If you need a mortgage loan from VPBank, immediately refer to the 7 loan products below. You will be able to borrow up to 10 months salary with a maximum term of 60 months.
When it comes to fast loans, safe loans, it is VPBank 's unsecured loan , because the loan approval time is only a few days after submitting the application, the loan amount is guaranteed. Let's find out what VPBank 's unsecured loan packages are, terms and interest rates.
Unsecured loans are loans that do not require collateral or guarantee. Lenders will rely entirely on the borrower's personal credit and repayment capacity to decide the loan limit and duration.
The two most popular unsecured lenders are banks and finance companies. In particular, unsecured loans from VPBank will have preferential interest rates, simple procedures, transparent and safe information.
Below are the VPBank unsecured loan packages you can refer to.
Unsecured loans have two main groups. Each group has different characteristics and borrowers. As follows:
This is a loan for individuals for purposes such as buying a house, buying a car, buying household items, redecorating the house, making a wedding, traveling, getting medical treatment,...
This is a form of supporting businesses to borrow to supplement business capital or purchase fixed assets, invest, do business, build facilities, reinvest, etc.
Borrowers will receive cash to meet personal spending purposes. The cash is transferred by the bank to the customer's account or received directly at the transaction office after signing the loan contract.
Buyers do not need to pay the entire amount of the purchase in one go, but only need to pay 10% - 50% of the value, the rest of the loan will be paid in advance. The customer must pay the borrowed amount, including interest or fees, to the lending institution according to the signed term.
The Bank accepts and allows spending in excess of the amount currently on the customer's checking account. Interest will be calculated by the bank on the excess amount spent by the customer. This form is only deployed at banks.
Edit home mortgage loan is the package cash loans for customers wishing to borrow for home repairs, remodeling a home or purchase additional supplies. Current financial companies and banks will be the lending institutions.
This is a form of loan to supplement working capital, serving production and business activities for small and medium-sized enterprises. Most banks or finance companies offer business lending services .
Understanding and understanding the conditions and appraisal process for VPBank's unsecured loan also helps you to register more easily.
Depending on the time, each loan product, VPBank has different requirements on conditions. However, in common when taking a VPBank unsecured loan , you must meet the following basic conditions:
● Age between 22 - 60 years old.
● No bad debt at a credit institution.
● Having household registration/KT3/Temporary residence permit in the same area as the lending unit is operating.
● Valid ID/ID card
● Stable income enough to repay the bank/financial company.
● Bank: Customers must have income from salary, working period of 12 months or more at current workplace.
● Legal records:
- Copy of ID card/passport/identity card.
- Copy of household registration/KT3/temporary residence book.
- Copy of marriage certificate or certificate of singleness.
- Proof of income.
● Labor contract:
- Salary slip of the last 3 months/salary statement.
● Depending on the loan product, you may have to submit one of the following documents:
- An insurance contract.
- Electricity bill.
- Car Cavet...
- Business registration license, revenue and expenditure books.
VPBank's unsecured loan limit currently ranges from VND 10 million to VND 500 million, with loan terms ranging from 12 months to 60 months.
The interest rate of unsecured loans at VPBank depends on the product and the term of the customer participating in the loan with the appropriate interest rate. Currently, VPBank's unsecured consumer loan interest rate ranges from 18-35% per year depending on various factors and is calculated on a gradually decreasing loan balance.
Medium and long term loans
Customers with income over 20 million/month
Customers in the priority customer segment
VPBank's unsecured loans are made according to the following process:
● Step 1: Receive unsecured loan documents: After meeting the loan conditions, the customer will issue a set of loan documents according to the template, advise on the appropriate package and request the necessary documents.
● Step 2: Appraise the loan application: After receiving the application, the staff will check again to verify the truthfulness of the declaration.
● Step 3: Approval and loan: The staff will hand over the file to the Director for decision. The review time will take from 1-3 days depending on each bank and unit.
● Step 4: Sign the contract and disburse: Once the loan is approved, the staff will invite the customer to come to sign the contract. Please read the terms carefully.
● Step 5: Collect debt and issue a new credit judgment: The customer will deduct an amount from the salary to repay the loan unit.
Each bank will have a different loan approval time. At VPBank, it only takes 3-5 days. Many people wonder: should VPBank unsecured loans ? According to CashBerry, if you have conditions, you can choose this bank. Because this is also a reputable bank, supporting good loan products.
Unsecured bank loans will help you solve financial problems quickly and reliably and transparently. However, to avoid unnecessary risks, you should note the following issues.
● Check and compare loan packages between banks.
● Check additional fees at banks to find the one with the least.
● Is there a big difference in prepayment fees between banks?
● Loan approval time. Some banks slow down the application backlog, your loan approval will take longer.
● Bad debts are not allowed to borrow unsecured loans. This is one of the mandatory conditions.
So in case, you have bad debt, how to get unsecured loan?
Want to receive your loan within 24 hours? Would you like to be offered tailor-made loans, tailored to your specific financial situation? AT CASHBERRY, we are committed to providing unsecured consumer loan solutions within 24 hours with diversified loans designed for each customer.
CashBerry provides online unsecured loans , supporting bad debts. As long as you have an ID card, a phone in hand, you can apply for a loan immediately.
- Lower interest rates, no hardcopy documents required, completely online.
- Disbursement time is only 1 minute.
- Customers do not pay any other fees.
- Customers are Vietnamese citizens, aged 20-60.
- Having a monthly income of 3 million VND or more.
- Have valid ID/CCCD.
● Login: https://cashberry.vn/ or download the CashBerry app on CH Play.
● Select “Register” and fill in the required information (note: the more complete and accurate the information, the faster and easier the loan approval will be).
● Wait for review.
● Receive disbursement if the application is approved successfully.
● Payment on due date.
The above is the information sharing how to borrow VPBank's unsecured loans , readers can refer to to accumulate loan experience. Besides, if you want to borrow money quickly, have money during the day, you can choose 24/7 CashBerry unsecured loan.