When you need large amounts of liquid funds, applying for a certificate guarantee loan can be the right alternative for you. For example, to develop a business, like education costs, and much more. Of course, it is common information that house certificates have the greatest value among other assets that can be used as loan collateral.
Certificate guarantee loan services are generally provided by various financial institutions, from banks to non-banks such as finance companies. However, not everyone can apply for a loan with a certificate guarantee. Due to the large value of their assets, financial institutions also set strict requirements on prospective debtors.
One of the requirements is the salary and profession of the prospective debtor. Not infrequently, some debtors who work as employees experience refusal in applying for loans with certificate guarantees.
Well, for those of you who want to apply for a loan with a certificate guarantee and work as an employee, there's no need to worry! You can apply for a home certificate guarantee loan at BFI Finance.
There is special good news for those of you who work as employees, here! You can get a home certificate guarantee loan with 0.6% interest, you know!
So, Let’s see the complete requirements to apply for a home certificate guarantee loan at BFI Finance!
Home Certificate Guarantee Loan Document Terms
The following are a number of documents needed to apply for a loan with a home certificate guarantee at BFI Finance:
• KTP, KK, or Marriage Book (for those who are married)
• TIN
• House Certificate, IMB, and PBB
• Personal and spouse's salary slips (if married)
• Certificate of employment for the last 6 months (for employees)
• Business Legality (for entrepreneurs) such as SIUP, TDP, AKTA CV/AKTA PT, business NPWP
• Current Account 6 months – last 1 year
Customer Criteria and Guarantee House
In addition to the completeness of the documents, the feasibility of the prospective customer and the house to be guaranteed is also assessed. To apply for a loan at BFI Finance, prospective customers must be 21-60 years old and have worked as an entrepreneur or permanent employees for 2 years.
The house that will be guaranteed is also considered feasible if it meets the following general requirements:
• SHM or SHGB in the name of yourself and your partner
• Not in a narrow alley or road (can fit 1 car)
• Not near public facilities, Very High Voltage Power Lines, or cemeteries
• Currently occupied and not in the process of selling
By applying for a certificate guarantee loan at BFI Finance, you can get a tenor of up to 12-84 months, as well as disbursement of 60-80% of the value of the asset you guarantee. Of course with a fast and easy process.
What are you waiting for? Let's apply for a loan with a guarantee for your home certificate at BFI Finance!