4 Jenis Pinjaman Ini Cocok untuk Kaum Milenial yang Lagi Butuh Uang

- 20.26

Kebutuhan yang selalu bertambah tapi gak dibarengi dengan bertambahnya pendapatan kadang membuat orang mau gak mau harus meminjam uang. Apalagi kalau ada keperluan mendesak, mungkin banyak di antara kamu yang akan mencari pinjaman uang.
Hal itulah yang membuat lembaga keuangan memberikan berbagai penawaran pinjaman uang untuk memenuhi kebutuhan masyarakat.
Namun, karena jumlahnya yang teramat banyak, hal itu justru membuat banyak orang bingung memilih jenis pinjaman yang tepat dan sesuai dengan kebutuhannya.
Kalau kamu juga pernah atau sedang bingung memilih pinjaman uang yang tepat buat kamu, gak perlu khawatir. Soalnya, kali ini MoneySmart ingin memberikan informasi soal beberapa jenis pinjaman uang yang cocok untuk kaum milenial.
Apa aja itu? Berikut ini empat diantaranya:

1. Kredit Tanpa Agunan (KTA)

Kredit Tanpa Agunan (KTA) merupakan salah satu pinjaman uang yang kini banyak diminati. Sebab, nasabah gak perlu menjaminkan asetnya untuk dijadikan agunan.
Selain itu, jenis pinjaman yang satu ini juga bisa diberikan bank ke nasabah dalam waktu cepat. Pasalnya, untuk bisa mengajukan pinjaman ini, kamu hanya perlu memiliki kartu kredit dari bank yang bersangkutan.
Nah, kebanyakan nasabah yang mengajukan pinjaman ini biasanya menggunakan uang pinjaman untuk kebutuhan yang sifatnya konsumtif. Contohnya adalah biaya berobat, pendidikan anak, pernikahan dan lain sebagainya.
Kamu bisa langsung mendatangi bank pilihanmu jika ingin mengajukan pinjaman KTA.

2. Pinjaman dengan Agunan

Kalau sebelumnya adalah pinjaman tanpa agunan, kali ini adalah pinjaman dengan agunan. Artinya, kamu harus memberikan jaminan berupa aset sebagai salah satu syarat pinjaman.
Untuk jenis pinjaman yang satu ini, gak cuma bank yang bisa memberikannya. Pasalnya, lembaga keuangan non-bank, leasing hingga Pegadaian pun bisa.
Kelebihan pinjaman dengan agunan dibanding KTA adalah jumlah pinjaman yang jauh lebih besar. Namun, proses pencairannya memang akan memakan waktu lebih lama dari KTA karena pihak pemberi pinjaman harus melakukan penilaian terlebih terhadap aset yang dijaminkan guna menentukan berapa pinjaman yang bisa kamu peroleh.

3. Kredit Usaha Rakyat (KUR)

Buat kamu yang sedang menjalankan bisnis dan ingin mengembangkannya, kamu bisa memilih pinjaman Kredit Usaha Rakyat sebagai solusi terbaik untukmu.
KUR itu sendiri adalah produk pembiayaan yang khusus ditujukan untuk para pelaku bisnis mikro, kecil atau menengah. Buat mengajukan kredit ini, peminjam harus menyertakan Surat Izin Usaha Perdagangan (SIUP).
Nah, jenis pinjaman yang satu ini sebenarnya salah satu program Pemerintah Indonesia untuk menciptakan lapangan pekerjaan dan memberantas kemiskinan.
Ada tiga jenis KUR yang harus kamu ketahui sebelum mengajukan pinjaman, seperti:
  • KUR Ritel, diperuntukkan untuk pengusaha mikro dengan pinjaman mulai dari Rp 25 juta hingga Rp 500 juta.
  • KUR Mikro, diperuntukkan untuk pengusaha menengah dengan pinjaman sebesar Rp 25 juta hingga Rp 500 juta.
  • KUR TKI, yaitu pinjaman yang diberikan kepada calon TKI (Tenaga Kerja Indonesia) hingga ke negara penempatan dengan plafon mencapai Rp 25 juta.

4. Pinjaman modal KTP

Pinjaman modal KTP memang kini tengah menjamur di mana-mana. Jenis pinjaman ini difasilitasi oleh perusahaan startup fintech.
Untuk total pinjamannya beragam tapi umumnya maksimal sebesar Rp 10 juta. Karena itulah, pinjaman modal KTP lebih berguna buat kamu yang memang tengah butuh dana darurat dalam waktu cepat.
Cara pengajuannya pun mudah kok, kamu bisa langsung mengajukan lewat situs pemberi pijaman itu dan jika diterima, maka uang akan cair dalam beberapa hari.
Namun ingat, beban bunga yang mereka berlakukan juga cukup besar. Ada yang membebankan bunga 1 persen per hari, tapi ada juga yang tiga persen per bulan. Karena itu, kamu perlu teliti sebelum memutuskan untuk meminjam uang di jenis pinjaman ini.
Selain itu, pastikan juga perusahaan pemberi pinjamannya sudah terdaftar di Otoritas Jasa Keuangan (OJK). Jangan sampai kamu meminjam di fintech abal-abal karena bakal merugikanmu.
Nah, itu dia empat jenis pinjaman uang yang ada di Indonesia dan cocok banget buat kamu para kaum milenial. Tapi, sebelum memutuskan untuk meminjam uang sebaiknya pertimbangkan matang-matang seperti tujuan pinjam uang, berapa cicilan setiap bulan serta bunga yang dibebankan.
Jangan sampai kamu meminjam uang hanya untuk bersenang-senang semata tanpa tujuan. Kalau seperti itu mah siap-siap aja kamu bakal sengsara di masa tua. Karena itu, yuk mulai atur keuanganmu dengan baik dan tidak membeli sesuatu yang tidak dibutuhkan. Tabungan dan investasikan kekayaanmu demi mencapai kemerdekaan finansial dan hidup nyaman di hari tua.

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