There is a new lending solution to help workers who need loans but have low incomes - having difficulty accessing traditional loan packages at banks.
Scan Viettel Money QR code to borrow money easily, solve financial needs immediately
In a challenging economic context, especially for low-income workers, access to loans has become an essential need.
Easy to borrow quickly, low interest rates
To support this group of people, many financial solutions have been deployed with the participation of large organizations, including Viettel Money - a pioneering digital financial platform providing flexible and convenient loan packages, targeting all classes of society.
According to Viettel Money representative, the four main loan services that many users are choosing are: short-term loans, postpaid wallets, flexible fast loans - Cake by VPBank and loan news.
Short-term loans are a suitable solution for urgent financial needs, such as paying living expenses or handling small expenses. Users can borrow 3 - 5 million VND for a period of 30 - 45 days with a preferential interest rate of only 0.16%/day.
Postpaid wallet service for users using Viettel's official telecommunications services to help bring convenience in spending and flexible payment.
Accordingly, users can borrow from 1 to 5 million VND and are exempted from interest for up to 45 days from the date of spending. If they have to pay in installments, they can choose a term of up to 60 months with an interest rate of only 3.75%/month if they do not pay on time.
Meanwhile, MCredit's quick loan service is for larger loans, suitable for needs such as home repairs, small investments or purchasing household appliances. Users can borrow up to 20 million VND for up to 15 months. The interest rate is very preferential, only from 3.1%/month.
The loan news service offers flexible options for users from 18 to 55 years old with suitable loan packages from 5 to 20 million VND. The outstanding policy of this loan package is 3 no: no additional fees, no insurance fees, no need to prove income.
Workers in need of a loan only need to download the Viettel Money application, register online with their citizen identification card (CCCD) to be able to carry out the loan process quickly, without any complicated financial documents.
Benefits for low income earners
After experiencing the service, Ms. Minh Hang (Binh Tan District, Ho Chi Minh City) shared: "I used Viettel Money's quick loan service to renovate my house. The procedure was very quick, just a few steps on the app and I had money in my account. The interest rate is also much lower than borrowing from outside."
Many other users also said that the highlight of the loan packages on Viettel Money is the flexibility in terms of limit, term and interest rate. Borrowers can choose a loan from a few million to a maximum of 70 million VND depending on their needs and ability to pay.
In particular, the attractive interest rate is one of the major advantages that helps Viettel Money become the priority choice of many workers. The preferential interest rates, long repayment terms and simple procedures have created conditions for people, especially low-income groups, to access capital more easily.
In addition, with a modern digital platform, all processes from loan registration, approval to loan management are done online, saving time and effort.
Users only need to have a mobile phone and download the Viettel Money application to enjoy these comprehensive financial services.
According to some experts in the field, loan products are flexibly designed, simplifying procedures while still ensuring transparency, helping many people solve their immediate financial needs.
In particular, Viettel Money does not only stop at providing loan packages but also brings long-term values through supporting reasonable spending and effective personal financial management.
Source: https://tuoitre.vn/ho-tro-nguoi-thu-nhap-thap-nhieu-goi-vay-uu-dai-20241226103343878.htm
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