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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
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

For many people, insurance money is especially important when they are out of work. So how to get fast unemployment insurance withdrawal?

After terminating the labor contract, the eligible employees can apply for unemployment insurance benefits to receive unemployment benefits. So what documents need to be prepared to withdraw unemployment insurance money?

What is unemployment insurance?

In difficult economic times, unemployment insurance is considered a lifeline to solve many difficulties for employees.

Unemployment insurance is a mode of compensating a part of an employee's income when he or she loses a job, supporting them to learn, maintain and find a job on the basis of contributions to the Unemployment Insurance Fund (the amount of the unemployment insurance premium). 4 Article 3 of the Employment Law 2013).

According to the provisions of Article 43 of the Employment Law 2013, both the employee and the employer are responsible for participating in this type of insurance.

Conditions for receiving unemployment benefits

How to get the insurance money after leaving the job ? First, you must consider yourself eligible to withdraw unemployment insurance money or not .

1. Termination of labor contract or working contract, except for the following cases:

- The employee unilaterally terminates the labor contract or work contract illegally;

- Receive monthly pension and allowance for loss of working capacity.

2. Paid unemployment insurance from full:

- 12 months or more in the period of 24 months before the termination of the labor contract in the following cases: Labor contract with definite and indefinite term.

- 12 months or more in the period of 36 months before the termination of the labor contract in the following cases: Signing a seasonal labor contract or a certain job with a term from full 3 months to less than 12 months .

3. Has registered for unemployment and applied for t-benefits at the Employment Service Center.

4. Have not found a job after 15 days from the date of submitting the application for unemployment insurance benefits, except for the following cases:

- Performing military service and police duty;

- Studying for a term of full 12 months or more;

- To abide by the decision to apply the measure of sending to reformatory, compulsory education institution, compulsory detoxification establishment;

- Being detained; serve prison sentences;

- Going abroad to settle down; go to work abroad under contract;

- Died.

Dossier of application for unemployment benefits

Pursuant to the Employment Law and Decree No. 28/2015/ND-CP stipulating that the application for unemployment insurance benefits includes:

- An application form for unemployment benefits (under the form prescribed by the Ministry of Labour, Invalids and Social Affairs);

- The original or a certified true copy of one of the documents certifying the termination of the labor contract or working contract: The labor contract (LD) or the working contract (the contract of employment) has expired; Decision on resignation or Decision on dismissal or Disciplinary decision on dismissal or Notice or agreement on termination of labor contract or labor contract;...

- Social insurance book

- 2 photos 3 x 4

- Photocopy of ID card, household registration book/temporary residence book if the application is submitted at the place of residence and enclosed with the original for comparison.

Unemployment insurance withdrawal process and procedures

- Step 1. Within 03 months from the date of termination of the labor contract or labor contract, the employee who has not had a job and wishes to receive unemployment benefits must directly submit 01 dossier to the Employment Introduction Center (TTGTVL). in the locality where the employee wants to receive unemployment benefits.

- Step 2. Time limit for processing dossiers:

+ Within 15 working days after submitting the application, if the employee has not found a job, the job placement center (TTGTVL) will confirm the settlement of the application for unemployment benefits.

+ Within 20 working days from the date of submission of dossier, TTGTVL issues a decision approving unemployment allowance payment enclosed with social insurance book with confirmation of payment to employee.

+ In case the employee is not entitled to unemployment benefits, the labor force must notify in writing and clearly state the reason.

+ Time to calculate unemployment benefits: 16th day from the date of filing.

- Step 3. Receive unemployment benefits payment.

+ Within 5 working days from the date of issuance of the decision approving the payment of unemployment benefits, the local social insurance agency shall pay the first month's allowance to the employee together with the health insurance card. Unemployment allowance is calculated at 60% of the average salary of the preceding 06 months with UI payment before unemployment.

+ Every month, the social insurance agency shall pay unemployment allowance within 12 days from the date of enjoying unemployment benefit of that month if it does not receive the employee's decision to suspend or terminate unemployment allowance.

- Step 4: Notice of monthly job search of employees.

Pursuant to the provisions of Clause 1, Article 19 of Decree No. 28/2015/ND-CP, every month, employees must go to the Employment Service Center to notify them of finding a job while receiving unemployment benefits. in case a job has not been found (according to the appointment schedule attached to the Decision on unemployment benefits).

In the month, if the employee does not come to the notice as prescribed, the unemployment benefit will be cut off that month. If the employee fails to notify the Employment Service Center about the job search situation beyond the prescribed time limit, the Employment Service Center will simultaneously send a notice to the Social Insurance Agency and send a notice to the employee. about the termination of the employee's benefits.

Eg:

If on October 1, 2021, an employee submits an application for unemployment insurance benefits at a job service center, the processing time and benefit period will be as follows:

+ On October 20, 2021 the Employment Center issued a Decision on unemployment benefits for employees

+ The start date of unemployment benefit calculation is October 16, 2021

+ Date of payment of unemployment benefits for the first month of the social insurance agency: From 20 to 25 October 2021

+ Date of payment of unemployment benefits for the second month: From November 16 to November 27, 2021

+ Payment date of the 3rd month personal income: From December 16 to December 27, 2021

Unemployment benefits

Article 50 of the Employment Law 2013 provides:

●    About the subsidy

The monthly unemployment benefit allowance is equal to 60% of the average monthly salary on which unemployment insurance premiums are based for the 06 consecutive months before unemployment.

Specifically:

Unemployment benefits

=

60%

x

Average monthly salary on which unemployment insurance premiums are based of the preceding 06 months before unemployment

Note: The maximum monthly unemployment allowance is not more than 05 times the base salary for those who implement the salary regime prescribed by the State or not more than 05 times the regional minimum salary for the employees. The salary system is decided by the employer.

●    About the time to enjoy

The unemployment benefit period is calculated according to the number of months of paying unemployment insurance premiums, for every full 12 - 36 months, you will be entitled to 3 months of unemployment benefits, after that, for every additional 12 months, you will enjoy an additional 1 month unemployment benefits but not more than 12 months.

●    About the time to enjoy

The time to receive unemployment benefits is counted from the 16th day from the date of submitting a complete application for unemployment benefits.

Where to withdraw unemployment insurance money?

Employees entitled to unemployment benefits can receive unemployment benefits at locations and representative payment organizations where Vietnam Social Security has signed a service contract to pay social insurance and unemployment insurance benefits and manage employees. enjoy as:

- Employment service center where employees submit their application for unemployment insurance benefits.

- Social insurance organizations at the commune, district and township level where the provincial social insurance agency is authorized to pay.

The Postal Corporation must organize payment points to the commune level in accordance with the conditions of each locality and agree with the social insurance agency. The payment points have a specific address, which is updated in the list of payment points nationwide and publicly posted on the web portal of the Vietnam Social Security.

In addition, the payment of unemployment benefits can also be made by transferring money directly to the employee's personal account (based on Point 2.1.2, Clause 2, Article 2 of the attached process). according to Decision No. 166/QD-BHXH).

Thus, depending on the needs of the recipients of unemployment benefits, the location to receive unemployment benefits may be the employment service center or the social insurance agency where the employee has registered to receive in the benefit dossier. BHTN before.

In addition to understanding the unemployment insurance withdrawal regulations , you should be aware of the issue of unemployment insurance support scams.

Beware of fraudulent messages, fake social insurance to drain your account

According to information from Vietnam Social Security, a resident complained that 35 million VND was deducted from his account after receiving a message informing and instructing to receive support money from the Unemployment Insurance Fund.

The scam message was sent to people's phone numbers with the content: "[TB] Social insurance: Ong (Ba) da du d!eu k!en NHAN T1EN h0 tro tu Quy BH-TN. Go to www.mvndc .icu de lay CHAPTER FAST!"…

Vietnam Social Insurance said that recently it has received many complaints from people about fraudulent messages from the following numbers: +84563…; +84528…; +84582… falsifying Social Insurance's notice.

In addition to texting via SMS, scammers also message via Zalo social network. When people are caught off guard, logging in to the above scam links will display a transaction interface similar to the electronic transaction pages of popular banks.

Then these interfaces will ask to provide passwords, bank account OTP codes to occupy money in people's accounts.

Besides, now there are also phone numbers with prefix +4841900.... calling directly asking people to follow instructions to receive support money from the Unemployment Insurance Fund. This trick often hits the listener's mind, guides the declaration of assets, and appropriates the money in the bank account.

Vietnam Social Insurance recommends that people when receiving such messages need to be vigilant, or notify the hotline number of Vietnam Social Insurance 1900.9068 for advice, support and timely response. .

Social Insurance also informed that the time to receive requests for support from employees from the Unemployment Insurance Fund is until December 20, 2021.

Therefore, employees absolutely do not perform any request, especially do not click on any link, otherwise there will be the possibility of revealing personal information and having the account hacked to appropriate money.

Above is the fastest and simplest way to withdraw unemployment insurance money . In difficult economic times, workers should not ignore this useful information.

Besides, if you need money urgently but the social insurance has not yet subsidized, you can apply for an online CashBerry loan . With just 1 ID/CCCD, you have the opportunity to receive 10 million in 30 minutes. For more information, please contact CashBerry Fanpage .

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