{"id":21043,"date":"2024-09-30T14:16:51","date_gmt":"2024-09-30T19:16:51","guid":{"rendered":"https:\/\/bolttech.io\/insights\/khi-bao-hiem-va-mua-nha-thong-nhat-su-gia-tang-cua-bao-hiem-chu-nha-nhung\/"},"modified":"2024-09-30T14:16:59","modified_gmt":"2024-09-30T19:16:59","slug":"khi-bao-hiem-va-mua-nha-thong-nhat-su-gia-tang-cua-bao-hiem-chu-nha-nhung","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/khi-bao-hiem-va-mua-nha-thong-nhat-su-gia-tang-cua-bao-hiem-chu-nha-nhung\/","title":{"rendered":"Khi b\u1ea3o hi\u1ec3m v\u00e0 mua nh\u00e0 th\u1ed1ng nh\u1ea5t: S\u1ef1 gia t\u0103ng c\u1ee7a b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang"},"content":{"rendered":"\n

Khi s\u1ed1 h\u00f3a thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi duy\u1ec7t v\u00e0 mua h\u00e0ng h\u00f3a, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang nh\u00ecn v\u00e0o th\u1ecb tr\u01b0\u1eddng c\u0169 theo nh\u1eefng c\u00e1ch m\u1edbi.\nBao g\u1ed3m b\u1ea3o hi\u1ec3m v\u1edbi gi\u00e1 c\u1ee7a m\u1ed9t chi\u1ebfc xe h\u01a1i ho\u1eb7c nh\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong nhi\u1ec1u con \u0111\u01b0\u1eddng m\u1edbi m\u00e0 s\u1ed1 h\u00f3a \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. <\/p>\n\n

B\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang, \u0111\u01b0\u1ee3c bao g\u1ed3m trong gi\u00e1 mua nh\u00e0 ho\u1eb7c \u0111\u01b0\u1ee3c th\u00eam v\u00e0o trong qu\u00e1 tr\u00ecnh th\u1ebf ch\u1ea5p, c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 cho ng\u01b0\u1eddi mua.\nN\u00f3 c\u0169ng \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n t\u1ea1i th\u1eddi \u0111i\u1ec3m ch\u00ednh x\u00e1c m\u00e0 h\u1ecd mu\u1ed1n mua b\u1ea3o hi\u1ec3m. <\/p>\n\n

S\u1ef1 ph\u1ed5 bi\u1ebfn ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang<\/h2>\n\n

B\u1ea3o hi\u1ec3m nh\u00fang c\u0169ng \u0111ang tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n v\u00ec n\u00f3 th\u00fac \u0111\u1ea9y m\u1ed9t s\u1ed1 xu h\u01b0\u1edbng l\u1edbn nh\u1ea5t \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i b\u1ea3o hi\u1ec3m.\nC\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng, ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n v\u00e0 s\u1ef1 gia t\u0103ng c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u00e0i s\u1ea3n li\u00ean quan \u0111\u1ebfn th\u1eddi ti\u1ebft \u0111\u1ec1u \u0111ang thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ngh\u0129 v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, Kevin Reilley<\/a> n\u00f3i trong PropertyCasualty360. <\/p>\n\n

D\u1eef li\u1ec7u l\u1edbn v\u00e0 k\u1ebft n\u1ed1i di \u0111\u1ed9ng t\u1ed1t h\u01a1n gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd tr\u1ef1c ti\u1ebfp v\u1edbi m\u1ed9t m\u1eb7t h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c mua.\nV\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty nh\u01b0 Tesla v\u00e0 BMW hi\u1ec7n \u0111ang k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u1edbi vi\u1ec7c mua m\u1ed9t chi\u1ebfc xe m\u1edbi, Alanis King<\/a> t\u1ea1i Jalopnik n\u00f3i. <\/p>\n\n

Khi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 nh\u00fang \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ee9c h\u00fat, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i P&C v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech c\u0169ng \u0111ang t\u00ecm c\u00e1ch nh\u00fang b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u1edbi vi\u1ec7c mua m\u1ed9t ng\u00f4i nh\u00e0 m\u1edbi.<\/p>\n\n

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

T\u1ea1i sao b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang thu h\u00fat ng\u01b0\u1eddi mua<\/h2>\n\n

H\u1ea7u h\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 \u0111\u01b0\u1ee3c mua gi\u1ed1ng nh\u01b0 c\u00e1ch h\u1ecd \u0111\u00e3 \u0111\u01b0\u1ee3c trong nhi\u1ec1u th\u1eadp k\u1ef7.\nKh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 nghi\u00ean c\u1ee9u c\u00e1c l\u1ef1a ch\u1ecdn tr\u1ef1c tuy\u1ebfn, nh\u1eadn \u0111\u1ec1 xu\u1ea5t t\u1eeb b\u1ea1n b\u00e8 ho\u1eb7c l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd.\nTuy nhi\u00ean, khi s\u1eed d\u1ee5ng c\u00e1c quy tr\u00ecnh nh\u01b0 v\u1eady \u0111\u1ec3 nghi\u00ean c\u1ee9u b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u01b0\u1eddng g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c ph\u00e2n bi\u1ec7t s\u1ea3n ph\u1ea9m v\u00e0 c\u00f4ng ty, P\u00e1draig Floyd<\/a> t\u1ea1i C\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 cho bi\u1ebft. <\/p>\n\n

Ng\u01b0\u1eddi mua nh\u00e0 m\u1edbi kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng bi\u1ebft khi n\u00e0o h\u1ecd s\u1ebd c\u1ea7n mua b\u1ea3o hi\u1ec3m cho ch\u1ee7 nh\u00e0 cho ng\u00f4i nh\u00e0 m\u1edbi c\u1ee7a h\u1ecd.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ea5u tranh \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh lo\u1ea1i v\u00e0 s\u1ed1 l\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m s\u1ebd cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 t\u1ed1t nh\u1ea5t, Brandon Cornett<\/a> t\u1ea1i Vi\u1ec7n Mua nh\u00e0 cho bi\u1ebft.\nM\u1eb7c d\u00f9 vi\u1ec7c mua b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n, nh\u01b0ng n\u00f3 c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y kh\u00f3 kh\u0103n h\u01a1n trong qu\u00e1 tr\u00ecnh mua nh\u00e0. <\/p>\n\n

V\u00ed d\u1ee5, nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng nh\u1eadn ra r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 30 ng\u00e0y ho\u1eb7c h\u01a1n tr\u01b0\u1edbc khi \u0111\u00f3ng c\u1eeda, Josh Lipstone<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ee7a T\u1eadp \u0111o\u00e0n B\u1ea3o hi\u1ec3m Lipstone cho bi\u1ebft.\nH\u1ecd c\u0169ng kh\u00f4ng nh\u1eadn ra r\u1eb1ng mua s\u1eafm s\u1edbm c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n cho nh\u00e0 \u1edf c\u1ee5 th\u1ec3 m\u00e0 h\u1ecd \u0111ang mua. <\/p>\n\n

Mua nh\u00e0 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft ng\u01b0\u1eddi mua, ch\u1ee7 y\u1ebfu l\u00e0 do qu\u00e1 tr\u00ecnh th\u1ebf ch\u1ea5p b\u1ecb ph\u00e2n m\u1ea3nh v\u00e0 s\u1ef1 tham gia c\u1ee7a nhi\u1ec1u b\u00ean, Angela Strange<\/a> t\u1ea1i Andreessen Horowitz n\u00f3i.\nS\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c quy \u0111\u1ecbnh v\u00e0 y\u00eau c\u1ea7u th\u1ebf ch\u1ea5p \u0111\u00e3 l\u00e0m cho qu\u00e1 tr\u00ecnh n\u00e0y ng\u00e0y c\u00e0ng m\u1edd \u0111\u1ee5c v\u00e0 g\u00e2y kh\u00f3 ch\u1ecbu cho ng\u01b0\u1eddi mua. <\/p>\n\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p trong c\u1ea3 fintech v\u00e0 insurtech c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng s\u1ef1 ph\u1ee9c t\u1ea1p n\u00e0y \u0111\u1ec3 t\u00ecm c\u01a1 h\u1ed9i kinh doanh m\u1edbi, Strange n\u00f3i.\nCung c\u1ea5p b\u1ea3o hi\u1ec3m nh\u00e0 nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a qu\u00e1 tr\u00ecnh mua nh\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng c\u01a1 h\u1ed9i nh\u01b0 v\u1eady. <\/p>\n\n

T\u1ea1i sao b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang c\u0169ng thu h\u00fat c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n

T\u1ed5n th\u1ea5t th\u01b0\u01a1ng vong gia t\u0103ng – c\u1ed9ng v\u1edbi nhu c\u1ea7u t\u00ecm v\u00e0 gi\u1eef th\u00eam kh\u00e1ch h\u00e0ng – \u0111\u00e3 khi\u1ebfn b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang tr\u1edf th\u00e0nh m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1ea7y h\u1ee9a h\u1eb9n cho m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m.<\/p>\n\n

N\u0103m 2017, 6% nh\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, nh\u01b0ng 98,1% trong s\u1ed1 \u0111\u00f3 l\u00e0 thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n, theo d\u1eef li\u1ec7u t\u1eeb Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m<\/a> (III).\nC\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u1eaft nh\u1ea5t bao g\u1ed3m nh\u1eefng khi\u1ebfu n\u1ea1i g\u00e2y ra b\u1edfi l\u1eeda v\u00e0 s\u00e9t, v\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 do gi\u00f3, m\u01b0a \u0111\u00e1, n\u01b0\u1edbc v\u00e0 nhi\u1ec7t \u0111\u1ed9 \u0111\u00f3ng b\u0103ng. <\/p>\n\n

C\u1ea3 t\u1ea7n su\u1ea5t v\u00e0 m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng c\u1ee7a c\u00e1c khi\u1ebfu n\u1ea1i \u0111\u00e3 t\u0103ng l\u00ean trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, theo III.\nTrong n\u0103m 2013, kho\u1ea3n thanh to\u00e1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng trung b\u00ecnh l\u00e0 $ 10,603; \u0110\u1ebfn n\u0103m 2017, s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u00e3 t\u0103ng l\u00ean 15.532 \u0111\u00f4 la. <\/p>\n\n

B\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang c\u00f3 th\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng th\u00f4ng qua s\u1ef1 \u0111\u01a1n gi\u1ea3n v\u00e0 \u1ed5n \u0111\u1ecbnh c\u1ee7a n\u00f3.\nBao g\u1ed3m n\u00f3 nh\u01b0 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a gi\u00e1 mua l\u00e0m gi\u1ea3m c\u0103ng th\u1eb3ng trong qu\u00e1 tr\u00ecnh mua nh\u00e0.\nN\u00f3 c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a ch\u00ednh ng\u00f4i nh\u00e0, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng \u00edt quan t\u00e2m \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i h\u00e3ng b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3. <\/p>\n\n

B\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang c\u0169ng cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u0103ng c\u01b0\u1eddng m\u1ed1i quan h\u1ec7 c\u1ee7a h\u1ecd v\u1edbi kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng.<\/p>\n\n

“B\u1ea3o hi\u1ec3m l\u00e0 s\u1ea3n ph\u1ea9m duy nh\u1ea5t m\u1ecdi ng\u01b0\u1eddi mua m\u00e0 h\u1ecd hy v\u1ecdng h\u1ecd kh\u00f4ng bao gi\u1edd s\u1eed d\u1ee5ng”, Assaf Wand<\/a>, CEO v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a Hippo Insurance n\u00f3i.\nTuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1eef li\u00ean l\u1ea1c th\u01b0\u1eddng xuy\u00ean v\u00e0 t\u0103ng th\u00eam gi\u00e1 tr\u1ecb cho c\u00e1c m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd c\u0169ng x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh – th\u01b0\u1eddng v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi gi\u00e1 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng m\u1edbi. <\/p>\n\n

Wand d\u1ef1 \u0111o\u00e1n r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1eaft \u0111\u1ea7u chuy\u1ec3n tr\u1ecdng t\u00e2m sang kh\u00e1ch h\u00e0ng, cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 ng\u0103n ng\u1eeba ho\u1eb7c gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i, nh\u01b0 ki\u1ec3m tra th\u01b0\u1eddng xuy\u00ean t\u1eeb th\u1ee3 \u1ed1ng n\u01b0\u1edbc ho\u1eb7c th\u1ee3 \u0111i\u1ec7n \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn.\nKhi \u0111i k\u00e8m v\u1edbi \u01b0u \u0111\u00e3i b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang, c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng n\u00e0y c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi mua nh\u00e0 v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. <\/p>\n\n

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

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 n\u1ec1n t\u1ea3ng: C\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n

C\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c c\u00f4ng ty fintech \u0111\u00e3 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang.\n\u0110i\u1ec1u n\u00e0y l\u00e0 do n\u00f3 mang l\u1ea1i cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m h\u1ee3p l\u00fd h\u01a1n, khi\u1ebfn h\u1ecd quan t\u00e2m h\u01a1n \u0111\u1ebfn vi\u1ec7c theo \u0111u\u1ed5i th\u1ebf ch\u1ea5p. <\/p>\n\n

“Mua nh\u00e0 l\u00e0 m\u1ed9t trong nh\u1eefng quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 c\u00e1 nh\u00e2n l\u1edbn nh\u1ea5t c\u1ee7a cu\u1ed9c \u0111\u1eddi, v\u00e0 n\u00f3 c\u0169ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t trong nh\u1eefng c\u0103ng th\u1eb3ng nh\u1ea5t. T\u1ea1o ra tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 tr\u00ecnh mua nh\u00e0 cho ph\u00e9p ch\u00fang t\u00f4i gi\u1ea3m b\u1edbt m\u1ed9t s\u1ed1 kh\u00eda c\u1ea1nh th\u00e1ch th\u1ee9c nh\u1ea5t c\u1ee7a n\u00f3, “Eric Schuppenhauer<\/a>, ch\u1ee7 t\u1ecbch th\u1ebf ch\u1ea5p nh\u00e0 t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng d\u00e2n cho bi\u1ebft.<\/p>\n\n

Ng\u00e2n h\u00e0ng C\u00f4ng d\u00e2n g\u1ea7n \u0111\u00e2y \u0111\u00e3 ra m\u1eaft m\u1ed9t n\u1ec1n t\u1ea3ng th\u1ebf ch\u1ea5p k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u1ed5ng th\u00f4ng tin mua s\u1eafm t\u1ea1i nh\u00e0 tr\u1ef1c tuy\u1ebfn.\nNh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y gi\u00fap kh\u00e1ch h\u00e0ng mua nh\u00e0, k\u1ebft n\u1ed1i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 \u0111\u0103ng k\u00fd th\u1ebf ch\u1ea5p t\u1eeb c\u00f9ng m\u1ed9t c\u1ed5ng th\u00f4ng tin tr\u1ef1c tuy\u1ebfn, Ben Lane<\/a> t\u1ea1i HousingWire cho bi\u1ebft. <\/p>\n\n

H\u1ee3p t\u00e1c v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u00fap m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1eadn d\u1ee5ng l\u1ee3i \u00edch hi\u1ec7n c\u00f3 trong b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang.\nQuan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u00fap c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi cho vay truy c\u1eadp d\u1eef li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u00ednh to\u00e1n l\u00e3i su\u1ea5t, gi\u00e1 ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c ch\u00ednh x\u00e1c h\u01a1n. <\/p>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c c\u01a1 h\u1ed9i t\u01b0\u01a1ng t\u1ef1 \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u gi\u1eefa c\u00e1c doanh nghi\u1ec7p.\nL\u00e0 \u0111\u1ea7u m\u1ed1i li\u00ean l\u1ea1c cho ng\u01b0\u1eddi mua nh\u00e0, c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c gi\u00fap ng\u01b0\u1eddi mua hi\u1ec3u nhu c\u1ea7u b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd khi h\u1ecd mua nh\u00e0, Erin Salem<\/a> t\u1ea1i Roundtable Realty n\u00f3i. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean \u0111\u1eb7t m\u1ee5c ti\u00eau l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng ho\u1eb7c nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ec3 k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u1edbi gi\u00e1 mua nh\u00e0.\n\u0110i\u1ec1u n\u00e0y cho ph\u00e9p h\u1ecd ti\u1ebfp c\u1eadn \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ea7n b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng ch\u1eafc ch\u1eafn l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua s\u1eafm s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00edch b\u00e1n b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 m\u00e0 kh\u00f4ng c\u00f3 quan h\u1ec7 \u0111\u1ed1i t\u00e1c t\u00e0i ch\u00ednh ho\u1eb7c fintech, c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn kh\u00e1c.\nL\u1eafp \u0111\u1eb7t c\u1eeda ch\u1edbp b\u00e3o ho\u1eb7c b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 t\u1ef1 \u0111\u1ed9ng c\u00f3 th\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t, Cheryl Crews<\/a> t\u1ea1i B\u1ea3o hi\u1ec3m Turner &; Associates cho bi\u1ebft. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u1ea3 quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 n\u1ec1n t\u1ea3ng m\u1edbi, thi\u1ebft k\u1ebf th\u00edch \u1ee9ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u00e0nh c\u00f4ng trong vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0, Laura LaBerge<\/a>, m\u1ed9t chuy\u00ean gia ki\u1ebfn th\u1ee9c cao c\u1ea5p t\u1ea1i McKinsey cho bi\u1ebft.\nCho d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh hay h\u1ee3p l\u00fd h\u00f3a c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd, vi\u1ec7c th\u01b0\u1eddng xuy\u00ean \u0111i\u1ec1u ch\u1ec9nh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 t\u0103ng c\u01a1 h\u1ed9i th\u00e0nh c\u00f4ng, c\u00f4 n\u00f3i th\u00eam. <\/p>\n\n

Trong khi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 nh\u00fang \u0111ang c\u1ea5t c\u00e1nh, b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u00fang v\u1eabn l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ee7 \u0111\u1ed9ng s\u1edbm s\u1ebd tr\u1edf th\u00e0nh nh\u1eefng ng\u01b0\u1eddi ch\u01a1i ch\u00ednh trong kh\u00f4ng gian n\u00e0y, c\u1ea3i thi\u1ec7n m\u1ed1i quan h\u1ec7 c\u1ee7a h\u1ecd v\u1edbi kh\u00e1ch h\u00e0ng, c\u00f4ng ty th\u1ebf ch\u1ea5p v\u00e0 m\u00f4i gi\u1edbi. <\/p>\n\n

\u1ea2nh: Alexander Raths\/\u00a9123RF.com, warrengoldswain\/\u00a9123RF.com, Vadim Guzhva\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Khi s\u1ed1 h\u00f3a thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi duy\u1ec7t v\u00e0 mua h\u00e0ng h\u00f3a, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang nh\u00ecn v\u00e0o th\u1ecb tr\u01b0\u1eddng c\u0169 theo nh\u1eefng c\u00e1ch m\u1edbi. Bao g\u1ed3m b\u1ea3o hi\u1ec3m v\u1edbi gi\u00e1 c\u1ee7a m\u1ed9t chi\u1ebfc xe h\u01a1i ho\u1eb7c nh\u00e0 ch\u1ec9 l\u00e0 m\u1ed9t trong nhi\u1ec1u con \u0111\u01b0\u1eddng m\u1edbi m\u00e0 s\u1ed1 h\u00f3a \u0111\u00e3 th\u1ef1c hi\u1ec7n […]<\/p>\n","protected":false},"featured_media":6370,"template":"","insight-category":[],"class_list":["post-21043","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21043","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\/6370"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21043"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}