The first lessons, the election time of credit application. Credit must be done at any time, not every time we need. Credit can be without interest, if we want to understand it well.
Look for credit when unnecessary so there will be a standby loan in the pocket. With the money, the business can be executed easily, although the chances come at an unexpected moment altogether.
Therefore, apply … apply … apply at any time nonstop! The more often you apply for credit, the more we will understand the best time to apply for the loan and what are the necessary requirements for successful credit application.
Credit science is the science of seeking, using, adding, and resolving credit in case of problems. By studying this science and eliminating fear, we will more easily negotiate about credit with the bank.
The second lesson, the credit should not be stuck, but also do not pay off. How so?
According to him, that will be delivered by the bank. Of course, all lenders want the money back, but they also do not expect us to repay the loan immediately.
Yes, banks benefit from our loan interest. By paying off the loans for bad credit, we are breaking the bank’s cooperation-which, in the long run, can make it difficult for us to make a loan move.
Credit remains healthy
Noteworthy is to manage credit to stay healthy. We can’t just rely on salary to pay installments. At a certain moment, our revenue may be down, especially the condition of Indonesia’s economy up and down due to inflation.
Paying off the bank debt with a salary or business profit will only make us breathless, because most of the hard work we can’t enjoy, but eroded to pay obligations to the bank.
Having encountered similar problems, the Samurai finally found the mainstay: bank debt paid by the bank. What is meant here instead of paying off debt by opening new loans so that debt accumulated. But, Samurai opens a loan so that income can be used to buy assets.