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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

Do you own a savings card, certificate of deposit, bills...? Do you have financial needs but do not want to settle valuable papers ahead of time? The mortgage loan product with valuable papers will be the financial solution for you.

Do you own a savings card, certificate of deposit, bills...? Do you have financial needs but do not want to settle valuable papers ahead of time? The mortgage loan product with valuable papers will be the financial solution for you.

In addition to unsecured loans for personal consumption, mortgage loans for savings books and valuable papers are also a convenient solution for many people.

With unsecured loans, customers can only borrow up to 500 million VND for the purchase of household appliances. Meanwhile, customers who need to borrow more for other purposes can use valuable papers or undue savings books to borrow easily.

However, there are currently many people who have a need for a loan, but are still afraid or confused about this type of loan, how the procedure is, and which bank to borrow. In this article, CashBerry will explain what a mortgage loan is, and show banks that offer mortgage loans with good interest rates.

What is a mortgage loan for valuable papers?

Currently, in the Civil Code, there is no specific definition of valuable papers, but only stating that valuable papers are a type of property. According to Clause 8, Article 6, Law on State Bank of Vietnam 2010; Clause 1, Article 3 of Circular 04/2016/TT-NHNN and Clause 1, Article 2 of Circular 01/2012/TT-NHNN stipulate:

│"Valuable papers are evidence confirming the debt repayment obligation between the issuer of the valuable paper and the holder of the valuable paper within a certain period, interest payment conditions and other conditions." │

Thus, valuable papers are certificates or book entries, which confirm the property rights of a certain subject (organization, individual) in terms of legal relationship with other subjects.

That means that use right certificates such as land use right certificates, house use right certificates, motorbike and car registration certificates, etc. are NOT valid papers. price.

House and land certificates are not valuable papers

House and land certificates are not valuable papers

Valuable papers

Based on the answer on valuable papers in Official Letter 141/TANDTC-KHXX, a number of valuable papers are listed as follows:

a) Bills of exchange, promissory notes, checks and other negotiable instruments specified in Article 1 of the 2005 Law on negotiable instruments;

b) Government bonds, corporate bonds, promissory notes and stocks specified at Point c, Clause 1, Article 4 of the 2005 Ordinance on Foreign Exchange;

c) Bills, bills of exchange, bonds, bonds and other instruments giving rise to debt repayment obligations specified at Point 16, Article 3 of the 2009 Law on Public Debt Management;

d) Types of securities (stocks, bonds, fund certificates; right to buy shares, warrants, call options, put options, futures contracts, groups of securities or securities indices; Contribution contracts; investment capital; other types of securities prescribed by the Ministry of Finance) specified in Clause 1, Article 6 of the Law on Securities 2006 (amended and supplemented with a number of articles in 2010);

dd) Corporate bonds are specified in Article 2 of Decree No. 52/2016/ND-CP dated May 19, 2006 of the Government on “Issuing corporate bonds”…

Thus, the types of papers mentioned above that are recognized by law as valuable papers include:

● Stocks;     

● Bonds; Fund certificates;     

● Bill of exchange, promissory note     

● Promissory note;     

● Czech;     

● The right to buy stocks, warrants, futures contracts, groups of securities or stock indices, contracts to call for investment capital;     

● Certificate of deposit.     

Stocks, bonds, fund certificates are among the valuable papers

Stocks, bonds, fund certificates are among the valuable papers

Value of valuable papers

Because valuable papers are also included in 04 types of assets including: money, objects, valuable papers and property rights; We often encounter valuable papers as collateral when making loans at commercial banks. Let's take a look at how valuable papers are at commercial banks:

● Valuable papers with high liquidity should be used as collateral when borrowing from banks.     

Depending on the policy of each bank, the loan amount may be more flexible. But most banks lend up to 75% of the value of valuable papers. The value of valuable papers must be equivalent to or higher than the loan amount because to ensure the interests and interests of the bank when there is a risk to the loan.

● Customers can borrow from banks by mortgaging corporate bonds.     

This is a collateral to help individuals and businesses increase the loan approval rate of banks, promptly meeting the shortfall when needed.

● Savings book in currency: Vietnam Dong, USD or EURO is accepted as pledge at credit institutions.     

When borrowing as a pledge of a savings book, customers are entitled to borrow money according to the term but not exceeding the time limit stated in the contract or mortgage papers. The bank's lending activities reduce the risk of loan loss by securing loans with valuable papers, helping to promote the bank's lending activities to develop steadily.

You can use a passbook to borrow money with a high limit

You can use a passbook to borrow money with a high limit

Thus, when you need to borrow money, collateral is valuable papers that play an important role in the process of raising capital. In addition, it is also necessary for commercial banks to help prevent loan risks. Therefore, collateral is a valuable paper that brings benefits to both parties in the credit service.

The following is a list of the top 5 banks that provide mortgage loans for your reference.

Top 5 banks for mortgage loans of valuable papers

List of banks providing mortgage loans for valuable papers

BANK

PRODUCT

LOAN PACKAGE INFORMATION

Vietcombank

 

 

Mortgage loans of valuable papers Vietcombank, Pledge loans of valuable papers

 

- Interest rate/year: 15%

- Maximum loan: 100% GTCG

- Minimum income: Have proof of income

- Type of loan: Loan according to salary

TPBank

 

Apply for TPBank savings book, mortgage loans for valuable papers

 

- Interest rate/year: 8.28%

- Maximum loan: 1 billion VND

- Minimum income: Flexible

- Type of loan: Loan according to salary

HDBank

 

 

HDBank valuable papers discount, Valuable papers mortgage loan

 

- Interest rate/year: 13%

- Maximum loan: Flexible

- Minimum income: Flexible

Loan type: Salary loan

MBBank

 

 

Mortgage of valuable papers MBBank, Pledge loans of valuable papers

- Interest rate/year: 13%

- Maximum loan: 100% GTCG

- Minimum income: Flexible

- Type of loan: Loan according to salary

Nam A Bank

 

 

Loans for mortgage of savings books and valuable papers Nam A Bank

 

- Interest rate/year: 14.5%

- Maximum loan: 100% GTCG

- Minimum income: 3 million VND

- Type of loan: Loan according to salary

 

Besides the above 5 banks, you can also mortgage valuable papers at banks such as Sacombank, SHB, VPBank, BIDV, Vietinbank,... Note, the above interest rate table is for reference only. survey. For detailed information, you should visit a bank branch for more specific and detailed advice.

Advantages of loan packages with valuable papers

  1. With papers of high value and guaranteed as well as certified by management parties such as state agencies and banks, the time to receive documents and appraise them is quite fast. Many banks can disburse within 30 minutes.
  2. The interest rate of the loan package through valuable papers is also considered quite low compared to other types of unsecured loans (from 13% - 15% depending on the bank).
  3. The value of the loan package can sometimes be up to 90% - 100% of the value of the paper if the paper is under the management of the lending bank.

Necessary conditions and procedures when taking out a mortgage loan

Depending on the regulations, each bank will have different conditions and procedures for mortgage loans. However, to be eligible for a mortgage loan, you must meet the following conditions and documents:

– ID/Passport of the customer.

- Original valuable papers.

– Credit contract cum loan request/debt repayment commitment, cum Pledge contract (according to the bank's form).

– For the case of GTCG issued by another organization: The original certified by the place of issue of the GTCG, cum the authorization letter for withdrawal.

The above is information about mortgage loan documents you can refer to to supplement your knowledge and support to borrow money. Besides, if you have a need for unsecured consumer loans, you can register for CashBerry to receive a limit of 1-10 million within a day. CashBerry - an online financial consultant to support you anytime, anywhere.

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