Introduction
In this digital era, smartphones have become a necessity. However, not everyone can afford to buy a phone with cash. Therefore, many people opt for credit purchases at mobile phone counters. But what are the requirements for getting a phone on credit? In this article, we will discuss the conditions that must be met to get a phone on credit at a mobile phone counter.
Legal Age
The first requirement for getting a phone on credit is that you must be at least 18 years old. This is because the legal age to enter into a financial agreement in Indonesia is 18 years old. If you are under 18, you cannot apply for credit purchases.
Proof of Income
The second requirement is proof of income. You will need to show the mobile phone counter that you have a stable income source, such as a job or business. This is to ensure that you are able to pay off the credit installments. The amount of income required varies from one counter to another.
Identity Card
The third requirement is a valid identity card. You will need to provide your ID card, such as KTP, SIM, or passport, to prove that you are a citizen of Indonesia. This is to ensure that you are eligible to enter into a financial agreement.
Down Payment
The fourth requirement is a down payment. You will need to pay a certain amount of money upfront, which will be deducted from the total price of the phone. The amount of down payment required varies from one counter to another.
Guarantor
The fifth requirement is a guarantor. You will need to provide a guarantor who will be responsible for paying off the credit installments if you are unable to do so. The guarantor must have a stable income source and a good credit score.
Credit Score
The sixth requirement is a good credit score. Your credit score will determine whether or not you are eligible for credit purchases. A good credit score means that you have a good track record of paying off debts on time.
Interest Rate
The seventh requirement is the interest rate. You will need to pay interest on the credit installment, which varies from one counter to another. It's important to read the terms and conditions carefully to understand the interest rate and other fees associated with the credit purchase.
Payment Period
The eighth requirement is the payment period. You will need to pay off the credit installment within a certain period of time, which varies from one counter to another. It's important to make sure that you can afford the monthly installments before entering into a credit purchase agreement.
Conclusion
In conclusion, getting a phone on credit at a mobile phone counter requires several conditions to be met. These include being of legal age, having proof of income, providing a valid identity card, making a down payment, providing a guarantor, having a good credit score, paying the interest rate, and paying off the credit installment within a certain period of time. Make sure to read the terms and conditions carefully before entering into a credit purchase agreement.
