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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

To secure a loan transaction, many people prefer to use handwritten loan documents. However, how to write to be accepted and protected by the Law?

Loans need to be documented in the form of a loan agreement or a handwritten loan document . So how to write a loan letter ? Here, let's join CashBerry to update the latest legal handwritten debt form 2021 and find out related information!

What is a loan document?

What is a loan document ? A loan document, also known as a loan contract , a contract to borrow property between the lender and the borrower. In the loan document, there is a cooperation agreement between the two parties on the loan amount, interest rate, loan term, collateral, if any, and a commitment to repay the loan on time.

In fact, a lot of legal disputes related to lending and lending activities are mainly money or property if the parties do not make in writing specific provisions on contents such as: The loan amount is how much? Interest rates? Payment term?

Disputes arise mainly because the parties have mutual trust based on close relationships such as friends, family members (Brother / Sister), or other social relationships.

Money loan contract, money loan paper is the most important legal evidence. Without these proofs, lending and lending will not be protected by law (Unless the money lending is done through wire transfer, clearly stating the content of the transfer as lending or lending).

The importance of loan documents

Loan papers need to ensure legality to avoid disputes or litigation risks during the loan process, ensuring the interests of both lenders and borrowers. This is an important basis if one of the two parties breaks the commitment, there is a lawsuit related to borrowing and mortgaging property.

In specific cases such as a dispute or one of the two parties violates the agreement, a loan document has the following effects:

  • Ensure the rights and obligations of the lenders and borrowers.
  • Limit the cases of disputes when one party breaks the commitment.
  • Is the basis in the litigation process related to the issue of borrowing and mortgage of property.

Note: Mortgage loans and unsecured loans are two popular forms of borrowing by individuals, financial companies, and banking organizations. Unlike a mortgage loan (the lender requires the borrower to mortgage assets (red book, property, valuable papers, etc.), the unsecured loan relationship is built on the borrower's reputation. Therefore, the appearance of a loan is also a measure of risk prevention.

What is a valid loan document?

Whether handwritten or typed, a loan document has the same legal value if it ensures the following factors:

  • Money loan papers must satisfy the legal conditions as prescribed by law, that is, both lenders and borrowers must have civil act capacity.
  • At the same time, the purpose and content of the loan document must be in accordance with the law, must not violate prohibitive and unethical regulations.
  • Between the two parties must completely voluntarily lend and borrow with the content on the loan document.
  • The content of the loan document must be full of personal information of both parties: Name, date of birth, ID card, household registration, signature, fingerprint for confirmation.
  • In addition, the loan document must have full information of both parties and the loan amount/asset, interest rate, purpose of use, repayment term, confirmation.
  • Must be certified by a competent authority to ensure the legality of the loan.

Legal handwritten debt form

SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
-----------
 
LOAN FORM

 

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

  1. Lender: (hereinafter referred to as party A for short)

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

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

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

Current place of residence: ................................................................................. ............

Mrs:…………………… Date of birth:…………

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

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

Current place of residence: ................................................................................. ..........

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

  1. Borrower: (hereinafter referred to as party B)

Mr.:…………………… Date of birth:………….

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

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

Current place of residence: ................................................................................. ..........................

Mrs:…………………… Date of birth:…………

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

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

Current place of residence: ................................................................................. ..........................

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

After reaching an agreement, the two parties agree to sign the Loan Agreement 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:

- The loan term is …………. (month)………… from the date of signing this contract.

- Immediately after signing this Loan, Party A will hand over the full amount of …………. for the B

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

Article 3: Loan interest rates and repayment methods:

- 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 interest at ... %/month

- Debt payment time limit does not exceed ..... days unless otherwise agreed by both parties.

- 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 by transfer to a bank account designated by Party A.

- Other agreements: (Any agreement should be recorded, for example, paying interest monthly, quarterly or due, capital for amortization or one-time payment when due.........; Collateral property Loan guarantee: …………..; A power of attorney can be written in advance to use or transfer a house or property (signed and notarized in accordance with the law) ) to the lender – if necessary).

Article 4: Purpose of the loan

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

Article 5: Dispute settlement method

If a dispute arises during the implementation of this Loan Letter, the parties shall jointly negotiate and resolve on the principle of respecting each other's interests and ensuring compliance with the law; In case of failure to settle, either party has the right to initiate a lawsuit to request a competent court to settle it in accordance with law.

Article 6: Commitment of the parties

Party A commits to:

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

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

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

- Party A commits to comply with this loan document, if violated, it will take full responsibility before the law.

Party B commits to:

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

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

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

- In case Party B dies/disappears, the remaining person or legal heirs of Party B will be responsible for continuing to perform this Loan.

Article 7: Final Terms

- The two parties acknowledge that they clearly understand their legitimate rights, obligations and interests, the meaning and legal consequences of signing this Loan Agreement.

- All amendments and supplements to the Loan Certificate are only valid when agreed and established in writing by the parties. No amendments or supplements will be made in accordance with this loan document.

- The two parties have re-read the Loan Paper by themselves, have understood and agreed to all the terms stated in the Loan Letter and signed and pointed to this Loan Letter.

- This loan document takes effect from the date of signing by both parties. It is made into … (…) copies with the same legal validity, delivered to each party … (…) copies for implementation.

LENDERS

(Signature, fingerprint, full name)

BORROWER

(Signature, fingerprint, full name)

 

Instructions on how to write a debit note

When filling out a handwritten loan application, it must be simple, concise but still legal. How to write a specific loan letter as follows.

  • Step 1. Fill in Borrower and Lender Information

Borrower/lender is an individual: Need to provide full information about full name, year of birth, information about identification documents (ID card, citizen identification, passport), contact address, phone number phone…

Organization: legal entity information on business registration papers, representative information.

Note: The lender (referred to as party A) and the lender (referred to as party B). In which, borrowers and lenders can be individuals or legal entities (organizations, businesses).

  • Step 2. Loan content information

Loan amount and term: The loan amount must be specified in words, the loan term should be specified according to the number of months and years.

Note: If the term in the loan document is indefinite, it means that the lender can claim the loan at any time.

  • Step 3. Loan interest rate

Interest rate: In case interest is not charged, it is also necessary to write "Party A lends to Party B without interest", and in case of interest calculation, also write how much interest...

Note:

Specify the loan interest rate by day/month/year as agreed between the borrower and the borrower. Although the lending interest rate is an agreement between the borrower and the lender, however, according to the provisions of the Civil Law 2015, the loan interest rate in the legally recognized loan contracts cannot exceed 20%/ five.

  • Step 4. Debt payment method

Debt repayment method: The loan document should clearly state how to repay the debt by which method? Be it transfer, cash, property,...

  • Step 5. Other agreements (if any)

Other agreement: Dispute settlement method if there is a conflict, detailed regulations on case either one does not comply with the agreement, the loan document needs to have at least 2 copies, clearly stating the number and in the letter of the paper, the borrower and the lender each keep the same number of originals.

handwritten loan papers legal?

The handwritten loan paper does not violate the law on the form of the property loan contract. A loan certificate is valid when it has full information about the borrower, ID card/CCCD, certified signature, collateral if any, loan interest rate and loan term.

Some notes when making loan documents

+ Borrowers need to determine the ability to repay debt according to the commitment on the loan document.

+ Consider when one of the two does not comply with the agreement stated in the loan document.

+ Personal loan documents do not need to be notarized, but must ensure legality. If possible, notarization should be done to improve safety and ensure benefits.

+ A personal loan document that is not notarized but has all the necessary information is still legal enough to initiate a lawsuit.

+ In the loan document, if it is said to be indefinite, it means that the lender can claim it at any time.

+ Borrowers over 18 years old, have full civil acts.

+ The parties participate in borrowing and lending on a voluntary basis.

+ Loan interest rate is not more than 20%/year.

+ Borrowers need to determine the ability to repay debt according to the commitment on the loan document.

+ The loan document should mention the problem of debt settlement when one of the two does not comply with the agreement stated in the loan document.

The above article has compiled all the complete information about the handwritten loan application form and guided how to fill out the loan form correctly, ensuring the legality, rights and obligations of both the borrower and the lender. . Customers with loan transactions can refer to the above information to limit unnecessary risks.

Besides, if you are in need of a quick loan , register now with CashBerry to receive from 1-10 million in a day! CashBerry - a fast and modern online loan support unit that always meets the requirements of customers anytime, anywhere.

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