Applying for a loan from a bank for various purposes is familiar to most people. However, it cannot be denied that during its existence Loans are difficult to repay.
Many customers therefore apply for loan extensions to ease the burden. BRI Bank is one of the institutions that can extend loans. Did you know?
And what are you going to do? The following article will discuss how to extend credit at BRI Bank along with all the conditions. Take a look at more complete information in the description below!
Can you extend your credit at BRI Bank?
The answer is yes, during Record audio Or your payment history is considered good and safe. You can extend credit at BRI Bank.
Not only will you extend the time period, You can still apply for another loan even if you haven't repaid your previous loan yet! This is better known as BRI KUR (People's Business Credit) top-up. However, make sure you pay your previous bill on time. To make the additional loan application process successful
Conditions for extending credit at BRI Bank
How to extend BRI KUR loans requires conditions to be completed. The following is an explanation of the necessary conditions if you want to extend credit at KUR BRI.
A condition for extending the BRI KUR loan is to bring proof of monthly installments. This document must be brought with you if you need an extension, as it is very important to know how much debt has been paid to the bank.
If you want to apply for additional loans but the original debt has not yet been paid. The bank cannot approve it. A prerequisite for additional approval is first repayment of the original loan. You will then be allowed to submit your application.
Other than that Think carefully about why you need to continue with your KUR loan at BRI, especially regarding the amount of the original debt that must be paid before maturity.
However, if you are forced to still extend the time Even if the original loan cannot be paid in full. Just apply for top up as a solution. By applying to top up credit The bank can set additional credit limits or ceilings.
How to extend credit at BRI Bank
Therefore, after fulfilling several of the above BRI loan requirements, Here are the steps you need to take to extend the time:
- Visit the nearest BRI office and bring required documents and proof of payment of bills/monthly installments.
- Go to Customer Service (CS) and then inform the appropriate department that you wish to extend your loan. After that you will receive further instructions.
- The next instruction is that you will be asked to apply for a new credit schedule.
- After that, they will meet with BRI banks as debt collectors and then explain in detail the reasons behind extending credit.
- After the conversation is complete, your application will be further processed by BRI Bank.
- Finally, the bank will contact you to ask if your loan extension application has been accepted.
Reasons for extending credit at BRI Bank
Some people have certain reasons for applying for a loan extension at BRI Bank, and what are those reasons? Take a look at the following more complete discussion:
1. Business capital
Running a business is definitely not easy. As time passes The company's income or sales often decrease.
to maintain business Some customers extend their loan term at Bank BRI, especially if you are applying for an initial loan to finance your business.
By extending this period, it is hoped that the situation will return to normal within a period of time. and will pay off all existing debts
The increasing demand for essentials of life but their high prices have led some customers to apply for loan extensions. This is very common because of course you have to meet your daily needs such as electricity bills, basic materials and other needs.
Not only for business people Employees who work for the company may also experience reduced income. Therefore, it is not uncommon for this reason to be one of the main reasons for the high number of loan extension applications at BRI Bank.
Can you increase your credit at BRI Bank?
Yes. However, you must first pay off any outstanding debts before the borrower can re-apply for a loan. BRI Bank will check the previous debt history. If there are delays in payments, frequent delinquencies, and other debt histories, BRI will not be able to approve the application. Therefore, they will still be asked to pay off their previous debts first.
That is how credit is extended at BRI banks, although it is easy to extend the savings period. But as a borrower, you still need to be a responsible borrower. Before applying for debt repayment especially business debt You should first consider your company's financial and business conditions.
The aim is to enable you to determine the appropriate debt based on the business conditions to borrow from the bank. Customers who are able to repay their bank loans regularly will be rewarded with easy loans in the future.
Conclusion
From the above discussion In conclusion, you can extend your KUR loan at BRI Bank as long as you meet certain requirements. Additionally, make sure you provide clear details and reasons why the bank must accept the extension application. Time your loan
Whatever your reason for applying, Make sure you can pay your bill on time and according to agreement. OK! The goal is to maintain a good credit score and be able to apply for other loans at other times. So you have to get into a routine. Check loan debt online or your regular bank.
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