Seven Mistake in borrowing the money to bank

Many people wrong done by civilian in raising the loan to Bank. This mistake is caused ignorance they are in have invesment to in property.
First mistake,Many people raise the loan only to 1 just bank and when in refusing the world feel to desist to rotate to move forward the minimum credit 4 bank so that when in refusing us not sorrowful, by raising to many banks indicate that the serious you wish to borrow the money swiftly.

Second mistake, Many people borrow with little value and sortly time this because psychological of the people fearing owe.
If in calculation for example borrowing the money of 100 million in 5 year with 100 million in 15 more second beneficial year because longer the payment of loan time is while price property continue to go up.

Third mistake, people borrow the money when they have no money.
this is out of luck of bank only giving the loan to that people have of money. People thinking if owing mean the downhill him effort so that newly owe when him effort fall, result of of bank frown on and blame the bank why don't give loan

Fourth mistake, usually people save after lessened by this expenditure wrong once because bank see how much/many do cash yielded monthly [is] not how much/many do expenditure do the [the] mentioned hence will lessen assessment of bank to your own

Fifth mistake, gap paid for Cash advance nicer than debt and finally bought the house by tube formerly. When enough savings of price property went up and he/she fixed could not buy property

Sixth allergy, assume the bank as enemy [is] not partner. stagnance in wrong confidence, that Bank bad, fast buck is etc which be in fact important caw,

Seven mistake,Money Loan in bank there must be have conection. finally await is conection and when there no conection only can agree " just Bold of my loan in refusing caw have conection in Bank".
this is some the mistakes is often done by civilian hopefully can assist the you.

Raise The LOAN TO BANK…?

These days, amenity in borrowing the money in bank is one of [the] very inveterate facility we meet. But there are some matters to be inculcated in mind your, if we like to borrowed the money :

its same loan not yet ever been is same of course in number payment.

Mean, loan might possibly is same have difference in the case of administration expense, rate of interest storey;level, such additional expenses and delay in payment penalty.Wrong interprate in inveterate society happened is, the two loan is equal to is same rate of interest and is same redemption duration, will finish the is same expense.Matter to the is not primary factor. The expense we finish to one loan might possibly differ because his loan type and how do that interest is calculated.Simple example of him, interest rate at a ordinary loan, level of Interest Rate to be paid, pursuant to [at] debt remain the not yet been paid.Became if quicker it paying, Interest Rate to be paid will be more small.This option compatible for the you have the money earnings erratic be like entrepreneur.Other side, you it is of course have heard the instalment fixed, banks apply the instalment system be like this where, Interest Rate calculated pursuant to full scale factor of his redemption duration and loan. Tell the instalment remain to 24 months, hence his Interest Rate is calculated by during 24 months. That of him cause named by the instalment remain to.Thus, even if you pay quicker it less than 24 months, is not meaning the you not necessarily pay [for] the Interest Rate during 24 months. imposed Interest Rate and have to be paid, is fixed calculated by during 24 months.This option more compatible possible for is difficulty which is cashflow montly revenue remain to be like employees.

Loan rate of interest and costs to be paid be in fact negotiation can with bank party.

Of course bank side will not advise this matter you except you have the consanquinity partner/family both for working in bank. banks offer the very attractive loan program to each;every product type loan which they make.Progressively assure your appearance bonafide, hence progressively easy to also you is other costs and also rate of interest negotiation which imposed.Draw up the external supporter document of formal identity letter and slip salary if exist, be like bank statement of company foreign company more peeped at, the document show you have credit record the cleanness, evidence document validate of asset be like properti, vehicle, SIUP/NPWP if needed etc.Invest the leeway to survey to some credible big banks, of the banks, narrow the choice you become 2-3 bank, pursuant to redemption scheme, rate of interest storey;level, flexibility, amenity, bonus, what is interesting very according to your.Ask to pertinent bank do they can give the offer which is is better to be compared to the bank kompetitor you which have visited. Use credit record you is as weapon for have negotiation. If you have accustomed or have have taken the loan, explain to bank because usually will be more be watered down.Can also, you offer to bank to charge directly of money of account as part of scheme redemption of loan. Core of it many of the matters you can use to economize your expenditure of moment raise the loan.

Bank is very hope you borrow the money, more than the you require.

Bank wish you think that they have had the goodness to by loaning the money you according to requirement. Be in fact, this [is] not [at] context how well is liver of of bank , but rather is one compulsion and procedure fixed, remember, bank have to channel the loan [so that/ to be] can maintain his business, as according to projection early attainment goals and year per his year. The bank too over-liquid will not give many advantages to owner share.In Indonesia there are 130 bank, where 11 between its are foreign bank, readily channel the loan to your. Even some banks have served proffering of other credits and credit card application which done online throughly internet.Thus think it over, don't feel the intimidation if we like to took loan of bank.congratulation raise the loan, during for productive purpose, why is don't?

CALCULATE INTEREST RATE IN LOAN

If we will borrow the money in bank, discussion moment how much do instalment to be paid per month its of the loan we do, usually we is given or simply showed by the containing paper sheet of lines line of level of loan, a period of loan and level of instalment to be paid per month its. big Wrong if not the loan as described there the amount of hims in five millions fold or ten million.

By using function on the application MS Excel, we can make calculation of level of instalment to be paid its month;moon to each;every loans amount to be taken, including the loans amount don't written in the paper given by bank. Possible there are some ways calculation of instalment, and the I write here – according to my knowledge– at most used, for example BCA, Bank Mandiri, and BII.his Case example of, we will borrow the money equal to Rp 45.000.000,00 to a period of/to loan of 5 year. The flower applying at that moment for example 16% per year. For example we write down each this value in cell [at] worksheet MS Excel.

A1 = 45000000 A2 = 5 A3 = 16%

Calculation result of level of instalment we will put down [at] cell A5, hence to cell A5 we enter formula following:

= PMT(A3/12;A2)

The calculation will yield the negative value, because seen from the aspect of approach we [release] the money.From got level of instalment, possibly we wish to know the level of loan fundamental in the instalment we pay [for]. For example we will put down his calculation result [at] cell A6, formula which is to be enterred:

= PPMT(A3/12;INSTALMENT_TO;A2)

Instalment to we change with number 1, 2, 3 and so on refer instalment first, second, third and so on.
paid level of Flower, we can calculate direct from level of instalment lessened by the loan fundamental paid. If counted by using function at]MS Excel, formula enterred as follows:

= IPMT(A3/12;INSTALMENT_TO;A2)

If we pay attention with situation of exact interest, amount of instalment will [is] same to [be] its monthly, big [of] loan fundamental will progressively go up and paid flower will progressively go down to each;every his monthly instalment. Following I enclose the file MS Excel for the calculation.

Bank Mandiri
Loan 40.000.000
Rate 12.25%
Duration 10 Years
Final Years 69.561.353,99

PR: wait... I: wait... L: wait... LD: wait... I: wait... wait... C: wait... SD: wait...

TRAPEED IN CREDIT CARD

Trust I cannot say that a the is factory labour of]production around] one million per month can have many credit cards (CC) ? Of course is not odd matter in the middle of intensively of the credit card promotion forcibly people to become the member especially in places expenditure of public. Loan Company promotion to labours only on condition that Id Card and free of annual fee to be member. Victim is even also down because many the labours trapped in endless debt. some of his stories which is our finding in a research.

My company incidentally have cooperation with a LSM to check various aspect life of labour. In the middle of research, we find the interesting phenomenon of moment many is labours of surrenderness narrate the debt lassoing of of effect usage of the credit card break the rules. Beginning of of ordinary them indebt to rentenir which is notabene is their own friend.

Then his pattern change the moment a labour even also can get the plastic money facility. Interest with modern life style, they try it identifying by becoming member just. Enunciated only with sheet Personla ID Card, without salary verification to be its is done by company of publisher Credit Card they have ever been dressy. Their grief is even also started.

Enunciated them not yet understood the term compunding interest, bloomy flower, and bear fruit, then flower again. More than anything else many companies Credit Card doing the deceptive cozenage by goning into effect the low flower in first month, then still up] 4% month;moon without approval of consumer.

Expense a few, but quite a few direct whichs of preoccupation of his card friction. Invoice is even also come, why can pay for the minimum or about 2% from invoice. With artless of them is even also only paying equal to minimum invoice. What a scrumptious is/are think them and yup, expense again, and just minimum invoice payee.

New them of conciousness at first month the next when payment of the minimum they do the expense plus progressively swell. Easyly, open again new credit card which promotion the transfer of debt. All right? Hell no! Fee gone into effect transfer of flower plus Credit Card newly actually more strangling. Debt collector start coming to factory, house, including your residency and their old fellow. Life is progressively narrow. As information, average they hold two or more Credit Card !

That a small part of story how do baby-abdominal belt KK which ensnaring some of our labours. Credit Card Company this not give a dam that labour with the production is not the goals snugly to market their. Emulation between publisher Credit Card which is wacky to so result them have to do the various means sometime not ethical for the shake of getting the member as much as possible and labour is soft target.
On the other hand, the labour tempted with plastic card life style interest to exploit this facility without supplied by theX the adequate knowledge concerning rule of the Credit Card game which full of trik and can trap the consumer in the is debt lassoing of not just outcome.

labours a lot do the patch up payment of minimum facility alias payment. Though mathematical paymently this can completed in meter tens of year. Unconvinced, try to calculate by xself with interest rate about 3% per month, possibly in meter of 30 year more debt can be paid. Hard isn't it?

Finally we do an awareness program to labours concerning tips usage Credit Card, calculation of flower, minimum effect payment, and of course understanding of condition and rule of publisher Credit Card. they comprehend that in this world nothing that free of charge so that we don't easy to tergiur with iming2 any from publisher Credit Card.