Applying for a loan at a bank or other financial institution like Good Finance is often done by lenders, with the aim of expanding their business to profitability.
Not just businessmen, the general public also uses bank loans or Good Finance loans for a number of other interests, such as buying a home, buying a car or perhaps meeting consumer needs.
Before applying for a loan
There are a number of requirements along with the necessary paperwork you need to prepare, but many do not lend without following the requirements set by the financial institution, and the result is that your loan will be rejected immediately during the document verification process.
Talking about completing the required requirements like a family card, government ID, and even a copy of your savings account, but this is certainly not enough to convince your bank to accept your credit application immediately.
Of course, this can be frustrating for you, because credit loans should be accepted instead of bankruptcy, so let’s talk about the things you need to understand before applying for a loan to be approved by the bank, including:
Good Credit Note
This is usually requested by your bank for the purpose of looking at your credit card history. Let’s say you’ve applied for a motor vehicle or car loan before, so your bank will be able to see the history of the installment you made through the credit record.
Having a credit record can also be a consideration of your next loan, so it is best not to experience late payments as it will affect your future loan.
If you wish to apply for a credit loan at any financial institution, you must be a registered citizen of Indonesia with a valid identity. This is very important and is one of the compulsory requirements that must be met.
Minimum Age Limit Fulfilled
Every financial institution like bank or Good Finance actually sets the age limit for its potential lender. Usually the age set should be 21 to 55 years old for private or state employees who are still in productive age.
As well as ages 21 to 60 for entrepreneurs and usually have the relaxation of 18-year-olds getting married and having a job. However, this is dependent on their respective banks.
Credibility or Customer Character
Once all the requirements and the completeness of the documents have been filled out by the customer, the bank will then analyze some of the issues regarding credit history on the OVERVIEW .
Then conduct a direct survey of the home of the debtor to determine the location of the business and the economic condition of the creditor. The character of the debtor can also be seen from the bank’s interview, whether or not the creditor is credible in repaying his loan application.
The Bank’s specific application requirements vary, depending on their respective bank terms, however, almost all applications are:
- A photocopy of your spouse’s ID card.
- A photocopy of your family card.
- A copy of the marriage certificate.
- Photocopies of Electric Accounts.
- Photocopying Savings.
- Copy of NPWP, SIUP TDP and other permits also need to be prepared for those who are lending for business development.
Bank credit application process is almost exactly the same as the process of credit loans online, but the difference lies in the ease obtained, when a customer is required to come directly to the office of the Bank to make loans.
However, when you make a loan online it is much easier to do so as the customer does not have to come to the Bank’s office, just having all the requirements at home with laptop or computer media can be done easily, some of the requirements are usually required almost similar:
- Visit the online loan website.
- Sign up by filling out the form bio completely.
- Select the loan amount along with the tenor of repayment.
- Once your application has been approved by the lender, you will then be contacted by phone or email regarding the completion of the document to be submitted.
- You will then be sent an original letter of agreement by post to sign it, and the loan will be able to liquidate your account immediately.
- Also, be sure to set up a government-issued ID, ID, ID, and payroll slip through the website.
Plan Your Loan Application carefully
The above-mentioned steps can be a solution for you to apply for a loan to the bank so that it will not be rejected again.
You also need to make sure that the loan type and the tenor of the loan are in order for the loan to work smoothly without any further inconvenience. Good luck!