The payment term offered by Kreditplus is 3 to 12 months at low interest rates. To start the transaction, first activate the credit limit via the Kreditplus app. If the credit limit is already active, all you have to do is select which online or offline store is a Kreditplus partner and then buy the phone of your dreams. Initially, this online loan was only used to finance heavy equipment, cars and motorcycles. But now, the fintech has officially partnered with various services that can provide loans for different types of electronic devices. Such as JD.ID, Elevenia, Pasarwarga and other market sites widely used by the public. However, it should be noted that some of these leasing companies still implement a DV system, but there are also those that completely exempt their customers from the down payment regulation. For this reason, you need to be more careful when choosing financing services that can help you get the smartphone of your dreams through credit. Another HP loan application requirement is a sufficient ID card that you can try is Kredivo. Of course, the requirements for applying for an HP loan through Kredivo are different from the over-the-counter loan. You don`t need to deposit a deposit, but you can already enjoy a new phone delivered directly to your home. Applying for business credit through Kredivo to buy products from Lazada offers 2 options, namely: some of the requirements you need to meet to get a mobile phone balance, requirements for enough ID cards in Home Credit, be at least 21 years old, Indonesian citizens by attaching an ID card, have a fixed income and be a resident of the Home Credit Service area.

There are several companies that can offer HP credit without a credit card, namely: Response from Nurhayati, S.H., M.Si. Deputy Public Legal Officer at the National Legal Development Agency Thank you for your question to the National Legal Development Agency. Regarding your question about buying and selling mobile phones that have not been paid. In Article 1457 of the Civil Code, purchase and sale is an agreement by which one party undertakes to hand over a good and the other party to pay the promised price. A purchase and sale between the two parties occurs when an agreement has been reached on the item and its price, although the item has not been handed over and the price has not been paid (consensus principle). To be considered valid for a sales contract, the parties who undertake to comply with the conditions of validity of the sales contract pursuant to Article 1320 of the Criminal Code, namely: 1. Your contract is committed 2. Possibility to make a seizure 3.

A specific element; and 4. A reason that is not prohibited The sale and purchase are considered to have taken place between the two parties when an agreement has been reached on the goods to be purchased as well as the price of the goods, although the goods have not been handed over and the price has not been paid. If one of the parties does not comply with the agreed agreement, the party named in the agreement may sue the party that does not comply with the agreement. The buyer`s obligation in buying and selling is to pay according to the agreed purchase price, and the seller delivers the goods that are the subject of his sale and purchase. However, the buyer`s obligations may be suspended if the purchased goods are the subject of a dispute, as provided for in article 1516 of the Civil Code, which stipulates that if the buyer is disturbed in possession of the goods by a dispute based on a mortgage or a claim for recovery of the goods, or if the buyer has reasonable reasons, Fearing disturbing in his possession, he may then suspend payment of the purchase price until the seller ends the interruption. aforementioned. Unless the seller opts for a warranty or it has been promised that the buyer is obliged to pay the warranty, or if a malfunction occurs. Your sale and purchase with X, i.e. the sale and purchase of HP, is completed by the transfer of HP (purchase and sale of item) to you and you have paid the price agreed with X. But in fact, you can always suspend payment if you know from the beginning that the goods (HP) are still in the balance, on the grounds that you are still worried about the HP Panguasaan because it is still being refunded. Judging by the case you are facing, it seems that you do not know that the HP you bought from X is still in the credit period, so you cannot be held responsible for the shortage of payment in the HP loan and the creditor cannot sue you to pay the rest of the loan, because there is no prior agreement between you and X to overvalue HP.

The problem is therefore X`s problem with the HP creditor if the X has breached its loan agreement. Your transaction with X has been completed by proving the proof of payment you provided to X. If the creditor can prove that the loan is in your name, you may be held liable. However, if the lender cannot prove that the HP loan agreement is not in your name but in the name of X, you cannot be blamed. So, an explanation of your legal problems, I hope that can be helpful and helpful. Disclaimer: Responses to legal advice are legal advice only and have no firm legal force and are not binding as judicial decisions. To get HP credit, enough ID card requirements, you can also apply for a loan through AwanTuai. AwanTunai is an Indonesian fintech company that offers credit card-free installment payment products at various offline merchants. If you want a new phone but don`t have a credit card, this app can be an alternative. AwanTunai helps provide rates without a credit card.