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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

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
Receive money
After the application is approved, our partner will transfer the money to your account.
4
Repayment
Make repayment to our partner according to the instructions.
Loan
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

The loan must be made in writing in the form of a loan note, a loan contract if there is interest collection or it can be made into a paper to borrow money, assets (usually without interest). The parties need to voluntarily prepare and sign their names to ensure that the loan and loan papers have legal effect.

The loan must be made in writing in the form of a loan note, a loan contract if there is interest collection or it can be made into a paper to borrow money, assets (usually without interest). The parties need to voluntarily prepare and sign their names to ensure that the loan and loan papers have legal effect.

In fact, a lot of legal disputes related to lending, lending are mainly money or assets if the parties do not make a document to specify the contents such as: The loan amount is how much? Interest rates? Payment time limit .... Disputes arise mainly because the parties have mutual trust based on close relationships such as friends, family members (Brother / Sister), or relationships. other social relations.

Loan contracts, loan notes are the most important legal evidence. If there is no such evidence, the lending or lending is not protected by law (Except for the case where the loan is made via bank transfer, specify the contents of the transfer as lending or lending). Here, CashBerry will introduce a loan form for you to refer to and apply as needed.

Latest loan form

SOCIALIST REPUBLIC OF VIETNAM

Independence - Freedom - Happiness

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CASH PAPER

Today, day…. month…. year ..., at ......., our two sides include:

1. Lender: (Hereinafter referred to as Party A)

Mr.: ........................ Date of birth: ................

ID number: ............. issued on ... month ... year ... at .........

Permanent residence :............................................. .................

Current address: ............................................. ...........................

Ms.: ........................ Date of birth: ................

ID number: ..................... issued on ... month ... year ... at .....

Permanent residence :............................................. .................

Current address: ............................................. ...........................

Mr.… .. and Mrs. …… are husband and wife according to the Marriage Registration Certificate No. …………… .. by …………………………. issued date ... month ... year ...

2. Borrower: (Hereinafter referred to as Party B)

Mr.: ........................ Date of birth: ................

ID number: ..................... issued on ... month ... year ... at .....

Permanent residence :............................................. .................

Current address: ............................................. ...........................

Ms.: ........................ Date of birth: ................

ID number: ..................... issued on ... month ... year ... at ...

Permanent residence :............................................. .................

Current address: ............................................. ...........................

Mr. ... .. and grandmother …… are husband and wife according to the Marriage Registration Certificate No …… issued by …… date ... month ... year ...

After reaching agreement, the two parties agree to sign the loan note with the following terms:

Article 1: Loan amount:

Party A agrees to lend to Party B and Party B agrees to borrow from Party A the amount: …… VND (In words: ………)

Article 2: Loan term:

- Loan term is …………. (month) ……… since the date of signing this contract.

- Right after signing this loan, Party A will hand over the entire amount ………. for the B

- Party A notifies Party B ... months in advance when it needs Party B to pay for the above loan amount.

Article 3: Loan interest rate and repayment method:

- The interest rate agreed by both parties is….% / Month from the date of receiving the loan.

- When the debt is due, if Party B does not pay Party A the above loan amount, the loan will be charged at the interest rate of ...% / month.

- The debt payment deadline is not more than… .. days unless the two parties agree otherwise.

- Party B will refund the loan amount to Party A when the loan term has expired. The loan will be paid by Party B directly to Party A or through the form of transfer to a bank account designated by Party A.

- Other agreements: (write in whatever agreement, for example, interest payment monthly, quarterly or due, capital to be paid in installments or in lump-sum payment when due ..........; Loan guarantee: ……………………… ..; Power of attorney can be written to use, transfer a certain house or property (signed and notarized in accordance with the law. ) to the lender - if necessary).

Article 4: Borrowing purpose

The purpose of borrowing the above amount is for Party B to use for ……… purposes.

Article 5: Dispute settlement method

If a dispute arises during the implementation of this loan, the parties will negotiate and settle on the principle of respecting each other's interests and ensuring compliance with the law; In case the settlement cannot be settled, either party may initiate a lawsuit to request a competent court to settle it according to the provisions of law.

Article 6. Commitments of the parties

Party A commits:

- Party A is responsible before the law for the delivery and receipt of the borrowed property;

- Party A guarantees that the above loan amount is a legal property and belongs to Party A's ownership;

- Borrowing and lending the above amount to Party B is completely voluntary, not deceived, not forced, not intended to evade any of Party A's obligations;

- Party A commits to comply with this loan paper. If violating, it will take full responsibility before the law.

Party B commits:

- Party B commits to use the loan for the right purposes as mentioned above;

- Party B commits to pay (principal and interest) on time, only due to the approval of Party A in writing (if any later); In case of late payment, Party B accepts to bear all interest, penalty or overdue interest as prescribed by law (if any);

- Party B commits to comply with this loan, if violating, it will take full responsibility before the law;

- In case Party B dies / is missing, the other person or the heirs according to the law of Party B will be responsible for continuing to implement this Loan.

Article 7: Final Provisions

- The two sides acknowledge that they have understood their legitimate rights, obligations and benefits, the legal meaning and consequences of the signing of this Loan Certificate.

- Any amendment or supplement to a loan is only legally valid when agreed and established in writing by the parties. No additional amendments will be made under this loan.

- Both parties have read the loan note by themselves, have understood and agreed to all the terms stated in the loan note and signed and point to this loan note.

- This loan note takes effect from the date the parties jointly sign it, is made into ... (...) a copy with the same legal validity, handed over to each party ... (...) a copy for implementation.

LENDERS

(Sign, fingerprint, full name)

 

 

BORROWER

(Sign, fingerprint, full name)

 

 

 

1- Loan papers are important legal evidence, if there is no such evidence, the lending or lending are not protected by the law.

Verification criteria for valid personal loan forms

When disputes and lawsuits occur between the lender and the borrower, a valid loan paper is the true evidence for the repayment of the capital and interest within the prescribed time as well as providing an advantage. Disputes, litigation occurred.

When is the credit card valid?

In order to ensure their interest in wanting to guarantee the repayment of their loan amount, the lender has used the loan note or loan agreement to ensure the legality. Then, the loan paper should contain the valid elements of terms, regulations, a complete legal document as follows:

● Loan notes are typed or handwritten, and they have equal legal validity.     

● The loan form must contain the borrower's personal information, valid ID, the borrower's signature and fingerprints to confirm that the information provided to the lender is correct.     

● Loans must meet all legal conditions as prescribed by the civil code.     

○ Which requires lenders and borrowers must have the capacity for civil acts alike.     

○ The loan paper must ensure that the loan purpose and contents do not violate the law, must not be contrary to social ethics.     

● Borrowers must voluntarily agree to the content of the regulations written in the loan form.     

● A valid loan form should contain the following information:     

○ Borrower and lender information: Full name, date of birth, ID / citizenship number, current residence, permanent residence, full name of spouse (if any).     

○ The loan note should clearly state the loan assets and the interest rate, the purpose of the borrower and the borrower to commit to pay the money over a period of time.     

○ After the terms are established, both parties will sign to confirm the appropriate loan.     

● To ensure the legality of the loan, it is necessary to have the certification of the Commune People's Committee / ward / notary office (if any).     

Loan notes need notarization?

According to Civil Code 2015, individuals lending money do not need to notarize loan contracts. But to ensure the legality of a valid loan guarantee for the lender's interests and as legal evidence for filing a dispute when a dispute occurs, the lender should do a notarization. is the right thing to do.

Loan papers need witnesses?

In a loan note between the lender and the borrower fully agreed and signed by both parties, whether signed by a witness or not will not affect the legality of the loan note. Therefore, when the borrower does not pay the money or assets on time, the lender has the right to sue with the court or relevant legal agencies.

When filing a lawsuit to the court or the lender's legal agencies, it is necessary to have all the documents and procedures as follows:

● Complaint.     

● Copy of ID card / citizen identification, household registration.     

● Loans, partial payment notes or debt repayment commitments (reasonable and well-established documents and evidence ...).     

● If I do not specify the repayment period on the loan form, how do I claim the loan and interest?     

Is handwritten loan note legal?

Currently, not everyone understands the provisions of the law on lending and debt repayment to protect their legal rights. One of the most concerned issues is is a handwritten loan note legal?

2- Is handwritten loan note legal?

Is handwritten loan legal?

According to Article 463 of the 2015 Civil Code, property loan contracts are defined as follows:

Contract for loan of property means an agreement between parties whereby a lender delivers property to a borrower; when the payment is due, the borrower must return to the lender the property of the same type in accordance with the correct quantity and quality and only pay interest if so agreed or so provided by law.

According to this regulation, it is not required that the property loan contract be made in writing, this is just the agreement of the parties that refers to the following contents:

- The lender delivers the property to the borrower;

- When the payment is due, the borrower must return the property of the same type in the correct quantity and quality to the lender of the property;

- Only pay interest if so agreed or otherwise provided by law.

It can be seen that borrowing can be considered a civil transaction because a civil transaction is a contract or unilateral legal act giving rise to, changing or terminating civil rights and obligations.

At the same time, regarding the form of civil transactions, Article 119 of the Civil Code stipulates:

Civil transactions can be expressed verbally, in writing or by specific acts.

Based on the above provisions, it can be seen that the loan transaction, including the loan, is not required to be done in writing, through the contract but can be expressed in handwritten paper, words or behavior.

However, in order for a handwritten loan note to take effect, the content requirements specified in Article 463 of the 2015 Civil Code above must be met and the conditions stated in Article 117 of this Code include:

- The subject has civil legal capacity, civil act capacity appropriate to the loan transaction;

- The lender and the borrower must be completely voluntary;

- The purpose and content of the loan does not violate the prohibitions of the law, does not contravene social morality;

- Loan interest rate does not exceed 20% / year ...

As such, a handwritten loan may be legal if the above conditions are met.

How can I get money back with a handwritten loan?

Although the loan paper analyzed above is legal, in fact there are many cases, even though the loan is available, the borrower still deliberately refuses to repay the loan. So then, what to do to get money back?

Pursuant to Article 466 of the 2015 Civil Code, borrowers are obliged to repay debts as follows:

The borrower that the property is money must pay in full when it is due; If the property is an object, the object of the same type must be returned in correct quantity and quality, unless otherwise agreed

Therefore, in the event that the borrower does not pay the debt, based on the evidence of handwritten papers, the lender can collect the debt in one of two ways:

1 / Going to Court to collect debt

Accordingly, the lender must prepare all of the following documents:

- Petition;

- Handwritten loan note;

- Identity card, passport, citizen identification (copy) ...

Note: Handwritten paper must meet the above analysis to be legal.

3-

2 / Denounce to the competent investigating agency

Under the provisions of Clause 1, Article 7 of Circular 28/2020 of the Ministry of Public Security and Article 163 of the 2015 Penal Procedure Code, lenders can send denunciations and denunciations to:

- Police of communes, wards and townships: Classify, handle denunciations, crime reports, take testimony when the case is simple, clear or necessary and urgent.

- District-level investigating agencies: Investigate criminal cases on crimes falling under the jurisdiction of the district-level People's Court;

- Provincial Investigation Agency: Investigate criminal cases on crimes under the jurisdiction of the People's Court of the province; The case happened in many districts, urban districts, towns and cities; organized crime; there are foreign elements, if deeming it necessary to directly investigate ...

Hopefully the basic information about loan forms, personal loan forms in this article will help you. In addition, if you need to borrow money, please experience the online loan service at CashBerry. This is one of the most prestigious financial services on the market today.

4- Quick online loan during the day, just need ID / CCCD

Instead of borrowing from relatives or friends, many things can be bad, you can still get the money you need through the form of borrowing money by ID card / CCCD via online form. Just need your phone, ID / CCCD, ATM card, you can receive 1-10 million whenever you need.

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