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Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
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.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
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

Borrowing money with social insurance seems easy and convenient, but it has many potential risks. In fact, can I borrow money or pledge my social insurance book?

Currently, the social insurance book is a document that many people use to pledge or borrow money. What is a loan with social insurance , can the social insurance book get a loan ? Should or should not use this form of loan?

What is a social insurance loan ?

Borrowing money with a social insurance book is a form of unsecured loan where customers do not need collateral to borrow money. Just use legal social insurance to apply for a loan.

The lending organization will base on the customer's social insurance card book to approve the loan. The social insurance book will be considered as a document to ensure the ability to pay the loan. Customers can receive loan disbursement in 2-3 days.

Borrowing money by social insurance usually has a moderate limit because this is a risky form of borrowing because the loan cannot be recovered. Because the social insurance book has no cash value, it is difficult to convert the value.

How much money can I borrow from social insurance books, where to mortgage?

The loan amount depends on the time of payment of social insurance and the regulations of the lending institution. The level of mortgage lending social insurance books are usually quite low, only from 5-15 million.

However, this is a rather risky form of loan for lenders, so there are very few official organizations that accept loans. There is not a single bank or financial company that deploys a mortgage loan product with a social insurance book. Therefore, you can only borrow money in this form through pawn shops.

Currently, there are not many organizations that lend money using social insurance books

Currently, there are not many organizations that lend money using social insurance books

Is it possible to re-issue the mortgaged social insurance book?

According to Article 96 of the Law on Social Insurance 2014, a social insurance book is issued to each employee to monitor the payment and enjoyment of insurance regimes. The book is the basis for settling social insurance regimes according to regulations. This law also stipulates that employees are responsible for maintaining social insurance books.

However, many employees bring their social insurance books to pledge, then ask the Social Insurance agency to re-issue them with the reason that they are damaged or lost. In cases where the employee has mortgaged or pledged the social insurance book, a new one cannot be reissued.

At the same time, according to Clause 1, Article 27 of Decree 95/2013/ND-CP on sanctioning of administrative violations in the field of labor and social insurance, in this case, the employee may also be fined from 500,000 VND - 01 million for making incorrect declaration.

According to the Law on Social Insurance, if a person participates in social insurance, only he/she is entitled to benefits or his/her relatives are entitled to it in case he/she dies (survival regime). Therefore, the pledgee of the insurance book is also not entitled to receive salary, allowance or any other benefits from the insurance book of the pledgee.

Therefore, the mortgaged social insurance book will NOT be re-issued but may also be subject to an administrative penalty. And the mortgagee is not entitled to benefits from the mortgagor's social insurance book.

Should you borrow money with social insurance ?

The handing over of social insurance books brings many practical meanings as employees are more proactive in managing the process of payment and benefits for themselves; participate in supervising the implementation of the law on social insurance by the employer and the social insurance agency.

In case the employee pledges or mortgages the social insurance book, it will greatly affect the social security benefits for the employee. When there is a risk, and the current employee's social insurance book is not kept by the employee, the issue of benefits will be very difficult.

On the other hand, if the employee uses the social insurance book to buy, sell, exchange or mortgage, when there is a legal dispute, the employee will suffer. Therefore, employees absolutely do not mortgage or sell their social insurance books to prevent and avoid bad situations that may occur. Social insurance books must be considered as a special type of property associated with the employee's personality and inseparable interests.

If you need to borrow money, you should refer to bank unsecured loan products, or more conveniently, borrow money online with the CashBerry application .

Borrow money online easily, receive money in 24 hours

Borrow money online easily, receive money in 24 hours

Quick loan with CashBerry app

Quick loan with CashBerry application, is one of the best options for those who are in need of money urgently . Because at CashBerry, you will get a loan quickly, just 30 minutes, you can receive money to your wallet.

Reasons to borrow money quickly through CashBerry

Here are the reasons why you should choose CashBerry to borrow money.

●    Fast online loan 1 - 10 million in 24H.

●    Flexible term 7 - 30 days (according to customer needs).

●    Interest rate 10.95 - 14.6%/year is the lowest in the market today.

●    No mortgage, no proof of income.

●    Borrow 100% online without meeting.

●    The loan contract is transparent and specific, customers are informed of loan information before borrowing.

●    Support for bank bad debt .

●    Loan extension when it is difficult to repay.

●    There are many preferential programs from time to time such as early payment will be reduced interest, loyal customers will be increased loan limit, ...

Steps to apply for a quick loan online CashBerry

CashBerry is always proud to be the unit that provides customers with online loan services with simple application procedures and fast disbursement time. To complete the loan process with CashBerry, customers only need to go through the following basic steps:

●    Step 1: Download the CashBerry app or visit the website on your smart mobile device and complete the profile with the necessary personal information.

●    Step 2: After registration is complete, wait for loan approval for about 15 minutes. The appraiser will contact you to confirm the information and inform the loan approval amount.

●    Step 3: If the application is approved, you will be disbursed to your bank account immediately.

Besides simple procedures, 100% online support, 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 Fanpage CashBerry - Everyone's financial friend for answers.

Above are sharing about the form of borrowing money by social insurance . There are many ways to get a loan, and borrowing money online is one of the useful ways to help you overcome financial difficulties quickly. Borrow now, money back within the day!

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