NAATI CCL Vietnamese Tài chính & Ngân hàng — Bài luyện tập

Good morning. Welcome to Commonwealth Bank. How can I help you today?

Tôi mới đến Úc cần mở tài khoản. Visa sinh viên. Cần gì?

If you've arrived within the past six weeks, you only need your passport to open an account. After six weeks, you'll need additional identification. When did you arrive?

Đến tuần trước. Có hộ chiếu và thư xác nhận visa. Tiết kiệm hay giao dịch?

For students, I'd recommend both. A transaction account is for everyday purchases and ATM use, and a savings account is for putting money aside. The student account has no fees.

Thẻ ghi nợ có ngay không?

We can give you a temporary debit card today. The permanent card arrives within seven business days. I'll also set up internet banking so you can manage your account online.

Chuyển tiền ra nước ngoài từ tài khoản này được không? Muốn gửi cho gia đình.

Yes, you can make international transfers through internet banking. The fee varies by destination — usually fifteen to thirty dollars. Processing takes one to three business days.

Lo về bảo mật ngân hàng trực tuyến.

It's protected by two-factor authentication, encryption, and fraud detection. Never share your password or click links in emails claiming to be from the bank.

Cảm ơn. Muốn mở cả hai tài khoản.

Good morning. You've applied for a six-hundred-thousand-dollar home loan. Let's go through the details.

Đây là nhà đầu tiên. Tiết kiệm tiền cọc năm năm rồi.

How much deposit have you saved? The ratio to the purchase price is important. If it's more than twenty per cent, you won't need lenders mortgage insurance.

Có một trăm hai mươi nghìn. Giá nhà bảy trăm năm mươi nghìn, khoảng mười sáu phần trăm.

At sixteen per cent deposit, you'll need lenders mortgage insurance — LMI. It's usually ten to twenty thousand dollars but can be added to the loan amount.

Chương trình chính phủ là gì?

The First Home Buyer Guarantee lets you buy with just five per cent deposit and no LMI. Places are limited and allocated on a first-come basis each financial year.

Lãi suất cố định hay thả nổi?

A fixed rate gives certainty for one to five years but limits extra repayments. A variable rate changes with the market but offers more flexibility, like an offset account.

Trả hàng tháng bao nhiêu?

For six hundred thousand over thirty years at six point five per cent, monthly repayments are approximately three thousand eight hundred. I'd also recommend building an emergency buffer.

Khả năng được duyệt cao không?

Thank you for coming in. You've reported unauthorised transactions on your credit card.

Kiểm tra sao kê thấy năm giao dịch lạ. Toàn mua online nước ngoài, tổng hai nghìn ba trăm.

We've already frozen the card and will issue a new one. We'll launch an investigation into the unauthorised transactions — a provisional refund is usually made within thirty days.

Ba mươi ngày lâu. Vẫn phải trả hai nghìn ba trăm à?

No, you're not required to pay the disputed amount. No interest will accrue during the investigation either. Just continue making your normal card payments.

Lo thẻ bị lộ bằng cách nào.

Common methods include phishing — fake emails or websites — skimming devices on ATMs or card readers, and data breaches. Have you recently clicked on any suspicious emails or links?

Tuần trước tưởng email ngân hàng, bấm link và nhập số thẻ.

That was a phishing scam. The bank never asks for your card number by email. Always check the sender's address carefully, and never click links in suspicious emails.

Cần làm gì thêm để bảo vệ?

Set up a credit alert so you're notified if anyone opens a new account in your name. You can also check your credit report for free once a year through Equifax.

Sẽ làm hết. Bị lừa xấu hổ nhưng học được bài.

Welcome. Let's work through your tax return for this financial year together. Have you brought the necessary documents?

Có — phiếu lương, chứng nhận lãi ngân hàng, hóa đơn chi phí công việc.

Let's start by confirming your income. Do you have any income besides your main employment — such as a side job or sharing economy income?

Cuối tuần chạy Uber. Cổ tức cổ phiếu nhỏ nữa.

Both need to be declared. For Uber, you can claim deductions for car maintenance, petrol, insurance, and a portion of your mobile phone costs. Have you been keeping a log of your kilometres?

App có ghi. Hóa đơn bảo hiểm cũng có.

Excellent. Let's also check the expenses from your main job. Do you work from home? If so, you can claim part of your electricity, internet, and office supplies.

Hai ngày tuần ở nhà. Tính thế nào?

For working from home there's a fixed-rate method — sixty-seven cents per hour. You only need to record the number of hours worked from home. Over a year it adds up to a considerable deduction.

Ảnh hưởng đến HECS không?

Yes, once your taxable income exceeds a certain threshold, HECS repayments are triggered. This is calculated on your total income including Uber earnings. At your income level, the repayment rate is around four per cent.

Tính hết cho biết số tiền hoàn thuế.

Good morning. You're enquiring about rolling over superannuation from your previous employer. Can I have your account number?

Một hai ba bốn năm sáu bảy tám. Đổi việc nên có hai tài khoản super. Muốn gộp.

Having multiple super accounts means paying duplicate fees, which eats into your balance. Consolidating is a smart decision. Do you know the fund name and number for the old account?

Biết tên công ty cũ nhưng không biết tên quỹ.

You can search for 'lost super' through your myGov account. The ATO keeps records of all super accounts. With your TFN, it will show everything.

Trước khi gộp cần kiểm tra gì?

Yes, a few important things. Check whether the old fund has any insurance attached — consolidating could cancel that insurance. Also compare fees and investment performance to decide which fund to keep.

Không biết có bảo hiểm. Kiểm tra sao?

Check the latest annual statement from the old fund, or call them directly. Many funds automatically combine when there's only one employer contributing.

Thông tin hay. Kiểm tra trước rồi gộp.

One more thing — consider your investment options. If you're young, a growth option suits you. If you're closer to retirement, a balanced or conservative option is more appropriate. What option are you currently on?

Không biết, chưa bao giờ kiểm tra. Về nhà xem cả hai rồi liên hệ lại.

Welcome. This is a free and confidential service. Can you tell me about your financial situation?

Nợ bốn thẻ tín dụng, hai khoản vay cá nhân và mua trước trả sau. Tổng hơn sáu mươi nghìn. Trả tối thiểu cũng không nổi.

First of all, don't panic. There are solutions. Let's organise all your debts and prioritise them. Essentials like rent and utilities come first.

Cuộc gọi đòi nợ hàng ngày. Sợ không dám nghe.

Debt collectors are restricted by law. Threatening behaviour, excessive contact, and contacting your workplace are all illegal. I can negotiate with your creditors on your behalf and set up a payment plan.

Tưởng chỉ có cách phá sản.

Bankruptcy is a last resort. Let's explore other options first — a debt agreement, negotiating reduced payments, or freezing interest. In many cases, creditors will agree to settle for less than the full amount.

Nợ mua trước trả sau cũng thương lượng được?

Yes, buy-now-pay-later debts can be negotiated the same way as other debts. Many providers have hardship programs that allow you to pause or reduce payments.

Ảnh hưởng điểm tín dụng không?

Late payments have already affected your credit score. But sticking to a repayment plan for twelve months will show improvement. We can also negotiate lower interest rates with your creditors.

Tuần sau mang đầy đủ chi tiết nợ. Lần đầu thấy có thể giải quyết.

You'd like to send money overseas. How much and to which country?

Gửi năm nghìn cho gia đình ở Philippines. Cần đến nhanh nhất.

There are several options. A bank transfer takes two to three business days and the fee is twenty-two dollars. Services like Western Union deliver within minutes, but the exchange rate margin is larger. Let's compare.

Có phí ẩn không? Trước dùng dịch vụ khác, số hiện và thực nhận khác nhau.

The exchange rate margin can be a hidden cost. Before sending, always confirm how much the recipient will actually receive after all fees and conversion are applied.

Người nhận lấy qua ngân hàng hay tiền mặt?

Both are possible. A bank transfer is cheapest and most secure. Cash pickup costs more but is faster — usually available within hours. Which does your family prefer?

Gửi định kỳ có giảm không?

Setting up regular transfers may qualify for a reduced fee. There's also an option to send automatically when the exchange rate is favourable. I'd recommend setting up a monthly transfer.

Lo lừa đảo chuyển tiền. Gửi an toàn thế nào?

Always use licensed remittance providers. Never send money to strangers. Only use banks or authorised transfer services. If an offer seems too good to be true, it's likely a scam.

Cảm ơn. Hôm nay muốn chuyển qua tài khoản ngân hàng.