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 Saib Hmoov

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Ntsuj_Plig
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PostSubject: Saib Hmoov   Sat Jun 06, 2015 7:58 am

First topic message reminder :



Saib hmoov seb koj yug hnub twg thiab puas zoo.

Saib Kab Tes Nias Nov

Nyeem Ntawv Kab Tes
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PostSubject: Re: Saib Hmoov   Sun Mar 06, 2016 8:29 am

Tij laug ntsuj_plig,
kuv ua kwv muaj 3 nqe lus nug nej cov ua tij thiab cov muam sawv daws uas nyob rau lub teb chaw tim ko,
1. yuav khwv li cas thiab yuav ua yam twg thiaj li muaj nyiaj?
2. yuav khaws yus pob nyiaj li cas thiaj li ceev tau pob nyiaj cia?
3. yuav paub nyiaj txoj sia tau li cas thiaj paub tswj fwm nws?
kuv thov nej pab explain kom meej2 rau kuv step by step rau kuv kom meej2 thiab yog qhia ua list los haj yam zoo kuv  yuav nco nej sawv daws tus txiaj ntsig nawb,

best regards,
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PostSubject: Re: Saib Hmoov   Sun Mar 06, 2016 10:31 am

Ncoibsim...

Zoo siab thiab ua tsaug rau koj cov lus nug, tab sis kuv yuav tso rau 8tos8nco, Nag Tshia, thiab lawv lwm tus mam teb koj vim tias lawv thiaj yuav yog cov paub txog kev lag luam. Hos kuv ces tsuas yog ua hauj lwm ib hnub noj ib hnub xwb.

Txawm li cas los cia kuv teb me me raws li kuv txoj kev coj hauv kuv lub neej rau koj coj mus xav thiab mam ho tos lawv lwm tus cov lus teb ntxiv.

Teb raws koj cov lus nug:

(1). Kev khwv nyiaj: Raws kuv saib nyob rau Laos lub sij hawm no, yog tias koj twb yog ib tug tub kawm muaj kev kawm paub rau sab English. Koj qhib ib lub chaw coj neeg ncig teb chaws, qhov no yuav ua rau koj tau nyiaj txawv teb chaws coj los pauv ua nyiaj nplog nws yuav zoo dua li qhov koj mus ua ib txoj hauj lwm rau ib lub chaw ua hauj lwm them nyiaj nplog.

(2). Kev khaws nyiaj: Thaum koj tau nyiaj ntau lawm muab tso rau hauv Bank noj paj, tso rau qhov Long Term Plan yuav tau paj siab dua. Thaum koj muaj nyiaj seem siv tsis txog lawm koj kuj qhib ib lub chaw txais nyiaj noj paj qhov no yuav yog ib txoj kev lag luag rau koj zoo ib yam li tus dej ntaus yis ua kom lub pas dej ntawd ib hnub loj zuj zus tuaj.

(3). Nyiaj txoj sia: Nyiaj zoo ib yam li tus dej ntws, yog muaj chaw ntws los yeej yuav muaj chaw tawm, tab sis koj lub ncauj hub uas cug dej yuav tsum loj dua qhov chaw qhib dej tawm. Koj lub hub dej thiaj li yuav txawj puv, yog tias qhov chaw dej ntws tawm tseem loj tshaj qhov chaw dej nkag los ces kawg lub hub tsuas tshuav tej xuab zeb tog cia xwb.
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PostSubject: Re: Saib Hmoov   Sun Mar 06, 2016 10:58 am

tij laug ntuj_plig,
koj cov lus muaj kuab heev li os kuv thov ua tsaug ntau2 nawb vim lub neej tam sim no kuv tab txhawj xeeb txog rau 3 nqe lus no thiab xav tsis tawm li, nej sawv daws leej twg muaj lub zoo tswv yim los thov txhob ua siab deb es muab tuaj nthuav tawm pab rau peb cov kwv tij hmoob kom txhob poob rau txoj kev txom nyem ntxiv lawm,
kuv tseem tshuav ib lo tsi tau nug tias:
1. yog thaum yus muaj ib pob nyiaj lawm yuav muab coj mus khaws cia hauv Bank los yog yuav coj mus yuav ib lub tsheb, coj mus ua vaj tsev los yog lwm yam es qhov twg thiaj li yog qhov zoo dua?

please advise
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PostSubject: Re: Saib Hmoov   Sun Mar 06, 2016 12:51 pm

Ncoibsim....

Yog koj muaj ib thaj teb lawm koj yuav tsum tau muaj taus muaj txuas thiaj ua tau teb noj. Yog koj muaj ib qho business lawm koj yeej yuav tsum tau muaj tsheb thiaj yuav khiav tau koj qhov lag luam. 

Vim li ntawd thawj kauj ruam ntawm koj pob nyiaj yog yuav tau muab yuav lub tsheb ua ntej, thaum twg yog koj muaj nyiaj ntau seem yuav siv tsis txog lawm mam muab mus tso hauv Bank thiab ua lwm yam.
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PostSubject: Re: Saib Hmoov   Sun Mar 06, 2016 4:12 pm

Tij laug ntsuj_plig.............
kuv ces tam sim no kuv tab tom ntshaw raug ib lub tsheb heev li ua npau suav toog xwb cuag thaum hluas es yus pib qaug quav rau cov me nyuam hluas nkauj ntag tab si kuv nyiaj tsi txaus yuav li thiab kuv tsi pom qab yuav mus sab laj los txais qhov twg ntxiv li vim lub teb chaw no yog yus yuav tsheb down payment xwb ces interest kim heev kam yog 0.69% diam hos
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PostSubject: Re: Saib Hmoov   Mon Mar 07, 2016 10:11 am

Ncoibsim....

Ua neej nyob ntshaw yam twg ces npaj yuav yam ntawd ua ntej nawb. Yus lub neej yeej zoo ib yam nkaus li txoj kev nkauj kev nraug ntag, yog koj ntshaw koj nyiam nws lawm koj pheej yuav tos ces muaj ib hnub lwm tus muab yuav kiag lawm yuav mob koj siab npaum li lawv yuav koj tus hluas nkauj ntag.

Hais txog kev txais nyiaj: Yog tias nej twb chaws txais nyiaj them paj txog 0.69% tiag mas siab dhau lawm nawb, kuv los kuj tsis paub yuav hais tau li cas. Nyob rau peb teb chaws suav txij thaum 2008 uas kev lag luam poob qis los no hais txog kev txais nyiaj yuav tsheb xwb ces yeej yog pheej yig heev. 

Cia kuv maub laij me ntsis seb koj puas yog hais li qhov kuv xav no:

Piv txwv li:l

Txais nyiaj $5000.00
Paj yog 69% = $3,450.00 per year
Ua 3 xyoo them = $10,350.00 total interest 3 years
xam ua ke tag nrho nyiaj them rov qab: $15,350.00
Mothly Payment: $426.38.

Nyob ntawm peb teb chaws lub sij hawm no tus nqi paj 2.5%

Txais nyiaj $5,000.00
Paj yog 2.5% = $125.00 per year
Ua 3 xyoos them: $375.00 total interest 3 years
Xam ua ke tag nrho nyiaj them rov qab: $5,375.00
Mothly payment: $149.30

Saib seb puas yog li kuv hais no, los yog kuv to taub koj qhov paj yuam kev lawm. Raws kuv saib yog tias 0.69% mas nws ho yog qis heev li: 5000x0.69%=$34.50 xwb.
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PostSubject: Re: Saib Hmoov   Mon Mar 07, 2016 1:57 pm

Tij laug ntsuj_plig..........
nyob li ntawm txoj kev ntshaw ces yog li koj tau hais os tsam no yus kawm tag lawm kuj nrhiav tau me ntsis hauj lwm ua lawm thiab ces next step ces xav tau ib tug nyab zoo los pab txhawb yus lub neej thiab los hlub yus, tom qab ntawv xav tau muaj vaj tsev zoo rau tej poj niam me nyuam tau nyob, last step nyob rau peb txiv neej txoj kev npau suav ces kom yus muaj Ib lub me tsheb nrog luag tsav thiab muaj nyiaj txiag siv tsi nco txhawj xwb ces yeej txhais tau tias yus lub neej tiam no yus tau successfully lawm os,
hais txog qhov paj laum tsi yog lawm os tus paj uas yus mus txais hauv bank mas yog 10-12%/month.
0,69% yog tus paj uas yus mus yuav tsheb os
xws li:
kuv yuav ib lub tseb tus nqi yog = $20.000
kuv yuav tau them ua ntej 10% =$2.000
ces yus tseem tshuav li=$18.000x0,69%
nqi paj yog $124,2/month.
=18.000/60 (5years)=$300.
$300+$124.2=$424.2 per month
yus yuav tau them $424.2 per month os
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PostSubject: Re: Saib Hmoov   Mon Mar 07, 2016 2:32 pm

Yog koj mus yuav tsheb ua hli them mas koj yuav tau kom lawv ua cov Auto Loan Calculator hauv bank rau koj ces lawv yeej paub uas kawg las mas.

Saib nov mus ua los tau...

http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx

http://www.mortgagecalculator.org/calcs/car.php

https://www.capitalone.com/auto-financing/calculators/


http://www.calculator.net/auto-loan-calculator.html


Last edited by 8tos8nco on Mon Mar 07, 2016 3:34 pm; edited 2 times in total
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PostSubject: Re: Saib Hmoov   Mon Mar 07, 2016 2:50 pm

haha koj mas tshaj lij tiag2 li yam twg los yeej paub tag li
tiam no ces tsuas lam xav tau xwb yeej tsi muaj hnub uas yuav muaj txog tsheej pob nyiaj mus coj lawv lub tsheb los caij li 5555
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PostSubject: Re: Saib Hmoov   Mon Mar 07, 2016 3:40 pm

Yog koj muaj nyiaj hnub nyiaj hli noj lawm ces koj mus yuav tsheb ces luag thiaj li kam koj them ua hli thiab xyoo rau luag ces koj yeej tsis tau them dab tsi tam sim li os.  Tab sis, luag muaj qhov yuav kom koj down payment seb yog pes tsawg mas luag thiaj li kam muab luag hlub tsheb rau koj yuav yog hais tias koj  tsim nyog tau txais (qualify) luag cov nyiaj yuav tsheb.
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