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Interest calculation depends on the payment scheme chosen
Support business needs
Freely manage financial allocations
Fixed Installment with Flat Rate
Payment with fixed installment method until the end of loan tenor with flat interest calculation
Fixed Installment with Effective Rate
Payments with fixed installment methods until the end of tenor with effective interest calculation.
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
Balloon Interest Only
Payment of interest for early tenor, and at the end of loan tenor, principal and interest are billed
Bullet Payment
Payment of principal and interest are paid all at once at the end of loan tenor
| No | Cost Type | Fee |
|---|---|---|
| 1 | Interest | Starting from 1.58% flat per month |
| 2 | Provision Fees | 2,00% of the loan nominal |
| 3 | Stamp Fee | IDR 10.000 |
| 4 | Late Fees | 5% of total bill with a minimum of IDR 150,000 and a maximum of IDR 750,000 |
| 5 | Monthly Bill Printing Fee | IDR 8.000 (only if using hardcopy) |
| 6 | Credit Life Insurance Premium (optional) | Refer to the provisions of each partner |
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| pokok | Interest | ||||
| 1 | 30.000.000 | 9.680.488 | 979.512 | 10.660.000 | 20.319.512 |
| 2 | 20.319.512 | 9.996.560 | 663.440 | 10.660.000 | 10.322.952 |
| 3 | 10.322.952 | 10.322.952 | 337.048 | 10.660.000 | 0 |
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | 10.000.000 | 660.000 | 10.660.000 | 20.000.000 |
| 2 | 20.000.000 | 10.000.000 | 660.000 | 10.660.000 | 10.000.000 |
| 3 | 10.000.000 | 10.000.000 | 660.000 | 10.660.000 | - |
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | - | 660.000 | 660.000 | 30.000.000 |
| 2 | 30.000.000 | - | 660.000 | 660.000 | 30.000.000 |
| 3 | 30.000.000 | 30.000.000 | 660.000 | 30.660.000 | - |
| Installment | Loan Principal | Installment Portion | Installment Total | Loan Principal Residu | |
|---|---|---|---|---|---|
| Principal | Interest | ||||
| 1 | 30.000.000 | 4.607.159 | 979.512 | 5.586.671 | 25.392.841 |
| 2 | 25.392.841 | 4.757.584 | 829.086 | 5.586.670 | 20.635.257 |
| 3 | 20.635.257 | 20.635.257 | 673.749 | 21.309.006 | - |
| 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 | 1.980.000 | 31.980.000 | - |
*The table is only an installments simulation. The amount of installments used by customers is in accordance with that recorded in the Bank's system. The simulation above uses an indicative interest rate per month. Interest rates are subject to change at any time based on Bank's policy.
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