Can I Get Credits With Proper Interest?

 

What every citizen actually wants in terms of credit is to get a loan with the appropriate interest and repay the money he received with the lowest interest. As a hyperactive credit consultancy firm, we investigate which bank you can get a loan with at what percentage and reach a conclusion with a single application.

Is It Possible To Get Loans At The Right Interest?

Is It Possible To Get Loans At The Right Interest?

What are the main things that we should be careful about while taking credit, it is necessary to look at them;

  • The amount of the loan we will take
  • From which bank we will get credit
  • How many months we will get our loan
  • How much money remains from income when paying loan installments.

As a credit consultancy firm, it prepares the whole process for you by calculating the interest rates that the banks give you specifically, it remains only to use the loan from the bank.

The question of whether I can get a loan with the appropriate interest rate is an issue that every citizen wants to take a loan.

Banks reduce their loan rates and run certain campaigns in certain periods. what kind of campaigns;

  • Holiday loan
  • Health loan
  • Education loan
  • Moving credit
  • Under many campaign names, such as e-credit, banks can lend with appropriate interest.

As the maturity ratio increases, the interest rate generally decreases.

As the maturity ratio increases, the interest rate generally decreases.

Because banks do not want to lose you and want you to be your customer in the long run. Therefore, the interest rate decreases as the maturity increases in general.

However, when taking our loan and determining interest installments, we should determine our other needs and determine the amount and installment option we need in the most appropriate rate. Let’s not forget that banks are a commercial institution and they will gladly give us more money than we need.

While taking a loan, we should consider the attractive offers offered by the banks. However, it should not be forgotten that we should know that when we apply to each bank, we see this in other banks. Because every application that results negatively is registered in our registry and all banks can view it. We handle this job with a single application and ensure you get the credit you need in the fastest way.

Credit Cards Can Make You “Rich” with These 5 Bonuses

There is a reason credit cards are often touted as magic cards. Although often considered “dangerous”, this card has a number of features and facilities that make financial conditions even healthier. Of course with the right use and not used as a backup of money, aka debt cards. If this is just dangerous to the financial condition.

Credit cards are ideally used as a means of payment, so transactions are more practical and convenient. Especially for purchasing goods at high prices, so we no longer need to carry a lot of cash. You can also view transaction records and track expenses easily. As a result, financial budget management is easier. For those of you who like to travel abroad, this card can be used to transact worldwide. So, no need to bother exchanging money with the currency of the destination country.

But besides the series of benefits above, do you know that this magic card also has additional benefits that can make you rich? At the very least, the best credit card should be able to provide these five “bonuses”.

 

Free airplane ticket

Free airplane ticket

For those of you who like to travel, both at home and abroad for business or pleasure, a travel credit card can help budget travel to be more efficient.

You can get various rewards in the form of promos that can be used for various traveling activities. Ranging from facilities at the airport, hotel discount promos, to free airplane tickets.

These attractive offers are usually given in the form of reward points. You will get points for every transaction made using the card. The more transactions with cards, the more points can be exchanged with airmiles on a number of airlines. Later, these airmiles points can be exchanged for airline tickets or other travel promos.

 

Cashback

Cashback

At present Digibank offers cashback of up to 20 percent. There is also Lite Lenders Platinum which provides cashback of up to 25 percent or a maximum of $ 1.2 million a year, as well as a row of cashback promos from various other cards.

Pretty tempting, right? You can get a variety of cashback by transacting through this magic card. Cashback is generally in the form of bill deductions in the following month.

To maximize the benefits, don’t just choose the card with the highest cashback offer, but also adjust to your lifestyle and needs.

For example, you who are married can choose a card that offers high cashback for transactions in supermarkets, restaurants and online transactions.

 

Discounts and shopping vouchers

Discounts and shopping vouchers

Who can resist the temptation of discounts and shopping vouchers? There are many offers that make spending cut from credit card issuers. Ranging from discounts to shopping vouchers hundreds of thousands of rupiah.

Using this discount offer can certainly make savings. Just as long as you don’t buy goods or use services you don’t need.

 

0% installments

Want to buy electronic goods or gadgets worth tens of millions, but have insufficient money?

Borrowing money from bad loans or loan sharks can make you get high interest rates and even exceed the price of goods purchased. Leave this option far.

Now, with a credit card, you can take advantage of the 0% installment program. That way, you can divide large payments into installments over a period of time without being strangled with interest.

Not bad, so lighten your expenses. Even so, you still must be careful of administrative costs or taxes that may be borne.

 

Prize submission

credit loans

Even since you first submitted, you have had the opportunity to get a variety of prizes, you know. Prizes can also be in the form of cash loans, shopping vouchers, to free tickets. For example the main Lite Lenders Visa Signature credit card that provides round-trip tickets or cashback worth $ 1.5 million.

Despite having a series of added values, unfortunately not a few are still often mistaken for the use of credit cards. As a result, instead of being profitable, debts have even piled up to the point of going bankrupt.

To avoid this, plan and limit transactions carried out using cards. Also make sure to always pay the full bill so that you do not incur additional fees or interest.

So, in order not to feel disadvantaged, always check the bill to make sure there are no stealth transactions or misuse of cards by others or internal banks. When you find the irregularity of the bill, immediately file a complaint with the issuing bank.

Tips for Secure Transaction with a Credit Card

In connection with this fraud case, there are several modes of credit card fraud that often occur. But, fraud by skimming is the number one fraud and most often occurs. Skimming occurs because there are unscrupulous elements when you use a credit card when shopping.

Where he will swipe your credit card to the payment machine that is equipped with a skimmer. This will allow the offender to get all personal information about your credit card so that it can be used at any time.

From this fact, it is clearly necessary caution in maintaining the security of our credit cards. To help you, here are 8 important steps we take to maintain credit card security:

Treat Your Card Like an Important Item

Treat Your Card Like an Important Item

Are you among those who are careless in holding an item? You should be a person who cannot hold a credit card for long. Why? Imagine if you lost your wallet somewhere due to carelessly putting it? Then there are irresponsible people who take it and make your credit card (which does not have a pin) as his property. How much loss will you receive? To avoid this bad possibility, start to think about and make your credit card like cash.

Do not leave credit cards lying around or in the hands of strangers/strangers. This behavior makes life a little more annoying, but it will be even more annoying if you are bothered by the loss of a credit card and all data including the limit value.

Perform Online Transactions from Trusted Sites

Shopping online has become a normal thing to do in the present. When doing so, we often enter credit card information to make payments without thinking whether your data security is guaranteed or not. Imagine if it turns out the security of the online site where you shop was very weak and was used by unscrupulous elements to steal transaction data. Then, most likely you will be the victim.

To keep the case from happening, you have to make certain of these things. First, check the position of the site on Google. Sites that have a good reputation will certainly appear at the top of the search engines.

Second, make sure you check the security signs of any site, where you will shop. Sites with good security usually start with ‘https’, not the standard ‘HTTP’. With the sign ‘https’, it means the site uses an encryption code when transmitting data online.

Be Careful When You Travel / Vacation

Be Careful When You Travel / Vacation

Beware of hackers who can open your personal information from anywhere in the world. In this case, you must be extra careful when traveling abroad. Use your credit card only at Bank ATMs and trusted retailers.

Also, before leaving, make sure the bank knows where you are going. So they can tell you if there is a suspicious purchase. Try to always update your antivirus protection if you carry a laptop on the go.

Avoid using free wifi in public places

To be able to surf in cyberspace, sometimes people are willing to do anything, including using free WiFi anywhere without knowing the risks that may arise. You need to know, free WiFi often does not get good network protection, so anyone can use it to commit cybercrimes, including credit card data theft.

What’s the solution? In this case, we strongly advise you not to shop online using a free WiFi network. Because hackers often install malware on public computers specifically targeting online buyers. Plus a computer cache can store your personal information, making it easier for the perpetrators to steal it.

Never Store Credit Card Numbers on Personal Devices

bank

In this case, do not store credit card numbers and PINs on personal laptops. Indeed, sometimes people like to forget to remember important things like PIN numbers, but that does not mean you can be haphazard in finding solutions, namely by writing them in a personal note application on a laptop.

Imagine if someone else saw the number and he has bad intentions to steal the data. Of course, you also lose right? Remember, anyone can commit a crime if there is an opportunity.

Beware of Fake Emails

Ever received a strange e-mail from someone claiming to have a problem with your order, and you need to re-submit your credit card information or enter the last 4 digits of your Social Security number? Leave it alone, and immediately delete the email. Never tell that number to anyone, including the bank though, because it is very confidential. If you receive an email like that, and you are in doubt, call the customer service number from the bank or shop where you shop to talk directly about the problem mentioned in the email.

Keep Your Credit Card Data Well

Some of the motives for credit card data theft that occur at this time may still be a lot that you do not know about. Therefore, extra caution is needed from you as a credit card holder in maintaining card information so it does not fall into the wrong hands.

Do not let you become another victim of this cybercrime. However, if it turns out you have become a victim, immediately report to the bank and the police so that this problem can be resolved immediately.

Your Credit Card was declined? Try Checking Your Credit Status!

As a means of payment, credit cards have many uses, ranging from paying for groceries at merchants, paying for electricity, water, depositing accounts at brokers, to paying taxis.

So no wonder, credit cards are excellent among modern society. In addition to being safer because there is no need to carry large amounts of cash, credit cards are also considered more practical and more efficient, as well as facilitating financial records.

 

Apply for credit cards to the bank

Apply for credit cards to the bank

So, do not be surprised if many are competing to apply for credit cards to the bank. But, did the bank then grant credit card requests for every prospective customer who came?

Of course it’s not that easy, it is not uncommon for these excited prospective customers to have to bite their fingers because their credit card application was declined by the bank. Not only was it rejected by 1 issuing bank, but it could be 2, 3 to 4 issuing banks. Then why did this happen?

Do not be disappointed, there are many components that are considered by the bank in determining whether a person is eligible for credit card facilities or not. Well, one of the important ones is credit status or the smoothness index. Credit smoothness index is often known as Cream Bank Checking.

Cream Bank checking is a report issued by Cream Bank and contains a customer’s credit / loan history to a bank or non-bank financial institution. This credit history information can be accessed by all banks and non-bank financial institutions registered as members of the SID (Debtor Information System) throughout Indonesia.

 

Credit collectability classification

Credit collectability classification

In general, your credit history will be classified based on the smooth return of the loan and referred to as credit collectability. The collectability classification looks like below:

  1. Current credit

This means that your credit history is considered satisfactory, you are a client who is obedient and obedient to all obligations to pay installments of principal and interest.

  1. Special attention credit (DPK)

Namely loans for 1-2 months the mutation is not smooth, the debtor starts in arrears.

  1. Non-current credit

Your credit is considered not smooth if within 3-6 months the mutation is not smooth, the payment of interest or principal debt is not good. The bank approaches but the results are still not good.

  1. Doubtful credit

Credit is in a non-current stage and the debtor cannot complete the credit even though it is due.

  1. Bad credit

Efforts to settle or reactivate non-current loans but these efforts have not been successful, these loans are classified as bad loans.

 

It is also terrible if the credit is bad

It is also terrible if the credit is bad

So, for my friend choosekartu.com, both those who already have a credit card and those who do not have a credit card, pay close attention to the matter of Cream Bank checking, not until the credit history actually makes you difficult in the future.

But, you don’t need to be afraid of credit cards, because there are still many benefits to be had if you have a credit card. C’mon, the spirit of applying is chosen card ^^.

General information about loans – loans and their importance for private individuals, entrepreneurs, banks and the economy

Loans and their significance for private individuals

Loans and their significance for private individuals

The word “credit” is derived from the Latin creditum – the trust entrusted to good faith. Of the various meanings that the word carries, the most socially relevant is classic money and commodity credit . The lender leaves the borrower a certain amount or goods with confidence that the borrower will repay the value according to a contractual agreement. The lender’s profit usually consists of a certain interest rate, which is due in addition to the installments to be paid.

National and private sector loans

National and private sector loans

Loans are a driving force in our economy. The granting of loans by banks is understood as a process of creating money in the existing banking system. There are various reasons to take out a loan. Private individuals usually endeavor to obtain a loan if they want to fulfill certain wishes and the financial means are not available. In the classic case, it is a purchase and installment loan that is paid off in monthly installments. This is usually not earmarked, unlike a car loan or a building society contract. The type of property to be financed is specified here.

For lower sums, such as to finance some occassion or a vacation, there are small loans. If you want to have a certain amount quickly and easily, you now often choose an instant loan that can be applied for online from a direct bank.

Credit check

The process of lending almost always includes a credit check, in which the lender is convinced that the applicant is able to repay the loan. Too little income or a negative entry at Credit Bureau can put obstacles in the way of the borrower.

In the meantime, some loans without Credit Bureau are also possible, but when they are granted, the credit rating is also checked to protect both sides. In the case of existing debts with very high interest rates, rescheduling can make sense.

Financing for companies

Financing for companies

Banks also offer certain options for lending for start-ups and business customers with existing companies. These often apply even stricter requirements because the risk of financial bottlenecks and even bankruptcy can be relatively high. For larger companies, the transition to other forms of financing is fluid if they have access to the capital market.

For business customers, a distinction is made between investment loans, which correspond to a classic installment loan, working capital loans and goods financing loans, which each function similarly to overdraft facilities, as well as discount loans for the purchase of bills of exchange.

As an alternative to business loans, there are other financing strategies such as the leasing of equipment, machinery or vehicles or strategies such as factoring, mezzanine capital and private equity.

Calculate and compare credit

Calculate and compare credit

In cooperation with our partner finance check, we offer you the opportunity to first calculate your monthly rate based on your desired loan amount and term. You can then submit a serious loan request and also apply for the loan directly.