Borrowing cash with an ID card is a financial solution with simple documentation and an easy process, offering limits up to 15 million VND. Consumers can quickly apply for a loan in just 4 steps right on their mobile phones through Mirae Asset Finance.
Content in the Article
- Borrowing limit when using an ID card
- How to calculate loan interest
- Benefits of Unsecured Loans with an ID Card
- 3.1 Fast loan approval time
- 3.2 Transparent interest rates
- 3.3 Simple procedures
- 3.4 No collateral required
- 3.5 No processing fee
- 3.6 Easy online payment
- 3.7 Track loans anytime, anywhere
- Detailed guide for 4 steps to borrow cash with an ID card Step 1: Apply for a loan Step 2: Staff consultation Step 3: Sign the contract Step 4: Receive the loan via transfer
- Safe and transparent online loan addresses
- Borrowing limit when using an ID card Mirae Asset Finance offers unsecured loans in 8 different forms, with borrowing using an ID card being the simplest. It supports customers in quickly borrowing cash to meet daily consumption needs.
Details about this loan type are as follows: Limit: Up to 15 million VND. Eligibility for applying with an ID card:
- Nationality: Vietnamese.
- Age: 20 – 60.
- Income: 3 million VND/month or more.
- Address: Residing and having permanent residence in provinces/cities with Mirae Asset Finance Vietnam offices.
- Other conditions: According to Mirae Asset Finance Vietnam’s unsecured consumer loan product regulations at different times. Loan term: Flexible, 12 and 18 months. The loan conditions are simple, not complicated, and do not require extensive documentation.
- How to calculate loan interest
- When borrowing with an ID card at Mirae Asset Finance Vietnam, customers only need to pay an interest rate of 4.58% per month. The principal and interest do not need to be paid all at once but gradually each month. By the end of the loan term, both principal and interest will be fully paid off. For example: A loan with a limit of 15 million VND for a 12-month term, each month the customer needs to pay only 1,652,845 VND for both principal and interest. The debt will be fully paid off after 12 months. How to calculate the cash loan with an ID card at Mirae Asset Finance Vietnam.
- Benefits of Unsecured Loans with an ID Card
- 3.1 Fast loan approval time
- To meet the development of unsecured lending activities, many financial companies have improved and upgraded their management systems to be modern and professional. The well-trained and experienced staff will review and assess applications quickly. The loan approval time ranges from 3 to 5 days. After submitting the application, customers will receive a notification of the approval status. The loan will be disbursed on the same day. Urgent and immediate expenses will be promptly addressed.
- 3.2 Transparent interest rates
- The interest rate for cash loans with an ID card at Mirae Asset Finance is 4.58% per month. This interest rate is clearly stated in the loan application and directly communicated with the customer during consultation. All customers are clearly explained about the interest rate and how it is calculated before signing the contract. This ensures transparency and peace of mind when applying for a loan.
- 3.3 Simple procedures
- The loan process goes through 3 steps with relatively simple documentation. Customers only need to provide the following papers:
- 3.1 Fast loan approval time
- Benefits of Unsecured Loans with an ID Card
- ID card (valid for 15 years).
- Household registration book.
- Proof of residence as per current regulations of Mirae Asset Finance Vietnam.
- Health insurance card.
- 3.4 No collateral required
- An unsecured loan is a type of borrowing that does not require collateral or any secured assets. Thus, customers do not have to worry about their existing assets. This is also an advantage for customers who do not have secured assets, such as recent graduates, workers, and students.
- 3.5 No processing fee
- Compared to many other financial companies, borrowing cash with an ID card at Mirae Asset Finance does not require a processing fee. The consultation, application receipt, and processing are completely free.
- 3.6 Easy online payment
- To provide convenience and the fastest loans, Mirae Asset Finance has applied 4.0 technology and partnered with many reputable electronic payment units. Borrowers can make payments in 3 ways:
- Online payment on the My Finance application.
- Cash payment through Payoo, Post Office – Bank, Viettel – Vi Viet.
- Online payment via electronic wallets such as Airpay, MoMo, Viettel Pay, Bankplus, Vi Viet – super fast and convenient. Steps to pay the loan on the My Finance application.
- 3.7 Track loans anytime, anywhere
- With the My Finance application, customers can not only make loan payments but also track their loans anytime, anywhere. This allows them to know the repayment progress, remaining balance, and how much time is left until the next due date, helping them plan their expenses and future loan applications (if needed).
