Unsecured Loan
What Is a Personal Loan?
Credit Unsecured Personal Loan is often referred to (OT) is a bank product, which customers can borrow some funds / money out of the bank without having to provide a certificate of guarantee or collateral like home, reg, SK, etc. Loan products introduced in Indonesia ertama times by Standard Chartered Bank, followed by other foreign banks in Indonesia. Without collateral loans are usually devoted to reproductive age in this case the employees and the self-employed aged 21 s / d 60 years, credit limit granted by banks ranged from 10 s / d 250jt with interest / interest varied ranging from 1.55% to 2, Flat 2% per month.
How to Work KTA?
As explained above, that KTA is of loans without collateral, it does not mean to get the KTA is not necessary requirement at all, but it takes also credit component of the person who filed the KTA itself is especially note the ability to manage credit or finance in general recorded in savings books registered in certain banks. That is to say that the only guarantee of the loan KTA is the ability of a particular bank in analyzing the ability of paying customers who will lend these funds.
How Got KTA?
Decide Bank to be filed KTA
Determine the bank of choice that suits your needs is also an important component in the filed KTA. Because of the convenience in the service offered by the bank in accordance with the wishes will be more points in determining the health of credit payment itself.
Credit cards have become more points
Credit card ownership is the most important in the filing Loan. Because through credit cards, bank KTA facility providers can monitor how a prospective customer payment patterns. if either (no delay and limit the use of controlled) or bad (late payment charges and over limit usage karu) therefore it takes at least a period of rising / effect already 1 year of the credit card.
Prepare the conditions required
If you want to get this loan facility, the customer typically must include some requirements. namely in the form of a photo copy of the credit card and copy of ID card or some additional several other requirements if necessary, such as a photocopy of TIN, paychecks (if an employee) or a photocopy License (if you have a business).
Bank or go online via list
Go to the bank that be your goal to apply for KTA. Fill out the form and include the necessary requirements. When filling out the form, fill in the appropriate facts. Or you can try also to propose KTA online. Currently, many banks are already providing facilities KTA filing via the Internet.
Verification and Surveys
Bank will notify you and verify. Interviews can be conducted in person or over the phone. This verification to check the requirements for filing kelangkapan KTA. Bank will then conduct a survey to your home or office. Therefore we recommend that you enter a phone number into the form must always be active.
Wait for news
Wait for good news from the bank. They will inform you whether your proposed KTA approved or not. If approved, then you can do the disbursement of funds to be borrowed. Normally, after all the above process is completed one or two weeks of work time KTA has headed the process of melting, but to be sure if after that time there has been no news continuation of the bank, it is better to contact the bank and ask for the certainty desired.
Unsecured Loan facility is very flexible and can be used for various purposes such as for additional capital, weddings, home renovation, education expenses, vacation or other purposes that require cash funds. What is important is how to manage the KTA borrowing money in order to repay their loans and earn the trust of the bank if they want to apply for a loan again be seen from the previous payment records KTA good.
What Is a Personal Loan?
Credit Unsecured Personal Loan is often referred to (OT) is a bank product, which customers can borrow some funds / money out of the bank without having to provide a certificate of guarantee or collateral like home, reg, SK, etc. Loan products introduced in Indonesia ertama times by Standard Chartered Bank, followed by other foreign banks in Indonesia. Without collateral loans are usually devoted to reproductive age in this case the employees and the self-employed aged 21 s / d 60 years, credit limit granted by banks ranged from 10 s / d 250jt with interest / interest varied ranging from 1.55% to 2, Flat 2% per month.
How to Work KTA?
As explained above, that KTA is of loans without collateral, it does not mean to get the KTA is not necessary requirement at all, but it takes also credit component of the person who filed the KTA itself is especially note the ability to manage credit or finance in general recorded in savings books registered in certain banks. That is to say that the only guarantee of the loan KTA is the ability of a particular bank in analyzing the ability of paying customers who will lend these funds.
How Got KTA?
Decide Bank to be filed KTA
Determine the bank of choice that suits your needs is also an important component in the filed KTA. Because of the convenience in the service offered by the bank in accordance with the wishes will be more points in determining the health of credit payment itself.
Credit cards have become more points
Credit card ownership is the most important in the filing Loan. Because through credit cards, bank KTA facility providers can monitor how a prospective customer payment patterns. if either (no delay and limit the use of controlled) or bad (late payment charges and over limit usage karu) therefore it takes at least a period of rising / effect already 1 year of the credit card.
Prepare the conditions required
If you want to get this loan facility, the customer typically must include some requirements. namely in the form of a photo copy of the credit card and copy of ID card or some additional several other requirements if necessary, such as a photocopy of TIN, paychecks (if an employee) or a photocopy License (if you have a business).
Bank or go online via list
Go to the bank that be your goal to apply for KTA. Fill out the form and include the necessary requirements. When filling out the form, fill in the appropriate facts. Or you can try also to propose KTA online. Currently, many banks are already providing facilities KTA filing via the Internet.
Verification and Surveys
Bank will notify you and verify. Interviews can be conducted in person or over the phone. This verification to check the requirements for filing kelangkapan KTA. Bank will then conduct a survey to your home or office. Therefore we recommend that you enter a phone number into the form must always be active.
Wait for news
Wait for good news from the bank. They will inform you whether your proposed KTA approved or not. If approved, then you can do the disbursement of funds to be borrowed. Normally, after all the above process is completed one or two weeks of work time KTA has headed the process of melting, but to be sure if after that time there has been no news continuation of the bank, it is better to contact the bank and ask for the certainty desired.
Unsecured Loan facility is very flexible and can be used for various purposes such as for additional capital, weddings, home renovation, education expenses, vacation or other purposes that require cash funds. What is important is how to manage the KTA borrowing money in order to repay their loans and earn the trust of the bank if they want to apply for a loan again be seen from the previous payment records KTA good.
Tidak ada komentar:
Posting Komentar