In everyday life, the financial need is an essential issue and sometimes also a burden. Especially in the post-COVID-19 period, the need for personal finance, in particular cash loans, increased when income declined after a period of economic slowdown due to the impact of epidemics. .
The emergence of legal financial companies for more than a decade has created new trends and changed shopping habits. Consumer finance companies have come up with suitable financial products and solutions to serve people's consumption purposes.
When in need, borrowers can completely avoid black credit and still borrow money in the form of unsecured loans by choosing legal credit institutions under the management and supervision of the State Bank. .
For example, when borrowing via CashBerry, customers only need to provide some basic documents to complete the loan application. Customers also do not need to wait long, the time to review the application and disbursement thereafter are quite fast, most are disbursed during the day.
As a reputable and responsible finance company, CashBerry lends cash to customers nationwide, especially those with a good history of payments.
It is known that from the first loan with a financial institution, the customer's credit history will be stored at the National Credit Information Center (CIC), becoming an important basis for customers to be approved. borrow and receive preferential loans in the following times.
When becoming a loyal customer, borrowers will easily borrow cash with more preferential interest rates and larger loans. Without collateral, customers can be loaned up to 10 million VND .
CashBerry's quick-cash loan advisor will advise customers on loan packages that match their income and repayment ability. CashBerry also clearly and transparently communicates how much money customers need to pay and for how long.
Then, from the information provided by the customer, the credit appraisal department will approve a suitable loan to help the borrower to meet their financial needs while maintaining a good credit status.
The special thing is, day and night, whenever you need it ...
* YOU ALWAYS HAVE A LOAN
Records and fees
No financial proof
No application fees
No commission fees
Browse the latest loan in 24h
Disbursement 2 minutes after signing the contract
The lowest interest rate in the market
Cash lending with only handwritten notes and no collateral with other assets is quite common in rural areas. Most of the notes on the debit note only write a few items such as amount, repayment period, interest rates, signatures of the parties and no collateral. With such a paper, the lender is at a disadvantage in getting back his loaned assets.
For CashBerry, before receiving the loan, customers will receive all information such as interest rate, payment term, amount received, total payable amount, ... which are transparent in the contract. borrow.
With interest rates of 10.95 - 14.6 / year , perhaps nowhere can be lower than that number. From there, customers can rest assured to trust CashBerry.
If you are not sure what cash loan is, including what forms, if you want to learn more before getting a loan, please see the information below.
Cash (cash) in a narrow sense, it is money emitted by a central bank and is in the hands of the public or outside the banking system (usually denoted by C p ). In the broadest sense, cash is understood to be things that can be used directly to pay for transactions and include deposits in the bank. Thus, in this case the concept of cash is used to refer to the most solvable form of an asset, including currencies emitted by the middle bank and held by the public for spending.
Cash loan is one of the loan services which are very popular today because of the variety of forms, easy in procedures and attractive interest rates. When getting cash loans to solve financial problems, customers will be exposed to the following two popular loan forms.
Quick cash loan without collateral is a form of loan without collateral. Based entirely on the individual's reputation for repayment capacity, organizations consider you eligible for a loan or not. In essence, this is a form of unsecured loan so the loan amount is not too large, but the loan procedure is quite simple to help customers quickly receive money.
Currently, there are many forms of non-mortgage loan for customers to refer and choose. As follows:
Borrowing money with household registration book and ID card is a form of quick loan without proof of income or a guarantor, but only need to provide household registration book and ID card to the bank or finance company.
● Borrowers do not need to prove income and collateral. Only need household registration book or ID card.
● You can choose the loan amount and payment period flexibly.
● Loans up to 70 million dong.
● Flexible loan period from 06 months to 24 months
● Simple loan application, you just need to wait for a period of 3 - 7 days to receive the loan
● Do not go to the assessor.
Consumer loan in cash is a form of unsecured loan applied to people who are wage earners and are paid in cash monthly to meet consumption purpose in life.
- Loan terms
● Be a Vietnamese citizen with a definite permanent residence and age 21 or older.
● Have worked in companies, businesses, non-business units, ... for 3 months or more.
● The average minimum salary in the last 3 months is from over 3 million VND / month.
In addition to the above conditions, banks also have requirements at the time of unsecured loans, customers do not have bad debts at any organization.
- Document procedures need to prepare
● Photo 3x4
● Copy of identity card (original for comparison)
● A notarized copy of the complete household registration book
● Payroll for the last 3 months or a proof of your salary (copy)
● Labor contract or working confirmation from the agency or company where you work (copy)
● Photo health insurance card
● Other documents (if available or required).
Unsecured loans under life insurance are for customers who are life insurance policyholders who need to borrow money without collateral. The principle is that the higher the monthly fee, the lower the interest rate will be.
● No need to prove income, no need to mortgage assets
● Flexible time is about 6 - 36 months
● Fast loan approval, usually within 2-3 days
● Large loan, up to 100 times the monthly fee
● Lowest interest rate about 1.66% / month
● You can prepay the term at any time
● Full loan application fee waived.
With this loan support product, the borrower does not need to mortgage the car and does not need a third party guarantee. So you can still use the car as usual. Depending on the car manufacturer, the number of years used, the lender will consider and approve the maximum amount you can borrow. Accordingly, the amount you can borrow can be up to 70% of the value of the car.
Quick loan with Viettel sim is a form of loan that does not need to prove income, does not need collateral. As long as you are the Viettel subscriber owner, you can get a loan for consumption and shopping purposes.
When borrowing money with Viettel sim, you will receive a consumer loan quickly within 12 hours. The bank also does not need to visit your home for address verification.
In addition, customers can refer to some forms of quick loans without collateral such as:
● Quick loans on electricity bills do not have to prove income
● Quick loan under old unsecured contract
● Quick loan under business license
Currently, the interest rate for unsecured cash loans, based on the agreement between the parties, does not have a detailed regulation framework. However, the interest rate for bank unsecured loans usually ranges from 15-18% / year and over 20% for financial companies.
In order for customers to easily access loans, banks support them in many ways such as reducing interest rates, implementing promotions, and easy loan terms. And these are some pretty good options for customers who are in need of unsecured loans.
● Maritime Bank
● BAOVIET Bank
For customers wishing to borrow consumer unsecured loans, choosing the best finance company is not easy. Here are the top 5 most prestigious financial companies in Vietnam.
● FE Credit
● Home Credit
● HD SaiSon
● Prudential Finance
* How much money can I borrow?
When you borrow unsecured loans, the maximum amount you can borrow depends on many factors. In it, including the customer's location, the situation of the work unit, the working time, the level of income and the form of receiving the customer's income.
With a perfect profile, you can completely accept unsecured loans with the amount of up to 10 - 15 times your income. However, this number will still be limited, normally will not exceed 500 million VND.
* Loan conditions and procedures
● Have a stable and stable income. Some banks accept income from 4.5 to 5 million / month, and many banks also require higher.
● No bad credit at other banks or financial institutions.
● Some other basic conditions: Customer is a Vietnamese citizen, aged 18 - 60 years old, has a permanent residence or temporary residence at the lending bank.
● You can borrow unsecured loans at many different banks, but the bank will consider your repayment level to be able to approve a loan or not.
The loan application is quite simple, including:
● Loan application form (bank form)
● ID card / Passport / Citizen card
● Permanent or temporary residence book KT3
● Proof of income: For salary based loans, customers need to provide payroll / salary statement for the last 3 months or a 1-year labor contract or documents proving the position other.
In addition to the forms of fast money loans without collateral, financial institutions also deploy additional cash loan installment services for customers to have more options.
Cash installment loan is a loan product that does not need to mortgage collateral and has equal monthly repayment terms of principal and interest. In which, the payable amount of each month is equal, the interest is calculated on the principal balance and the actual number of days of the repayment term.
Monthly installment cash loan is a form of unsecured loan, when borrowing does not need to mortgage assets. Customers in need of loans will pay the debt by paying monthly installments. With this form, it is entirely based on your own reputation to borrow money, the loan limit is high and the loan term is quite long.
The outstanding advantages of this form of installment cash loan are three no: No mortgage, no guarantee and no service fee.
However, the interest rate for unsecured loans is usually higher than that of mortgage. If you do not consider it carefully when taking a loan, you will most likely fall into insolvency. As such, you will be classified into a bad debt rating, the level depending on the nature of your loan. Getting a bad debt credit will make it difficult for you in the next few loans. Even, for some reason, if you deferred payment will also be recorded in bad debt.
* Installment loan interest rate
Installment cash loans currently have the lowest interest rate from 0.8% / month. Borrowing up to 500 million VND without mortgage of assets without guarantee of working units. Loans by salary, electricity bills, loans under life insurance, loans by credit cards, loans under old credit contracts.
* Institutional cash loan installments
Along with the development of life, the demand for consumer loans is increasingly high. In particular, many people choose to pay by installments because they pay many times, reducing financial pressure. Here are some reputable installment loan addresses that you should not miss:
● Home Credit
● Prudential Finance
● FE Credit
● HD Saison
- Cash installment loan procedure
● ID card, household registration book, photo card 3x4.
● Application form for a loan loan.
● Electricity and water bills for the last 3 months (if you borrow according to the electricity / water bill).
● Labor contract / salary statement (if loan is based on salary).
● Insurance contract (if borrowing under insurance).
● Business registration certificate (if borrowing under a business license)
● Photo of credit card (if borrowed by credit card).
It can be said that Ho Chi Minh City is the most densely populated place in the country with more than 9 million people. For many people, this is really a promising land because there are always many job opportunities with modern urban systems, developed infrastructure with skyscrapers and many attractive entertainment areas. guide.
There are many promises, but with that of course there is no small pressure because the cost of living in Saigon is quite expensive. There will be times when you have financial difficulties. Borrow relatives, friends? I think that, in this day and age, few people want that, because money is one of the easiest causes of emotional fractures.
Therefore, CashBerry understands your worries and concerns and has formed a cash loan package in the city. HCM so you can solve your economic problems. Not to disturb anyone, economic autonomy, quick, self-repayment loans and self-handling troubles are what modern people are aiming for.
What problems are you facing in HCMC?
● You are a student, lack of money to pay tuition fees, want to borrow a friend but hesitate to open up?
● Are you an office worker, having problems at work, need a non-mortgage cash loan?
● Does your family have a hospitalized person who needs cash to pay hospital fees, but all access sources are stuck?
● You need to buy a new car, but lack a sum of money, do not want to disturb your family and friends?
● At the end of the month, when the money is gone, what should a best friend's child do for the wedding?
● There's just a sale of cheap airline tickets to travel with family, but winning on the occasion of running out of money, does that hurt?
Understanding all these problems, CashBerry has opened fast money loan service, hot money loan in Ho Chi Minh City to be able to solve all the difficulties that are facing.
● The borrower has a permanent household registration in HCMC
● At the age of 18 - 60 years old
● No distinction between job and gender
● Have a monthly fixed income (minimum VND 3 million / month)
#2. Loan terms
Only need ID card to be able to borrow cash quickly, borrow cash with low interest rates. Also do not need any other records.
# 3. Installment loan with flexible term at CashBerry
- Loan Term: minimum 90 - 180 days
- Loan Limit: 500 000 - 10 000 000 VND
- Interest rate: 10.95 - 14.6% / year
* For new customers:
● Please choose the amount and deadline. Once done, click the button "RECEIVE LOAN"
● Fill in personal information and complete the loan request form
● Waiting for approval and Signing contract
● Receive money as soon as you sign the contract
* For former customers:
● Please log in to your personal account
● Select the desired amount and loan term and submit the request
● Waiting for approval and Signing contract
● Receive money as soon as you sign the contract
Besides CashBerry, there are other financial companies that provide cash loans. However, to successfully and securely borrow, borrowers must learn to choose the most suitable finance company. Choosing the right place to borrow will save each person a lot of time and effort.
What the borrower needs the most attention is that before applying for a loan, the borrower must evaluate his or her solvency to decide a suitable loan. Be sure to pay off all your debts, including existing loans and new loans. Often times, applications for a loan with a clear purpose such as shopping for items, a profitable small business will be approved easily.
Many people still have doubts: How to make money? Should I borrow money? Loan money and how to repay? These questions go on like a jumble.
And, what will make it easier for you to "breathe" with your post-season loans?
In fact, the demand for loans after the season has increased slightly compared to the previous period. Many customers have actively turned to financial companies to ask for information about loans and incentives when applying for cash loans. The majority of customer needs focus on solving immediate problems.
Along with finding information about loans, you should make a clear and detailed financial plan. How will you use this loan? Does the monthly loan for money cover the basic expenses of you and your family? What are your contingency plans? You should take turns answering the questions above before deciding to apply for a specific loan.
Easy and fast cash loan with CashBerry, 0 VND account will stop being a worry. Register quickly within 1 minute with just one phone with the CashBerry app installed. Money is transferred to the account immediately after 30 minutes, since the loan activation. Experience with CashBerry today to enhance your life.