{"id":17949,"date":"2024-09-19T17:21:26","date_gmt":"2024-09-19T22:21:26","guid":{"rendered":"https:\/\/bolttech.io\/insight\/xu-huong-so-huu-nha-thai-do-duong-dai-co-y-nghia-gi-doi-voi-cac-hang-van-chuyen-pc\/"},"modified":"2024-09-19T17:21:28","modified_gmt":"2024-09-19T22:21:28","slug":"xu-huong-so-huu-nha-thai-do-duong-dai-co-y-nghia-gi-doi-voi-cac-hang-van-chuyen-pc","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/xu-huong-so-huu-nha-thai-do-duong-dai-co-y-nghia-gi-doi-voi-cac-hang-van-chuyen-pc\/","title":{"rendered":"Xu h\u01b0\u1edbng s\u1edf h\u1eefu nh\u00e0: Th\u00e1i \u0111\u1ed9 \u0111\u01b0\u01a1ng \u0111\u1ea1i c\u00f3 \u00fd ngh\u0129a g\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C"},"content":{"rendered":"\n

M\u1ed9t t\u1ea7m nh\u00ecn v\u1ec1 gia \u0111\u00ecnh M\u1ef9 \u0111i\u1ec3n h\u00ecnh v\u00e0i th\u1eadp k\u1ef7 tr\u01b0\u1edbc bao g\u1ed3m hai cha m\u1eb9, 2,3 \u0111\u1ee9a tr\u1ebb, m\u1ed9t v\u00e0 m\u1ed9t ng\u00f4i nh\u00e0 v\u1edbi v\u01b0\u1eddn hoa v\u00e0 h\u00e0ng r\u00e0o.<\/p>\n\n

Nh\u1edd s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 – gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 cho thu\u00ea t\u0103ng, thay \u0111\u1ed5i th\u00e1i \u0111\u1ed9 khi \u0111\u1ecbnh c\u01b0 v\u00e0 s\u1ef1 ho\u00e0i nghi v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu sau s\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf trong cu\u1ed9c suy tho\u00e1i n\u0103m 2008 – t\u1ea7m nh\u00ecn \u0111\u00f3 kh\u00f4ng c\u1ed9ng h\u01b0\u1edfng v\u1edbi gi\u1edbi tr\u1ebb ng\u00e0y nay.<\/p>\n\n

M\u1ed9t l\u00fd do l\u1edbn: Xu h\u01b0\u1edbng s\u1edf h\u1eefu nh\u00e0 \u0111ang thay \u0111\u1ed5i v\u00e0 mua nh\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t b\u01b0\u1edbc t\u1ef1 nhi\u00ean \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i nh\u01b0 nhi\u1ec1u th\u1eadp k\u1ef7 tr\u01b0\u1edbc.\nTr\u00ean th\u1ef1c t\u1ebf, Pew Research<\/a> \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng nhi\u1ec1u h\u1ed9 gia \u0111\u00ecnh M\u1ef9 \u0111ang thu\u00ea nh\u00e0 h\u01a1n b\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o trong n\u0103m th\u1eadp k\u1ef7 qua. <\/p>\n\n

Xu h\u01b0\u1edbng s\u1edf h\u1eefu nh\u00e0 \u1edf Hoa K\u1ef3 \u0111ang thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

N\u0103m 2016, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu nh\u00e0 gi\u1ea3m xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t trong 50 n\u0103m, v\u1edbi ch\u1ec9 63% ng\u01b0\u1eddi s\u1edf h\u1eefu nh\u00e0, theo d\u1eef li\u1ec7u t\u1eeb C\u1ee5c \u0111i\u1ec1u tra d\u00e2n s\u1ed1.\nCon s\u1ed1 n\u00e0y \u0111\u00e3 gi\u1ea3m so v\u1edbi m\u1ee9c \u0111\u1ec9nh 70% v\u00e0o n\u0103m 2005, m\u00e0 ch\u00fang ta bi\u1ebft b\u00e2y gi\u1edd ph\u1ea7n l\u1edbn l\u00e0 nh\u1edd v\u00e0o vi\u1ec7c cho vay d\u01b0\u1edbi chu\u1ea9n cu\u1ed1i c\u00f9ng \u0111\u00e3 g\u00f3p ph\u1ea7n v\u00e0o cu\u1ed9c suy tho\u00e1i n\u0103m 2008. <\/p>\n\n

T\u1ef7 l\u1ec7 s\u1edf h\u1eefu \u0111ang d\u1ea7n t\u0103ng t\u1eeb m\u1ee9c th\u1ea5p n\u0103m 2016, m\u1ed9t s\u1ef1 leo thang m\u00e0 nh\u00e0 kinh t\u1ebf h\u1ecdc Ralph McLaughlin<\/a> cho l\u00e0 do thi\u1ec7t h\u1ea1i c\u1ee7a s\u1ef1 s\u1ee5p \u0111\u1ed5 nh\u00e0 \u0111\u1ea5t b\u1eaft \u0111\u1ea7u \u0111\u1ea3o ng\u01b0\u1ee3c h\u01b0\u1edbng \u0111i c\u1ee7a n\u00f3.\nTuy nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i ng\u00e0y nay \u00edt c\u00f3 kh\u1ea3 n\u0103ng s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0 h\u01a1n cha m\u1eb9 c\u1ee7a h\u1ecd \u1edf c\u00f9ng \u0111\u1ed9 tu\u1ed5i, theo nghi\u00ean c\u1ee9u t\u1eeb Tamara Sims<\/a> v\u00e0 c\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Trung t\u00e2m Tu\u1ed5i th\u1ecd Stanford.\nT\u1ef7 l\u1ec7 nh\u1eefng ng\u01b0\u1eddi b\u00f9ng n\u1ed5 tr\u1ebb em s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0 \u1edf tu\u1ed5i 30 l\u00e0 49%.\n\u0110\u1ed1i v\u1edbi th\u1ebf h\u1ec7 millennials, con s\u1ed1 \u0111\u00f3 l\u00e0 36%. <\/p>\n\n

\"\"<\/figure>\n\n

T\u1ea1i sao b\u00e2y gi\u1edd \u00edt ng\u01b0\u1eddi s\u1edf h\u1eefu nh\u00e0 h\u01a1n?<\/h2>\n\n

L\u00fd do xu h\u01b0\u1edbng s\u1edf h\u1eefu nh\u00e0 \u0111\u00e3 thay \u0111\u1ed5i trong v\u00e0i th\u1eadp k\u1ef7 qua l\u00e0 r\u1ea5t nhi\u1ec1u v\u00e0 nhi\u1ec1u l\u1edbp.<\/p>\n\n

M\u1ed9t trong nh\u1eefng l\u00fd do \u0111\u00f3, ph\u00f3ng vi\u00ean Annie Nova<\/a> c\u1ee7a CNBC l\u01b0u \u00fd, l\u00e0 th\u00e1i \u0111\u1ed9 v\u0103n h\u00f3a thay \u0111\u1ed5i \u0111\u1ed1i v\u1edbi vi\u1ec7c k\u1ebft h\u00f4n, sinh con v\u00e0 \u0111\u1ecbnh c\u01b0 t\u1ea1i m\u1ed9t ng\u00f4i nh\u00e0.\nD\u1eef li\u1ec7u c\u1ee7a Pew cho th\u1ea5y \u0111\u1ed9 tu\u1ed5i trung b\u00ecnh m\u00e0 m\u1ecdi ng\u01b0\u1eddi k\u1ebft h\u00f4n \u0111ang t\u0103ng l\u00ean: Ch\u1ec9 51% nh\u1eefng ng\u01b0\u1eddi tr\u00ean 18 tu\u1ed5i k\u1ebft h\u00f4n v\u00e0o n\u0103m 2010, so v\u1edbi 72% v\u00e0o n\u0103m 1960.\nH\u00f4n nh\u00e2n t\u1eeb l\u00e2u \u0111\u00e3 m\u1ea5t “th\u1ecb ph\u1ea7n” cho c\u00e1c l\u1ef1a ch\u1ecdn nh\u01b0 s\u1ed1ng th\u1eed, nh\u00e0 nghi\u00ean c\u1ee9u D’Vera Cohn<\/a> ch\u1ec9 ra.\n\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi tr\u1ebb, s\u1ef1 \u1ed5n \u0111\u1ecbnh l\u00e2u d\u00e0i kh\u00f4ng nh\u1ea5t thi\u1ebft c\u00f3 ngh\u0129a l\u00e0 v\u1ee3 \/ ch\u1ed3ng, con c\u00e1i v\u00e0 m\u1ed9t ng\u00f4i nh\u00e0. <\/p>\n\n

G\u00e1nh n\u1eb7ng ti\u1ec1n thu\u00ea nh\u00e0 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 kh\u00e1c ng\u0103n c\u1ea3n m\u1ecdi ng\u01b0\u1eddi s\u1edf h\u1eefu nh\u00e0, theo Pew Charitable Trusts.\nTrong n\u0103m 2015, h\u01a1n m\u1ed9t ph\u1ea7n ba s\u1ed1 h\u1ed9 gia \u0111\u00ecnh thu\u00ea nh\u00e0 b\u1ecb “g\u00e1nh n\u1eb7ng ti\u1ec1n thu\u00ea nh\u00e0”, c\u00f3 ngh\u0129a l\u00e0 h\u1ecd \u0111\u00e3 chi h\u01a1n 30% thu nh\u1eadp tr\u01b0\u1edbc thu\u1ebf cho chi ph\u00ed nh\u00e0 \u1edf.\n\u0110\u00f3 l\u00e0 m\u1ee9c t\u0103ng 19% so v\u1edbi n\u0103m 2001.\n Erin Currier<\/a> c\u1ee7a Pew l\u01b0u \u00fd r\u1eb1ng khi r\u1ea5t nhi\u1ec1u thu nh\u1eadp c\u1ee7a m\u1ed9t ng\u01b0\u1eddi d\u00e0nh cho ti\u1ec1n thu\u00ea nh\u00e0, kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u1ee7 cho m\u1ed9t kho\u1ea3n thanh to\u00e1n xu\u1ed1ng cho m\u1ed9t ng\u00f4i nh\u00e0. <\/p>\n\n

Kh\u00f4ng ch\u1ec9 gi\u00e1 thu\u00ea nh\u00e0 cao \u0111ang k\u00ecm h\u00e3m c\u00e1c ch\u1ee7 nh\u00e0 \u0111\u1ea7y hy v\u1ecdng.\nNhi\u1ec1u ng\u01b0\u1eddi c\u0169ng ph\u1ea3i g\u00e1nh kho\u1ea3n n\u1ee3 sinh vi\u00ean \u0111\u00e1ng k\u1ec3.\nM\u1ed9t nghi\u00ean c\u1ee9u chung n\u0103m 2017 t\u1eeb Hi\u1ec7p h\u1ed9i M\u00f4i gi\u1edbi Qu\u1ed1c gia (NAR) v\u00e0 t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn H\u1ed7 tr\u1ee3 Sinh vi\u00ean Hoa K\u1ef3 cho th\u1ea5y g\u00e1nh n\u1eb7ng n\u1ee3 c\u1ee7a sinh vi\u00ean \u0111ang tr\u00ec ho\u00e3n quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 c\u1ee7a th\u1ebf h\u1ec7 millennials trong b\u1ea3y n\u0103m.\nNh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a NAR, Lawrence Yun<\/a>, g\u1ecdi g\u00e1nh n\u1eb7ng n\u00e0y l\u00e0 “chi ph\u00ed t\u00e0i ch\u00ednh v\u00e0 c\u1ea3m x\u00fac \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ef1a ch\u1ecdn nh\u00e0 \u1edf c\u1ee7a th\u1ebf h\u1ec7 millennials v\u00e0 c\u00e1c quy\u1ebft \u0111\u1ecbnh l\u1edbn kh\u00e1c trong cu\u1ed9c s\u1ed1ng”. <\/p>\n\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1ebb \u0111ang \u0111\u00e1nh gi\u00e1 l\u1ea1i gi\u00e1 tr\u1ecb c\u1ee7a quy\u1ec1n s\u1edf h\u1eefu nh\u00e0<\/h2>\n\n

Ngay c\u1ea3 khi h\u1ecd kh\u00f4ng ph\u1ea3i g\u00e1nh n\u1ee3 v\u00e0 c\u00f3 ti\u1ec1n m\u1eb7t \u0111\u1ec3 tr\u1ea3 tr\u01b0\u1edbc, nhi\u1ec1u ch\u1ee7 nh\u00e0 ti\u1ec1m n\u0103ng v\u1eabn do d\u1ef1 khi ch\u1ea5p nh\u1eadn r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n.\n\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi tr\u00ean 55 tu\u1ed5i, b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 r\u1ee7i ro nhi\u1ec1u, theo m\u1ed9t nghi\u00ean c\u1ee9u t\u1eeb Redfin.\nNh\u01b0ng \u0111\u1ed1i v\u1edbi h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi trong \u0111\u1ed9 tu\u1ed5i 35-44, c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t s\u1ef1 \u0111\u1eb7t c\u01b0\u1ee3c an to\u00e0n h\u01a1n, Daryl Fairweather<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a Redfin cho bi\u1ebft.\n\u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c s\u1ed1ng \u1edf \u0111\u1ed9 tu\u1ed5i cu\u1ed1i 20 v\u00e0 \u0111\u1ea7u 30 trong khi th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u0111\u1ea5t \u0111ang s\u1ee5p \u0111\u1ed5, Fairweather gi\u1ea3i th\u00edch. <\/p>\n\n

\u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 tr\u01b0\u1edbc khi \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t ng\u00f4i nh\u00e0 m\u1edbi, nhi\u1ec1u millennials v\u00e0 Gen X ph\u1ea3i v\u01b0\u1ee3t qua s\u1ef1 ho\u00e0i nghi c\u1ee7a h\u1ecd v\u1ec1 m\u1ed9t th\u1ecb tr\u01b0\u1eddng m\u00e0 h\u1ecd \u0111\u00e3 th\u1ea5y th\u1ea5t b\u1ea1i.<\/p>\n\n

Tuy nhi\u00ean, m\u1ed9t nghi\u00ean c\u1ee9u NAR kh\u00e1c cho th\u1ea5y 84% ng\u01b0\u1eddi M\u1ef9 tin r\u1eb1ng mua nh\u00e0 l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh t\u1ed1t.\nB\u1ea5t ch\u1ea5p s\u1ef1 d\u00e8 d\u1eb7t c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c, ph\u1ea7n l\u1edbn m\u1ecdi ng\u01b0\u1eddi v\u1eabn khao kh\u00e1t m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3 c\u00f3 m\u1ed9t ng\u00f4i nh\u00e0 c\u1ee7a ri\u00eang h\u1ecd, Ch\u1ee7 t\u1ecbch NAR William Brown<\/a> n\u00f3i. <\/p>\n\n

\"\"<\/figure>\n\n

Nh\u1eefng xu h\u01b0\u1edbng s\u1edf h\u1eefu nh\u00e0 n\u00e0y c\u00f3 \u00fd ngh\u0129a g\u00ec \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m?<\/h2>\n\n

C\u00f3 m\u1ed9t tin t\u1ed1t cho c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m: Th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf \u0111ang mang \u0111\u1ebfn cho ng\u01b0\u1eddi mua m\u1edbi nh\u1eefng l\u00fd do v\u1eefng ch\u1eafc \u0111\u1ec3 v\u01b0\u1ee3t qua s\u1ef1 d\u00e8 d\u1eb7t c\u1ee7a h\u1ecd v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0.<\/p>\n\n

Trong khi gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf nhi\u1ec1u th\u1ecb tr\u01b0\u1eddng l\u1edbn c\u1ee7a M\u1ef9 v\u1eabn kh\u00f4ng th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua m\u1edbi, c\u00e1c khu v\u1ef1c kh\u00e1c c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc c\u00f3 r\u1ea5t nhi\u1ec1u giao d\u1ecbch t\u1ed1t.\nT\u1ef7 l\u1ec7 s\u1edf h\u1eefu nh\u00e0 \u0111\u00e3 t\u0103ng l\u00ean 64,4% trong qu\u00fd III n\u0103m 2018, Tian Liu<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng t\u1ea1i Genworth Mortgage Insurance cho bi\u1ebft.\nS\u1ef1 gia t\u0103ng n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u, theo d\u1eef li\u1ec7u t\u1eeb C\u1ee5c \u0111i\u1ec1u tra d\u00e2n s\u1ed1. <\/p>\n\n

Liu n\u00f3i r\u1eb1ng \u0111i\u1ec1u n\u00e0y \u0111\u1ea1i di\u1ec7n cho m\u1ed9t xu h\u01b0\u1edbng.\nH\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi s\u1ebd thu\u00ea cho \u0111\u1ebfn khi h\u1ecd c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 mua.\nDo \u0111\u00f3, khi nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng mua nh\u00e0, nhi\u1ec1u ng\u01b0\u1eddi s\u1ebd mua nh\u00e0 h\u01a1n. <\/p>\n\n

V\u00e0 \u0111\u00f3 l\u00e0 tin t\u1ed1t cho c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 c\u00e1c d\u00f2ng s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd.\nC\u1ee5 th\u1ec3, m\u1ed9t d\u00f2ng ng\u01b0\u1eddi mua l\u1ea7n \u0111\u1ea7u cu\u1ed1i c\u00f9ng c\u00f3 ngh\u0129a l\u00e0 c\u01a1 h\u1ed9i cho c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch gi\u00fap m\u1ed9t th\u1ebf h\u1ec7 ch\u1ee7 nh\u00e0 m\u1edbi b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ecd. <\/p>\n\n

\u0110\u1ec3 k\u1ebft n\u1ed1i v\u1edbi th\u1ebf h\u1ec7 ch\u1ee7 nh\u00e0 \u0111\u00f3, c\u00e1c nh\u00e0 m\u1ea1ng n\u00ean ghi nh\u1edb hai \u0111i\u1ec3m quan tr\u1ecdng:<\/p>\n\n

1. \u0110\u1eebng b\u1ecf b\u00ea b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0<\/h3>\n\n

C\u00e1c nh\u00e0 cung c\u1ea5p c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng m\u1edbi b\u1eb1ng c\u00e1ch t\u1ef1 r\u0169 b\u1ecf t\u1ea7m nh\u00ecn 2,3 tr\u1ebb em v\u00e0 h\u00e0ng r\u00e0o \u0111\u00f3.\nR\u1ea5t \u00edt ng\u01b0\u1eddi ng\u00e0y nay \u0111i theo con \u0111\u01b0\u1eddng th\u1eb3ng c\u1ee7a \u0111\u1ea1i h\u1ecdc-s\u1ef1 nghi\u1ec7p-h\u00f4n nh\u00e2n-s\u1edf h\u1eefu nh\u00e0.\nThay v\u00e0o \u0111\u00f3, m\u1ecdi ng\u01b0\u1eddi thu\u00ea nh\u00e0 cho \u0111\u1ebfn khi mua m\u1ed9t ng\u00f4i nh\u00e0 tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn. <\/p>\n\n

\u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i n\u00ean xem x\u00e9t k\u1ef9 c\u00e1c d\u00f2ng b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u1ee7a h\u1ecd, m\u1ed9t danh m\u1ee5c s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng \u0111\u1ed1i r\u1ed9ng m\u1edf \u0111\u1ec3 c\u1ea1nh tranh.\nM\u1ed9t cu\u1ed9c th\u0103m d\u00f2 c\u1ee7a Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m<\/a> n\u0103m 2016 do ORC International th\u1ef1c hi\u1ec7n cho th\u1ea5y trong khi 93% ch\u1ee7 nh\u00e0 mang b\u1ea3o hi\u1ec3m cho ng\u00f4i nh\u00e0 c\u1ee7a h\u1ecd, ch\u1ec9 c\u00f3 41% ng\u01b0\u1eddi thu\u00ea nh\u00e0 b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd.\n\u0110\u00f3 l\u00e0 r\u1ea5t nhi\u1ec1u ti\u1ec1n \u0111\u01b0\u1ee3c \u0111\u1ec3 l\u1ea1i tr\u00ean b\u00e0n. <\/p>\n\n

H\u01a1n n\u1eefa, b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 t\u1ea1o ra m\u1ed9t con \u0111\u01b0\u1eddng m\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng quan tr\u1ecdng – c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u01b0\u1ee3c r\u00e8n gi\u0169a t\u1eeb l\u00e2u tr\u01b0\u1edbc khi quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 th\u1eadm ch\u00ed tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn.\n\u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao, nh\u01b0 Maxine Rieman<\/a> vi\u1ebft tr\u00ean Forbes, vi\u1ec7c c\u00e1c nh\u00e0 m\u1ea1ng nh\u1eafm m\u1ee5c ti\u00eau \u0111\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00e1 nh\u00e2n, ch\u1ee9 kh\u00f4ng ph\u1ea3i gia \u0111\u00ecnh h\u1ea1t nh\u00e2n, khi ti\u1ebfp th\u1ecb s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd l\u00e0 \u0111i\u1ec1u h\u1ee3p l\u00fd.\nKh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 h\u00f4m nay c\u00f3 th\u1ec3 l\u00e0 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a ng\u00e0y mai, nh\u01b0ng ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 th\u1ec3 kh\u00f4ng h\u00ecnh dung \u0111\u01b0\u1ee3c vi\u1ec7c l\u1ea5p \u0111\u1ea7y ng\u00f4i nh\u00e0 \u0111\u00f3 b\u1eb1ng tr\u1ebb em v\u00e0 v\u1eadt nu\u00f4i. <\/p>\n\n

C\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 hi\u1ec3u \u0111i\u1ec1u n\u00e0y \u1edf v\u1ecb tr\u00ed t\u1ed1t h\u01a1n nhi\u1ec1u \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t c\u01a1 s\u1edf trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u1ebb tu\u1ed5i, sau \u0111\u00f3 cu\u1ed1i c\u00f9ng h\u1ed7 tr\u1ee3 nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00f3 khi h\u1ecd th\u1ef1c hi\u1ec7n qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u1eeb ng\u01b0\u1eddi thu\u00ea nh\u00e0 sang ch\u1ee7 nh\u00e0.<\/p>\n\n

2. T\u1ed1i \u01b0u h\u00f3a k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 cho kh\u00e1ch h\u00e0ng tr\u1ebb<\/h3>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 m\u1ea1ng, \u0111i\u1ec1u quan tr\u1ecdng c\u1ea7n nh\u1edb l\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y mong \u0111\u1ee3i c\u00e1c d\u1ecbch v\u1ee5 d\u1ec5 d\u00e0ng, h\u1ee3p l\u00fd v\u1edbi tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c \u0111\u00e1nh b\u00f3ng, Denny Jacob t\u1ea1i PropertyCasualty360.com<\/a> vi\u1ebft.<\/p>\n\n

Brett Tabano<\/a>, c\u0169ng vi\u1ebft t\u1ea1i PropertyCasualty360.com, l\u01b0u \u00fd r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 tr\u1ebb tu\u1ed5i l\u1edbn l\u00ean v\u1edbi \u0111i\u1ec7n tho\u1ea1i trong tay v\u00e0 h\u1ecd hy v\u1ecdng c\u00f3 th\u1ec3 truy c\u1eadp th\u00f4ng tin b\u1ea3o hi\u1ec3m m\u1ecdi l\u00fac m\u1ecdi n\u01a1i, b\u1ea5t c\u1ee9 khi n\u00e0o h\u1ecd c\u1ea7n.<\/p>\n\n

C\u00f3 r\u1ea5t nhi\u1ec1u c\u01a1 h\u1ed9i cho c\u00e1c nh\u00e0 m\u1ea1ng t\u1eadn d\u1ee5ng nh\u1eefng th\u00e1i \u0111\u1ed9 n\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng.\nNh\u01b0 Cari Sommer<\/a> vi\u1ebft tr\u00ean Forbes, b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 l\u00e0 m\u1ed9t ng\u00e0nh kinh doanh tr\u1ecb gi\u00e1 100 t\u1ef7 \u0111\u00f4 la, nh\u01b0ng ch\u1ec9 c\u00f3 6% h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c b\u00e1n tr\u1ef1c tuy\u1ebfn. <\/p>\n\n

Ki\u00ean nh\u1eabn l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng khi ti\u1ebfp th\u1ecb b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 ng\u00e0y nay<\/h2>\n\n

Millennials s\u1eafp tr\u1edf th\u00e0nh ph\u00e2n kh\u00fac l\u1edbn nh\u1ea5t c\u1ee7a d\u00e2n s\u1ed1 tr\u01b0\u1edfng th\u00e0nh<\/a>.<\/p>\n\n

\u0110\u00e2y l\u00e0 m\u1ed9t th\u1ebf h\u1ec7 ch\u1ee9ng ki\u1ebfn cha m\u1eb9 c\u1ee7a h\u1ecd ph\u1ea3i v\u1eadt l\u1ed9n trong cu\u1ed9c \u0110\u1ea1i suy tho\u00e1i, v\u00e0 \u0111i\u1ec1u \u0111\u00f3 khi\u1ebfn h\u1ecd th\u1eadn tr\u1ecdng v\u1ec1 t\u00e0i ch\u00ednh.\nH\u01a1n n\u1eefa, h\u1ecd \u0111\u00e3 quen v\u1edbi vi\u1ec7c nghi\u00ean c\u1ee9u mua h\u00e0ng tr\u1ef1c tuy\u1ebfn, so s\u00e1nh gi\u00e1 c\u1ea3 v\u00e0 \u0111\u1ecdc \u0111\u00e1nh gi\u00e1 c\u1ee7a ng\u01b0\u1eddi d\u00f9ng h\u01a1n l\u00e0 d\u1ef1a v\u00e0o chuy\u00ean m\u00f4n c\u1ee7a c\u00e1c chuy\u00ean gia \u0111\u1ecba ph\u01b0\u01a1ng. <\/p>\n\n

C\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh s\u1ea3n ph\u1ea9m v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ti\u1ebfp th\u1ecb c\u1ee7a h\u1ecd \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1ebb, hi\u1ec3u bi\u1ebft n\u00e0y.\nMillennials c\u00f3 th\u1ec3 m\u1ea5t nhi\u1ec1u th\u1eddi gian h\u01a1n m\u1ed9t ch\u00fat \u0111\u1ec3 mua ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd so v\u1edbi c\u00e1c th\u1ebf h\u1ec7 tr\u01b0\u1edbc, nh\u01b0ng c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f3 c\u01a1 h\u1ed9i ngay b\u00e2y gi\u1edd \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00f3 – v\u00e0 \u1edf \u0111\u00fang n\u01a1i v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m khi nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00f3 c\u1ea7n gi\u00fap \u0111\u1ee1 \u0111\u1ec3 b\u1ea3o hi\u1ec3m ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd. <\/p>\n\n

_Images b\u1edfi: Roberto Nickson<\/a>, Rowan Heuvel<\/a>, Helloquence<\/a> _<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u1ed9t t\u1ea7m nh\u00ecn v\u1ec1 gia \u0111\u00ecnh M\u1ef9 \u0111i\u1ec3n h\u00ecnh v\u00e0i th\u1eadp k\u1ef7 tr\u01b0\u1edbc bao g\u1ed3m hai cha m\u1eb9, 2,3 \u0111\u1ee9a tr\u1ebb, m\u1ed9t v\u00e0 m\u1ed9t ng\u00f4i nh\u00e0 v\u1edbi v\u01b0\u1eddn hoa v\u00e0 h\u00e0ng r\u00e0o. Nh\u1edd s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 – gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 cho thu\u00ea t\u0103ng, thay \u0111\u1ed5i th\u00e1i \u0111\u1ed9 khi \u0111\u1ecbnh […]<\/p>\n","protected":false},"featured_media":5882,"template":"","insight-category":[],"class_list":["post-17949","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/17949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/5882"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=17949"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=17949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}