Online loan loans are indeed tempting, especially when it is in need of quick funds in a practical way. But not to the tantalizing things, make you lazy to compare the loan products Unsecured Loans (KTA). Because so many to compare the amount of installment, interest, fines, and others. Do not let because your thumb is lazy motion, regret will haunt you.
Nowadays you should be more selective in choosing an online loan provider. Because now a lot of moneylenders are literate will ease of technology. It is not an easy thing to do but to trap into the vortex of the loan note of the loan shark. Do not get caught up with the dirty tricks of the moneylenders in trapping you into applying for debt to them.
Be careful not enough if you do not know the signs of loan money lenders online. Wait let alone recognize first loan shark online with the following characteristics:
1. Ignoring the Terms
Many people who are already pressured by debt then ignore the requirement to borrow funds online. It sounds like good news from the sky saying that online loan terms only one, namely ID card.
Wait a minute, do not be happy. Try to think clearly, the requirements offered by the bank can be more than one such as NPWP, skid salary, letter of permanent employee assignment, credit card and credit history (BI checking). Of course the bank has its own reason which is of course very logical, that is for protection or our own sense of security in case of default in the middle of the road.
Well, if anyone offers KTA requirements only with a single ID card, get ready for the risk of bad debts that can raise your interest or debt alias.
2. Flower Feel Low
Ever heard the seduction of seduction swindler class snapper? A thin difference with a loan shark who woo her potential victims with low interest rate of 1% per day. Sometimes this is very interesting if the mind is not clear because of debt problems that poison your mind. But not as interesting as you imagine it, we try to count.
Loan KTA Fund Online:
Mr. Roy borrowed an online fund of Rp30,000,000 for his wife’s operating expenses, 1% interest per day that matured up to 30 days. What is the interest charged by Mr. Roy and the total amount of the loan to be paid at maturity?
Value of loan: Rp3,000,000
Flower per day flats: 1%
Tenor maximum: 30 days (1 month)
One month interest: 30% x Rp3,000,000 = Rp900,000
Total loan + interest: = Rp3,000,000 + Rp900,000 = Rp3.900.000
KTA Loan with DBS Bank
Mrs. Rina has a debt of Rp30,000,000 and plans to borrow KTA at DBS bank with interest 0.99% with final payment period for 2 years. How much interest is charged by Mrs. Rina and the amount of money that must be paid for 2 years?
Value of loan: Rp30,000,000
Flower per month flat: 0.99%
Tenor: 24 months (2 years)
Interest for 2 years: 23,76% x Rp30,000,000 = Rp7,128,000
Total loan + interest = Rp37.128.000
How have you explained the difference? Sure the KTA product from the bank imposes an administrative fee, but it is in tune with the interest given. Try you compare, online loaners who charge 30% per month while the bank only 23.76% for two years.
3. Not Open Moreover Transparent
The loan shark was very friendly at the beginning of the meeting with the potential victim. He gives a beautiful smile a package with 1000 seduction promises of sweet “low interest, bu ..” or “direct loan liquid, sir ..” and others to attract potential victims into the logbook of the loan shark.
But after getting the victim, the loan shark turns into a mysterious figure and becomes a frequent terrorist as you will eventually pay the debt installment to him. He is not open about the count of all the funds he has received and is not transparent to the data of the account of the debt you are requesting.
4. Can Disappear As you please
It’s terrible to get in touch with someone who suddenly can disappear like a ghost. His name is also a loan shark that is not clearly operational in the eyes of the law and state law. He easily disappears and comes suddenly when his victim is hit by trouble in paying the installments.
But calmly, regrets will not come if noticed that online loan funds are registered or not in the Financial Services Authority (OJK) agency. This is very important for you to know, because OJK under the auspices of the Ministry of Finance to be our field supervisor.