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OCBC - Cash Biz Flex – Kredit Usaha Fleksibel Tanpa Jaminan

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KTA Cashbiz Flex

Unsecured loans with flexible payment scheme for your business needs.

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Further Information

Related information about KTA Cashbiz Flex

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).

Type of Payment Schemes (Payment examples refer to Installment Simulation):

Fixed Installment with Effective Rate : Payments with fixed installment method until the end of loan tenor with effective interest calculation.
Fixed Installment with Flat Rate : Payment with fixed installment method until the end of loan tenor with flat 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

Requirements for applying 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	Start from 1,39% flat per month
2	Administration Fee	1.00% of the loan value
3	Stamp Fee	IDR 10.000
4	Late Fee	3% of bill total 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

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
Installment	Loan Principal	Principal	Interest	Installment Total	Loan Principal Residu
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

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
Installment	Loan Principal	Principal	Interest	Installment Total	Loan Principal Residu
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

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
Installment	Loan Principal	Principal	Interest	Installment Total	Loan Principal Residu
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

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
Installment	Loan Principal	Principal	Interest	Installment Total	Loan Principal Residu
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

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
Installment	Loan Principal	Principal	Interest	Installment Total	Loan Principal Residu
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	-