Honda
Purchases of vehicles such as cars and motorcycles on credit are now commonplace. With the purchase in installments, it is actually considered as a facility that greatly facilitates consumers.
Even a number of dealers are now not loose coupled with finance or leasing companies to provide a variety of lucrative programs, ranging from low advances to low interest rates.
However, not a few prospective consumers feel upset if it is rejected. Even they expressed irritation to the dealer.
In fact, the credit application is approved or not depending on the leasing party as a provider of credit facilities.
Through its official website, Honda Cengkareng try to give the main reason why your motorcycle loan application is rejected. Check out his review below:
- Blacklist Leasing Company
It could be that your name could be blacklisted by a leasing company if you have ever approved a motorcycle loan and have a poor payment record (from late paying to stop paying and the motor withdrawn by the leasing company).
If your name has been blacklisted it will be difficult to re-take motor credits.
It is advisable to pay your installments on time and do not take motor credits if you find it difficult to fulfill your obligations every month.
Your Income is Not Enough
Before applying for credit you should calculate the monthly fund compared to your monthly expenses for primary needs.
Every loan submission, there is a team of analysts who will calculate your income and expenses.
If the analyst team sees that your income is just mediocre (in the sense of almost equal to your expenses per month) then the submission of motor credits can be rejected.Non-Compliance Requirements
The basic data needed to apply for credit is a copy of ID card and Family Card.
Under certain conditions it is sometimes requested to complete additional data such as domicile certificate, house ownership certificate, employment certificate, divorce certificate or death certificate. If you can not show the requested data then your credit application can be rejected.
Please note that under normal conditions no additional data is required. If required, only 1-2 additional documents are needed (not all of them).Not Cooperative
There are several definitions of uncooperative that we explain below.
Consumers do not provide your personal data information correctly. If at the time of the survey did not provide the information of the data correctly then did not rule out your credit application was rejected.
We recommend that when your survey provides information clearly and correctly.
Consumers do not cooperate in the survey process. Many credit applications are rejected because the consumer has a bad attitude and behavior when surveyed.
In addition, consumers do not allow the surveyor to enter the house in the survey process.