{"id":559060,"date":"2026-10-29T16:00:00","date_gmt":"2026-10-29T23:00:00","guid":{"rendered":"https:\/\/redim.ca\/gia-dinh-nhap-cu-tai-chinh-no-bat-dong-san-canada\/"},"modified":"2026-10-30T07:15:53","modified_gmt":"2026-10-30T14:15:53","slug":"gia-dinh-nhap-cu-tai-chinh-no-bat-dong-san-canada","status":"publish","type":"post","link":"https:\/\/redim.ca\/vi\/gia-dinh-nhap-cu-tai-chinh-no-bat-dong-san-canada\/","title":{"rendered":"Gi\u00e0u B\u1ea5t \u0110\u1ed9ng S\u1ea3n Nh\u01b0ng Thi\u1ebfu Ti\u1ec1n M\u1eb7t: V\u00ec Sao Gia \u0110\u00ecnh Nh\u1eadp C\u01b0 G\u00e1nh Kho\u1ea3n N\u1ee3 Cao H\u01a1n 114.200 \u0110\u00f4 La So V\u1edbi Ng\u01b0\u1eddi Sinh Ra T\u1ea1i Canada"},"content":{"rendered":"<p>C\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m t\u1ea1i Canada g\u00e1nh t\u1ed5ng m\u1ee9c n\u1ee3 trung b\u00ecnh l\u00e0 <strong>287.300 \u0111\u00f4 la<\/strong> v\u00e0o n\u0103m 2023 (t\u00ednh theo gi\u00e1 tr\u1ecb \u0111\u1ed3ng \u0111\u00f4 la c\u1ed1 \u0111\u1ecbnh n\u0103m 2023), cao h\u01a1n <strong>114.200 \u0111\u00f4 la<\/strong> so v\u1edbi m\u1ee9c n\u1ee3 <strong>173.100 \u0111\u00f4 la<\/strong> c\u1ee7a c\u00e1c gia \u0111\u00ecnh t\u01b0\u01a1ng \u0111\u01b0\u01a1ng sinh ra t\u1ea1i Canada, theo m\u1ed9t <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/pub\/36-28-0001\/2026010\/article\/00001-eng.htm\" target=\"_blank\" rel=\"noopener\">nghi\u00ean c\u1ee9u c\u1ee7a Statistics Canada c\u00f4ng b\u1ed1 ng\u00e0y 28 th\u00e1ng 10 n\u0103m 2026<\/a> tr\u00ean t\u1ea1p ch\u00ed <em>Economic and Social Reports<\/em> (T\u1eadp 6, s\u1ed1 10). \u0110\u1ed1i v\u1edbi c\u00e1c gia \u0111\u00ecnh tr\u1ebb c\u00f3 ng\u01b0\u1eddi t\u1ea1o thu nh\u1eadp ch\u00ednh trong \u0111\u1ed9 tu\u1ed5i t\u1eeb 25 \u0111\u1ebfn 44, nh\u1eefng ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 trong v\u00f2ng 10 n\u0103m qua c\u00f3 m\u1ee9c n\u1ee3 trung b\u00ecnh l\u00e0 <strong>215.700 \u0111\u00f4 la<\/strong>, t\u0103ng t\u1eeb m\u1ee9c <strong>177.800 \u0111\u00f4 la<\/strong> n\u0103m 2019 v\u00e0 cao h\u01a1n m\u1ee9c trung b\u00ecnh <strong>189.300 \u0111\u00f4 la<\/strong> c\u1ee7a c\u00e1c gia \u0111\u00ecnh \u0111\u1ed3ng trang l\u1ee9a sinh ra t\u1ea1i Canada.<\/p>\n<p>\u0110\u1eb1ng sau nh\u1eefng con s\u1ed1 d\u01b0 n\u1ee3 n\u1ed5i b\u1eadt \u0111\u00f3 l\u00e0 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t t\u00e0i ch\u00ednh r\u00f5 r\u1ec7t. C\u00e1c h\u1ed9 gia \u0111\u00ecnh nh\u1eadp c\u01b0 kh\u00f4ng t\u00edch l\u0169y nhi\u1ec1u n\u1ee3 ti\u00eau d\u00f9ng qua th\u1ebb t\u00edn d\u1ee5ng, c\u00e1c kho\u1ea3n vay n\u00f3ng (payday loan) hay h\u00f3a \u0111\u01a1n ch\u01b0a thanh to\u00e1n. Thay v\u00e0o \u0111\u00f3, c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p mua nh\u00e0 (mortgage) chi\u1ebfm t\u1edbi <strong>89,0%<\/strong> t\u1ed5ng n\u1ee3 c\u1ee7a ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0, khi\u1ebfn nhi\u1ec1u ch\u1ee7 nh\u00e0 m\u1edbi \u0111\u1ebfn s\u1edf h\u1eefu gi\u00e1 tr\u1ecb v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u1edbn nh\u01b0ng l\u1ea1i c\u00f3 r\u1ea5t \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 kho\u1ea3n ti\u1ebft ki\u1ec7m t\u00e0i ch\u00ednh thanh kho\u1ea3n ngo\u00e0i ng\u00f4i nh\u00e0 c\u1ee7a h\u1ecd.<\/p>\n<h2>Kho\u1ea3n Vay Th\u1ebf Ch\u1ea5p B\u1ea5t \u0110\u1ed9ng S\u1ea3n L\u00fd Gi\u1ea3i G\u1ea7n Nh\u01b0 To\u00e0n B\u1ed9 Kho\u1ea3ng C\u00e1ch V\u1ec1 N\u1ee3<\/h2>\n<p>D\u1ef1a tr\u00ean c\u00e1c k\u1ef3 kh\u1ea3o s\u00e1t n\u0103m 2016, 2019 v\u00e0 2023 c\u1ee7a Kh\u1ea3o s\u00e1t An ninh T\u00e0i ch\u00ednh (Survey of Financial Security &#8211; SFS), Statistics Canada \u0111\u00e3 so s\u00e1nh nh\u1eefng ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 (th\u01b0\u1eddng tr\u00fa nh\u00e2n d\u01b0\u1edbi 10 n\u0103m, ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp ch\u00ednh t\u1eeb 25 \u0111\u1ebfn 44 tu\u1ed5i), ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m (t\u1eeb 10 n\u0103m tr\u1edf l\u00ean t\u1ea1i Canada, t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i) v\u00e0 ng\u01b0\u1eddi nh\u1eadp c\u01b0 cao tu\u1ed5i (t\u1eeb 65 tu\u1ed5i tr\u1edf l\u00ean) v\u1edbi c\u00e1c gia \u0111\u00ecnh sinh ra t\u1ea1i Canada trong c\u00f9ng nh\u00f3m tu\u1ed5i.<\/p>\n<p>\u1ede t\u1ea5t c\u1ea3 c\u00e1c nh\u00f3m, kho\u1ea3n vay th\u1ebf ch\u1ea5p cho n\u01a1i \u1edf ch\u00ednh v\u00e0 c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00e1c chi\u1ebfm t\u1ef7 tr\u1ecdng n\u1ee3 \u00e1p \u0111\u1ea3o:<\/p>\n<ul>\n<li><strong>Gia \u0111\u00ecnh m\u1edbi nh\u1eadp c\u01b0 (t\u1eeb 25 \u0111\u1ebfn 44 tu\u1ed5i):<\/strong> Kho\u1ea3n vay th\u1ebf ch\u1ea5p chi\u1ebfm <strong>89,0%<\/strong> t\u1ed5ng n\u1ee3 v\u00e0o n\u0103m 2023, ph\u1ea3n \u00e1nh vi\u1ec7c tham gia v\u00e0o c\u00e1c th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf \u0111\u00f4 th\u1ecb \u0111\u1eaft \u0111\u1ecf v\u00e0o giai \u0111o\u1ea1n cu\u1ed1i c\u1ee7a chu k\u1ef3 t\u0103ng gi\u00e1 2016-2023.<\/li>\n<li><strong>Gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m (t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i):<\/strong> D\u01b0 n\u1ee3 vay th\u1ebf ch\u1ea5p trung b\u00ecnh \u0111\u1ea1t <strong>247.600 \u0111\u00f4 la<\/strong>, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng <strong>86,2%<\/strong> t\u1ed5ng n\u1ee3, so v\u1edbi <strong>142.000 \u0111\u00f4 la<\/strong> (<strong>82,1%<\/strong>) c\u1ee7a c\u00e1c gia \u0111\u00ecnh sinh ra t\u1ea1i Canada trong c\u00f9ng nh\u00f3m tu\u1ed5i.<\/li>\n<li><strong>Gia \u0111\u00ecnh ng\u01b0\u1eddi nh\u1eadp c\u01b0 cao tu\u1ed5i (t\u1eeb 65 tu\u1ed5i tr\u1edf l\u00ean):<\/strong> T\u1ed5ng n\u1ee3 trung b\u00ecnh l\u00e0 <strong>51.300 \u0111\u00f4 la<\/strong> so v\u1edbi <strong>36.800 \u0111\u00f4 la<\/strong> c\u1ee7a ng\u01b0\u1eddi cao tu\u1ed5i sinh ra t\u1ea1i Canada, trong \u0111\u00f3 n\u1ee3 vay th\u1ebf ch\u1ea5p chi\u1ebfm <strong>73,1%<\/strong> n\u1ee3 c\u1ee7a ng\u01b0\u1eddi nh\u1eadp c\u01b0 cao tu\u1ed5i so v\u1edbi <strong>67,3%<\/strong> c\u1ee7a ng\u01b0\u1eddi cao tu\u1ed5i sinh ra t\u1ea1i Canada.<\/li>\n<\/ul>\n<p>Khi Statistics Canada lo\u1ea1i b\u1ecf c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p v\u00e0 gi\u00e1 tr\u1ecb b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u1ecfi b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh gia \u0111\u00ecnh, kho\u1ea3ng c\u00e1ch n\u1ee3 gi\u1eefa c\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 v\u00e0 ng\u01b0\u1eddi sinh ra t\u1ea1i Canada ho\u00e0n to\u00e0n bi\u1ebfn m\u1ea5t. T\u1ef7 l\u1ec7 n\u1ee3 phi nh\u00e0 \u1edf tr\u00ean thu nh\u1eadp (DTI) \u1edf m\u1ee9c <strong>0,26<\/strong> \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 t\u1eeb 25 \u0111\u1ebfn 44 tu\u1ed5i (so v\u1edbi <strong>0,32<\/strong> c\u1ee7a ng\u01b0\u1eddi sinh ra t\u1ea1i Canada) v\u00e0 <strong>0,38<\/strong> \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i (so v\u1edbi <strong>0,31<\/strong> c\u1ee7a ng\u01b0\u1eddi sinh ra t\u1ea1i Canada), c\u1ea3 hai m\u1ee9c ch\u00eanh l\u1ec7ch n\u00e0y \u0111\u1ec1u kh\u00f4ng c\u00f3 \u00fd ngh\u0129a th\u1ed1ng k\u00ea. T\u1ef7 l\u1ec7 n\u1ee3 phi nh\u00e0 \u1edf tr\u00ean t\u00e0i s\u1ea3n (DTA) dao \u0111\u1ed9ng trong kho\u1ea3ng <strong>0,07 \u0111\u1ebfn 0,08<\/strong> \u1edf c\u1ea3 hai nh\u00f3m.<\/p>\n<table class=\"red-post-table\">\n<tbody>\n<tr>\n<td style=\"text-align: left\"><strong>Ch\u1ec9 s\u1ed1 B\u1ea3ng c\u00e2n \u0111\u1ed1i K\u1ebf to\u00e1n n\u0103m 2023<\/strong><\/td>\n<td><strong>Ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 (25-44)<\/strong><\/td>\n<td><strong>Sinh ra t\u1ea1i Canada (25-44)<\/strong><\/td>\n<td><strong>Ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m (35-64)<\/strong><\/td>\n<td><strong>Sinh ra t\u1ea1i Canada (35-64)<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>T\u1ed5ng n\u1ee3 gia \u0111\u00ecnh trung b\u00ecnh<\/strong><\/td>\n<td>$215.700<\/td>\n<td>$189.300<\/td>\n<td>$287.300<\/td>\n<td>$173.100<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>T\u1ef7 tr\u1ecdng vay th\u1ebf ch\u1ea5p tr\u00ean t\u1ed5ng n\u1ee3<\/strong><\/td>\n<td>89,0%<\/td>\n<td>85,4%<\/td>\n<td>86,2% ($247.600)<\/td>\n<td>82,1% ($142.000)<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>T\u1ef7 l\u1ec7 t\u1ed5ng n\u1ee3 tr\u00ean thu nh\u1eadp (DTI)<\/strong><\/td>\n<td>2,31<\/td>\n<td>2,00<\/td>\n<td>2,71<\/td>\n<td>1,73<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>DTI phi nh\u00e0 \u1edf (lo\u1ea1i tr\u1eeb n\u1ee3 th\u1ebf ch\u1ea5p)<\/strong><\/td>\n<td>0,26<\/td>\n<td>0,32<\/td>\n<td>0,38<\/td>\n<td>0,31<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>T\u1ef7 l\u1ec7 t\u1ed5ng n\u1ee3 tr\u00ean t\u00e0i s\u1ea3n (DTA)<\/strong><\/td>\n<td>0,30<\/td>\n<td>0,26<\/td>\n<td>0,19<\/td>\n<td>0,13<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>Thanh to\u00e1n h\u1ebft s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng m\u1ed7i th\u00e1ng<\/strong><\/td>\n<td>58,6%<\/td>\n<td>55,0%<\/td>\n<td>62,2%<\/td>\n<td>59,4%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>S\u1eed d\u1ee5ng kho\u1ea3n vay n\u00f3ng trong 3 n\u0103m qua<\/strong><\/td>\n<td>2,4%<\/td>\n<td>3,9%<\/td>\n<td>1,7%<\/td>\n<td>2,5%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left\"><strong>Kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh phi nh\u00e0 \u1edf (v\u1ed1n \u0111\u1ec7m $0)<\/strong><\/td>\n<td>16,1%<\/td>\n<td>12,7%<\/td>\n<td>16,2%<\/td>\n<td>11,0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>K\u1ef7 Lu\u1eadt D\u00f9ng Th\u1ebb T\u00edn D\u1ee5ng T\u1ed1t H\u01a1n D\u00f9 \u0110\u00f2n B\u1ea9y Nh\u00e0 \u1ede Cao H\u01a1n<\/h2>\n<p>Kh\u1ea3o s\u00e1t An ninh T\u00e0i ch\u00ednh c\u0169ng theo d\u00f5i vi\u1ec7c qu\u1ea3n l\u00fd t\u00edn d\u1ee5ng h\u00e0ng ng\u00e0y, b\u00e1c b\u1ecf nh\u1eefng \u0111\u1ecbnh ki\u1ebfn cho r\u1eb1ng t\u1ed5ng n\u1ee3 cao h\u01a1n \u0111\u1ed3ng ngh\u0129a v\u1edbi th\u00f3i quen tr\u1ea3 n\u1ee3 k\u00e9m h\u01a1n. \u1ede m\u1ecdi nh\u00f3m tu\u1ed5i, c\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 c\u00f3 xu h\u01b0\u1edbng thanh to\u00e1n to\u00e0n b\u1ed9 s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng m\u1ed7i th\u00e1ng cao h\u01a1n so v\u1edbi c\u00e1c gia \u0111\u00ecnh sinh ra t\u1ea1i Canada: <strong>58,6%<\/strong> so v\u1edbi <strong>55,0%<\/strong> \u1edf nh\u00f3m 25 \u0111\u1ebfn 44 tu\u1ed5i, <strong>62,2%<\/strong> so v\u1edbi <strong>59,4%<\/strong> \u1edf nh\u00f3m 35 \u0111\u1ebfn 64 tu\u1ed5i, v\u00e0 <strong>81,0%<\/strong> so v\u1edbi <strong>79,4%<\/strong> \u1edf nh\u00f3m ng\u01b0\u1eddi cao tu\u1ed5i t\u1eeb 65 tu\u1ed5i tr\u1edf l\u00ean.<\/p>\n<p>C\u00e1c gia \u0111\u00ecnh m\u1edbi nh\u1eadp c\u01b0 t\u1eeb 25 \u0111\u1ebfn 44 tu\u1ed5i ghi nh\u1eadn <strong>t\u1ef7 l\u1ec7 b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ebb t\u00edn d\u1ee5ng l\u00e0 0,0%<\/strong> trong c\u1ea3 n\u0103m 2019 v\u00e0 2023 (so v\u1edbi <strong>1,7%<\/strong> \u1edf c\u00e1c gia \u0111\u00ecnh sinh ra t\u1ea1i Canada) v\u00e0 \u00edt ph\u1ee5 thu\u1ed9c h\u01a1n v\u00e0o c\u00e1c kho\u1ea3n vay n\u00f3ng chi ph\u00ed cao (<strong>2,4%<\/strong> so v\u1edbi <strong>3,9%<\/strong>). C\u00e1c ch\u1ec9 s\u1ed1 v\u1ec1 kh\u00f3 kh\u0103n thanh to\u00e1n h\u00f3a \u0111\u01a1n nghi\u00eam tr\u1ecdng, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1eadm tr\u1ea3 ti\u1ec1n ti\u1ec7n \u00edch ho\u1eb7c tr\u1ec5 h\u1ea1n thanh to\u00e1n ti\u1ec1n thu\u00ea nh\u00e0 v\u00e0 ti\u1ec1n th\u1ebf ch\u1ea5p, v\u1eabn \u1edf m\u1ee9c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi c\u00e1c h\u1ed9 gia \u0111\u00ecnh sinh ra t\u1ea1i Canada v\u1ec1 m\u1eb7t th\u1ed1ng k\u00ea.<\/p>\n<h2>N\u01a1i T\u1eadp Trung R\u1ee7i Ro: C\u00e1c Th\u00e0nh Ph\u1ed1 L\u1edbn, Th\u1ecb Tr\u01b0\u1eddng Khu V\u1ef1c v\u00e0 Ng\u01b0\u1eddi T\u1ed1t Nghi\u1ec7p \u0110\u1ea1i H\u1ecdc<\/h2>\n<p>\u0110i\u1ec3m ti\u1ec1m \u1ea9n r\u1ee7i ro t\u00e0i ch\u00ednh n\u1eb1m \u1edf \u0111\u00f2n b\u1ea9y vay th\u1ebf ch\u1ea5p t\u00ednh theo t\u1ef7 l\u1ec7 thu nh\u1eadp. \u0110\u1ed1i v\u1edbi c\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i, t\u1ef7 l\u1ec7 DTI t\u1ed5ng th\u1ec3 \u0111\u00e3 t\u0103ng \u0111\u1ec1u t\u1eeb <strong>2,42 n\u0103m 2016<\/strong> l\u00ean <strong>2,50 n\u0103m 2019<\/strong> v\u00e0 <strong>2,71 n\u0103m 2023<\/strong>, cao h\u01a1n g\u1ea7n m\u1ed9t \u0111i\u1ec3m tr\u1ecdn v\u1eb9n so v\u1edbi m\u1ee9c <strong>1,73<\/strong> \u0111\u01b0\u1ee3c ghi nh\u1eadn \u1edf c\u00e1c gia \u0111\u00ecnh \u0111\u1ed3ng trang l\u1ee9a sinh ra t\u1ea1i Canada.<\/p>\n<p>Hai xu h\u01b0\u1edbng n\u1ed5i b\u1eadt v\u1ec1 \u0111\u1ecba l\u00fd v\u00e0 tr\u00ecnh \u0111\u1ed9 h\u1ecdc v\u1ea5n trong s\u1ed1 li\u1ec7u n\u0103m 2023 g\u1ed3m c\u00f3:<\/p>\n<ul>\n<li><strong>Montreal, Toronto v\u00e0 Vancouver (MTV) so v\u1edbi c\u00e1c \u0111\u00f4 th\u1ecb nh\u1ecf h\u01a1n:<\/strong> Ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i sinh s\u1ed1ng t\u1ea1i 3 khu v\u1ef1c \u0111\u00f4 th\u1ecb l\u1edbn nh\u1ea5t Canada g\u00e1nh m\u1ee9c DTI trung b\u00ecnh l\u00e0 <strong>3,13<\/strong>, so v\u1edbi <strong>2,01<\/strong> c\u1ee7a ng\u01b0\u1eddi sinh ra t\u1ea1i Canada s\u1ed1ng t\u1ea1i khu v\u1ef1c MTV. \u0110\u1ed3ng th\u1eddi, nh\u1eefng ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 t\u1eeb 25 \u0111\u1ebfn 44 tu\u1ed5i \u0111\u1ecbnh c\u01b0 b\u00ean ngo\u00e0i Montreal, Toronto v\u00e0 Vancouver ch\u1ee9ng ki\u1ebfn m\u1ee9c DTI t\u0103ng v\u1ecdt t\u1eeb <strong>1,86 n\u0103m 2016<\/strong> l\u00ean <strong>2,44 n\u0103m 2023<\/strong> khi ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn t\u00ecm ki\u1ebfm gi\u00e1 nh\u00e0 ph\u1ea3i ch\u0103ng h\u01a1n t\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 quy m\u00f4 v\u1eeba thu\u1ed9c Ontario, v\u00f9ng Prairies v\u00e0 v\u00f9ng Atlantic.<\/li>\n<li><strong>Ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp c\u00f3 b\u1eb1ng \u0111\u1ea1i h\u1ecdc:<\/strong> C\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m do ng\u01b0\u1eddi c\u00f3 b\u1eb1ng c\u1eed nh\u00e2n tr\u1edf l\u00ean l\u00e0m ch\u1ee7 h\u1ed9 ghi nh\u1eadn t\u1ef7 l\u1ec7 DTI trung b\u00ecnh l\u00e0 <strong>3,05<\/strong> v\u00e0o n\u0103m 2023, so v\u1edbi <strong>1,87<\/strong> c\u1ee7a ng\u01b0\u1eddi sinh ra t\u1ea1i Canada c\u00f3 c\u00f9ng tr\u00ecnh \u0111\u1ed9 \u0111\u1ea1i h\u1ecdc. K\u1ef3 v\u1ecdng thu nh\u1eadp d\u00e0i h\u1ea1n cao h\u01a1n gi\u00fap c\u00e1c gia \u0111\u00ecnh n\u00e0y \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay c\u00e1c kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u00f4 th\u1ecb l\u1edbn h\u01a1n, \u0111i\u1ec1u n\u00e0y l\u00e0m t\u0103ng m\u1ee9c \u0111\u1ed9 nh\u1ea1y c\u1ea3m khi \u0111\u1ebfn k\u1ef3 t\u00e1i t\u1ee5c l\u00e3i su\u1ea5t vay mua nh\u00e0.<\/li>\n<\/ul>\n<h2>R\u1ee7i Ro Thi\u1ebfu \u0110\u1ec7m Ti\u1ec1n M\u1eb7t Trong N\u1ec1n Kinh T\u1ebf Canada M\u00f9a Thu N\u0103m 2026<\/h2>\n<p>Ngay c\u1ea3 khi t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean t\u00e0i s\u1ea3n \u1edf m\u1ee9c v\u1eeba ph\u1ea3i l\u00e0 <strong>0,30<\/strong> \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0 v\u00e0 <strong>0,19<\/strong> \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng t\u1eadp trung trong m\u1ed9t c\u0103n nh\u00e0 k\u00e9m thanh kho\u1ea3n kh\u00f4ng th\u1ec3 chi tr\u1ea3 ti\u1ec1n sinh ho\u1ea1t hay b\u00f9 \u0111\u1eafp thu nh\u1eadp khi t\u1ea1m th\u1eddi m\u1ea5t vi\u1ec7c n\u1ebfu kh\u00f4ng vay m\u01b0\u1ee3n th\u00eam. Statistics Canada nh\u1eadn th\u1ea5y <strong>16,1%<\/strong> gia \u0111\u00ecnh m\u1edbi nh\u1eadp c\u01b0 (t\u0103ng l\u00ean <strong>20,4%<\/strong> \u1edf khu v\u1ef1c ngo\u00e0i Montreal, Toronto v\u00e0 Vancouver) v\u00e0 <strong>16,2%<\/strong> gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m <strong>ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh d\u1ef1 ph\u00f2ng ngo\u00e0i b\u1ea5t \u0111\u1ed9ng s\u1ea3n, l\u01b0\u01a1ng h\u01b0u v\u00e0 kinh doanh<\/strong> v\u00e0o n\u0103m 2023, so v\u1edbi m\u1ee9c <strong>12,7%<\/strong> v\u00e0 <strong>11,0%<\/strong> c\u1ee7a c\u00e1c gia \u0111\u00ecnh sinh ra t\u1ea1i Canada. Trong s\u1ed1 c\u00e1c gia \u0111\u00ecnh c\u00f3 tr\u00ecnh \u0111\u1ed9 \u0111\u1ea1i h\u1ecdc t\u1eeb 35 \u0111\u1ebfn 64 tu\u1ed5i, <strong>16,3%<\/strong> ng\u01b0\u1eddi nh\u1eadp c\u01b0 l\u00e2u n\u0103m kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh thanh kho\u1ea3n, g\u1ea7n g\u1ea5p \u0111\u00f4i t\u1ef7 l\u1ec7 <strong>8,4%<\/strong> c\u1ee7a c\u00e1c gia \u0111\u00ecnh c\u00f3 tr\u00ecnh \u0111\u1ed9 \u0111\u1ea1i h\u1ecdc sinh ra t\u1ea1i Canada.<\/p>\n<p>Kho\u1ea3n d\u1ef1 ph\u00f2ng ti\u1ec1n m\u1eb7t m\u1ecfng \u0111\u00f3 c\u00e0ng mang nhi\u1ec1u r\u1ee7i ro h\u01a1n khi \u0111\u1eb7t c\u1ea1nh <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/pub\/36-28-0001\/2026010\/article\/00004-eng.htm\" target=\"_blank\" rel=\"noopener\">b\u00e1o c\u00e1o \u0111\u00e1nh gi\u00e1 kinh t\u1ebf M\u00f9a thu n\u0103m 2026<\/a> c\u1ee7a Statistics Canada ph\u00e1t h\u00e0nh c\u00f9ng s\u1ed1 ng\u00e0y 28 th\u00e1ng 10. M\u1eb7c d\u00f9 t\u1ed5ng t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp kh\u1ea3 d\u1ee5ng c\u1ee7a h\u1ed9 gia \u0111\u00ecnh Canada \u0111\u00e3 h\u1ea1 nhi\u1ec7t xu\u1ed1ng m\u1ee9c <strong>176,4%<\/strong> trong qu\u00fd 2 n\u0103m 2026, th\u1ecb tr\u01b0\u1eddng vi\u1ec7c l\u00e0m to\u00e0n qu\u1ed1c \u0111\u00e3 s\u1ee5t gi\u1ea3m t\u1ed5ng c\u1ed9ng <strong>110.000 vi\u1ec7c l\u00e0m trong hai th\u00e1ng 8 v\u00e0 9 n\u0103m 2026<\/strong>, \u0111\u1ea9y t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p l\u00ean <strong>6,5%<\/strong>. Trong khi \u0111\u00f3, l\u1ea1m ph\u00e1t chi ph\u00ed ch\u1ed7 \u1edf ph\u00e2n h\u00f3a r\u00f5 r\u1ec7t: gi\u00e1 thu\u00ea nh\u00e0 t\u0103ng <strong>3,8% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc<\/strong> v\u00e0o th\u00e1ng 8 n\u0103m 2026, so v\u1edbi m\u1ee9c t\u0103ng <strong>0,6%<\/strong> c\u1ee7a nh\u00e0 thu\u1ed9c s\u1edf h\u1eefu.<\/p>\n<h2>L\u1eddi Khuy\u00ean Th\u1ef1c T\u1ebf Cho Ng\u01b0\u1eddi M\u1edbi \u0110\u1ebfn L\u00ean K\u1ebf Ho\u1ea1ch \u0110\u1ecbnh C\u01b0 v\u00e0 Mua Nh\u00e0<\/h2>\n<p>\u0110\u1ed1i v\u1edbi th\u01b0\u1eddng tr\u00fa nh\u00e2n, ng\u01b0\u1eddi c\u00f3 gi\u1ea5y ph\u00e9p lao \u0111\u1ed9ng (work permit) v\u00e0 c\u00e1c \u0111\u01b0\u01a1ng \u0111\u01a1n ti\u1ec1m n\u0103ng \u0111ang \u0111\u00e1nh gi\u00e1 chi ph\u00ed sinh ho\u1ea1t t\u1ea1i Canada, nh\u1eefng ph\u00e1t hi\u1ec7n t\u1eeb b\u00e1o c\u00e1o ng\u00e0y 28 th\u00e1ng 10 ch\u1ec9 ra ba nguy\u00ean t\u1eafc t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf:<\/p>\n<ul>\n<li><strong>T\u00e1ch bi\u1ec7t ch\u1ee9ng minh t\u00e0i ch\u00ednh \u0111\u1ecbnh c\u01b0 (settlement funds) v\u1edbi v\u1ed1n mua nh\u00e0:<\/strong> Vi\u1ec7c d\u1ed3n to\u00e0n b\u1ed9 ti\u1ec1n ti\u1ebft ki\u1ec7m thanh kho\u1ea3n v\u00e0o kho\u1ea3n thanh to\u00e1n ban \u0111\u1ea7u (down payment) s\u1ebd khi\u1ebfn c\u00e1c h\u1ed9 gia \u0111\u00ecnh m\u1edbi \u0111\u1ebfn r\u01a1i v\u00e0o t\u00ecnh th\u1ebf d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng n\u1ebfu qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u00f4ng vi\u1ec7c k\u00e9o d\u00e0i h\u01a1n d\u1ef1 ki\u1ebfn. Duy tr\u00ec kho\u1ea3n d\u1ef1 ph\u00f2ng ti\u1ec1n m\u1eb7t s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng t\u1eeb ba \u0111\u1ebfn s\u00e1u th\u00e1ng b\u00ean ngo\u00e0i v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1ebd gi\u1ea3m thi\u1ec3u s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng khi chuy\u1ec3n vi\u1ec7c ho\u1eb7c gia h\u1ea1n kho\u1ea3n vay th\u1ebf ch\u1ea5p.<\/li>\n<li><strong>So s\u00e1nh m\u1ee9c \u0111\u1ed9 \u0111\u00f2n b\u1ea9y nh\u00e0 \u1edf theo khu v\u1ef1c tr\u01b0\u1edbc khi chuy\u1ec3n n\u01a1i \u1edf:<\/strong> C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ec1 c\u1eed c\u1ea5p t\u1ec9nh t\u1ea1i nh\u1eefng khu v\u1ef1c c\u00f3 chi ph\u00ed th\u1ea5p h\u01a1n c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u1ef7 l\u1ec7 n\u1ee3 th\u1ebf ch\u1ea5p tr\u00ean thu nh\u1eadp so v\u1edbi Toronto ho\u1eb7c Vancouver. D\u1eabu v\u1eady, s\u1ed1 li\u1ec7u c\u1ee7a Statistics Canada \u1edf ngo\u00e0i ba th\u00e0nh ph\u1ed1 l\u1edbn (n\u01a1i 20,4% gia \u0111\u00ecnh m\u1edbi nh\u1eadp c\u01b0 c\u00f3 0 \u0111\u00f4 la t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh thanh kho\u1ea3n) kh\u1eb3ng \u0111\u1ecbnh ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 nh\u1ecf h\u01a1n v\u1eabn c\u1ea7n m\u1ed9t kho\u1ea3n d\u1ef1 ph\u00f2ng ti\u1ec1n m\u1eb7t chuy\u00ean bi\u1ec7t sau khi ho\u00e0n t\u1ea5t c\u00e1c chi ph\u00ed k\u1ebft th\u00fac giao d\u1ecbch (closing costs). C\u00e1c \u1ee9ng vi\u00ean \u0111ang c\u00e2n nh\u1eafc c\u00e1c l\u1ef1a ch\u1ecdn khu v\u1ef1c c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c di\u1ec7n Express Entry c\u1ea5p t\u1ec9nh c\u1ee7a <a href=\"https:\/\/redim.ca\/vi\/alberta\/express-entry\/\">Alberta<\/a>, <a href=\"https:\/\/redim.ca\/vi\/saskatchewan\/express-entry\/\">Saskatchewan<\/a> v\u00e0 <a href=\"https:\/\/redim.ca\/vi\/manitoba\/express-entry\/\">Manitoba<\/a> c\u00f9ng v\u1edbi ng\u00e2n s\u00e1ch nh\u00e0 \u1edf.<\/li>\n<li><strong>Chu\u1ea9n b\u1ecb gi\u1ea5y t\u1edd ch\u1ee9ng minh t\u00e0i s\u1ea3n thanh kho\u1ea3n r\u00f5 r\u00e0ng cho h\u1ed3 s\u01a1 di tr\u00fa \u0111ang x\u1eed l\u00fd:<\/strong> C\u00e1c \u1ee9ng vi\u00ean \u0111ang chu\u1ea9n b\u1ecb n\u1ed9p h\u1ed3 s\u01a1 Express Entry ho\u1eb7c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ec1 c\u1eed t\u1ec9nh bang (PNP) c\u00f3 y\u00eau c\u1ea7u ch\u1ee9ng minh t\u00e0i ch\u00ednh \u0111\u1ecbnh c\u01b0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00e1c kho\u1ea3n ti\u1ec1n theo y\u00eau c\u1ea7u kh\u00f4ng b\u1ecb v\u01b0\u1edbng b\u1eadn ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 c\u00f3 th\u1ec3 x\u00e1c minh \u0111\u01b0\u1ee3c, thay v\u00ec b\u1ecb kh\u00f3a ch\u1eb7t v\u00e0o gi\u00e1 tr\u1ecb b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng \u0111i vay.<\/li>\n<\/ul>\n<p>Ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn mu\u1ed1n t\u00ecm hi\u1ec3u s\u1ef1 li\u00ean k\u1ebft gi\u1eefa \u0111\u1ecba \u0111i\u1ec3m l\u00e0m vi\u1ec7c, gi\u1ea5y ph\u00e9p l\u00e0m vi\u1ec7c v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u1ee9ng minh t\u00e0i ch\u00ednh \u0111\u1ecbnh c\u01b0 v\u1edbi l\u1ed9 tr\u00ecnh th\u01b0\u1eddng tr\u00fa nh\u00e2n (PR) c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh hi\u1ec7n c\u00f3 qua <a href=\"https:\/\/redim.ca\/vi\/immigration-services\/\">d\u1ecbch v\u1ee5 di tr\u00fa c\u1ee7a RED Immigration Consulting<\/a> ho\u1eb7c \u0111\u1eb7t l\u1ecbch \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 qua <a href=\"https:\/\/redim.ca\/vi\/buking\/\">trang \u0111\u1eb7t l\u1ecbch t\u01b0 v\u1ea5n<\/a> c\u1ee7a ch\u00fang t\u00f4i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u1eef li\u1ec7u c\u1ee7a Statistics Canada c\u00f4ng b\u1ed1 ng\u00e0y 28\/10\/2026 cho th\u1ea5y c\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m n\u1ee3 trung b\u00ecnh 287.300 \u0111\u00f4 la so v\u1edbi 173.100 \u0111\u00f4 la c\u1ee7a c\u00e1c gia \u0111\u00ecnh b\u1ea3n x\u1ee9, ph\u1ea7n l\u1edbn do vay th\u1ebf ch\u1ea5p mua nh\u00e0, trong khi 16% kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh d\u1ef1 ph\u00f2ng ngo\u00e0i b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n","protected":false},"author":4,"featured_media":558982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"slim_seo":{"title":"Gi\u00e0u B\u1ea5t \u0110\u1ed9ng S\u1ea3n Nh\u01b0ng Thi\u1ebfu Ti\u1ec1n M\u1eb7t: V\u00ec Sao Gia \u0110\u00ecnh Nh\u1eadp C\u01b0 G\u00e1nh Kho\u1ea3n N\u1ee3 Cao H\u01a1n 114.200 \u0110\u00f4 La So V\u1edbi Ng\u01b0\u1eddi Sinh Ra T\u1ea1i Canada - RED Immigration Consulting","description":"D\u1eef li\u1ec7u c\u1ee7a Statistics Canada c\u00f4ng b\u1ed1 ng\u00e0y 28\/10\/2026 cho th\u1ea5y c\u00e1c gia \u0111\u00ecnh nh\u1eadp c\u01b0 l\u00e2u n\u0103m n\u1ee3 trung b\u00ecnh 287.300 \u0111\u00f4 la so v\u1edbi 173.100 \u0111\u00f4 la c\u1ee7a c\u00e1c gia \u0111\u00ecnh\u2026"},"_slim_seo_primary_term_category":0,"_slim_seo_primary_term_post_tag":0,"footnotes":""},"categories":[4201],"tags":[3379,5045,2194,5042,2203,3493,5043],"class_list":["post-559060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cuoc-song-canada","tag-chi-phi-sinh-hoat-tai-canada","tag-dich-vu-dinh-cu","tag-kinh-te","tag-nguoi-moi-den","tag-nha-o","tag-thue-nha","tag-thuong-tru-nhan"],"back_links":null,"_links":{"self":[{"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/posts\/559060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/comments?post=559060"}],"version-history":[{"count":1,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/posts\/559060\/revisions"}],"predecessor-version":[{"id":559062,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/posts\/559060\/revisions\/559062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/media\/558982"}],"wp:attachment":[{"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/media?parent=559060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/categories?post=559060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/redim.ca\/vi\/wp-json\/wp\/v2\/tags?post=559060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}