Unsecured loans loan providers or unsecured loans generally require that potential borrowers meet various requirements for the completeness of identity documents. Standard Terms are ID or passport identity. Some loan providers also exist which require the ownership of the Taxpayer Identification Number (NPWP) when the unsecured loan application exceeds the limit of a certain loan ceiling. Terms of income documents, in order to get a loan without collateral, the prospective borrower is usually required to attach a document of proof of income. The proof of income is required by the loan provider to measure the financial condition of the prospective borrower, as a credit analysis material to determine the ability of the prospective borrower to repay the loan someday. The proof of income is usually determined in the form of monthly salary slips for prospective borrowers who have employee status, or data on bank accounts for prospective borrowers private status.
Credit card ownership requirements, although not a major requirement, some unsecured loan providers generally require the ownership of the borrower's credit card. Condition is also not just have a credit card. Some unsecured loans providers also require credit card ownership of at least a year with a certain limit. Why is credit card ownership important in disbursing unsecured loans loans? Banks will usually use your credit card reputation data as one of the credit risk analysis materials of the prospective borrower.
Is the credit card holder the debtor is often late to pay the mortgage? Or, often spend credit card limit. Here, the bank will also see your reputation in using a credit card. If the reputation is good, for example, never to late credit card bills, often paying full bills and rarely overlimit cards, banks will more easily approve the filing of unsecured loans. Although often written as one of the conditions that must be met in the filing of unsecured loans, in the market there are also unsecured loan products that do not require credit card ownership.