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 Saib Hmoov

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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 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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