Few people or business entities want to provide unsecured loans. There are many reasons behind it, especially because they are not sure if the borrower will be able to repay the loan on time or with a nominal amount as agreed. Therefore, not a few of you have difficulty borrowing money, especially if you do not have any items that can be used as collateral. The ways that can be taken in order to obtain a loan without collateral include:
By having a TIN, usually the lender feels confident in you. Borrowing can be done directly in the tax office and later the lender will no longer need to doubt the business and flow of your cash flow. Not only that, the nominal income and description of your ability to pay off the loan can also be seen from the TIN.
Meet all requirements
Fill in the column for KTA submission first and make sure the area is filled in completely. Wherever you borrow money, the borrower will have no difficulty verifying the data that has been filled in so that the cash loan process is resolved faster. Here, TSS Credit also provides a KTA loan without a pay slip. Click here to find out more.
Have a credit card
Today many lenders require the borrower to have a credit card. This will help lenders to see your credit history and timeliness in repayment. Moreover, all banking activities can be tracked through the credit card. However, you should still be careful when using a credit card as a foundation for borrowing money because it could be a meal weapon, sir. So, make sure that there is no credit card arrears beforehand so that the process of borrowing money without collateral can run smoothly.
Meet Income Standards
No party wants to provide a loan without certainty that the money can be returned on time. Therefore, if you want to make a loan, then make sure that your income is enough to pay the loan loan as agreed. The calculated nominal income is the residual income after deducting the cost of living per month. If the remainder makes it possible to pay credit, it still allows your submission to be accepted. Don’t get confused in applying for a loan. Make sure you can pay according to the agreement, both per month and every month. The financing is certainly not without interest so be careful about this.
There are many providers of loan funds without collateral that are spread in the real world and in cyberspace. TSS Credit is one of the online loan providers with a nominal amount of Rp. 4,000,000 with a refund limit of 30 days. The process is fast and not complicated. But again, it is wise to make a loan. Do not let you borrow with an amount that is too large with a fast tenor without sufficient income. Try to be more realistic and careful in managing loan funds.