Anda tentu tak asing dengan banyaknya telepon atau SMS yang berisi tawaran untuk fasilitas KTA hingga dana tunai kartu kredit yang hampir setiap hari meneror sehingga Anda yang awalnya tidak tertarik, lama kelamaan jadi penasaran juga. Dana tunai memang layaknya angin segar bagi keuangan, apalagi bila sedang dalam kondisi butuh dan terdesak.
Kredit Tanpa Agunan (KTA)
Kredit Tanpa Agunan yang lebih sering kita dengar dengan KTA adalah suatu produk pinjaman dari bank tanpa harus memberikan jaminan aset kita. Jadi, dana tersebut tentunya dapat Anda gunakan sesuai kebutuhan, misalnya untuk biaya pendidikan anak, modal untuk menikah, melunasi cicilan rumah, hingga liburan. Anda hanya cukup melengkapi beberapa persyaratan berupa dokumen yang diminta oleh pihak Bank, dan dana pun bisa langsung cair saat itu juga. Bila dibandingkan dengan produk pinjaman lainnya seperti KPR, cicilan KTA terbilang jauh lebih ringan. Maka, jangan heran bila banyak orang yang memanfaatkan KTA sebagai solusi ketika terdesak kebutuhan mendadak. Tahukah Anda di jaman serba canggih seperti saat ini, tawaran KTA justru bermunculan melalui internet. Amankah pinjaman dana lewat internet? Tentunya, Anda harus lebih cermat terhadap segala persyaratan dan kredibilitas bank pemberi pinjaman tersebut.
Dana Tunai Kartu Kredit
Dana tunai kartu kredit adalah pinjaman dalam bentuk tunai dengan menggunakan sisa limit kartu kredit. Bank pemberi pinjaman akan melihat jumlah pemakaian kartu kredit nasabah. Bila penggunaannya pasif, bank tidak akan segan untuk menawarkan produk ini kepada Anda untuk mendapatkan keuntungan tentunya.
Perbedaan KTA dan Dana Tunai Kartu Kredit
Kredit Tanpa Agunan
· Bunga 0,9-1,2% per bulan
· Besar pinjaman tergantung dari gaji pemohon pinjaman, biasanya berkisar antara Rp.3.000.000 hingga Rp.150.000.000
· Lama cicilan sekitar 1-3 tahun
· Beban pelunasan cicilan kurang dari jangka waktu besarnya sekitar 5-6% dari sisa hutang pokok pinjaman, ditambah dengan bunga berjalan
· Dana cair 7-14 hari kerja
· Syarat cepat dan mudah dengan melampirkan fotokopi KTP, slip gaji, fotokopi kartu kredit, dan fotokopi rekening koran.
· Biaya administrasi sebesar 2%
· Dana diambil langsung oleh nasabah
· Pembayaran KTA disesuaikan dengan jumlah cicilan per bulan
· Pengajuan proses KTA dengan mendatangi pihak bank terkait
Dana Tunai Kartu Kredit
· Bunga rata-rata 0,5-0,8% per bulan
· Dana yang diambil hanya sekitar 60-90% dari limit kartu kredit yang tersedia
· Lama cicilan antara 1-1,5 tahun
· Sanksi karena percepatan pelunasan sekitar 5% dari sisa hutang pokok ditambah sisa bunga dari dana tunai
· Pencairan dana sekitar 3-7 hari kerja
· Persyaratan mudah, hanya dengan melampirkan fotokopi kartu kredit
· Proses pengajuan dana tunai melalui penawaran dari pihak telemarketing bank atau bisa juga dengan mendatangi bank terkait, namun biasanya bunga yang dikenakan cenderung lebih tinggi.
· Biaya administrasi sebesar 1%
· Dana ditransfer langsung ke rekening nasabah
· Cicilan dana tunai kartu kredit akan menambah biaya penggunaan kartu kredit setiap bulan
Manfaat KTA dan Kartu Kredit
Banyak di antara Anda yang mungkin berpikir bahwa dengan memiliki kartu kredit adalah suatu anugerah tersendiri yang tak boleh disia-siakan, karena memiliki banyak manfaat, salah satunya bisa menjadi syarat mengajukan kredit tanpa agunan atau KTA. Hampir semua bank menerapkan syarat untuk memiliki kartu kredit terlebih dahulu bagi mereka yang hendak meminjam sejumlah dana melalui KTA. Bahkan, banyak pula pinjaman
instan di internet yang memfasilitasi hal tersebut sehingga lebih mudah untuk menjaring nasabah.
Namun, sebenarnya KTA dan juga kartu kredit dapat menjadi opsi bagi Anda ketika ada kebutuhan mendadak. Tidak harus digunakan kedunya, bila Anda kebetulan sama-sama memiliki fasilitas tersebut. Kunci paling bijak adalah dengan mengatur keuangan untuk memastikan bahwa semua cicilan Anda lunas tanpa meninggalkan track record buruk di bank.
Semoga bermanfaat.
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