Hey man, are you in need of a loan but the most embarrassing thing is to prove your income? Or in other words, just looking to any bank, they will also need to verify income through payroll, even self-employed or self-employed also requires income declaration when borrowing? How annoying! So where to borrow money without proving income quickly and safely?
Hey man, are you in need of a loan but the most embarrassing thing is to prove your income? Or in other words, just looking to any bank, they will also need to verify income through payroll, even self-employed or freelance also requires income declaration when borrowing? How annoying! So where to borrow money without proving income quickly and safely?
Then who is the borrower, what is the loan procedure & interest rate, what is the loan request? And most importantly, what tactics do you use to borrow without having to prove your income? Everything you want to know is right below, scroll down to find what you need.
Quick loans online is a form of borrowing money without face-to-face contact. Loan documents will be provided by borrowers and sent via website or mobile application including specific information such as ID / CCCD number, ID / CCCD photo, phone number, address, monthly salary, ... After successful review, the disbursed amount will be transferred directly to the customer's account.
● Fast review, quick disbursement, money to the account fastest after 5 minutes, slowest within 24 hours.
● No need to prove income, do not appraise home, keep confidential with relatives.
● No mortgage of property.
● Easily pay a loan via e-wallet, transfer or collection point.
● Easy loans with ID card.
● Vietnamese citizen from 20-60 years old
● Have a valid ID / CCCD
● Minimum stable income is 3 million dong
● Have a primary bank account
Life is increasingly modern, convenient and enhanced, each person's income will have to be used for many items such as: family expenses; health care; investment to improve professional knowledge; meet and exchange friends; ...
Love eating, "addicted" to shopping, so you easily fall into the empty scene of your wallet. From time to time, problems arise such as: home repair; need expenses for business travel; buying tours, ... but not yet the payday period.
You see, the usual financial needs will arise unexpectedly and unexpectedly. Maybe right now what you need is a quick loan? However, borrowing from relatives and friends is afraid of "debt of gratitude". Bank loan? Too troublesome and troublesome. Therefore, consumer loans without proof of income from CashBerry partners are the most effective solution for you. The loan form meets the criteria such as: instant loan with instant money; reasonable interest rate; simple procedures;…
Advantages of fast loans without proof of income at CashBerry:
As an online financial consulting company, a reputable loan company trusted by many customers, CashBerry has outstanding advantages such as:
After the loan is approved, you sign a loan agreement, the money will automatically be transferred to your bank account within 2 minutes. Without any collateral, you can still borrow up to 10 million dong.
Compared with consumer loans at other financial companies, the interest rate of cashberry products without proof of income is much lower, only from 10.95% / year. CashBerry always offers attractive interest rates to bring maximum benefit to its customers.
In order to help people stay away from black credit, CashBerry has increasingly enhanced and expanded the money- proof loan service to all subjects. All loan information is transparently notified by CashBerry when consulting and clearly presented on the contract. There are absolutely no hidden fees, no consultation and registration fees.
Consumer loan limit from CashBerry partners up to 10 million. The maximum loan term is up to 6 months. This limit and loan term can meet consumer needs, helping customers to have better financial plans.
You are in need of a loan without proof of income in HCM, have money within the day but still do not know how to register? Don't worry, just click here.
The above is a great way to help you borrow money quickly without proof of income most effectively, you can apply immediately to solve personal work. However, if you want to learn more about this form of loan, please refer to the content below!
In fact, if you work for a salary, proving your income doesn't matter. However, for clients who are self-employed or self-employed, it is difficult to prove real income. So consumer loans do not need to prove income is a loan product quite suitable for them.
Accordingly, borrowing money without proof of income is a type of unsecured loan that the customer (the borrower) does not need to provide proof of his income (such as labor contracts, payroll, certifications work, salary statements from the bank, ...).
This is a form of loan deployed by many reputable finance companies. Customers only need documents such as: utility bill, life insurance policy, vehicle registration certificate, ID card, household registration book, ...
Accordingly, organizations will consider lending based on personal reputation and ability to repay debts of customers. The borrower is responsible for paying the debt on time as prescribed in the mortgage loan contract.
People suitable for this form:
● People who are working for hire
Individuals working at agencies, organizations, companies, enterprises, with or without a labor contract, if they have a need for unsecured loans, are supported by the lender to complete the procedure. deal.
● Business owners, companies
While doing business, the lack of cash, flexible capital or urgent need for money but the capital turnover has not returned, this form can be chosen as a solution.
● Freelance business individual
Individuals who are pursuing a business path, or have a small business, when needed, can borrow money quickly without proving income.
● Freelance, not working yet
Loan products are suitable for freelancers, or in the process of looking for a new job.
Unsecured loan is a form of loan without collateral to support and serve shopping and daily consumption needs with a loan limit of 10 - under 500 million VND. Loan form is based on the credibility of the borrower for loan approval. As long as people can guarantee the creditworthiness and credibility of the bank or finance company, they can borrow quickly.
Reputation and creditworthiness when borrowing from a bank is based on the income, salary or security assets on the ability to pay debts after borrowing.
Most lending banks in Vietnam today, when having large loans, they must prove their own income and especially in loan terms, there will be conditions of minimum income. As for small and medium loans, some banks and finance companies will allow you to borrow without having to prove your personal income. Some unsecured loan products that do not necessarily have to prove potential income include:
● Unsecured loans according to pension at banks
● Loan under driver's license, life insurance, utility bill, ID card or household registration book at some finance companies.
With unsecured loans with no proof of income at the bank, you need to meet the following conditions:
● There are several types of documents: utility bill, payroll, life insurance policy, vehicle document or driver's license, ...
● Age from 23 - 60 years old
● Have a permanent residence or permanent registration in an area with a branch, office of the bank of the finance company.
● Have a stable job
● No bad debt or loans at other banks, finance companies
● Have a legitimate loan purpose
Add to that the unique conditions when people choose to borrow products according to the electricity bill or pension. Each product will have its own requirements, not everyone with the above papers can borrow.
The loan procedure depends on the terms of the loan application of each bank, but most of them need to prepare the necessary documents:
● Documents are loan conditions: original insurance policy, original salary book / pension receipt / pension account statement, utility bill + Payment receipt….
● Personal papers: Original ID card / passport / citizen identification card + notarized photo + Notarized photo registration book within 6 months
● Proof of work: Labor contract, position certification at the company, letter of appointment or promotion decision
The bank uses the following methods to request proof of income from the borrower, based on which it can determine the credibility of the borrower:
● Salary account statements
● Pension book
But people can use the following documents to replace proof of income like:
● Post-paid electricity, water, Internet / TV cable / telephone bills
● Bank account statements
● Vehicle registration certificate
● Life insurance policy
● Savings book
● Tax receipts for self-employed individuals
Borrowers may choose to borrow providing these documents instead of proving income through the lender's basic methods.
Borrowing money does not prove income, not all products that banks deploy. Therefore, if you are in need of a loan but cannot prove your income, you can refer to some of the following banks.
- Unsecured loan of SHB Finance
SHB Finance Company has many forms of unsecured loan. In it, in order not to have to prove income, people choose to borrow according to the loan product of the freelance object.
● Borrowing money with large limit from 9 - 50 million
● Low interest rate based on decreasing balance: 1.91 - 2.7% / month
● Installment loan term: 6 - 36 months flexible
? Loan terms
● Vietnamese citizen from 20 - 60 years old
● No bad debt, no loans at other banks
● There are special documents to not prove income by payroll: utility bill / life insurance policy / owner vehicle registration certificate / passport, ...
? Loan Procedures
● Valid ID card / CCCD
● Household registration book
● Loan application form
● Proof of residency such as utility bill / driver registration certificate / driver's license ...
● Electricity and water bills are over 150,000 / month and bills for 3 consecutive months
● Account statement
● Installment period: 6-24 months
- Loan to retirement from Sacombank
If you have a pension book, no longer work, you can use your pension book to borrow. Using salary book is no need to prove income when borrowing at Sacombank.
● Conditions and procedures are simple and fast
● Disbursement quickly to meet consumer needs
● Immediately giving away An Tam Credit insurance during the loan term
● Loan limit is up to 200 million VND
● Flexible installment payment for 5 years according to decreasing balance
● No proof of income, no mortgage, no collateral
? Loan terms
● Vietnamese citizen at the age of 51 - 65 years old for men and 46 - 65 years old for women at the time of borrowing.
● Have a household registration book at the lending branch
● Statement of the last 3 months of pension, at least 3 million / month
● No bank bad debts
● Good health condition
? Loan Procedures
● ID card / citizen identification card
● Household registration book
● Decision on retirement benefits / retirement certificate / Social insurance benefits in accordance with the law.
● Statement of salary account for the last 3 months, if receiving salary via bank account, if receiving cash, the receipt and payroll.
Installment period: 1-5 years
- Lienvietpost Bank Retirement Loan
Borrowing cash at the post office does not prove income, you can feel secure when borrowing money. The bank supports retirement loan packages for individuals with pension books, you do not need to prove your income.
● Loan limit is up to 300 million VND
● Flexible loan tenor up to 60 months
● Flexible loan installment monthly
● No proof of income, no mortgage of assets
? Loan terms
● Have a permanent residence registration in the area of Lien Viet bank branch
● Borrowing age must not exceed 75 years at the time of loan
● Employ agencies' retirement decisions
● No history of bad debt
? Loan Procedures
● Loan registration form cum loan agreement
● Retirement decision, Social insurance book and papers to determine the pension level.
● ID / ID card
● Household registration book / permanent residence registration with certification
● Retirement account statements for the most recent 3 months or local cash pension history
Installment period: 1-5 years
- Unsecured loan does not prove OCB income
OCB Bank is one of the banks that choose to borrow if you do not have papers to prove your income, unsecured loan products with many incentives.
● Loan limit up to 20 million VND
● No mortgage of assets, no proof of income, no mortgage
● Low interest rate 1.67% ~ 2.92% / month
? Loan terms
● Vietnamese citizens are between 21 - 55 for women and 21 - 60 for men
● Have a permanent household registration in the area of OCB bank branch
● No credit bad debt, no other loans at the bank
● There are bills such as electricity, water, Internet, cable TV, life insurance policy ...
? Loan Procedures
● ID card + Household registration book
● On-demand invoices (for 3 consecutive months with a minimum monthly limit of 150,000)
● Labor contract + Retirement decision (If borrowing according to the pension book)
● Loan application form cum loan contract according to the prescribed form of OCB bank
One thing is for sure that the interest rate when borrowing money without proof of income will be higher than other forms of borrowing at the bank and the loan limit is also lower. So when applying for a loan, you should borrow in accordance with your needs and choose a repayment period that suits your income.
Besides, you should pay attention to fees other than interest. When paying late, the penalty for late payment will be very high, and if you pay before the due date, you will also incur a fee.
In short, first, you need to calculate your ability to pay, clearly define your spending purpose. When signing a contract, it is necessary to carefully read the following contents: Interest rate, loan term, repayment period, repayment method ... In particular, you must pay attention to the penalty fee when breaching the contract.
Second, you need to choose a loan package that is just enough to fulfill your investment purposes, to avoid falling into attractive products or getting a lot of money. Borrowing and repaying debt is a long process, so don't let the benefits ahead of you go blind.
When you have carefully considered your ability and the purpose of using capital, you will definitely pay your debt on time. This not only gives you peace of mind, but also avoids the bad debt problem. Because when your bad debt history is archived, it will be very difficult for you to continue to borrow money from other banks and financial companies.
Everyone should understand that unsecured loans do not prove income with online loans are two completely different forms of borrowing.
● Unsecured loans do not prove income but require other documents to borrow such as insurance books, pension books, utility bills, ...
● Online loan is a form of borrowing money on online applications or websites, and does not have to prove income. However, with fast online loans, people can only borrow with a limit of less than 10 million dong. Meanwhile, unsecured loans have a higher limit.
Although the unsecured loan limit does not prove that the bank's income is somewhat higher, you have to spend time doing complicated procedures and papers. Borrowing conditions are difficult and not everyone can get loans.
As for online loans without proof of income, no matter who you are, you still have the opportunity to borrow and receive money quickly. With daily consumption needs, online loans are an extremely effective solution.
When in need of a loan without proof of income, you can choose to borrow money online from CashBerry. Not asking for anything, just ID card, you can immediately receive 10 million to your account. Let CashBerry support you with financial advice to help you overcome this economic crisis!