Should I get an unsecured loan from Agribank, what are the conditions, interest rates, loan procedures? How to get a loan quickly, without having to wait long? Find out now!
You want to borrow unsecured Agribank but do not know the terms, interest rates, how to borrow? Right now, CashBerry will help you learn about this type of loan and reveal to you how to get money quickly without having to wait long.
Mortgage loan Agribank loan form fast, simple, no need to prove income, no collateral. Accordingly, the bank will rely entirely on the reputation of the individual and the company that the customer is working to consider whether to lend or not. Currently, Agribank deploys the product "Consumer credit loans" to meet the spending needs and purchase of household items of customers.
Many people wonder about the Agribank payroll mortgage loan package , however, this is an unsecured loan package applied to customers with stable income from salary. Payroll is just a proof of income for the bank to have a basis for reviewing loan applications and setting loan limits, term, and interest rates, but it is not considered as collateral for the loan.
With many outstanding advantages in the field of unsecured lending, Agribank is chosen by many customers:
● The limit is up to 500 million VND, and the lending interest rate is lower than other banks.
● Each month, the interest rate will be reduced according to the remaining balance, the later the amount of interest will decrease.
● The loan process is quick and simple, no collateral required.
● Interest rate is only from 1.3 - 1.7%/month, unsecured loan period is up to 60 months, helping you to be flexible and proactive when paying fees.
● Quick disbursement time for customers who need loans is less than 24 hours after completing the application.
Currently, Agribank offers 3 unsecured lending products, meeting all the borrowing needs of a variety of subjects. All three of these products are borrowed the most in the form of unsecured salary, namely:
● Borrowing to buy consumer goods and household appliances
● Loans for workers to work abroad
● Borrowing in the form of asset overdraft
Agribank's unsecured loan limit ranges from VND 10 million to VND 500 million and the loan term is flexible from 12 months to 60 months.
So what is the interest rate of Agribank unsecured loan ?
With an attractive unsecured loan interest rate of only 1.3-1.7%/month, and extremely practical utilities for customers, Agribank's unsecured loan products are highly appreciated by customers.
* Note: Depending on the borrower, customer profile and Agribank's policy from time to time, there is a certain interest rate. You should contact your bank directly for further assistance.
Borrowers need to pay attention to Agribank's unsecured loan conditions , interest rates, and forms of support to make the best decision.
Agribank provides preferential unsecured loans for state employees with salary of over 5 million transferred. Loan conditions at Agribank are quick, supporting most individuals or customers who are paid via cards linked to Agribank.
● The condition is that state officials and employees are working at the headquarters of wards, communes, provinces and cities.
● Having a clear and lawful consumer unsecured loan purpose.
● At the time of borrowing, there was no overdue debt, too large mortgage or unsecured balance.
● The successful employees are paid through Agribank bank cards.
● Full copy of household registration book.
● Borrower's ID card.
● An application for a bank unsecured loan at Agribank (according to the bank's form).
● Documents that can prove income: Payroll, labor contract, electricity bill, etc.
● 2 3×4 photos.
● Step 1:
When receiving your unsecured loan application, Agribank will conduct an appraisal based on a number of important aspects such as financial ability, credit history, residence, ...
● Step 2:
After receiving all the required documents, the bank will conduct analysis to make a decision to approve the loan or not.
● Step 3:
The consultant will submit the application and appraisal report to the review officer for inspection, review and re-evaluation (if necessary) and submit it to the competent authorities for approval.
● Step 4:
After the loan is approved, the accounting department is responsible for disbursing the unsecured loan to you. You will be opened a bank account and receive the money that the bank disbursed to you.
● Step 5:
After disbursing, the credit officer will still control whether you use the loan for the right purpose in the credit contract. If there are signs of fraud or appropriation, the bank has the right to withdraw your loan at any time.
It can be said that Agribank offers many great incentives for unsecured borrowers such as:
- Maximum loan limit is up to 500 million VND and up to 15 times monthly income.
- Quick loan process, no collateral required.
- Diverse loan products suitable for many different loan needs, especially focusing on farmers, living in rural areas.
- Maximum loan term is up to 60 months.
With unsecured loan products, Agribank has contributed to bringing many benefits to the people, positively impacting the whole society, contributing to national economic growth. Specifically:
- Consumer loans help people have more opportunities to access safe financial resources, protected by law.
- Contributing to reducing demand for informal services, limiting usury, black credit .
- Provide more information on credit and finance, increase people's understanding of banking services.
Therefore, if you have the conditions, you should choose Agribank to borrow money for business and spending.
However, because it is a form of unsecured loan, you will have to prove your income clearly, and at the same time be in the object of being loaned by Agribank. From the time of submitting the application, until the stage of waiting for appraisal, disbursement will take a few days or even more, so when you need money urgently during the day, this is not a smart choice.
Borrowing money online is a form of online borrowing with a limit of 1 - 10 million VND without appraisal, without meeting. Customers fill in registration information at the cashberry.vn application or website, the profile only needs ID card or CCCD.
Fast online loan service can be considered as a great financial solution when you want to have a quick amount of money without complicated procedures.
* Why should you choose to borrow at CashBerry?
● Register and approve loans 24/7
● Install the application & apply for a loan online easily
● Fast auto browsing system
● Preferential interest rates, savings, only from 0.9%/month
● Do not keep original documents
● Disbursement within the day, 30 seconds have money in the account
The above is information related to Agribank unsecured loans . For more detailed advice, you should go directly to Agribank's transaction office to ask for a support specialist. Besides, if you want to have money quickly, without having to prepare documents and complicated procedures, you can immediately register for CashBerry. CashBerry is always ready to support you financially at any time.