Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama

Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama
Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama
Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama
Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama

Ekonomi – PT Bank Commonwealth (“Bank Commonwealth”) berkomitmen untuk membantu masyarakat dalam menyediakan akses-akses pinjaman, terutama untuk para calon nasabah yang dimana masih belum mempunyai riwayat kredit.

Bank Commonwealth Telah Membantu Nasabah Dalam Membangun Riwayat kredit Pertama – Ini semua diwujudkan dengan meluncurkan produk Commonwealth KTA (Commonwealth Kredit Tanpa Agunan) yang dapat digunakan untuk bisa memenuhi berbagai keperluan pribadinya misalnya seperti pembayaran biaya pendidikan, pernikahan, kesehatan, dan kebutuhan dan juga konsumsi lainnya.

Rustini Dewi, selaku Director of Retail Banking Bank Commonwealth telah menjelaskan pentingnya akan membangun riwayat kredit menjadi kredibiltas keuangan dalam jangka panjang nasabah.

“Sekarang ini pemahaman dari riwayat kredit memang masih belum terlalu dapat dimengerti secara luas. Karena kami sering mendapatkan calon nasabah yang mempunyai riwayat kredit yang kurang baik hanya karena kesalahan yang kecil, misalnya terlewatkan tanggal untuk pembayaran kredit,” katanya.

Maka dari itu, di kemudian hari, mereka akan mengalami kendala ketika pengajuan kredit yang jauhlebih besar, misalnya seperti kredit rumah maupun apartemen.

“Maka dari itu, kami juga akan mengajak para calon nasabah agar mulai membangun riwayat kredit yang baik jadi dapat memudahkan mereka di masa mendatang atau kemudian hari,” katanya.

Rustini Dewi juga menyarankan agara memperhatikan setidaknya ada tiga hal dalam untuk membangun riwayat kredit.

“Pertama, pembayaran tagihan yang dimana harus tepat waktu, sehingga nasabah harus membuat sistem pengingat secara khusus di setiap pembayaran tagihan. Kedua, pastikan saja kalau pinjaman digunakan dalam tujuan yang jelas dan juga terencana. Ketiga, jangan anda menunda rencana finansial anda, sehingga kredit tersebut sama sekali juga digunakan dengan bijaksana,” tandas Rustini Dewi.

Commonwealth KTA telah memberikan batas pinjaman dari Rp10 sampai 100 juta dengan pilihan jangka waktu pinjaman yakni 24 ataupun 36 bulan. Keistimewaan lain dari Commonwealth KTA yakni proses administrasi yang jauh lebeih cepat, yakni hanya dalam satu hari kerja saja.

Riwayat kredit adalah data pinjaman dan juga pembayaran pinjaman yang dimiliki oleh seseorang sejak untuk pertama kali mendapatkan kredit dari pihak bank. Di Indonesia, terdata ini tersimpan di dalam Sistem Informasi Debitur (SID) Bank Indonesia.

Baca juga : Pada Sore Ini Rupiah Mampu Bertahan di Zona Aman dan Nyaman

Mengacu pada data Statistik Informasi Debitur pada 2015, jumlah debitur di bank umum yang dimana informasinya tersimpan di SID berjumlah 78,197,000, sekitar 30% persen dari total jumlah penduduk Indonesia. (ch)

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