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One of the best banks used by Indonesians is Bank Mandiri. Good credibility gives customers more trust to progress and develop rapidly.
In addition to being a safe place to store wealth in various ways, Mandiri is also credited. Surprisingly, loans sent to Bank Mandiri can be made without collateral or collateral.
Like other bank requirements, Mandiri also requires those who wish to borrow to open a Mandiri account first and then simply sign up for the loan process. Don’t worry as the process is pretty simple.
How do you get free unsecured credit and tips to make the application process go smoothly? Read the following article to the end!
Get to know independent collateral loans
Before discussing how to get Mandiri credit without collateral. It would be nice to know what Mandiri KTA is first. KTA Mandiri is a credit or loan that is given to a person to borrow a certain amount of money without any collateral.
This credit is given for household or family purposes only. So it’s not for business purposes. The installments you have to pay are fixed and light, so KTA Mandiri is an alternative when you need fast funding.
Don’t worry because the loan age or term can be adjusted according to your needs and abilities. Communication between the parties regarding the term of this loan can be made in order to reach an agreement.
interest rate
The interest rates given when you wish to apply for Mandiri KTA are as follows:
- Interest rate 0.59% for 24 months
- Interest rate 0.60% for 36 months
- Interest rate 0.62% for 48 months
- 0.72% interest rate for 72 months
- 0.72% interest rate for 84 months
- 0.72% interest rate for 96 months
- Interest rate 0.72% for 108 months
- 0.72% interest rate for 120 months
- Interest rate 0.81% for a period of 180 months
One of the advantages of KTA Mandiri is: interest rate Low with adjustable loan tenure So you don’t have to worry about getting entangled in a huge amount of benefits. for you to suffer a lot of losses
credit simulation
You can find the Mandiri KTA loan simulation on the Mandiri official website that offers it. KSM Calculator. on this website You will need to write the customer type. net salary and other installments when calculated A simulation of the installments you have to pay with the loan tenure and credit limit will be displayed.
For example, you selected the payroll type as the Customer type. Then enter income IDR 4,000,000 without installments. Then what appears is a series of budget simulations starting with a 12-month loan tenure. For example, for a 12-month tenor, your maximum loan is IDR 12,887,459.63. with installment payment 1200,000 IDR
For a 60-month loan term, the loan amount is 44,356.78.62 Indonesian Rupiah. It has the same number of periods as at 12 months old, so you can estimate with your earnings. What is your credit limit, installment payment and age?
Advantages of an independent loan without collateral
Some of the advantages of using unsecured credit from Bank Mandiri are as follows:
- Competitive interest rates The interest rate charged on this KTA is very competitive. due to the adjustment of the loan period submitted
- The application process is fast. For those of you who need fast funding, this KTA can be a solution. If the documents and conditions are met Disbursement can be processed from 1 x 24 hours to 14 working days.
- large credit limit Even if it is intended for the general public. but you don’t have to worry Because the limit is big enough to meet your needs. The minimum loan amount is IDR 5,000,000 with a limit of IDR 200,000,000.
- The duration or age can be adjusted according to your needs. There are many age options that can be adapted to your abilities, from 12 months to 180 months, you just have to choose.
- Fixed installment. The amount of the installment to be paid will not change from the first payment until the payment is made.
Documents for applying for a loan without independent collateral
To apply for Mandiri unsecured credit, the following document requirements must be met:
- Copy of National Identity Card (KTP)/KITAS
- Proof of income or salary slip can be SPT or SKP.
- Copy of family card (KK)
- Prepare your taxpayer identification number.
Meanwhile, the requirements for the person submitting are as follows:
- Have a minimum income of IDR 3,000,000 per month
- The minimum age is 21 and the maximum is 55.
- Must have a credit card and a limit of at least 5 million rupiah.
If you meet the above requirements both in terms of documentation and personal requirements You can proceed with your application by visiting the nearest Mandiri Bank branch directly. You will be directed to the process by a cashier or on-duty customer service. Once checked The disbursement process takes 1 to 14 days.
Or you can apply for a loan through an application made by Bank Mandiri which can be downloaded on your mobile is the application. Living Mandiri This application can be used to make loan application easier.
Tips to make the independent unsecured loan application process go smoothly.
A few tips to Your unsecured loan application has been approved. The banks are as follows:
1. Make sure your credit history is up to date.
Usually before credit application check. The bank will check your credit history. Are you a diligent person to pay installments or not? This will affect the disbursement process.
So, if you previously gave credit but had a lot of bad debt. The bank will think again about giving you credit. To make sure your credit history is good to be able to get KTA Mandiri.
2. All conditions are met.
to get disbursed quickly Make sure all the conditions listed above are met. Let’s start with the personal requirements of the minimum monthly income and age range. meet the requirements of the documents to be submitted
because if there is nothing complete The bank will ask you to complete it first. So the time it takes will be longer. They can also fail if conditions such as monthly income are not met or they are too young or too old that do not meet the requirements.
3. Borrowing based on ability to pay
with credit simulation platform You can estimate your ability to pay. as much as possible Apply for a credit loan based on what is assessed in the simulation so that the process can be carried out quickly.
Here’s how to get Mandiri unsecured credit with explanations and tips on how to get them. Good luck!
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