FWD Treasury Legacy Protection

Secure Solutions to Build the Future for You and Your Family

Preparation of retirement and legacy funds

50% of Sum Assured will be paid if the Insured reach 75 years and the rest will be given when the risk occurs.

Lower premium for higher protection

The higher Sum Assured that you choose, the more affordable the premium will be.

Worry-free to have a high sum assured

Medical check up and financial check up process will be more simple when you choose the higher SumAssured (Min. IDR 5.000.000.000/USD 50,000)

Other Advantages

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Flexible

Premium payment term options in 3 years, 5 years, and 10 years along with IDR and USD currency options.

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Comprehensive Protection

Provide death benefit, terminal illness benefit, living benefit and waiver premium rider (optional).

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Long Term Coverage

Insurance period until the Insured reach 100 years old.

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Partners Insurance Company

PT FWD Insurance Indonesia

    Terms & Conditions

    Interest & Fees

    Other Informations

    Installment Simulation

    Product Information Summary

    Terms & Conditions

Terms to Apply KTA Cashloan

  • Indonesian citizen with a registered national ID (KTP)
  • Owns an Electronic ID (e-KTP) & an active e-mail address
  • A minimum age requirement of 21 years old upon application and a maximum of 55 years old by the end of loan tenure
  • Resides/ works within OCBC coverage area
  • Steady income source

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)
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 Cashloan 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 OCBC 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

Monthly installment amount (IDR)

Tenure

6 months

12 months

18 months

24 months

36 months

10,000,000 1,844,667 1,011,333 733,556 604,667 465,778
15,000,000 2,767,000 1,517,000 1,100,333 907,000 698,667
20,000,000 3,689,333 2,022,667 1,467,111 1,209,333 931,556
25,000,000 4,611,667 2,528,333 1,833,889 1,511,667 1,164,444
30,000,000 5,414,000 2,914,000 2,110,667 1,724,000 1,307,333
35,000,000 6,316,333 3,399,667 2,462,444 2,011,333 1,525,222
40,000,000 7,218,667 3,885,333 2,814,222 2,298,667 1,743,111
45,000,000 8,121,000 4,371,000 3,166,000 2,586,000 1,961,000
50,000,000 9,023,333 4,856,667 3,517,778 2,873,333 2,178,889
55,000,000 9,925,667 5,342,333 3,869,556 3,160,667 2,396,778
60,000,000 10,828,000 5,828,000 4,221,333 3,448,000 2,614,667
65,000,000 11,730,333 6,313,667 4,573,111 3,735,333 2,832,556
70,000,000 12,632,667 6,799,333 4,924,889 4,022,667 3,050,444
75,000,000 13,535,000 7,285,000 5,276,667 4,310,000 3,268,333
80,000,000 14,437,333 7,770,667 5,628,444 4,597,333 3,486,222
85,000,000 15,339,667 8,256,333 5,980,222 4,884,667 3,704,111
90,000,000 16,242,000 8,742,000 6,332,000 5,172,000 3,922,000
95,000,000 17,144,333 9,227,667 6,683,778 5,459,333 4,139,889
100,000,000 17,646,667 9,313,333 6,735,556 5,446,667 4,057,778
125,000,000 22,058,333 11,641,667 8,419,444 6,808,333 5,072,222
150,000,000 26,470,000 13,970,000 10,103,333 8,170,000 6,086,667
175,000,000 30,881,667 16,298,333 11,787,222 9,531,667 7,101,111
200,000,000 35,293,333 18,626,667 13,471,111 10,893,333 8,115,556

* The table is only a simulation with insurance protection. The installment amount will be adjusted as recorded in OCBC system. The Interest rate that applied and recorded in OCBC system is flat annuity with fixed installments per month where the principal and interest portion can be different every month. Interest rates might change at any time based on OCBC policy.

Personal Loan

KTA Cashloan
KTA Cashloan

KTA Cashloan

Terms and Conditions

Terms and Conditions
Terms and Conditions

Terms and Conditions

Tanya OCBC

Medical check up is not necessary but Customer shall provide health declaration at the time of buying the product

  • Death Benefit: 100% Remaining Sum Assured
  • Terminal Illness Benefit: 50% Remaining Sum Assured
  • Living Benefit: 50% Remaining Sum Assured
  • Maturity Benefit: 100% Remaining Sum Assured
  • Waiver Premium Rider(Optional): Waive the remaining premium

The insurance Premium payment will be debited/ deducted from OCBC Customer Account?

Complete the claim documents stated in the Policy, give it to the Relationship Manager of OCBC Branch to be forwarded to PT FWD Insurance Indonesia, or send it directly to the PT FWD Insurance Indonesia

FWD Insurance Indonesia

UP: Claim Individu

Pacific Century Place, Lantai 20 SCBD Lot 10, Jl. Jendral Sudirman Kav. 52-53 Jakarta Selatan 12190

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FWD Treasury Legacy Protection