What is Unsecured Credit (KTA)?
Unsecured Credit (KTA) is a loan product that provides credit facilities without burdening prospective customers to prepare an asset to be used as collateral for the loan.
That way, there is no guarantee that you must provide to guarantee the loan. In this case the bank only makes credit decisions based on the credit history of the credit applicant personally. In general, a credit history is built when you have a credit card, motorcycle credit, car loan or mortgage. In its use, there are several benefits that are often used from KTA. One of them is for consumption needs. That too is still broad and varied. In this case, the ability of the customer to carry out repayment obligations or repay the loan is a substitute for collateral.
Which Banks Offer KTA Loans ?
Submitting online loans at Cermati is of course realized with the cooperation of various banks and financial institutions in Indonesia. The following is a list of banks that offer Unsecured Credit Loans in Cermati:
ANZ KTA.
KTA Bank Amar.
KTA Bank BNP
KTA Bukopin.
KTA Danamon.
Bank Mandiri KTA.
KTA BCA.
KTA BNI.
KTA BRI.
KTA Citibank.
Commonwealth KTA.
KTA CTBC Indonesia.
KTA DBS.
HSBC KTA.
KTA Hana Bank.
KTA Maybank.
KTA OCBC NISP.
KTA Panin Bank.
KTA PermataBank.
KTA QNB.
Standard Chartered KTA.
What are the advantages of using KTA?
- Easy credit application requirements and a fast process
- Loans are submitted without the need for collateral or without collateral.
- The use of loans is tailored to your needs.
- Fixed interest rate (over the life of the credit contract).
- The loan installment period is adjusted from 12 months - 60 months.
- Get insurance protection (for some KTA products from certain banks
- The loan limit is quite large, up to IDR 300 million.
