My WordPress Blog

Latest Blog

Large banks are said to increase loan loss provisions for problem loans

The banks, which are directly controlled by the Capital Lender, are to gradually cover all risk positions that are classified as “non-performing” from 2018 onwards through risk provisioning.

In the bank letter, the Association of German Banks provides information on current news and events from the world of finance and banking every day.

Large banks should provide more for problem loans

Large banks should provide more for problem loans

Europe’s large banks are expected to provide even better protection for loans at risk of default. It is expected that the financial institutions directly controlled by the Capital Lender (ECB) will gradually cover all risk positions that will be classified as “non-performing” from 2018 onwards through risk provisioning, the European supervisors said today in Frankfurt.

For the unsecured part of such non-performing loans (NPL), full coverage is sought after two years at the latest, and for the secured part after seven years at the latest. If banks fail to do this, they must explain to the supervisors any deviations from this guideline.

The ECB puts the total NPL volume for the 120 banks it directly supervises in the dollar area at the end of the first quarter of 2017 at a total of USD 865 billion. A year earlier it was 950 billion dollars. “Many banks have made remarkable progress and have put forward credible strategies and reduction plans. However, some banks still have room for improvement, ”the supervisors explained.

More news of the day

More news of the day

That was also important today:

Nowotny sees the ECB turning slowly

According to Council member Ewald Nowotny, the Capital Lender (ECB) is slowly moving away from its previous monetary policy. A cautious normalization is aimed, said Austria’s central bank governor in Vienna today. “That doesn’t mean braking abruptly, but it does mean stepping slowly away from the accelerator.”

Speculations about possible Yellen succession

According to a media report, it is still uncertain who will head the Federal Reserve in the future. There is no favorite yet, but there is a list of candidates, the Bloomberg news agency reported today with reference to several people familiar with the matter. Advisers to US President Donald Trump had made this list.

The search for candidates is now complete. The current Fed boss Janet Yellen is still under discussion but has only a few supporters in Trump’s closest advisory group.

The other names in circulation are Trump’s economic adviser Gary Cohn, former central banker Kevin Warsh and current central bank member, Jerome Powell. The economics professor is also named John Taylor. Neel Kashkari, President of the Fed branch in Minneapolis, has also been added.

Tips and Tricks for Choosing the Best Secure Online Loans

Online loans are now a favorite of the Indonesian community. This can be proven by eliminating online lenders. Although there are many, there are only some of the best online loans. How do I know? Check out the tips and tricks below!

With the advancement of technology and the smoothness of the internet network in Indonesia, online lending has become one of the most popular types of lending. Just keep in mind that over the last few years, we have found dozens of fintech companies providing online loans.

In fact, it can also be a sign that the economic needs of the people are still incompatible with the income that we may not need to incur when we are in desperate need of funds or because there is an urgent need that cannot be delayed.

Benefits of Online Loans

Benefits of Online Loans

It is questionable why online lending is so popular today and the public is moving away from conventional bank lending to online lending. But if you look at it, the best online lending offers many benefits to its borrowers such as:

  • The filing process is very easy

The best online lending has a very easy application process as it can be applied online. That way, you don’t have to worry about coming to a lender such as a bank or lending institution and lining up. With just your phone and internet connection, you can apply for a straight online loan.

  • The disbursement of the funds can take one day

As submitted online, the liquidity of the funds can quickly dissipate. The best online loan rates can be found in just a few days. Some are actually liquid in just one day. How can a monthly online loan be liquid? This is because of the data and requirements documents provided in digital form that can be processed directly by the lender on that day. Please note that all the data and documents provided in the physical form must be digitally entered so that the lender will work twice.

  • Can be used for anything

Unlike other types of loans that are intended for specific purposes only, the best online loans can be used for any purpose. You can use these loan funds like venture capital, home remodeling, education funds, wedding capital, hospital treatment, vacation expenses, and even repairing vehicles damaged by the accident.

  • The requirements are very easy to meet

The best online loans have requirements that are very easy to fill. Although each provider sets different requirements, it does require an average ID (Citizenship Card), Personal Identification Number, Tax slip, payslip, and newspaper accounts. With these few conditions, people are more likely to comply. Prepare the terms of the document in digital form, so be sure to scan everything first.

With so many benefits above, who isn’t easily tempted?

Tips and Tricks for Choosing a Secure and Trusted Online Loan

Tips and Tricks for Choosing a Secure and Trusted Online Loan

But you need to know that not all online loans in Indonesia are safe and reliable because there are rare cases of fraud that could harm you. Therefore, to choose the best online lender, take a look at the tips and tricks below!

  • Already Registered in OJK

First, always choose the best online loan application registered with the OJK (Financial Services Authority) because the online loan application listed in the OJK means that they are under surveillance so that they cannot cheat or harm the borrower. If you want to know the latest updates on the list of online loan applications listed on OJK.

  • Have an Official Office

Also, see if the best online loan application has been registered at the FSA, another trick is to see if the online loan application has an official who can track you through Google Maps. The existence of the official office of the best online loan application is crucial so that in the event of an unwanted risk, you can claim it by going to their official office. That way, you can believe that the online loan application you choose is not a fraudulent loan alias.

  • No Payment Terms

There are actually simple tricks that can prove that the best online loan application you choose is safe and reliable, by looking at whether they are requesting a refund. If the best online loan applications ask for some funds to stop the disbursement of your loan, then they definitely intend to trick you as there are no online loan applications that require a down payment.

  • No Request for Banking Data

In addition to not requesting a refund as a prerequisite to disbursing a loan, a secure and trusted online loan application never asks for your banking data. Remember, they usually only ask for your account number! Not other banking data such as your maiden name, credit card number, etc. So always be aware that there are online loan applications that ask for your banking data.

Good Credit Becomes the Best and Secure Online Loan

Good Credit Becomes the Best and Secure Online Loan

In fact you don’t have to worry about finding the best online lender in Indonesia because of Good Credit. Good Credit is the best online loan applications that have been registered with the FSA since 2017. There are two types of online loans granted by Good Credit, the Short-Term Loans and Installment Loans. To short-term loans are divided into two loans and loan Fast Way to provides loans ranging from $ 50 to $ 5 million with a 10-30 day installment period. As for the loan installment is also divided into two loans and loan Premier Way + + which provides loans ranging from USD 4 million to USD 20 million with maturities of installments ranging from 3-6 months.

Applying for a loan online at Good Credit is also very easy. First, you need to download the Good Credit application. Then sign up before you can login . After successfully logging in , you will need to complete your personal data and upload the required documents. After all, you just have to choose the loan number you want and the loan term. If so, then click start submission. Wait for the submission to be processed within 1-3 business days. If your application is approved, the funds will be liquidated directly through the savings account you provided earlier.

By applying for the best online loan at Good Credit, you do not have to worry about the risk of fraud happening! But do not forget to always pay the installments on time until the payment is made!

Losses and adverse effects of credit card use

It is undeniable that credit cards provide flexibility in transactions. Without having to carry cash, just swipe your payment machine to get the goods or services needed. Credit cards provide practicality when in an emergency situation where we do not have funds, we can previously borrow funds to the bank (credit) which will later be paid by the borrower.

Furthermore, credit cards offer attractive promos or deals so that cardholders shop using it.

Behind the advantages of credit card ownership, there are a number of losses that you must know. Credit card ownership should think that by using a credit card you will owe, this means you must also be able to pay.

But the reality is that a lot of credit card users forget to pay their debts on time, causing various losses. Here are the types of losses caused by using credit cards:

Disadvantages of using a credit card

Disadvantages of using a credit card

Debts are increasingly piling up if shopping is not restricted

Using a credit card is indeed practical because you only have to swipe away when you have completed the payment. The availability of credit card payment methods that are found by many card users sends encouragement to shop. Shopping with a credit card is not using the funds in a savings account, but debt to the bank.

Easily shop with a credit card without restrictions, of course, make the debt more piling up and if late paying, the debt will continue to mount.

Excessive consumptive behavior

Credit cards offer attractive promos or deals that encourage people to shop. It is true that credit cards offer prices that are relatively cheaper compared to other payment methods. But you know, this spoils excessive shopping behavior. If you fall asleep with unnecessary promos or deals, your debts will also accumulate.

Credit cards give the illusion that cardholders can buy many things that cost more than their income. In this case, cardholders must be wise in using credit cards according to their needs and ability to pay.

Payment of interest and other expensive fees

Payment of interest and other expensive fees

The average credit card program eliminates the first annual fee but starts to be billed in subsequent years. Banks charge interest for each debt so that if calculated, paying the debt is more expensive than the initial expenditure. Even worse if you forget to pay debts on time, then you will be charged a penalty fee so that the debt you have to pay is getting more expensive.

Expensive cash withdrawal fees

Credit cards are really useful when traveling abroad. You can withdraw cash at the local ATM. However, you have to know how much it costs to withdraw one cash. According to the Nest, withdrawing cash with a credit card is more expensive than using a credit card because credit cards charge fees and interest for cardholders.

As for one thing that you should know about credit scores (credit rating) that is an appraisal system whether or not you get a loan and be taken into consideration by the Bank. You can get a bigger limit or are allowed to borrow if you continue to improve good credit scores.

Use a credit card carefully and effectively

Not all credit card usage carries losses. If you use it responsibly – pay on time and do not exceed the limits given, of course, provide convenience benefits in transactions of daily needs. Previously Sepulsa has shared stories about using the correct credit card. This time we added two ways to prevent losses from using a credit card!

Remember, transacting with a credit card is to increase the debt

Remember, transacting with a credit card is to increase the debt

As mentioned before, using a credit card is indebted. If you are ready to use a credit card you must also be prepared to pay. In the midst of lots of lucrative discounts and promos, you also have to hold control of your instincts for shopping.

Make sure you can prevent your debt from mounting by paying your bills on time and in full. If you forget to pay on time, you must be prepared to pay late fees with interest determined by the bank.

Adjust the limit with income

If you are a credit card holder it is better to limit credit limits according to income. This prevents you from being able to borrow beyond your ability to pay. If every month you earn USD. 8 million you would be better off asking for a bank limit of 3 million. Because you can manage expenses so that your financial condition is healthy.

History of Making Credit Cards

A credit card, a card that provides transaction convenience and offers a variety of discounted offers, has a fairly interesting history. Credit cards were not shaped like what we see today, over time the shape has changed according to daily needs. Do you know how the credit card has been developing?

The first time a credit card was born in the idea of ​​a bill or charge card

The first time a credit card was born in the idea of ​​a bill or charge card

In 1946, banker Good Finance issued the Charg-it card. The card is used when customers make transactions, bills will be sent to the Good Finance bank. The bank will reimburse the store or place of the transaction when the customer has paid the charge card bill. However, payments apply at the local level and customers must have a bank account at Good Finance Bank.

What’s interesting about the history of credit cards is that the idea of ​​a payment card swipe later appears when a banker Frank McNamara is having dinner and when the bill comes, he doesn’t carry cash. It’s really troublesome if he goes to an ATM first to withdraw money.

All he did was call his wife to bring him money to pay for his meal. After the incident, the thing that came to mind was what if he and his colleague created a paper-based charge card that could be used first to pay for restaurant costs and then when due was due to pay the bill fully to the card issuer. This is the origin of the birth of the Diner’s Club.

What is Diner’s Club


The Diner’s Club forms a network of restaurants that accepts payment methods using the Diner’s Club. Furthermore, the credit card changed form to plastic when a decade of the emergence of the Diner’s Club, the Diner’s Club was still in the form of a Charge Card where bills had to be paid in full when due.

Responding to the rise of Diner’s Card, in 1958 American Express participated in the credit card industry with its own products and introduced plastic-based credit cards. A year later, MasterCard introduced the option of a revolving balance in which cardholders no longer had to pay their bills in full each time which gave them the flexibility to manage financial conditions.

Well, what about the history of credit cards in Indonesia?

Credit cards in Indonesia emerged in the 1980s. A payment instrument that is practical and saves a lot of time is really desired by the people of Indonesia. Did you know the process of making a credit card before was not as easy as now? The process is quite complicated and only a handful of people have it.

The requirements include the amount of savings, type of work to social status. Besides that, the easiest way to apply for a credit card is through your friend’s reference to the member get member program.

How to Calculate credit online?

Every day brings new situations with us, which we have to deal with flexibly and quickly. It may well be that the necessary cash is missing.

With an online loan request, you can quickly find out what the solution tailored to your needs could look like. Whatever you plan to do, such as financing real estate, buying furniture or buying a new car, refinancing existing Good Finance or Good Finance card debts, a personal loan will help to bridge your financial needs.

Calculate credit online

Calculate credit online

Get your personal Good Finance online. Obtaining your online loan is very easy. Basically, you have to decide the following:

  • Desired loan amount: What amount do you need as a loan? Have you considered all the costs? Sometimes it makes sense to have a little stock. Of course, you can increase your Good Finance later if it does not lead to overindebtedness and the personal budget is sufficient.
  • Loan period: How long do you want to repay your loan? With a fixed loan amount, your monthly installment is lower with a longer loan period. On the other hand, your total interest amount is higher. You can choose what is best for you.
  • Personal information: Enter your personal information in your online request. We check your Good Finance score and make loan offers from which you can choose the one you prefer. And soon you can start your loan project!
  • In our Good Finance Good Finance calculator online you can choose the amount and installments yourself. You can adjust the payments to your specific needs. The monthly installments should match the monthly budget so that there is room for unexpected payments. The calculated prices and interest rates are informative. After processing by the financial institution, the definitive Good Finance interest rate is set. The informative prices on our Good Finance portal help you to show the possible costs.

Honestly complete the credit request

Honestly complete the credit request

There is no typical personal loan. Each customer has different backgrounds and specific needs, a specific situation that we address with our experience. Borrowers can choose the Good Finance term and adjust payments to their specific needs. The monthly installments should correspond to the monthly budget so that there is room for unexpected payments and the personal loan does not lead to over-indebtedness.

Various information is listed in the Good Finance Inquiry. Our team needs this to be able to assess the personal financial situation. It is important that every statement is made honestly. Incorrect information is noted in the system and can lead to negative decisions. If you have any questions or something is unclear, it is better to call and ask our experts.

We also do not advise asking too many Good Finance. Because the more applications are open, the smaller the chances of an inexpensive Good Finance. Wait, be patient and contact us with any questions. If the personal situation may be difficult or the income and expenses unclear, it may take a little longer to process the Good Finance request. However, this does not mean that you will not get your money. It is worth investing a little more time, but getting a better Good Finance contract with which you are also satisfied.

Loan processed in 24 hours and paid out in 14 days

Loan processed in 24 hours and paid out in 14 days

You choose your Good Finance amount yourself. Whether you need a personal loan or want to finance your dream home, we offer affordable prices and attractive conditions. And because you choose the loan term yourself, you can make your Good Finance flexible in repaying the installments.

Our team processes every Good Finance application received in 24 hours. At the end of our Good Finance Inquiry, you can upload your documents. If we already have the necessary documents such as a copy of a valid ID and the last three wage slips when we make the request, we can act faster. in the end, the bank decides on the loan.

The legal waiting period for the payment of personal loans is 14 days. Then the money is paid directly to your bank or postal account.

Benefit from our experience for the best Good Finance solutions

Unlike traditional financial institutions, Good Credit is an independent platform for Good Finance. As an officially recognized Good Finance broker, we have been working with the largest financial institutions such as Bank Now, Cembra Money Bank and Cashgate for over 33 years to offer the best solutions for individual needs.

It is important to know that the Good Finance allocation must not lead to overindebtedness. This is anchored in the law and we take it seriously as Good Finance Agents. In this sense, we advise you responsibly and try to offer the best solutions to your needs.

Credit rates again below 1% … over 15 years and a resumption of demand for loans in June!

Paris, July 5, 2018 – In July, the rate scales hardly changed, after the cuts practiced in June … But the banks again grant very low rates to attract the best customers, back on the market since mid-May. So it is now possible to borrow at less than 1% over 15 years, negative real rates with regard to inflation at 2.1%! In this context, Lite lender company notes a real recovery in loan demand in June, returning to its level in June 2017, but with half the loan renegotiations, confirming the resumption of real estate transactions and the desire of the French for Pierre.                                                                                    

Rates posted overall stable, but big discounts and rates at less than 1% over 15 years!

Rates posted overall stable, but big discounts and rates at less than 1% over 15 years!

In July, banks generally left their rates stable, at the same level as in June, the month in which many of them had lowered them. However, in a context of renewed demand for credit and revitalization of the real estate market, banks are granting large rate reductions to the best profiles, or to young people, with a return to rates close to the lowest historic levels of the 2016 year! “In a context of return of buyers since mid-May, the banks are competing strongly to attract the best profiles and young people, by offering them very attractive rates! Several of them have launched in recent days special operations valid all summer long with “broken” rates… We are again seeing loans granted at less than 1% over 15 years and less than 1.3% over 20 years ! The market is currently clearly in a recovery phase, boosted by rates close to the lowest historic levels at the end of 2016… ” analyzes Sandrine Allonier, spokesperson for Lite lender company .

Average rates are currently 1.30% over 15 years, 1.50% over 20 years and 1.70% over 25 years, but with negotiated floor rates at 0.68% over 15 years, 1% over 20 years and 1.35% over 25 years for the best profiles.

Examples of profiles currently benefiting from rates of less than 1% over 15 years in Lite lender company agencies:

  • 0.68% over 15 years in Nantes for a couple of first-time buyers of 35 years with $ 5,500 / month of income and 60% contribution
  • 0.89% over 15 years for a CSP + couple with more than $ 150,000 in annual income and a lot of savings in Paris (14 th )
  • 0.90% over 15 years to finance a rental investment for two 55-year-old executives with $ 85,000 in income and $ 250,000 in savings in Mayenne
  • 0.95% over 15 years for a single person with income above $ 30,000 / year or $ 50,000 for a couple in Rhône-Alpes, but also in Orsay
  • 0.96% over 15 years for a borrower with more than $ 60,000 in income and less than 35 years via an online bank
  • 0.98% over 15 years in Lorient for a couple with $ 3,000 / month of income
  • 0.99% over 15 years for a couple of seniors with $ 6,500 / month of income and only $ 5,000 contribution to Saint-Etienne

But also 1% over 20 years for first-time buyers of 32 years with $ 65,000 / year of income in Laval!

Negative real interest rates, but not an immediate impact for the borrower…

Negative real interest rates, but not an immediate impact for the borrower…

While inflation is currently at 2.1% in June, against 1.4% again in January, most loans are currently granted at real interest rates (nominal rates offered by banks “minus” the rate inflation) negative! Admittedly, this is theoretically the case, but for the borrower, negative real interest rates have less impact than they have for an investor who sees the theoretical purchasing power of his savings decrease when consumer prices are increasing faster than the return on savings …

In the case of a negative real rate credit, it is not because consumer prices increase that the weight of the fixed monthly payment for the borrower decreases… It just means that the burden of repayment of the loan will weigh relatively less than other consumer spending rising in the borrower’s budget … What really matters to him is in fact the evolution of wages … For example, the minimum wage increased by 1.24% only in 2018, a figure below inflation … “Beyond the evolution of inflation, it is the evolution of wages that must be observed to assess whether the burden of repayment of a credit falls for borrowers … It is only when wages increase that the monthly payment of the credit, which is fixed, weighs relatively less each month … But as inflation is taken into account in the revaluation of the minimum wage and certain wage negotiations, there will indeed be a positive effect but i ndirect, for the borrower, provided that inflation remains at this level in the coming years … “explains Sandrine Allonier.

The return of the credit request to the same level as in June 2017!

The return of the credit request to the same level as in June 2017!

While the 1 st quarter of 2018 was marked by a wait-and-see attitude by buyers with a demand for loans down by 20%, in recent weeks, the real estate market has regained unprecedented dynamism in 2018, with a level of demand equivalent to June 2017 …

“Since mid-May, we have observed a return of buyers, particularly in connection with the level of very attractive rates … In June, the number of loan requests returned to the same level as in June 2017, with 2.5 times fewer renegotiations, which testifies to the resumption of transactions and the dynamism of the real estate market in this summer period. In this context, the banks do not want to miss this window of fire which should enable them to progress rapidly in their objectives of production of credits, after a more complicated start to the year… Hence a particularly attractive rate policy which should be to continue again at the start of the school year, a key period for banks because it has traditionally been rich in real estate transactions ” concludes Jerome Robin, CEO of Lite lender company

Apply for a loan online or in person

Today everything has to be quick and easy. However, it remains to be seen whether this will lead to a better result. It is important to inform yourself and to strive for the best solution for achieving personal plans. Applying to Steph Pickner is important in order not to pay unnecessarily high interest rates and not to get yourself into debt.

There are many so-called “loan sharks” on the Steph Pickner, meaning dubious intermediaries. They often advertise with low prices, impossible payment times and thus empty promises. It is important to our team to provide targeted advice and support to customers.


Apply for a loan online or not?

Apply for a loan online or not?

In the Steph Pickner calculator online, you can simply fill out and send a Steph Pickner request from home. This saves the possibly tedious route to the bank counter with short opening times. An additional factor is the anonymity that many people prefer today. These are some points that are beneficial when you Steph Pickner online. Despite the speed of email contact, our employees are always looking for personal contact. In the end, however, the customer decides how to respond.  

If some prefer it anonymously, others prefer to go to the counter and get personal advice. Individual questions can be answered directly in a personal conversation. Many customers feel safer in this situation to speak about personal concerns.


Required documents for the Steph Pickner request

loan document

Various documents are required to process a Steph Pickner request effectively. If these are available from the start, the work of the Steph Pickner agent will be easier and faster. You can effectively get feedback from financial institutions in less time. This in turn means that Steph Picknerkunde gets the requested money faster.

The following documents are required for an initial assessment of the financial situation:

  • Copy of a valid ID (Swiss passport or ID, foreigner ID)
  • Copy of the last three salary slips
  • Copy of the health insurance policy

Other documents can be requested at a later date, but they vary depending on the case.


Loan processed in 24 hours and paid out in 14 days

money Loan

Our team processes incoming Pett ‘s sniff request in 24 working hours. During this time you will be contacted via email or phone. At the end of our Steph Pickner request, you have the option to upload documents. This helps us to process your case quickly. In some cases, the bank decides on the Steph Pickner award within 48 hours. This if the complete documentation is available from the start.

The legal waiting period for the payment of personal loans is 14 days. Then the money is paid directly to your bank or postal account.

Beware of Naughty Online Loan Applications, Know the Characteristics!

Online loans are on the rise as they are easy to apply and the process is fast. But if you’re not careful, online lending is extremely vulnerable to online scams. To avoid getting caught, be aware of the features of online loan applications that you should avoid!

Anyone unfamiliar with online loans

Currently, online lending is being talked about by the Indonesian community. The reason is that this type of loan is very much a fan. In terms of one’s financial condition, it is not always excessive. There are times when we have economic problems that make us have to lend. Not only because of economic problems, when there is an unwanted risk such as hospitalization, accidents, and so on, people are more likely to lend money.

Online loans are one of the types of loans you can get by applying online, either through a website or an application. This loan was provided by a fintech (financial technology) company. Since these loans are not provided by the bank, then, of course, you have to be extra careful as there are many fraudulent practices that name online loans.

Features of Naughty Online Loan Application

Features of Naughty Online Loan Application

Actually avoiding the risk of fraud from this nasty online loan application is not difficult as long as you look at some of the features below!

  • Not Registered in OJK

One way to recognize a nasty online loan is to check if the name of the best online loan application is already registered with the OJK (Financial Services Authority). Once registered, the online loan is secured as the OJK will oversee all processes involved in lending activities online, from the process of filing, disbursement, payment, to billing.

  • Information About Incomplete Loan Products

One of the characteristics of a nasty online loan is that it does not provide information on loan products clearly. Usually, they only provide information on the loan product they offer. Therefore, when reading product information, be sure to include interest rates, installment tenure, payment method, any additional fees, sanctions imposed if late payment, and so on.

  • Ask for Cash

The next feature is the requirement to provide a certain amount of funds if you want a fast loan. You should know, when doing online lending, there are some administrative costs, but it is only a small amount of money and much less. So if anyone asks for up to $ 1 million in funds, they definitely intend to cheat you.

You have to ask yourself, why would anyone want to borrow money instead of borrowing money? Most people who lend money fast are in desperation or really need a large number of funds right away. So they would definitely be willing to spend $ 1 million to get a loan of $ 100 million. So be sure to be careful about things like this when applying for a loan.

  • Request Banking Data

You should be suspicious and be wary of lenders who ask for a bank pin or password that you have for a reason for lending data. In most cases, the requested data is just a name, phone number, email address. Banking pins or passwords are personal and should not be disclosed to others. Especially if they ask for credit card numbers and so on.

  • Send Unauthorized Email

Keeping in mind every single detail is a must. But sometimes we are unaware of such things. Let’s say that the email sent by a low-interest online loan application. When confirming and following up, the usual procedure is to call or email. Company email with a legal alias always uses the registered email address of the company because they represent the company, not a personal email address. So if they appear to be using a personal email address, then you have to be suspicious.

  • Office Names and Addresses Not Available on Google

An easy way to find out if the online loan application you are aiming for is to check Google’s office and address. If you can’t find your office name and address on Google Maps, then the online loan application you’re referring to is not a registered company because it does not have a physical office. By searching Google for your name and office address, you can also find comments or opinions of people who have used this online loan application.


  • Existence of the Force

The last feature of a naughty online loan application is the coercion directed at you. Usually, some people make long-term decisions so when they ask the lender, they do not immediately apply for a loan and say they will contact the lender again if they have made the decision.

The lender will definitely follow the follow-up process to reconsider your decision. When asking this question you should pay attention to the lender’s behavior. If they are overreacting by forcing and constantly calling, then we definitely have to avoid it. Because it could be that the lender is illegal.

Secure and Trusted Online Loan Application

Secure and Trusted Online Loan Application

Now you know that these are not the features of a liquid direct online loan application that you must avoid. If you want to secure a secure and reliable online loan, you can apply it through Good Finance. Good Finance is an online application that has been registered at the FSA since 2017.

There are two types of online loans granted by Good Finance, the Short-Term Loans and Installment Loans. Short-term loans are divided into two loan Loan Fast Way and providing loans from funds from $ 50 to $ 5 million with a 10-30 day installment period.

As for the loan, the installment is also divided into two loans and loan Premier Way + + which provides loans ranging from Rp 4 million to Rp 20 million with maturities of installments ranging from 3-6 months.

  • Download the Good Finance app on the PlayStore or AppStore
  • Sign up by filling in your personal information in the form of your full name, email address, and phone number
  • Do logged into the application
  • Fill out the requirements of the requested document
  • Determine the loan amount you want and the tenor of your loan
  • Click submit and wait for Good Finance to process your 24-hour online loan application

If you already understand how to do it, just ask a loan online in Good Finance yuk!