Debt is indeed a frightening specter, especially when faced alone and hidden from other people. At Loans at Loans, we often find that debt problems are also sometimes experienced by a husband or wife, and unknown to their partners. This is not likely to occur due to fear and guilt for what has been done. In fact, often their husbands or wives never knew that their partners had been able to apply for loans either in the form of credit cards or KTA.
To overcome this, usually someone will prefer to hide it rather than having to lift it in conversation. Of course this is done to avoid any friction between the two. Loans at Loans understands the difficulty of living secrets of debt, especially if the nominal debt is very large and burdensome. For this reason, if you are one of those people who are reluctant to share the financial problem with your partner, Loans at Loans strongly recommends communicating it to your partner. Why Is It Important to Tell Your Partner that You Are Trapped in Debt?
Not infrequently, someone just does not tell the couple that he had time to apply for a loan to the bank. After using the loan for some time, and used it for other purposes until the nominal debt accumulates, this is where the bank debt problem begins to emerge. Keep the problem of being entangled in bank debt from a partner can certainly have a major impact on the main foundation in your relationship with your partner, namely mutual trust.
In fact, this is very important to inform the couple. When faced with financial problems, including when caught in bank debt, of course you and your partner must face this problem seriously. Problems that involve money like this can also have an impact on long-term plans that have been structured in such a way in your family.
Imagine if this important issue was not discussed with a partner, of course you would be considered a person who is less responsible and cannot be trusted. Therefore, keep communicating so that you and your partner can both find a way out and look again, about which sources of funds can still be used so that the debt problem can be quickly resolved.
Saving debt problems whenever it is actually useless. How not, as explained a while ago. All information on debtors in Indonesia are all recorded in an integrated system.
Through integrated system, all bank and nonbank institutions that manage money can check the smooth payment of your credit. So, for example, one day your partner wants to apply for a loan to the bank, whether it is a credit card, KTA, KPR, KKB, or other loans, will definitely be rejected.
Why? Because you are in a family card, and this will make it difficult for other members to get credit. From here, of course the secrets that you have been hiding so far will be revealed in detail, including the nominal debt, the type of debt, to the length of the arrears period that has been running.
So, there’s no point in keeping a secret, right? Express this honestly with your partner before it’s too late, and the couple knows it from the bank.
Over time, debt problems will usually be more burdensome. In important moments like this, usually moral support from a partner will be very necessary so that you and your partner are able to pay off the debt to completion.
It does not rule out the possibility, your partner will also help in supporting the funds in order to pay off the debt problem to completion. In times like this, you and your partner can start making big decisions so that you can get rid of the debt together in marriage.
The first practical step can certainly be to stop using credit. On credit cards, for example, stop shopping using the card. If not done from now, nominal arrears can be higher and will further complicate you. Remember that the more you default, the interest rates on the loan will also continue.
Before expressing the issue of debt to a partner, re-record how much the loan has so far been in arrears, from here you can know about where the debt allocation has been made.
So, you can know exactly what caused the error that made you become in arrears. In this position, it is important not to blame the situation and remain responsible for the mistakes you make.
Don’t forget, tell the couple that you are ready to take responsibility and resolve the debt problem to completion. However, if you also feel like you are having trouble, don’t hesitate to ask for help from your partner.
Tell your partner to sit together and reorder the budget that you have. How long does it take until the debt problem can be resolved. Do not forget, start calculating how much of the remaining savings can still be used to pay the remaining debt.
Also remember what are the opportunities that can still be utilized, so that even if the couple will eventually intervene, you do not impose everything on the couple. At this time, you can also start evaluating various types of unnecessary expenses and minimize spending on other posts. The more things that can be reduced, the greater the funds obtained can be allocated to pay the remaining debt.
Do not forget, try to ask for additional advice from the more experienced parties, for example in the debt management program provider company, for example Loans at Loans. Companies like this usually provide solutions so that you can pay off debt more easily, the solution can be by following a debt and refinancing management program.
This relief program is usually referred to as credit restructuring. According to the Bank Indonesia Regulation , credit restructuring is an improvement effort made by the Bank in credit activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay.
There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.
Basically Debt consolidation is a step taken to make it easier for you to pay off the combined types of debt into one debt to a financial institution other than a bank.
There are two types of debt consolidation, namely using collateral and not using collateral. Both have their own advantages and disadvantages, and can be obtained in accordance with the terms and conditions provided by non-bank financing institutions.
Now, Loans at Loans works with institutions finance company and company friends to friends lending trusted in Indonesia. This is done as Loans at Loans’s efforts in helping our clients in leading a new life free of debt, which is integrated into the Loans at Loans debt management program. The following are two types of debt consolidation programs available at Loans at Loans.
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