L&#432;&#7907;ng t&igrave;m ki&#7871;m tr&ecirc;n Google cho c&#7909;m t&#7915; &ldquo;gi&uacute;p &#273;&#7905; v&#7899;i kho&#7843;n vay th&#7871; ch&#7845;p&rdquo; hi&#7879;n &#273;&atilde; v&#432;&#7907;t qua &#273;&#7881;nh &#273;i&#7875;m c&#7911;a cu&#7897;c kh&#7911;ng ho&#7843;ng t&agrave;i ch&iacute;nh to&agrave;n c&#7847;u n&#259;m 2008, b&aacute;o hi&#7879;u c&#259;ng th&#7859;ng gia t&#259;ng trong th&#7883; tr&#432;&#7901;ng nh&agrave; &#7903; M&#7929;.
C&aacute;c nh&agrave; ph&acirc;n t&iacute;ch c&#7843;nh b&aacute;o r&#7857;ng &aacute;p l&#7921;c v&#7873; kh&#7843; n&#259;ng chi tr&#7843; &#273;ang gia t&#259;ng, v&#7899;i c&aacute;c kho&#7843;n thanh to&aacute;n ti&#7873;n thu&ecirc; nh&agrave; tr&#7877; h&#7841;n t&#259;ng cao v&agrave; chi ph&iacute; vay th&#7871; ch&#7845;p t&#259;ng nhanh h&#417;n nhi&#7873;u so v&#7899;i t&#7889;c &#273;&#7897; t&#259;ng tr&#432;&#7903;ng thu nh&#7853;p.
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-mortgage-rates-signal-shifting-economic-pressures-for-crypto-markets">L&atilde;i su&#7845;t th&#7871; ch&#7845;p b&aacute;o hi&#7879;u &aacute;p l&#7921;c kinh t&#7871; thay &#273;&#7893;i cho th&#7883; tr&#432;&#7901;ng crypto</h2>

Theo nh&agrave; ph&acirc;n t&iacute;ch nh&agrave; &#7903; Nick Gerli, thu nh&#7853;p ch&#7881; t&#259;ng 21.9% k&#7875; t&#7915; n&#259;m 2019. Trong khi &#273;&oacute;, chi ph&iacute; vay th&#7871; ch&#7845;p &#273;&atilde; t&#259;ng 91.9% trong c&ugrave;ng k&#7923;.
<blockquote class="max-w-xl text-4.5 border-l-2 border-blue-600 pl-11 mb-9 select-all [&amp;_p]:!mb-0 wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
&ldquo;Chi ph&iacute; mua nh&agrave; &#273;&atilde; t&#259;ng nhanh g&#7845;p b&#7889;n l&#7847;n so v&#7899;i thu nh&#7853;p. Kh&ocirc;ng b&#7873;n v&#7919;ng,&rdquo; Gerli <a href="https://x.com/nickgerli1/status/1967727990479147222" target="_blank" rel="noreferrer noopener nofollow">vi&#7871;t</a>.
</blockquote>

C&aacute;c nh&agrave; b&igrave;nh lu&#7853;n kh&aacute;c, bao g&#7891;m Darth Powell v&agrave; <a href="https://x.com/neilfromsa/status/1968127071240196129" target="_blank" rel="noreferrer noopener nofollow">Neil</a>, ch&#7881; ra r&#7857;ng c&aacute;c kho&#7843;n thanh to&aacute;n ti&#7873;n thu&ecirc; nh&agrave; tr&#7877; h&#7841;n &#273;ang t&#259;ng v&#7885;t. C&#361;ng c&oacute; m&#7897;t cu&#7897;c &#273;&#7845;u tranh ng&agrave;y c&agrave;ng t&#259;ng &#273;&#7889;i v&#7899;i c&aacute;c ch&#7911; nh&agrave; &#273;&#7875; theo k&#7883;p c&aacute;c h&oacute;a &#273;&#417;n h&agrave;ng th&aacute;ng.
Trong khi &#273;&oacute;, d&#7919; li&#7879;u t&#7915; Polymarket v&agrave; Barchart <a href="https://x.com/Polymarket/status/1967951468629225551" target="_blank" rel="noreferrer noopener nofollow">cho th&#7845;y</a> r&#7857;ng l&#432;&#7907;ng t&igrave;m ki&#7871;m v&#7873; tr&#7907; gi&uacute;p vay th&#7871; ch&#7845;p &#273;&atilde; v&#432;&#7907;t qua m&#7913;c n&#259;m 2008. &#272;i&#7873;u n&agrave;y ph&#7843;n &aacute;nh c&#259;ng th&#7859;ng t&agrave;i ch&iacute;nh &#273;ang lan r&#7897;ng t&#7915; ng&#432;&#7901;i thu&ecirc; nh&agrave; sang ch&#7911; nh&agrave;.
V&#7899;i kh&#7843; n&#259;ng chi tr&#7843; s&#7909;p &#273;&#7893;, ho&#7841;t &#273;&#7897;ng mua nh&agrave; v&#7851;n tr&#7847;m l&#7855;ng ngay c&#7843; khi &#273;i&#7873;u ki&#7879;n t&iacute;n d&#7909;ng th&#7855;t ch&#7863;t.
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-fhfa-s-crypto-experiment-pushes-adoption-but-with-strings-attached">Th&iacute; nghi&#7879;m ti&#7873;n &#273;i&#7879;n t&#7917; c&#7911;a FHFA th&uacute;c &#273;&#7849;y s&#7921; ch&#7845;p nh&#7853;n, nh&#432;ng c&oacute; &#273;i&#7873;u ki&#7879;n k&egrave;m theo</h2>

Trong b&#7889;i c&#7843;nh n&agrave;y, C&#417; quan T&agrave;i ch&iacute;nh Nh&agrave; &#7903; Li&ecirc;n bang (FHFA) <a href="https://vn.beincrypto.com/bitcoin-mortgages-housing-credit-us-crypto-news/" target="_blank" rel="noreferrer noopener">&#273;&atilde; c&#7889; g&#7855;ng n&#7899;i l&#7887;ng vi&#7879;c ti&#7871;p c&#7853;n t&iacute;n d&#7909;ng v&agrave;o th&aacute;ng 06</a> b&#7857;ng c&aacute;ch cho ph&eacute;p Bitcoin v&agrave; m&#7897;t s&#7889; lo&#7841;i ti&#7873;n &#273;i&#7879;n t&#7917; nh&#7845;t &#273;&#7883;nh &#273;&#432;&#7907;c t&iacute;nh l&agrave; t&agrave;i s&#7843;n &#273;&#7875; &#273;&#7911; &#273;i&#7873;u ki&#7879;n vay th&#7871; ch&#7845;p.
&#272;&#7897;ng th&aacute;i n&agrave;y &aacute;p d&#7909;ng cho c&aacute;c &#7913;ng vi&ecirc;n th&ocirc;ng qua Fannie Mae v&agrave; Freddie Mac. &#272;&acirc;y l&agrave; <a href="https://vn.beincrypto.com/fhfa-crypto-mortgage-loan-assessment/" target="_blank" rel="noreferrer noopener">l&#7847;n &#273;&#7847;u ti&ecirc;n h&#7879; th&#7889;ng vay th&#7871; ch&#7845;p li&ecirc;n bang ch&iacute;nh th&#7913;c c&ocirc;ng nh&#7853;n ti&#7873;n &#273;i&#7879;n t&#7917;</a> trong vi&#7879;c &#273;&aacute;nh gi&aacute; t&agrave;i s&#7843;n.
Tuy nhi&ecirc;n, ch&#432;&#417;ng tr&igrave;nh c&oacute; nh&#7919;ng h&#7841;n ch&#7871;. Ch&#7881; nh&#7919;ng lo&#7841;i ti&#7873;n &#273;i&#7879;n t&#7917; &#273;&#432;&#7907;c gi&#7919; tr&ecirc;n c&aacute;c s&agrave;n giao d&#7883;ch l&#432;u k&yacute; &#273;&#432;&#7907;c qu&#7843;n l&yacute; t&#7841;i M&#7929; m&#7899;i &#273;&#7911; &#273;i&#7873;u ki&#7879;n, trong khi Bitcoin &#273;&#432;&#7907;c l&#432;u tr&#7919; l&#7841;nh, thi&#7871;t l&#7853;p multisig ho&#7863;c v&iacute; t&#7921; qu&#7843;n l&yacute; th&igrave; kh&ocirc;ng.
C&aacute;c &#7913;ng vi&ecirc;n c&#361;ng kh&ocirc;ng th&#7875; cam k&#7871;t nh&#7919;ng t&agrave;i s&#7843;n n&agrave;y l&agrave;m t&agrave;i s&#7843;n th&#7871; ch&#7845;p, v&igrave; t&agrave;i s&#7843;n ti&#7873;n &#273;i&#7879;n t&#7917; &#273;&#432;&#7907;c t&iacute;nh v&agrave;o gi&aacute; tr&#7883; r&ograve;ng trong qu&aacute; tr&igrave;nh &#273;&aacute;nh gi&aacute;.
C&aacute;c nh&agrave; ph&ecirc; b&igrave;nh cho r&#7857;ng c&aacute;ch ti&#7871;p c&#7853;n n&agrave;y l&agrave;m suy y&#7871;u nguy&ecirc;n t&#7855;c c&#7889;t l&otilde;i c&#7911;a Bitcoin v&#7873; quy&#7873;n t&#7921; ch&#7911;.
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&ldquo;C&oacute; v&#7867; nh&#432; bitcoin &#273;&#432;&#7907;c gi&#7919; trong t&#7921; qu&#7843;n l&yacute; s&#7869; KH&Ocirc;NG &#273;&#432;&#7907;c t&iacute;nh l&agrave; t&agrave;i s&#7843;n &#273;&#7875; xem x&eacute;t cho c&aacute;c kho&#7843;n vay mua nh&agrave;. &#272;&acirc;y l&agrave; m&#7897;t sai l&#7847;m Pulte; t&#7921; qu&#7843;n l&yacute; ho&agrave;n to&agrave;n ph&ugrave; h&#7907;p v&#7899;i c&aacute;c gi&aacute; tr&#7883; c&#7911;a M&#7929;. R&#7845;t d&#7877; d&agrave;ng &#273;&#7875; ch&#7913;ng minh quy&#7873;n s&#7903; h&#7919;u BTC trong t&#7921; qu&#7843;n l&yacute;,&rdquo;&nbsp;<a href="https://x.com/Nneuman/status/1937988654707736656" target="_blank" rel="noreferrer noopener nofollow">vi&#7871;t</a>&nbsp;chuy&ecirc;n gia t&#7921; qu&#7843;n l&yacute; Nick Neuman.
</blockquote>

C&ocirc;ng ty d&#7883;ch v&#7909; t&agrave;i ch&iacute;nh Bitcoin Swan c&#361;ng chia s&#7867; m&#7889;i quan ng&#7841;i n&agrave;y. M&#7863;c d&ugrave; Swan c&ocirc;ng nh&#7853;n &#273;&#7897;ng th&aacute;i n&agrave;y l&agrave; m&#7897;t chi&#7871;n th&#7855;ng, nh&#432;ng c&#361;ng nh&#7853;n ra nh&#7919;ng h&#7841;n ch&#7871;.
Bitcoin kh&ocirc;ng t&#7891;n t&#7841;i trong m&#7855;t c&aacute;c nh&agrave; th&#7849;m &#273;&#7883;nh vay th&#7871; ch&#7845;p tr&#7915; khi n&oacute; hi&#7875;n th&#7883; tr&ecirc;n c&aacute;c n&#7873;n t&#7843;ng l&#432;u k&yacute; &#273;&#432;&#7907;c qu&#7843;n l&yacute; b&#7903;i nh&agrave; n&#432;&#7899;c.
&#272;&#7889;i v&#7899;i Swan, &#273;i&#7873;u n&agrave;y ph&#7843;n &aacute;nh m&#7897;t m&ocirc; h&igrave;nh l&#7899;n h&#417;n: &#273;&#7847;u ti&ecirc;n l&agrave; ph&#7899;t l&#7901; ti&#7873;n &#273;i&#7879;n t&#7917;, sau &#273;&oacute; ch&#7845;p nh&#7853;n n&oacute;, nh&#432;ng ch&#7881; theo c&aacute;c &#273;i&#7873;u kho&#7843;n &#273;&#432;&#7907;c thi&#7871;t k&#7871; &#273;&#7875; ki&#7875;m so&aacute;t.
Tuy nhi&ecirc;n, nh&#7919;ng ng&#432;&#7901;i &#7911;ng h&#7897; cho r&#7857;ng s&#7921; c&ocirc;ng nh&#7853;n c&#7911;a FHFA v&#7851;n &#273;&aacute;nh d&#7845;u m&#7897;t b&#432;&#7899;c &#273;&#7897;t ph&aacute;. B&#7857;ng c&aacute;ch bao g&#7891;m t&agrave;i s&#7843;n ti&#7873;n &#273;i&#7879;n t&#7917; m&agrave; kh&ocirc;ng y&ecirc;u c&#7847;u chuy&#7875;n &#273;&#7893;i sang &#273;&ocirc; la M&#7929;, c&#417; quan n&agrave;y &#273;&atilde; mang l&#7841;i cho t&agrave;i s&#7843;n k&#7929; thu&#7853;t s&#7889; m&#7897;t ch&#7895; &#273;&#7913;ng trong m&#7897;t trong nh&#7919;ng th&#7883; tr&#432;&#7901;ng quan tr&#7885;ng nh&#7845;t c&#7911;a M&#7929;.
&#272;&#7889;i v&#7899;i nh&#7919;ng ng&#432;&#7901;i n&#7855;m gi&#7919; ti&#7873;n &#273;i&#7879;n t&#7917;, &#273;&#7863;c bi&#7879;t l&agrave; nh&#7919;ng ng&#432;&#7901;i c&oacute; th&#7875; thi&#7871;u ti&#7873;n m&#7863;t nh&#432;ng gi&agrave;u t&agrave;i s&#7843;n, &#273;i&#7873;u n&agrave;y c&oacute; th&#7875; m&#7903; ra con &#273;&#432;&#7901;ng &#273;&#7875; &#273;&#7911; &#273;i&#7873;u ki&#7879;n vay th&#7871; ch&#7845;p m&agrave; n&#7871;u kh&ocirc;ng s&#7869; n&#7857;m ngo&agrave;i t&#7847;m v&#7899;i.
Tuy nhi&ecirc;n, cu&#7897;c kh&#7911;ng ho&#7843;ng nh&agrave; &#7903; l&agrave;m n&#7893;i b&#7853;t gi&#7899;i h&#7841;n c&#7911;a vai tr&ograve; ti&#7873;n &#273;i&#7879;n t&#7917;. S&#7921; c&ocirc;ng nh&#7853;n n&agrave;y &#273;&#7871;n ngay khi c&#259;ng th&#7859;ng nh&agrave; &#7903; t&#259;ng v&#7885;t l&ecirc;n m&#7913;c ch&#432;a t&#7915;ng th&#7845;y k&#7875; t&#7915; n&#259;m 2008, v&agrave; ph&#7841;m vi &#273;&#7911; &#273;i&#7873;u ki&#7879;n h&#7865;p c&oacute; ngh&#297;a l&agrave; Bitcoin kh&oacute; c&oacute; th&#7875; mang l&#7841;i s&#7921; c&#7913;u tr&#7907; r&#7897;ng r&atilde;i.
Thay v&agrave;o &#273;&oacute;, vi&#7879;c t&iacute;ch h&#7907;p ti&#7873;n &#273;i&#7879;n t&#7917; v&agrave;o t&iacute;n d&#7909;ng vay th&#7871; ch&#7845;p c&oacute; th&#7875; v&#7851;n l&agrave; m&#7897;t c&ocirc;ng c&#7909; ng&aacute;ch.
M&#7897;t m&#7863;t, n&oacute; l&agrave; bi&#7875;u t&#432;&#7907;ng c&#7911;a s&#7921; h&#7897;i t&#7909; t&agrave;i ch&iacute;nh r&#7897;ng l&#7899;n h&#417;n. M&#7863;t kh&aacute;c, n&oacute; v&#7851;n c&ograve;n xa m&#7899;i l&agrave; gi&#7843;i ph&aacute;p cho cu&#7897;c kh&#7911;ng ho&#7843;ng kh&#7843; n&#259;ng chi tr&#7843; &#273;ang k&igrave;m k&#7865;p c&aacute;c h&#7897; gia &#273;&igrave;nh M&#7929;.

Bitcoin có thể giải quyết vấn đề nhà ở tại Mỹ? Động thái thế chấp bằng tiền điện tử của FHFA thu hút sự chú ý khi khủng hoảng ngày càng sâu sắc