{"id":2773,"date":"2020-05-04T00:57:20","date_gmt":"2020-05-04T00:57:20","guid":{"rendered":"http:\/\/tvtinvest.com\/?p=2773"},"modified":"2020-05-04T00:57:20","modified_gmt":"2020-05-04T00:57:20","slug":"cung-suy-ngam-ve-chuyen-vay-tra-va-nhung-bai-hoc-rut-ra","status":"publish","type":"post","link":"http:\/\/tvtinvest.com\/?p=2773","title":{"rendered":"C\u00d9NG SUY NG\u1eaaM V\u1ec0 CHUY\u1ec6N VAY – TR\u1ea2\u00a0 V\u00c0 NH\u1eeeNG B\u00c0I H\u1eccC R\u00daT RA"},"content":{"rendered":"

Ai c\u0169ng b\u1ea3o n\u00f3i chuy\u1ec7n ti\u1ec1n b\u1ea1c s\u1ebd l\u00e0m t\u1ed5n th\u01b0\u01a1ng t\u1edbi t\u00ecnh c\u1ea3m \u0111\u00f4i b\u00ean. M\u1ed9t m\u1ed1i quan h\u1ec7 th\u00e2n thi\u1ebft, n\u1ebfu g\u1eb7p v\u01b0\u1edbng m\u1eafc v\u1ec1 v\u1ea5n \u0111\u1ec1 ti\u1ec1n b\u1ea1c th\u00ec \u00edt nhi\u1ec1u c\u0169ng s\u1ebd tr\u1edf n\u00ean xa c\u00e1ch.<\/span><\/p>\n

Nh\u01b0ng, c\u00e1 nh\u00e2n t\u00f4i cho r\u1eb1ng, ti\u1ec1n, ch\u00ednh l\u00e0 touchstone (ngh\u0129a \u0111en l\u00e0 m\u1ed9t lo\u1ea1i \u0111\u00e1 \u0111en r\u1ea5t c\u1ee9ng d\u00f9ng \u0111\u1ec3 th\u1eed v\u00e0ng; ngh\u0129a b\u00f3ng l\u00e0 ti\u00eau chu\u1ea9n, hay chu\u1ea9n m\u1ef1c \u0111\u1ec3 ph\u00e1n x\u00e9t<\/em>) c\u1ee7a t\u00ecnh ngh\u0129a.<\/span><\/p>\n

Th\u00e1i \u0111\u1ed9 c\u1ee7a m\u1ed9t ng\u01b0\u1eddi khi m\u01b0\u1ee3n ti\u1ec1n v\u00e0 tr\u1ea3 ti\u1ec1n, c\u00f3 th\u1ec3 cho th\u1ea5y nh\u00e2n ph\u1ea9m c\u1ee7a h\u1ecd<\/em><\/strong>, \u0111\u1ec3 b\u1ea1n bi\u1ebft \u0111\u01b0\u1ee3c r\u1eb1ng li\u1ec7u h\u1ecd c\u00f3 \u0111\u00e1ng \u0111\u1ec3 b\u1ea1n k\u1ebft giao hay kh\u00f4ng.<\/span><\/p>\n

1. Vay ti\u1ec1n, th\u1ea5u l\u00f2ng ng\u01b0\u1eddi<\/strong><\/span><\/p>\n

C\u00f3 m\u1ed9t c\u00e2u chuy\u1ec7n \u0111\u01b0\u1ee3c chia s\u1ebb nh\u01b0 sau:<\/span><\/p>\n

Nh\u00e2n v\u1eadt ch\u00ednh c\u00f3 m\u1ed9t ng\u01b0\u1eddi b\u1ea1n kh\u00e1 th\u00e2n thi\u1ebft, nh\u01b0ng ng\u01b0\u1eddi b\u1ea1n n\u00e0y l\u1ea1i c\u00f3 m\u1ed9t t\u1eadt x\u1ea5u l\u00e0 m\u01b0\u1ee3n ti\u1ec1n kh\u00f4ng tr\u1ea3<\/em>.<\/span><\/p>\n

M\u1ed7i l\u1ea7n nh\u1eafc t\u1edbi chuy\u1ec7n tr\u1ea3 ti\u1ec1n, ng\u01b0\u1eddi b\u1ea1n \u0111\u00f3 \u0111\u1ec1u t\u00ecm ra \u0111\u1ee7 m\u1ecdi l\u00fd do \u0111\u1ec3 kh\u1ea5t l\u1ea7n: <\/em><\/span>N\u00e0o l\u00e0 v\u1eeba m\u1edbi \u0111i \u0111\u1ea7u t\u01b0 n\u00ean h\u1ebft ti\u1ec1n, n\u00e0o l\u00e0 \u0111i\u1ec7n tho\u1ea1i b\u1ecb c\u01b0\u1edbp, m\u00e0 ti\u1ec1n th\u00ec \u1edf h\u1ebft trong \u0111i\u1ec7n tho\u1ea1i, mu\u1ed1n chuy\u1ec3n ti\u1ec1n th\u00ec ph\u1ea3i c\u00f3 \u0111i\u1ec7n tho\u1ea1i\u2026<\/span>Th\u1eadm ch\u00ed c\u00f2n r\u1ea5t hay c\u00f3 ki\u1ec3u m\u1ea5y ng\u00e0y li\u1ec1n kh\u00f4ng tr\u1ea3 l\u1eddi tin nh\u1eafn<\/em>, m\u1ed7i l\u1ea7n nh\u1eafc t\u1edbi th\u00ec l\u1ea1i b\u1ea3o r\u1eb1ng m\u00ecnh b\u1ecb b\u1ec7nh, ph\u1ea3i n\u1eb1m vi\u1ec7n.<\/span><\/p>\n

Th\u1ef1c ra, c\u0169ng kh\u00f4ng c\u00f3 bao nhi\u00eau ti\u1ec1n, n\u00ean c\u00f4 g\u00e1i c\u1ea3m th\u1ea5y r\u1ea5t \u0111au \u0111\u1ea7u: <\/span>D\u1eabu sao th\u00ec \u1edf ph\u01b0\u01a1ng di\u1ec7n kh\u00e1c th\u00ec c\u0169ng kh\u00e1 h\u1ee3p nhau, kh\u00e1 vui v\u1ebb, ch\u1ec9 v\u00ec m\u1ea5y tr\u0103m b\u1ea1c m\u00e0 c\u1ea1ch m\u1eb7t nhau, li\u1ec7u c\u00f3 \u0111\u00e1ng?<\/span><\/p>\n

\u0110\u00e2y \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00f3 m\u00e0 c\u00f3 l\u1ebd r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi trong ch\u00fang ta \u0111\u1ec1u g\u1eb7p ph\u1ea3i, g\u1eb7p ph\u1ea3i ng\u01b0\u1eddi b\u1ea1n vay ti\u1ec1n kh\u00f4ng tr\u1ea3, qu\u1ea3 th\u1ef1c r\u1ea5t kh\u00f3 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh hay quy\u1ebft \u0111o\u00e1n.<\/span><\/p>\n

Nh\u01b0ng \u0111\u00e3 bao gi\u1edd b\u1ea1n ng\u1ed3i l\u1ea1i v\u00e0 ngh\u0129: <\/span>C\u00f3 m\u1ea5y tr\u0103m b\u1ea1c m\u00e0 ng\u01b0\u1eddi ta c\u0169ng kh\u00f4ng n\u1ee1 tr\u1ea3, v\u1eady b\u1ea1n l\u1ea5y c\u00e1i g\u00ec ra \u0111\u1ec3 ti\u1ebfp t\u1ee5c tin t\u01b0\u1edfng v\u00e0o m\u1ed1i quan h\u1ec7 n\u00e0y?\u00a0<\/span>Th\u1ee9 l\u1ea7n n\u00e0y b\u1ea1n b\u1ecf ra c\u00f3 th\u1ec3 ch\u1ec9 l\u00e0 m\u1ea5y tr\u0103m b\u1ea1c, nh\u01b0ng \u0111\u1ee3i t\u1edbi l\u1ea7n sau, c\u00f3 l\u1ebd c\u00f2n nhi\u1ec1u h\u01a1n th\u1ebf.<\/span><\/p>\n

Ti\u1ec1n b\u1ea1c, t\u00ecnh c\u1ea3m, quan h\u1ec7\u2026 m\u1ecdi th\u1ee9 tr\u00ean ng\u01b0\u1eddi b\u1ea1n, \u0111\u1ec1u s\u1ebd b\u1ecb h\u1ecd d\u1ea7n d\u1ea7n l\u1ea5y m\u1ea5t, t\u1edbi khi b\u1ea1n “khuynh gia b\u1ea1i s\u1ea3n” th\u00ec th\u00f4i. <\/span>V\u1ea5n \u0111\u1ec1 l\u00e0 \u1edf ch\u1ed7, h\u1ecd v\u1eabn kh\u00f4ng bi\u1ebft m\u00ecnh sai \u1edf \u0111\u00e2u.<\/span><\/p>\n

K\u1ec3 t\u1eeb sau khi A tr\u1edf n\u00ean n\u1ed5i ti\u1ebfng, th\u00e2n th\u00edch b\u1ea1n b\u00e8 li\u1ec1n gi\u1ed1ng nh\u01b0 ong v\u1ee1 t\u1ed5 t\u00ecm t\u1edbi anh vay ti\u1ec1n.<\/span><\/p>\n

Con ng\u01b0\u1eddi A t\u00ecnh ngh\u0129a, n\u00f3i cho vay l\u00e0 cho vay. Nhi\u1ec1u n\u0103m tr\u00f4i qua, anh cho vay \u0111i c\u1ea3 tr\u0103m tri\u1ec7u, nh\u01b0ng g\u1ea7n nh\u01b0 m\u1ed9t \u0111\u1ed3ng v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i. <\/span>\u0110\u1ee3i t\u1edbi khi c\u1ef1c ch\u1eb3ng \u0111\u00e3 ph\u1ea3i \u0111i \u0111\u00f2i l\u1ea1i ti\u1ec1n, k\u1ebft qu\u1ea3 kh\u00f4ng ng\u1edd r\u1eb1ng ti\u1ec1n kh\u00f4ng nh\u1eefng kh\u00f4ng \u0111\u00f2i l\u1ea1i \u0111\u01b0\u1ee3c m\u00e0 c\u00f2n r\u01b0\u1edbc th\u00eam m\u1ed9t r\u1ed5 t\u1ee9c v\u00e0o th\u00e2n, b\u1edfi l\u1ebd nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3 n\u00f3i anh chi li, t\u00ednh to\u00e1n.<\/span><\/p>\n

Cho vay ti\u1ec1n, th\u1ee9 cho vay \u0111i l\u00e0 ti\u1ec1n, nh\u01b0ng th\u1ee9 b\u1ea1n nh\u00ecn th\u1ea5y \u0111\u01b0\u1ee3c l\u1ea1i ch\u00ednh l\u00e0 l\u00f2ng ng\u01b0\u1eddi<\/em><\/strong>. <\/span>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi vay ti\u1ec1n kh\u00f4ng tr\u1ea3 m\u00e0 n\u00f3i, l\u00f2ng t\u1ed1t c\u1ee7a b\u1ea1n l\u00e0 l\u1ebd \u0111\u01b0\u01a1ng nhi\u00ean, thi\u1ec7n \u00fd c\u1ee7a b\u1ea1n l\u00e0 \u0111i\u1ec1u n\u00ean l\u00e0m.<\/span><\/p>\n

B\u1ea1n b\u1ecf ra v\u00ec h\u1ecd nhi\u1ec1u t\u1edbi c\u1ee1 n\u00e0o, h\u1ecd c\u0169ng ch\u1eb3ng \u0111\u1ec3 v\u00e0o t\u00e2m, \u0111\u1ee3i t\u1edbi khi b\u1ea1n t\u00ecm t\u1edbi h\u1ecd nh\u1edd gi\u00fap \u0111\u1ee1, b\u1ea1n ch\u01b0a ch\u1eafc \u0111\u00e3 nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c h\u1ed3i \u0111\u00e1p t\u01b0\u01a1ng \u1ee9ng. Tr\u1ea7n tr\u1ee5i, nh\u01b0ng th\u1eadt<\/em>.<\/span><\/p>\n

C\u00f3 m\u1ed9t ng\u01b0\u1eddi \u0111\u1ec3 l\u1ea1i b\u00ecnh lu\u1eadn v\u1ec1 c\u00e2u chuy\u1ec7n c\u00f4 g\u00e1i cho b\u1ea1n vay ti\u1ec1n r\u1eb1ng:<\/span><\/p>\n

“Kh\u00f4ng th\u1ec3 ti\u1ebfp t\u1ee5c d\u00f9ng c\u00e1ch n\u00e0y, \u0111\u1ec3 tr\u1ea3 ti\u1ec1n cho t\u00ecnh b\u1ea1n \u0111\u01b0\u1ee3c<\/em>.”<\/span><\/p>\n

C\u1ea7n ph\u1ea3i bi\u1ebft, b\u1ea1n b\u00e8 kh\u00f4ng ph\u1ea3i c\u00e1i m\u00e1y r\u00fat ti\u1ec1n. <\/span>Ti\u1ec1n c\u1ee7a ai c\u0169ng \u0111\u1ec1u l\u00e0 v\u1ea5t v\u1ea3 m\u1edbi ki\u1ebfm ra \u0111\u01b0\u1ee3c, nh\u1eefng ng\u01b0\u1eddi m\u01b0\u1ee3n ti\u1ec1n kh\u00f4ng tr\u1ea3, \u0111\u1ec1u l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u1ed1 t\u00ecnh \u0111i n\u01b0\u1edbc c\u1edd t\u00ecnh ngh\u0129a, h\u00f2ng m\u01b0u l\u1ee3i cho b\u1ea3n th\u00e2n. <\/span><\/em>\u0110\u1ed1i m\u1eb7t v\u1edbi ki\u1ec3u ng\u01b0\u1eddi n\u00e0y, t\u00f4i khuy\u00ean b\u1ea1n, c\u00e0ng s\u1edbm tr\u00e1nh xa c\u00e0ng t\u1ed1t.<\/span><\/em><\/p>\n

2. Tr\u1ea3 ti\u1ec1n, th\u1ea5u nh\u00e2n c\u00e1ch<\/strong><\/p>\n

T\u00f4i t\u1eebng \u0111\u1ecdc qua m\u1ed9t c\u00e2u chuy\u1ec7n r\u1ea5t \u0111\u00e1ng \u0111\u1ec3 suy ng\u1eabm tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i nh\u01b0 n\u00e0y:<\/span><\/p>\n

C\u00f3 ng\u01b0\u1eddi n\u00f3i, b\u1ea1n b\u00e8 t\u00ecm m\u00ecnh vay 10 tri\u1ec7u \u0111\u1ed3ng, nh\u01b0ng l\u00fac tr\u1ea3 l\u1ea1i ch\u1ec9 tr\u1ea3 999.000 \u0111\u1ed3ng. <\/span>Trong l\u00fac anh ta c\u1ea3m th\u1ea5y kh\u00f3 hi\u1ec3u th\u00ec ng\u01b0\u1eddi b\u1ea1n \u0111\u00f3 n\u00f3i r\u1eb1ng: <\/span>“Theo l\u00fd m\u00e0 n\u00f3i, n\u1ebfu t\u00ednh c\u1ea3 l\u00e3i th\u00ec t\u00f4i n\u00ean tr\u1ea3 c\u00e2u th\u00eam ra 50.000, nh\u01b0ng c\u0169ng c\u1ea7n ph\u1ea3i kh\u1ea5u tr\u1eeb \u0111i 60.000 t\u1ec7 ti\u1ec1n ph\u00ed khi t\u00f4i \u0111i r\u00fat ti\u1ec1n, nh\u01b0ng m\u00e0 t\u00f4i ngh\u0129 999.000 l\u00e0 con s\u1ed1 may m\u1eafn, t\u00ednh ra, t\u00f4i v\u1eabn l\u1ed7 9000 \u1ea5y ch\u1ee9!” <\/em><\/span>L\u00fd do khi\u1ebfn ng\u01b0\u1eddi ta kh\u00f4ng th\u1ec3 c\u1ea3m th\u1ea5y n\u1ef1c c\u01b0\u1eddi h\u01a1n \u0111\u01b0\u1ee3c n\u1eefa.<\/span><\/p>\n

N\u00f3i chuy\u1ec7n ti\u1ec1n b\u1ea1c, c\u00f3 th\u1ec3 nh\u00ecn th\u1ea5u m\u1ed9t ng\u01b0\u1eddi. \u0110\u00e2y ch\u00ednh l\u00e0 m\u1ed9t \u01b0u \u0111i\u1ec3m khi n\u00f3i t\u1edbi chuy\u1ec7n tr\u1ea3 ti\u1ec1n<\/em><\/strong>. Nhi\u1ec1u khi, h\u1ecd m\u1eb7t d\u00e0y kh\u00f4ng mu\u1ed1n \u0111\u01b0a, b\u1ea1n c\u0169ng ng\u1ea1i khi \u0111\u00f2i. L\u00e2u d\u1ea7n, ti\u1ec1n cho vay tr\u1edf th\u00e0nh m\u1ed9t m\u00f3n n\u1ee3 h\u1ed7n t\u1ea1p, trong \u0111\u00f3 ch\u1ee9a c\u1ea3 l\u1ee3i \u00edch v\u00e0 c\u1ea3 t\u00ecnh ngh\u0129a.<\/span><\/p>\n

Ch\u1ec9 c\u00f3 nh\u1eefng ng\u01b0\u1eddi nh\u00e2n ph\u1ea9m t\u1ed1t th\u1ef1c s\u1ef1 m\u1edbi hi\u1ec3u, s\u1ef1 qua l\u1ea1i t\u1ed1t nh\u1ea5t c\u1ee7a ti\u1ec1n b\u1ea1c, \u0111\u00f3 l\u00e0 khi b\u1ea1n tho\u1ea3i m\u00e1i cho vay, c\u00f2n h\u1ecd nhanh ch\u00f3ng tr\u1ea3 l\u1ea1i \u0111\u1ee7 ti\u1ec1n. <\/span><\/em>\u0110\u00f3 g\u1ecdi l\u00e0 c\u00f3 vay c\u00f3 tr\u1ea3, mu\u1ed1n vay ti\u1ebfp c\u0169ng kh\u00f4ng kh\u00f3.<\/span><\/p>\n

L\u00fac tr\u01b0\u1edbc, tr\u00ean m\u1ea1ng c\u00f3 m\u1ed9t c\u00e2u chuy\u1ec7n r\u1ea5t ph\u1ed5 bi\u1ebfn, k\u1ec3 v\u1ec1 m\u1ed9t c\u1eadu t\u00ean Hai L\u00faa. <\/span>N\u0103m 2015, gia \u0111\u00ecnh c\u00f4 g\u1eb7p ph\u1ea3i bi\u1ebfn c\u1ed1, c\u1ea7n g\u1ea5p 30 tri\u1ec7u \u0111\u1ed3ng.<\/span><\/p>\n

\u0110\u1ed1i v\u1edbi Hai L\u00faa m\u00e0 n\u00f3i, \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 ti\u1ec1n qu\u00e1 l\u1edbn, nh\u01b0ng vi\u1ec7c \u0111\u00e3 t\u1edbi n\u01b0\u1edbc n\u00e0y, anh ch\u1ec9 c\u00f2n \u0111\u00fang m\u1ed9t con \u0111\u01b0\u1eddng \u0111\u1ec3 \u0111i, vay ti\u1ec1n.<\/span><\/p>\n

Hai L\u00faa \u0111\u00e3 \u0111\u0103ng l\u00ean trang c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh r\u1eb1ng: “Hi\u1ec7n t\u1ea1i t\u00f4i \u0111ang c\u1ea7n 30 tri\u1ec7u, c\u1ea7n 30 ng\u01b0\u1eddi b\u1ea1n, m\u1ed7i ng\u01b0\u1eddi cho t\u00f4i vay 1tri\u1ec7u<\/span>, nhi\u1ec1u h\u01a1n hay \u00edt h\u01a1n t\u00f4i \u0111\u1ec1u kh\u00f4ng nh\u1eadn. T\u00f4i s\u1ebd lu\u00f4n ghi nh\u1edb r\u1eb1ng m\u00ecnh vay c\u1ee7a 30 ng\u01b0\u1eddi, m\u1ed7i ng\u01b0\u1eddi 1tri\u1ec7u.”<\/span><\/p>\n

L\u00fac \u0111\u0103ng l\u00ean Hai L\u00faa c\u0169ng kh\u00f4ng \u00f4m qu\u00e1 nhi\u1ec1u hi v\u1ecdng, nh\u01b0ng, ch\u1ec9 trong m\u1ed9t \u0111\u00eam, anh qu\u1ea3 th\u1ef1c \u0111\u00e3 gom \u0111\u1ee7 30 tri\u1ec7u.<\/span><\/p>\n

Hai L\u00faa th\u1ec1 v\u1edbi m\u00ecnh r\u1eb1ng: m\u1ed7i th\u00e1ng anh s\u1ebd tr\u1ea3 n\u1ee3 cho 1 ng\u01b0\u1eddi, tr\u1ea3 trong v\u00f2ng 2,5 n\u0103m, s\u1ebd c\u00f3 th\u1ec3 tr\u1ea3 \u0111\u01b0\u1ee3c h\u1ebft n\u1ee3. <\/span>\u0110\u1ee3i t\u1edbi khi anh tr\u1ea3 ti\u1ec1n, kh\u00f4ng \u00edt ng\u01b0\u1eddi b\u1ea1n, th\u1eadm ch\u00ed \u0111\u00e3 qu\u00ean m\u1ea5t chuy\u1ec7n n\u00e0y. <\/span>Nh\u01b0ng Hai L\u00faa ch\u01b0a t\u1eebng ngh\u0129 s\u1ebd \u00e2m th\u1ea7m qu\u1ef5t n\u1ee3 c\u1ee7a ai, m\u00e0 \u0111\u00e3 tr\u1ea3 h\u1ebft s\u1ea1ch s\u00e0nh n\u1ee3 n\u1ea7n.<\/span><\/p>\n

Th\u1eed ngh\u0129 m\u00e0 xem: n\u1ebfu kh\u00f4ng ph\u1ea3i nh\u00e2n c\u00e1ch c\u1ee7a Hai L\u00faa c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 c\u00f4ng nh\u1eadn v\u00e0 tin t\u01b0\u1edfng c\u1ee7a m\u1ecdi ng\u01b0\u1eddi, th\u1eed h\u1ecfi anh c\u00f3 th\u1ec3 vay \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ec1n nh\u01b0 v\u1eady kh\u00f4ng? <\/em><\/span>V\u00e0 h\u00e0nh \u0111\u1ed9ng tr\u1ea3 ti\u1ec1n c\u1ee7a Hai L\u00faa, v\u1eeba hay c\u00f3 th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c nh\u00e2n c\u00e1ch c\u1ee7a anh.<\/span><\/p>\n

Con ng\u01b0\u1eddi, s\u1ed1ng \u1edf \u0111\u1eddi, \u00edt nhi\u1ec1u c\u0169ng s\u1ebd g\u1eb7p ph\u1ea3i nh\u1eefng l\u00fac l\u1ef1c b\u1ea5t t\u00f2ng t\u00e2m, kh\u00f4ng ai c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u00ecnh s\u1ebd kh\u00f4ng vay ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. <\/span><\/em>Ch\u1ec9 l\u00e0, ng\u01b0\u1eddi c\u00f3 nh\u00e2n c\u00e1ch t\u1ed3i, s\u1ebd ngh\u0129 c\u00e1ch “qu\u1ef5t n\u1ee3”<\/em><\/strong>, v\u00e0 khi qu\u1ef5t \u0111\u01b0\u1ee3c n\u1ee3 r\u1ed3i l\u00f2ng v\u1eabn th\u1ea3n nhi\u00ean, th\u1eadm ch\u00ed c\u00f2n s\u1ea3ng kho\u00e1i<\/em>.<\/span><\/p>\n

Ng\u01b0\u1eddi c\u00f3 nh\u00e2n c\u00e1ch t\u1ed1t, s\u1ebd lu\u00f4n n\u1ed7 l\u1ef1c h\u1ebft m\u00ecnh \u0111\u1ec3 c\u00f3 th\u1ec3 tr\u1ea3 h\u1ebft \u0111\u01b0\u1ee3c m\u00f3n n\u1ee3 \u00e2n t\u00ecnh n\u00e0y. <\/span><\/em><\/strong>B\u1edfi l\u1ebd h\u1ecd \u0111\u1ec1u bi\u1ebft, vay ti\u1ec1n l\u00e0 t\u00ecnh ngh\u0129a, tr\u1ea3 ti\u1ec1n l\u00e0 b\u1ed5n ph\u1eadn. <\/span>N\u1ebfu g\u1eb7p \u0111\u01b0\u1ee3c ng\u01b0\u1eddi nh\u01b0 v\u1eady, v\u1eady th\u00ec ch\u00fac m\u1eebng, m\u1eaft b\u1ea1n kh\u00f4ng c\u00f3 m\u00f9!<\/span><\/p>\n

3. Cho vay ti\u1ec1n m\u1ed9t l\u1ea7n, r\u1ed3i b\u1ea1n s\u1ebd hi\u1ec3u<\/strong><\/p>\n

M\u1ed1i quan h\u1ec7 gi\u1eefa con ng\u01b0\u1eddi l\u00e0 m\u1ed9t m\u1ed1i t\u01a1 v\u00f2, r\u1ea5t kh\u00f3 l\u1ea7n ra \u0111\u01b0\u1ee3c \u0111\u1ea7u m\u1ed1i.<\/span><\/p>\n

Nh\u01b0ng cho vay ti\u1ec1n m\u1ed9t l\u1ea7n r\u1ed3i, tin r\u1eb1ng b\u1ea1n s\u1ebd hi\u1ec3u ra: ng\u01b0\u1eddi n\u00e0o, n\u00ean cho vay, ng\u01b0\u1eddi n\u00e0o, kh\u00f4ng n\u00ean cho vay.<\/em><\/span><\/p>\n

a\/ Quan h\u1ec7 xa x\u00f4i, kh\u00f4ng cho vay<\/em><\/strong><\/span><\/p>\n

Tr\u00ean m\u1ea1ng c\u00f3 m\u1ed9t c\u00e2u n\u00f3i r\u1ea5t th\u00fa v\u1ecb r\u1eb1ng:<\/span><\/p>\n

“N\u1ebfu m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng th\u00e2n thi\u1ebft l\u1eafm<\/strong> t\u1edbi t\u00ecm b\u1ea1n vay ti\u1ec1n, v\u1eady th\u00ec \u0111\u1eebng cho vay. B\u1edfi l\u1ebd h\u1ecd \u0111\u00e3 kh\u00f4ng vay n\u1ed5i ti\u1ec1n t\u1eeb nh\u1eefng ng\u01b0\u1eddi th\u00e2n thi\u1ebft n\u1eefa r\u1ed3i.<\/strong><\/em>“<\/strong><\/span><\/p>\n

Qu\u1ea3 th\u1ef1c l\u00e0 v\u1eady.<\/span><\/p>\n

N\u1ebfu c\u00f3 m\u1ed9t ng\u01b0\u1eddi nh\u01b0 v\u1eady, b\u00ecnh th\u01b0\u1eddng l\u01b0\u1eddi quan h\u1ec7, li\u00ean l\u1ea1c v\u1edbi b\u1ea1n, t\u1edbi khi c\u1ea7n ti\u1ec1n, ngay l\u1eadp t\u1ee9c t\u1ef1 \u0111\u1ed9ng t\u1edbi g\u00f5 c\u1eeda nh\u00e0 b\u1ea1n, v\u1eady th\u00ec t\u00f4i khuy\u00ean b\u1ea1n l\u00fac cho vay, nh\u1ea5t \u0111\u1ecbnh h\u00e3y th\u1eadn tr\u1ecdng.<\/span><\/p>\n

B\u1edfi l\u1ebd b\u1ea1n kh\u00f4ng th\u1ec3 ch\u1eafc ch\u1eafn \u0111\u01b0\u1ee3c r\u1eb1ng li\u1ec7u h\u1ecd c\u00f3 tr\u1ea3 l\u1ea1i b\u1ea1n kho\u1ea3n ti\u1ec1n n\u00e0y kh\u00f4ng. B\u1edfi l\u1ebd b\u1ea1n v\u00e0 h\u1ecd \u0111\u00e2u c\u00f3 th\u00e2n thi\u1ebft t\u1edbi m\u1ee9c \u0111\u1ec3 h\u1ecd ph\u1ea3i day d\u1ee9t v\u00ec m\u00f3n n\u1ee3 \u00e2n t\u00ecnh v\u1edbi b\u1ea1n.<\/span><\/p>\n

b\/ Vi\u1ec7c kh\u00f4ng g\u1ea5p g\u00e1p, kh\u00f4ng cho vay<\/em><\/strong><\/span><\/p>\n

\u0110\u1ed3ng nghi\u1ec7p t\u1eebng k\u1ec3 cho t\u00f4i nghe m\u1ed9t c\u00e2u chuy\u1ec7n nh\u01b0 n\u00e0y: b\u1ed7ng m\u1ed9t h\u00f4m, ng\u01b0\u1eddi b\u1ea1n c\u00f9ng nhau l\u1edbn l\u00ean v\u1edbi c\u00f4 \u1ea5y t\u00ecm c\u00f4 \u1ea5y vay ti\u1ec1n.\u00a0<\/span>C\u00f4 \u1ea5y c\u1ee9 ngh\u0129 l\u00e0 c\u00f3 vi\u1ec7c g\u00ec g\u1ea5p g\u00e1p l\u1eafm, v\u1ed9i v\u1ed9i v\u00e0ng v\u00e0ng chuy\u1ec3n ti\u1ec1n cho ng\u01b0\u1eddi b\u1ea1n kia.\u00a0<\/span>Nh\u01b0ng, sau n\u00e0y m\u1edbi v\u1ee1 l\u1ebd ra l\u00e0 ng\u01b0\u1eddi b\u1ea1n \u0111\u00f3 ch\u1eb3ng c\u00f3 vi\u1ec7c g\u00ec g\u1ea5p g\u00e1p, ch\u1ec9 l\u00e0 \u0111ang g\u00f3p ti\u1ec1n \u0111\u1ec3 mua c\u00e1i t\u00fai h\u00e0ng hi\u1ec7u.\u00a0<\/span>R\u1ed3i \u0111\u1ee3i t\u1edbi l\u00fac c\u00f4 \u1ea5y mu\u1ed1n \u0111\u00f2i l\u1ea1i ti\u1ec1n, ng\u01b0\u1eddi b\u1ea1n lu\u00f4n n\u00f3i \u0111\u1ee3i th\u00eam \u00edt h\u00f4m, r\u1ed3i l\u1ea1i \u0111\u1ee3i, \u0111\u1ee3i \u0111i \u0111\u1ee3i l\u1ea1i v\u1eabn ch\u1eb3ng th\u1ea5y \u0111\u00e2u.<\/span><\/p>\n

B\u1ea1n v\u00ec cho vay ti\u1ec1n m\u00e0 \u0103n u\u1ed1ng kh\u00e9p n\u00e9p, ti\u00eau d\u00f9ng ti\u1ebft ki\u1ec7m, c\u00f2n h\u1ecd l\u1ea1i c\u1ea7m ti\u1ec1n c\u1ee7a b\u1ea1n \u0111i ti\u00eau s\u00e0i hoang ph\u00ed, nh\u01b0 v\u1eady, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u00e1ng.<\/span><\/em><\/p>\n

c\/ V\u01b0\u1ee3t qua ngo\u00e0i kh\u1ea3 n\u0103ng, kh\u00f4ng cho vay<\/em><\/strong><\/span><\/p>\n

C\u00f3 nh\u1eefng ng\u01b0\u1eddi r\u1ea5t s\u0129 di\u1ec7n, m\u1ed9t khi n\u1ebfm \u0111\u01b0\u1ee3c v\u1ecb ng\u1ecdt ng\u00e0o c\u1ee7a nh\u1eefng l\u1eddi n\u00f3i t\u00e2ng b\u1ed1c, n\u1ecbnh h\u00f3t, li\u1ec1n kh\u00f4ng suy ngh\u0129 g\u00ec, l\u1eadp t\u1ee9c m\u00f3c t\u00fai ti\u1ec1n c\u1ee7a m\u00ecnh ra cho ng\u01b0\u1eddi kh\u00e1c ti\u00eau.<\/span><\/p>\n

Nh\u01b0ng \u0111\u00f4i khi, b\u1ea1n kh\u00f4ng th\u1ec3 kh\u00f4ng th\u1eeba nh\u1eadn r\u1eb1ng, c\u00f3 nh\u1eefng \u0111\u1ed3ng ti\u1ec1n cho vay \u0111i, \u0111\u1ec1u l\u00e0 nh\u1eefng \u0111\u1ed3ng ti\u1ec1n v\u1ed7 b\u00e9o cho ng\u01b0\u1eddi kh\u00e1c<\/em><\/strong>.<\/span><\/p>\n

Th\u1eed h\u1ecfi m\u00e0 xem: cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n b\u1ea1n c\u00f2n ch\u01b0a lo xong, v\u00ec sao l\u1ea1i c\u00f2n ph\u1ea3i g\u00e1nh v\u00e1c th\u00eam c\u1ea3 cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi kh\u00e1c?<\/span><\/em><\/strong><\/p>\n

N\u1ebfu ai \u0111\u00f3 t\u00ecm b\u1ea1n vay ti\u1ec1n, nh\u01b0ng l\u1ea1i v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng c\u1ee7a b\u1ea1n, v\u1eady th\u00ec l\u00e0m \u01a1n, d\u00f9 ng\u01b0\u1eddi ta c\u00f3 n\u1ecbnh n\u1ecdt ra sao, c\u0169ng h\u00e3y l\u00fd t\u00ednh m\u1ed9t ch\u00fat, b\u1edbt s\u0129 di\u1ec7n h\u00e3o l\u1ea1i m\u1ed9t ch\u00fat, h\u00e3y ngh\u0129 t\u1edbi ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng c\u1ee7a m\u00ecnh v\u00e0 c\u1ea3 gia \u0111\u00ecnh c\u1ee7a m\u00ecnh tr\u01b0\u1edbc \u0111\u00e3, \u0111\u1eebng t\u00f9y ti\u1ec7n cho vay<\/em>.<\/span><\/p>\n

T\u00f4i r\u1ea5t th\u00edch c\u00e2u n\u00f3i n\u00e0y: “B\u1ea1n b\u00e8 ch\u01a1i v\u1edbi nhau, qu\u00fd \u1edf tho\u1ea3i m\u00e1i, qu\u00fd \u1edf th\u1eb3ng th\u1eafn. T\u00f4i kh\u00f4ng hi v\u1ecdng h\u1ecd kh\u00f3 m\u1edf l\u1eddi khi t\u00ecm t\u00f4i vay ti\u1ec1n, c\u0169ng kh\u00f4ng hi v\u1ecdng m\u00ecnh ph\u1ea3i d\u00e8 d\u1eb7t khi t\u00ecm h\u1ecd \u0111\u00f2i ti\u1ec1n.<\/em>“<\/span><\/p>\n

B\u1ea1n b\u00e8 qua l\u1ea1i v\u1edbi nhau m\u00e0 c\u1ee9 \u0111\u1ec3 ch\u1eef ti\u1ec1n xen v\u00e0o gi\u1eefa, \u1eaft s\u1ebd tr\u1edf n\u00ean r\u1ea5t ph\u1ee9c t\u1ea1p, kh\u00f3 x\u1eed. <\/span><\/em><\/strong>Kh\u00f4ng c\u1ea9n th\u1eadn m\u1ed9t ch\u00fat th\u00f4i, b\u1ea1n c\u00f3 th\u1ec3 m\u1ea5t \u0111i m\u1ed9t ng\u01b0\u1eddi b\u1ea1n, ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ng\u01b0\u1eddi “b\u00e8”.<\/span><\/p>\n

V\u00ec v\u1eady, t<\/em>r\u01b0\u1edbc khi cho ai vay ti\u1ec1n, h\u00e3y suy ngh\u0129 m\u1ed9t c\u00e1ch th\u1eadn tr\u1ecdng<\/em><\/strong>.<\/span><\/p>\n

C\u00f2n m\u1ed9t \u0111i\u1ec1u, h\u00e3y tr\u00e2n tr\u1ecdng nh\u1eefng ng\u01b0\u1eddi khi\u1ebfn b\u1ea1n c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i khi n\u00f3i v\u1ec1 chuy\u1ec7n ti\u1ec1n b\u1ea1c, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ng\u1ea7n ng\u1ea1i cho b\u1ea1n vay ti\u1ec1n, nh\u1eefng ng\u01b0\u1eddi tr\u1ea3 ti\u1ec1n b\u1ea1n \u0111\u00fang th\u1eddi h\u1ea1n, v\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi \u0111i \u0103n kh\u00f4ng bao gi\u1edd tr\u1ed1n tr\u00e1nh thanh to\u00e1n, nh\u1eefng ng\u01b0\u1eddi nh\u01b0 v\u1eady, h\u1ecd qu\u00fd h\u01a1n c\u1ea3 ti\u1ec1n b\u1ea1c.<\/em><\/span><\/p>\n

S\u01afU T\u1ea6M<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Ai c\u0169ng b\u1ea3o n\u00f3i chuy\u1ec7n ti\u1ec1n b\u1ea1c s\u1ebd l\u00e0m t\u1ed5n th\u01b0\u01a1ng t\u1edbi t\u00ecnh c\u1ea3m \u0111\u00f4i b\u00ean. M\u1ed9t m\u1ed1i quan h\u1ec7 th\u00e2n thi\u1ebft, n\u1ebfu g\u1eb7p v\u01b0\u1edbng m\u1eafc v\u1ec1 v\u1ea5n \u0111\u1ec1 ti\u1ec1n b\u1ea1c th\u00ec \u00edt nhi\u1ec1u c\u0169ng s\u1ebd tr\u1edf n\u00ean xa c\u00e1ch. Nh\u01b0ng, c\u00e1 nh\u00e2n t\u00f4i cho r\u1eb1ng, ti\u1ec1n, ch\u00ednh l\u00e0 touchstone (ngh\u0129a \u0111en l\u00e0 m\u1ed9t lo\u1ea1i \u0111\u00e1 \u0111en r\u1ea5t c\u1ee9ng d\u00f9ng […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[],"_links":{"self":[{"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/posts\/2773"}],"collection":[{"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2773"}],"version-history":[{"count":1,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/posts\/2773\/revisions"}],"predecessor-version":[{"id":2774,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=\/wp\/v2\/posts\/2773\/revisions\/2774"}],"wp:attachment":[{"href":"http:\/\/tvtinvest.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2773"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/tvtinvest.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}