lannte Mae lounJatton co tbe gtu p quy ci nbu tbe na o.

N
eu quy ci cung nbu pban Jong nbung nguot My, ctec /am cbu
mot can nba cua cbinb mnb /a mot pban quan trong trong
uoc mo cua nguot My. lannte Mae lounJatton muon gtup quy ci
tbong bteu nbung Jteu quy ci can pbat /am Je Jat Juoc nbung uoc mo
Jo. Btet ca bteu Juoc tin Jung cua mnb /a buoc Jau trong ctec cbuan
bi Je co Juoc quyen so buu.
Quyen so buu /a mot trong tracb /on ma quy ci pbat cbap nban
trong nbteu nam tot. o /a no /uc rat Jang gta, ca lannte Mae
lounJatton co tbe gtup quy ci trong no /uc Jo. Cbung tot btet /a toan bo
tten trnb trong ctec mua nba co tbe /a kbo bteu, nen cbung tot cung cap
mot Jicb cu quan trong cbo quy ci nbu nbung tbong ttn trong cuon cbl
nam nay Cbung tot by cong /a cac tbong ttn nay se gtup quy ci kbot
banb tren con Juong Jt tot quyen so buu mot can nba.
lannte Mae lounJatton /a mot to cbuc bat cu /ot. Ngoat cac boat
Jong kbac ra, cbung tot con cung cap cac tbong ttn buu Jung cbo
nbung nguot My muon mua nba. Quy Tat Tro Gtao Duc Quoc Gta
(Tbe Nattona/ EnJoument jor ltnancta/ EJucatton

NElE Ja gtup
pbat trten cbuong trnb Btet Va Hteu Tin Dung cua Quy Vi nbu mot
Jicb cu cong cong cua lannte Mae lounJatton.
Credit Guide.Vietnamese_Final 4/16/00 11:25 AM Page 2
Cuo n cbl nam na y co tbe gtu p quy ci nbu tbe na o.
C
o nbung buoc can pbat /am Je tten gan Jen uoc mo ce quyen so
buu cua quy ci. Buoc Jau /a tbtet /ap mot qua trnb tin Jung tot,
nbat /a kbt quy ci co can Je ce tin Jung truoc Jay. Vtec /ap mot
qua trnb tin Jung tot co ngbia /a tbanb toan cac mon no cua mnb bay
tap tbanb tbot quen tra no Jung ban. Hoac cung co tbe /a tao mot qua
trnb tin Jung kbong tbeo truyen tbong neu truoc Jay quy ci cbua cay
muon bao gto. Buoc ke ttep /a gtu tin Jung tot kbt co. Cac buoc nay co
tbe mat nbteu tbot gtan ca can co su cuong quyet, nbung /a Jteu co tbe
tbuc bten Juoc. Cuon cbl nam nay se cbl cacb cbo quy ci.
Cuon cbl nam nay gtat tbicb tbe nao /a tin Jung ca tat sao co Juoc tin
Jung tot /a Jteu quan trong, nbat /a kbt quy ci muon mua mot can nba.
Cuon cbl nam cung con cung cap cac tbong ttn buu Jung ce.
Cac bao cao tin Jung ca gbt Jtem tin Jung
Cat tbten tin Jung
Tao mot qua trnb tin Jung kbong tbeo truyen tbong
Dung ngan sacb, truong muc cbt pbteu, ca truong muc ttet ktem Je
ktem soat tin Jung cua quy ci.
Cbung tot by cong rang tbong ttn trong cuon cbl nam nay se gtup quy
ci tbtet /ap ca Juy tr mot qua trnb tin Jung tot ca gtup quy ci tten
gan Jen uoc mo ce quyen so buu mot can nba cua mnb.
Credit Guide.Vietnamese_Final 4/16/00 11:26 AM Page 3
Tin Ju ng /a g:
h
eu quy v; da fung vay no de mua mof mon g - fh du nhu mof
chIec xe - quy v; duoc vay mof mon no. Tn dung co nghIa Ia quy v;
vay fIen cua mof nguoI khac de fra cho nhung mon mnh mua.
Cung con co nghIa Ia quy v; cam kef se hoan fra so fIen |mon no) cho
nguoI hoac cong fy da cho quy v; vay fIen |chu no hoac nguoI cho vay no).
Mof mon no fhuong bao gom ca fIen von |so fIen quy v; muon) Ian fIen
IoI |fIen fra fhem cho quyen duoc vay no). V vay muon Ia mof nghIa
vu phap Iy, dIeu quan frong phaI hIeu Ia quy v; se hoan fra mon no
nay nhu fhe nao.
Tn dung fof co nghIa Ia quy v; fra no dung han va fhanh
foan cac mon no nhu da hua. Tn dung fof Ia dIeu quan frong
boI v dIeu nay se gIup quy v; duoc vay mof mon no moI de dang
hon frong fuong IaI khI quy v; can mua mof mon g Ion hon, nhu
nha hay xe. KhI quy v; da co mof ho so fn dung fof, nguoI cho vay cam
fhay fIn fuong hon Ia quy v; se san sang va co kha nang fhanh foan cac
mon no moI.
Thaf vay, quy v; can fn dung fof de mua mof can nha, nhung quy v;
khong can phaI co mof fn dung hoan hao. Neu hIen nay quy v; khong co
mof fn dung fof, xIn dung nan Iong. Quy v; co fhe ap dung y kIen frong
cuon chI nam nay de baf dau caI fhIen fn dung cua mnh.
Co fhe phaI maf mof fhoI gIan, nhung quy v; se fhay kha hon nhIeu neu
caI fhIen duoc fn dung cua mnh fruoc khI dI vay fIen de mua nha hoac
3
1
Credit Guide.Vietnamese_Final 4/4/00 3:15 PM Page 4
mua cac fhu khac Ion hon. Ieu nay quan frong, v neu quy v; co fhoI
quen khong fra no dung han, hoac mac qua nhIeu no, quy v; co fhe
khong hoI du dIeu kIen de duoc vay fIen mua nha. Hoac, co fhe chu no
se cho quy v; vay nhung buoc phaI daf fIen coc nhIeu hon hoac voI mof
muc IoI cao hon. Neu phaI fra voI muc IoI cao hon, kef qua Ia quy v; co
fhe phaI fra fhem hang ngan do Ia fIen IoI cho can nha cua mnh.
Th du, mof mon no $80,000 vay voI muc IoI co
d;nh 7 phan fram frong 30 nam quy v; se phaI
fra hang fhang khoang $532, so voI so fIen fra
hang fhang $644 cho cung mof khoan vay $80,000
voI muc IoI 9 phan fram. Suof khoang fhoI gIan
vay no, quy v; se phaI fra fhem gan $40,000 cho
khoan no do o muc IoI 9 phan fram so voI muc IoI
7 phan fram. Nhu quy v; fhay, vIec gIaI quyef cac
van de fn dung ma quy v; co fruoc day Ia dIeu
nen Iam fruoc khI baf dau fm mua mof can nha
de co fhe duoc vay voI mof muc IoI hop Iy nhaf.
4
Credit Guide.Vietnamese_Final 4/4/00 3:15 PM Page 5
La m tbe na o Je bte t /a to t co tin Ju ng to t:

oI khI nguoI fa nghI rang mnh co fn dung fof. ToI khI dI vay ho
moI ngac nhIen phaf gIac ra Ia co mof so van de ve fn dung.
Phuong cach fof nhaf de fm hIeu xem quy v; co fn dung fof hay
khong Ia Iay mof ban bao cao ve fn dung cua mnh.
Ba n ba o ca o tin Ju ng /a g:
8
an bao cao fn dung Ia mof ho so ve cung cach fra fIen cua quy
v; cho cac mon no fhe fn dung va cac khoan vay khac. an
bao cao fn dung cho fhay quy v; con no bao nhIeu, quy v; co
fra no dung han hay khong, hoac co mon no nao quy v; chua fhanh
foan khong. Cac ban bao cao fn dung khong cho bIef fhong fIn ve
chung foc, fon gIao, qua frnh benh Iy, IoI song ca nhan, khuynh huong
chnh fr;, ho so hnh su hoac baf cu cac fhong fIn nao khac khong
IIen quan den fn dung.
ao cao fn dung do cac co quan bao cao fn dung quoc gIa soan fhao.
an bao cao fn dung dIen hnh gom co bon fhong fIn:
1. Thong In nhun dung: fen cua quy v;, d;a chI hIen faI va fruoc day,
so dIen fhoaI, so An SInh Xa HoI, ngay sanh, so Iam hIen faI va fruoc
day. Thong fIn nay do don xIn fn dung cua quy v; cung cap.
2. Thong Tn TIn Dung: cac chI fIef cu fhe ve fhe fn dung, fIen vay dI
hoc, va cac mon no khac cua quy v;. Thong fIn nay bao gom ngay mo
fn dung, muc fn dung gIoI han hoac so fIen vay, fon khoan, va so
fIen fra hang fhang. an bao cao cung cho bIef qua frnh fra fIen cua
quy v; frong vaI nam qua, va fen cua baf cu nguoI nao khac ch;u frach
5
2
Credit Guide.Vietnamese_Final 4/5/00 5:45 AM Page 6
nhIem fra cho fruong muc, nhu nguoI phoI ngau hoac nguoI cung ky.
VIec fra fre, Io ky fra, fruong muc duoc gIao cho mof co quan doI no,
va so fIen fhau hoI duoc deu co ghI o day. Thong fIn nay do cac cong
fy quy v; co gIao d;ch cung cap.
3. Thong In ho so cong cong: cac ho so ve pha san, saI ap fhe no,
khau fru cac khoan fhue chua fra, cac phan quyef ve fIen bac cua foa
an |nhu cac vu kIen), va, faI mof so fIeu bang, fIen cap duong con caI
qua han. Thong fIn nay do cac ho so cong cong cung cap. XIn xem fh
du duoI day.
4. eu Iru: fen cua nhung nguoI xIn ban bao cao fn dung cua quy v;,
va chnh quy v; fhuong hay xIn fn dung nhu fhe nao frong haI nam
qua. KhI quy v; xIn ban bao cao fn dung, quy v; se fhay fen cac cong
fy da duyef xef bao cao cua quy v; de cap fn dung "da duoc chap
6
h0 80 T0k kh
n sai ap nop ngay, thang 03/96, Thanh Pho
Fulton, ho s so 32114, so tien $75,697, hang
thanh pho/quan hat cong bo ngay, thang 07/96.
Xac nhan ngay,thang 11/97
n pha san nop ngay,thang 02/97.
Thanh Pho Fulton, ho s so 673HC12, so n
$18,756, tng ca nhan. Phuc hoi. Tai san $820.
Ho s phan quyet nop ngay, thang 07/98. Thanh
Pho Fulton, ho s so 892237. B cao John Doe, so
tien $4,897, nguyen cao ABC Distributors, giai quyet
ngay, thang 03/99. Xac nhan ngay, thang 05/99.
6ar dIau khoan Irong ho so rong rong Iay duor Iu rar
Ioa d}a phuong, IIau bang, va IIan bang phan anh qua
Irnh dap ung rar ngha vu va IaI rhanh rua quy v}.
Credit Guide.Vietnamese_Final 4/4/00 9:03 PM Page 7
fhuan fruoc". Tuy nhIen, fen cua cac cong fy nay se khong duoc ghI
fren ban bao cao cho cac chu no khI ho xIn bao cao fn dung cua quy
v;. Cac chu no chI fhay duoc dIeu ma quy v; ghI |chang han nhu khI
xIn fhe fn dung moI).
Chu no dua vao fhong fIn nay ve vIec quy v; da fra cac mon no fruoc
day nhu fhe nao de quyef d;nh ve kha nang quy v; fhanh foan mof mon
no moI. KhI quy v; xIn fn dung hoac xIn vay no, quy v; cho phep chu no
xIn ban bao cao fn dung cua mnh faI mof co quan bao cao fn dung.
La m the na o e xin ba n ba o ca o tn du ng.
P
huong cach fof nhaf de bIef co nhung g frong ban bao cao fn
dung cua mnh Ia xIn mof ban va duyef xef can fhan. MoI nam xIn
mof ban bao cao fn dung cua mnh Ia mof y kIen hay de bIef chac
Ia frong do khong co dIeu g saI Iam.
Quy v; co fhe xIn ban bao cao fn dung cua mnh faI baf cu co quan bao
cao fn dung chnh nao IIef ke o pha ben phaI. KhI xIn ban bao cao, quy
v; nen co san so An SInh Xa
HoI, ngay sanh, d;a chI hIen
faI va fruoc day frong nam
nam qua, va nhu danh |fen fhoI
con gaI), neu can.
7
Experian
1-888-EXPERIAN
(397-3742)
www.experian.com
Equifax
1-800-685-1111
www.equifax.com
Trans Union Corporation
1-800-916-8800
(muon xin mot ban bao cao tn
dung hoac hoi ve ban bao cao
tn dung cua quy v)
www.transunion.com
Credit Guide.Vietnamese_Final 4/21/00 10:50 AM Page 8
Quy v; co fhe phaI fra mof Ie ph nho |khoang $8) de xIn ban bao cao
fn dung. Co khI Iuaf cua fIeu bang quy v; o baf buoc cac co quan bao
cao fn dung cung cap mof hoac haI ban bao cao mIen ph moI nam.
KhI b; fu choI fn dung quy v; se duoc cung cap mIen ph ban bao cao fn
dung. Tuy nhIen, quy v; phaI hoI co quan bao cao fn dung ban bao cao
frong mof khoang fhoI gIan nhaf d;nh, fhuong Ia 60 ngay.
Thong fIn fren ban bao cao fn dung co fhe khac nhau fuy fheo fung co
quan bao cao fn dung. V khong phaI faf ca cac chu no deu bao cho faf
ca cac co quan bao cao fn dung cac fhong fIn cua ho. V Ie do, quy v; co
fhe xIn moI noI mof ban bao cao faI ba co quan bao cao fn dung IIef ke
noI frang fruoc.
Hte u ba n ba o ca o tin Ju ng cu a quy ci nbu tbe na o.
6
o nhung fo chuc san sang gIup quy v; de hIeu ban bao cao cua
mnh voI mof gIa fuong frung hoac khong fon g ca. Chang
han, quy v; co fhe yeu cau co quan da guI ban bao cao fn
dung, hoac den mof fo chuc baf vu IoI co van ve fn dung de nho ho
gIup. Quy v; cung co fhe nho co quan cho vay, nghIep doan fn
dung, hoac cac co quan fro gIup gIa cu d;a phuong frong fhanh pho
hoac quan noI quy v; cu ngu gIup.
Th du noI frang 9 cho fhay ban bao cao fn dung nhu fhe nao,
nhung xIn quy v; nho Ia khong phaI faf ca cac ban bao cao fn dung
cung deu gIong nhau. Trnh bay noI day Ia ba ho so fn dung khac
nhau cua cung mof fruong muc.
8u a Jo t ca c sat /a m nbu tbe na o.

Ieu quan frong Ia phaI bIef chac ban bao cao fn dung phaI duoc
chnh xac. Neu co dIeu saI Iam hay fhong fIn qua cu frong ban
bao cao fn dung se Iam fhuong fon den vIec quy v; xIn vay mof
mon no moI.
8
Credit Guide.Vietnamese_Final 4/4/00 3:15 PM Page 9
TIn mung Ia quy v; co quyen yeu cau ho sua cac saI Iam mIen ph.
Sau day Ia vaI cach:
1. an bao cao fn dung co fhe gom co cac fhong fIn ve vIec sua saI nhu
fhe nao. Hay Iam fheo cac chI dan frong ban bao cao fn dung de bao
cho co quan bao cao fn dung ve su Iam Ian.
2. ChI can goI dIen fhoaI de bao cho co quan bIef ve cac saI Iam Ia se
gIaI quyef xong van de.
9
THONG TIN CAN THIET C
TM THAY TREN TAT CA CAC BAO CAO
TN DUNG.
First National Bank Date Received Date Mailed In File Since Inquired As:
987 Any Road 5/11/99 5/11/99 April 1985 Individual
Anytown, Anystate 12345 Account
Betty G. Consumer
123 Any Street
Anytown, Anystate 12345
Former Address: 4321 First Ave., Anytown, Anystate 45678
SSN: 123-45-6789
Spouses Name: Robert R.
Present Employer and Address Position Income Emp. Date Date Verified
ABC & Associates $3,500/mt. 10/91 12/98
987 Main St., Anytown, Anystate 12345
Former Employer and Address
ABC, Inc. 456 Second Drive, Anytown, Anystate 12345
MAU DANH SACH TAI KHOAN TREN HO S TN DUNG "A"
Company Name Acct# Whose Date Months Date-Last High Terms Items as of Date Reported Date
Acct Opened Rcceived Activity Credit Bal. Past Due Status Reported
Charter
Bank VISA 8624 1 6/95 30 3/99 6000 520 R1 4/99
MAU DANH SACH TAI KHOAN TREN HO S TN DUNG "B"
ITEM ACCOUNT NAME DESCRIPTION STATUS/PAYMENTS
1 Charter Bank VISA This revolving loan was opened 6/95 and has As of 4/99, this account is
P.O. Box 73209 unspecified repayment terms. You have current and all payments
Houston, TX 77273 contractual responsibility for this account have been made on time.
ACCT# 8624 and are primarily responsible for its payment.
MAU DANH SACH TAI KHOAN TREN HO S TN DUNG "C"
The following accounts are reported with no adverse information
Charter Bank VISA- #8624 Revolving Account
Reptd 4/99 Balance: $520 Individual Account
Opened 6/95 Most Owed: $6000
Status as of 4/99: Paid as agreed
NIAU BAO CAO TN DUNG
Credit Guide.Vietnamese_Final 4/21/00 10:45 AM Page 10
3. Neu can fhem fhong fIn de sua saI, co quan bao cao fn dung se cho
quy v; bIef phaI guI nhung g. Th du, co quan co fhe hoI ve ban sao
cac chI phIeu da fra hoac cac fhong fIn khac ve vIec fra fIen. Neu quy
v; Iuu gIu ho so ky cang, fhong fIn nay se cho fhay cho saI Iam de
dang hon.
4. Quy v; cung co fhe gIaI fhch van de frong mof buc fhu ngan. Co quan
bao cao fn dung phaI dIeu fra ve khIeu naI cua quy v; frong vong 30
ngay va bao cao cho quy v; bIef kef qua. Mof phan frong cuoc dIeu fra,
co quan se kIem fra IaI voI chu no ve nhung fhong fIn cua ho ma quy
v; co nghI van. Neu co quan fhay fhong fIn frong ban bao cao fn dung
Ia khong chnh xac, chu no phaI bao cho cac co quan bao cao fn dung
chnh khac ve su Iam Ian de ho co fhe sua IaI fhong fIn cua ho.
Neu co quan bao cao fn dung khong fm fhay saI Iam nao, nhung quy v;
van fIn Ia ban bao cao fn dung cua mnh khong chnh xac, quy v; co fhe
fruc fIep IIen Iac voI chu no de fhu gIaI quyef van de. KhI quy v; da gIaI
quyef xong, nen yeu cau chu no guI ban da sua den cho co quan bao cao
fn dung.
Quy v; cung co quyen frnh bay nhung Iy Ie cua mnh ve ban bao cao fn
dung neu van de van chua duoc gIaI quyef. Quy v; co fhe vIef foI 100 chu
de gIaI fhch su vIec. an fuong frnh do se duoc dnh kem frong ban
bao cao fn dung cua quy v;. Th du, neu quy v; khong fra fIen hoa don
sua xe v nguoI fho may da khong sua cho xe b; hu, hoa don chua duoc
fhanh foan co fhe duoc ghI fren ban bao cao fn dung cua quy v; - cung
nhu ban gIaI fhch cua quy v;.
10
Credit Guide.Vietnamese_Final 4/4/00 3:16 PM Page 11
Ba o ca o tin Ju ng ca Jte m tin Ju ng.
Q
uy v; co fhe fu hoI Ia Iam sao chu no co fhe fhay faf ca cac fhong
fIn fren ban bao cao fn dung cua quy v; va dI den mof quyef d;nh
cong bang ve fn dung cho quy v;. Cac chu no co fhe Iam dIeu nay
bang cach dung mof mo hnh dIen foan de phan fch bao cao fn dung
cua quy v; va cho dIem.
em IIn dung lu gI? Iem fn dung duoc dung de fIen IIeu
phong cach fra mof mon no moI cua fung ca nhan dua fren
kInh nghIem voI hang frIeu khach hang. Co nhIeu mo hnh
dIen foan khac nhau de fnh so dIem fn dung. Tuy nhIen,
noI chung, mo hnh dIen foan Ia de cho dIem fheo cac fhong
fIn frong mof ban bao cao fn dung. Th du, fra fIen dung
han moI fhang se duoc dIem fof. ung foI da so fIen duoc
chap fhuan fren mof fhe fn dung se b; dIem xau. May dIen
foan cong cac dIem xau va dIem fof IaI, va con so kef qua Ia
dIem fn dung.
The nuo lu dem IIn dung "IoI"? Ieu nay phu fhuoc vao mo hnh
ghI dIem fn dung va co quan cho vay. Th du, mof mo hnh dIen foan
xep hang dIem fu 300 den 900; con so cang cao fh cang fof. NgoaI ra,
moI chu no se quyef d;nh muc dIem fn dung nao duoc coI Ia co muc ruI
ro nhIeu hoac ruI ro f. V Ie do, chu no Ia nguon gIaI fhch fof nhaf ve
y nghIa dIem fn dung cua quy v; IIen quan den quyef d;nh foI hau ve
fn dung nhu fhe nao.
Tu suo phu dung den dem IIn dung? Cac chu no, ke ca chu no
cho vay fhe chap, dung dIem fn dung v do Ia cach nhanh chong,
khach quan de danh gIa bao cao fn dung. Iem fn dung cung bao ve
cho quy v;. V cac chI fIef ve fuoI fac, suc khoe, chung foc, fon gIao,
phaI fnh, nguon goc quoc gIa, fnh frang hon phoI, IoI fuc va cong vIec
Iam cua quy v; khong duoc mang ra de Iuong frong vIec quyef d;nh ve
dIem fn dung cua quy v;.
11
Credit Guide.Vietnamese_Final 4/16/00 11:53 AM Page 12
To co Ihe lum Ihe nuo de cu Ihen dem IIn dung? Neu mof
chu no cho bIef Ia quy v; co dIem fn dung kem va khuoc fu cap fn
dung v so dIem cua quy v;, fh quy v; can Iam fheo nhung buoc sau
day. Truoc fIen, quy v; co quyen yeu cau chu no da fu khuoc gIaI fhch
fren van ban. Ia fhu phaI neu ro Iy do ve vIec khuoc fu fn dung. Sau
do, quy v; co fhe daf ra mof ke hoach de duong dau voI cac van de
nay. Theo fhoI gIan, khI quy v; da caI fhIen duoc fn dung cua mnh,
fh dIem fn dung cua quy v; cung dong fhoI duoc caI fhIen. Nhung
phan sau cua cuon chI nam nay de ngh; cac cach de quy v; caI fhIen
fn dung.
Quy v; cung nen nho Ia chu no moI Ia nguoI co quyef d;nh foI hau de
chap fhuan don xIn vay fhe chap, chu khong phaI so dIem fn dung.
Iem fn dung chI Ia mof cong cu do chu no dung. Chu no co fhe xef
den baf cu Iy do dac bIef nao ve cac van de fn dung cua quy v; fruoc
day. NgoaI ra, chu no se khong chI quan fam den dIem fn dung ma con
xef den nhung yeu fo khac nhu von dau fu cua quy v; vao can nha, qua
frnh Iam vIec, IoI fuc, fIen fIef kIem, va IoaI no fhe chap ma quy v;
muon vay fruoc khI ho co quyef d;nh foI hau.
12
Credit Guide.Vietnamese_Final 4/16/00 11:53 AM Page 13
Tra tte n tre se a nb buo ng Je n tin Ju ng cu a to t nbu tbe na o:
H
ang fhang fra no dung han Ia phuong cach fof nhaf de Iap fn
dung fof. I nhIen, doI khI nguoI fa co fhe quen fra mof hoa don.
Hoa c v mo f bIe n co ba f ngo nhu b; dau na ng khIe n ho xao Ia ng
kho ng fra fIe n ho a don du ng ha n. Ne u dIe u na y chI xa y ra co mo f hoa c haI
Ia n, su fra fre co fhe se duo c ghI frong ba o ca o fn du ng cu a quy v;, nhung
quy v; co fhe gIa I fhch vo I chu no fa I sao su kIe n da xa y ra.
Tuy nhIen, khI mof nguoI fhuong xuyen fra fIen hoa don fre se anh
huong xau den fn dung cua ho. Theo kInh nghIem, chu no nhan
d;nh nhung nguoI khong fra no dung han fhuong Ia nhung nguoI
hay gap kho khan khI hoan fra mof mon no hon Ia nhung nguoI
fra dung han ky.
Sau day Ia mof vaI y kIen de franh fra fre.
anh dau vao I;ch khI nao phaI guI fIen fra hoa don moI fhang
de fhu se foI fruoc ngay den han.
Tra fIen fu dong fu fruong muc chI phIeu cua quy v; moI fhang. Cac
cong fy ga, dIen, dIen fhoaI, va bao hIem fhuong khuyen khch fhan
chu cua ho fra fIen hoa don bang cach nay. Neu quy v; fra fIen fu
dong, nen nho ghI nhung Ian fra nay frong cuon chI phIeu.
Neu quy v; dI du I;ch xa, hay daf mof ke hoach de fra fIen hoa
don dung han. Th du, quy v; co fhe nho mof nguoI ban Iay fhu
va chuyen cho quy v; cac hoa don de quy v; co fhe fra frong Iuc o xa.
Quy v; cung co fhe goI chu no fruoc khI dI xa de sap xep vIec fhanh
foan hoa don fruoc.
Iam fheo cac buoc nay se dan dan caI fhIen fn dung cua quy v;. Thong
fhuong chu no chI coI qua frnh fra no deu dan dung han frong haI nam
de fhIef Iap mof fn dung fof.
13
3
Credit Guide.Vietnamese_Final 4/16/00 11:53 AM Page 14
te u g kba c se gtu p to t kte m soa t Juo c tin Ju ng cu a mnb:
N
goaI vIec fhanh foan hoa don dung han moI fhang, quy v; co fhe
fhuc hIen cac buoc khac de caI fhIen fn dung hoac duy fr fn
dung fof ma quy v; da co.
Ca c buo c ma quy ci co tbe tu /a m /a y.
Tru no Iruoc. Thanh foan cac mon no nay fruoc khI quy
v; chI cho nhung vIec khac nhu dI an fIem hay dI xem
haf. Io cac Ian fra se co anh huong xau den vIec xep hang
fn dung cua quy v;.
Tru duI cuc mon no Ihe IIn dung mo Ihung. Neu quy
v; gap kho khan ve vIec nay, hay caf bo fhe de khoI dung
nua. Hoac caf fhe dI cho foI khI da fra xong no. Va chI
dung fhe frong fruong hop khan cap hoac khI bIef chac Ia
quy v; co fhe fra duf duoc so no moI fhang. Neu khong,
hay vIef chI phIeu hoac fra bang fIen maf cho nhung mon
quy v; mua.
Tu nhuc nho mInh lu Ihe IIn dung ch lu mon no. Truoc khI
dung fhe fn dung, hay fu hoI "Thuc su foI co can vay no de mua mon
nay khong7"
Xu II hon so Ien duoc vuy Io du Iren Ihe IIn dung. u cho quy
v; co fra dung han, chu no co fhe nghI Ia quy v; dang mac qua nhIeu
no.
14
4
Credit Guide.Vietnamese_Final 4/16/00 11:54 AM Page 15
Ch nen xn IIn dung kh cun. MoI khI quy v; Iam don xIn fn dung
Ia se duoc gh; vao ban bao cao fn dung cua quy v;. Neu quy v; fhuong
xuyen xIn fn dung, chu no co fhe Io ngaI khI fhay quy v; dung qua
nhIeu fn dung. Mac du quy v; khong mo fruong muc voI cac cua hang,
quy v; Iam don xIn co fhe Ia dau hIeu cho fhay co Ie quy v; gap fro
ngaI ve Iuu Iuong fIen maf. Nen franh xIn fhe fn dung chI de mua
vuI, hoac de duoc mof mon qua "mIen ph" hoac de duoc gIam gIa cho
mof mon do quy v; mua.
Neu quy v{ Ihuy lu mInh co Ihe dung Ihe IIn dung moI
cuch khon ngoun, huy chon Ihe nuo co lu suuI Ihup vu
khong co nen phI (houc nen phI ruI Ihup). The fn
dung cua cac cua hang fong hop hoac cac cua fIem khac
fhuong fnh IaI suaf cao hon fhe fn dung cua ngan hang.
Quy v; co fhe dung mang IuoI Infernef de kIem IoaI fhe co
Ie ph fhap va IaI suaf fhap. So sanh Ie ph va IaI suaf cua
cac fhu moI chao quy v; nhan duoc. ung fra fruoc mof Ie ph
nao de duoc IaI suaf fhap hon cho fhe fn dung. Ie ph fra fruoc
khac voI nIen ph va fhuong Ia mof su gIan Ian.
Co gung Iru nheu hon so Ien phu Iru Io Iheu mo Ihung.
KhI quy v; chI fra so fIen foI fhIeu, rof cuoc quy v; phaI fra raf nhIeu
fIen IoI. Th du, neu quy v; dung mof fhe fn dung co IaI suaf 18 phan
fram de mua mof bo ghe sa Iong gIa $1,000. Quy v; chI fra so fIen foI
fhIeu 2 phan fram moI fhang |khoang $20). VoI muc do, quy v; se can
khoang 90 fhang |hay 7 1/2 nam!) de fra duf cho bo ghe, va rof cuoc
quy v; phaI fon foI $1,800 khI cong ca fIen IoI va fIen no.
15
Credit Guide.Vietnamese_Final 4/16/00 11:54 AM Page 16
Dung Ihe IIn dung cuu mInh de IheI lup moI IIn dung IoI. Tuy
co fhe b; mac no neu quy v; Iam dung fhe fn dung, nhung quy v; cung
co fhe dung cac fhe fn dung mof cach khon kheo de chung fo Ia mnh
co fhe quan Iy fn dung duoc. Nen bIef chac Ia se fra duf cac mon no
fhe fn dung moI fhang hoac gIu so fon khoan fhaf fhap.
TIm cuch gum ch huy gu Iung lo Iuc. VoI cach nay quy v; se co
fhem fIen de fra no. Muon bIef fhem y kIen, xIn xem phan ngan sach
frong cuon chI nam nay.
Gu ho so cuc hou don vu cuc Iho buo quu hun. ung nghI Ia khI
quy v; ngung nhan duoc cac fhu bao Ia mon no da bIen maf. Nhu cac
bac sI hoac benh vIen doI khI ngung guI hoa don doI fIen benh nhan
sau nhIeu fhang fong daf. Nhung, ho IaI gIao hoa don do cho mof co
quan doI fIen, su kIen nay se duoc ghI fren ban bao cao fn dung cua
quy v;. Cac mon no dI hoc chua fhanh foan cung se duoc ghI fren ban
bao cao fn dung cua quy v; va co fhe can fro vIec quy v; xIn vay. Hay
kIem fra IaI bao cao fn dung de xem quy v; co nhung khoan no nay
khong. Sau do baf dau cac buoc de fra cho ho fruoc khI xIn vay mof
mon no moI.
uoc su gtu p Jo .
1. Neu quy v{ gup kho khun Irong vec Iru cuc mon no, huy go
chu no de Ihuo luun cuc luu chon. Hay goI ho fruoc khI quy v; Io
mof Ian fra. ay co fhe Ia mof buoc kho khan, nhung con do Iung
fung hon Ia de den khI chu no phaI goI dIen fhoaI doI. Th du, neu
quy v; mua xe va gap kho khan fra no, fof hon hef Ia ban xe dI de fra
duf no con hon Ia de cho chu no fhu hoI xe. VIec fhu hoI se co anh
huong xau den fn dung cua quy v;.
16
Credit Guide.Vietnamese_Final 4/16/00 11:54 AM Page 17
2. Neu quy v{ muc nheu no cuu cuc co so knh dounh, co Ihe lu
luc phu nho den cuc chuyen gu gup do. Nen nho mof fo chuc
co van fn dung fhIen nguyen. Nhung fo chuc nay
co fhe cung Iam vIec voI quy v; va chu no de dua
ra mof ke hoach fra fIen. Ho cung cap d;ch vu nay
voI gIa re hoac mIen ph. Co quan cho vay hoac
chu no co fhe gIoI fhIeu cho quy v; mof v; co van
fn dung. Quy v; cung co fhe fm d;ch vu co van fn
dung o nhung noI khac nhu cac fruong daI hoc, can
cu quan su, nghIep doan fn dung, ngan hang va
cac co quan gIa cu.
3. Huy Irunh xu cuc cong Iy "suu IIn dung". Cac
fo chuc co van hop phap, baf vu IoI, daf faI cac cong dong cung
cap d;ch vu foI can cho nhung nguoI hIen dang gap kho khan ve fn
dung. XIn dung nham cac fo chuc nay voI cac cong fy menh danh Ia
sua fn dung khI ho noI Ia se sua qua frnh fn dung cua quy v; de
Iay Ie ph. Ieu nay khong fhe fhuc hIen duoc. ChI co quy v; moI
co fhe fu sua duoc fn dung xau bang cach fra cac mon no hIen huu
va fra hoa don dung han. Cac IoI hua nhu "Chung foI co fhe xoa sach
fn dung xau cua quy v;, bao dam 100 phan fram" Ia khong dung su
fhuc. Muon dIeu fra fen fuoI cua mof cong fy, xIn goI cho Phong
KIem Saf Mau ;ch |effer usIness ureau) hoac Phong Chuong
Iy cua fIeu bang quy v;.
Gbt cbu ce ca n Je pba sa n, sat a p, ca tbu bo t.
N
eu quy v; chua fra mof mon no va co xe b; fhu hoI, nha b; saI ap,
hoac cong bo pha san, vIec nay se co anh huong Ion den kha nang
xIn fn dung moI cua quy v;. Cac fhong fIn ve saI ap hoac fhu hoI
se duoc ghI frong bao cao fn dung cua quy v; frong vong bay nam. VIec
pha san se duoc ghI frong bao cao fn dung cua quy v; foI 10 nam.
17
Credit Guide.Vietnamese_Final 4/16/00 11:54 AM Page 18
Neu quy v; roI vao mof frong cac fnh frang nay va muon xIn vay mof
mon no moI, co nhIeu cach quy v; co fhe Iam. Truoc fIen, quy v; co fhe
vIef fhu cho chu no moI de gIaI fhch faI sao su kIen do da xay ra. Th
du, v quy v; b; benh nang, moI Iy d;, hoac vua moI b; maf vIec.
Mof de ngh; khac Ia quy v; nen doI mof vaI nam fruoc khI xIn vay mon
no moI. Khoang fhoI gIan quy v; phaI doI se fuy fhuoc vao cac dIeu Ie
cua chu no va so no ma quy v; Iam don xIn vay. Trong suof fhoI gIan do,
hay co gang gIam bof no va fra cac hoa don cho dung han. KhI quy v;
xIn vay fro IaI, nen cho chu no bIef ro cac buoc quy v; da Iam de fu caI
fhIen fn dung.
18
Credit Guide.Vietnamese_Final 4/5/00 6:05 AM Page 19
La m sao to t co tbe ta o mo t qua trnb tin Ju ng ne u bte n
nay to t kbo ng co :
6
o fhe quy v; muon fra fIen maf cho faf ca moI fhu mnh mua. Co
fhe quy v; chua fung vay no bao gIo Hoac co fhe quy v; vua moI Iy
d; nen khong dung fen fn dung nao ca. Neu khong mac no, quy v;
nen sung suong ve dIeu do.
Tuy nhIen, neu quy v; chua bao gIo fra mof mon no nao hoac chua fung
dung fhe fn dung, co fhe quy v; khong co mof qua frnh fn dung. Ieu
nay se Ia mof fro ngaI khI quy v; san sang de mua mof can nha va xIn
vay no fhe chap mua nha. Chu no fhe chap muon coI ho so de bIef kha
nang fra no va quan fr; fn dung cua quy v; nhu fhe nao.
Neu khong co fhe fn dung hoac cac mon no, quy v; van co fhe
fao mof qua frnh fn dung. Quy v; co fhe fao ban bao cao cua
chnh mnh de chu no fhay Ia quy v; da fra fIen nha, fIen
dIen fhoaI, bao hIem xe, y fe, va cac hoa don ve dIen nuoc
dung han moI fhang. VIec nay duoc goI Ia qua frnh fn
dung khong fheo fruyen fhong.
Sau day Ia cac de ngh; de Iap mof qua frnh fn dung khong
fheo fruyen fhong:
CIu ban sao cac hoa don ma quy v; da fra, gom co fIen nha, dIen
fhoaI, dIen, fruyen hnh qua day cap, ga, va bao hIem.
CIu ban sao cua cac chI phIeu da fhanh foan cho cac hoa don.
Yeu cau chu nha, cong fy dIen fhoaI, va cong fy ga vIef cho quy v; fhu
gIoI fhIeu. Yeu cau ho ghI ro Ia quy v; da Ia khach hang frong bao Iau
va quy v; da fra hoa don deu dan hang fhang nhu fhe nao.
19
5
Credit Guide.Vietnamese_Final 4/4/00 3:16 PM Page 20
Cho chu no coI cac hoa don, cac Ian fra, va fhu de chung fo Ia quy v;
fra hoa don dung han moI fhang. Mof ho so cho fhay quy v; da fra
fIen deu dan f nhaf Ia haI nam Ia dIeu Iy fuong.
Tuy vIec Iam dung fhe fn dung co fhe khIen nguoI fa Iam vao
fnh frang mac no, nhung chI dung mof hoac haI fhe fn dung
mof cach khon kheo IaI Ia mof cach raf fof de fhIef Iap mof
qua frnh fn dung. Hay yeu cau ngan hang cap cho quy v; mof
fhe fn dung "co bao chung", neu co fhe fu fruong muc fIef
kIem de gIup quy v; fhIef Iap fn dung. Truoc khI dung fhe fn
dung de mua do, quy v; nen doc ky va hIeu ro moI Ie ph phaI
fra va dIeu kIen fra fIen nhu fhe nao. Tra fIen no fhe fn dung
dung han moI fhang de chung fo quy v; co fhe quan Iy fof fn dung.
Quy v; cung co fhe fruc fIep xIn fhe fn dung voI mof cua hang fong
hop hay mof cong fy fn dung.
Neu quy v; da Iap gIa dnh, nen de fen cua quy v; va nguoI phoI ngau
fren cac fruong muc fn dung de ca haI cung co mof qua frnh fn
dung. Nen nho Ia quy v; phaI ch;u frach nhIem fra cac mon no vay
hay no fhe fn dung co fen cua ca haI nguoI.
Hay yeu cau mof co van d;ch vu fn dung fhIen nguyen hay co quan ho
fro gIa cu gIup do de Iap mof qua frnh fn dung khong fheo fruyen
fhong.
20
Credit Guide.Vietnamese_Final 4/5/00 6:13 AM Page 21
Mo t nga n sa cb co t be gt u p ca t t bt e n t i n Ju ng cu a t o t
nbu t be na o:
M
of phuong cach raf hay de kIem soaf fn dung Ia dung mof ngan
sach. Hay nghI mof ngan sach nhu Ia mof ke hoach chI fIeu.
an nay se gIup quy v; hoach d;nh chI fIeu ra sao va cach de
fIef kIem. Mof Iy do chnh dang khac ve co mof ngan sach Ia de gIup
quy v; chuan b; cho vIec mua nha. KhI quy v; dI vay no fhe chap, chu no
se hoI quy v; ve IoI fuc va nhung khoan chI. an ngan sach se cho bIef
ro fhong fIn nay.
e duoc huu hIeu, ngan sach phaI chnh xac. Th du, dung danh gIa qua
cao IoI fuc cua quy v;. Cung dung quen cac hoa don chI phaI fra vaI
fhang mof Ian nhu bao hIem xe. Trong fruong hop nay, hay IIef ke chI
ph frung bnh moI fhang. Th du quy v; phaI danh ra $75 moI fhang de
fra cho $450 fIen bao hIem xe moI sau fhang |$450 : 6 = $75). ung
bang chIef fnh noI frang 22 de IIef ke so IoI fuc va cac chI ph frong gIa
dnh cua quy v;.
Neu quy v; khong chac Ia mnh fIeu bao nhIeu cho cac fhu, hay ghI
faf ca moI fhu quy v; mua frong vaI fhang. Ieu nay se gIup quy v;
bIef ro Ia fIeu nhung g va co fhe caf gIam nhung khoan nao de fIef
kIem hay dung de fra cac hoa don khac.
21
6
Co bon buoc de Ihuc hen moI ngun such:
1. LeI ke lo Iuc.
2. LeI ke cuc khoun ch phI.
3. So sunh guu lo Iuc vu cuc ch phI.
4. uI uu Ien vu suu do de lo Iuc cuo hon muc ch phI.
Credit Guide.Vietnamese_Final 4/5/00 6:16 AM Page 22
22
CH PH
Ch PhI ve Nhu
TIen fhue nha/no cam co $
Thue daf/bao hIem $
ao fr nha cua $
TIen Ien $
TIen Ca/au $
TIen Nuoc $
Cac khoan chI khac $
Ch PhI Khong Phu Cho Nhu
Thuc pham $
Quan ao $
CIu fre/fIen hoc ph $
No mua xe $
ao hIem xe/fhue $
TIen xang/dau $
Sua xe $
Cham soc suc khoe khong
duoc bao hIem daI fho $
Tra fhe fn dung so 1 $
Tra fhe fn dung so 2 $
Tra fhe fn dung so 3 $
Tra cac mon no khac $
TIen cap duong con caI $
CIaI fr $
TIen Ien fhoaI $
Chuong frnh qua day cap $
a o hIe m |kho ng pha I cho xe) $
TIef kIem cho quy khan cap $
Cac khoan chI khac $
TONG CONG CH PH
MO THANG $
LO TC
Iuong fhuan |mang ve ) $
Iuong fhuan |mang ve) $
TIe n phu fro I sau khI fru fhue $
TIe n huu bo ng, An SInh Xa Ho I $
Thu nhap do dau fu $
TIen cap duong con caI $
IoI fuc khac $
TONG CONG LO TC
THAN MO THANG $
TONG CONG CH PH
MO THANG $
LO TC TR CH PH
|Tong Cong IoI Tuc Thuan
MoI Thang Tru ChI Ph)$ $
Ba ng cbt e t t i nb nga n sa cb gt a J nb ba ng t ba ng
Credit Guide.Vietnamese_Final 4/4/00 3:16 PM Page 23
23
Ca t gt a m cbt pbi ca gt a t a ng / o t t u c.
8
au day Ia vaI y kIen ve caf gIam chI ph:
ChI mua nhung g fhuc su can, khong mua nhung g quy v; muon.
IIef ke danh sach cac mon can mua fruoc khI dI mua fhuc pham va
chI mua nhung g da ghI. Tra bang fIen maf, khong dung fhe fn
dung. Nen dung cac phIeu gIam gIa.
An o nha. em fheo do an frua dI Iam.
Tm mua nhung mon ban ha gIa va fraI mua. So sanh gIa ca.
I xe chung hay dung phuong fIen dI chuyen cong cong.
Mua xe cu fhay v xe moI phaI fra nhIeu fIen moI fhang.
Mua do faI cac fIem ban do cu, cac ga ra ban do cu |garage saIe),
hay cho froI.
Nen fam ngung cac d;ch vu khong fhuc su can fhIef, nhu TV qua day
cap, dIen fhoaI cam fay, hay may bao fm.
Tranh cac fIem doI chI phIeu ra fIen maf, vay fIen cua fIem cam do,
va cac fIem cho fhue voI dIeu kIen mua. Quy v; co fhe fon raf nhIeu Ie
ph va fra fIen IoI cao.
VaI y kIen de gIa fang IoI fuc Ia:
KIem fhem mof vIec Iam ban fhoI gIan.
Iam fhem gIo phu froI frong cong vIec hIen faI.
an nhung mon quy v; fu Iam hay khong con can nua o
cho froI va ga ra ban do cu |garage saIe).
Credit Guide.Vietnamese_Final 4/4/00 3:16 PM Page 24
24
Ta t sao truong mu c cbt pbte u ca tte t kte m /a t quan tro ng:
T
ruong muc chI phIeu raf quan frong. Neu quy v; fra hoa don bang
fIen maf, fhaf kho ma cung cap cho chu no ho so ghI IaI cach quan
Iy fIen bac cua quy v;. Co mof fruong muc chI phIeu gIup quy v; gIaI
quyef van de nay.
KhI quy v; co mof fruong muc chI phIeu faI mof ngan hang hay nghIep
doan fn dung, quy v; co fhe dung cac ban bao cao hang fhang va cac chI
phIeu da fra de cho chu no fhay Ia quy v; fhanh foan dang hoang cac
hoa don. NgoaI ra, co mof fruong muc chI phIeu fhuong fh f fon hon Ia
mua phIeu chuyen fIen de fra cac hoa don hay doI chI phIeu Iuong faI
mof fIem doI chI phIeu Iay fIen maf.
Neu quy v; chua co fruong muc chI phIeu, nen mo mof fruong muc nay
ngay. CoI cho vaI ngan hang hay nghIep doan fn dung de bIef gIa cac
d;ch vu ho cung cap. Chon ngan hang hoac nghIep doan fn dung nao
dem IoI nhIeu nhaf va fIen nhaf cho quy v;.
Truong muc fIef kIem cung quan frong khong kem. Mof frong nhung
cach fof nhaf de caI fhIen foan bo fuong IaI faI chanh de fIef kIem fIen
moI fhang, du chI Ia mof mon fIen nho. Sau day Ia mof vaI y kIen de baf
dau fIef kIem:
1. KhI Ianh Iuong, hay fu fra cho quy v; fruoc bang cach frch ra
mof khoan fIen nhaf d;nh |$10, $25, $50) va bo vao mof fruong
muc fIef kIem fruoc khI quy v; fhanh foan cac hoa don khac.
Tof hon Ia de cong fy fu dong frch ra moI ky Iuong va bo
vao fruong muc fIef kIemcua quy v;.
7
Credit Guide.Vietnamese_Final 4/5/00 6:18 AM Page 25
2. KhI quy v; da fra duf mof hoa don, cu fIep fuc "fra" so fIen do - nhung
bo vao fruong muc fIef kIem cua quy v;.
3. Mof cach fIef kIem de dang khac: MoI ngay bo $1 vao frong mof caI
hu. RoI bo fhem fIen Ie vao. CuoI fhang, quy v; se co khoang $50. MoI
fhang, dem fIen do bo vao fruong muc fIef kIem cua quy v;. ToI cuoI
nam, quy v; se co hon $600!
Ca c /u a cbo n Je Ja u tu.
Ngun hung vu nghep doun IIn dung. Quy v; co fhe bo fIen fIef kIem
vao mof fruong muc o ngan hang hoac nghIep doan fn dung. Ngan hang
va nghIep doan fn dung fra quy v; fIen fhem, fIen do goI Ia fIen IoI cho
vIec dung fIen fIef kIem cua quy v; goI faI co so cua
ho. IoI dIem fuyef voI frong vIec fIef kIem Ia so
fIen do se gIa fang fheo fhoI gIan v co IoI. Quy v;
de fIef kIem cang Iau, so fIen cua quy v; cang gIa
fang. NgoaI ra, cac fruong muc fIef kIem deu duoc
chnh phu IIen bang bao dam nen do Ia mof dau fu
an foan. Nen do coI cho nao fra IaI suaf cao nhaf,
va co phaI gIu mof so fon khoan foI fhIeu frong
fruong muc de franh fra so ph d;ch vu khong.
Quy ho Iuong. KhI quy v; dau fu vao mof quy ho
fuong,cong fy quy ho fuong dung fIen cua quy v; de mua co phan chung
khoan va fraI phIeu cua cac cong fy khac nhau. TaI Hoa Ky, dau fu
chung khoan, fheo fhoI gIan duoc IoI nhIeu hon Ia de fIef kIem o ngan
hang. Tuy nhIen, dau fu chung khoan cung co raf nhIeu may ruI. Neu fh;
fruong chung khoan fam fhoI xuong doc, fr; gIa cua quy ho fuong cung co
fhe xuong fheo. Khong gIong nhu fruong muc fIef kIem faI ngan hang,
quy ho fuong khong duoc chnh phu IIen bang bao dam.
25
Credit Guide.Vietnamese_Final 4/4/00 4:01 PM Page 26
Cuc Truong Muc PhuI Tren Cu Nhun (DAs). Quy v; se Iam g neu
bIef duoc rang cu moI do Ia fIef kIem, co nguoI se bo fhem cho quy v;
vao fruong muc fIef kIem7 Co Ie quy v; se chup ngay Iay y kIen nay!
Mof chuong frnh nhu vay duoc goI Ia Truong Muc Phaf TrIen
Ca Nhan |IA). Quy v; co fhe dung fIen fIef kIem frong mof
fruong muc IA de mua nha, fra hoc ph, hoac de mo mof co so
kInh doanh nho. Nhu mof phan cua chuong frnh, quy v; cung
duoc gIup do ve quan Iy va fao cac kha nang faI chanh khac.
Truong muc IAs do cac nguoI bao fro faI fro. Mof so nhung
nguoI bao fro fruong muc IA Ia cac fo chuc fu nhan, baf vu IoI.
Mof so khac duoc chnh phu daI fho. KhI quy v; fham gIa vao
mof fruong muc IA, so fIen fIef kIem cua quy v; se duoc nguoI
bao fro fruong muc IA doI cho. Thuong fh cu moI do Ia quy v;
fIef kIem, nguoI bao fro se cho fhem f nhaf Ia $1 co khI cho den $4
hoac hon - vao fruong muc fIef kIem IA cua quy v;.
Truong muc IAs fhuong duoc danh cho nguoI co IoI fuc fhap, nhung
khong phaI noI nao cung co. Muon bIef fhem ve fruong muc IAs faI
khu quy v; o, xIn goI cho CorporafIon for nferprIse eveIopmenf faI so
202-408-9788, hoac vIeng mang IuoI dIen foan cua IA faI
vvv.Idanefvork.org. Quy v; cung co fhe hoI ngan hang hay nghIep doan
fn dung, nha fho hoac fo chuc fon gIao, co quan gIa cu d;a phuong, van
phong phuc IoI quan, hoac cac nhom phaf frIen cong dong.
26
Credit Guide.Vietnamese_Final 4/5/00 6:21 AM Page 27
te u ke tte p /a g:
k
Ien fhuc Ia suc manh. ay gIo quy v; da bIef duoc nhIeu dIeu co
fhe fu Iam de duy fr va caI fhIen fn dung. Mof so buoc quy v; doc
o day se fhuc hIen duoc de dang va nhanh chong. Cac buoc khac co
fhe phaI maf vaI fhang, hay co khI phaI maf den vaI nam de fhuc hIen.
Nhung moI buoc quy v; fhuc hIen duoc se dua quy v; fIen mau hon foI
gIac mo so huu mof can nha.
Chung fa hay duyef qua nhung buoc do:
1. XIn ban bao cao fn dung de fm hIeu co fn dung fof hay khong, hoac
quy v; co can Iam fheo cac buoc de caI fhIen fn dung khong.
2. Sua saI cac Iam Ian fhay fren bao cao fn dung cua quy v;.
3. Tra cac mon no dung han moI fhang.
4. Nam quyen dIeu khIen fn dung cua quy v; bang cach gIam bof no,
dung fhe fn dung mof cach khon ngoan, va chI xIn fn dung khI fhuc
su can fhIef. CoI cho chu no hoac IIen Iac voI mof fo chuc co van fn
dung baf vu IoI neu quy v; can su gIup do.
5. Tao mof qua frnh fn dung khong fheo fruyen fhong neu quy v;
chua bao gIo vay no hay dung fhe fn dung.
6. ung ngan sach, fruong muc chI phIeu, va fruong muc fIef kIem de
quan Iy fIen bac.
VIec daf duoc gIac mo so huu mof can
nha co fhe khong de, nhung raf xung
dang. Chung foI hy vong fhong fIn
frong cuon chI nam nay se gIup ch
quy v; nam quyen dIeu khIen fn
dung va fheo duoI cac muc dch cua
mnh.
27
8
Credit Guide.Vietnamese_Final 4/4/00 8:24 PM Page 28
Muo n bte t tbe m cbt tte t ce lannte Mae lounJatton.
h
eu quy v; muon bIef fhem chI fIef ve cach fhuc mua mof can nha,
IannIe Mae IoundafIon co nhung cuon chI nam mIen ph de quy
v; daf xIn. Cac cuon chI nam duoc IIef ke duoI day. Quy v; co fhe
coI fhem cac fhong fIn fren mang IuoI dIen foan cua IannIe Mae
IoundafIon faI: vvv.fannIemaefoundafIon.org.
Quyen 8o Huu Mot Can Nba Mo Rong Cua on Cbo Quy Vi
|OpenIng fhe oor fo a Home of Your Ovn) Cuon chI nam de doc
nay gIaI fhch ve fIen frnh mua nha, bao gom cac fhong fIn ve
faI bang fIeng Anh, Trung Hoa, aI Han, VIef Nam, fIeng Nga,
HaIfIan-CreoIe, a Ian, hay o ao Nha, xIn goI so
1-800-688-HOM |4663). e nhan cuon chI nam mIen ph
bang fIeng Tay an Nha, xIn goI so 1-800-782-2729.
Lua Cbon Mon No Tbe Cbap Tbicb Hop Vot Quy Vi |ChoosIng fhe
Morfgage Thafs RIghf for You). Cuon chI nam nay gIup quy v; hIeu
nhIeu ve vIec khao gIa de kIem mof mon no fhe chap fhch hop.
e nhan cuon chI nam mIen ph nay bang fIeng Anh, xIn goI so
1-800-688-HOM |4663). e nhan cuon chI nam mIen ph bang
fIeng Tay an Nha, xIn goI 1-800-782-2729.
28
Credit Guide.Vietnamese_Final 4/4/00 9:28 PM Page 29
Btet ca Hteu Tin Dung cua Quy Vi duoc IannIe Mae IoundafIon va
Quy TaI Tro CIao uc Quoc CIa |NafIonaI ndovmenf for IInancIaI
ducafIon) soan fhao.
IannIe Mae IoundafIon fhay doI cac cong dong qua su hop fac va sang
kIen caI fIen de phuc hoI cac d;a phuong va fao hoan canh fhuan fIen
cho quyen so huu va gIa cu fren khap nuoc My.
NafIonaI ndovmenf for IInancIaI ducafIon |NI) Ia mof fo chuc doc
Iap, baf vu IoI chu frong vao vIec gIao duc nhung nguoI My ve van de faI
chanh ca nhan va gIup ho co kha nang de quyef d;nh ro rang va sang
suof hau daf duoc cac muc fIeu faI chanh.NafIonaI ndovmenf for
IInancIaI ducafIon |NI), va huy hIeu NI Ia dau hIeu frnh foa
IIen bang cho cac d;ch vu cua NafIonaI ndovmenf for IInancIaI
ducafIon. Muon bIef fhem chI fIef ve NafIonaI ndovmenf for
IInancIaI ducafIon, .xIn vIeng vvv.nefe.org.
Credit Guide.Vietnamese_Final 4/4/00 3:16 PM Page 30
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