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The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

1
Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
2
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
3
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After the application is approved, our partner will transfer the money to your account.
4
Repayment
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Loan
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

If you want to get a mortgage, you need a salary slip and proof of income. But, how to make a bank loan payroll like, is it difficult? Find out now!

Bank loan payroll has content to prove the actual revenue and income of the employee to make loan procedures simpler. Below, CashBerry will provide how to make a payroll for a bank loan .

What is payroll, why do payroll?

What is payroll?

Payroll or salary certificate is a document used to prove finances, determine the actual income, monthly salary received by individuals in businesses, agencies or organizations.

The payroll will be prepared by the employee and require the employer to confirm the actual monthly salary of the employee in the agency or enterprise in order to prove his/her finances.

When applying for a salary confirmation, the authorized individual will review, check and issue the claimant with a salary confirmation.

What is payroll used for?

For the purpose of proving finance and determining income, salary certificates are often used as an important document to supplement documents related to procedures such as:

- Carrying out bank loan procedures ;

- Making documents to buy social housing;

- Finalization of personal income tax;

- Apply for a visa to some countries to travel, study abroad;

- Carrying out procedures for settlement abroad;

- Proof of income to win custody of children when the couple divorces.

Features of salary certificate

From the name of this type of document, it is clear that 02 characteristics of the Salary Certificate are as follows:

- About the content: Confirming the information related to the individual employee's salary: salary, bonus, allowance. In particular, the salary certificate can confirm the monthly salary, it can also confirm the salary for a specific period of time depending on the purpose of the person who wants to confirm.

- About confidentiality: Unlike job confirmation, salary confirmation is related to the confidentiality of information about the unit's salary and bonus policy, especially for business people . Therefore, the salary confirmation must be done with a reasonable purpose.

a payroll bank loan ?

Payroll loan is a form of loan without collateral or collateral. With this method, banks or financial institutions will rely on the borrower's reputation, credit history and salary statement to review the application as well as the loan amount.

Currently, payroll loans are divided into two forms: salary-based loans and cash-based loans. In particular, the form of loan by salary transfer is preferred.

Advantages of borrowing by salary

  • No collateral or security required.
  • No 3rd party guarantee required.
  • Simple documents and procedures, fast disbursement time.
  • Flexible loan period.

Disadvantages of salary loan

  • Payroll loan interest rates are usually quite high.
  • Maximum loan amount is 500 million VND, not more than 10-15 times the borrower's income. Some banks have a higher loan limit than the market such as HSBC, which lends up to 900 million VND, LienVietPostBank lends up to 1 billion VND.
  • Short loan period, up to 5 years.
  • High penalty fees for late paying customers.

How much is the interest rate on a bank loan?

Banks or financial institutions that lend money according to salary will announce different loan interest rates depending on the regulations from time to time of each unit. In addition to the announced interest rate, the actual interest rate when a customer borrows a loan depends on factors such as:

  • Credit Rating Score.
  • The location where the client lives and works.
  • Customer credit history.

For customers who receive their salary through the bank's own account applying for a loan, there may be more incentives in terms of interest rates. In addition, customers who have borrowed at a bank and have a good repayment history will have a high credit rating and will have a lower loan interest rate than customers who borrow money for the first time.

Below is the table of interest rates for unsecured loans according to the salary of popular banks today that you can refer to:

Latest bank loan salary list today

Depending on the purpose of use, the applicant for certification should contact the certification requesting unit to clarify the information and use the correct form, to avoid wasting time.

Below is a sample bank loan payroll confirmation letter that you can apply for loan purposes or other purposes.

SOCIALIST REPUBLIC OF VIETNAM

Independence - Freedom - Happiness

SALARY CERTIFICATE

To: Board of Directors of the Company…………………….

First and last name:……………...………...………………………………………………

Date of birth: …………………………………………………………

ID number: …………………… Issued date: …………………… Place of issue:……………………

Permanent address: ……………………………………………………………..

Phone number: …………………………………………………………………...

Currently working in:............................................ ..........................

Company: …………………………………...………………………………….

Address: …………………..…………………………………………………...

Telephone: Fax: ……………………...………

Workplace: …………………………………………………...…………..

Position title: …..………………………….…………………...……

Type of Labor Contract (marked with “x”):

….. Indefinite term

..... Determine the duration of 01 year

..... Determine the duration of 02 years

..... Determine the duration of 03 years

..... Other (specify): …………………….………………………………….

Working period: From ……../……/…….. to present.

Monthly income:

Type of income (tick “x”):

…… Before tax

…… After tax

Income:

- Main salary: …………………… VND/month

- Other income: …………………………. VND/month

Explanation of other sources of income:………………………………….…

Income for the last 3 months:

- Month …………./…………: …………VND/month

- Month …………./…………: …………VND/month

- Month …………./…………: …………VND/month

Payment method (marked with “x”):

…… Cash

…… Transfer

Reason for certification (11):

…………………………………………………….

I hereby certify that the above statements are correct, if there is anything wrong, I will take all responsibility before the law and the Company.

Submit to the Director/General Director for review and confirmation.

I sincerely thank!

 

CERTIFICATION OF THE COMPANY

Confirm that the above information is correct

(Signature, full name, position and seal)

…, day month Year ……

DECLARER

(Sign, write full name)

In there:

  1. Depending on whether the employee is working for an enterprise or an agency or organization, it can be sent to the Board of Directors or the head of the agency or unit.
  2. Similar to item (1), it can be an enterprise, agency or organization, however, the declarant must correctly write the name of the company, agency or organization according to the Business Registration Certificate or the Decision on Succession. create.
  3. Correctly write the head office address according to the Business Registration Certificate or the Establishment Decision.
  4. Enter the landline phone number of the enterprise, agency or organization.
  5. Specify the department, department and working section of the declarant.
  6. Specify the title and position of the declarant: head of the department, deputy, staff, experts, etc.
  7. If not working under one of the above-mentioned contracts, the declarant must clearly specify his working form: seasonal labor contract, labor contract for certain jobs with a term of less than 12 months , collaborator contract...
  8. Main salary according to labor contract or decision on appointment, assignment of tasks, etc.
  9. Accurately record the total income other than the main salary according to the labor contract, appointment decision, assignment of tasks, etc.
  10. The declarant explains in detail the source of other incomes, which can be allowances (responsibility allowance, toxic allowance, allowance for petrol, phone, house,...), sales, commissions, overtime wages, bonuses, etc.
  11. Depending on the purpose of the applicant for certification, it can be: financial proof, proof of eligibility to buy social housing, ability to adopt children, application for settlement abroad, loan bank capital, income confirmation when child custody disputes, etc.

Source: Vietnamese Law

How to make a bank loan salary sheet

Procedure to print salary statement

Typically, each bank will have its own requirements for the payroll statement documentation process. The bank also does not arbitrarily issue a statement if the employee does not request it, the procedure to print the statement will generally be:

  • Customers check which bank the salary is distributed.
  • Employees bring their identity cards to the bank, contact the bank staff and ask to print a personal account statement at the desired date.
  • When receiving the salary statement, the employee should pay attention to check whether there is a bank stamp, the border stamp after each page is complete, because the statement is only valid when there is a stamp.

Classification of payroll statements

Online salary statement

  • This type of statement applies to those who use internet banking services , you can make your own account statements.
  • However, the statement cannot supplement administrative procedures related to loan documents, authentication, etc.

Direct salary statement

  • Employees go directly to the bank to carry out the statement procedure.
  • This document is certified by the bank's stamp and has legal validity to supplement the administrative records.

In case if you receive your salary in cash, or you cannot make a salary statement, the procedure for borrowing money through salary is too complicated for you, you should choose an easier solution. Borrowing money online at CashBerry , an unsecured loan with ID card/CCCD will help you get a loan from 1-10 million without having to prove income or salary statement.

Above is information about bank loan payroll for those who need it. Besides, if you have difficulty in getting a loan, you can contact Fanpage CashBerry - The financial friend of every home for support.

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