Among the forms of borrowing money currently being implemented in Vietnam, online unsecured loans are the most popular form for people with loan needs. Because, borrowing money online, borrowing money through the application has simple procedures, easy application requirements and fastest disbursement time.
Among the forms of borrowing money currently being implemented in Vietnam, online unsecured loans are the most popular form for people with loan needs. Because, borrowing money online, borrowing money through the application has simple procedures, easy application requirements and fastest disbursement time.
However, not so that 100% of borrowers will be approved in the first place, there can be many reasons for this. Below are the shares of borrowers who have experienced being denied an online unsecured loan. From their own experience, they will give you tips for easy loan approval right from the first registration.
Reviews from customers of CashBerry.
Ms. Truong Hong Ngoc, Binh Phuoc said: “Despite having a stable income, be confident that you will be approved for a loan from the beginning. Who would have thought, just because I entered a wrong number of the ID card, I was considered to have declared incorrect information, so it was not approved. When you apply for a loan, remember to enter correct and complete information. Just declare honestly and honestly, there's nothing to worry about."
Ms. Vo Thi Thanh, Khanh Hoa, shared her story: “When I first applied for a cash loan, I was not familiar with anything. My friends are just fine, I do the same. But that is wrong. My friend's salary is higher, so you can borrow more money. I have a lower salary but choose the same loan as you. So it was rejected. It is best to only choose a loan that matches your monthly salary.”
Mr. Nguyen Tan Phat, Phu Quoc, said: “It is very important to provide accurate information. Just because I couldn't provide my exact phone number, I kept waiting and didn't see anyone calling for loan advice. I thought it would be fine to have an email. No wonder phone numbers are also very important. It is best to honestly provide complete information, the lender will check, see if it is correct, they will agree to lend you."
With the sharing from previous borrowers, you can completely learn from your own experience to ensure a successful loan from the first time, friends.
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3 questions to clarify when deciding to borrow money online
Deciding whether to take out an unsecured loan or a cash-based unsecured loan is an important decision. Because it will not only affect your financial needs at the moment, but can also affect your financial ability in the long term if any mishap occurs. Before you decide to submit your application for a cash unsecured loan, an online unsecured loan, ask a counselor the following 3 questions to ensure your loan process is safe and smooth.
Question 01, what is the interest rate to be paid?
Of course, this is a formal question because obviously, the consultant will advise you to know the interest rate from the beginning, and the interest rate will also be clearly mentioned in the contract. However, asking questions about interest rates will help you assess whether the counselor is really advising you or just drawing a scenario of low interest rates to "seduce" you to sign a contract for the purpose of making money. for personal gain. In addition, knowing the interest rate in advance also makes it easy to calculate how much you have to pay each month so you don't have to worry too much about the pressure of repayment when borrowing.
With CashBerry:
● Loan amount: Minimum 1,000,000 VND - Maximum 10,000,000 VND
● Number of loan days: 91 - 181 days
● Interest rate: 10.95 - 14.6%/year
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Question 02, are there any additional fees?
Interest is not the only incidental amount you have to pay (besides the principal). When taking a consumer loan, in addition to interest, you may also have to pay other additional fees including late interest penalty, early payment penalty fee, loan insurance, etc. Make sure you get an answer. the most accurate from the consultant and do not forget to read the loan contract about these items before signing.
* With CashBerry:
Interest rates and fees for online unsecured loans will be specifically advised by staff to customers, and this information will be displayed clearly and transparently on the loan contract. Customers are carefully advised on interest and fees, and have the right to refuse the loan if it feels unreasonable.
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Question 03, how to deal with late payment due to a third party
If you transfer your debt payment over the weekend, or due to a bank error, etc., causing the money you transfer to be unable to be paid on time? Who will be responsible?
Will you be penalized for late payment in this case? This is an extremely important question that you must ask your counselor.
* With CashBerry:
To avoid incurring late fees, CashBerry recommends paying 1 day in advance. For instant payment, you need to register for 24/7 Internet Banking. Besides, if you have problems or questions about loan payment at CashBerry, you can contact hotline 02873068385 for quick support.
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At CashBerry, your online unsecured loan process is always closely monitored and consulted by a team of professional staff. Are you having financial difficulties to solve, want to borrow money without unsecured (mortgage loan) or borrow money online? Let CashBerry help you.
Apply for a loan now, receive money instantly at cashberry.vn or download the CashBerry app at CH Play! Borrow money online, receive it within a day.
