{"id":3858,"date":"2024-07-23T18:09:04","date_gmt":"2024-07-23T11:09:04","guid":{"rendered":"http:\/\/htttdn.com\/?post_type=ht_kb&p=3858"},"modified":"2024-07-23T18:09:04","modified_gmt":"2024-07-23T11:09:04","slug":"kinh-nghiem-quyet-toan-thue-khi-thanh-tra-thue","status":"publish","type":"ht_kb","link":"https:\/\/htttdn.com\/index.php\/tin-tuc\/kinh-nghiem-quyet-toan-thue-khi-thanh-tra-thue\/","title":{"rendered":"Kinh nghi\u1ec7m quy\u1ebft to\u00e1n thu\u1ebf khi thanh tra thu\u1ebf"},"content":{"rendered":"

Ngu\u1ed3n: <\/span>Ketoanthienung<\/span><\/a><\/p>\n

\"\"<\/p>\n

D\u01b0\u1edbi \u0111\u00e2y la\u0300 nh\u01b0\u0303ng kinh nghi\u00ea\u0323m quy\u00ea\u0301t toa\u0301n thu\u00ea\u0301 TNDN th\u01b0\u0323c t\u00ea\u0301 ma\u0300 ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u \u0111\u01b0\u1ee3c tr\u00ean di\u00ea\u0303n \u0111a\u0300n webketoan chia se\u0309 xin ph\u00e9p chia se\u0309 l\u00ean \u0111\u00e2y \u0111\u00ea\u0309 ca\u0301c ba\u0323n cu\u0300ng tham kha\u0309o v\u00e0 h\u1ecdc h\u1ecfi k\u1ef9 n\u0103ng.<\/span><\/p>\n

V\u1ea5n \u0111\u1ec1 1: K\u00ea khai thu\u1ebf GTGT<\/b><\/h2>\n
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  • Ch\u1ec9 k\u00ea khai thu\u1ebf khi c\u00f3 h\u00f3a \u0111\u01a1n g\u1ed1c (n\u1ebfu l\u00e0 mua h\u00e0ng trong n\u01b0\u1edbc) ho\u1eb7c gi\u1ea5y n\u1ed9p ti\u1ec1n thu\u1ebf g\u1ed1c (n\u1ebfu l\u00e0 h\u00e0ng nh\u1eadp kh\u1ea9u). N\u1ebfu v\u00ec l\u00fd do n\u00e0o \u0111\u00f3 m\u00e0 trong tay ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3n g\u1ed1c m\u00e0 ch\u1ec9 c\u00f3 b\u1ea3n photo hay scan th\u00ec ph\u1ea3i ghi ch\u00fa l\u1ea1i, \u0111\u1ec3 nh\u1edb m\u00e0 \u0111\u00f2i , kh\u00f4ng th\u00ec c\u00f4ng vi\u1ec7c b\u1ec1 b\u1ed9n v\u00e0i ng\u00e0y sau ch\u1eafc ch\u1eafn s\u1ebd qu\u00ean ngay r\u1ed3i s\u1ebd qu\u00ean lu\u00f4n, khi c\u1ea7n kh\u00f4ng c\u00f3 th\u00ec phi\u1ec1n h\u00e0 l\u1eafm \u0111\u00e2y.<\/span><\/li>\n
  • D\u1ef1a v\u00e0o gi\u1ea5y n\u1ed9p ti\u1ec1n thu\u1ebf \u0111\u1ec3 k\u00ea khai h\u00e0ng nh\u1eadp kh\u1ea9u, ch\u1ee9 kh\u00f4ng d\u1ef1a v\u00e0o T\u1edd khai h\u1ea3i quan..<\/span><\/li>\n<\/ul>\n

    M\u00ecnh \u0111\u00e3 d\u1ef1a v\u00e0o t\u1edd khai \u0111\u1ec3 k\u00ea khai lu\u00f4n, khi m\u00e0 ch\u01b0a n\u1ed9p s\u1ed1 ti\u1ec1n thu\u1ebf \u0111\u00f3. Do m\u00ecnh nh\u1eadp h\u00e0ng th\u00ec \u0111\u00e3 ph\u1ea3i h\u1ea1ch to\u00e1n 133 v\u00e0o ph\u1ea7n m\u1ec1m r\u1ed3i, m\u00e0 n\u1ebfu \u0111\u1ee3i \u0111\u1ebfn th\u00e1ng sau m\u1edbi \u0111\u01b0\u1ee3c k\u00ea khai th\u00ec th\u00e0nh ra s\u1ed5 c\u00e1i 133 c\u1ee7a m\u00ecnh b\u1ecb l\u1ec7ch so v\u1edbi b\u1ea3ng k\u00ea \u0111\u1ea7u v\u00e0o, v\u00ec th\u1ebf m\u00e0 m\u00ecnh quy\u1ebft \u0111\u1ecbnh k\u00ea khai lu\u00f4n. Khi \u0111\u00f3 m\u00ecnh ch\u01b0a bi\u1ebft l\u00e0 \u201cch\u1ec9 \u0111\u01b0\u1ee3c k\u00ea khai khi c\u00f3 gi\u1ea5y n\u1ed9p thu\u1ebf\u201d, m\u00e0 m\u00ecnh c\u1ee9 l\u00e0m theo k\u1ebf to\u00e1n tr\u01b0\u1edbc, th\u1ea5y ng\u01b0\u1eddi ta l\u00e0m sao m\u00ecnh l\u00e0m v\u1eady.<\/span><\/p>\n

    H\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c n\u00e0y l\u00e0 khi quy\u1ebft to\u00e1n, m\u00ecnh b\u1ecb ph\u1ea1t h\u00e0nh vi \u201ck\u00ea khai sai k\u1ef3 t\u00ednh thu\u1ebf\u201d v\u00e0 \u201cph\u1ea1t ch\u1eadm n\u1ed9p thu\u1ebf GTGT\u201d (H\u1ecd \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i gi\u1ea5y n\u1ed9p thu\u1ebf th\u00e1ng n\u00e0o th\u00ec k\u00ea khai th\u00e1ng \u0111\u00f3, sau \u0111\u00f3 th\u00e1ng n\u00e0o ph\u00e1t sinh d\u01b0\u01a1ng thu\u1ebf ph\u1ea3i n\u1ed9p th\u00ec h\u1ecd t\u00ednh ti\u1ec1n ph\u1ea1t).<\/span><\/p>\n

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    • \u00a0\u00a0Khi k\u00ea khai xong, n\u1ed9p b\u00e1o c\u00e1o thu\u1ebf r\u1ed3i, th\u00ec k\u1ebft xu\u1ea5t t\u1edd khai ra file Excel l\u01b0u l\u1ea1i lu\u00f4n v\u00e0o 1 folder, sau n\u00e0y khi quy\u1ebft to\u00e1n s\u1ebd d\u00f9ng \u0111\u1ebfn.<\/span><\/li>\n<\/ul>\n

      (M\u1eb7c d\u00f9 hi\u1ec7n t\u1ea1i ch\u1ec9 c\u1ea7n n\u1ed9p T\u1edd khai, kh\u00f4ng ph\u1ea3i n\u1ed9p B\u1ea3ng k\u00ea b\u00e1n ra mua v\u00e0o v\u00e0 tr\u00ean ph\u1ea7n m\u1ec1m HTKK c\u0169ng ko c\u00f3 -> Nh\u01b0ng c\u00e1c b\u1ea1n n\u00ean l\u00e0m chi ti\u1ebft tr\u00ean B\u1ea3ng k\u00ea Excel, r\u1ed3i l\u1ea5y s\u1ed1 li\u1ec7u \u0111\u00f3 k\u00ea khai v\u00e0o T\u1edd khai tr\u00ean ph\u1ea7n m\u1ec1m HTKK, v\u00ec nh\u01b0 th\u1ebf m\u1edbi bi\u1ebft \u0111\u01b0\u1ee3c l\u00e0 m\u00ecnh \u0111\u00e3 k\u00ea khai nh\u1eefng h\u00f3a \u0111\u01a1n n\u00e0o, v\u00e0 n\u1ebfu c\u00f3 sai s\u00f3t th\u00ec c\u00f2n bi\u1ebft \u0111\u1ec3 ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu, \u0111i\u1ec1u ch\u1ec9nh).<\/span><\/p>\n

      V\u1ea5n \u0111\u1ec1 2: H\u00e0ng h\u00f3a<\/b><\/h2>\n
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      • H\u00e0ng xu\u1ea5t d\u00f9ng n\u1ed9i b\u1ed9, h\u00e0ng xu\u1ea5t khuy\u1ebfn m\u00e3i, h\u00e0ng cho bi\u1ebfu t\u1eb7ng\u2026 b\u1ea5t c\u1ee9 h\u00e0ng g\u00ec m\u00e0 c\u1ee9 xu\u1ea5t ra kh\u1ecfi kho l\u00e0 ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n nha (cho n\u00f3 ch\u1eafc), c\u00f2n c\u00e1ch xu\u1ea5t h\u00f3a \u0111\u01a1n nh\u01b0 th\u1ebf n\u00e0o th\u00ec t\u00f9y t\u1eebng tr\u01b0\u1eddng h\u1ee3p s\u1ebd l\u1eadp kh\u00e1c nhau, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 tham kh\u1ea3o tr\u00ean m\u1ea1ng nha. H\u00f3a \u0111\u01a1n l\u00e0 c\u00e1i ph\u1ea7n lu\u00f4n b\u1ecb b\u1eaft b\u1ebb n\u1ebfu thi\u1ebfu, v\u1eady n\u00ean th\u00e0 d\u01b0 h\u01a1n thi\u1ebfu.<\/span><\/li>\n
      • V\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh l\u00e0: \u0110ang t\u00ed t\u1eedng v\u00ec th\u1ea5y m\u1ea5y b\u1eefa r\u1ed3i, kh\u00f4ng th\u1ea5y thu\u1ebf g\u1ecdi \u0111i\u1ec7n g\u00ec h\u1ebft, ngh\u0129 l\u00e0 \u1ed5n h\u1ebft r\u1ed3i, th\u00ec l\u1ea1i nghe c\u00fa \u0111i\u1ec7n tho\u1ea1i \u201cEm \u01a1i, sao nh\u1eefng Phi\u1ebfu xu\u1ea5t kho n\u00e0y, ch\u1ecb kh\u00f4ng th\u1ea5y em xu\u1ea5t h\u00f3a \u0111\u01a1n g\u00ec h\u1ebft v\u1eady em? Ch\u1ecb li\u1ec7t k\u00ea ra \u0111\u00e2y, em gi\u1ea3i tr\u00ecnh nha\u201d. C\u00f4ng ty m\u00ecnh c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p sau kh\u00f4ng xu\u1ea5t h\u00f3a \u0111\u01a1n:<\/span><\/li>\n<\/ul>\n

        1\/ H\u00e0ng b\u1ea3o h\u00e0nh: l\u00e0 ph\u1ee5 t\u00f9ng m\u00ecnh xu\u1ea5t ra, \u0111\u1ec3 k\u1ef9 thu\u1eadt h\u1ecd thay cho kh\u00e1ch (L\u00fac n\u00e0y m\u00ecnh ch\u01b0a bi\u1ebft v\u1ee5 ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n khi d\u00f9ng n\u1ed9i b\u1ed9). V\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh, tuy m\u00ecnh kh\u00f4ng c\u00f3 xu\u1ea5t h\u00f3a \u0111\u01a1n, nh\u01b0ng m\u00ecnh c\u00f3 \u0111\u1ea7y \u0111\u1ee7 phi\u1ebfu b\u1ea3o h\u00e0nh n\u00ean ph\u1ea7n n\u00e0y m\u00ecnh \u0111\u01b0\u1ee3c cho qua. N\u0103m 2013 tr\u1edf \u0111i, m\u00ecnh \u0111\u00e3 bi\u1ebft ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n n\u00ean kh\u00f4ng b\u1ecb phi\u1ec1n h\u00e0 n\u1eefa. M\u00ecnh xu\u1ea5t h\u00f3a \u0111\u01a1n cho ch\u00ednh c\u00f4ng ty m\u00ecnh lu\u00f4n, c\u00f4ng ty m\u00ecnh v\u1eeba l\u00e0 \u0111\u01a1n v\u1ecb b\u00e1n, v\u1eeba l\u00e0 \u0111\u01a1n v\u1ecb mua, gi\u00e1 xu\u1ea5t h\u00f3a \u0111\u01a1n b\u1eb1ng gi\u00e1 v\u1ed1n ho\u1eb7c cao h\u01a1n m\u1ed9t t\u00ed, c\u00f3 thu\u1ebf VAT lu\u00f4n, r\u1ed3i m\u00ecnh k\u00ea khai VAT \u0111\u1ea7u ra, \u0111\u1ea7u v\u00e0o nh\u01b0 b\u00ecnh th\u01b0\u1eddng, ch\u1eafc ch\u1eafn kh\u00f4ng b\u1ecb b\u1eaft b\u1ebb.<\/span><\/p>\n

        2\/ H\u00e0ng t\u1ed3n kho c\u1ea7n thanh l\u00fd, kh\u00f4ng \u0111\u1ee7 ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ec3 b\u00e1n n\u1eefa: Tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty m\u00ecnh, m\u00ecnh l\u00e0m phi\u1ebfu xu\u1ea5t kho ra lu\u00f4n, v\u00ec ch\u1ea3 b\u00e1n \u0111\u01b0\u1ee3c cho ai, r\u1ed3i t\u00ednh gi\u00e1 v\u1ed1n \u0111\u01b0a v\u00e0o chi ph\u00ed. \u0110\u1ebfn khi quy\u1ebft to\u00e1n, h\u1ecd kh\u00f4ng cho, n\u00f3i l\u00e0 n\u1ebfu l\u00e0 h\u00e0ng t\u1ed3n kho k\u00e9m ch\u1ea5t l\u01b0\u1ee3ng, th\u00ec khi thanh l\u00fd \u0111\u01b0\u1ee3c r\u1ed3i, m\u1edbi \u0111\u01b0\u1ee3c ghi gi\u00e1 v\u1ed1n, v\u00e0 c\u0169ng ph\u1ea3i c\u00f3 xu\u1ea5t h\u00f3a \u0111\u01a1n, gi\u1ed1ng nh\u01b0 l\u00e0 b\u00e1n b\u00ecnh th\u01b0\u1eddng v\u1eady nh\u01b0ng l\u00e0 b\u00e1n l\u1ed7 th\u00f4i.<\/span><\/p>\n

        Tr\u01b0\u1eddng h\u1ee3p n\u00e0y, m\u00ecnh b\u1ecb lo\u1ea1i gi\u00e1 v\u1ed1n n\u00e0y ra kh\u1ecfi chi ph\u00ed h\u1ee3p l\u00fd.<\/span><\/p>\n

        3\/ H\u00e0ng \u0111\u00e3 xu\u1ea5t kho, nh\u01b0ng l\u00fac \u0111\u00f3 ch\u01b0a vi\u1ebft h\u00f3a \u0111\u01a1n, m\u00e0 l\u1ea1i xu\u1ea5t h\u00f3a \u0111\u01a1n sau th\u1eddi gian \u0111\u00f3. V\u00ec th\u1eddi \u0111i\u1ec3m \u0111\u00f3, c\u00f4ng ty m\u00ecnh d\u1eddi \u0111\u1ecba \u0111i\u1ec3m kinh doanh, n\u00ean ch\u01b0a mua \u0111\u01b0\u1ee3c h\u00f3a \u0111\u01a1n tr\u00ean thu\u1ebf, th\u1ebf l\u00e0 kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n xu\u1ea5t, sau n\u00e0y mua \u0111\u01b0\u1ee3c h\u00f3a \u0111\u01a1n r\u1ed3i, th\u00ec m\u1edbi vi\u1ebft b\u00f9 l\u1ea1i kho\u1ea3ng th\u1eddi gian \u0111\u00f3. (H\u00fa h\u1ed3n lu\u00f4n, may m\u00e0 k\u1ebf to\u00e1n c\u0169 c\u00f3 xu\u1ea5t \u0111\u1ea7y \u0111\u1ee7 b\u00f9 l\u1ea1i, v\u00e0 m\u00ecnh c\u00f3 r\u00e0 so\u00e1t v\u00e0 ghi ch\u00fa l\u1ea1i h\u1ebft, ko th\u00ec ti\u00eau r\u1ed3i). N\u1ebfu c\u00e1c b\u1ea1n c\u00f3 v\u00e0o tr\u01b0\u1eddng h\u1ee3p nh\u01b0 m\u00ecnh, ngh\u0129a l\u00e0 th\u1eddi \u0111i\u1ec3m xu\u1ea5t h\u00e0ng v\u00e0 xu\u1ea5t h\u00f3a \u0111\u01a1n kh\u00e1c nhau, th\u00ec c\u00e1c b\u1ea1n r\u00e0 so\u00e1t l\u1ea1i, ghi ch\u00fa ra, h\u00f3a \u0111\u01a1n n\u00e0o \u0111i v\u1edbi PXK n\u00e0o, c\u00f3 kh\u1edbp ch\u01b0a? N\u1ebfu kh\u00f4ng kh\u1edbp th\u00ec t\u00ecm hi\u1ec3u v\u00ec sao, r\u1ed3i t\u00ecm c\u00e1ch x\u1eed l\u00fd. H\u00e3y chu\u1ea9n b\u1ecb ngay t\u1eeb b\u00e2y gi\u1edd, khi c\u00f3 nhi\u1ec1u th\u1eddi gian, ch\u1ee9 khi thu\u1ebf m\u00f2 v\u00e0o r\u1ed3i m\u1edbi \u0111i m\u00f2 m\u1eabm th\u00ec ch\u1ebft ch\u1eafc. \u0110\u1eebng ngh\u0129 l\u00e0 thu\u1ebf kh\u00f4ng t\u00ecm ra nha.<\/span><\/p>\n

        Tr\u01b0\u1eddng h\u1ee3p n\u00e0y, PXK v\u00e0 h\u00f3a \u0111\u01a1n c\u1ee7a m\u00ecnh kh\u1edbp nhau, ch\u1ec9 kh\u00e1c th\u1eddi gian th\u00f4i, n\u00ean m\u00ecnh \u0111\u01b0\u1ee3c qua h\u1ebft.<\/span><\/p>\n

        V\u1ea5n \u0111\u1ec1 3: Chi ph\u00ed l\u00e3i vay<\/b><\/h2>\n
          \n
        • Khi c\u00f4ng ty c\u00f3 \u0111i vay v\u1ed1n ng\u00e2n h\u00e0ng, tuy\u1ec7t \u0111\u1ed1i ko \u0111\u01b0\u1ee3c \u0111\u1ec3 ti\u1ec1n m\u1eb7t t\u1ed3n qu\u1ef9 cao, nh\u1ea5t l\u00e0 t\u1ea1i c\u00e1c th\u1eddi \u0111i\u1ec3m ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n. N\u1ebfu ti\u1ec1n m\u1eb7t t\u1ed3n qu\u1ef9 qu\u00e1 cao (tr\u00ean gi\u1ea5y t\u1edd th\u00f4i, ch\u1ee9 th\u1ef1c t\u1ebf l\u00e0 c\u00f4ng ty kh\u00f4ng c\u00f3 ti\u1ec1n th\u00ec m\u1edbi ph\u1ea3i \u0111i vay ch\u1ee9), th\u00ec c\u00e1c b\u1ea1n l\u00e0m phi\u1ebfu chi \u0111\u1ec3 chi ra b\u1edbt, n\u1ed9i dung th\u00ec c\u1ee9 b\u1ecba ra, nh\u01b0: Cho nh\u00e2n vi\u00ean trong c\u00f4ng ty vay (nh\u1edb t\u00ednh l\u00e3i); Chi ph\u00ed marketing ko c\u00f3 h\u00f3a \u0111\u01a1n; Chi l\u01b0\u01a1ng, th\u01b0\u1edfng, ph\u1ee5 c\u1ea5p cho nh\u00e2n vi\u00ean; Thanh to\u00e1n tr\u01b0\u1edbc ti\u1ec1n h\u00e0ng, chi g\u00ec g\u00ec \u0111\u00f3\u2026 kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n (M\u1ed7i lo\u1ea1i chi ph\u00ed chi 1 \u00edt). M\u1ee5c \u0111\u00edch l\u00e0 \u0111\u1ec3 gi\u1ea3m qu\u1ef9, n\u00ean c\u1ee9 v\u00f4 t\u01b0 m\u00e0 b\u1ecba, nh\u01b0ng ph\u1ea3i h\u1ee3p l\u00fd t\u00ed. Chi ph\u00ed n\u00e0o kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n th\u00ec nh\u1edb l\u00e0 ghi r\u00f5 kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n nha, \u0111\u1ec3 sau n\u00e0y bi\u1ebft m\u00e0 lo\u1ea1i ra khi quy\u1ebft to\u00e1n thu\u1ebf.<\/span><\/li>\n<\/ul>\n

          Gi\u1ea3i th\u00edch: V\u00ec n\u1ebfu t\u1ea1i c\u00e1c th\u1eddi \u0111i\u1ec3m vay ng\u00e2n h\u00e0ng, m\u00e0 s\u1ed1 ti\u1ec1n t\u1ed3n qu\u1ef9 cao h\u01a1n s\u1ed1 ti\u1ec1n ta \u0111i vay, th\u00ec s\u1ed1 chi ph\u00ed l\u00e3i vay n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o chi ph\u00ed h\u1ee3p l\u00fd, s\u1ebd b\u1ecb lo\u1ea1i ra nha. Ph\u1ea7n n\u00e0y m\u00ecnh c\u00e3i kh\u00ed th\u1ebf lu\u00f4n, v\u00ec n\u00f3 qu\u00e1 v\u00f4 l\u00fd, v\u00ec ti\u1ec1n m\u1eb7t \u1edf c\u00f4ng ty ng\u01b0\u1eddi ta s\u1eed d\u1ee5ng v\u00e0o chuy\u1ec7n kh\u00e1c, ti\u1ec1n \u0111i vay s\u1eed d\u1ee5ng v\u00e0o chuy\u1ec7n kh\u00e1c, kh\u00f4ng l\u1ebd l\u00fac n\u00e0o c\u0169ng kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t \u1edf c\u00f4ng ty \u00e0? V\u00ed d\u1ee5 ti\u1ec1n m\u1eb7t \u0111\u1ec3 tr\u1ea3 l\u01b0\u01a1ng ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0 100 tri\u1ec7u, khi \u0111\u00f3 qu\u1ef9 ti\u1ec1n m\u1eb7t c\u00f2n ch\u1ec9 150 tri\u1ec7u, m\u00e0 c\u00f4ng ty c\u0169ng c\u1ea7n nh\u1eadp h\u00e0ng 100 tri\u1ec7u, th\u1ebf th\u00ec ph\u1ea3i \u0111i vay r\u1ed3i, v\u1eady tr\u01b0\u1eddng h\u1ee3p n\u00e0y chi ph\u00ed l\u00e3i vay b\u1ecb lo\u1ea1i l\u00e0 qu\u00e1 v\u00f4 l\u00fd. Thu\u1ebf h\u1ecd n\u00f3i l\u00e0 \u201cl\u00e0m theo th\u00f4ng t\u01b0 th\u00f4i\u201d, v\u00e0 c\u00f3 \u0111\u01b0a cho m\u00ecnh xem c\u00e1i v\u0103n b\u1ea3n n\u00eau n\u1ed9i dung \u0111\u00f3 (\u0111\u1ec3 t\u1eeb t\u1eeb m\u00ecnh t\u00ecm l\u1ea1i s\u1ebd post sau). Trong khi c\u00f4ng ty m\u00ecnh vay qu\u00e1 tr\u1eddi qu\u00e1 \u0111\u1ea5t lu\u00f4n ch\u1ee9, m\u1ed9t n\u0103m c\u1ea3 m\u1ed9t ch\u1ee5c kh\u1ebf \u01b0\u1edbc, m\u00e0 t\u1eebng th\u1eddi \u0111i\u1ec3m gi\u1ea3i ng\u00e2n, n\u00f3 ch\u1ec9 ch\u00eanh l\u1ec7ch gi\u1eefa s\u1ed1 t\u1ed3n qu\u1ef9 v\u00e0 ti\u1ec1n vay ch\u1ec9 v\u00e0i ch\u1ee5c \u0111\u1ebfn 100 tri\u1ec7u, m\u00ecnh th\u1ea5y qu\u00e1 b\u00ecnh th\u01b0\u1eddng v\u00e0 h\u1ee3p l\u00fd. Cu\u1ed1i c\u00f9ng, h\u1ecd ch\u1ec9 lo\u1ea1i c\u1ee7a m\u00ecnh l\u00e3i vay 1 kh\u1ebf \u01b0\u1edbc. Nh\u01b0ng m\u00ecnh v\u1eabn c\u00f2n \u1ea5m \u1ee9c kho\u1ea3n n\u00e0y.<\/span><\/p>\n

            \n
          • Qu\u1ef9 ti\u1ec1n m\u1eb7t c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec3 \u00e2m, c\u00e1i n\u00e0y n\u00f3i th\u00ec h\u01a1i th\u1eeba, nh\u01b0ng s\u1ee3 c\u00e1c b\u1ea1n m\u1edbi ra tr\u01b0\u1eddng kh\u00f4ng \u0111\u1ec3 \u00fd m\u00e0 thi\u1ebfu s\u00f3t, n\u1ebfu c\u00f3 thi\u1ebfu ti\u1ec1n th\u00ec l\u00e0m h\u1ee3p \u0111\u1ed3ng vay c\u1ee7a s\u1ebfp ho\u1eb7c c\u1ee7a c\u1ed5 \u0111\u00f4ng, l\u00e3i su\u1ea5t 0%, sau \u0111\u00f3 khi n\u00e0o ti\u1ec1n m\u1eb7t cao l\u00ean, th\u00ec l\u1ea1i l\u00e0m thanh l\u00fd h\u1ee3p \u0111\u1ed3ng vay n\u00e0y, tr\u1ea3 l\u1ea1i cho h\u1ecd.<\/span><\/li>\n
          • C\u00e2n \u0111\u1ed1i sao cho h\u1ee3p l\u00fd.<\/span><\/li>\n<\/ul>\n

            V\u1ea5n \u0111\u1ec1 4: S\u1ed5 ph\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/h2>\n
              \n
            • Ph\u1ea3i c\u00f3 \u0111\u1ea7y \u0111\u1ee7 s\u1ed5 ph\u1ee5 theo t\u1eebng th\u00e1ng g\u1ed3m c\u00f3: s\u1ed5 ph\u1ee5, gi\u1ea5y b\u00e1o (n\u1ee3, c\u00f3), ch\u1ee9ng t\u1eeb \u0111i k\u00e8m (gi\u1ea5y n\u1ed9p ti\u1ec1n, \u1ee7y nhi\u1ec7m chi, l\u1ec7nh chi\u2026). C\u00f3 sao k\u00ea c\u1ea3 n\u0103m th\u00ec c\u00e0ng t\u1ed1t.<\/span><\/li>\n
            • V\u1eeba ph\u1ea3i c\u00f3 s\u1ed5 ph\u1ee5 file c\u1ee9ng v\u00e0 file m\u1ec1m k\u1ebft xu\u1ea5t t\u1eeb Internet Banking. C\u00f4ng ty n\u00e0o ch\u01b0a \u0111\u0103ng k\u00fd th\u00ec n\u00ean \u0111\u0103ng k\u00fd, \u0111\u1ec3 ki\u1ec3m tra cho d\u1ec5, kh\u00f4ng c\u1ea7n ph\u1ea3i t\u00ecm t\u1edbi t\u00ecm lui trong \u0111\u1ed1ng s\u1ed5 ph\u1ee5. C\u1ea3 ch\u00ednh k\u1ebf to\u00e1n c\u0169ng d\u1ec5 l\u00e0m vi\u1ec7c, v\u00e0 sau n\u00e0y cung c\u1ea5p cho thu\u1ebf. Thu\u1ebf ch\u1ee7 y\u1ebfu l\u00e0m vi\u1ec7c tr\u00ean file tr\u01b0\u1edbc, sau \u0111\u00f3 nghi v\u1ea5n ho\u1eb7c c\u1ea7n x\u00e1c th\u1ef1c c\u00e1i g\u00ec th\u00ec h\u1ecd m\u1edbi t\u00ecm b\u1ea3n g\u1ed1c.<\/span><\/li>\n
            • N\u1ebfu l\u1ee1 c\u00f3 thi\u1ebfu ch\u1ee9ng t\u1eeb g\u00ec \u0111\u00f3, th\u00ec cu\u1ed1i n\u0103m n\u00ean ki\u1ec3m tra l\u1ea1i \u0111\u1ec3 \u0111i xin in l\u1ea1i b\u1ed5 sung cho \u0111\u1ee7, ch\u1ec9 t\u1ed1n th\u00eam ti\u1ec1n ph\u00ed, ch\u1ee9 \u0111\u1ebfn l\u00fac b\u1ecb ki\u1ec3m tra m\u1edbi \u0111i b\u1ed5 sung th\u00ec m\u1ec7t. M\u1ea5y c\u00e1i n\u00e0y kh\u00f4ng c\u00f3 \u0111\u00e1ng, th\u00e1ng n\u00e0o xong th\u00e1ng \u0111\u00f3 lu\u00f4n cho kh\u1ecfe, \u0111\u1eebng \u0111\u1ec3 b\u1ecb h\u00e0nh v\u00ec nh\u1eefng c\u00e1i linh tinh kh\u00f4ng \u0111\u00e1ng n\u00e0y nha.<\/span><\/li>\n<\/ul>\n

              V\u1ea5n \u0111\u1ec1 5: L\u01b0u tr\u1eef h\u00f3a \u0111\u01a1n \u0111\u1ea7u ra<\/b><\/h2>\n