Only with an ID card, you can get loan funds starting from Rp. 100 thousand to Rp. 10 million or more. However, the proliferation of loan companies makes you have to be careful when looking for a place to borrow money. To be safe, here are tips and how to choose a borrowing money application:
1. Choose an online loan registered with the OJK.
Apply for a loan only at the OJK online loan company. By applying for an official loan, you will be protected from the negative effects of illegal loans. Loans registered with the OJK are of course required to follow regulations and regulations that can protect consumers. To find out the list of official online loans, you can check the OJK website or check the AFPI website which houses all P2P companies registered with OJK.
2. Have Consumer Service
When applying for a loan, you should choose a company that has clear and easy to contact customer service, such as a phone number, email and office address.
This goal is so that if there is a problem later you can easily contact the loan and get a quick response. While illegal lending usually does not have this customer service. Even his identity wanted to be unknown and covered up.
3. Secured Websites and Applications
Online loans supervised by OJK are required to take security measures on websites and databases to protect consumer data, including passing the information technology ISO audit and certification. This is to ensure that the security of consumer data is the company's top priority.
You can see the security of the site from the padlock logo on the top left which can be said to be secure and the site starts with https://. This shows that the online loan application is safe and reliable.
4. Borrow according to ability
When applying for an online loan, apply for a loan according to your ability. How about on time the loan must be repaid. Borrowing according to your ability will allow you to pay on time and not have to pay late fees. In addition, borrowing according to your ability will prevent you from being forced to take the action of 'digging a hole and closing the hole' by taking another loan to cover an old loan.
5. Understand the Loan Contract
Before applying for a loan, carefully read the contract agreement offered and ask questions that are not clear. The contract is the legal basis for lending and borrowing so that all rights and obligations of the parties involved are regulated in the contract.
The loan contracts vary, ranging from simple ones, namely short-term loans, to those that are quite complex related to business, such as guarantees or collateral.
