Con \u0111\u01b0\u1eddng d\u00e0i \u0111\u1ec3 tr\u1edf th\u00e0nh b\u00e1c s\u0129, nha s\u0129 v\u00e0 c\u00e1c b\u00e1c s\u0129 kh\u00e1c th\u01b0\u1eddng \u0111\u00f2i h\u1ecfi sinh vi\u00ean ph\u1ea3i n\u1ed7 l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 n\u1ed9p \u0111\u01a1n xin h\u1ecdc mu\u1ed9n. Do \u0111\u00f3, c\u00e1c b\u00e1c s\u0129 c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh khi mu\u1ed1n mua nh\u00e0. May m\u1eafn thay, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e2n t\u00edch t\u00ecnh h\u00ecnh n\u00e0y v\u00e0 c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 gi\u00fap vi\u1ec7c s\u1edf h\u1eefu nh\u00e0 tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c b\u00e1c s\u0129, ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c th\u1ef1c t\u1eadp sinh m\u1edbi ra tr\u01b0\u1eddng.<\/p>\n

Trong b\u00e0i vi\u1ebft n\u00e0y, c\u00e1c l\u1ef1a ch\u1ecdn cho vay c\u00f3 xu h\u01b0\u1edbng h\u1ed7 tr\u1ee3 s\u1ed1 ti\u1ec1n l\u1edbn h\u01a1n so v\u1edbi t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 ch\u1eafc ch\u1eafn kh\u00f4ng y\u00eau c\u1ea7u tr\u1ea3 tr\u01b0\u1edbc. Ngo\u00e0i ra, ch\u00fang c\u00f2n mang l\u1ea1i kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh cao h\u01a1n v\u1ec1 th\u1eddi \u0111i\u1ec3m kho\u1ea3n vay \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng. Ch\u00fang h\u01b0\u1edbng \u0111\u1ebfn c\u00e1c m\u1ee5c ti\u00eau ch\u00ednh v\u00e0 m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u0169ng cung c\u1ea5p c\u00e1c l\u1ef1a ch\u1ecdn n\u00e0y cho c\u00e1c m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n.<\/p>\n

Kho\u1ea3n vay d\u00e0nh cho b\u00e1c s\u0129, hay c\u00f2n g\u1ecdi l\u00e0 kho\u1ea3n vay mua nh\u00e0 cho ng\u01b0\u1eddi h\u00e0nh ngh\u1ec1 y, th\u1ef1c ch\u1ea5t l\u00e0 kho\u1ea3n vay \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang nh\u1eb1m gi\u00fap c\u00e1c b\u00e1c s\u0129, chuy\u00ean gia y t\u1ebf v\u00e0 th\u1ef1c t\u1eadp sinh m\u1edbi ra tr\u01b0\u1eddng d\u1ec5 d\u00e0ng s\u1edf h\u1eefu nh\u00e0 h\u01a1n. C\u00e1c \u01b0u \u0111\u00e3i bao g\u1ed3m l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n, kh\u00f4ng c\u1ea7n b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI), h\u1ea1n m\u1ee9c vay cao h\u01a1n v\u00e0 t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp (DTI) linh ho\u1ea1t h\u01a1n. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi sinh vi\u00ean m\u1edbi t\u1ed1t nghi\u1ec7p c\u00f3 thu nh\u1eadp cao v\u00e0 gi\u00e1 nh\u00e0 h\u1ea1n ch\u1ebf m\u00e0 h\u1ea7u h\u1ebft h\u1ecd g\u1eb7p ph\u1ea3i khi mua nh\u00e0.<\/p>\n

Theo ti\u00eau chu\u1ea9n c\u1ee7a ng\u00e2n h\u00e0ng, c\u00e1c kho\u1ea3n vay chuy\u00ean nghi\u1ec7p c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p cho nh\u1eefng ng\u01b0\u1eddi vay c\u00f3 x\u1ebfp h\u1ea1ng t\u00edn d\u1ee5ng tr\u00ean 720 v\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng d\u01b0\u1edbi 720 nh\u01b0ng c\u00f3 m\u1ee5c \u0111\u00edch chi ti\u00eau ch\u00ednh, c\u00f4ng vi\u1ec7c v\u00e0 ngu\u1ed3n thu nh\u1eadp \u1ed5n \u0111\u1ecbnh. Ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ng\u01b0\u1eddi vay ch\u1ee9ng minh h\u1ecd l\u00e0 b\u00e1c s\u0129 ho\u1eb7c chuy\u00ean gia h\u00e0nh ngh\u1ec1 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, chuy\u00ean gia ch\u1ec9nh h\u00ecnh ho\u1eb7c nha khoa, \u0111ang trong th\u1eddi gian n\u1ed9i tr\u00fa ho\u1eb7c \u0111\u00e3 ho\u00e0n th\u00e0nh ch\u01b0\u01a1ng tr\u00ecnh h\u00e0nh ngh\u1ec1.<\/p>\n

V\u00ec vi\u1ec7c c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn ngay t\u1eeb \u0111\u1ea7u khi b\u1ea1n b\u1eaft \u0111\u1ea7u c\u00f4ng vi\u1ec7c, Truthful kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng tr\u01b0\u1edbc khi \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh quan tr\u1ecdng v\u1ec1 l\u1ed1i s\u1ed1ng, c\u00e1c b\u00e1c s\u0129 n\u00ean chu\u1ea9n b\u1ecb \u0111\u1ec3 xem vi\u1ec7c s\u1edf h\u1eefu nh\u00e0 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi h\u1ecd hay kh\u00f4ng. Thu\u00ea nh\u00e0 trong m\u1ed9t n\u0103m tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua th\u01b0\u1eddng l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c khuy\u00ean d\u00f9ng v\u00e0 cho h\u1ecd c\u01a1 h\u1ed9i \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, chi tr\u1ea3 c\u00e1c kho\u1ea3n ti\u1ec1n hi\u1ec7n t\u1ea1i \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed mua nh\u00e0. C\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng vi\u1ec7c c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe c\u00f3 th\u1ec3 c\u00f3 chi ph\u00ed cao h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n vay th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc th\u1ea5p h\u01a1n v\u00e0 b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI) th\u1ea5p h\u01a1n.<\/p>\n

Gi\u00e1 c\u1ea3<\/h2>\n

C\u00e1c kho\u1ea3n vay d\u00e0nh cho b\u00e1c s\u0129, hay c\u00f2n g\u1ecdi l\u00e0 t\u00edn d\u1ee5ng vay mua nh\u00e0 cho b\u00e1c s\u0129, th\u01b0\u1eddng l\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p huy \u0111\u1ed9ng v\u1ed1n mua nh\u00e0 chuy\u00ean nghi\u1ec7p d\u00e0nh cho b\u00e1c s\u0129, v\u1edbi y\u00eau c\u1ea7u \u0111\u1eb7t c\u1ecdc th\u1ea5p v\u00e0 kh\u00f4ng c\u1ea7n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI). Nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m n\u00e0y gi\u00fap vi\u1ec7c s\u1edf h\u1eefu nh\u00e0 tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c b\u00e1c s\u0129 m\u1edbi ra tr\u01b0\u1eddng, b\u00e1c s\u0129 n\u1ed9i tr\u00fa v\u00e0 b\u00e1c s\u0129 th\u1ef1c t\u1eadp, nh\u1eefng ng\u01b0\u1eddi s\u1ebd gia nh\u1eadp \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean t\u1ea1i c\u00e1c tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc c\u00f3 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf t\u1ed1t h\u01a1n so v\u1edbi b\u1ea1n b\u00e8 c\u1ee7a h\u1ecd, v\u00e0 th\u01b0\u1eddng kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ea5t k\u1ef3 kho\u1ea3n ph\u00ed n\u00e0o. Tuy nhi\u00ean, nh\u1eefng l\u1ee3i \u00edch n\u00e0y \u0111i k\u00e8m v\u1edbi m\u1ed9t c\u00e1i gi\u00e1, \u0111\u00f3 l\u00e0 l\u00e3i su\u1ea5t vay mua nh\u00e0 d\u00e0nh cho b\u00e1c s\u0129 c\u00f3 th\u1ec3 cao h\u01a1n m\u1ed9t ch\u00fat so v\u1edbi c\u00e1c kho\u1ea3n vay mua nh\u00e0 th\u00f4ng th\u01b0\u1eddng.<\/p>\n

M\u1ed9t s\u1ed1 ph\u1ea7n m\u1ec1m th\u1ebf ch\u1ea5p d\u00e0nh cho chuy\u00ean gia y t\u1ebf kh\u00e1c nhau, b\u1ea1n ph\u1ea3i cung c\u1ea5p th\u00f4ng tin cho m\u1ed9t ng\u00e2n h\u00e0ng ti\u00eau chu\u1ea9n, ng\u00e2n h\u00e0ng n\u00e0y bi\u1ebft v\u1ec1 c\u00f4ng vi\u1ec7c c\u1ee7a b\u1ea1n v\u00e0 b\u1eaft \u0111\u1ea7u duy tr\u00ec c\u00e1c m\u00e3 duy nh\u1ea5t c\u1ee7a th\u1ecfa thu\u1eadn ban \u0111\u1ea7u. H\u00e3y h\u1ecfi c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng v\u1ec1 c\u00e1ch h\u1ecd t\u1eadn d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh \u0111\u1ec3 t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp (DTI) v\u00e0 xem li\u1ec7u h\u1ecd c\u00f3 th\u1ec3 x\u1eed l\u00fd th\u1ee7 t\u1ee5c k\u1ebft th\u00fac tr\u01b0\u1edbc khi l\u00e0m vi\u1ec7c cho c\u00e1c b\u00e1c s\u0129 tham gia ch\u01b0\u01a1ng tr\u00ecnh n\u1ed9i tr\u00fa, nghi\u00ean c\u1ee9u sinh ho\u1eb7c nghi\u00ean c\u1ee9u ban \u0111\u1ea7u hay kh\u00f4ng.<\/p>\n

B\u00ean c\u1ea1nh vi\u1ec7c cung c\u1ea5p c\u00e1c m\u1ee9c ph\u00ed \u1ee9ng tr\u01b0\u1edbc c\u1ea1nh tranh cho b\u00e1c s\u0129, h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u01b0 v\u1ea5n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh tr\u01b0\u1edbc khi nh\u1eadn \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn c\u00f4ng vi\u1ec7c ho\u00e0n ch\u1ec9nh v\u00e0 h\u1ed3 s\u01a1, cho ph\u00e9p ng\u01b0\u1eddi vay nhanh ch\u00f3ng ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c v\u00e0 b\u1eaft \u0111\u1ea7u m\u1ed9t c\u00e1ch t\u1ef1 tin. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap c\u00e1c b\u00e1c s\u0129 c\u1ea1nh tranh t\u1ed1t h\u01a1n tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u00e0 tr\u00e1nh b\u1ecb tr\u00ec ho\u00e3n do ph\u1ea3i thanh to\u00e1n ph\u00ed h\u1ed3 s\u01a1 c\u00f4ng vi\u1ec7c ho\u1eb7c thu\u1ebf.<\/p>\n

Chi ph\u00ed<\/h2>\n

C\u00e1c c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 ti\u1ebfn b\u1ed9 chuy\u00ean nghi\u1ec7p mang l\u1ea1i cho b\u1ea1n nh\u1eefng th\u00e0nh c\u00f4ng nh\u1ea5t \u0111\u1ecbnh, h\u01b0\u1edbng d\u1eabn c\u00e1c b\u00e1c s\u0129, c\u00f4ng d\u00e2n v\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u l\u00e0m vi\u1ec7c. C\u00e1c \u0111\u1ea1i l\u00fd cho vay th\u1ebf ch\u1ea5p chuy\u00ean nghi\u1ec7p th\u01b0\u1eddng c\u00f3 y\u00eau c\u1ea7u tr\u1ea3 tr\u01b0\u1edbc th\u1ea5p h\u01a1n v\u00e0 kh\u00f4ng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p t\u01b0 nh\u00e2n (PMI) so v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng chuy\u00ean nghi\u1ec7p. H\u1ecd c\u0169ng lo\u1ea1i b\u1ecf kho\u1ea3n vay sinh vi\u00ean kh\u1ecfi c\u00e1c t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 t\u00e0i ch\u00ednh\/ti\u1ec1n m\u1eb7t c\u1ee7a c\u00e1 nh\u00e2n. \u0110i\u1ec1u n\u00e0y bi\u1ebfn vi\u1ec7c s\u1edf h\u1eefu nh\u00e0 tr\u1edf th\u00e0nh \u0111\u1ed9ng l\u1ef1c th\u1ef1c s\u1ef1 \u0111\u1ed1i v\u1edbi c\u00e1c b\u00e1c s\u0129 m\u1edbi ra tr\u01b0\u1eddng c\u00f3 thu nh\u1eadp th\u1ea5p v\u00e0 \u0111ang ph\u1ea3i chi tr\u1ea3 c\u00e1c kho\u1ea3n ph\u00ed h\u1ea1n ch\u1ebf.<\/p>\n

Tuy nhi\u00ean, h\u1ec7 th\u1ed1ng th\u1ebf ch\u1ea5p d\u00e0nh cho b\u00e1c s\u0129 c\u1ee7a b\u1ea1n h\u1ea7u nh\u01b0 kh\u00f4ng bao gi\u1edd b\u1ecf qua b\u1ea5t k\u1ef3 tr\u1edf ng\u1ea1i n\u00e0o n\u1ebfu b\u1ea1n mu\u1ed1n s\u1edf h\u1eefu nh\u00e0. H\u1ecd c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng qu\u00e1 kh\u1eaft khe v\u00e0 b\u1eaft \u0111\u1ea7u \u00e1p d\u1ee5ng c\u00e1c quy t\u1eafc t\u00e0i ch\u00ednh ch\u1eb7t ch\u1ebd h\u01a1n so v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c vay mua nh\u00e0 kh\u00e1c. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c c\u00e1c b\u00e1c s\u0129 n\u1ed9i tr\u00fa v\u00e0 th\u1ef1c t\u1eadp sinh m\u1edbi v\u00e0o ngh\u1ec1 \u0111\u01b0\u1ee3c nh\u1eadn nh\u00e0 s\u1edbm h\u01a1n (\u0111i\u1ec1u n\u00e0y l\u00e0 sai), v\u00e0 c\u00e1c b\u00e1c s\u0129 m\u1edbi ra tr\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eadn ph\u00f2ng cao h\u01a1n so v\u1edbi th\u1eddi \u0111i\u1ec3m h\u1ecd b\u1eaft \u0111\u1ea7u c\u00f4ng vi\u1ec7c (\u0111i\u1ec1u n\u00e0y l\u00e0 \u0111\u00e1ng lo ng\u1ea1i).<\/p>\n

Nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n mua thi\u1ebft b\u1ecb y t\u1ebf t\u1eeb c\u00e1c ph\u01b0\u01a1ng th\u1ee9c vay v\u1ed1n mua nh\u00e0 d\u00e0nh cho b\u00e1c s\u0129 n\u00ean so s\u00e1nh c\u00e1c ph\u01b0\u01a1ng th\u1ee9c cho vay m\u1ed9t c\u00e1ch t\u1eeb t\u1eeb \u0111\u1ec3 t\u00ecm ra ph\u01b0\u01a1ng \u00e1n t\u1ed1t nh\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee7a m\u00ecnh. B\u00ed quy\u1ebft l\u00e0 hi\u1ec3u r\u00f5 c\u00e1ch m\u1ed7i ng\u00e2n h\u00e0ng x\u1eed l\u00fd h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh v\u00e0 b\u1eb1ng ch\u1ee9ng v\u1ec1 ngu\u1ed3n v\u1ed1n c\u1ee7a b\u00e1c s\u0129. H\u00e3y h\u1ecfi v\u1ec1 c\u00e1ch m\u1ed7i ng\u00e2n h\u00e0ng cho ph\u00e9p b\u00e1c s\u0129 vay v\u1ed1n tr\u01b0\u1edbc, ho\u00e3n tr\u1ea3 n\u1ee3 v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn tr\u1ea3 n\u1ee3 theo k\u1ef3 h\u1ea1n, v\u00ec y\u1ebfu t\u1ed1 n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn vi\u1ec7c ng\u01b0\u1eddi vay c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n hay kh\u00f4ng. M\u1ed9t y\u1ebfu t\u1ed1 kh\u00e1c c\u1ea7n xem x\u00e9t l\u00e0 c\u00e1ch m\u1ed7i ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd vi\u1ec7c \u0111\u00f3ng h\u1ed3 s\u01a1 tr\u01b0\u1edbc khi \u0111i l\u00e0m, v\u00ec \u0111i\u1ec1u n\u00e0y c\u1ea7n thi\u1ebft cho ng\u01b0\u1eddi d\u00e2n v\u00e0 nh\u1eefng ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng.<\/p>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft n\u1ed9i dung \u0110i\u1ec1u ki\u1ec7n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n Nh\u1eefng l\u1ee3i \u00edch Gi\u00e1 c\u1ea3 Chi ph\u00ed C\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng chuy\u00ean bi\u1ec7t cung c\u1ea5p cho c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng c\u01a1 h\u1ed9i s\u1edf h\u1eefu nh\u00e0 \u1edf v\u1ec1 m\u1eb7t kinh t\u1ebf d\u00e0nh cho c\u00e1c chuy\u00ean gia ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-46981","post","type-post","status-publish","format-standard","hentry","category-advices"],"_links":{"self":[{"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/posts\/46981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/comments?post=46981"}],"version-history":[{"count":1,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/posts\/46981\/revisions"}],"predecessor-version":[{"id":46982,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/posts\/46981\/revisions\/46982"}],"wp:attachment":[{"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/media?parent=46981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/categories?post=46981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gsbagga.com\/beta\/wp-json\/wp\/v2\/tags?post=46981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}