{"id":5307,"date":"2025-11-19T08:12:33","date_gmt":"2025-11-19T08:12:33","guid":{"rendered":"https:\/\/vietcard.com.vn\/?p=5307"},"modified":"2025-11-19T08:12:36","modified_gmt":"2025-11-19T08:12:36","slug":"loat-ngan-hang-tu-nhan-tang-lai-suat-tiet-kiem","status":"publish","type":"post","link":"https:\/\/vietcard.com.vn\/index.php\/2025\/11\/19\/loat-ngan-hang-tu-nhan-tang-lai-suat-tiet-kiem\/","title":{"rendered":"Lo\u1ea1t ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n t\u0103ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m"},"content":{"rendered":"\n

H\u01a1n ch\u1ee5c nh\u00e0 b\u0103ng t\u1eeb cu\u1ed1i th\u00e1ng 10 \u0111\u1ebfn nay \u0111\u1ed3ng lo\u1ea1t n\u00e2ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m, m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb tr\u1ea3 v\u01b0\u1ee3t 6% m\u1ed9t n\u0103m.<\/p>\n\n\n\n

Kh\u1ea3o s\u00e1t c\u1ee7a VnExpress <\/em>t\u1edbi ng\u00e0y 18\/11 c\u00f3 14 nh\u00e0 b\u0103ng \u0111i\u1ec1u ch\u1ec9nh bi\u1ec3u l\u00e3i su\u1ea5t<\/a>, g\u1ed3m VPBank, Techcombank, HDBank, BVBank, NamABank, BacABank, OCB, LPBank, Kienlongbank, BaoVietBank, NCB, PVCombank, CIMB v\u00e0 Standard Chartered.<\/p>\n\n\n\n

Qua m\u1ed9t v\u00e0i l\u1ea7n thay \u0111\u1ed5i trong g\u1ea7n m\u1ed9t th\u00e1ng qua, bi\u1ec3u l\u00e3i su\u1ea5t t\u1ea1i VPBank v\u00e0 BacABank t\u0103ng t\u1edbi 0,6-1% so v\u1edbi th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3. \u0110a ph\u1ea7n c\u00e1c nh\u00e0 b\u0103ng c\u00f2n l\u1ea1i \u0111i\u1ec1u ch\u1ec9nh th\u1ea5p h\u01a1n, dao \u0111\u1ed9ng t\u1eeb 0,1% \u0111\u1ebfn 0,5% t\u00f9y k\u1ef3 h\u1ea1n.<\/p>\n\n\n\n

Nhi\u1ec1u ng\u00e2n h\u00e0ng c\u0169ng n\u00e2ng l\u00e3i su\u1ea5t cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi k\u1ef3 h\u1ea1n d\u01b0\u1edbi 6 th\u00e1ng l\u00ean ch\u1ea1m tr\u1ea7n quy \u0111\u1ecbnh 4,75%, nh\u01b0 NamABank, Oceanbank (MBV), CIMB.<\/p>\n\n\n\n

Trong khi \u0111\u00f3, nh\u00f3m nh\u00e0 b\u0103ng qu\u1ed1c doanh hi\u1ec7n v\u1eabn \u0111\u1ee9ng ngo\u00e0i \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh v\u00e0 gi\u1eef nguy\u00ean l\u00e3i su\u1ea5t trong n\u1eeda n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y.<\/p>\n\n\n\n

Hi\u1ec7n, BacABank l\u00e0 nh\u00e0 b\u0103ng c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t th\u1ecb tr\u01b0\u1eddng cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi kh\u00f4ng qu\u00e1 1 t\u1ef7 \u0111\u1ed3ng k\u1ef3 h\u1ea1n 12-13 th\u00e1ng \u1edf m\u1ee9c 6,4%. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng tr\u1ea3 l\u00e3i k\u1ef3 h\u1ea1n 12 th\u00e1ng cao h\u01a1n 6% g\u1ed3m Vikki (DongA Bank) v\u00e0 MBV (Ocean Bank). C\u0169ng c\u00f3 nh\u1eefng nh\u00e0 b\u0103ng tr\u1ea3 k\u1ef3 h\u1ea1n 13 th\u00e1ng v\u01b0\u1ee3t 6% nh\u01b0 HDBank, OCB.<\/p>\n\n\n\n

Gi\u1ea3i th\u00edch v\u1ec1 \u0111\u00e0 t\u0103ng l\u00e3i su\u1ea5t g\u1ea7n \u0111\u00e2y, \u00f4ng Ph\u1ea1m Nh\u01b0 \u00c1nh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i (MB) ch\u1ec9 ra hai nguy\u00ean nh\u00e2n c\u1ed1t l\u00f5i. Theo \u00f4ng, y\u1ebfu t\u1ed1 tr\u1ef1c ti\u1ebfp v\u00e0 r\u00f5 r\u00e0ng nh\u1ea5t l\u00e0 \u00e1p l\u1ef1c l\u00ean t\u1ef7 gi\u00e1 \u0111\u00e3 ch\u1ea1m \u0111\u1ebfn ng\u01b0\u1ee1ng gi\u1edbi h\u1ea1n cho ph\u00e9p c\u1ee7a nh\u00e0 \u0111i\u1ec1u h\u00e0nh. M\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u1ef7 gi\u00e1 cho c\u1ea3 n\u0103m \u0111\u01b0\u1ee3c \u0111\u1eb7t ra \u1edf m\u1ee9c 3-5%, v\u00e0 hi\u1ec7n t\u1ea1i, kh\u00f4ng gian \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 n\u00e0y g\u1ea7n nh\u01b0 kh\u00f4ng c\u00f2n.<\/p>\n\n\n\n

“Trong b\u1ed1i c\u1ea3nh t\u1ef7 gi\u00e1 ch\u1ecbu s\u1ee9c \u00e9p, vi\u1ec7c l\u00e3i su\u1ea5t nh\u00edch l\u00ean l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng. \u0110\u1ed9ng th\u00e1i \u0111i\u1ec1u ch\u1ec9nh n\u00e0y s\u1ebd gi\u00fap gi\u1ea3m s\u1ee9c h\u1ea5p d\u1eabn c\u1ee7a vi\u1ec7c n\u1eafm gi\u1eef ngo\u1ea1i t\u1ec7, qua \u0111\u00f3 g\u00f3p ph\u1ea7n b\u1ea3o v\u1ec7 gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ed3ng Vi\u1ec7t Nam”, l\u00e3nh \u0111\u1ea1o MB cho bi\u1ebft.<\/p>\n\n\n\n

Ngo\u00e0i y\u1ebfu t\u1ed1 t\u1ef7 gi\u00e1, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a M\u1ef9 c\u0169ng t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t t\u1ea1i Vi\u1ec7t Nam. Hi\u1ec7n C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang M\u1ef9 (Fed) v\u1eabn duy tr\u00ec ch\u00ednh s\u00e1ch th\u1eaft ch\u1eb7t v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u0111\u00f4la M\u1ef9 quanh 3,75-4%. M\u1eb7t b\u1eb1ng n\u00e0y khi\u1ebfn d\u00f2ng ti\u1ec1n \u0111\u1ea7u t\u01b0 qu\u1ed1c t\u1ebf c\u00f3 xu h\u01b0\u1edbng \u01b0u ti\u00ean c\u00e1c th\u1ecb tr\u01b0\u1eddng c\u00f3 l\u1ee3i su\u1ea5t h\u1ea5p d\u1eabn h\u01a1n, l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng thu h\u00fat v\u1ed1n v\u00e0o c\u00e1c n\u1ec1n kinh t\u1ebf m\u1edbi n\u1ed5i.<\/p>\n\n\n\n

Theo \u00f4ng Ph\u1ea1m Nh\u01b0 \u00c1nh, khi d\u00f2ng ti\u1ec1n to\u00e0n c\u1ea7u ch\u01b0a quay tr\u1edf l\u1ea1i m\u1ea1nh m\u1ebd, d\u01b0 \u0111\u1ecba gi\u1ea3m l\u00e3i su\u1ea5t trong n\u01b0\u1edbc s\u1ebd b\u1ecb thu h\u1eb9p. \u0110i\u1ec1u n\u00e0y bu\u1ed9c ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a Vi\u1ec7t Nam ph\u1ea3i linh ho\u1ea1t h\u01a1n \u0111\u1ec3 c\u00e2n b\u1eb1ng gi\u1eefa \u1ed5n \u0111\u1ecbnh t\u1ef7 gi\u00e1 v\u00e0 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng.<\/p>\n\n\n\n

L\u00fd do kh\u00e1c khi\u1ebfn c\u00e1c nh\u00e0 b\u0103ng ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t, theo \u00f4ng V\u0169 Minh Tr\u01b0\u1eddng – Gi\u00e1m \u0111\u1ed1c kh\u1ed1i Ngu\u1ed3n v\u1ed1n v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank), l\u00e0 t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng t\u0103ng nhanh h\u01a1n huy \u0111\u1ed9ng k\u00e9o d\u00e0i, g\u00e2y \u00e1p l\u1ef1c l\u00ean thanh kho\u1ea3n v\u00e0 l\u00e3i su\u1ea5t m\u00f9a cu\u1ed1i n\u0103m.<\/p>\n\n\n\n

\u00c1p l\u1ef1c v\u1ec1 huy \u0111\u1ed9ng c\u0169ng th\u1ec3 hi\u1ec7n tr\u00ean di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng li\u00ean ng\u00e2n h\u00e0ng, khi l\u00e3i su\u1ea5t vay m\u01b0\u1ee3n tr\u00ean k\u00eanh n\u00e0y li\u00ean t\u1ee5c neo cao t\u1eeb \u0111\u1ea7u th\u00e1ng 11, m\u1ed9t s\u1ed1 th\u1eddi \u0111i\u1ec3m v\u01b0\u1ee3t 6% m\u1ed9t n\u0103m.<\/p>\n\n\n\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ee9c l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/a> ng\u00e2n h\u00e0ng s\u1eafp x\u1ebfp t\u1eeb cao t\u1edbi th\u1ea5p \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft ch\u00ednh th\u1ee9c (cho kho\u1ea3n ti\u1ec1n d\u01b0\u1edbi 1 t\u1ef7 \u0111\u1ed3ng), kh\u00f4ng t\u00ednh th\u1ecfa thu\u1eadn th\u1ef1c t\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch quen, VIP, g\u1eedi ti\u1ec1n gi\u00e1 tr\u1ecb l\u1edbn.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n
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\"\"<\/figure>\n<\/div>\n\n\n

Qu\u1ef3nh Trang<\/strong><\/p>\n\n\n\n

Ngu\u1ed3n: VNExpress<\/p>\n\n\n\n

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

H\u01a1n ch\u1ee5c nh\u00e0 b\u0103ng t\u1eeb cu\u1ed1i th\u00e1ng 10 \u0111\u1ebfn nay \u0111\u1ed3ng lo\u1ea1t n\u00e2ng l\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m, m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb tr\u1ea3 v\u01b0\u1ee3t 6% m\u1ed9t n\u0103m. Kh\u1ea3o s\u00e1t c\u1ee7a VnExpress t\u1edbi ng\u00e0y 18\/11 c\u00f3 14 nh\u00e0 b\u0103ng \u0111i\u1ec1u ch\u1ec9nh bi\u1ec3u l\u00e3i su\u1ea5t, g\u1ed3m VPBank, Techcombank, HDBank, BVBank, NamABank, BacABank, OCB, LPBank, Kienlongbank, BaoVietBank, NCB, PVCombank, CIMB v\u00e0 Standard […]<\/p>\n","protected":false},"author":1,"featured_media":5308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[104],"tags":[],"class_list":["post-5307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-su-kien"],"featured_image_src":{"landsacpe":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2025\/11\/1920x1080-1140x445.png",1140,445,true],"list":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2025\/11\/1920x1080-463x348.png",463,348,true],"medium":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2025\/11\/1920x1080-300x169.png",300,169,true],"full":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2025\/11\/1920x1080.png",1920,1081,false]},"_links":{"self":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/5307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/comments?post=5307"}],"version-history":[{"count":1,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/5307\/revisions"}],"predecessor-version":[{"id":5312,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/5307\/revisions\/5312"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/media\/5308"}],"wp:attachment":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/media?parent=5307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/categories?post=5307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/tags?post=5307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}