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Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
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.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
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

Currently, to meet the needs of buying a house, buying a car, doing business, buying consumer goods, etc., many people intend to get a bank loan. But how to get a bank loan? How to calculate bank loan? All will be introduced by CashBerry through the article below.

Currently, to meet the needs of buying a house, buying a car, doing business, buying consumer goods, etc., many people intend to get a bank loan. But how to get a bank loan? How to calculate bank loan? All will be introduced by CashBerry through the article below.

How to get a bank loan?

In order to get a bank loan, you must meet the eligibility criteria for approval and prepare the procedures required by the bank. You can get an unsecured loan or a mortgage depending on your loan profile.

Bank loan conditions

Pursuant to Article 7 of Circular 39/2016/TT-NHNN, credit institutions consider and decide to lend when customers fully meet the following conditions:

- Customer is a legal entity with civil legal capacity as prescribed by law. Customers are individuals aged full 18 years or older with full civil act capacity as prescribed by law or from full 15 years old to under 18 years old without loss or limitation of civil act capacity as prescribed by law. provisions of law;

- Demand for loans to use for lawful purposes;

- Having a feasible plan to use capital;

- Have the financial ability to repay the debt;

- In case customers borrow capital from a credit institution at the lending interest rate specified in Clause 2, Article 13 of this Circular (short-term loans in service of agriculture and rural areas, export business, business services, etc.) business of small and medium enterprises…), customers are assessed by credit institutions as having transparent and healthy financial situation.

* Loan conditions depend on each bank's policy.


How to calculate bank loan interest?

After you have determined that you are eligible for a bank loan, you need to learn how to calculate a bank loan, consider interest rates.

How to calculate bank loan interest according to decreasing balance

This interest calculation is based on the actual amount owed after deducting the principal that you have paid in the previous months and the amount of interest you have to pay will gradually decrease, at the same time the outstanding balance will also decrease.

The formula for calculating interest on a decreasing balance:

● Monthly principal = Loan amount/Loan number of months     

● First month interest = Loan amount * Monthly loan interest rate     

● Interest in the following months = Remaining principal amount * Loan interest rate     

For example: You borrow VND 50 million from a bank, the term is for 12 months (1 year) at an interest rate of 12%/year

● Monthly principal = 50 million/12 ~ 4.1 million     

● First month profit = (50 million * 12%)/12 = 500,000 VND     

● 2nd month profit = (50 million – 4.1 million)*12%/12 ~ 458,000 VND     

● Subsequent months continue to be counted until the debt is paid in full     

How to calculate bank loan interest on the initial loan balance?

The way to calculate bank loan interest on the initial balance is the way to calculate interest on the original balance without changing every month. That is, although the principal is reduced each month, the interest rate is always fixed until the loan is paid in full

The formula for calculating interest on the original outstanding balance:

Amount you have to pay monthly = Principal balance * annual interest / loan period

Example: You borrow 10 million VND to pay in 12 months at an interest rate of 12%/year.

● The monthly payment to the bank is 10 million / 12 months ~ 833,333 VND / month     

● The monthly interest payable to the bank is (10 million*12%)/12 months = 100,000 VND/month     

● The monthly payment is VND 933,333     


How to get a bank loan without collateral

There are many ways for banks to give people unsecured loans, ie bank loans without collateral. In Vietnam, there are currently a number of ways to borrow money from banks without collateral such as: Unsecured loans according to salary, unsecured loans according to insurance books, unsecured loans according to invoices, ... Among them, the most popular It is a form of unsecured loan.

Unsecured loan according to payroll

Individuals who are working and have a stable income can go to the bank to apply for a loan according to their salary. After the borrower provides payroll, salary confirmation to the bank, the bank will review the salary sheet and approve the loan file according to the salary. 

Unsecured loan by invoice

When borrowing from a bank in this form, customers can use their electricity, water, and internet bills to borrow. In order to get a loan by bill, your electricity bill in the last 3 months must have an average value of more than 150,000 VND. The higher the electricity bill, the larger the disbursed amount, up to a maximum of 50 million VND.

Unsecured loans with Viettel sim

This is a form of loan exclusively for Viettel subscribers. Those subscribers who are eligible for approval in terms of usage time, monthly subscription fee, payment history will be approved by the bank for unsecured loans.

Unsecured loans for individuals and business households

Based on operation time, monthly revenue and profit for banks to approve loans. Unlike other forms of loans, unsecured loans for individuals and households often have the purpose of doing business, not for consumption purposes.

Unsecured unsecured loans based on available mortgage loans

For customers with a good repayment schedule, the bank can grant another unsecured loan without requiring additional assets. This unsecured loan can be at the same bank or another bank. 


Bank loan procedures

Specific loan procedures depend on each bank and the purpose of the loan. However, most of the lending process at banks has the following general steps:

● Step 1: Prepare documents     

- Legal papers (ID card, household registration book, marriage registration certificate or single/divorced certification as prescribed by law).

- Financial documents.

- Documents declaring the purpose of using the loan.

- Documents related to collateral used for mortgage loans (red book/pink book)...

● Step 2: Receive application and loan appraisal     

After receiving the loan application from the customer, the bank will confirm the information and re-evaluate the application. If the profile is not eligible, the bank staff will return it and clearly explain the reason to the customer.

● Step 3: Loan approval     

After assessing the loan application, the staff makes credit proposals and submits them to the competent authorities for loan approval. After that, the bank staff will send a notice to the customer about the approved loan.

● Step 4: Disbursement     

If the application is approved, the customer signs the contract and the bank will disburse. Customers can receive directly by cash or bank transfer.


Confused about which bank to borrow? Let CashBerry help you! Currently, Agribank is one of the most prestigious banks in Vietnam, with many preferential loan policies. Let's find out how to borrow money from Agribank in each specific loan package!

Borrow money from Agribank

Agribank is currently implementing many loan products, specifically:



Loans in the form of overdraft accounts

● Characteristics: customers can use more than the amount on demand deposit accounts.     

● Purpose: serving the needs of production and business activities, non-cash consumption of customers,     

● Overdraft limit: up to 100 million VND.     

● Overdraft term: up to 12 months     

● Loan guarantee: Agribank considers granting overdraft limit with/without collateral.     

● Interest rate: according to regulations of Agribank from time to time.     

● Registration: at transaction points nationwide.     

Consumer credit loans

● Borrower : individual customers     

● Loan limit : up to 30 million VND     

● Loan period: maximum 12 months     

● Interest rate: according to the regulations of each period     

● Loan purposes: consumer loans (buying household appliances, equipment, study expenses, medical examination and treatment, ...)     

● Loan method:     

Lending each time       

Loan by limit       

Overdraft loan       

● Registration: at Agribank's transaction points nationwide     

Small-scale lending

● Loan object: individual customers, households     

● Loan limit: up to 300,000,000 VND     

● Loan period: short, medium term (depending on the specific needs of the customer capital)     

● Loan purpose: to meet the needs of consumption, business,...     

● Loan method:     

Lending each time       

Loan by limit       

Overdraft loan       

● Registration: at Agribank's transaction points nationwide     

Loans for business activities

Characteristics: Agribank lends to individual customers to meet legal capital needs in addition to capital needs for life, including capital needs of legal entities, individuals and capital needs of business households. private enterprises in which the borrower is the owner of the business household or the owner of a private enterprise.

Loan level: Up to 100% of capital needs.

● Short-term loans: Up to 100% of capital needs.     

● Medium-term loans: Up to 75% of total capital needs.     

● Long-term loans: Up to 70% of total capital needs.     

● Interest rate: According to regulations of Agribank from time to time.     

● Loan guarantee: Agribank considers lending with/without collateral.     

● Disbursement: one time or many times;     

● Repayment of loan principal and interest: repayment of principal once or several times, monthly or periodic payment of interest as agreed.     

Registration: At Agribank's transaction points nationwide.

* * Note: to know the exact information and details of the bank's loan product, you should contact the bank you want to borrow directly. A counselor will assist you.

Above is information on how to get a bank loan as well as introduce how to borrow money from Agribank - one of the reputable and safe credit institutions. Besides, if you have any questions to answer, or want to borrow money without collateral, you can contact CashBerry. CashBerry - an unsecured online loan support service that only needs ID/CCCD, ready to provide you with a loan of 1 - 10 million within a day.

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