Having a four-wheeled vehicle (car) is now mandatory for people who have a salary above 5 million / month. This makes many people flocked to want to apply for credit. Besides the cheap initial dp price makes people tempted for people who want to have four-wheeled vehicles with cheap dp. In addition to the rampant online taxi business, people are not afraid to lose power if at any time stop working or other.
But behind it all, you must have a credit score with a current score or 1. If your credit score has a low digital credibility then the leasing party will automatically refuse your car loan. The following are tips for applying for car loans approved:
Credit applicants have never been blacklisted
The important thing that can determine whether your credit application is accepted or not is that the credit applicant has never been blacklisted by the Indonesian Financial Services Association (APPI) and Bank Indonesia (BI). If your name is blacklisted because of a problem with your previous loan application, chances are that you will have difficulty applying for credit again.
So if you often make purchases with the credit system, always make sure you make installments smoothly to avoid blacklists and other times you can still get credit approval quickly and smoothly.
The credit application file must be complete
Completeness of administration is an important requirement in applying for credit, including car loans. So if you want your car loan to be approved immediately, immediately prepare a file of complete requirements and in accordance with the current conditions such as ID cards, family cards, paychecks to electricity, telephone, tax, to savings accounts that you have.
Look for as many car price references as possible
The thing you need to do before applying for a car loan is to find as many car reference prices as possible. You can find references and compare prices of your dream car by asking several different car dealers. This will help you find a dealer that sells the car of your choice at the best price. In applying for credit will also be more effective if you already know the price range of your targeted car beforehand.
Look for car loan deals with little interest
There are many leasing parties who have different car loan interest rates policies. The amount of the loan interest determines the amount of installments you must pay each month. You can choose a leasing party that offers a smaller interest rate so that you won’t have difficulty in the monthly installment payment process. So the leasing party also easily gives you car loan approval.
Saving for a down payment
In order for a car loan to be approved for leasing, you need to also prepare an adequate budget for the down payment according to the car you choose. when you already know the target car price range, the next thing you need to do is save up to prepare an advance with an appropriate amount. Advances usually range from 20% – 30%. Preparedness for your down payment will speed up your loan approval process by the leasing party.
The applicant has a clear residence
Completeness of administrative data and clarity regarding the applicant’s residential address can be a consideration for leasing to immediately approve your car loan application. as a credit applicant, you are expected to cooperate with the leasing party when providing answers to the survey process by providing honest and truthful answers.
Hopefully these tips can help so that car loans are approved leasing quickly and you can have the vehicle of your dreams by applying for credit that is easy and certainly safe so that no losses occur in the future. because in applying for credit, credit value must be smaller than income. Every finance company has a certain percentage ceiling. Therefore, when applying for credit, ask the finance company