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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.
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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

Leaving job, financial crisis, you decide to withdraw social insurance to cover life. So, how much money do you get for withdrawing social insurance once?

Many workers (employees) face great financial difficulties. Among the options to solve the immediate difficulties, they decided to withdraw their social insurance (social insurance) once. So how much money can I withdraw from social insurance once?

One of the issues that employees are particularly interested in in recent times is "How much is the social insurance withdrawal entitled to? How is the one-time social insurance payment calculated? Let's find the answer to the above question with CashBerry!

What is one-time social insurance?

Before finding the answer to the question: "How much can I withdraw from social insurance once ?", you should clearly understand what is a one-time social insurance .

Social insurance is the compensation for a part of an employee's income when he or she falls ill, falls ill, becomes pregnant, has an accident at work, has an occupational disease, ends working age or dies. Employees participating in compulsory social insurance or voluntary social insurance after one year of retirement, do not continue to participate in social insurance contributions and in some other cases (not yet eligible for pension) are entitled to receive one-time social insurance.

Conditions for receiving one-time social insurance

Article 60 of the Law on Social Insurance 2014 as amended by Clause 1, Article 219 of the Labor Code in 2019 and Clause 1, Article 1 of Resolution No. 93/2015/QH13 specifying 6 cases where the participants of social insurance are entitled to receive one-time social insurance, specifically can:

●    Having reached the retirement age but have not yet paid full 20 years of social insurance contributions.

●    Full 55 years old but less than 15 years of paying social insurance premiums and not continuing to participate in voluntary social insurance.

●    Going abroad to settle down.

●    Persons suffering from life-threatening diseases such as cancer, polio, cirrhosis of the liver, leprosy, severe tuberculosis, HIV that has progressed to AIDS and other diseases as prescribed by the Ministry of Health.

●    Police and army soldiers when serving, demobilizing or quitting their jobs but are not eligible for pension.

●    Persons participating in compulsory social insurance after 1 year of leaving work or participating in voluntary social insurance after 1 year do not continue to pay but have not yet paid full 20 years of payment (according to Article 1 of Resolution No. 93/2015/QH3)

How is social insurance withdrawal calculated?

Withdrawing social insurance once is an option that many employees are thinking about. So how is social insurance withdrawal calculated? Here are the most popular ways to calculate the current social insurance benefits, specifically:

Use the tool to calculate the one-time social insurance automatically

- Compulsory social insurance calculation

Step 1: Access the one-time social insurance calculation tool.

Step 2: Enter the period of payment of social insurance by month/year and the salary for which social insurance is paid.

Click +ADD STAGE if paying social insurance in different stages and press +PAYTERY STAGE if any.

Step 3: Click the button CALCULATE social insurance.

- Calculating voluntary social insurance

Step 1: Access the tool to calculate voluntary social insurance 1 time

Step 2: Enter the periods by month/year and the salary paid for social insurance.

Click +ADD STAGE if paying social insurance in different stages and press +PAYTERY STAGE if any.

Then select your audience is poor households households poor or other objects.

Step 3: Click the button CALCULATE social insurance.

- Compulsory and voluntary social insurance calculation

Step 1: Access the 1 time compulsory and voluntary social insurance calculation tool

Step 2: Enter the period and salary to pay social insurance.

●    Click +ADD MANDATORY social insurance period to enter information about the period of payment of compulsory social insurance.

●    Click +ADD voluntary social insurance period to enter information about the period of payment of voluntary social insurance.

●    Press +PATIENT STAGE if available.

Step 3: Click the button CALCULATE social insurance.

Look up on VssID . application

Besides, to be able to check the accuracy, you can use the VssID application of the social insurance agency, after entering the social insurance code, you can review the participation process with the stages and the main insurance payment amount. corpse. Note to use and access this application, you need to register with the social insurance agency to activate your account.

- Note when calculating the one-time social insurance payment on VssID application:

●    This calculation system only applies to full-time employees who pay compulsory social insurance according to the salary system decided by the enterprise.

●    The calculation formula is only for employees who have paid compulsory social insurance for full 01 year or more.

●    The calculated one-time social insurance premium includes the slippage coefficient at the time of lookup.

Use the formula to calculate

How much is the social insurance withdrawal ? Employees can calculate the percentage of their social insurance benefits based on the following formulas:

* Employees pay compulsory social insurance

The calculation of one-time social insurance is based on the number of years of paying social insurance premiums, each year is calculated by:

●    1.5 months the average monthly salary on which social insurance premiums are based for the years of payment before 2014;

●    02 months the average monthly salary on which social insurance premiums are based for the years of payment from 2014 onwards.

Specifically, according to Article 19 of Circular 59/2015/TT-BLDTBXH, the one-time social insurance premium is determined by the formula:

Benefit level

=

(1.5 x Mbqtl x Time of payment of social insurance premium before 2014)

+

(2 x Mbqtl x Time of paying social insurance premiums after 2014)

In there:

●    The period of payment of social insurance premiums with odd months, from 01 - 06 months is counted as ½ year, from 07 - 11 months is counted as 01 year.

●    If before January 1, 2014, if the period of payment of social insurance premium has odd months, those odd months will be changed to the period of payment of social insurance from January 1, 2014 onwards.

Mbqtl: is the average monthly salary on which social insurance premiums are based.

Mbqtl

=

(Number of months of payment of social insurance premiums x Monthly salary/monthly income on which social insurance premiums are based x Annual adjustment rate)

÷

Total number of months of paying social insurance

 

 

According to Article 2 of Circular 23/2020/TT-BLDTBXH, the adjustment of the monthly salary on which social insurance premiums are based of employees applied from January 1, 2021 to the end of December 31, 2021 is as follows:

Year

Before 1995

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

Adjustment level

5.01

4.25

4.02

3.89

3.61

3.46

3.52

3.53

3.40

3.29

3.06

2.82

2.62

2.42

Year

2008

2009

2010

2011

2012

two thousand and thirteen

2014

2015

2016

2017

2018

2019

2020

2021

Adjustment level

1.97

1.84

1.69

1.42

1.30

1.22

1.18

1.17

1.14

1.10

1.06

1.03

1.00

1.0

Note: The one-time social insurance allowance for employees who have paid social insurance premiums for less than one year is calculated as 22% of the monthly salary for which social insurance has been paid. The maximum level is equal to 02 months of the average monthly salary on which social insurance premiums are based.

* Employees participate in voluntary social insurance

Specifically, how to calculate the one-time social insurance payment that employees participate in voluntary social insurance as follows:

Social insurance benefits 01 time

=

(1.5 x Mbqtn x Time of payment of social insurance before 2014)

+

(2 x Mbqtn x Time of paying social insurance premiums after 2014)

-

Amount supported by the State to pay voluntary social insurance (*)

In there:

●    The period of payment of social insurance premiums with odd months, from 01 - 06 months is counted as ½ year, from 07 - 11 months is counted as 01 year.

●    If before January 1, 2014, if the period of payment of social insurance premium has odd months, those odd months will be changed to the period of payment of social insurance from January 1, 2014 onwards.

●    (*) In case of suffering from life-threatening diseases according to regulations, the amount of money the State supports to pay voluntary social insurance will not be deducted.

- The amount of money that the State supports to pay voluntary social insurance (applicable from January 1, 2018) is calculated by the total amount of money supported by the State for each month of paying voluntary social insurance. The monthly support level is calculated according to the following formula:

Amount of monthly support from the State

=

0.22

x

Poverty line in rural areas in January

x

30% (poor households) or 25% (near-poor households) or 10% (others)

Mbqtn: is the average monthly income on which social insurance premiums are based.

Mbqtn

=

(Number of months of payment of social insurance premiums x Monthly income of payment of social insurance premiums x Annual adjustment rate)

:

Total number of months of paying social insurance

The adjustment level of monthly income on which social insurance premiums are based of employees applied from January 1, 2021 to the end of December 31, 2021 is as follows:

Year

2008

2009

2010

2011

2012

two thousand and thirteen

2014

Adjustment level

1.97

1.84

1.69

1.42

1.30

1.22

1.18

Year

2015

2016

2017

2018

2019

2020

2021

Adjustment level

1.17

1.14

1.10

1.06

1.03

1.00

1.00

Note: The one-time social insurance allowance for employees who have paid social insurance premiums for less than 01 year is calculated as 22% of the monthly income for which social insurance premiums have been paid, minus the amount of state support to pay. The maximum level is equal to 02 months of the average monthly income on which social insurance premiums are based.

For example: If you work from January 2017 to February 2021, you will have 2 periods of paying social insurance premiums with the corresponding salary of 5,000,000 VND from January 2017 to February 2019 and 5,200,000 VND for the period from March 3. /2019 - 02/2021 then calculate:

- Your total period of participation in social insurance is 04 years and 02 months (rounded up to 4.5 years).

- The time of being eligible to submit a dossier for one-time social insurance benefits is from March 2021. If in 2021, you carry out the procedures to receive one-time social insurance benefits, you will receive:

Average salary = {(12 x 5,000,000 x 1.1) + (12 x 5,000,000 x 1.06) + (2 x 5,000,000 x 1.03) + (10 x 5.200.000 x 1 ,03) + (12 x 5.200.000 x 1) + (2 x 5.200.000 x 1)} : 50 = 5,325,000 VND.

The one-time social insurance benefit = 2 x 5,325,000 VND x 4.5 = 47,926,800 VND.

Risks encountered when withdrawing one-time social insurance

Many employees who do not want to lose monthly costs to pay social insurance or need an amount of money to cover expenses will choose to enjoy one-time social insurance, however, it should be noted about the following damages:

●    The amount of social insurance received is less than the total amount of social insurance contributions.

●    Do not continue to accumulate time participating in social insurance.

●    You may lose your chance to get a free health insurance card.

●    There is no monthly pension in old age.

●    Loss of funeral and death benefits upon unfortunate death.

If the employee has reached retirement age but has not had enough years to pay social insurance premiums, he or she can continue to pay for the full number of years and receive benefits from social insurance.

Withdrawing social insurance once is a measure to help you solve immediate difficulties. However, if you withdraw your social insurance once, in the future when you run out of working capacity, you will no longer have financial security. So instead of withdrawing social insurance once, you can borrow money online to solve problems quickly.

Cashberry lends money fast, helping you solve financial problems safely and conveniently

Cashberry lends money fast, helping you solve financial problems safely and conveniently

Prestigious and quality online loan place

For those who are in financial difficulty, loans are considered their "saviour". However, you need to choose reputable financial institutions, to avoid falling into traps and many unfortunate consequences.

You can borrow money with low interest at CashBerry , this is a good option you can consider when you need money urgently. Currently, CashBerry is a reputable financial consulting company , providing fast and professional loans that are highly appreciated by many customers.

With just a mobile device with an internet connection, you can apply for an online loan at Cashberry quickly and conveniently. When borrowing money through Cashberry, you are committed to transparent loan-related information, multi-channel support for your convenience to track the loan.

CashBerry quick loan has a term from 92 to 183 days, loan limit is 100,000 VND to 10,000,000 VND disbursed in a day, average interest rate is about 10.95 - 14.6%/year, the lowest in the market today.

Here are the loan steps to help you get the money you want.

●    Step 1: After accessing the website or downloading the CashBerry app, you fill in your personal information to register for a loan.

●    Step 2: After successful registration, wait for the appraisal department to contact to verify the information (about 15 minutes).

●    Step 3: If the application is approved, you will receive money immediately after signing the contract.

Besides the simple procedure, CashBerry also has a customer care team to help you 24/7. If you have any questions about the loan application process, you can contact hotline 1900 63 83 85 or send a message to CashBerry Fanpage for support.

Have you got an answer about how much you can withdraw your social insurance once? If you need money to spend urgently, you can choose to borrow money online to solve problems in life. CashBerry always accompanies you!

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