01b0\u1eddi t\u01b0\u1edfng. V\u00e0 n\u00f3 s\u1ebd gi\u00fap b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 t\u1ef1 do trong t\u00e0i ch\u00ednh (financial freedom) b\u1eb1ng c\u00e1ch c\u00f3 thu nh\u1eadp b\u1ecb \u0111\u1ed9ng t\u1eeb ti\u1ec1n cho thu\u00ea nh\u00e0 h\u00e0ng th\u00e1ng d\u00f9 b\u1ea1n kh\u00f4ng \u0111i l\u00e0m.<\/p>\n\n\n\n<p>Khi \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c th\u00ec b\u1ea1n ph\u1ea3i c\u00f3 m\u1ed9t s\u1ed1 ti\u1ec1n d\u00e0nh d\u1ee5m kho\u1ea3ng 20%(ho\u1eb7c 10%) gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ecba \u1ed1c \u0111\u1ec3 tr\u1ea3 ti\u1ec1n c\u1ecdc (Down Payment). V\u00ed d\u1ee5 nh\u01b0 b\u1ea1n t\u00ednh mua m\u1ed9t c\u0103n nh\u00e0 \u1edf Houston, Texas.<\/p>\n\n\n\n<p>Th\u00ec gi\u00e1 nh\u00e0 trung b\u00ecnh cho m\u1ed9t c\u0103n 3 ph\u00f2ng ng\u1ee7 l\u00e0 kho\u1ea3ng $140k th\u00ec b\u1ea1n ch\u1ec9 c\u1ea7n ti\u1ebft ki\u1ec7m $28k cho ti\u1ec1n c\u1ecdc v\u00e0 sau \u0111\u00f3 th\u00ec m\u01b0\u1ee3n ti\u1ec1n ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u1ea3 ph\u1ea7n c\u00f2n l\u1ea1i.<\/p>\n\n\n\n<p><strong>\u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 m\u01b0\u1ee3n ti\u1ec1n ng\u00e2n h\u00e0ng l\u00e0 b\u1ea1n ph\u1ea3i c\u00f3 ngu\u1ed3n thu nh\u1eadp kh\u00e1 v\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1t.<\/strong><\/p>\n\n\n\n<p>B\u1ea1n cho thu\u00ea c\u0103n nh\u00e0 n\u00e0y v\u1edbi gi\u00e1 trung b\u00ecnh l\u00e0 $1700 v\u00e0 tr\u1ea3 cho ng\u00e2n h\u00e0ng $1000 m\u1ed7i th\u00e1ng, t\u00ednh ra b\u1ea1n v\u1eabn c\u00f2n d\u01b0 $700 m\u1ed7i th\u00e1ng m\u1eb7c d\u00f9 b\u1ea1n ch\u1ec9 \u0111\u1ea7u t\u01b0 $28k ti\u1ec1n v\u1ed1n.<\/p>\n\n\n\n<p>Vi\u1ec7c m\u01b0\u1ee3n ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u1ee7a d\u00f9ng \u0111\u00f2n b\u1ea9y (leverage) \u0111\u1ec3 mua nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c g\u1edfi t\u1ea1i nh\u00e0 b\u0103ng \u0111\u1ec3 l\u00e0m vi\u1ec7c cho b\u1ea1n.<\/p>\n\n\n\n<p>Sau \u0111\u00f3 b\u1ea1n cho ng\u01b0\u1eddi kh\u00e1c thu\u00ea c\u0103n nh\u00e0 m\u00e0 b\u1ea1n mua \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 c\u00f3 ti\u1ec1n thu\u00ea nh\u00e0 h\u00e0ng th\u00e1ng \u0111\u1ec3 tr\u1ea3 ti\u1ec1n (mortgage) cho ng\u00e2n h\u00e0ng m\u00e0 v\u1eabn c\u00f3 l\u1ee3i nhu\u1eadn.<\/p>\n\n\n\n<p>B\u00ean c\u1ea1nh \u0111\u00f3 vi\u1ec7c m\u01b0\u1ee3n ti\u1ec1n \u0111\u1ec3 mua nh\u00e0 cho thu\u00ea l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u1ee7a n\u1ee3 t\u1ed1t (good debt). C\u00f3 ngh\u0129a l\u00e0 b\u1ea1n m\u01b0\u1ee3n ti\u1ec1n \u0111\u1ec3 ti\u1ec1n l\u00e0m vi\u1ec7c cho b\u1ea1n t\u1ea1o ngu\u1ed3n thu nh\u1eadp b\u1ecb \u0111\u1ed9ng.<\/p>\n\n\n\n<p>M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 c\u1ee7a n\u1ee3 x\u1ea5u (bad debt) nh\u01b0 b\u1ea1n m\u01b0\u1ee3n ti\u1ec1n th\u1ebb t\u00edn d\u1ee5ng (credit card) \u0111\u1ec3 mua c\u00e1c h\u00e0ng xa x\u1ec9 ph\u1ea9m ho\u1eb7c m\u01b0\u1ee3n n\u1ee3 \u0111\u1ec3 mua nh\u00e0 qu\u00e1 l\u1edbn \u0111\u1ec3 \u1edf trong khi b\u1ea1n ch\u1ec9 c\u1ea7n m\u1ed9t c\u0103n nh\u00e0 nh\u1ecf.<\/p>\n\n\n\n<p>Ho\u1eb7c m\u01b0\u1ee3n n\u1ee3 \u0111\u1ec3 mua xe \u0111\u1eb9p trong khi ch\u1ec9 c\u1ea7n m\u1ed9t chi\u1ebfc xe t\u1ed1t.<\/p>\n\n\n\n<p>Vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c (n\u1ebfu nh\u01b0 b\u1ea1n t\u00ednh \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i, l\u00e0m l\u1edbn) \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i c\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 h\u1ed7 tr\u1ee3 b\u1ea1n nh\u01b0: lu\u1eadt s\u01b0 (<strong>Lawyer<\/strong>), k\u1ebf to\u00e1n (<strong>Accountant<\/strong>), nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ecba \u1ed1c (<strong>Real Estate Broker<\/strong>), nh\u00e0 cho vay (<strong>Loan Broker<\/strong>), v\u00e0 chuy\u00ean vi\u00ean ki\u1ec3m tra nh\u00e0.<\/p>\n\n\n\n<p>Nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng ngh\u0129 l\u00e0 vi\u1ec7c c\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 nh\u01b0 tr\u00ean l\u00e0 kh\u00f4ng quan tr\u1ecdng l\u00e0 ho\u00e0n to\u00e0n sai. S\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a b\u1ea1n trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 \u0111\u1ecba \u1ed1c c\u00f3 \u0111\u1ebfn 90% l\u00e0 n\u1eb1m trong tay \u0111\u1ed9i ng\u0169 n\u00e0y t\u1ea1i v\u00ec:<\/p>\n\n\n\n<ul><li>H\u1ecd s\u1ebd gi\u00fap b\u1ea1n ki\u1ebfm m\u1ed9t \u0111\u1ecba \u1ed1c t\u1ed1t d\u01b0\u1edbi gi\u00e1 tr\u1ecb.<\/li><li>H\u1ecd s\u1ebd gi\u00fap b\u1ea1n c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 ph\u00e1p l\u00fd, ki\u1ec7n t\u1ee5ng, tranh ch\u1ea5p.<\/li><li>H\u1ecd s\u1ebd quy\u1ebft \u0111\u1ecbnh b\u1ea1n c\u00f3 vay \u0111\u01b0\u1ee3c ti\u1ec1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0.<\/li><li>H\u1ecd s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m tra c\u0103n nh\u00e0, \u0111\u1ecba \u1ed1c \u0111\u1ec3 tr\u00e1nh b\u1ecb mua nh\u1eefng l\u1ea7m.<\/li><\/ul>\n\n\n\n<p><strong>B\u1ea1n kh\u00f4ng th\u1ec3 n\u00e0o l\u00e0m h\u1ebft c\u00e1c c\u00f4ng vi\u1ec7c tr\u00ean v\u00ec c\u01a1 b\u1ea3n l\u00e0 kh\u00f4ng c\u00f3 \u0111\u1ee7 th\u1eddi gian v\u00e0 kh\u00f4ng hi\u1ec7u qu\u1ea3.<\/strong><\/p>\n\n\n\n<p>Cho n\u00ean b\u1ea1n c\u1ea7n ph\u1ea3i coi h\u1ecd nh\u01b0 l\u00e0 nh\u1eefng ng\u01b0\u1eddi b\u1ea1n t\u1ed1t v\u00e0 tr\u1ea3 cho h\u1ecd m\u1ed9t m\u1ee9c ph\u00ed x\u1ee9ng \u0111\u00e1ng v\u00ec h\u1ecd r\u1ea5t bi\u1ebft gi\u00e1 tr\u1ecb c\u1ee7a c\u00f4ng vi\u1ec7c m\u00ecnh \u0111ang l\u00e0m ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ecm c\u00e1ch ti\u1ebft ki\u1ec7m ti\u1ec1n ph\u00ed (fees).<\/p>\n\n\n\n<p>V\u00ec h\u1ecd c\u00f3 l\u00e0m ra ti\u1ec1n th\u00ec b\u1ea1n m\u1edbi l\u00e0m ra ti\u1ec1n \u0111\u01b0\u1ee3c. Khi b\u1ea1n tr\u1ea3 cho h\u1ecd m\u1ed9t m\u1ee9c ph\u00ed x\u1ee9ng \u0111\u00e1ng v\u1edbi c\u00f4ng s\u1ee9c h\u1ecd b\u1ecf ra th\u00ec b\u1ea1n s\u1ebd l\u00e0 ng\u01b0\u1eddi h\u1ecd g\u1ecdi \u0111\u1ea7u ti\u00ean n\u1ebfu c\u00f3 m\u1ed9t c\u01a1 h\u1ed9i (good deal) l\u00e0m gi\u00e0u trong \u0111\u1ecba \u1ed1c.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ea7u t\u01b0 v\u00e0o \u0111\u1ecba \u1ed1c, b\u1ea5t \u0111\u1ed9ng s\u1ea3n m\u1ef9 (Real Estate) l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng vi\u1ec7c l\u00e0m \u0103n c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n t\u1ea1o \u0111\u01b0\u1ee3c ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng (Passive Income). B\u1eb1ng c\u00e1ch cho m\u01b0\u1edbn nh\u00e0 h\u00e0ng th\u00e1ng c\u0169ng nh\u01b0 ki\u1ebfm l\u1ee3i nhu\u1eadn b\u1eb1ng vi\u1ec7c l\u00ean gi\u00e1 c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n (Appreciation\/Capital Gain). B\u00ean [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"_links":{"self":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/69"}],"collection":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":0,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/69\/revisions"}],"wp:attachment":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/media?parent=69"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/categories?post=69"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/tags?post=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}