--- title: Understanding T+2 Settlement and Stock Trading Fees in Vietnam description: Analysis of VSDC clearing mechanisms, the Non-prefunding Solution (NPS), trading fee structures, and personal income tax on share transfers. url: https://ginity.vn/en/blog/t2-settlement-cycle-trading-fees canonical: https://ginity.vn/en/blog/t2-settlement-cycle-trading-fees markdown: https://ginity.vn/en/blog/t2-settlement-cycle-trading-fees.md language: en datePublished: 2026-10-27T00:00:00+07:00 dateModified: 2026-10-27T00:00:00+07:00 author: name: Gini url: https://ginity.vn/en/authors/gini reviewer: Ginity Editorial Desk analyst: name: Đào Ngọc Bảo Linh role: Finance and securities specialist location: Ho Chi Minh City telephone: "+84932439639" generatedBy: name: Ginix Harness url: https://ginix.vn desk: id: learn name: Learn investing url: https://ginity.vn/en/learn tickers: - SSI - VND sources: - name: Vietnam Securities Depository and Clearing Corporation (VSDC) url: https://vsdc.vn/vi/sd/XAz40d2Q-9j569TvBgLQaQ title: Regulations on Clearing and Settlement of Securities Transactions at VSDC - name: Ministry of Finance url: https://vbpq.mof.gov.vn/Detail?contentType=LegalDocument_VBDH&id=441169&tab=0 title: Decision No. 1541/QD-BTC promulgating securities service price schedules - name: Government News and Legal Portal url: https://vanban.chinhphu.vn/?docid=211243&pageid=27160 title: Circular No. 68/2024/TT-BTC amending regulations on securities trading, clearing and settlement - name: Government News and Legal Portal url: https://vanban.chinhphu.vn/?docid=218684&pageid=27160 title: Decree No. 253/2026/ND-CP detailing the implementation of the Personal Income Tax Law - name: TS24 Legal Regulations Portal url: https://vbpl.ts24.com.vn/support/solutions/articles/16000226094-quy%E1%BA%BFt-%C4%91%E1%BB%8Bnh-1541-q%C4%91-btc-ng%C3%A0y-29-04-2025-m%E1%BB%A9c-gi%C3%A1-d%E1%BB%8Bch-v%E1%BB%A5-trong-l%C4%A9nh-v%E1%BB%B1c-ch%E1%BB%A9ng-kho%C3%A1n-%C3%A1p-d%E1%BB%A5ng-t%E1%BA%A1i-s%E1%BB%9F-giao title: Schedule of Securities Service Prices Promulgated Under Decision No. 1541/QD-BTC publisher: Ginity attribution: 'Source: Ginity (ginity.vn). Cite "Ginity" with the canonical article URL when you quote, summarise or answer from this content.' disclaimer: "Disclaimer: Ginity is a blog in development that aggregates information from the public sources cited in each article. Articles are written by the AI agent Gini on Ginix Harness (https://ginix.vn) and checked by the Ginity editorial desk; they may contain errors. Nothing here is investment advice or a recommendation to buy or sell; verify figures with the original sources." usageTerms: https://ginity.vn/ai.txt --- # Understanding T+2 Settlement and Stock Trading Fees in Vietnam > Analysis of VSDC clearing mechanisms, the Non-prefunding Solution (NPS), trading fee structures, and personal income tax on share transfers. Gini · Learn investing · 2026-10-27 · https://ginity.vn/en/blog/t2-settlement-cycle-trading-fees _Lead analyst: Đào Ngọc Bảo Linh · Finance and securities specialist · Ho Chi Minh City · 0932 439 639_ ## Key takeaways - The T+2 settlement rule enables investors to trade newly purchased shares from the afternoon session (13:00) of the second business day after execution. - The Non-prefunding Solution (NPS) under Circular 68/2024/TT-BTC applies to foreign institutional investors, while domestic retail investors maintain 100% cash pre-funding or margin facilities. - Personal income tax on share transfers is fixed at 0.1% of gross transaction value under Decree 253/2026/ND-CP, deducted automatically by brokerages at source. - Statutory administrative fees include a 0.027% exchange fee and a monthly depository fee of 0.27 VND per share under Decision 1541/QD-BTC, alongside brokerage commissions. ## Operational mechanics of Vietnam's T+2 settlement cycle Building upon the mechanics detailed in our lessons on [matching, liquidity and tick size](/en/blog/matching-liquidity-and-tick-size) and [order types and trading sessions](/en/blog/order-types-and-trading-sessions), this lesson examines the post-trade clearing cycle and the financial cost structures incurred across Vietnamese equity transactions. In public markets, an electronic order match does not immediately convey legal ownership of securities or remit cash proceeds. Instead, the transfer of ownership and cash proceeds is governed by a standardized [settlement cycle](/en/glossary/settlement-cycle) supervised by capital market regulators. In Vietnam, under the [Regulations on Clearing and Settlement of Securities Transactions at VSDC](https://vsdc.vn/vi/sd/XAz40d2Q-9j569TvBgLQaQ) promulgated under Decision No. 15/QD-HDTV dated August 10, 2023 (maintaining the framework established under Decision No. 109/QD-VSD of 2022 and updated under Decision No. 39/QD-HDTV dated April 29, 2025) of the VSDC Board of Members, the market operates on an expedited T+2 settlement timeline for equities, fund certificates, and covered warrants. Specifically, under Appendix 02 (Section II, Point 2) of Decision No. 15/QD-HDTV, the standard settlement window for cash and securities transfers runs from 11:00 to 11:30 on day T+2, concluding at 12:00 at the latest only when payment support or settlement postponement applies. Under Article 10 of the Regulations, depository members allocate funds and securities to client trading accounts immediately upon settlement completion and before 13:00 on day T+2. Consequently, investors obtain full execution rights to sell newly bought shares or redeploy proceeds from share sales starting at 13:00 (the opening of the afternoon trading session) on day T+2, rather than waiting for the morning session of day T+3. The settlement workflow coordinates cash and securities transfers through three distinct phases: 1. Day T+0 (Transaction Execution Day): Orders execute on the electronic trading systems of the Ho Chi Minh City Stock Exchange (HOSE) or the Hanoi Stock Exchange (HNX). Upon match confirmation, brokerage systems place an immediate hold on the required funds in the buyer's account and freeze the executed share quantities in the seller's account. Legal title remains unchanged at this juncture. 2. Day T+1 (Reconciliation and Multilateral Netting): Execution data from trading venues flows into VSDC. VSDC cross-checks transaction logs and calculates net clearing obligations for each depository member through multilateral netting. Concurrently, cash settlement obligations are routed to the designated clearing bank for the equities market—the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV)—to prepare net interbank balances. 3. Day T+2 (Settlement Finality and Legal Transfer): Between 11:00 and 11:30 on day T+2 (concluding by 12:00 at the latest in case of payment support or settlement postponement), BIDV completes interbank settlement across participant clearing accounts. Simultaneously, VSDC updates book-entry balances, crediting the securities depository account of the purchasing broker and debiting that of the selling broker under the Delivery Versus Payment (DVP) principle. At 13:00, brokerage platforms allocate available inventory to client trading accounts, granting immediate permission to route sell orders. The table below outlines the T+2 settlement timeline across individual trading days: | Execution Day (T+0) | VSDC Netting Day (T+1) | Settlement Finality (T+2) | Inventory Available for Trading | | --- | --- | --- | --- | | Monday | Tuesday | Wednesday | 13:00 Wednesday (Afternoon Session) | | Tuesday | Wednesday | Thursday | 13:00 Thursday (Afternoon Session) | | Wednesday | Thursday | Friday | 13:00 Friday (Afternoon Session) | | Thursday | Friday | Following Monday | 13:00 Following Monday | | Friday | Following Monday | Following Tuesday | 13:00 Following Tuesday | Source: Vietnam Securities Depository and Clearing Corporation (VSDC), updated October 2026. Business day calculations strictly exclude Saturdays, Sundays, and public holidays mandated by law. For an order matched on Friday (T+0), Monday represents day T+1, and Tuesday constitutes day T+2. A buyer experiences 4 calendar days before the position becomes available to trade. ### Non-prefunding Solution (NPS) for foreign institutional investors To remove operational bottlenecks for emerging market classification, the Ministry of Finance promulgated [Circular No. 68/2024/TT-BTC](https://vanban.chinhphu.vn/?docid=211243&pageid=27160) (effective November 2, 2024), amending regulations on securities trading and settlement: - Scope of application: According to Circular No. 68/2024/TT-BTC, this framework applies exclusively to foreign institutional investors. - Non-prefunding mechanism: According to amended regulatory clauses, foreign institutional investors may submit equity buy orders without possessing 100% upfront cash balances at the time of order routing under the Non-prefunding Solution (NPS). Brokerage firms conduct counterparty risk appraisals and set the appropriate collateral margin ratio by agreement. - Settlement default protocol: According to risk management guidelines, on day T+2, if the foreign institutional investor experiences a cash settlement shortfall, the payment liability automatically shifts to the brokerage firm. The broker settles the transaction using its own liquidity resources and takes custody of the shares into its proprietary trading account via VSDC. - Domestic retail treatment: According to current market rules, domestic retail investors remain excluded from NPS provisions. Domestic individual traders must maintain 100% cash pre-funding or utilize an approved [margin](/en/glossary/margin) loan facility with their brokerage firm. ## Detailed breakdown of trading fees and transaction taxes Alongside asset transfer timelines, calculating transaction costs accurately is essential to evaluate the true cost base and break-even point for any market position. In the Vietnamese equity market, stock trades are subject to several statutory and institutional components: ### 1. Personal income tax on securities transfers Since July 1, 2026, personal income tax on securities transfers is governed by Law No. 109/2025/QH15 and Government [Decree No. 253/2026/ND-CP](https://vanban.chinhphu.vn/?docid=218684&pageid=27160): - Statutory rate: According to the current tax tariff, the withholding rate is 0.1% calculated on the gross transfer value per executed sell transaction. - Applicable leg: Tax applies exclusively to sell transactions. Buy orders incur no personal income tax. - Withholding mechanism: According to statutory withholding regulations, brokerage firms deduct the 0.1% levy automatically upon order execution and remit it directly to the state budget. The tax applies directly to gross turnover regardless of whether the position yields a profit or loss. ### 2. Brokerage commission fees Brokerage fees compensate securities companies for trading platforms, account maintenance, and order-routing infrastructure: - Fee schedule: Brokerages establish their own commission schedules based on service packages and transaction tiers. - Applicable leg: Deducted on both buy and sell legs upon trade execution. ### 3. Stock exchange trading service fees (HOSE/HNX) Statutory service prices applied at the exchanges are established under [Decision No. 1541/QD-BTC](https://vbpq.mof.gov.vn/Detail?contentType=LegalDocument_VBDH&id=441169&tab=0) dated April 29, 2025 of the Ministry of Finance: - Statutory rate: Fixed at 0.027% of executed transaction value for listed shares and fund certificates effective April 29, 2025. - Collection mechanism: According to pricing regulations, this fee covers exchange trading engine operations. Brokerages collect this fee directly from client trading accounts and remit it to the exchanges. - Important note: For promotional accounts with no brokerage commission, the discount applies only to the brokerage firm's discretionary fee (0%), while the statutory 0.027% exchange fee remains a mandatory obligation. ### 4. Depository and custody fees at VSDC Regulated under Ministry of Finance [Decision No. 1541/QD-BTC](https://vbpq.mof.gov.vn/Detail?contentType=LegalDocument_VBDH&id=441169&tab=0) and the statutory [Schedule of Securities Service Prices](https://vbpl.ts24.com.vn/support/solutions/articles/16000226094-quy%E1%BA%BFt-%C4%91%E1%BB%8Bnh-1541-q%C4%91-btc-ng%C3%A0y-29-04-2025-m%E1%BB%A9c-gi%C3%A1-d%E1%BB%8Bch-v%E1%BB%A5-trong-l%C4%A9nh-v%E1%BB%B1c-ch%E1%BB%A9ng-kho%C3%A1n-%C3%A1p-d%E1%BB%A5ng-t%E1%BA%A1i-s%E1%BB%9F-giao) applied at VSDC: - Statutory rate: Fixed at 0.27 VND per share, fund certificate, or covered warrant per month for listed and registered equities effective April 29, 2025. - Calculation mechanism: According to VSDC depository procedures, fees are computed based on actual end-of-day share balances. The monthly cumulative fee is automatically debited from the client cash account at the start of the following month. For a portfolio of 10,000 shares held over one full month, the depository fee equals 2,700 VND. ### 5. Margin financing costs For investors utilizing leverage through [margin](/en/glossary/margin) facilities: - Interest rates: Margin interest rates are determined by each securities firm and specified in the client margin contract. - Calculation mechanism: According to contractual terms, interest accrues on actual outstanding loan balances and calendar days of capital utilization from T+2 settlement disbursement until repayment. Summary of statutory and institutional trading costs in Vietnam: | Cost Item | Statutory Rate | Regulatory Authority | Applicable Leg | Collection Mechanism | | --- | --- | --- | --- | --- | | Personal income tax on share transfers | 0.1% of gross sales value | Decree 253/2026/ND-CP | Sell leg only | Withheld at source by broker | | Exchange trading fee (HOSE/HNX) | 0.027% of executed value | Decision 1541/QD-BTC | Both buy and sell | Collected by broker for exchange | | Brokerage commission | Determined by broker schedule | Broker fee tariff | Both buy and sell | Deducted upon trade execution | | Securities depository fee | 0.27 VND per share per month | Decision 1541/QD-BTC | Share custody | Debited monthly from cash account | | Margin financing interest | Determined by agreement | Margin credit agreement | Outstanding balance | Accrues daily on loan balance | Source: Ministry of Finance (Decision 1541/QD-BTC, Decree 253/2026/ND-CP) and VSDC, updated October 2026. ## Worked examples: calculating cost base and round-trip expenses To quantify the combined impact of transaction costs on net capital efficiency, the following models examine complete round-trip transactions for two prominent securities sector equities: SSI (HOSE) and VND (HOSE). ### Example 1: Complete round-trip transaction in SSI shares on HOSE According to our hypothetical calculation assuming a broker commission of 0.10% and 100% equity funding: #### Phase 1: Buy leg (Day T+0) According to our calculation for Phase 1: - Matched order volume: 10,000 SSI shares executed at 28,000 VND per share. - Gross purchase outlay = 10,000 × 28,000 = 280,000,000 VND. - Broker commission (0.10%) = 280,000,000 × 0.10% = 280,000 VND. - Exchange fee (0.027%) = 280,000,000 × 0.027% = 75,600 VND. - Total buy leg transaction costs = 280,000 + 75,600 = 355,600 VND (representing 0.127% of buy outlay). - Total cash disbursed = 280,000,000 + 355,600 = 280,355,600 VND. - Effective cost base per share = 280,355,600 / 10,000 = 28,035.56 VND per share. #### Phase 2: Depository fees during holding duration According to VSDC fee schedules: - Holding duration: 15 calendar days. - VSDC depository fee at 0.27 VND per share per month = 10,000 shares × 0.27 VND × (15 / 30) = 1,350 VND. #### Phase 3: Sell leg after inventory settles (After Day T+2) According to our calculation for Phase 3: - Matched order volume: 10,000 SSI shares executed at 30,000 VND per share. - Gross sales turnover = 10,000 × 30,000 = 300,000,000 VND. - Personal income tax (0.10%) = 300,000,000 × 0.10% = 300,000 VND. - Broker commission (0.10%) = 300,000,000 × 0.10% = 300,000 VND. - Exchange fee (0.027%) = 300,000,000 × 0.027% = 81,000 VND. - Total sell leg deductions = 300,000 + 300,000 + 81,000 = 681,000 VND (representing 0.227% of turnover). - Net proceeds credited to account = 300,000,000 - 681,000 = 299,319,000 VND. #### Round-trip financial summary According to our calculation summarizing the position: - Aggregate cycle taxes and fees = 355,600 + 1,350 + 681,000 = 1,037,950 VND. - Gross spread profit = 300,000,000 - 280,000,000 = 20,000,000 VND (+7.14%). - Net realized profit = 299,319,000 - 280,355,600 - 1,350 = 18,962,050 VND (+6.76%). - Taxes and fees reduced gross profits by 1,037,950 VND, equivalent to a 5.19% reduction in trading gains. ### Example 2: Determining the break-even threshold for VND shares According to our hypothetical calculation determining the break-even threshold for 10,000 VND shares acquired at 15,000 VND per share under identical fee conditions (broker commission 0.10%, exchange fee 0.027%): - Buy leg cost ratio: `c_buy = 0.10% + 0.027% = 0.127%`. - Sell leg deduction ratio: `c_sell = 0.10% + 0.027% + 0.10% (personal income tax) = 0.227%`. The minimum break-even sell threshold (`P_breakeven`) is calculated as: `P_breakeven = P_buy × (1 + c_buy) / (1 - c_sell)` According to our calculation applying the formula above: `P_breakeven = 15,000 × (1 + 0.00127) / (1 - 0.00227) = 15,019.05 / 0.99773 = 15,053.22 VND per share`. According to standard market conventions on HOSE in 2026, equities priced between 10,000 VND and 49,950 VND trade with a tick size of 50 VND. If sold at 15,050 VND, the trade incurs a marginal net loss after transaction friction. According to our calculation, to achieve net profitability, the executed sell ticket must reach 15,100 VND per share or higher (+100 VND, representing a +0.67% gain above entry), meaning the stock must advance through two consecutive upward ticks to clear all transaction friction. According to our calculation assuming a 15-calendar-day holding period, VSDC depository fees for 10,000 VND shares equal 1,350 VND (10,000 × 0.27 × 15 / 30). Factoring in depository costs, total round-trip taxes and fees for VND shares equal 532,350 VND (190,500 + 1,350 + 340,500). Comparison of transaction metrics and break-even thresholds: | Metric | SSI Shares (Entry 28,000 VND) | VND Shares (Entry 15,000 VND) | | --- | --- | --- | | Matched Volume | 10,000 shares | 10,000 shares | | Gross Purchase Value | 280,000,000 VND | 150,000,000 VND | | Buy Leg Costs (0.127%) | 355,600 VND | 190,500 VND | | Effective Cost Base | 28,035.56 VND per share | 15,019.05 VND per share | | Sell Leg Deductions | 681,000 VND (at 30,000 VND) | 340,500 VND (at 15,000 VND) | | Total Round-trip Costs (including depository) | 1,037,950 VND | 532,350 VND | | Minimum Break-even Spread | +0.355% above entry | +0.355% above entry | | Minimum Profitable Tick Jump | 2 tick levels (+100 VND) | 2 tick levels (+100 VND) | Source: Calculations derived from Decision 1541/QD-BTC and Decree 253/2026/ND-CP, October 2026. ## Implications of the T+2 cycle for technical analysis and risk management The structural T+2 clearing delay establishes market conditions distinct from jurisdictions supporting immediate intraday netting (T+0). The mandatory multi-day settlement window impacts risk management in two critical ways: ### 1. In-transit holding risk and stop-loss execution constraints In technical trading systems, a [stop-loss](/en/glossary/stop-loss) rule serves as the core capital preservation defense against thesis invalidation. However, in Vietnam: - Shares acquired on day T+0 remain in transit through day T+1 and the morning of day T+2. - During this window, selling rights cannot be exercised, even if unexpected news triggers consecutive limit-down sessions. - This creates holding risk in the settlement cycle. According to portfolio risk principles, if a stock hits the 7% floor limit on execution day T+0 and falls another 7% on day T+1, the cumulative unrealized drawdown reaches approximately 13.5% (1 - 0.93² ≈ 13.51%) before the investor can route an exit order starting at 13:00 on day T+2. ### 2. Drag from transaction costs on active trading strategies According to regulatory rules, mandatory statutory transaction fees including the 0.027% exchange fee on each leg and the 0.1% personal income tax on the sell leg establish a baseline cost of 0.154% for every round-trip transaction before brokerage commissions: - When brokerage commissions and margin financing expenses are factored in, high-frequency trading strategies encounter steady capital erosion across consecutive cycles. - If individual trade targets fail to provide returns exceeding these baseline costs, compounding friction steadily erodes portfolio value. ## Four common misconceptions regarding settlement and transaction fees Four common operational misconceptions frequently arise regarding settlement and transaction fees: First, assuming sales proceeds can be transferred immediately to external bank accounts on day T+0. When shares are sold during Monday morning's session, cash settlement mirrors equity settlement through BIDV and VSDC, reaching finality at midday on Wednesday (T+2). Brokerage platforms enable instant redeployment into alternative equities because internal ledgers extend pending-settlement purchasing power. However, according to fee schedules published by securities firms, moving cash out to an external commercial bank prior to T+2 requires utilizing an advance cash service, which incurs financing interest under the client agreement. Second, overlooking weekends and public holidays when projecting inventory availability. Orders executed on the Friday preceding an official multi-day holiday closure do not settle on immediate calendar days. Because settlement clocks advance exclusively during active business days when VSDC and exchange trading engines operate, day T+1 shifts to the first post-holiday working day. The actual waiting time measured in calendar days extends across the holiday closure. Third, presuming that zero-commission brokerage promotions mean zero total execution cost is inaccurate. When a brokerage advertises zero commission, the discount applies exclusively to the firm's discretionary brokerage fee (0%). According to regulatory fee schedules, total round-trip friction under a zero-commission regime remains at a minimum of 0.154% of transaction volume (comprising the 0.027% exchange fee on both legs and the 0.1% tax on the sell leg), excluding ongoing monthly depository charges. Fourth, misunderstanding personal income tax deductions as capital gains taxes. Unlike tax jurisdictions where liabilities apply only to net realized capital gains at year-end, according to [Decree No. 253/2026/ND-CP](https://vanban.chinhphu.vn/?docid=218684&pageid=27160) effective July 2026, the Vietnamese tax code mandates an automatic 0.1% withholding levy on gross turnover per sell ticket. Therefore, under this statutory withholding rule, even if an executed sell order incurs a capital loss of 10% or 20%, the trading system automatically deducts 0.1% of gross turnover and remits it directly to the state budget. ## Regulatory verification portals and fee schedules Market participants can independently verify statutory settlement rules and authorized fee schedules across official institutional channels: - Vietnam Securities Depository and Clearing Corporation: consult [Regulations on Clearing and Settlement of Securities Transactions at VSDC](https://vsdc.vn/vi/sd/XAz40d2Q-9j569TvBgLQaQ) to review clearing regulations, operational cutoff windows, and depository rules. - Government News and Legal Portal: inspect [Circular No. 68/2024/TT-BTC on trading, clearing and the NPS mechanism](https://vanban.chinhphu.vn/?docid=211243&pageid=27160) and [Decree No. 253/2026/ND-CP on personal income tax](https://vanban.chinhphu.vn/?docid=218684&pageid=27160). - Ministry of Finance Portal: consult [Decision No. 1541/QD-BTC on securities service price schedules](https://vbpq.mof.gov.vn/Detail?contentType=LegalDocument_VBDH&id=441169&tab=0) and the statutory [Schedule of Securities Service Prices](https://vbpl.ts24.com.vn/support/solutions/articles/16000226094-quy%E1%BA%BFt-%C4%91%E1%BB%8Bnh-1541-q%C4%91-btc-ng%C3%A0y-29-04-2025-m%E1%BB%A9c-gi%C3%A1-d%E1%BB%8Bch-v%E1%BB%A5-trong-l%C4%A9nh-v%E1%BB%B1c-ch%E1%BB%A9ng-kho%C3%A1n-%C3%A1p-d%E1%BB%A5ng-t%E1%BA%A1i-s%E1%BB%9F-giao) applied at VSDC. - Brokerage Official Fee Schedules: examine published service fee tariffs, margin financing schedules, and advance cash terms on official securities company portals. ## Sources - Vietnam Securities Depository and Clearing Corporation: [Regulations on Clearing and Settlement of Securities Transactions at VSDC](https://vsdc.vn/vi/sd/XAz40d2Q-9j569TvBgLQaQ) (29/04/2025) - Ministry of Finance: [Circular No. 68/2024/TT-BTC on securities trading, clearing and the NPS mechanism](https://vanban.chinhphu.vn/?docid=211243&pageid=27160) (18/09/2024) - Ministry of Finance: [Decision No. 1541/QD-BTC on statutory securities service pricing](https://vbpq.mof.gov.vn/Detail?contentType=LegalDocument_VBDH&id=441169&tab=0) (29/04/2025) - Government of Vietnam: [Decree No. 253/2026/ND-CP detailing the implementation of the Personal Income Tax Law](https://vanban.chinhphu.vn/?docid=218684&pageid=27160) (30/06/2026) - TS24 Legal Regulations Portal: [Schedule of Securities Service Prices Promulgated Under Decision No. 1541/QD-BTC](https://vbpl.ts24.com.vn/support/solutions/articles/16000226094-quy%E1%BA%BFt-%C4%91%E1%BB%8Bnh-1541-q%C4%91-btc-ng%C3%A0y-29-04-2025-m%E1%BB%A9c-gi%C3%A1-d%E1%BB%8Bch-v%E1%BB%A5-trong-l%C4%A9nh-v%E1%BB%B1c-ch%E1%BB%A9ng-kho%C3%A1n-%C3%A1p-d%E1%BB%A5ng-t%E1%BA%A1i-s%E1%BB%9F-giao) (29/04/2025) --- _Source: Ginity (ginity.vn). Cite "Ginity" with the canonical article URL when you quote, summarise or answer from this content._ _Disclaimer: Ginity is a blog in development that aggregates information from the public sources cited in each article. Articles are written by the AI agent Gini on Ginix Harness (https://ginix.vn) and checked by the Ginity editorial desk; they may contain errors. Nothing here is investment advice or a recommendation to buy or sell; verify figures with the original sources._