As discussed earlier, that there will be some convenience when you apply for an online loan, from banks in Indonesia, including the practicality of the online system . What facilities will you get?
1. Easy Anti-Complicated Requirements
If you apply for a loan directly to the bank, maybe you will be faced with various requirements that are quite difficult. Not to mention if some of your documents are not approved, so you have to go back and forth to the branch office location.
Through P2P lending companies or online loans like Cekaja.com, you only need to prepare the requirements and supporting documents from home, and later couriers will help you to pick up your documents.
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Practical isn’t it? Here are the requirements:
- Minimum age 21 years to 55 years
- Income IDR 2.5 million/month
- Photocopy of ID card, family card and marriage certificate (if already married)
- Photocopy of personal NPWP (Taxpayer Identification Number)/SPT PPh 21
- Print a savings account for the last 3 months
Original employment certificate and salary slip (for employees and professionals)
- Last credit card bill (if you have one)
- A copy of the company’s SIUP, TDP, and NPWP (for companies/entrepreneurs)
- Copy of professional practice license (doctor, lawyer, or other professional)
- Copy of financial statements (for companies/entrepreneurs)
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2. Practical and Flexible
The convenience of applying for online loans from several other banks in Indonesia is practical and flexible. Because through Cekaja.com, you can apply for a loan freely in determining the time.
So you don’t need to depend on the operating hours of the destination bank office. Other advantages that you may get, are as follows:
- Save time because you only need time to open the online loan site only
- Can compare one product with another, as well as learn about it
- Can adjust the product to the financial condition you need. Starting from interest, administration fees, tenor, and others.
3. The application process is classified as fast
Due to working with banks, the average application process until the disbursement is issued is a minimum of 3 to 5 working days, and the maximum is 14 to 21 working days.
4. Long Tenor
If in regular online loans , you can only borrow with a short term or tenor, here, you can choose the repayment period, with an average time of 3 to 5 years.