KTA Cashbiz Flex

Unsecured cash loans with flexible payment scheme for your business needs.

Limit Up to IDR 200 Million

Support business needs

Tenor Up to 12 Months

Freely manage financial allocations

Flexible Payment Scheme

Freely determine your payment scheme

Payment Scheme

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Fixed Installment with Flat Rate

Payment with fixed installment method until the end of loan tenor with flat interest calculation

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Fixed Installment with Effective Rate

Payments with fixed installment methods until the end of tenor with effective interest calculation. 

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Balloon Payment

Small portion payment of principal and interest for early tenor, and at the end of loan tenor, remaining principal and interest are billed

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Balloon Interest Only

Payment of interest for early tenor, and at the end of loan tenor, principal and interest are billed

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Bullet Payment 

Payment of principal and interest are paid all at once at the end of loan tenor

    Terms & Conditions

    Interest and Fees

    Installment Simulation

    Product Information Summary

    General Terms and Conditions

Requirements for applying for KTA Cashbiz Flex OCBC:

  • Mandatory Indonesian Citizens (WNI) with the age of 21-70 years
  • Work as an entrepreneur/self-employed/entrepreneur/other profession who has owned/run a business/profession for at least 2 years
  • Limited offer for selected Customers who will be informed via Email/SMS/WhatsApp

Documents Required

  • Photo of electronic Identity Card (e-KTP)
  • Photo of Taxpayer Identification Number (NPWP) (For submissions starting from a limit of IDR 50,000,000)
  • Selfie photo with e-KTP
  • Signature photo on white paper
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

Illustration of Installments using a loan value of IDR 30 million with a tenor of 3 months.

A. Fixed Installment with Effective Rate

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 -

B. Fixed Installment with Flat Rate

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 -

C. Balloon Payment

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 -

d. Balloon Interest Only

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 -

e. Bullet Payment

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 -
 
KTA Cashbiz Flex
KTA Cashbiz Flex

KTA Cashbiz Flex

 
KTA Cashbiz Flex
KTA Cashbiz Flex

KTA Cashbiz Flex

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