It turns out that social networking sites that have been so popular in recent years may also have their counterparts for lenders. Non-bank loans without BIK, because we are talking about them, are a new product, although enjoying increasing popularity.
And all this in connection with the increasing demand for various types of financial products under which it is possible to obtain a loan.
How banks are in this matter, everyone knows perfectly well
They are reluctant to grant loans, and if so, the conditions are strict. If someone already has a loan or has an unstable source of income, they can forget about the bank loan at all. That is why a number of companies have been lending on less restrictive terms.
More and more options are also appearing for people in debt, many branches offer unverified loans in BIK and KRD, loans for proof, and similar products. The so-called private loans, which, as the name says, are more and more widespread lately. And just the variation of such private loans are the social loans mentioned at the beginning. What is this type of financial commitment?
The principle is simple
Everything accumulates around a given website where both people interested in taking a loan and granting it register. Lenders declare how much they can borrow and under what conditions. Borrowers use a special calculator available on the site to determine how much loan they are interested in and for how long, after which a contract is concluded between the parties. It sounds attractive.
But how does the issue of social loans and verification in BIK look like? This question is certainly asked by people who already have financial commitments. Well, these types of websites usually do not have BIK verification, which gives the opportunity to obtain a loan even for people with other loans.
Generally, social loans and verification in BIK is an individual matter of each such website, but the option of not checking borrowers prevails. Social loan portals generally offer quick access to cash and no formalities. As you can see, this is an attractive offer for the borrower. However, also the lending party is doing well in this interest – after all, the interest paid by the borrower goes into its pocket.