1. Indonesian Citizen
The first requirement to apply for an unsecured light installment employee loan is that you must be an Indonesian citizen. If you are not an Indonesian citizen, you can’t make a loan at Cekaja.com, okay?
2. Minimum age 21 years old and maximum 55 years old
The second condition that you must fulfill is the age limit, if your age is less than 21 years, you should hold on to your intention to apply for a loan. New loans can be done when you are 21 years old and so on until you are 55 years old. After you are 55 years old, you can no longer apply for a loan.
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3. Fixed income of at least IDR 2.5 million per month
If you want to apply for an unsecured light installment employee loan, you must at least have a fixed income of IDR 2.5 million per month. For the UMR salary in Jakarta, it seems you can definitely apply for a loan, right?
4. Photocopy of ID card, family card and marriage certificate
Photocopies of ID cards and family cards are also things that you must fulfill, but for those of you who are married you are also required to include a marriage certificate.
5. Copy of NPWPW
In addition to a photocopy of your KTP, KK and marriage certificate, you are also required to have a NPWP and a photocopy of it when you apply for a loan.
6. Savings for the last 3 months
For 3 months before you apply for a loan, make sure your savings are safe, because you also need to print a savings account for the last 3 months.
7. Work certificate and salary slip
Because this is a loan for employees, you need to include a work certificate and your salary slip.
8. Credit card billing
If you have a credit card, you are also required to include the credit card bill because this is also an important part that you must fill out. Make sure you pay the bill on time.
9. Copies of SIUD, TDP, financial statements and Company TIN
For companies / entrepreneurs you must also include a copy of SIUD, TDP, financial statements and company NPWP.
10. Copy of practice license
You must also include a copy of this practice permit if by chance your profession is related to a practice permit, for example, you are a doctor, psychologist, lawyer, or other professional.
Finally, you need to include a stamp so that your loan application can be received.
In applying for an unsecured light installment employee loan, you must pay attention to the conditions. In addition, you also need to pay attention to its management so that you are not overwhelmed when you want to pay bills. The thing you should avoid the most is applying for a loan without a good plan.
From the conditions described, there are only a few conditions that you must fulfill if you are currently a private employee. The convenience that CekAja.com offers is of course different from the others, so it’s a shame if you don’t immediately decide to apply for a loan.