{"id":39250,"date":"2023-08-21T17:32:09","date_gmt":"2023-08-21T10:32:09","guid":{"rendered":"https:\/\/reti.vn\/blog\/?p=39250"},"modified":"2025-10-22T04:13:09","modified_gmt":"2025-10-21T21:13:09","slug":"lai-suat-vay-ngan-hang-shb-hien-nay","status":"publish","type":"post","link":"https:\/\/reti.vn\/blog\/lai-suat-vay-ngan-hang-shb-hien-nay\/","title":{"rendered":"L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay"},"content":{"rendered":"
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L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m. C\u00f9ng RETI c\u1eadp nh\u1eadt l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m v\u00e0 l\u00e3i vay m\u1edbi nh\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n – H\u00e0 N\u1ed9i nh\u00e9!<\/em><\/p>\n

SHB Bank l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ee9ng \u0111\u1ea7u v\u00e0 c\u00f3 \u0111\u1ed9 uy t\u00edn l\u1edbn. V\u1eady l\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB Bank hi\u1ec7n nay ch\u1ea1m ng\u01b0\u1ee1ng bao nhi\u00eau v\u00e0 li\u1ec7u c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh vay mua d\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng? \u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ng\u00e2n h\u00e0ng th\u00ec m\u1eddi b\u1ea1n \u0111\u1ecdc c\u00f9ng RETI theo d\u00f5i n\u1ed9i dung sau.<\/p>\n

L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay<\/strong><\/h2>\n

Hi\u1ec7n nay, SHB \u0111ang ph\u00e1t h\u00e0nh nhi\u1ec1u g\u00f3i s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng bao g\u1ed3m c\u1ea3 cho vay th\u1ebf ch\u1ea5p v\u00e0 vay t\u00edn ch\u1ea5p v\u1edbi l\u00e3i su\u1ea5t v\u00e0 h\u1ea1n m\u1ee9c cho vay kh\u00e1 h\u1ea5p d\u1eabn.<\/p>\n

Vay t\u00edn ch\u1ea5p l\u00e0 h\u00ecnh th\u1ee9c kh\u00e1ch h\u00e0ng vay v\u1ed1n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n. M\u1ee9c cho vay ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 uy t\u00edn v\u00e0 g\u00f3i s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n vay, d\u1ef1a v\u00e0o \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd \u00e1p d\u1ee5ng nh\u1eefng bi\u1ec3u l\u00e3i su\u1ea5t kh\u00e1c nhau. L\u00e3i cho vay t\u00edn ch\u1ea5p t\u1ea1i ng\u00e2n h\u00e0ng SHB th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 8,5% \u2013 15%\/n\u0103m, t\u00f9y th\u1eddi \u0111i\u1ec3m.<\/p>\n

S\u1ea3n ph\u1ea9m vay t\u00edn ch\u1ea5p c\u1ee7a SHB c\u00f3 hai lo\u1ea1i l\u00e0 vay t\u00edn ch\u1ea5p ti\u00eau d\u00f9ng v\u00e0 vay th\u1ea5u chi kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o. H\u1ea1n m\u1ee9c cho vay t\u1eeb 15 tri\u1ec7u \u0111\u1ebfn 400 tri\u1ec7u \u0111\u1ed3ng, k\u1ef3 h\u1ea1n t\u1ed1i \u0111a l\u00ean t\u1edbi 48 th\u00e1ng.<\/p>\n

\"\"<\/a>
Nhi\u1ec1u g\u00f3i t\u00edn d\u1ee5ng c\u1ee7a SHB d\u00e0nh cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ea7n vay v\u1ed1n\u00a0\u00a0<\/figcaption><\/figure>\n

\u0110\u1ed1i v\u1edbi vay th\u1ebf ch\u1ea5p, ng\u00e2n h\u00e0ng SHB \u0111ang cung c\u1ea5p h\u01a1n 10 g\u00f3i s\u1ea3n ph\u1ea9m cho vay v\u1edbi c\u00e1c m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau, m\u1eddi c\u00e1c b\u1ea1n tham kh\u1ea3o:<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n
S\u1ea3n ph\u1ea9m<\/td>\nL\u00e3i su\u1ea5t (n\u0103m)<\/td>\n<\/tr>\n
Cho vay mua nh\u00e0<\/td>\n8.5%<\/td>\n<\/tr>\n
Cho vay mua xe \u00f4 t\u00f4<\/td>\n6.99% \u2013 7.8%<\/td>\n<\/tr>\n
Vay m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng<\/td>\n8.5%<\/td>\n<\/tr>\n
Vay s\u1ea3n xu\u1ea5t \u2013 kinh doanh<\/td>\n8%<\/td>\n<\/tr>\n
Cho vay \u0111\u1ea7u t\u01b0 ch\u0103m s\u00f3c v\u01b0\u1eddn c\u00e2y c\u00f4ng nghi\u1ec7p<\/td>\n10%<\/td>\n<\/tr>\n
Vay v\u1ed1n cho h\u1ed9 kinh doanh t\u1ea1i ch\u1ee3 B\u00ecnh \u0110i\u1ec1n<\/td>\n8.5%<\/td>\n<\/tr>\n
Cho vay h\u1ed9 kinh doanh t\u1ea1i ch\u1ee3 \u0110\u1ed3ng Xu\u00e2n<\/td>\n8.5%<\/td>\n<\/tr>\n
Vay c\u1ea7m c\u1ed1, th\u1ebf ch\u1ea5p c\u00e1c lo\u1ea1i ch\u1ee9ng t\u1eeb c\u00f3 gi\u00e1<\/td>\n8.5%<\/td>\n<\/tr>\n
Vay ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch du h\u1ecdc<\/td>\n8.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

B\u1ea3ng l\u00e3i su\u1ea5t tr\u00ean mang t\u00ednh tham kh\u1ea3o, m\u1ee9c l\u00e3i su\u1ea5t cho vay ch\u00ednh x\u00e1c s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 v\u00e0 t\u1eebng th\u1eddi \u0111i\u1ec3m n\u00ean kh\u00e1ch h\u00e0ng c\u1ea7n li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n.<\/p>\n

C\u00f4ng th\u1ee9c t\u00ednh <\/strong>L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay<\/strong><\/h2>\n
\"\"<\/a>
Ng\u00e2n h\u00e0ng SHB \u0111\u01b0a robot Saha ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng\u00a0\u00a0<\/figcaption><\/figure>\n

\u0110\u1ec3 t\u00ednh l\u00e3i su\u1ea5t vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng SHB, b\u1ea1n h\u00e3y \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c sau:<\/p>\n

– C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i theo d\u01b0 n\u1ee3 g\u1ed1c ban \u0111\u1ea7u<\/strong><\/p>\n

S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng = (L\u00e3i su\u1ea5t theo n\u0103m \/ 360 ng\u00e0y) x s\u1ed1 ng\u00e0y trong th\u00e1ng x s\u1ed1 ti\u1ec1n cho vay<\/p>\n

– C\u00e1ch t\u00ednh ti\u1ec1n l\u00e3i v\u00e0 g\u1ed1c ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng theo d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/strong><\/p>\n

Ti\u1ec1n ph\u1ea3i tr\u1ea3 th\u00e1ng \u0111\u1ea7u ti\u00ean = (L\u00e3i su\u1ea5t n\u0103m \/ 360 ng\u00e0y) x S\u1ed1 ng\u00e0y trong th\u00e1ng x s\u1ed1 ti\u1ec1n vay<\/p>\n

S\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 trong th\u00e1ng ti\u1ebfp theo = (L\u00e3i su\u1ea5t n\u0103m \/ 360 ng\u00e0y) x S\u1ed1 ng\u00e0y trong th\u00e1ng x (S\u1ed1 ti\u1ec1n vay \u2013 s\u1ed1 ti\u1ec1n n\u1ee3 g\u1ed1c \u0111\u00e3 tr\u1ea3 th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3)<\/p>\n

–\u00a0C\u00f4ng th\u1ee9c t\u00ednh l\u00e3i vay th\u1ebf ch\u1ea5p<\/strong><\/p>\n

Ti\u1ec1n l\u00e3i (A) = Ti\u1ec1n vay x L\u00e3i su\u1ea5t<\/p>\n

Ti\u1ec1n g\u1ed1c (B) = Ti\u1ec1n vay \/ S\u1ed1 th\u00e1ng vay<\/p>\n

Ti\u1ec1n ph\u1ea3i tr\u1ea3 m\u1ed7i k\u1ef3 = (A) + (B)<\/p>\n

\"L\u00e3i<\/a>
L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay<\/figcaption><\/figure>\n

N\u1ebfu b\u1ea1n \u0111\u1ecdc \u0111ang c\u00f3 nhu c\u1ea7u vay v\u1ed1n trong l\u0129nh v\u1ef1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec ng\u00e2n h\u00e0ng S\u00e0i G\u00f2n – H\u00e0 N\u1ed9i s\u1ebd l\u00e0 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng. Kh\u00f4ng ch\u1ec9 cung c\u1ea5p la\u0303i su\u00e2\u0301t vay ng\u00e2n ha\u0300ng SHB Bank n\u0103m 2023 h\u1ea5p d\u1eabn m\u00e0 h\u1ed7 tr\u1ee3 \u0111i k\u00e8m v\u00f4 c\u00f9ng nhi\u1ec7t t\u00ecnh.<\/p>\n

L\u01b0u \u00fd: C\u00e1c th\u00f4ng tin tr\u00ean mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng mua nh\u00e0 c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo t\u1eebng th\u1eddi \u0111i\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch cho vay c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng. Kh\u00e1ch h\u00e0ng n\u00ean li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft c\u00e1c g\u00f3i vay.<\/p>\n

Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin v\u1ec1 L\u00e3i su\u1ea5t vay ng\u00e2n h\u00e0ng SHB hi\u1ec7n nay – c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t th\u00e1ng 8\/2023. RETI<\/a> <\/strong>mong r\u1eb1ng qua b\u00e0i vi\u1ebft n\u00e0y, m\u1ecdi ng\u01b0\u1eddi c\u00f3 th\u1ec3 n\u1eafm \u0111\u01b0\u1ee3c c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 l\u00e3i vay v\u1ed1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng t\u1ea1i ng\u00e2n h\u00e0ng S\u00e0i G\u00f2n – H\u00e0 N\u1ed9i.<\/p>\n<\/div>\n<\/div>\n