DAPURPACUID – Do you have a dream Honda motorbike? If it is not fulfilled, it could fail and hinder the transaction process? Check out the following tips from PT Wahanaartha Ritelindo (WARI), Integrated Motorcycle Services Wahana Artha Group (WAG)!
There are several things that need to be considered and must be avoided, if the credit application process is to be approved, one of the things that often becomes an obstacle to fulfilling your dream motorbike is the impact of online loan activities (pinjol) on motorbike credit applications at 37 dealers owned by PT WARI.
The first thing PT WARI did was carry out a BI Checking, to ensure potential customers have the ability to pay motorbike installments regularly and assess possible credit risks. If BI Checking is deemed not to meet the requirements, it will result in:
• Application rejected: It is very likely that the credit application will be rejected. The dealer may consider the potential customer to be a high risk due to a poor credit history.
• Higher interest rates: If a potential consumer gets approval, they will most likely be charged a higher interest rate compared to other potential consumers who have good BI Checking.
• Additional requirements: Prospective consumers may be asked to provide additional collateral or include a guarantor to reduce the credit risk borne by the financing party.
“This process is part of the company’s value, namely Excellence Service, supporting consumers in getting their dream Honda motorbike without fear of the risks involved, especially excessive debt burdens. “Through BI Checking, we ensure that consumers who carry out the credit process are in a position to be able to fulfill their installment obligations properly,” said Head of Finance, Accounting & Operation PT Wahanaartha Ritelindo, Masper Pakpahan.
Prospective consumers don’t need to worry about credit being rejected, there are several tips so that the transaction process is not hampered by BI Checking, which are as follows:
• Avoid Online Loans: Focus on healthy financial management and avoid the temptation to make online loans carelessly, especially from applications that are not trusted and are not supervised by the OJK.
• Pay installments on time: Always pay installments on time, be it credit card installments, KTA, or other installments.
• Check BI Checking Regularly: Check BI Checking regularly to ensure there are no data errors or inaccurate information.
• Make a Budget: Make a realistic budget, record income and expenses according to the post. Make a realistic budget, record income and expenses according to the post.
“Getting credit is no longer difficult, as long as we are wise in managing our finances, the most important thing is not to always be tempted by online loans even though the terms and conditions provided are loose. “Come to the nearest PT WARI dealer and submit the credit process to fulfill your dream Honda motorbike,” concluded Masper. (dpid/BGS)
Source: dapurpacu.id
