{"id":26598,"date":"2024-06-07T10:07:02","date_gmt":"2024-06-07T03:07:02","guid":{"rendered":"https:\/\/www.fiahub.com\/blog\/?p=26598"},"modified":"2024-06-05T14:36:34","modified_gmt":"2024-06-05T07:36:34","slug":"loan-to-value-ratio-ltv-trong-defi-la-gi","status":"publish","type":"post","link":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/","title":{"rendered":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung b\u00e0i vi\u1ebft<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Loan-to-value_ratio_LTV_la_gi\" >Loan-to-value ratio\u00a0 (LTV) l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Lam_the_nao_de_tinh_LTV\" >L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh LTV?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Loi_ich_cua_Loan-to-value_ratio_trong_cho_vay_tien_dien_tu\" >L\u1ee3i \u00edch c\u1ee7a Loan-to-value ratio trong cho vay ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#LTV_duoc_nguoi_cho_vay_su_dung_nhu_the_nao\" >LTV \u0111\u01b0\u1ee3c ng\u01b0\u1eddi cho vay s\u1eed d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Vi_du_ve_the_chap_cua_LTV\" >V\u00ed d\u1ee5 v\u1ec1 th\u1ebf ch\u1ea5p c\u1ee7a LTV<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Cac_bien_the_cua_quy_tac_ty_le_LTV\" >C\u00e1c bi\u1ebfn th\u1ec3 c\u1ee7a quy t\u1eafc t\u1ef7 l\u1ec7 LTV<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Khoan_vay_FHA\" >Kho\u1ea3n vay FHA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Khoan_vay_VA_va_USDA\" >Kho\u1ea3n vay VA v\u00e0 USDA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Fannie_Mae_va_Freddie_Mac\" >Fannie Mae v\u00e0 Freddie Mac<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#LTV_so_voi_Combined_LTV_CLTV\" >LTV so v\u1edbi Combined LTV (CLTV)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Loan-to-value_ratio_LTV_la_gi\"><\/span><span style=\"font-weight: 400\">Loan-to-value ratio\u00a0 (LTV) l\u00e0 g\u00ec?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">LTV l\u00e0 t\u1ef7 l\u1ec7 gi\u1eefa gi\u00e1 tr\u1ecb <a href=\"https:\/\/www.fiahub.com\/blog\/tag\/defi-lending\/\">kho\u1ea3n vay<\/a> v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u0111i\u1ec3n h\u00ecnh, \u0111i\u1ec3m t\u00edn d\u1ee5ng x\u00e1c \u0111\u1ecbnh r\u1ee7i ro li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay. \u0110i\u1ec3m t\u00edn d\u1ee5ng c\u00e0ng th\u1ea5p th\u00ec r\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi cho vay c\u00e0ng cao. Thay v\u00ec \u0111i\u1ec3m t\u00edn d\u1ee5ng, quy tr\u00ecnh cho vay ti\u1ec1n \u0111i\u1ec7n t\u1eed cung c\u1ea5p c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o b\u1eb1ng t\u00e0i s\u1ea3n.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n. Ng\u01b0\u1eddi cho vay gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00e0y cho \u0111\u1ebfn khi kho\u1ea3n vay \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7.<\/span><\/p>\n<p><span style=\"font-weight: 400\">L\u1ee3i \u00edch ch\u00ednh c\u1ee7a LTV trong ho\u1ea1t \u0111\u1ed9ng cho vay ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00e0 n\u00f3 gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u1eeb ph\u00eda ng\u01b0\u1eddi cho vay. Ng\u01b0\u1eddi d\u00f9ng c\u0169ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb LTV v\u00ec h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay l\u1edbn h\u01a1n v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lam_the_nao_de_tinh_LTV\"><\/span><span style=\"font-weight: 400\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh LTV?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">Tr\u01b0\u1eddng h\u1ee3p 1: Khi vay m\u1ed9t kho\u1ea3n vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1eb1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed, b\u1ea1n t\u00ednh gi\u00e1 tr\u1ecb Loan-to-value (LTV) nh\u01b0 sau:<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-26599\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-5.png\" alt=\"\" width=\"900\" height=\"247\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-5.png 444w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-5-300x82.png 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-5-150x41.png 150w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p><span style=\"font-weight: 400\">LTV c\u1ee7a b\u1ea1n s\u1ebd l\u00e0 50% n\u1ebfu b\u1ea1n vay 5.000 \u0111\u00f4 la v\u00e0 g\u1eedi s\u1ed1 bitcoin tr\u1ecb gi\u00e1 10.000 \u0111\u00f4 la. Tuy nhi\u00ean, n\u1ebfu gi\u00e1 tr\u1ecb bitcoin gi\u1ea3m, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n s\u1ebd gi\u1ea3m, l\u00e0m t\u0103ng t\u1ef7 l\u1ec7 c\u1ee7a b\u1ea1n. \u0110\u1ec3 \u0111\u01b0a kho\u1ea3n vay c\u1ee7a b\u1ea1n tr\u1edf l\u1ea1i t\u1ef7 l\u1ec7 LTV ban \u0111\u1ea7u, n\u1ebfu LTV c\u1ee7a b\u1ea1n t\u0103ng qu\u00e1 cao, b\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i th\u1ebf ch\u1ea5p th\u00eam.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Tr\u01b0\u1eddng h\u1ee3p 2: Sau khi kho\u1ea3n vay c\u1ee7a b\u1ea1n c\u00f3 hi\u1ec7u l\u1ef1c, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c theo d\u00f5i LTV c\u1ee7a m\u00ecnh b\u1eb1ng c\u00f4ng th\u1ee9c sau:<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-26600\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-6.png\" alt=\"\" width=\"900\" height=\"270\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-6.png 426w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-6-300x90.png 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-6-150x45.png 150w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Loi_ich_cua_Loan-to-value_ratio_trong_cho_vay_tien_dien_tu\"><\/span><span style=\"font-weight: 400\">L\u1ee3i \u00edch c\u1ee7a Loan-to-value ratio trong cho vay ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">Trong ho\u1ea1t \u0111\u1ed9ng cho vay d\u1ef1a tr\u00ean t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p truy\u1ec1n th\u1ed1ng, LTV l\u00e0 th\u01b0\u1edbc \u0111o r\u1ee7i ro v\u1ec1 ph\u00eda nh\u00e0 \u0111\u1ea7u t\u01b0. LTV c\u00e0ng cao th\u00ec r\u1ee7i ro c\u1ee7a ng\u01b0\u1eddi cho vay c\u00e0ng cao v\u00e0 do \u0111\u00f3 l\u00e3i su\u1ea5t c\u1ee7a ng\u01b0\u1eddi \u0111i vay c\u00e0ng cao. Trong<a href=\"https:\/\/www.fiahub.com\/blog\/tag\/defi-lending\/\"> c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1eb1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a>, LTV \u0111\u1ea3m b\u1ea3o ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7 k\u1ecbp th\u1eddi, do \u0111\u00f3 gi\u1ea3m r\u1ee7i ro cho nh\u00e0 \u0111\u1ea7u t\u01b0. N\u1ebfu ng\u01b0\u1eddi \u0111i vay kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c kho\u1ea3n vay v\u00ec b\u1ea5t k\u1ef3 l\u00fd do g\u00ec, m\u1ed9t ph\u1ea7n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd \u0111\u01b0\u1ee3c b\u00e1n \u0111\u1ec3 b\u00f9 \u0111\u1eafp kho\u1ea3n vay.<\/span><\/p>\n<p><span style=\"font-weight: 400\">V\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi \u0111i vay, t\u1ef7 l\u1ec7 LTV l\u00e0 c\u00e1ch b\u1ea1n x\u00e1c \u0111\u1ecbnh r\u1ee7i ro c\u1ee7a ch\u00ednh m\u00ecnh. T\u00f9y thu\u1ed9c v\u00e0o n\u1ec1n t\u1ea3ng b\u1ea1n ch\u1ecdn, r\u1ee7i ro LTV c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 dao \u0111\u1ed9ng trong kho\u1ea3ng t\u1eeb 5% \u0111\u1ebfn 70%. LTV th\u1ea5p h\u01a1n s\u1ebd mang l\u1ea1i cho b\u1ea1n m\u1ed9t t\u00fai an to\u00e0n. N\u1ebfu th\u1ecb tr\u01b0\u1eddng gi\u1ea3m, t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c thanh l\u00fd. M\u1eb7t kh\u00e1c, LTV cao h\u01a1n c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ph\u1ea3i suy ngh\u0129 nhanh trong tr\u01b0\u1eddng h\u1ee3p th\u1ecb tr\u01b0\u1eddng x\u1ea3y ra t\u00ecnh hu\u1ed1ng b\u1ea5t th\u01b0\u1eddng v\u00ec t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c thanh l\u00fd \u0111\u1ec3 thanh to\u00e1n kho\u1ea3n vay c\u1ee7a b\u1ea1n.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"LTV_duoc_nguoi_cho_vay_su_dung_nhu_the_nao\"><\/span><span style=\"font-weight: 400\">LTV \u0111\u01b0\u1ee3c ng\u01b0\u1eddi cho vay s\u1eed d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">T\u1ef7 l\u1ec7 LTV ch\u1ec9 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u1ea3 n\u0103ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay th\u1ebf ch\u1ea5p, kho\u1ea3n vay mua nh\u00e0 ho\u1eb7c h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng. Tuy nhi\u00ean, n\u00f3 c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong l\u00e3i su\u1ea5t m\u00e0 ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o. H\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi cho vay \u0111\u1ec1u \u0111\u01b0a ra m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3 cho nh\u1eefng ng\u01b0\u1eddi \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p v\u00e0 s\u1edf h\u1eefu nh\u00e0 khi t\u1ef7 l\u1ec7 LTV c\u1ee7a h\u1ecd b\u1eb1ng ho\u1eb7c d\u01b0\u1edbi 80%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">T\u1ef7 l\u1ec7 LTV cao h\u01a1n kh\u00f4ng lo\u1ea1i tr\u1eeb kh\u1ea3 n\u0103ng ng\u01b0\u1eddi vay \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn th\u1ebf ch\u1ea5p, m\u1eb7c d\u00f9 l\u00e3i su\u1ea5t c\u1ee7a kho\u1ea3n vay c\u00f3 th\u1ec3 t\u0103ng khi t\u1ef7 l\u1ec7 LTV t\u0103ng. V\u00ed d\u1ee5: ng\u01b0\u1eddi \u0111i vay c\u00f3 t\u1ef7 l\u1ec7 LTV l\u00e0 95% c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cho vay th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, l\u00e3i su\u1ea5t c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 cao h\u01a1n to\u00e0n b\u1ed9 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi l\u00e3i su\u1ea5t d\u00e0nh cho ng\u01b0\u1eddi \u0111i vay c\u00f3 t\u1ef7 l\u1ec7 LTV l\u00e0 75%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">N\u1ebfu t\u1ef7 l\u1ec7 LTV cao h\u01a1n 80%, ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 ph\u1ea3i mua b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI). \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 t\u0103ng th\u00eam t\u1eeb 0,5% \u0111\u1ebfn 1% v\u00e0o t\u1ed5ng s\u1ed1 ti\u1ec1n vay h\u00e0ng n\u0103m. V\u00ed d\u1ee5: PMI v\u1edbi t\u1ef7 l\u1ec7 1% cho kho\u1ea3n vay 100.000 \u0111\u00f4 la s\u1ebd c\u1ed9ng th\u00eam 1.000 \u0111\u00f4 la v\u00e0o t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 m\u1ed7i n\u0103m (ho\u1eb7c 83,33 \u0111\u00f4 la m\u1ed7i th\u00e1ng). Thanh to\u00e1n PMI \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cho \u0111\u1ebfn khi t\u1ef7 l\u1ec7 LTV l\u00e0 80% ho\u1eb7c th\u1ea5p h\u01a1n. T\u1ef7 l\u1ec7 LTV s\u1ebd gi\u1ea3m khi b\u1ea1n tr\u1ea3 h\u1ebft kho\u1ea3n vay v\u00e0 khi gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 c\u1ee7a b\u1ea1n t\u0103ng l\u00ean theo th\u1eddi gian.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nh\u00ecn chung, t\u1ef7 l\u1ec7 LTV c\u00e0ng th\u1ea5p th\u00ec kh\u1ea3 n\u0103ng kho\u1ea3n vay \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn c\u00e0ng l\u1edbn v\u00e0 l\u00e3i su\u1ea5t c\u00e0ng th\u1ea5p. Ngo\u00e0i ra, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi \u0111i vay, b\u1ea1n s\u1ebd \u00edt c\u00f3 kh\u1ea3 n\u0103ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI).<\/span><\/p>\n<p><span style=\"font-weight: 400\">M\u1eb7c d\u00f9 lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh ng\u01b0\u1eddi cho vay y\u00eau c\u1ea7u t\u1ef7 l\u1ec7 LTV 80% \u0111\u1ec3 ng\u01b0\u1eddi \u0111i vay tr\u00e1nh \u0111\u01b0\u1ee3c chi ph\u00ed b\u1ed5 sung c\u1ee7a PMI, nh\u01b0ng \u0111\u00f3 l\u00e0 th\u00f4ng l\u1ec7 c\u1ee7a g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 ng\u01b0\u1eddi cho vay. C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 \u0111\u1ed1i v\u1edbi y\u00eau c\u1ea7u n\u00e0y \u0111\u00f4i khi \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 thu nh\u1eadp cao, n\u1ee3 th\u1ea5p h\u01a1n ho\u1eb7c c\u00f3 danh m\u1ee5c \u0111\u1ea7u t\u01b0 l\u1edbn.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Theo nguy\u00ean t\u1eafc chung, t\u1ef7 l\u1ec7 kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb t\u1ed1t kh\u00f4ng \u0111\u01b0\u1ee3c l\u1edbn h\u01a1n 80%. B\u1ea5t k\u1ef3 m\u1ee9c n\u00e0o tr\u00ean 80% \u0111\u1ec1u \u0111\u01b0\u1ee3c coi l\u00e0 LTV cao, c\u00f3 ngh\u0129a l\u00e0 ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi chi ph\u00ed \u0111i vay cao h\u01a1n, y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i cho vay. LTV tr\u00ean 95% th\u01b0\u1eddng \u0111\u01b0\u1ee3c coi l\u00e0 kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.<\/span><\/p>\n<figure id=\"attachment_26601\" aria-describedby=\"caption-attachment-26601\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-26601\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-4.jpg\" alt=\"LVT\" width=\"900\" height=\"507\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-4.jpg 717w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-4-300x169.jpg 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-4-150x85.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-4-450x254.jpg 450w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-26601\" class=\"wp-caption-text\">T\u1ef7 l\u1ec7 LTV ch\u1ec9 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh kh\u1ea3 n\u0103ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay th\u1ebf ch\u1ea5p, kho\u1ea3n vay mua nh\u00e0 ho\u1eb7c h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Vi_du_ve_the_chap_cua_LTV\"><\/span><span style=\"font-weight: 400\">V\u00ed d\u1ee5 v\u1ec1 th\u1ebf ch\u1ea5p c\u1ee7a LTV<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">V\u00ed d\u1ee5: gi\u1ea3 s\u1eed b\u1ea1n mua m\u1ed9t ng\u00f4i nh\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 100.000 USD. Tuy nhi\u00ean, ng\u01b0\u1eddi ch\u1ee7 s\u1eb5n s\u00e0ng b\u00e1n n\u00f3 v\u1edbi gi\u00e1 90.000 USD. N\u1ebfu b\u1ea1n thanh to\u00e1n tr\u01b0\u1edbc 10.000 \u0111\u00f4 la, kho\u1ea3n vay c\u1ee7a b\u1ea1n l\u00e0 80.000 \u0111\u00f4 la, d\u1eabn \u0111\u1ebfn t\u1ef7 l\u1ec7 LTV l\u00e0 80% (t\u1ee9c l\u00e0 80.000\/100.000). N\u1ebfu b\u1ea1n t\u0103ng s\u1ed1 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc l\u00ean 15.000 USD, kho\u1ea3n vay th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n b\u00e2y gi\u1edd l\u00e0 75.000 USD. \u0110i\u1ec1u n\u00e0y s\u1ebd l\u00e0m cho t\u1ef7 l\u1ec7 LTV c\u1ee7a b\u1ea1n l\u00e0 75% (t\u1ee9c l\u00e0 75.000\/100.000).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_bien_the_cua_quy_tac_ty_le_LTV\"><\/span><span style=\"font-weight: 400\">C\u00e1c bi\u1ebfn th\u1ec3 c\u1ee7a quy t\u1eafc t\u1ef7 l\u1ec7 LTV<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">C\u00e1c lo\u1ea1i kho\u1ea3n vay kh\u00e1c nhau c\u00f3 th\u1ec3 c\u00f3 c\u00e1c quy t\u1eafc kh\u00e1c nhau khi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn y\u00eau c\u1ea7u v\u1ec1 t\u1ef7 l\u1ec7 LTV.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Khoan_vay_FHA\"><\/span><span style=\"font-weight: 400\">Kho\u1ea3n vay FHA<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400\">C\u00e1c kho\u1ea3n vay FHA l\u00e0 c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 thu nh\u1eadp th\u1ea5p \u0111\u1ebfn trung b\u00ecnh. Ch\u00fang \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh b\u1edfi ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c FHA ph\u00ea duy\u1ec7t v\u00e0 \u0111\u01b0\u1ee3c C\u01a1 quan Qu\u1ea3n l\u00fd Nh\u00e0 \u1edf Li\u00ean bang (FHA) b\u1ea3o hi\u1ec3m.<\/span><\/p>\n<p><span style=\"font-weight: 400\">C\u00e1c kho\u1ea3n vay FHA y\u00eau c\u1ea7u kho\u1ea3n thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc t\u1ed1i thi\u1ec3u v\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u1ea5p h\u01a1n nhi\u1ec1u kho\u1ea3n vay th\u00f4ng th\u01b0\u1eddng. C\u00e1c kho\u1ea3n vay FHA cho ph\u00e9p t\u1ef7 l\u1ec7 LTV ban \u0111\u1ea7u l\u00ean t\u1edbi 96,5%, nh\u01b0ng ch\u00fang y\u00eau c\u1ea7u ph\u00ed b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p (MIP) k\u00e9o d\u00e0i trong su\u1ed1t th\u1eddi gian b\u1ea1n c\u00f3 kho\u1ea3n vay \u0111\u00f3 (b\u1ea5t k\u1ec3 t\u1ef7 l\u1ec7 LTV cu\u1ed1i c\u00f9ng c\u00f3 th\u1ea5p \u0111\u1ebfn m\u1ee9c n\u00e0o).<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nhi\u1ec1u ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh t\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n vay FHA c\u1ee7a h\u1ecd khi t\u1ef7 l\u1ec7 LTV c\u1ee7a h\u1ecd \u0111\u1ea1t 80% \u0111\u1ec3 lo\u1ea1i b\u1ecf y\u00eau c\u1ea7u MIP.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Khoan_vay_VA_va_USDA\"><\/span><span style=\"font-weight: 400\">Kho\u1ea3n vay VA v\u00e0 USDA<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400\">C\u00e1c kho\u1ea3n vay c\u1ee7a VA v\u00e0 USDA &#8211; d\u00e0nh cho qu\u00e2n nh\u00e2n hi\u1ec7n t\u1ea1i v\u00e0 tr\u01b0\u1edbc \u0111\u00e2y ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi \u1edf khu v\u1ef1c n\u00f4ng th\u00f4n &#8211; kh\u00f4ng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n m\u1eb7c d\u00f9 t\u1ef7 l\u1ec7 LTV c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100%. Tuy nhi\u00ean, c\u1ea3 kho\u1ea3n vay VA v\u00e0 USDA \u0111\u1ec1u c\u00f3 ph\u00ed b\u1ed5 sung.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fannie_Mae_va_Freddie_Mac\"><\/span><span style=\"font-weight: 400\">Fannie Mae v\u00e0 Freddie Mac<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400\"><strong>Fannie Mae&#8217;s HomeReady<\/strong> v\u00e0 <strong>Freddie Mac&#8217;s Home<\/strong> &#8211; c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh th\u1ebf ch\u1ea5p kh\u1ea3 thi d\u00e0nh cho ng\u01b0\u1eddi vay c\u00f3 thu nh\u1eadp th\u1ea5p cho ph\u00e9p t\u1ef7 l\u1ec7 LTV l\u00e0 97%. Tuy nhi\u00ean, h\u1ecd y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p cho \u0111\u1ebfn khi t\u1ef7 l\u1ec7 n\u00e0y gi\u1ea3m xu\u1ed1ng 80%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n vay FHA, VA v\u00e0 USDA, c\u00f3 s\u1eb5n c\u00e1c l\u1ef1a ch\u1ecdn t\u00e1i c\u1ea5p v\u1ed1n h\u1ee3p l\u00fd. Nh\u1eefng y\u00eau c\u1ea7u th\u1ea9m \u0111\u1ecbnh n\u00e0y mi\u1ec5n tr\u1eeb \u0111\u1ec3 t\u1ef7 l\u1ec7 LTV c\u1ee7a ng\u00f4i nh\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kho\u1ea3n vay. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 t\u1ef7 l\u1ec7 LTV tr\u00ean 100% &#8211; c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0<\/span><i><span style=\"font-weight: 400\"> &#8220;underwater&#8221;<\/span><\/i><span style=\"font-weight: 400\"> ho\u1eb7c<\/span><i><span style=\"font-weight: 400\"> &#8220;upside down&#8221;<\/span><\/i><span style=\"font-weight: 400\"> &#8211; T\u00f9y ch\u1ecdn t\u00e1i c\u1ea5p v\u1ed1n cho kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb cao c\u1ee7a Fannie Mae v\u00e0 T\u00e1i c\u1ea5p v\u1ed1n c\u1ee9u tr\u1ee3 n\u00e2ng cao c\u1ee7a Freddie Mac c\u0169ng l\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn c\u00f3 s\u1eb5n.<\/span><\/p>\n<figure id=\"attachment_26603\" aria-describedby=\"caption-attachment-26603\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-26603\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7.png\" alt=\"Loan-to-value ratio\" width=\"900\" height=\"506\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7.png 1920w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-300x169.png 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-1024x576.png 1024w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-150x84.png 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-768x432.png 768w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-1536x864.png 1536w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-450x253.png 450w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/a1-7-1200x675.png 1200w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-26603\" class=\"wp-caption-text\">Trong khi t\u1ef7 l\u1ec7 LTV xem x\u00e9t t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ed9t kho\u1ea3n vay th\u1ebf ch\u1ea5p khi mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n, t\u1ef7 l\u1ec7 kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb k\u1ebft h\u1ee3p (CLTV) l\u00e0 t\u1ef7 l\u1ec7 c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n so v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"LTV_so_voi_Combined_LTV_CLTV\"><\/span><span style=\"font-weight: 400\">LTV so v\u1edbi Combined LTV (CLTV)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">Trong khi t\u1ef7 l\u1ec7 LTV xem x\u00e9t t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ed9t kho\u1ea3n vay th\u1ebf ch\u1ea5p khi mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n, t\u1ef7 l\u1ec7 kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb k\u1ebft h\u1ee3p (CLTV) l\u00e0 t\u1ef7 l\u1ec7 c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay c\u00f3 b\u1ea3o \u0111\u1ea3m tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n so v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 bao g\u1ed3m kho\u1ea3n th\u1ebf ch\u1ea5p ch\u00ednh \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong LTV m\u00e0 c\u00f2n bao g\u1ed3m b\u1ea5t k\u1ef3 kho\u1ea3n th\u1ebf ch\u1ea5p th\u1ee9 hai, kho\u1ea3n vay th\u1ebf ch\u1ea5p nh\u00e0 ho\u1eb7c h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ho\u1eb7c c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p kh\u00e1c.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ng\u01b0\u1eddi cho vay s\u1eed d\u1ee5ng t\u1ef7 l\u1ec7 CLTV \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh r\u1ee7i ro v\u1ee1 n\u1ee3 c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0 ti\u1ec1m n\u0103ng khi s\u1eed d\u1ee5ng nhi\u1ec1u kho\u1ea3n vay &#8211; v\u00ed d\u1ee5: n\u1ebfu h\u1ecd c\u00f3 hai kho\u1ea3n th\u1ebf ch\u1ea5p tr\u1edf l\u00ean ho\u1eb7c kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ed9ng v\u1edbi kho\u1ea3n vay mua nh\u00e0 ho\u1eb7c h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng (HELOC). Nh\u00ecn chung, ng\u01b0\u1eddi cho vay s\u1eb5n s\u00e0ng cho vay v\u1edbi t\u1ef7 l\u1ec7 CLTV t\u1eeb 80% tr\u1edf l\u00ean v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111i vay c\u00f3 x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng cao. Nh\u1eefng ng\u01b0\u1eddi cho vay s\u01a1 c\u1ea5p c\u00f3 xu h\u01b0\u1edbng h\u00e0o ph\u00f3ng h\u01a1n v\u1edbi c\u00e1c y\u00eau c\u1ea7u v\u1ec1 CLTV v\u00ec \u0111\u00e2y l\u00e0 bi\u1ec7n ph\u00e1p k\u1ef9 l\u01b0\u1ee1ng h\u01a1n.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ch\u00fang ta h\u00e3y xem x\u00e9t k\u1ef9 h\u01a1n m\u1ed9t ch\u00fat v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t. T\u1ef7 l\u1ec7 LTV ch\u1ec9 xem x\u00e9t s\u1ed1 d\u01b0 th\u1ebf ch\u1ea5p ch\u00ednh c\u1ee7a m\u1ed9t ng\u00f4i nh\u00e0. Do \u0111\u00f3, n\u1ebfu s\u1ed1 d\u01b0 th\u1ebf ch\u1ea5p ch\u00ednh l\u00e0 100.000 USD v\u00e0 gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 l\u00e0 200.000 USD, LTV = 50%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Tuy nhi\u00ean, h\u00e3y xem x\u00e9t v\u00ed d\u1ee5 n\u1ebfu n\u00f3 c\u0169ng c\u00f3 kho\u1ea3n th\u1ebf ch\u1ea5p th\u1ee9 hai v\u1edbi s\u1ed1 ti\u1ec1n l\u00e0 30.000 USD v\u00e0 HELOC l\u00e0 20.000 USD. Kho\u1ea3n vay k\u1ebft h\u1ee3p theo gi\u00e1 tr\u1ecb b\u00e2y gi\u1edd tr\u1edf th\u00e0nh <strong>($100.000 + $30.000 + $20.000 \/ $200.000) = 75%<\/strong>; m\u1ed9t t\u1ef7 l\u1ec7 cao h\u01a1n nhi\u1ec1u.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nh\u1eefng c\u00e2n nh\u1eafc k\u1ebft h\u1ee3p n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng n\u1ebfu ng\u01b0\u1eddi nh\u1eadn th\u1ebf ch\u1ea5p kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 v\u00e0 b\u1ecb t\u1ecbch thu t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"font-weight: 400\">K\u1ebft lu\u1eadn<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400\">H\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi cho vay s\u1eed d\u1ee5ng 80% l\u00e0m ng\u01b0\u1ee1ng cho t\u1ef7 l\u1ec7 kho\u1ea3n vay tr\u00ean gi\u00e1 tr\u1ecb (LTV) t\u1ed1t. B\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec d\u01b0\u1edbi gi\u00e1 tr\u1ecb n\u00e0y th\u1eadm ch\u00ed c\u00f2n t\u1ed1t h\u01a1n. L\u01b0u \u00fd r\u1eb1ng chi ph\u00ed \u0111i vay c\u00f3 th\u1ec3 cao h\u01a1n ho\u1eb7c ng\u01b0\u1eddi \u0111i vay c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i cho vay khi LTV t\u0103ng tr\u00ean 80%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Hy v\u1ecdng b\u00e0i vi\u1ebft \u0111\u00e3 gi\u00fap b\u1ea1n \u0111\u1ecdc hi\u1ec3u h\u01a1n v\u1ec1 kh\u00e1i ni\u1ec7m loan-to-value ratio (LVT) trong DeFi. \u0110\u1eebng qu\u00ean, m\u1ecdi th\u1eafc m\u1eafc m\u1eafc v\u1ec1 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1, vui l\u00f2ng li\u00ean h\u1ec7 \u0111\u1ed9i ng\u0169 Support c\u1ee7a Fiahub 24\/7.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Loan-to-value ratio\u00a0 (LTV) l\u00e0 g\u00ec? LTV l\u00e0 t\u1ef7 l\u1ec7 gi\u1eefa gi\u00e1 tr\u1ecb kho\u1ea3n vay v\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p. Trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u0111i\u1ec3n h\u00ecnh, \u0111i\u1ec3m t\u00edn d\u1ee5ng x\u00e1c \u0111\u1ecbnh r\u1ee7i ro li\u00ean quan \u0111\u1ebfn kho\u1ea3n vay. \u0110i\u1ec3m t\u00edn d\u1ee5ng c\u00e0ng th\u1ea5p th\u00ec r\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi cho vay c\u00e0ng<\/p>\n","protected":false},"author":24,"featured_media":26604,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21850],"tags":[7609,21959],"class_list":{"0":"post-26598","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tu-dien-crypto","8":"tag-defi","9":"tag-defi-lending"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec? - Fiahub<\/title>\n<meta name=\"description\" content=\"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?\" \/>\n<meta property=\"og:description\" content=\"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiahub Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FiahubVN\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-07T03:07:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Le Hoang\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FIAHUBVN\" \/>\n<meta name=\"twitter:site\" content=\"@FIAHUBVN\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Le Hoang\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\"},\"author\":{\"name\":\"Le Hoang\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/438ca2054bd04d8ef374b9dd54ed3418\"},\"headline\":\"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?\",\"datePublished\":\"2024-06-07T03:07:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\"},\"wordCount\":2897,\"publisher\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png\",\"keywords\":[\"DeFi\",\"DeFi lending\"],\"articleSection\":[\"T\u1eeb \u0111i\u1ec3n Crypto\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\",\"url\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\",\"name\":\"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec? - Fiahub\",\"isPartOf\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png\",\"datePublished\":\"2024-06-07T03:07:02+00:00\",\"description\":\"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage\",\"url\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png\",\"contentUrl\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png\",\"width\":1024,\"height\":576,\"caption\":\"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n. Ng\u01b0\u1eddi cho vay gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00e0y cho \u0111\u1ebfn khi kho\u1ea3n vay \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fiahub.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#website\",\"url\":\"https:\/\/www.fiahub.com\/blog\/\",\"name\":\"Fiahub Blog\",\"description\":\"Fiahub Blog\",\"publisher\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fiahub.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#organization\",\"name\":\"DIGITEX Pte Ltd\",\"url\":\"https:\/\/www.fiahub.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2019\/08\/2018-05-2723.41.06.jpg\",\"contentUrl\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2019\/08\/2018-05-2723.41.06.jpg\",\"width\":956,\"height\":500,\"caption\":\"DIGITEX Pte Ltd\"},\"image\":{\"@id\":\"https:\/\/www.fiahub.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/FiahubVN\/\",\"https:\/\/x.com\/FIAHUBVN\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/438ca2054bd04d8ef374b9dd54ed3418\",\"name\":\"Le Hoang\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/09\/Le-Hoang.jpg\",\"contentUrl\":\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/09\/Le-Hoang.jpg\",\"caption\":\"Le Hoang\"},\"description\":\"Freelancer Marketing v\u00e0 Content Creator v\u1edbi g\u1ea7n 10 n\u0103m kinh nghi\u1ec7m; trong \u0111\u00f3 c\u00f3 kho\u1ea3ng h\u01a1n 3 n\u0103m l\u00e0m vi\u1ec7c trong m\u1ea3ng Blockchain v\u1edbi vai tr\u00f2 D\u1ecbch Thu\u1eadt v\u00e0 Copywriter. V\u1edbi ki\u1ebfn th\u1ee9c s\u00e2u r\u1ed9ng c\u00f9ng kh\u1ea3 n\u0103ng di\u1ec5n gi\u1ea3i \u0111\u1ec3 nh\u1eefng thu\u1eadt ng\u1eef c\u00f4ng ngh\u1ec7 kh\u00f3 hi\u1ec3u tr\u1edf n\u00ean g\u1ea7n g\u0169i h\u01a1n v\u1edbi ng\u01b0\u1eddi \u0111\u1ecdc. L\u00ea Ho\u00e0ng \u0111\u1ea3m nhi\u1ec7m nh\u1eefng b\u00e0i vi\u1ebft trong chuy\u00ean m\u1ee5c \\\"T\u1eeb \u0110i\u1ec3n Crypto\\\" v\u00e0 \\\"H\u01b0\u1edbng D\u1eabn Ng\u01b0\u1eddi M\u1edbi\\\" t\u1ea1i Fiahub Blog\",\"url\":\"https:\/\/www.fiahub.com\/blog\/author\/le-hoang\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec? - Fiahub","description":"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/","og_locale":"en_US","og_type":"article","og_title":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?","og_description":"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.","og_url":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/","og_site_name":"Fiahub Blog","article_publisher":"https:\/\/www.facebook.com\/FiahubVN\/","article_published_time":"2024-06-07T03:07:02+00:00","og_image":[{"width":1024,"height":576,"url":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png","type":"image\/png"}],"author":"Le Hoang","twitter_card":"summary_large_image","twitter_creator":"@FIAHUBVN","twitter_site":"@FIAHUBVN","twitter_misc":{"Written by":"Le Hoang","Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#article","isPartOf":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/"},"author":{"name":"Le Hoang","@id":"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/438ca2054bd04d8ef374b9dd54ed3418"},"headline":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?","datePublished":"2024-06-07T03:07:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/"},"wordCount":2897,"publisher":{"@id":"https:\/\/www.fiahub.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png","keywords":["DeFi","DeFi lending"],"articleSection":["T\u1eeb \u0111i\u1ec3n Crypto"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/","url":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/","name":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec? - Fiahub","isPartOf":{"@id":"https:\/\/www.fiahub.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage"},"image":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png","datePublished":"2024-06-07T03:07:02+00:00","description":"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n.","breadcrumb":{"@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#primaryimage","url":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png","contentUrl":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/06\/Fiahub_Glossary_loan-to-value-ratio.png","width":1024,"height":576,"caption":"Loan-to-value (LTV) x\u00e1c \u0111\u1ecbnh s\u1ed1 l\u01b0\u1ee3ng ti\u1ec1n \u0111i\u1ec7n t\u1eed m\u00e0 m\u1ed9t ng\u01b0\u1eddi s\u1ebd c\u1ea7n l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 vay ti\u1ec1n. Ng\u01b0\u1eddi cho vay gi\u1eef t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u00e0y cho \u0111\u1ebfn khi kho\u1ea3n vay \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7."},{"@type":"BreadcrumbList","@id":"https:\/\/www.fiahub.com\/blog\/loan-to-value-ratio-ltv-trong-defi-la-gi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fiahub.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Loan-to-value ratio (LTV) trong Defi l\u00e0 g\u00ec?"}]},{"@type":"WebSite","@id":"https:\/\/www.fiahub.com\/blog\/#website","url":"https:\/\/www.fiahub.com\/blog\/","name":"Fiahub Blog","description":"Fiahub Blog","publisher":{"@id":"https:\/\/www.fiahub.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fiahub.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.fiahub.com\/blog\/#organization","name":"DIGITEX Pte Ltd","url":"https:\/\/www.fiahub.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fiahub.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2019\/08\/2018-05-2723.41.06.jpg","contentUrl":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2019\/08\/2018-05-2723.41.06.jpg","width":956,"height":500,"caption":"DIGITEX Pte Ltd"},"image":{"@id":"https:\/\/www.fiahub.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/FiahubVN\/","https:\/\/x.com\/FIAHUBVN"]},{"@type":"Person","@id":"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/438ca2054bd04d8ef374b9dd54ed3418","name":"Le Hoang","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fiahub.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/09\/Le-Hoang.jpg","contentUrl":"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2024\/09\/Le-Hoang.jpg","caption":"Le Hoang"},"description":"Freelancer Marketing v\u00e0 Content Creator v\u1edbi g\u1ea7n 10 n\u0103m kinh nghi\u1ec7m; trong \u0111\u00f3 c\u00f3 kho\u1ea3ng h\u01a1n 3 n\u0103m l\u00e0m vi\u1ec7c trong m\u1ea3ng Blockchain v\u1edbi vai tr\u00f2 D\u1ecbch Thu\u1eadt v\u00e0 Copywriter. V\u1edbi ki\u1ebfn th\u1ee9c s\u00e2u r\u1ed9ng c\u00f9ng kh\u1ea3 n\u0103ng di\u1ec5n gi\u1ea3i \u0111\u1ec3 nh\u1eefng thu\u1eadt ng\u1eef c\u00f4ng ngh\u1ec7 kh\u00f3 hi\u1ec3u tr\u1edf n\u00ean g\u1ea7n g\u0169i h\u01a1n v\u1edbi ng\u01b0\u1eddi \u0111\u1ecdc. L\u00ea Ho\u00e0ng \u0111\u1ea3m nhi\u1ec7m nh\u1eefng b\u00e0i vi\u1ebft trong chuy\u00ean m\u1ee5c \"T\u1eeb \u0110i\u1ec3n Crypto\" v\u00e0 \"H\u01b0\u1edbng D\u1eabn Ng\u01b0\u1eddi M\u1edbi\" t\u1ea1i Fiahub Blog","url":"https:\/\/www.fiahub.com\/blog\/author\/le-hoang\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/posts\/26598","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/comments?post=26598"}],"version-history":[{"count":1,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/posts\/26598\/revisions"}],"predecessor-version":[{"id":26605,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/posts\/26598\/revisions\/26605"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/media\/26604"}],"wp:attachment":[{"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/media?parent=26598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/categories?post=26598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiahub.com\/blog\/wp-json\/wp\/v2\/tags?post=26598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}