Kapanlagi.com - Buying goods on credit is now a common thing to do. For some people, buying on credit is a convenience. Moreover, there are now various credit service provider platforms, one of which is home credit. Various necessities can be purchased on credit on the platform. So, you can also credit your HP in home credit.
It can't be denied that HP is now one important necessity. HP is not only used for communication, but also for other important needs such as work and learning. Therefore, there are many people who like to buy the latest model of HP with advanced features. Unfortunately, the price of the latest HP is very high. If that's the case, the way to credit an HP in home credit can be a solution.
Summarized from various sources, here is the review related to how to credit an HP in home credit.
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(credit: unsplash)
Before knowing how to credit a phone with home credit, it's good to first understand the terms and conditions. Yes, just like applying for credit on other platforms, home credit also applies some terms and conditions for its customers. Without meeting the terms and conditions, the credit application with home credit may be rejected.
Here are some terms and conditions for how to credit a phone with home credit.
- Credit applicants must be Indonesian citizens (WNI) proven by having an ID card.
- Credit applicants must be at least 21 years old, or 19 years old with the note that they are already married.
- Domicile or place of residence in the home credit service area.
- Having a reliable fixed income to meet needs and pay credit installments.
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Actually, how to credit a phone with home credit is quite practical and not complicated. You can even directly visit the store and bring your dream phone home right away. All of this can be done as long as all the terms and conditions that have been explained earlier are met.
However, for more clarity, regarding the procedures for how to credit a phone with home credit, you can follow the steps below.
- First, prepare your ID card and other supporting documents such as payslips.
- Don't forget to download the My Home Credit application, then register.
- If the required documents are ready and you have registered on the application, you can directly visit the phone store. Make sure the phone store is already a home credit partner.
- Upon arrival at the phone store, you can directly choose the item.
- Inform the salesperson who serves you that you will make a credit purchase through home credit. Then, scan the QR code at the partner store.
- The sales agent on duty will then process your credit application in approximately 3 minutes.
- You will be given a contract, read the contract carefully. If you agree, you can immediately sign and pay the down payment (DP) and administrative fees.
- Done, the process of purchasing a phone on credit through home credit has been completed. You can bring your new dream phone home right away.
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(credit: unsplash)
Although applying for a home credit phone loan may seem easy and practical, the fact is that the application can still be rejected. This rejection is generally caused by failure to meet the requirements and conditions. In addition, specifically, there are several things that can result in a home credit loan application being rejected.
Therefore, as a precaution, it is important to know the reasons for a loan being rejected in addition to how to apply for a phone loan through home credit. The following are some points that can cause a home credit loan application to be rejected.
- The applicant's age is not sufficient, that is, they have not reached 21 years of age or are 19 years old but not married.
- Having an income below 3 million. In addition, applicants with a monthly income of 3 - 10 million but have credit cards from 2 issuers are also potentially rejected.
- Having a poor track record, especially in terms of credit transactions in the past.
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Buying goods, in this case, a phone, on credit through home credit does make it easier. However, you cannot take it lightly. Because no matter how large the installment in the future will still affect expenses. Therefore, tips or strategies are needed to pay off home credit loan bills. Here are some tips for paying off a home credit loan.
1. Manage monthly income. Make sure the allocation for all your loan installments does not exceed 30 percent. That way, you can still meet your needs, fulfill your loan obligations, and save money.
2. Do not delay paying bills. Pay each loan bill on time according to the specified amount. Remember, payment history will affect future loan applications.
Those are some reviews on how to apply for a phone loan through home credit. Hopefully, it is useful and good luck!
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