GREAT Prestige Optima Protector

Optimal Asset Growth and Protection to Achieve Your Aspirations Immediately

Certainty on the Return of Investment

Provides guaranteed return of investment for the first 3 or 5 years to align with your financial plan.

Provide Flexibility

Provides flexibility to determine the amount of Sum Assured up to 5 times of Single Basic Premium according to your needs.

One time Payment Only

To grow wealth and life protection up to 99 years

Other Advantages

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Insurance benefit

Death benefit and maturity benefit

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Lifetime Protection

Insurance period until the Insured reach 99 years old.

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Partner Insurance Company

PT Great Eastern Life 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 required under certain conditions refer to underwriting terms & conditions.

Partial withdrawal can be made after the Policy Active for minimum 2 years (Terms and Conditions applied)

The beneficiary will receive the total cash value or sum insured (which one is higher)

By auto debit from OCBC saving account

Beneficiaries should:

  • Complete the documents as stated in the policy
  • Submit the complete documents to dedicated Relationship Manager or OCBC Branch office to be forwarded to the Insurance Company or send directly to Insurance Company

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GREAT Prestige Optima Protector