Humans have limitless desire. The desire that sometimes becomes a wish or dream that needs to be realized. However, in some occasions, the limited fund, insufficient saving, limited time, and other conditions might become hurdles.
The solution that most of us need is the additional fund. Keep in mind that while looking for a loan, we must be careful, especially with the illegal online loans. It is better for us to observe and keep in mind the various risks before making a decision.
Taking a non collateral loan from a bank is one of the solutions that you can consider. In addition to the easy requirements and fast disbursement process, of course, non collateral loans from banks are also legal because they are supervised by the Financial Services Authority . For those of you who have never applied for a non collateral loan at a bank, here are some tips and tricks that can expedite your non collateral loan application.
Non Collateral Loan
You can apply for a money loan without collateral. You don't need to deposit securities or certain items as collateral. This non collateral loan offer is known as a credit that can be submitted by anyone and with various purposes.
Pay Attention to The Terms of Submitting Non Collateral Loan and Its Interest
Important points that must be considered before applying for a non collateral loan are the loan terms and interest. Non collateral loans are known as credit applications with easy requirements and a fast process. PermataKTA itself only requires the following conditions:
- Indonesian citizen and has an e-KTP and NPWP (if the application is above IDR 50 million)
- Minimum age of 21 years old and maximum of 65 years old at the time of credit repayment
- Have a minimum fixed income of IDR 3 million per month
- Domiciled in an area that is covered in the PermataKTA sales area
You can apply for a non collateral loan of up to IDR 300 million. The interest offered is classified as low and competitive, starting from 0.88% per month.
Perform a Non Collateral Loan Installment Simulation
After knowing the loan interest, it's a good idea to start making a loan installment simulation. The amount of installments that should be paid will depend on the term of the loan. This loan installment simulation makes it easier for the customer to find out the amount of installments that should be paid. That way, the customer can measure their ability to pay and pay off the loan. The amount of installments that should be paid is usually unchanged or fixed installments. For PermataKTA, you can use the non collateral loan installment simulation feature here.
Easy Application and Payment Process
Now, PermataKTA applications can be made online. You don't need to go to the bank to apply for PermataKTA. You can apply for PermataKTA by downloading the PermataMobile X mobile banking application. Not only for accessing requirements and information, it can also greatly facilitate the submission process.
The easy process of applying for a non collateral loan goes hand in hand with the payment of the installments. The payment process can also be done without going to the bank. With the auto debit payment feature, installment payments will be processed automatically via a bank account.
Use Non Collateral Loans Wisely
After receiving information that the non collateral loan application that you submitted has been approved, don't forget to use the funds as wisely as possible. Also make sure not to forget to pay installments and pay them off on time. Or else, you will be charged with late fees.
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