Bond Repo

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

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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.

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Terms to Apply KTA Cashloan

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