Borrowing under health insurance is currently the most interested installment loan product today. This form of loan is suitable for customers who are working for wages at companies, factories, state agencies, etc., who participate in monthly health insurance contributions. Compared to other financial institutions, VPBank's health insurance loan products have always been trusted by customers because of many outstanding points that not all financial institutions and banks can do. So what are the terms of the loan? How should the profile be prepared? How much interest? Follow the content below to get the answer to this question.
The concept of loan form according to the health insurance card
Borrowing under health insurance Simply understood as a form of unsecured loan with installments, no collateral is required. Borrowed money is used for spending purposes. This loan is considered a support plan for customers who are employees of the company, are working for salary and are entitled to buy health insurance according to the provisions of the Labor Law.
Borrowers only need to prove through their health insurance card, good history, that they can get loan support, quick approval time with preferential interest rates. Usually, the bank or financial company will rely on the customer's monthly insurance premium to consider the appropriate loan amount.
Why borrow? Are health insurance and ID cards popular?
The consumer lending market is increasingly exciting with a series of lending addresses and financial companies being born. However, Vpbank's health insurance loan still has a strong foothold and is trusted by many customers, especially in the form of insurance loans. By some of the following impressive strengths:
- Application processing time is only 30 minutes.
- Confidentiality of all loan information with relatives and family. This is the strength of Fe Credit that many financial companies cannot do.
- Accept that you have bad debt.
- Borrowing limit under the health insurance card ranges from 10 to 100 million VND.
- Maximum loan repayment period is 24 months.
- Support for borrowers nationwide.
- Borrowing age is from 18 to 60 years old.
- Simple loan application and procedures.
- Interest rates from 1.86/month - 2.45%/month.
- No need to meet to make documents, online loan support via website, phone or online loan applications easily.
- Time to repay or settle the loan according to the needs of the customer.
- Diversify disbursement channels such as cash, transfer for customers to choose.
Procedures and conditions for borrowing under health insurance at VPBank
Loan conditions
To get a loan under a health insurance card, customers need to meet some basic conditions as follows:
- Age 17 and up.
- Health insurance card valid for 1 month or more.
- Credit history, good installments are plus points for faster loan approval.
Loan procedure
Customers are required to prepare the following necessary documents:
- Valid ID card (CMT/CCCD).
- The health insurance card is still valid.
- Original labor contract at the company at the time of borrowing.
The process of applying for a loan under a health insurance card at VPBank
Borrowing under a health insurance card will include the following basic steps:
- Customers provide full personal information upon request.
- The system conducts automatic loan approval.
- Disburse the loan.
It only takes a few minutes to disburse loans for customers, and money can be returned within the same day. FE Credit operates 24/7 to support borrowers at any time, including Sundays, holidays or late nights. If customers borrow money at FE for the first time, they will enjoy the preferential loan interest rate of 0%, no consultation fee. This is the outstanding feature of this unit that attracts the attention of many borrowers.
Borrowing under health insurance and some related questions
Borrowing under health insurance VPBank increasingly favored by customers. If you are wondering whether to get a loan or not, don't skip a few questions right below.
Borrowing under a health insurance card(health insurance) of Does VPBank need a mortgage?
According to updated information from VPBank, this insurance loan does not need to mortgage, pledge papers or any other assets. All refunds can be easily borrowed without mortgaging red book, household registration, motorbike, phone, etc. or cumbersome procedures as before. If you choose to borrow online, you just don't need the original ID card, just a photo of the ID card.
Do health insurance loans accept bad debt?
Regardless of whether you have outstanding loans elsewhere or have bad debts, you can still borrow in this form. VPBank still allows borrowers to carry out procedures even if they have bad debts in groups 5, 4, 3, 2, 1.
Is VPBank a scam?
As can be seen, the procedure is simple and extremely convenient, the chance for customers to be disbursed can be up to 98%. borrowing under health insurance(Health Insurance) Always appreciated by everyone. With attractive interest rates, VPBank is one of the best money lenders in the market. Therefore, the information that VPBank provides fraudulent health insurance loans is incorrect and unverified information.
Epilogue
Borrow under health insurance is becoming popular with people who are in need of a loan today. Hopefully, through this article, you have better understand this loan method as well as the information you need to know before deciding to take a loan to solve your financial needs. Good luck with your health insurance loan.
Customers who need advice on borrowing under health insurance, please contact:
Editor: Nganhangmobile.com
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