Every day, everyone's needs are increasing. The amount of funds needed is even greater. In meeting the needs that require large amounts of funds, the costs incurred are not small. Applying for a car BPKB guarantee loan can be an alternative taken to meet various financial needs.
This BPKB guarantee loan is widely chosen because of the benefits that can be obtained by the borrower. In addition to the easy and fast process, the funds obtained are also large enough to meet the needs that require large amounts. For example educational needs, business expansion, and much more.
Enough to guarantee your vehicle, you can also get a disbursement of funds up to 80% of the value of the asset you guarantee. In addition, what is guaranteed is only the BPKB. So, you can still use the vehicle for your daily needs.
If you intend to apply for a loan for the first time, there are various conditions for a car BPKB guarantee loan that you must understand. What are they?
Required Documents
In applying for a car BPKB guarantee loan, you must prepare complete documents. This document is needed as a requirement as well as for financial institutions to assess your credibility in applying for a loan. Generally, the required documents are:
• KTP and KK
• NPWP / Tax Return
• Last 3 Months Account
• Employee Salary Slip / Income Certificate
• Guarantee Documents (STNK, Tax, BPKB, Invoice)
• Domicile Data (Electricity PEL ID / Last Electricity Account / Last PBB / SHM / AJB / PK)
In addition, several financial institutions also stipulate the age, profession, and minimum income requirements for prospective customers.
For example, at BFI Finance, prospective borrowers must be aged 21-60 years. As well as being an employee or self-employed for at least one year with a fixed income. Make sure that you as a potential customer have met the applicable requirements.
Guaranteed Vehicle Terms
In addition to the completeness of the documents, the condition of the vehicle you guarantee will also affect the status of your loan application. Generally, the guaranteed vehicle must be a maximum of 10 years old and in prime condition. Make sure that the condition of your vehicle is still in good condition, even when the vehicle is surveyed.
Some financial institutions set conditions for car brands that can be used as collateral. Generally, car brands that can be used as collateral are general car brands, such as cars from Japan or Europe. First, check whether your vehicle meets the requirements to be used as collateral.
Car BPKB Guarantee Loan Place
Finally, make sure to choose a safe and reliable place for a car BPKB guarantee loan. Such as BFI Finance, which has been registered and supervised by OJK. You can get a disbursement of up to 80% of the value of the car with a maximum tenor of 36 months, you know! Come on, apply for your car BPKB guarantee loan now through BFI Finance!