KTA Cashbiz

Cashloan without collaterals to ease your cashflow.

Cash Funds Up to Rp200 Million

Flexibility to fulfil your various needs

Simple Process & Requirements

Apply online without going to the branch

Tenor Up to 3 Years

Flexibility to manage your cash flow

Other Advantages

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Low Interest Rates

As low as 1,19% monthly flat rate

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Life Insurance

Life insurance automatically given to KTA Cashbiz customers

    Requirements

    Interest & Fees

    Other Informations

    Installment Simulation

    Product Information Summary

    Terms & Conditions

Terms to Apply KTA Cashbiz

  • A minimum age requirement of 21 years old upon application and a maximum of 65 years old by the end of loan tenure
  • Resides/ ownership of a business operating within Bank OCBC NISP coverage area
  • Business ownership operating for a minimum of 2 years.

Document to Upload

  • Photo of Indonesian national electronic ID card (e-KTP)
  • Self-portrait photo with an Indonesian national electronic ID card (e-KTP)
  • Photo of applicant’s signature on white paper
  • Photo of Tax Identification Number (NPWP) (for loan application starting from IDR 50.000.000)
  • Current account or E-statement for the last 6 months
  • Certificate of company registration
  • Certificate of ownership/lease of business premises
  • Residential ownership/rental certificate
No Services Fee
1 Disbursement Fee IDR 25,000
2 Stamp Duty IDR 10,000
3 Provision Fee 3% of loan nominal, minimum IDR 150.000
4 Late Payment Fee 5% of total instalment (minimum IDR 150.000 and maximum IDR 750.000)
5 Insurance Premium (optional) 1.50% of the nominal loan amount
6 Early Paid Off Fee 8% of the remaining principal bill

Product Risk

  • Any outstanding payment done below the minimum payment amount and/or after the due date stated in the billing statement will be classified as an KTA Cashbiz with loan collectibility of ‘non-current’, according to the regulation/policies by Bank Indonesia (BI) and/or Otoritas Jasa Keuangan (OJK). This could negatively affect the Customer’s application for future loan facilites or their existing loan facilites, either in Bank OCBC NISP or in other financial institution

  • In the event of the passing of Customer who does not apply for life insurance protection in the middle of terms of loan, the outstanding debt will then be transferred to Customer’s next of kin.

Loan Amount (IDR)

Monthly Instalments (IDR)

Tenor

6 months

12 months

18 months

24 months

36 months

10,000,000 1,835,667 1,002,333 724,556 595,667 456,778
15,000,000 2,753,500 1,503,500 1,086,833 893,500 685,167
20,000,000 3,671,333 2,004,667 1,449,111 1,191,333 913,556
25,000,000 4,589,167 2,505,833 1,811,389 1,489,167 1,141,944
30,000,000 5,417,000 2,917,000 2,083,667 1,727,000 1,310,333
35,000,000 6,319,833 3,403,167 2,430,944 2,014,833 1,528,722
40,000,000 7,222,667 3,889,333 2,778,222 2,302,667 1,747,111
45,000,000 8,125,500 4,375,500 3,125,500 2,590,500 1,965,500
50,000,000 9,028,333 4,861,667 3,472,778 2,878,333 2,183,889
55,000,000 9,931,167 5,347,833 3,820,056 3,166,167 2,402,278
60,000,000 10,834,000 5,834,000 4,167,333 3,454,000 2,620,667
65,000,000 11,736,833 6,320,167 4,514,611 3,741,833 2,839,056
70,000,000 12,639,667 6,806,333 4,861,889 4,029,667 3,057,444
75,000,000 13,542,500 7,292,500 5,209,167 4,317,500 3,275,833
80,000,000 14,445,333 7,778,667 5,556,444 4,605,333 3,494,222
85,000,000 15,348,167 8,264,833 5,903,722 4,893,167 3,712,611
90,000,000 16,251,000 8,751,000 6,251,000 5,181,000 3,931,000
95,000,000 17,153,833 9,237,167 6,598,278 5,468,833 4,149,389
100,000,000 17,856,667 9,523,333 6,745,556 5,456,667 4,067,778
125,000,000 22,320,833 11,904,167 8,431,944 6,820,833 5,084,722
150,000,000 26,785,000 14,285,000 10,118,333 8,185,000 6,101,667
175,000,000 31,249,167 16,665,833 11,804,722 9,549,167 7,118,611
200,000,000 35,713,333 19,046,667 13,491,111 10,913,333 8,135,556

Valid monthly instalment amount will be determined and recorded by OCBC NISP system. Monthy instalments are a fixed amount, whereby the principal and interest proportion may vary month to month. Simulated amounts as stated above are calculated using indicative monthly rate. Rates may change at any time based on OCBC NISP policy.

KTA Cashbiz
KTA Cashbiz

KTA Cashbiz

KTA Cashbiz
KTA Cashbiz

KTA Cashbiz

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