The KTA recommendation without the simple terms of a credit card is a prima donna for all, especially for those who need additional capital. During this time, when applying for funds from the bank, it is because a guarantee is required. This is certainly a bit complicated, but another condition to make it easier is unsecured credit from the credit card holder.
It’s just hard to apply, so it’s hard for most people to get it, and in fact, rejection occurs as soon as the file has already been entered. The application requirements are actually simple: payslip, NPWP, monthly payroll, and passbook. However, the minimum face value must be met. With credit cards, the loan cap is very large.
In fact, some have already broken through the hundreds of millions of marks. With the development of the world of technology, this loan is also increasing. The presence of financial technology makes everything easier. By applying for the KTA recommendation program without a credit card, everything is easy. This process also doesn’t take long.
However, care must be taken. Because not all FinTech behaves well. Some people jump in as if the news is spreading. When applying, please check the various requirements first. For your safety, make sure to look at the entire list through OJK, a supervisory body that provides financial information at all times.
In 2021, the development of FinTech will be even greater. Because of the peace of the community and socio-economic conditions caused by the pandemic. To help you be fooled and safe in trading, here are some reliable fintech recommendations that you can use as options for different urgent needs.
KTA recommendations without credit card Simple conditions Bank Permata
The first bank can be used as the first choice when applying for a loan. In fact, the figures set are very diverse, from IDR 2 million to IDR 10 million. The repayment period is 12 months. The payment process is also faster, and funds are sent directly to your account approximately 24 hours after the requirements are approved.
An interest rate of 2.99% is applied to each loan. The installment figures remain unchanged. The minimum amount to make installments is 6 months. Before filing the application, a table is usually provided. So, you need to learn it. In fact some opportunities for Permata Bank also offer attractive promotions.
KTA’s recommendation without the simple terms of a credit card provides a repayment period of up to three years. In case of late payment, a fine of 5% of the invoice will be charged and the minimum amount is IDR 150,000. To apply for it, you need to meet the requirements glass.
Receive a monthly salary of at least IDR 3 million. Be between the ages of 21 and 50 and be a full-time employee of the company for at least two years. Apply for some documents, such as KTP, a copy of KK, a marriage certificate, and pay stubs from the past three months.
In addition, the current account balance, statutes on the appointment of full-time employees, or the last original diploma, and the NPWP. In fact, you don’t need to have a savings account in Permata. It will only cost a transfer fee of IDR 150,000. Therefore, it is a good idea to do it when submitting all the application forms for opening an account.
Tunaiku, Program dari Bank Amar
The KTA’s recommendation without credit card is Tunaiku, the Easy Terms that have been guaranteed by OJK since 2014. Therefore, if you need additional capital, you do not have to hesitate to apply. The service is supported 24 hours a day, to get funding. You need to download the application in the Google Play Store.
Next, prepare your ID and fill out some notification forms to Tounaiku. This form also determines whether the application will be accepted or vice versa. After the contract is completed, you can pay the money immediately. Interestingly, if you pay the installment faster, you won’t be charged interest.
The KTA recommendation without a credit card is a simple requirement with a budget ranging from IDR 2 million to IDR 20 million. Almost everyone uses it and gets positive testimonials. When you want to rent, it’s either a website or an application. It already seems like a calculation point. So, just choose.
How much will you be renting and paying in installments? Soon you will see the numbers, it is a monthly installment. However, please note KTP’s identity when submitting. The system may damage it and make it unreadable. In this way, the loan will be automatically and immediately rejected.
In addition to providing additional funding. Tunaiku, it also opens up opportunities to make investments. Simulations are already available. So, you will understand how much development is guaranteed to be safe with a choice of tenors in the range of 1 to 3 months, and you can find movement and growth.
CIMB Niaga Extra Fund Program
The next brief KTA recommendation without a credit card is from CIMB Niaga, which holds an additional funding program. The best solution for those who want additional money. Access is very easy and straightforward. There is no need to come to the office from a call center service or website.
Interestingly, funds can be applied for from 24 hours to 7 days. As a first step in whether this application will be approved or rejected, a form is provided for you to fill out. An interest rate of 1.79% is applied to each loan. This figure is indeed very large and can be applied up to IDR 300 million.
Not only CIMB Niaga users, but also KTA recommendations without credit cards can be submitted by customers of other banks. The requirement is that it is actually a bit complicated. If you are applying, try to be between the ages of 21 and 55. The same is true for Indonesian citizens with proof of identification.
If your application exceeds IDR 50 million, don’t forget to also prepare a copy of your pay stub and NPWP. Other customers have an additional credit card. But for workers and customers, it’s not necessary. Late payment will result in a fine of Rp150,000.
Online Loans d Ali Money Friends
The last simple requirement of a KTA without a credit card is a friend’s money. There are already calculators and calculations available when applying for a certain amount of money. This value reaches 3 million RP in about 70 days of tenor. This FinTech is certainly trusted, but nearly 80% of them are reborrowing.
The application method is very simple, just try downloading it in the application through Mobile Money Friend. In addition, all selfies using ID cards are processed for about 5 minutes. After the contract is agreed, the money will be paid directly within 24 hours. Friend’s money has already won all kinds of prizes.
The applicant must have received permission and supervision from the Investment Corporation. So, it is guaranteed to be safe and deceive. As for the terminology, it’s very easy and light. The age of the borrower ranges from 21 to 60 years. Regional area-based loans can be maximized for Jabodetabek. It’s just that there is a maximum limit to solo and its surroundings.
The minimum income is IDR 2 million. Prepare several personal documents, such as identification documents, pay stubs, family cards, personal photos, etc. The payment period in a short time is 10 days ~ 30 days or longer on the interest calculation. It is very transparent in nature and has no element of deception at all.
The addition of capital is certainly important for many circles. Whether for educational, business, or other purposes. However, you must first understand the different requirements. If it is really worrying, it is better not to. The KTA recommendation of no credit card is a simple condition that is actually needed by various groups, especially during the pandemic.