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Interest calculation depends on the payment scheme chosen
Support business needs
Freely manage financial allocations
Quick and easy process
Apply online without visiting branch
Determine your loan amount
Choose the desired loan
Withdraw anytime and anywhere
Freely disburse funds through OCBC mobile
KTA Cashbiz Flex is unsecured loan credit with revolving facility launched by PT. Bank OCBC NISP, Tbk and specialized for entrepreneurs to develop business needs. The main feature of KTA Cashbiz flex is a facility so you will not be charged if do not make withdrawal transactions (except for provision and stamp duty fees).
| No | Cost type | Fee |
|---|---|---|
| 1 | Interest | Starting from 1,39% flat per month |
| 2 | Administration Fee | 1.00% of the nominal |
| 3 | Stamp Fee | IDR 10.000 |
| 4 | Late Fee | 3% of total bill with a minimum of IDR 150.000 |
Payments with fixed installment method until the end of loan tenor with effective interest calculation
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | 9.795.744 | 621.256 | 10.417.000 | 20.204.256 |
| 2 | 20.204.256 | 9.998.600 | 418.400 | 10.417.000 | 10.205.656 |
| 3 | 10.205.656 | 10.205.656 | 211.344 | 10.417.000 | - |
Payment with fixed installment method until the end of loan tenor with flat interest calculation
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | 10.000.000 | 417.000 | 10.417.000 | 20.000.000 |
| 2 | 20.000.000 | 10.000.000 | 417.000 | 10.417.000 | 10.000.000 |
| 3 | 10.000.000 | 10.000.000 | 417.000 | 10.417.000 | - |
Small portion payment of principal and interest for early tenor, and at the end of loan tenor, remaining principal and interest are billed
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | 4.712.251 | 709.965 | 5.422.216 | 25.287.749 |
| 2 | 25.287.749 | 4.823.769 | 598.447 | 5.422.216 | 20.463.981 |
| 3 | 20.463.981 | 20.463.981 | 484.290 | 20.948.271 | - |
Payment of interest for early tenor, and at the end of loan tenor, principal and interest are billed
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | - | 477.000 | 477.000 | 30.000.000 |
| 2 | 30.000.000 | - | 477.000 | 477.000 | 30.000.000 |
| 3 | 30.000.000 | 30.000.000 | 477.000 | 30.477.000 | - |
Payment of principal and interest are paid all at once at the end of loan tenor
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | - | - | - | 30.000.000 |
| 2 | 30.000.000 | - | - | - | 30.000.000 |
| 3 | 30.000.000 | 30.000.000 | 2.250.000 | 32.250.000 | - |
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