Setting up a loan for marriage is not a rare thing to do nowadays. Marriages that are done once in a lifetime are usually prepared very carefully, including the issue of costs.
Even something like this is no secret for some people who maximize loans to meet the needs of marriage expenses. It is also usually prepared to start a household independently.
Although the marriage capital has been prepared and planned, it is not uncommon for mistakes in calculations to make a new couple have to borrow capital from their relatives. Of course, this is to be avoided by preparing more capital.
The bad feeling of being indebted to the family is a factor in many new couples borrowing marriage capital so as not to trouble the family. Moreover, nowadays loans for marriage are available a lot.
In fact, you can make a loan without using a credit card with the conditions provided quite easily. To try to make a loan, you can go directly to the loan provider for marriage.
Important Things of Loan Funds for Marriage
Whatever your reason for making a loan, it is necessary to pay attention to several things when applying for a loan. Including if you apply for a loan to get married, you need to pay attention to several important things.
The first thing that is the center of attention is a loan with the minimum possible nominal. You still have to be careful when applying for a money loan to a bank because it certainly has a fairly high risk.
If possible, it is strongly recommended that you hold a wedding using your own funds. If you really have to make a loan, then the loan is only limited to complements and not as the main capital.
You should also note that making a loan of funds for marriage in a bank will be supplemented with interest. If the loan made is getting bigger, then the interest that must be paid is also greater.
Marrying with borrowed money can actually affect your relationship with your partner. In fact, too large a loan can lead to divorce due to economic problems that you and your partner experience.
When making debt payments to the bank, it is necessary to be careful in the process of payment and strive to always be on time in repaying the loan made for the wedding.
If you are often late in paying debts, it will be blacklisted at Bank Indonesia. This means that your access to borrowing at other banks is getting smaller because it is considered undisciplined.
Going into debt does not mean that you can use loan money arbitrarily, you must know the limits of owing. If possible, try to do debt in conditions that are indeed very urgent and require a loan.
You have to calculate the loan correctly because it relates to the ability to pay supported by the current job. The maximum loan limit is usually around 30 percent according to your and your spouse’s net income.
Considerations for Making a Loan for Marriage
Making a loan of funds for a wedding can be done in several forms. Loans for marriage that are made, of course, must be done by considering various things before making a loan.
The first consideration that needs to be considered is not just making a loan. You need to pay attention to the ability to repay the loan made before determining the loan amount.
Intentions when getting married also need you to strengthen inside. Intend your marriage as a worship so that it can provide blessings and convenience in all matters, including funding to be borrowed.
Note that marriage will provide valuable value to oneself. So, don’t make it someone else’s marriage benchmark that makes you have to make a large loan.
Weddings are done once in a lifetime so that as much as possible you can create a luxurious and memorable atmosphere. Behind it all, the capital you prepare must also be in line with the event plan.
Wedding expenses can be easily searched in various loan service providers such as banks, cooperatives or other financial institutions. However, you still have to choose a service that provides fast funds.
You also need to prepare various conditions for applying for a loan. For example, in general, it requires your income certificate, identity card or other files that support the lending process.
Choosing a marriage by preparing your own capital is a safe solution. However, it is not uncommon for a new couple to need to prepare more capital so that they need to make a loan to get married.