You want a loan but are not aware of the terms of borrowing money in the Bank? Check out some info about the loan terms that are here. Although various banks have different requirements for prospective borrowers. But everything is the same because usually, the various banks have standardized borrowing requirements.
Terms that must be fulfilled so that your loan application can be accepted by Bank. Among others are:
- Complement your identity.
By submitting a copy of identity card in the form of Identity Card. For those of you who are married, need to include both ID cards. That is husband and wife so the Bank knows that this loan has been known by two parties. If you do not have a status, you just include a Citizen Identity Card only. Additionally, the address listed in the ID must correspond to the current residence address. If the address is different, then you must include a residence certificate from your neighborhood. For more information, please visit loans for bad credit
- Attach a passbook
With the savings book mutation during the last 3 months. Then the ability of financially can be seen clearly. With the balance embedded in a savings account, it indicates you can or not replace the loan that has been given by the Bank.
- Copy of pay slip
This is the most considered by the Bank to prospective borrowers. Because when an income in the can from a government and private agencies known nominal. Then the Bank will soon launch a decision. Financial ability is really known from the income of prospective borrowers. If a prospective borrower wants to borrow a fund with a large nominal while the salary income is mediocre. Then, of course, the ability to pay the loan is difficult. And certainly, the Bank will not approve the loan application submitted by prospective borrowers.
- Net from credit
The loan application will certainly be accepted by the Bank as a lender. But it’s different if you still have credit or loans that have not been completed. Unresolved credit issues, will not open the opportunity for you to borrow funds to the Bank. Because with things like this, it means that there is a loan business that you have not fulfilled. And the Bank will be afraid to lend you money.